#macro economic planning agency

[kneedeepincynade]

Karl Marx,not a legend but a man of flesh and bone as much as me and you. The scientist of the international proletariat, the father of our never ending strugle, today we remember him in his date of birth and honour him with our actions!

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⚠️ XI JINPING: "RICORDIAMO IL GRANDE CARATTERE E LE AZIONI STORICHE DI KARL MARX, E RICONOSCIAMO IL SUO NOBILE SPIRITO E IL SUO BRILLANTE PENSIERO" ⚠️

🇩🇪 Il 05/05 del 1818, nasceva a Treviri, in Germania, Karl Marx ⭐️

🚩 Nel 2018, durante il 200° Anniversario della nascita di Marx, il Partito Comunista Cinese adornò la Grande Sala del Popolo di Pechino con il ritratto del Filosofo Tedesco, dove solitamente è appesa la Falce e Martello e l'Emblema della Repubblica Popolare Cinese 🚩

🇨🇳 Il Presidente Cinese rilasciò un discorso su Karl Marx di fronte ai Delegati del Congresso Nazionale del Popolo, dichiarando: «Oggi teniamo questo grande con enorme venerazione per celebrare il 200° Anniversario della nascita di Marx, per ricordare il suo grande carattere, le sue azioni storiche e riconoscere il suo Nobile Spirito e il suo Brillante Pensiero» ⭐️

💕 Con nobili ideali e senza timore per le avversità, dichiarò il Presidente Xi Jinping, «Marx si dedicò alla lotta per la liberazione dell'Umanità, scalando l'apice del Pensiero nella sua Ricerca della Verità, e combattendo incessantemente per rovesciare il vecchio mondo e stabilirne uno nuovo» ⭐️

🇨🇳 Il Presidente Cinese definì il Marxismo come «il bene spirituale più prezioso e influente» lasciato da Marx ⭐️

💬 «Come un'alba spettacolare, il Marxismo ha illuminato il percorso dell'Umanità nell'esplorazione della Legge della Storia. [...] Il Pensiero e la Teoria di Marx vanno oltre il suo tempo, e costituiscono l'Essenza dello Spirito del suo Tempo e l'Essenza dello Spirito dell'Umanità intera» ⭐️

🇨🇳 Indicando il Marxismo come una Teoria della Praxis atta a indirizzare le persone a cambiare il Mondo, il Presidente Cinese ha dichiarato che la sua diffusione a livello globale ha aumentato la Forza del Socialismo, che «Potrebbero esserci battute d'arresto nello sviluppo del Socialismo nel Mondo, ma la tendenza generale per lo sviluppo della società umana non è mai cambiata, e non cambierà mai» 🚩

🇷🇺 «Il rombo della Rivoluzione d'Ottobre ha portato il Marxismo-Leninismo in Cina», e il CPC, fin dalla sua nascita, ha «combinato i Principi Fondamentali del Marxismo con la Realtà della Rivoluzione Cinese» 🇨🇳

💬 «Abbiamo adattato il Marxismo alle Condizioni Materiali della Cina. [...] Solo applicando il Materialismo Dialettico e il Materialismo Storico possiamo analizzare e affrontare ogni questione, e assicurare la continua vitalità e innovazione del Marxismo» ⭐️

🔍 Per chi volesse approfondire:

🔺Xi Jinping: "La Repubblica Popolare Cinese è il risultato della Lotta del Popolo Cinese" - I, II, III 🇨🇳

🔺 Dialettica Economica della Cina del Compagno Cheng Enfu: I, II, III 🚩

🔺国家发改委, l'Agenzia di Pianificazione Macro-Economica della Cina: I, II 🚩

🔺La Rivoluzione d'Ottobre e il suo legame con la Nuova Cina 🇨🇳

🔺Zjuganov: "La Cina continua l'Esperienza Sovietica, ha sollevato 800 milioni di persone dalla povertà, è una Potenza Spaziale e sono i primi al Mondo da trent'anni nel ritmo di sviluppo" 🇷🇺

🌸 Iscriviti 👉 @collettivoshaoshan

⚠️ XI JINPING: "WE REMEMBER THE GREAT CHARACTER AND HISTORICAL DEEDS OF KARL MARX, AND WE RECOGNIZE HIS NOBLE SPIRIT AND BRILLIANT THINKING" ⚠️

🇩🇪 On 05/05 of 1818, Karl Marx was born in Trier, Germany ⭐️

🚩 In 2018, during the 200th Anniversary of Marx's birth, the Communist Party of China adorned the Great Hall of the People in Beijing with the portrait of the German Philosopher, where the Hammer and Sickle and the Emblem of the People's Republic of China usually hang 🚩

🇨🇳 The Chinese President gave a speech on Karl Marx in front of the National People's Congress Delegates, declaring: «Today we hold this great one with enormous reverence to celebrate the 200th Anniversary of Marx's birth, to remember his great character, his historic actions and recognize his Noble Spirit and Brilliant Thought" ⭐️

💕 With noble ideals and fearless of adversity, President Xi Jinping declared, «Marx devoted himself to the struggle for mankind's liberation, climbing the pinnacle of Thought in his Pursuit of Truth, and fighting unceasingly to overthrow the old world and establish a new one» ⭐️

🇨🇳 The Chinese President defined Marxism as "the most precious and influential spiritual asset" left by Marx ⭐️

💬 "Like a spectacular sunrise, Marxism illuminated the path of Humanity in exploring the Law of History. [...] Marx's Thought and Theory go beyond his time, and constitute the Essence of the Spirit of his Time and the Essence of the Spirit of all Humanity »⭐️

🇨🇳 Indicating Marxism as a Theory of Praxis capable of directing people to change the World, the Chinese President declared that its global diffusion has increased the Strength of Socialism, that «There may be setbacks in the development of Socialism in the World, but the general trend for the development of human society has never changed, and will never change" 🚩

🇷🇺 «The roar of the October Revolution brought Marxism-Leninism to China», and the CPC, since its inception, has «combined the Fundamental Principles of Marxism with the Reality of the Chinese Revolution» 🇨🇳

💬 «We have adapted Marxism to the Material Conditions of China. [...] Only by applying Dialectical Materialism and Historical Materialism can we analyze and address every issue, and ensure the continued vitality and innovation of Marxism» ⭐️

🔍 For those who want to learn more:

🔺Xi Jinping: "The People's Republic of China is the result of the Chinese People's Struggle" - I, II, III 🇨🇳

🔺 Comrade Cheng Enfu's Economic Dialectic of China: I, II, III 🚩

🔺国家发改委, the Macro-Economic Planning Agency of China: I, II 🚩

🔺The October Revolution and its link with New China 🇨🇳

🔺Zjuganov: "China is continuing the Soviet experience, it has lifted 800 million people out of poverty, it is a Space Power and they are the first in the world for thirty years in the pace of development" 🇷🇺

🌸 Subscribe 👉 @collettivoshaoshan

[amrutatbrc1]

Medical Imaging Equipment Market : Technology Advancements, Industry Insights, Trends And Forecast 2033

The medical imaging equipment global market report 2024 from The Business Research Company provides comprehensive market statistics, including global market size, regional shares, competitor market share, detailed segments, trends, and opportunities. This report offers an in-depth analysis of current and future industry scenarios, delivering a complete perspective for thriving in the industrial automation software market.

Medical Imaging Equipment Market, 2024 report by The Business Research Company offers comprehensive insights into the current state of the market and highlights future growth opportunities.

Market Size - The medical imaging equipment market size has grown strongly in recent years. It will grow from $42.68 billion in 2023 to $45.75 billion in 2024 at a compound annual growth rate (CAGR) of 7.2%.  The growth in the historic period can be attributed to rising aging population, increasing disease burden, government initiatives, rising awareness, integration of AI.

The medical imaging equipment market size is expected to see strong growth in the next few years. It will grow to $57.71 billion in 2028 at a compound annual growth rate (CAGR) of 6.0%.  The growth in the forecast period can be attributed to increasing personalized medicine, increasing remote patient monitoring, increasing emerging markets growth, value-based healthcare, increasing precision medicine. Major trends in the forecast period include digital health integration, innovative imaging modalities, technological advancements, telemedicine integration, portable and point-of-care imaging.

Order your report now for swift delivery @ https://www.thebusinessresearchcompany.com/report/medical-imaging-equipment-global-market-report

The Business Research Company's reports encompass a wide range of information, including:

1. Market Size (Historic and Forecast): Analysis of the market's historical performance and projections for future growth.

2. Drivers: Examination of the key factors propelling market growth.

3. Trends: Identification of emerging trends and patterns shaping the market landscape.

4. Key Segments: Breakdown of the market into its primary segments and their respective performance.

5. Focus Regions and Geographies: Insight into the most critical regions and geographical areas influencing the market.

6. Macro Economic Factors: Assessment of broader economic elements impacting the market.

Market Drivers - The rising prevalence of chronic diseases is expected to propel the growth of the medical imaging equipment market going forward. Chronic diseases are long-lasting conditions that typically progress slowly over time and persist for extended periods, often for years or even a lifetime. It arises due to changing lifestyles, genetic predispositions, and aging populations. Medical imaging equipment helps patients suffering from chronic diseases by facilitating early detection, accurate diagnosis, personalized treatment planning, and ongoing monitoring of disease progression and treatment response. For instance, in September 2022, according to the World Health Organization, a Switzerland-based specialized agency of the United Nations, there were 41 million deaths, which is 74% of those caused by non-communicable diseases (NCDs) or chronic diseases every year globally. There were 17.9 million deaths from cardiovascular diseases, 9.3 million deaths from cancer, 4.1 million deaths from chronic respiratory diseases, and 2.0 million deaths from diabetes. Therefore, the rising prevalence of chronic diseases is driving the growth of the medical imaging equipment market.

Market Trends - Major companies operating in the medical imaging equipment market are concentrating on the development of advanced products such as Exo Iris, its newest medical imaging device. This device is equipped with real-time artificial intelligence (AI) technology, such as SweepAI, which automatically captures crucial images, reducing reliance on operator skill and ensuring consistent and precise imaging. For instance, in September 2023, Exo, a US-based medical imaging startup company, launched its newest imaging device, Exo Iris, which is designed to be affordable, compact, and easy to use, making it accessible to a wide range of caregivers, including physicians, nurses, EMTs, and clinicians in emergency, acute care, outpatient, and at-home settings. Additionally, it offers features such as an ultra-wide field of view for imaging up to 150 degrees, enabling caregivers to capture an entire liver or full-body fetus in a single view, device also comes equipped with Exo Works, a point-of-care ultrasound workflow solution, to seamlessly document and review exams in seconds from anywhere.

The medical imaging equipment market covered in this report is segmented –

1) By Equipment: Computed Tomography, X-Ray Systems, Magnetic Resonance Imaging (MRI) Systems, Ultrasound Systems, Nuclear Imaging Equipment, Mammography Equipment, Contrast Media Injectors, C-Arms And Fluoroscopy Device 2) By Modality: Stand-Alone Devices, Portable Devices, Hand-Held Devices 3) By Application: Cardiology, Neurology, Orthopedics, Gynecology, Oncology, Other Applications 4) By End-User: Diagnostic Imaging Centers, Ambulatory Surgical Centers, Specialty Clinics, Research Institutes

Get an inside scoop of the medical imaging equipment market, Request now for Sample Report @ https://www.thebusinessresearchcompany.com/sample.aspx?id=14429&type=smp

Regional Insights - Asia-Pacific was the largest region in the medical imaging equipment market in 2023. The regions covered in the medical imaging equipment market report are Asia-Pacific, Western Europe, Eastern Europe, North America, South America, Middle East, Africa.

Key Companies - Major companies operating in the medical imaging equipment market are Medtronic plc., Siemens Healthineers, Fujifilm Medical Systems, Philips Healthcare, Stryker Corporation, GE Healthcare, Analogic Corporation, EIZO Corporation, Terumo Corporation, Mindray Medical International Limited, Hologic Inc., Shimadzu Corporation, PerkinElmer Inc., Carestream Health, Barco NV, Varian Medical Systems Inc., Esaote S.p.A., Samsung Medison Co. Ltd., Canon Medical Systems Corporation, Hitachi Healthcare Ltd., Planmed Oyj, Misonix Inc., Nano X Imaging Ltd., InnoScan Inc

Table of Contents 1. Executive Summary 2. Medical Imaging Equipment Market Report Structure 3. Medical Imaging Equipment Market Trends And Strategies 4. Medical Imaging Equipment Market – Macro Economic Scenario 5. Medical Imaging Equipment Market Size And Growth ….. 27. Medical Imaging Equipment Market Competitor Landscape And Company Profiles 28. Key Mergers And Acquisitions 29. Future Outlook and Potential Analysis 30. Appendix

Contact Us: The Business Research Company Europe: +44 207 1930 708 Asia: +91 88972 63534 Americas: +1 315 623 0293 Email: info@tbrc.info

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[enterprisewired]

China’s Economic Agenda Unveiled: Priorities for 2024 Revealed by Top Leaders

In a pivotal meeting outlining China’s economic strategies for the approaching year, China’s top leaders have pledged to bolster domestic demand, elevate strategic sectors, and confront the nation’s escalating real estate predicament. Emphasizing stability through economic advancement, the leadership identified key challenges and unveiled ambitious plans during the Central Economic Work Conference.

Addressing Economic Challenges

Chinese leaders acknowledged the strides made in economic recovery and high-quality development throughout 2023. However, they underscored persistent hurdles such as insufficient demand, overcapacity in industries, subdued social expectations, and latent risks, as reported by state-owned media outlets, including China Central Television and Xinhua.

Key Priorities Unveiled

The meeting spotlighted a comprehensive nine-point agenda, highlighting technological innovation, amplifying domestic consumption, attracting elevated foreign investment, and revitalizing agriculture to bolster food security. Notably, a keen focus was placed on fostering high-quality development as pivotal to sustaining economic momentum.

Economic Recovery Concerns

Despite multiple policy interventions, China’s economic revival post-Covid-19 has fallen short of projections. Recent economic indicators continue to reflect feeble domestic demand, with consumer prices declining at their swiftest pace in three years and a persistent deflation in producer prices. Import figures also fell short of expectations.

Real Estate Crisis Mitigation

Amidst the broader deleveraging of the real estate sector and concerns over debt-ridden major developers, Chinese leaders committed to mitigating risks associated with the property market and local debt. Plans to construct affordable housing were outlined as part of the strategy to curb the spiraling real estate crisis, initiated by President Xi Jinping’s crackdown in late 2020.

China Holds Central Economic Work Conference to Plan for 2024

Addressing Diverse Economic Issues

The conference deliberated on multifaceted economic challenges, spanning declining fertility rates, elevated unemployment among the youth, and ensuring resilience in domestic supply chains. Additionally, support for private enterprises, advancement in science and technology, green initiatives, and the digital economy, encompassing artificial intelligence, remained focal points.

Fiscal Policy and Future Plans

Assuring a robust fiscal stance, Beijing leaders pledged to fortify macro policies, maintaining proactive fiscal measures and cautious monetary actions. Echoing language akin to the Politburo’s recent statements, the emphasis was on a flexible and effective fiscal policy to stimulate China’s economic resurgence.

Ratings and Future Projections

Moody’s recent downgrade of China’s government credit and major banks underscores concerns about fiscal, economic, and institutional robustness. The agency anticipates potential strains on China’s strength owing to possible bailouts for distressed entities.

This proactive and comprehensive approach outlined by China’s leadership underscores a determined effort to navigate challenges, foster economic growth, and ensure stability in the face of ongoing uncertainties.

Curious to learn more? Explore our articles on Enterprise Wired

[esgaone]

The Future of Net-Zero Energy

As one of the leading Net-Zero consultant, the global energy transition has become increasingly apparent. While countries and companies work to secure their energy supplies, the effect on the climate is increasing, and new technologies are being developed. Energy-related companies know the crucial part they must play in the world's energy transformation and see the pursuit of net zero as essential to their expansion. HSBC and Kantar asked 300 energy companies in over 15 nations how they are approaching the transition and where they are on their net zero journeys to understand how businesses in the energy sector are responding to pressures that appear to be at odds with one another

We believe as a Net-Zero consultancy, which will focus on decarbonizing "hard-to-abate" and carbon-intensive industries, has just been launched. The program incorporates information from industry experts, HSBC thought leaders, and examples of low-carbon projects in addition to the scientific roadmaps created by the International Energy Agency, the Energy Transitions Commission, and others. The survey serves as its official launch. In our role as Net-Zero, a regulatory and disclosure requirement for both corporations and financial institutions, transition plans are evolving into the new standard in a growing number of markets. Transition plans show regulators, financiers, investors, and customers how an organization expects to achieve net zero, frequently by 2050, across its operations and value chains. They also demonstrate action and practical steps against ambition. Being a Net-Zero consultant, energy firms see the transition as a business opportunity and think the push toward net zero is gaining momentum. The change is one of the top three business priorities for nearly all respondents (94%) who see net zero as a significant contributor to business growth. Given market demands and commercial results, net zero is the leading business priority for more than half of listed companies. A nod to the talent they need to recruit and keep to enable execution, energy companies' claim that employees are a more significant driver of net zero plans than customers or external stakeholders. We believe as a Net-Zero consultancy, many companies see macro events as the driving factor behind the transition and net zero as a business necessity. A variety of externalities, in addition to economic opportunity, are hastening the transition despite worries that nations' recent energy crisis and subsequent efforts to increase their energy independence would slow the transition to renewables, more than half of the businesses polled claim that energy security concerns are hastening the process. There is a chance for this group of companies to invest in low-carbon projects that will be a significant source of future growth by taking advantage of the currently elevated commodity prices and security concerns.

[southeastasianists]

Mental health advocates and professionals agree that one of the biggest obstacles to address mental illness and mental health problems in Malaysia is removing the stigma and dispelling public misconceptions. The situation seems to be worsening. The 2015 National Health and Morbidity Survey (NHMS) showed that the prevalence of mental health problems in Malaysian adults has increased to 29.2%, a three-fold increase from 1996. While there have been many initiatives and programmes on mental health carried out in Malaysia, and even an attempt at drafting a national strategic action plan on mental health in 2019, de-stigmatising mental illness remains a challenge.

Past research has indicated that stigma is caused by a variety of factors that include lack of awareness and lack of viable information. Notable mental health experts such as Associate Professor Dr Sivakumar Thurairajasingam from Monash University, have lauded the significant improvements in mental health awareness in Malaysia. However, the stigma remains pervasive, making it likely that Malaysians will continue to keep their mental illnesses hidden.

At the macro-level, mental illness negatively impacts the economy. According to RELATE Malaysia, the estimated business cost of mental health disorders among employees in 2018 stood at RM14.5 billion. This is roughly equivalent to 1% of the country’s gross domestic product (GDP) for that year. As Malaysia seeks to transition to a developed economy, mental health illness is a sizeable economic lost that Malaysia can avoid. With pervasive stigma, Malaysia may incur larger economic costs.

Mental illness is often associated with suicide. In Malaysia, attempted suicide remains a controversial issue due to Section 309 of the Malaysian Penal Code, under which someone who attempts suicide can be punished by up to one year in jail, or a fine, or both. The World Suicide Report released by World Health Organisation (WHO) showed that Malaysia is included in the minority group of 24 countries which still legislate against attempted suicide. Punishing at-risk individuals for attempting suicide further perpetuates the stigma of mental illness, making it more difficult to solve the problem.

Community-driven initiatives can be avenues for solving problems that affect the individual, even for de-stigmatising mental illness. The SJ Care Warriors initiative, kick-started by assemblywoman YB Michelle Ng, is a notable example. SJ Care Warriors is a mental health programme initiative which focuses on building the community’s resilience, through training for early intervention and suicide prevention. It is important to increase the number of community-driven action groups in both rural and urban areas making mental illness assistance more accessible and the outreach more prominent. But solutions must be in tune with the needs of the local population. Local municipalities and state governments can provide initial seed funding for community-driven programmes. Mental health professionals could lend their expertise, either on a permanent or rotational basis.

Data collection on mental illness remain non-centralised, making monitoring and evaluation challenging. Malaysia needs a national research institute dedicated to mental health and illnesses, acting as a centralised data hub to provide accurate and viable information. Such information could be disseminated to the public via simple infographics and easily understandable data, thus improving the Malaysian population’s ability to debunk myths and inaccurate assumptions about mental illnesses. Data and research findings from this institute could also be used by the government ministries to formulate policy solutions. A prime exemplar of this kind of agency would be the National Institute of Mental Health in the USA, which is the lead federal agency for research on mental disorders. A federal-level mental health research institute not only ensures consistent and sizeable funding, it also shows that combating mental illnesses is one of Malaysia’s top priorities in its development agenda.

Malaysia’s labour force has recently seen a spike in mental illness. According to Malaysia’s Healthiest Workplace survey by AIA Vitality 2018, mental illness has increasingly affected Malaysian employees over the years. This can lead to staff absenteeism and high turnover rate which in turn negatively impact the productivity of a company. This highlights the importance of having an Employee Assistance Programme (EAP) that focuses on handling mental health and preventing the onset of mental illness in the workplace. Malaysian companies should, at least, provide some form of service to safeguard employees’ mental wellbeing as well as an avenue to which they can freely ask for meaningful support. Only a handful of Malaysian companies, such as the Malaysian Aviation Group (MAG), have incorporated provisions for mental health for their employees.

Technology yields enormous benefits toward de-stigmatising mental illness. A paper published in the Taiwanese Journal of Psychiatry found, that as of July 2018, Malaysia had only 410 registered psychiatrists. This amounts to a national average of 1.27 psychiatrists per 100,000 people, far below the recommended ratio of one psychiatrist per 10,000 population. Since Malaysia is sorely lacking in trained mental health professionals, technology may fill in the gap. With widespread access to smartphones, chatbots could be an alternative to in-person mental healthcare as well as normalizing mental health well-being. The famous mental health chatbot, Woebot, uses cognitive behavioural therapy along with recommending exercises to combat negative thinking and ways to manage mood disorders such as depression and anxiety. Perhaps in the near future, there could be a Malaysian-version of Woebot.

Most importantly, public schools represent ideal sites for addressing stigma around mental illness. The latest figures from the National Health and Morbidity Survey 2019 showed that about 424,000 children in Malaysia were experiencing mental health problems, which accounts for about 8% of those aged five to 15. Every school should inculcate mental health literacy programmes to improve the negative perception toward mental illnesses and to act as effective platforms for the dissemination of useful information. Students who have the right information can exercise more control over their mental health and assist other students. One such programme could be mental health first-aid to teach students to correctly identify and respond to mental illnesses. Unfortunately, in Malaysia, mental health literacy programmes are often organised only at universities and private education institutions.

Therefore, the Ministry of Health needs to make the strategic leap from awareness of mental illnesses to de-stigmatising it altogether. The most important outcome is to bring about positive change to Malaysian lives, and this starts with dispelling the public misconceptions about mental illness.

[newstfionline]

Tuesday, September 21, 2021

UN chief warns China, US to avoid Cold War (AP) Warning of a potential new Cold War, the head of the United Nations implored China and the United States to repair their “completely dysfunctional” relationship before problems between the two large and deeply influential countries spill over even further into the rest of the planet. U.N. Secretary-General Antonio Guterres spoke to The Associated Press this weekend ahead of this week’s annual United Nations gathering of world leaders. Guterres said the world’s two major economic powers should be cooperating on climate and negotiating more robustly on trade and technology even given persisting political fissures about human rights, economics, online security and sovereignty in the South China Sea. “Unfortunately, today we only have confrontation,” Guterres said.

Canada votes in pandemic election that could cost Trudeau (AP) Prime Minister Justin Trudeau gambled on an early election in a bid to win a majority of seats in Parliament, but now faces the threat of being knocked from power in Canada’s election on Monday. Polls indicate Trudeau’s Liberal Party is in a tight race with the rival Conservatives: It will likely win the most seats in Parliament, but still fail to get a majority, forcing it to rely on an opposition party to pass legislation. “Trudeau made an incredibly stupid error in judgement,” said Robert Bothwell, a professor of Canadian history and international relations at the University of Toronto. Trudeau entered the election leading a stable minority government that wasn’t under threat of being toppled.

Biden easing foreign travel restrictions, requiring vaccines (AP) President Joe Biden will ease foreign travel restrictions into the U.S. beginning in November, when his administration will require all foreign nationals flying into the country to be fully vaccinated. All foreign travelers flying to the U.S. will need to demonstrate proof of vaccination before boarding, as well as proof of a negative COVID-19 test taken within three days of flight, said White House COVID-19 coordinator Jeff Zients, who announced the new policy on Monday. Biden will also tighten testing rules for unvaccinated American citizens, who will need to be tested within a day before returning to the U.S., as well as after they arrive home. Fully vaccinated passengers will not be required to quarantine, Zeints said. The new policy replaces a patchwork of travel restrictions first instituted by President Donald Trump last year and tightened by Biden earlier this year that restrict travel by non-citizens who have in the prior 14 days been in the United Kingdom, European Union, China, India, Iran, Republic of Ireland, Brazil and South Africa.

Recall vote highlights California’s geopolitical divisions (AP) The California recall election was a blowout win for Gov. Gavin Newsom that reinforced the state’s political divisions: The Democratic governor won big support in coastal areas and urban centers, while the rural north and agricultural inland, with far fewer voters, largely wanted him gone. “It’s almost like two states,” Menlo College political scientist Melissa Michelson said. Though California is a liberal stronghold where Democrats hold every statewide office and have two-thirds majorities in the Legislature, it is also home to deeply conservative areas. Those residents have long felt alienated from Sacramento, where Democrats have been in full control for more than a decade. A conservative movement in far Northern California has for years sought to break away and create its own state to better reflect the area’s political sensitivities.

US launches mass expulsion of Haitian migrants from Texas (AP) The U.S. is flying Haitians camped in a Texas border town back to their homeland and blocking others from crossing the border from Mexico in a massive show of force that signals the beginning of what could be one of America’s swiftest, large-scale expulsions of migrants or refugees in decades. More than 320 migrants arrived in Port-au-Prince on three flights Sunday, and Haiti said six flights were expected Tuesday. In all, U.S. authorities moved to expel many of the more 12,000 migrants camped around a bridge in Del Rio, Texas, after crossing from Ciudad Acuña, Mexico. The U.S. plans to begin seven expulsion flights daily on Wednesday, four to Port-au-Prince and three to Cap-Haitien, according to a U.S. official who was not authorized to discuss the matter publicly.

Madrid street party (Reuters) Roughly 25,000 Spaniards joined in an illegal mass drinking party on the streets of Madrid on Friday, which took police until 7 a.m. the following day to break up. The huge outdoor parties, known as “macro-botellon,” have been resisted by Spanish authorities for years, and have taken on renewed significance as coronavirus restrictions limit public interactions. Police may find quieter streets next weekend as closing times for Madrid’s bars and clubs are finally extended to 6 a.m. from their previous 2 a.m. limits.

Thousands flee as lava spewing from volcano on Spain’s La Palma island destroys houses (Reuters) Authorities have evacuated about 5,000 people from villages in the Spanish Canary Island of La Palma as lava spews from an erupting volcano, local officials said. The 15-meter high lava flow has already swallowed 20 houses in the village of El Paso and sections of roads, Mayor Sergio Rodriguez told TVE radio station on Monday morning. Since erupting on Sunday afternoon, the volcano has shot lava up hundreds meters into the air and poured flows of molten rock towards the Atlantic Ocean over a sparsely populated area of La Palma, the most northwestern island in the Canaries archipelago. La Palma had been on high alert after more than 22,000 tremors were reported in the space of a week in Cumbre Vieja, which belongs to a chain of volcanoes that last had a major eruption in 1971 and is one of the most active volcanic regions in the Canaries.

Shooting at Russian university leaves at least 6 dead, 24 injured (Washington Post)  At least six people were killed and 24 were wounded after a gunman opened fire at a university in the northwestern Russian city of Perm, the government in the region said Monday. President Vladimir Putin called the shooting at Perm State University “a tremendous tragedy, not only for the families who lost their children, but for the entire country.” Such a rampage, which sent students hurling themselves from windows in a bid to escape the gunfire, is extremely rare for Russia, which has little experience of the kind of mass shootings routinely seen in the United States. Russia’s Investigative Committee, a law enforcement agency, said the attacker was a student who had purchased a hunting rifle in May. The agency said he had been apprehended and is in the hospital for treatment of wounds suffered while resisting arrest. Russia has strict laws on civilian gun ownership and requires people to pass psychological exams before obtaining a license for hunting and sport firearms.

Evergrande debts (NYT) Once China’s most prolific property developer, Evergrande has become the country’s most indebted company. It owes money to lenders, suppliers and foreign investors. It owes unfinished apartments to home buyers and has racked up more than $300 billion in unpaid bills. Regulators fear that the collapse of a company Evergrande’s size would send tremors through the entire Chinese financial system. Yet so far, Beijing has not stepped in with a bailout, having promised to teach debt-saddled corporate giants a lesson. Evergrande is on the hook to buyers for nearly 1.6 million apartments, according to one estimate, and it may owe money to tens of thousands of its own workers. As Beijing remains relatively quiet about the company’s future, those who are owed cash say they are growing impatient.

Pacquiao for president? (Foreign Policy) Manny Pacquiao, the former professional boxer and Philippine senator, has said he would run for president in next year’s election, accepting the nomination put forward by a faction of the ruling PDP-Laban party. His decision comes after Christopher “Bong” Go rejected a presidential nomination from a rival PDP-Laban faction earlier this month, although his running mate, President Rodrigo Duterte, accepted the nomination for vice president. If electoral authorities recognize Pacquiao’s nomination, he may still face competition from Sara Duterte-Carpio, the mayor of Davao and daughter of the president. Duterte-Carpio has topped recent opinion polls but has been cagey about her plans for higher office, saying last week that she would run for another term as Davao mayor in 2022.

Talibanning Women From Work (Guardian, BBC) In mid-August, with American troops still present, the Taliban vowed to respect women’s rights, forgive those who fought against them, and ensure that Afghanistan won’t become a haven for terrorists. Zabihullah Mujahid, long-time Taliban spokesman, gave his first ever public news conference, saying leaders had encouraged women to return to work and girls to return to school. He promised women would retain their rights, but qualified that as being “within the framework of Islamic law”—specifically, Sharia law. To no one’s surprise, it was just ‘happy talk’ meant to allay suspicions of world powers and the fears of Afghans. Soon there were ample reports of Taliban soldiers going house to house, searching for “traitors” and executing them. Working women were told to stay home and schools were shut down, although it was labeled a temporary security measure. In Kandahar, women bank tellers were forced out of their jobs at gunpoint. In the next days and weeks the group’s new government issued decrees restricting more rights of girls and women. Female students in middle and high schools were told they couldn’t return to classes, although boys were allowed to. Female university students were informed studies would now take place in gender-segregated settings, and they must abide by a strict Islamic dress code. Other crippling measures from when the Taliban ruled in the 1990s surfaced unofficially, including a requirement that Afghan women have a male guardian accompany them in any public place. On Friday, female employees in Kabul city government were told they couldn’t return to work if their job could be performed by men, meaning almost 1,000 women who were part of the city’s workforce of nearly 3,000 lost their jobs. The Taliban shut down the Women’s Affairs Ministry, replacing it with a ministry for the “propagation of virtue and the prevention of vice” tasked with enforcing Islamic law.

The Taliban vs. ISIS (Washington Post) After years of waging a holy war to overthrow the U.S.-backed government in Afghanistan, Taliban fighters have struggled to adjust to their new day job: the mundane task of securing a city. “All of my men, they love jihad and fighting. So when they came to Kabul they didn’t feel comfortable. There isn’t any fighting here anymore,” Taliban commander Abdulrahman Nifiz told The Post. But the Taliban still faces a violent foe: the Islamic State affiliate in Afghanistan, which claimed responsibility Sunday for a series of blasts over the weekend in the country’s east that reportedly killed several people and injured tens more. The improvised explosive devices were set off Saturday and Sunday around the city of Jalalabad, known as a stronghold for the Islamic State-Khorasan (ISIS-K).

Troll Farms (MIT Technology Review) A report produced by a Facebook employee details the enormous impact troll farms—that is, organized networks designed to spread misinformation—have on the social network. The October 2019 report identified that the most popular pages for Christians and Black Americans were, in fact, operated out of Kosovo and Macedonia. As of October 2019, 15,000 Facebook pages with a predominantly American audience were operated out of those countries, reaching 140 million U.S. users every month. Troll farms operated the fifth-largest women’s page, the second-largest Native American page, 10 of the top 15 African-American interest pages, and every single one of the 15 top pages targeting Christian Americans.

[notebooknebula]

Andrew Campbell and Multifamily Investments

https://www.jayconner.com/andrew-campbell-and-multifamily-investments/

Today, Jay Conner interviews Andrew Campbell about multifamily investments.

Real Estate Builds Wealth better than any other investment vehicle. No other investment class has 4 ways to provide returns that real estate provides including: Cash Flow, Appreciation, Amortization, Depreciation. Focusing on Value Add & Infill Locations Minimizes Operational Risk.

This is a strategy that uses both Macro & Micro Economic factors provides our operating team with strong upside potential. The U.S has already become a nation of renters.

Home affordability, economic uncertainty and a shift in the mentality of the American Dream has made renting, not owning, the new normal. Texas is better-positioned to capitalize on population and job growth than any other state.

A business-friendly environment, strong employment opportunity and family affordability have made Texas the best place to live in America right now.

Tune in to the discussion today to learn more about this with Jay Conner and Andrew Campbell.

Real Estate Cashflow Conference:

https://www.jayconner.com/learnrealestate

Free Webinar:

http://bit.ly/jaymoneypodcast

Jay Conner is a proven real estate investment leader. Without using his own money or credit, Jay maximizes creative methods to buy and sell properties with profits averaging $64,000 per deal.

#RealEstate #PrivateMoney #FlipYourHouse

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Jay Conner (00:01): Well, Hello there and welcome to another episode of Real Estate Investing with Jay Conner. I’m Jay Conner, your host also known as the Private Money Authority. And if you’re brand new to the show, a special welcome to you here on the show, we talk about all things relating to real estate investing, how to find deals, how to fund deals, how to sell deals quickly, how to automate your business. So you’re running it and it’s not running you. And if you’ve been tuning into the show, my land, since we launched in June, 2018, we’re blowing right on through 300,000 downloads. We appreciate all of our subscribers. So if you’re tuning in on iTunes or Google play, or one of those type formats, we really appreciate if you will subscribe and rate and review us and give us five stars. And also if you’re new to this show the reason I’m called The Private Money Authority is because back from 2003 to 2009, I relied on local banks to fund our deals.

Jay Conner (01:11): And I got cut off like the rest of the world in 2009, I was introduced to this wonderful world of private money to where you actually do business with individuals. And so I’ve got right now about 50 different private lenders investing in our deals. And I also coach and train and educate other real estate investors on how to get funding for your deals without relying on banks and mortgage companies and et cetera. So if you’d like to learn all about that, and how you can get plugged into the money and get plugged into funding, I’ve got a free trial for you to come join my membership, where I actually do live training twice a month, and you get all kinds of content and training inside the membership. It’s called The Private Money Academy and for you to come check it out for free for 30 days, get on over to www.JayConner.com/trial.

Jay Conner (02:11): Glad to have you in there. Now, another thing about the show is that I’ve had just some amazing experts and guests join me here on the show and today is no exception. My guest today is a native Austinite in case you don’t know what an Austinite is that someone from Austin, Texas, and he’s a real estate entrepreneur and he broke into real estate investing first back in 2009 as a passive investor. Well, in 2012, he transitioned into active investing and management as a personal portfolio that grew to 76 units across Austin and the San Antonio areas. Well, he earned his stripes if you will, building and managing his personal portfolio before moving into much larger multifamily buildings and deals. Well, the name of his company is Wild Horn Capital. Well at Wild Horn Capital, he’s focused on acquisitions, finding deals and maintaining investor relations.

Jay Conner (03:19): Also leveraging his marketing background to build long term relationships. Well today, his company Wild Horn Capital controls over $200 million in it’s portfolio. And they have over 1700 units in Texas. Well, my guest’s background is in market research and brand strategy, and he’s spending time in both advertising agencies and emerging technology consultants where he was most recently a partner and an award winning app developer. That’s pretty interesting right there. In addition to that, he received a BS in advertising from the university of Texas at Austin, and he has his MBA from Baylor University. With that! well, welcome to the show, Mr. Andrew Campbell. Hello Andrew.

Andrew Campbell (04:12): Hey Jay, how are you?

Jay Conner (04:13): I am doing fantastic! So you grew up in Austin, Texas, right?

Andrew Campbell (04:19): Yes Sir.

Jay Conner (04:20): Excellent. Well, my wife Carol Joy, she’s from Wichita Falls, Texas. And so we got a little bit in common right there. So you actually started in real estate back in what year?

Andrew Campbell (04:33): Kind of 08, 09 kind of move back to Austin around then right as the world was ending and thought it was a good time to jump in.

Jay Conner (04:42): Wow! Well, I tell you that reminds me of what I just shared. I mean not, from 2003 to 2009, I was relying on local banks for my single family house business and wow! With no notice I mean, I got like cut off with no notice, but you know what, for me, Andrew, it was a big blessing in disguise cause I learned about private money very quickly. And actually within 12 months of being cut off from my funding, our business actually tripled because I had access to the funding. So I was able to do, you know, so many more deals. So with you coming in back in 2008, 2009, what was your first year or two like?

Andrew Campbell (05:25): Well, I was probably you know one of the guys you might have been borrowing money from then. I think the first the first few years kind of based in passive investments or I was not real active, you know, kind of barrow lending money and admit it and as a passive investor in some ground up deals in Austin, some infill condo developments and kind of you know, got to see the business happen, got to see things be built, got to see returns come in and, and I think caught the bug a little bit. And really it was started looking for creating a little bit more longterm, passive cash-flows which led me into more on the active side, you know, buying duplexes, fourplexes, and ultimately kind of graduating and now we’re buying, you know, call it 200, 300 unit apartment complexes.

Jay Conner (06:07): I got you. So you and your company is totally focused right now on multifamily units, right?

Andrew Campbell (06:17): Right, yes Sir yeah. Austin and San Antonio, our focus is really kind of class B, B plus assets that have some sort of value add component but you know, good assets and good location. And the business plan is to hold them for five to seven years and you know, make everybody real nice return and just fortunate to be from a market that’s growing as fast as Austin’s growing.

Jay Conner (06:42): Well now, just to make sure our audience understands what is a, B, B plus project or property?

Andrew Campbell (06:48): So, you know, most properties, is kind of a subjective, you know, but ABC properties, maybe a D people might have D properties, which I certainly recommend steering clear of, you know, A-class is going to be typically brand new, highly amenitized, you know, might be downtown B class a little bit older, you know, I’d probably say stuff built in the eighties you know, or nineties, early two thousands, even it’s somewhat based on the asset type and somewhat based on the location.

Andrew Campbell (07:17): You know, but I think for us B, B plus, you know, that’s a good grade in school and that’s a good grade in the real estate world, it’s, we’re not trying to get top of the market rents, but we’re also, you know, we’ve got a good professional base of renters, young professionals, teachers nurses, that sort of thing that are, you know, good, good quality folks and looking for, you know, rental property, but you know, kind sort of middle of the market.

Jay Conner (07:42): What would you classify or list are the benefits and investing in multifamily versus single family houses?

Andrew Campbell (07:51): I think efficiency you know, as I started out kind of with some duplexes and fourplexes, you realize the more sort of shared units you have say under one roof you just it’s more efficient. So if your roof goes out on a single family, you know, you’re out $20,000 on an eight unit building, you know, it’s the same $20,000 to replace that roof or to replace that concrete you know parking lot or whatever the system might be. So I think that’s a big one, I also think as you get into larger,

Jay Conner (08:23): So, Scott I’ma need for you to come to the forefront and save the day for a moment because I just lost connection. And I think you all can hear me. I’m gonna sign out and sign right back in. So pick it up, Scott, I’ll be right back.

Scott Paton (08:39): I don’t know if we lost him or not, but continue on Andrew cause you’re live for us.

Andrew Campbell (08:45): Okay. yeah, so, you know, I think they’re just more efficient and, you know, as I saw you get better, I guess better management, as well as something I saw that you can afford and a property is big enough to support onsite management. You get a better quality of manager. You’ve got, you know, one, two, three, four people whose full time job is to oversee and over that, that asset. And also just logistically of us as the asset manager, having one place to go where you’ve got a collection of you know 250 units, I think it’s a little bit more efficient than you know, kind of if you had 250 single family homes, you’re trying to drive around and keep tabs on it’s just a little bit more difficult.

Jay Conner (09:26): Alright, I’m back with you Andrew, Sorry I got bumped up there for a quick second. So you were talking about efficiency and you know you got one roof and you know, it was $20,000 and you know, you got eight units versus, you know versus one unit. So, let’s talk about acquisitions cause you focus a lot on acquisitions in the company, right?

Andrew Campbell (09:45): Yep.

Jay Conner (09:46): Yeah, So how about help us out and understand, what’s your criteria when you’re looking for a deal? What is it that determines what a deal is? And I know that’s a Multifaceted answer to that question, but at least give us the 30,000 foot view on what’s your criteria on whether to buy or not to buy and what are you looking for?

Andrew Campbell (10:10): Yeah, I think the first thing for us is it’s gotta have some sort of value add component. You know, whether that’s an interior renovation play or it’s a land entitlement, but something that you we’re buying an existing asset and there’s a path, a very feasible path forward to increase the value of that asset. And then we’re going to look at location, you know, so we want to be in good locations. We want to be you know, where we don’t want to bet that the city is gonna make a left turn. This is going to be in a good area. You know we’re pretty strict about our rule of being kind of class B neighborhoods. And I think the final thing is just looking at what those investor returns ultimately become. You know, I think our job is very much to sort of pair you know, good interesting real estate plays with investors.

Andrew Campbell (10:54): And it’s gotta be something that we feel like is a good risk adjusted return that’s also competitive and that you’re gonna feel good about, you know, take into your friends and family your investor base. It says, Hey, this is a play that’s gonna double your money in five years or seven years or whatever that business plan is. So it varies a little bit into your point it’s very multifaceted, but it starts with having a good asset with good bones and then a business plan we believe in, and then, you know, is it, do we think it’ll make money?

Jay Conner (11:24): So when it comes to funding these deals obviously your company raises private capital for some of the funding. Do you use some institutional funding? Do you have some owners that will actually sell to you on terms or is it all the above?

Andrew Campbell (11:45): It’s all been kind of private individuals is where we get our funding. We don’t have any bunch of institutional partners. It’s been just relationships and folks that we know and folks that have heard about us that we’ve gotten to know, you know, based on our focal geographic focus, kind of our track record and, you just a lot of recommendations. So it’s, you know, putting those together and really focused on just helping people understand. I think there’s other alternatives out there to investing and you don’t have to you know, you can have a small piece of a large deal and if you like real estate, but you want to be passive that’s kind of been who our investor base is.

Jay Conner (12:26): Alright, So I know it varies, you know, what year are you in? It varies on the project, but what’s a ballpark type of return that your investors can receive these days.

Andrew Campbell (12:41): So we’re kind of on a typically thinking about things on a five or seven year horizon. You know, so again, that it taken advantage of where we’re located in Austin and how much the city’s growing. You know, we’re not looking to do something in 18 months or two years. So on a five to seven year horizon, typically looking for something that’s going to get you sort of a two X or a one eight X multiple on a five year investment. You know, it’s gonna have some cash on cash. I think that’s the advantage of buying an existing asset as we know kind of going in what that’s gonna look like, in Austin right now it’s been really competitive, you know that may be 4% in year one. But you’re going to get some initial cashflow and you know, looking for a total IRR of kind of a low teens maybe 12 to 14% somewhere in there.

Jay Conner (13:28): Say, if you can double your money or somebody can double their money in five years that is a whale of a return right there.

Andrew Campbell (13:37): Yeah, no it is. And I think that’s you know, when you pair the getting some cashflow with some of the appreciation and being you know, the advantage of leverage I mean we’re pretty conservative in our leverage about 68% across our portfolio, but the power of leverage really allows you to get some outsized returns in real estate.

Jay Conner (13:56): Yeah, for sure. So what are the what are some different ways that you can increase the value you know, of a you know multi-family you know, apartment complex property?

Andrew Campbell (14:11): Yeah, the most straightforward is just in improving it, you know, going in, we typically will buy an asset, we’ll rebrand it kind of change the story, update the look and the amenities, update the clubhouse, so it feels like a newer more modern property, and then we’re going to go update the interiors as well. If it’s a deal that was built in the eighties you know, update the cabinetry, knock out some walls, open up the floor plan, modernize it. When you do that, you’re able to raise the rents. You know, maybe you raise them $75 or a hundred dollars. But again, over 200 units, you know, that’s increasing the NOI quite a bit. We’ve also got some strategies, you know, parking, adding covered parking adding private pet yards, you know, or just, if you’re on a first floor unit, you want your own sort of private space for your kids to run around or a grill or anything.

Andrew Campbell (15:01): You can charge 75 to a hundred dollars a month for that. Amenity fees, package lockers. There’s lots of little strategies that you can employ and you know, add to the NOI. And at the end of the day, these deals are I think one big difference with single family is these are valued like businesses. So it’s based on a cap rate in the market. If you can improve the NOI on a property by a hundred thousand dollars, and the cap rate in Austin as a four and a half, or maybe sub, you know, maybe it’s a 4% you’re getting an outsized return on your value of the dollars you’ve spent. So that’s really the name of the game is finding ways to to increase the NOI

Jay Conner (15:39): Is your exit strategy typically to be in a project for five to seven years add value to it and then sell it?

Andrew Campbell (15:46): It is , and I think a lot of that is driven by you know, investors. I mean most investors want to recycle their capital. You know, my personal we’ve got some personal properties and the goal is to own them forever, you know, longterm cash flows but when you partner with investors, people want to recycle that capital. And the hope is they’ll recycle that and potentially might do a 10 31 with those investors but yeah, typically you’re going to sell it in five or seven years.

Jay Conner (16:15): Excellent! So here we are at least in today’s show we’re still in the midst of COVID-19 and the aspects of that. So is now and today still a good time to be investing in melded family with whatever consequences and ramifications of COVID-19 that’s going on.

Andrew Campbell (16:39): Yeah. You know, who knows what the world looks like? It changes by the day. We think it is, you know, and I think couple of reasons our investment thesis has always been you know, people need to live somewhere and offering that kind of B class property you know, It’s a good thing to do you know, people are gonna not pay their car payment, There’s a lot of things you’ll do to make sure you got a roof over your head. We’ve seen collections be very, very strong you know, over 98% across our portfolio since the beginning of cope. And so people have if they can pay their rent they are paying their rent. And so far they’ve been able to do that. I think when you compare it with other asset classes, you know, we feel like multifamily and industrial have been the two asset classes that are outperforming.

Andrew Campbell (17:23): Obviously office is a lot of concern about office space downtown across the country. The office space in the coast is people are kind of leaving the coasts retail, you know, a lot of question marks about how fast, how many of those businesses come back. So, you know, if you look at what your options are and kind of keep cash under your mattress or, you know, you put it in the stock market and kind of, how do you feel about where that’s going to be, or your multifamily it’s always been for us a pretty conservative play and not a business it’s get rich slow. You’re not gonna go we’re not trying to hit, you know, 30% returns on development deals we’re buying existing assets, conservative leverage, and they have good returns. And we think that thesis has held up so far in COVID. And certainly we’ll continue to look for the right opportunities. Obviously you gotta tweak your underwriting and some of your assumptions now with as the market softened some, but it’s still relative to your other options a very strong bet.

Jay Conner (18:23): Yeah. I’ve experienced the same thing here in Eastern North Carolina. We’ve got quite a few people that are purchasing single family homes by using our rent to own program. And we are at 100% collecting all the way through a COVID-19 and, you know, like you just said, a moment ago, people are going to do what they can do. You know, all they can do to keep a roof over their heads. One thing I’ve heard you say Andrew, is that in this line of, in this investment class, if you will, the way you offer people, you know, investing in your business and et cetera, really four ways to get returns. And, you know, you talk about cashflow, appreciation, amortization and depreciation. Can you talk for a minute about what’s the difference between those four and what are those four returns and what they mean?

Andrew Campbell (19:20): Sure, so you know, cashflow is just, it’s pretty simple. It’s kind of the, what’s leftover at the end of the month after we pay all the expenses. And again, a benefit of buying an existing asset, you know, we know how that’s performed, so there’s cashflow and that when we make those distribution to investors, that’s a pretty simple concept appreciation, you know, that’s us benefiting from being in a market that’s growing really quickly. And there’s new people moving here every day, there’s new jobs. So the values go up, you know, I think a lot of people talk about real estate as an inflation hedge, which is another thing, you know in today’s day and age where there’s lot of concern about inflation with the FED and their conversations and real estate, you know, if inflation runs people for paying, you know, tomorrow’s dollars for our assets.

Andrew Campbell (20:09): So it’s a nice hedge there, but that’s just appreciation. It’s the market saying that, you know, your house, you bought it for $200,000 and in five years later, it’s worth $250,000, that’s your appreciation. Depreciation and amortization are kind of based on the leverage and the tax structure. So we’re able to depreciate these assets. We actually had one advantage of large properties, cost segregation. So we can come in you hire an engineering firm and rather than taking a straight line, 27 and a half year depreciation schedule, they break down your property, you know, 200 lines on a spreadsheet and say well, your roof has as a useful value of X years, your appliances, your flooring, your mechanical, et cetera. We can depreciate about 80% of that property in the first five years which lowers your, you get a K1 that shows you, you made little to no money, even though you made got distributions. And then amortization is just us paying down the loan, you know, so every month as we pay our mortgage we own more of the property. And so you kind of combine those four aspects and it makes it’s another big advantage of really any real estate investing. But I think from a passive standpoint you know, what we’re doing multifamily it gets pretty powerful.

Jay Conner (21:26): Last question I’ve got for you Andrew, what are some of your favorite ways? I mean, you’re in acquisitions. What are your, some of your favorite ways to locate these deals?

Andrew Campbell (21:36): You know, we just are inherently focused on relationships, you know, so we’re born and raised in Austin. We’re focused on Austin and San Antonio. And so we pride ourselves on having really good relationships and being very plugged to the community, with the brokers and the other owners. And so we want to hear about every deal that’s coming out and we want to underwrite them and just see where the market’s going and trending. And, you know, we want to get the opportunity to buy stuff off market, which we’ve been successful three or four times, or you know, getting the first phone call if somebody’s gonna get a listing. It’s just been very laser focused on our market and building relationships here at home.

Jay Conner (22:14): I got you. Well, you can’t beat the network, you can’t beat the referrals. So folks you’ve been listening to my special guests today or watching, depending on how you’re tuning in to Andrew Campbell. And so Andrew final thoughts and comments.

Andrew Campbell (22:32): No, It’s been great. You know, I enjoy talking real estate and you know, mentoring people or talking through investing. And so if anybody is interested in reaching out you can see the website here, WildhornCap.com My email’s AndrewWildHornCap.com be more than happy to have a conversation, and I’m kind of a real estate junkie and love to have conversations. So it would be more than happy to reach out to anybody if they were interested in learning more.

Jay Conner (22:58): That’s great! So for those of you that are listening in, let me give you that website specifically it’s www.WildHornCap.com. That’s spelled WildHornCap.com One more time that’s www.WildHornCap.com and you can reach Andrew specifically himself. And that email address again Andrew, correct me if I’m wrong, Andrew@WildHornCap.com. Is that right?

Andrew Campbell (23:37): That’s right.

Jay Conner (23:38): Alright, Andrew, thank you so much for joining me here with the show today.

Andrew Campbell (23:42): Thanks for having me, I enjoyed it!

Jay Conner (23:44): Alright, very good! Well there you have It folks! Another show Real Estate Investing with Jay Conner. I am Jay Conner, the private money authority wishing you all the best and here’s to taking your real estate investing business to the next level. We’ll see you on the next show, Bye for now.

[marketreports006]

OBD Telematics Market Research Report, Size, Share, and Industry Outlook 2027

The market research report on the Global OBD Telematics Market published by Reports and Data has been formulated through a series of extensive primary and secondary research and further verified and validated by industry experts and professionals. The well formulated research report aims to provide the readers a better understanding of the industry and help them formulate strategic investments plans to maximize on lucrative growth opportunities and gain a strong foothold in the market. The report also evaluates the market dynamics including drivers, restraints, opportunities, threats, challenges, and other key segments. The study covers critical current market trends along with an extensive analysis of emerging trends.

Key companies operating in the global market include: Delphi, Continental, Bosch, LG,Geotab, Danlaw, CalAmp, Automatic, Dash, Zubie, Xirgo Technologies, Mojio.

Get a sample of the report @ https://www.reportsanddata.com/sample-enquiry-form/102

The report covers a detailed examination of the market scenarios and trends on a regional and global level. The key regions covered by the report include North America, U.S., Canada, Europe, Germany, U.K., France, Italy, Spain, Russia, Asia Pacific, China, India, Japan, Australia, South Korea, New Zealand, Rest of APAC, Latin America, Brazil, Mexico, Rest of Latin America, Middle East and Africa, U.A.E., Saudi Arabia, South Africa, Rest of MEA.

The section covers expected growth rate of each geographical region, micro and macro-economic factors, upstream and downstream industries, regulatory framework, growth trends, and shift in consumer preferences. It also studies import/export, supply and demand ratio, production and consumption and presence of key companies in the region.

The study covers the current competitive scenario with a special emphasis on the strategic initiatives taken by the prominent players of the industry. The report specifically focuses on strategic alliances such as collaborations, partnerships, agreements, mergers and acquisitions, joint ventures, and product launches, among others. The report also offers statistical analysis by utilizing tools such as SWOT analysis, Porter’s Five Forces analysis, feasibility analysis, and investment return analysis.

Request a discount on the report @ https://www.reportsanddata.com/discount-enquiry-form/102

The research report provides an extensive analysis of the global OBD Telematics market with a focus on key companies involved in the market and segmentation of the market based on application, types, and regions. Based on types, the

OBD Telematics market has been segmented into

·         SIM Card

·         Wifi

·         Others

Based on applications, the OBD Telematics market has been segmented into

·         Repair Technicians

·         State Agencies

·         Vehicle Owners

·         Vehicle and Engine Manufacturers

·         Others

To know more about the report @ https://www.reportsanddata.com/report-detail/obd-telematics-market

Key Points Addressed in the Report:  

·         The report covers the market evaluation for the forecast years from 2021-2028

·         Extensive analysis of market size, market trends, drivers and restraints, investment approaches, opportunities and threats

·         Overview of the market dynamics, growth opportunities, threats, limitations, risks, drivers, restraints, challenges, and other key aspects

·         Focus on the consumption of the product/service in regards to the specific regions and the factors affecting the growth of market in those regions

·         Analysis of segments expected to grow at a significant revenue CAGR over the forecast period

·         Advanced analytical tools such as SWOT analysis and Porter’s Five Forces analysis along with details diagrams, graphs, and figures, and other pictorial representation

Thank you for reading our market report. The report can be customized as per requirements. For further information or query, please connect with us. We will ensure that you get the report customized and well suited for your needs.

Have a Look at Related Reports:

Artificial Ventilators and Anesthesia Masks Market Size

 Insulin Delivery Devices Market Share

[winlandmetalnews]

China Copper Weekly Review: Copper prices fall from a high level this week (Week 9)

Supply in Chile and Peru will resume, and the tension will be eased. The actual start of consumption in the current market has been suppressed. No obvious replenishment behavior has been seen. The continuous rise of the US dollar index and US bond yields constituted pressure, and the copper price fell from a high level this week .

1. The trend of domestic spot copper prices this week

In the week of March 5, the domestic spot copper price dropped from a high level. The average price of 1# copper was reported at 66672 yuan/ton, with an average daily drop of 740 yuan/ton, and a weekly drop of 5.40%; the average price of the previous week was reported at 68280 yuan/ton, a decrease of 1608 yuan/ton compared with last week, and a month-on-month drop of 2.36% .

Chile's copper production in January fell by 0.7% year-on-year. Chile's national copper company Codelco's copper production surged, but the world's largest copper mine Escondida's copper production fell; Peru's metal mining industry fell by 7.12% in January, of which copper fell by 7.6%. Chilean ports have returned to normal and the state of emergency in Peru has been lifted. Analysts expect a large number of ships from Chile and Peru to arrive at Chinese ports starting in March, and the tight supply situation will be eased.

Previously, prices rose too fast, and rising production costs inhibited the start of actual consumption. The Shanghai Futures Exchange's inventory continues to accumulate, and there is still greater pressure to destock. Recently, due to the increase in the price of raw materials, some downstream companies feared the high to reduce the operating rate. There has not been any obvious replenishment behavior, and the prices of various home appliances such as air conditioners have increased. The agency said that some of the fundamental factors supporting industrial metals began to fade, and the macro atmosphere disturbed the market, and copper prices fell from their highs this week.

2. One-week trend of copper futures prices

Data show that this week the center of gravity of Lun Copper has moved down. The average price of LME copper in the first four trading days was US$9003.5/ton, an average daily drop of US$102.75/ton; the average price last week was US$9243.4/ton, a month-on-month drop of 2.60%.

China's manufacturing industry has remained above the line of prosperity and decline for 12 consecutive months, but its activity has declined, and the pace of expansion of production and demand has slowed. Manufacturing activities in Europe and the United States have also maintained an expansion trend. The good manufacturing conditions have eased the economic impact of the blockade measures. The global vaccine is accelerating, and economic recovery is expected to drive demand recovery. However, the U.S. dollar index and U.S. bond yields have continued to rise recently, and the Fed has not given a "rescue" signal, which has put pressure on the commodity market.

The trend of Shanghai copper was weak this week. The average weekly settlement price of the current month contract was 66710 yuan/ton, an average daily drop of 668 yuan/ton; the average price of the previous week was reported at 67864 yuan/ton, down 1.70% from the previous week. Copper inventories in Shanghai continued to climb this week, increasing by 15067 tons to 163,025 tons, an increase of 10.18. The cumulative increase in the past five weeks reached 144.91%.

3. Lun Copper Week Inventory Situation

Lun's copper stocks continued to rise this week, with a cumulative increase of 2,800 metric tons to 79,025 metric tons, a cumulative increase of 3.67%.

Fourth, hot finance at home and abroad

China:

1. According to data from the National Bureau of Statistics, the manufacturing PMI in February was 50.6%, which was higher than the critical point, down 0.7 percentage points from the previous month, and remained above the prosperity and decline line for 12 consecutive months. my country's economy as a whole continued to expand.

2. The economic recovery in 2020 will be better than expected, and the annual GDP will grow by 2.3%. The government work report stated that the main expected target for development in 2021 is to increase GDP by more than 6%.

International aspect:

1. The final value of the Eurozone manufacturing PMI in February was announced at 57.9, a new high since February 2018. The previous value was 57.7 and the expected value was 57.7. The continued expansion of manufacturing in the Eurozone is clearly helping to offset the weakness in many consumer-facing industries.

2. The US Manufacturing ISM Purchasing Managers Index in February increased to 60.8 month-on-month, the highest in three years since February 2018, with an expected value of 58.6 and a previous value of 58.7. It has been expanding for 9 consecutive months, and the price index hit the highest since July 2008.

Five, copper market news of the week

1. Rio Tinto and Mongolia reached a new agreement to expand the Oyu Tolgoi copper-gold mine in the Gobi Desert. Underground expansion is its most important growth project. After completion, the mine will produce 480,000 tons of copper per year from 2028 to 2036.

2. An executive of Southern Copper in Peru revealed that the company is advancing the development of the Chancas and Michiquillay projects worth US$5.4 billion because China’s demand and limited supply will help boost global copper prices.

6. Outlook for the copper price market outlook

The market's expectations for the global economic recovery have increased. With the continuous advancement of vaccines, the haze of the epidemic in Europe and the United States has continued to weaken. The European Central Bank said that trade has almost returned to the level before the epidemic and that it can remain optimistic about the economic outlook in the second half of the year. However, the four consecutive months of contraction in the service industry have brought the Eurozone economy into a second recession, but the recession has slowed down. The US stimulus plan continues to advance, but the job market is mixed and has not yet recovered from the impact of the epidemic. The Fed said it may not be able to restore full employment within the year.

China's economic growth target for this year is set at more than 6%, which will steadily increase bulk consumption such as automobiles and home appliances, and increase charging piles and other facilities. According to data from the Passenger Association, the cumulative retail sales of passenger vehicles in the first two months increased by about 71% year-on-year. The China Automobile Association predicts that the sales of new energy vehicles will reach 1.8 million this year. The terminal market demand will be more positive in the future, and the peak season consumption expectation in the second quarter still exists, but the macro atmosphere is uncertain. It is expected that copper prices will continue to fluctuate next week.

[comrade-meow]

A Marxist-feminist analysis of how capitalism is reproduced and develops.

The sphere of reproduction today reveals all the original sins of the capitalist mode of production. Reproduction must be viewed, of course, from a planetary perspective, with special attention being paid to the changes that are taking place in wide sectors of the lower social strata in advanced capitalism as well as in an increasing proportion of the Third World population. We live in a planetary economy, and capitalist accumulation still draws its life-blood for its continuous valorisation from waged as well as unwaged labour, the latter consisting first of all of the labour involved in social reproduction, in the advanced as well as the Third World countries.

We find that social ‘misery’ or ‘unhappiness’ which Marx considered to be the ‘goal of the political economy’ has largely been realised everywhere. But, setting aside the question of happiness for the time being – though certainly not to encourage the myth of its impossibility – let me stress how incredible it now seems, Marxist analysis apart, to claim that capitalist development in some way brings a generalised wellbeing to the planet.

Social reproduction today is more beset and overwhelmed than ever by the laws of capitalist accumulation: the continual and progressive expropriation (from the ‘primitive’ expropriation of the land as a means of production, which dates from the sixteenth to eighteenth centuries in England, to the expropriation, then as now, of all the individual and collective rights that ensure subsistence); the continual division of society into conflictual hierarchies (of class, sex, race and nationality, which pit the free waged worker against the unfree unwaged worker, against the unemployed worker, and the slave labourer); the constant production of inequality and uncertainty (with the woman as reproducer facing an even more uncertain fate in comparison to any waged worker and, if she is also member of a discriminated race or nation, she suffers yet deeper discrimination); the continual polarisation of the production of wealth (which is more and more concentrated) and the production of poverty (which is increasingly widespread).

As Marx writes in Capital:

                                        “Finally, the law which always holds the relative surplus production or industrial reserve army in equilibrium with the extent and energy of accumulation rivets the worker to capital more firmly than the wedges of Hephaestus held Prometheus to the rock. It makes an accumulation of misery a necessary condition, corresponding to the accumulation of wealth. Accumulation of wealth at one pole is, therefore, at the same time accumulation of misery, the torment of labour, slavery, ignorance, brutalization and moral degradation at the opposite pole, i.e. on the side of the class that produces its own product as capital.”

This is true, not only for the population overwhelmed by the Industrial Revolution of the nineteenth century. It is even more accurate today, whether capital accumulation passes through factory, plantation, dam, mine or the carpet weaving workshops where it is by no means rare for children to be working in conditions of slavery.

Indeed, capitalist accumulation spreads through the world by extracting labour for production and reproduction in conditions of stratification which end in the reestablishment of slavery. According to a recent estimate, slavery is the condition in which over 200 million persons are working in the world today.

Those macro-processes and operations which economic forces, supported by political power, unfolded during the period of primitive accumulation in Europe – with the aim of destroying the individual’s value in relationship to his/her community in order to turn him/her into an isolated and valueless individual, a mere container for labour-power which she is obliged to sell to survive – continue to mark human reproduction on a planetary scale.

The indifference to the very possibility of labour-power’s reproduction shown by capital in the first phase of its history was only very partially (and today increasingly precariously) redeemed centuries later by the creation of the welfare state. Currently, the major financial agencies, the International Monetary Fund and the World Bank, have undertaken the task of re-drawing the boundaries of welfare and economic policies as a whole in both the advanced and the developing countries. (The economic, social welfare and social insurance measures recently introduced in Italy correspond precisely to the various ‘structural adjustment’ plans being applied in many Third World countries.) The result is that increasingly large sectors of the world’s population are destined to extinction because they are believed to be redundant or inappropriate to the valorisation requirements of capital.

[kneedeepincynade]

The Americans will boast about how their are better than China, and they can easily defeat it,only to then run to it as soon as they need something

The post is machine translated

Translation is at the bottom

The collective is on telegram

⚠️ LA DUPLICE NATURA DEGLI USA VERSO LA CINA: SIA AGGRESSORI, SIA MENDICANTI ⚠️

🇺🇸 Gli USA, nei confronti della Cina, presentano - essenzialmente - una duplice natura: vili aggressori e disperati mendicanti 🤔

😡 Da un lato, le tigri di carta statunitensi interferiscono negli affari interni della Cina, foraggiano il separatismo del regime-fantoccio di Tsai Ing-wen, fabbricano prove false sullo Xinjiang, inviano aerei e navi da guerra nel Mar Cinese Meridionale, dall'altro si presentano in Cina come bisognosi di aiuto per la loro terrificante gestione del Debito e dell'economia, in declino da tempo 😂

🇨🇳 In Cina, Janet Yellen ha incontrato il Compagno Li Qiang - Primo Ministro della RPC, e il Compagno He Lifeng - Vice-Primo Ministro della RPC e Direttore della Commissione Centrale per gli Affari Finanziari ed Economici del Partito Comunista Cinese 🚩

🇨🇳 Il PM Li Qiang ha dichiarato che, per Cina e USA, trovare il modo giusto per andare d'accordo, nonostante le molteplici differenze, è importante per il futuro del Mondo. Cooperazione o confronto? Dialogo o scontro? L'anno scorso, a Bali, il Presidente Xi Jinping incontrò il Presidente Biden, dove disse: «Uno statista dovrebbe pensare a dove sta portando il proprio Paese, e dovrebbe sapere come andare d'accordo con gli altri» e propose agli USA i Tre Principi per le Relazioni Sino-Statunitensi:

一 Rispetto Reciproco (相互尊重) 🤝

二 Coesistenza Pacifica (和平共处) 🕊

三 Cooperazione a Mutuo Vantaggio (合作共赢) 🤝

💬 «La Cultura Cinese valorizza la Pace sopra ogni altra cosa, al contrario dell'egemonia e del bullismo», ha ricordato Li Qiang alla Yellen, e la Cina «spera che gli USA adottino un atteggiamento reazionale e pragmatico», per riportare le relazioni sulla retta via 🤩

🌸 La Modernizzazione Cinese è un'opportunità per il Mondo, anche per gli USA. Tramite la cooperazione, ogni Paese può beneficiare dei frutti dello sviluppo della Cina, e i petali rosa della 中国春天 possono diffondersi ovunque 😍

🇺🇸 Yellen ha dichiarato che gli USA non intendono separare o recidere le catene di approvvigionamento (anche perché non possono, avendo un Paese quasi completamente de-industrializzato), e che non intendono ostacolare il processo di Modernizzazione della Cina 🤔

😡 Parole, e le parole sono vento | Gli USA dovrebbero tradurre in azioni concrete le parole. Affermano di non cercare il «de-coupling» e di non voler ostacolare lo sviluppo Cinese, ma poi:

一 Impongono sanzioni unilaterali alle Aziende Cinesi 😡

二 Creano "club ristretti" per cercare di indebolire lo sviluppo della Cina 😡

🔍 Approfondimento: "Gli Stati Uniti costringono gli alleati a prendere di mira la Cina all'IPEF", di Qi Xijia 🇨🇳

🐰 PS: sembra, a quanto rivela Reuters, che la Yellen - durante l'incontro con He Lifeng, abbia chiesto al Partito COMUNISTA Cinese di attuare "riforme di mercato neo-liberali" e di «abbandonare le politiche economiche guidate dallo Stato» 🤣

😂 A parte il fatto che tutto ciò è molto divertente, ma proprio al Compagno He Lifeng, Direttore della "中国新左派" - l'Agenzia di Pianificazione Macro-Economica della Cina dal 2017 al 2023, doveva dire queste cose? In pratica, vorrebbe fargli perdere il lavoro! 🤣 美利坚合众国脱离现实 ♨️

🌸 Iscriviti 👉 @collettivoshaoshan

⚠️ THE DOUBLE NATURE OF THE USA TOWARDS CHINA: BOTH AGGRESSORS AND BEGGERS ⚠️

🇺🇸 The USA, towards China, has - essentially - a dual nature: vile aggressors and desperate beggars 🤔

😡 On the one hand, the US paper tigers interfere in China's internal affairs, bankroll the separatism of Tsai Ing-wen's puppet regime, fabricate false evidence on Xinjiang, send planes and warships to the South China Sea, on the other show up in China needing help with their appalling Debt management and long declining economy 😂

🇨🇳 In China, Janet Yellen met with Comrade Li Qiang - Prime Minister of the PRC, and Comrade He Lifeng - Vice-Prime Minister of the PRC and Director of the Central Commission for Financial and Economic Affairs of the Communist Party of China 🚩

🇨🇳 PM Li Qiang said that, for China and the USA, finding the right way to get along, despite the many differences, is important for the future of the world. Cooperation or confrontation? Dialogue or confrontation? Last year, in Bali, President Xi Jinping met President Biden, where he said: «A statesman should think about where his country is leading, and he should know how to get along with others» and proposed to the US the Three Principles for Sino-US Relations:

一 Mutual Respect (相互尊重) 🤝

二 Peaceful Coexistence (和平共处) 🕊

三 Cooperation for Mutual Benefit (合作共赢) 🤝

💬 "Chinese culture values ​​peace above all else, as opposed to hegemony and bullying", Li Qiang reminded Yellen, and China "hopes that the US will adopt a reactionary and pragmatic attitude", to restore relations on the right path 🤩

🌸 Chinese Modernization is an opportunity for the World, even for the USA. Through cooperation, each country can benefit from the fruits of China's development, and the rose petals of 中国春天 can spread everywhere 😍

🇺🇸 Yellen said that the US does not intend to separate or cut supply chains (also because they cannot, having a country that is almost completely de-industrialized), and that they do not intend to hinder China's Modernization process 🤔

😡 Words and words are wind | The US should translate words into concrete actions. They claim that they are not seeking "de-coupling" and that they do not want to hinder Chinese development, but then:

一 They impose unilateral sanctions on Chinese companies 😡

二 They create "small clubs" to try to undermine China's development 😡

🔍 Insight: "US Forces Allies to Target China at IPEF," by Qi Xijia 🇨🇳

🐰 PS: it seems, according to Reuters, that Yellen - during the meeting with He Lifeng - asked the Chinese Communist Party to implement "neo-liberal market reforms" and to "abandon state-led economic policies" 🤣

😂 Aside from the fact that this is all very funny, but just to Comrade He Lifeng, Director of "中国新左派" - China Macro-Economic Planning Agency from 2017 to 2023, did he have to say such things? Basically, he would like to make him lose his job! 🤣 美利坚合众国脱离现实 ♨️

🌸 Subscribe 👉 @collettivoshaoshan

[amrutatbrc1]

Travel And Expense Software Market By Product Type, By Manufacturers, By End-User And Market Trend Analysis Forecast 2033

The travel and expense software global market report 2024from The Business Research Company provides comprehensive market statistics, including global market size, regional shares, competitor market share, detailed segments, trends, and opportunities. This report offers an in-depth analysis of current and future industry scenarios, delivering a complete perspective for thriving in the industrial automation software market.

Travel And Expense Software Market, 2024 report by The Business Research Company offers comprehensive insights into the current state of the market and highlights future growth opportunities.

Market Size - The travel and expense software market size has grown rapidly in recent years. It will grow from $2.71 billion in 2023 to $3.07 billion in 2024 at a compound annual growth rate (CAGR) of 13.5%.  The growth in the historic period can be attributed to increased globalization, rising digital transformation, the rise of remote and distributed workforces, a focus on compliance and risk management, a rise in international visits, and an and an increasing number of mobile users.

The travel and expense software market size is expected to see rapid growth in the next few years. It will grow to $5.18 billion in 2028 at a compound annual growth rate (CAGR) of 13.9%.  The growth in the forecast period can be attributed to an increase in terrorist activities, the growth of experiential travel, increasing online travel agencies, increasing online booking platforms, increasing safety concerns, and increasing focus on digital transformation. Major trends in the forecast period include cloud computing, mobile expense management, artificial intelligence (AI), data analytics, enterprise resource planning, accounting software, real-time expense tracking, AI-powered automation, and predictive analytics.

Order your report now for swift delivery @https://www.thebusinessresearchcompany.com/report/travel-and-expense-software-global-market-report

The Business Research Company's reports encompass a wide range of information, including:

1. Market Size (Historic and Forecast): Analysis of the market's historical performance and projections for future growth.

2. Drivers: Examination of the key factors propelling market growth.

3. Trends: Identification of emerging trends and patterns shaping the market landscape.

4. Key Segments: Breakdown of the market into its primary segments and their respective performance.

5. Focus Regions and Geographies: Insight into the most critical regions and geographical areas influencing the market.

6. Macro Economic Factors: Assessment of broader economic elements impacting the market.

Market Drivers -The rise in tourism is expected to propel the growth of the travel and expense software market going forward. Tourism refers to the activity of people traveling to and staying in places outside their usual environment for leisure, recreation, or business purposes. The rise in tourism is due to rising disposable incomes, improved access to travel information, better transportation, and a growing desire for unique experiences. Travel and expense software can help tour operators streamline their operations by managing expenses related to transportation, accommodation, meals, and other services offered to travelers. For instance, in August 2022, according to the World Travel and Tourism Council, a UK-based organization that represents the travel and tourism industry, the travel and tourism sector experienced substantial growth in 2022, with a contribution of 7.6% to global GDP (gross domestic product), an increase of 22% from 2021. Further, domestic visitor spending demonstrated significant growth, with a remarkable increase of 20.4% in 2022. Moreover, the travel and tourism sector's gross domestic product (GDP) is projected to achieve an average annual growth rate of 5.8% from 2022 to 2032. Therefore, the rise in tourism is driving the growth of the travel management software market.

Market Trends - Revolutionizing Expense Management With Card-Linked Automation  Major companies operating in the travel and expense software market are focused on developing innovative solutions, such as automated expense reporting tools, to enhance overall financial visibility and compliance. An automated expense reporting tool efficiently manages and tracks travel and expense transactions, providing a seamless and user-friendly experience for employees and administrators alike. For instance, in June 2023, Navan Inc., a US-based corporate travel and expense management company, launched Navan Connect, an automated expense management tool. Navan Connect allows companies to link their existing corporate Visa and Mastercard cards to the Navan expense platform. They provide real-time visibility and control over corporate card spending, including the ability to apply company spending policies at the time of purchase. Navan's expense management solution empowers finance teams to gain 360-degree control over travel and expense spend, enhancing business operations while ensuring full context in transactions without requiring a switch of corporate cards.

The travel and expense software market covered in this report is segmented –

1) By Type: Cloud Based, On Premise 2) By Deployment Model:  Subscription, Licensing 3) By Organization Size: Small And Medium Enterprises (SMEs), Large Enterprises 4) By Application: Transportation And Logistics, Government And Defense, Energy And Utilities, Healthcare, Retail, Information Technology (IT) And Telecommunications, Manufacturing, Hospitality, Other Applications

Get an inside scoop of the travel and expense software market, Request now for Sample Report @https://www.thebusinessresearchcompany.com/sample.aspx?id=15484&type=smp

Regional Insights - North America was the largest region in the travel and expense software market in 2023. Asia-Pacific is expected to be the fastest-growing region in the forecast period. The regions covered in the travel and expense software market report are Asia-Pacific, Western Europe, Eastern Europe, North America, South America, Middle East, Africa.

Key Companies - Major companies operating in the travel and expense software market are  International Business Machines Corporation, Oracle Corporation, Expedia Group Inc, Workday Inc, Infor Inc., American Express Global Business Travel, SAP Concur, Zoho Corporation Pvt Ltd., Coupa Software Inc., Xero Limited., AvidXchange Inc., Emburse LLC, Basware Corporation, Expensify Inc., Navan Inc, Certify Inc, Rydoo, Chrome River Technologies, Inc., Deem Inc, Happay, Apptricity Corporation, Journyx Inc, Webexpenses Pty Ltd, DATABASICS Inc., AltexSoft, Oversight Systems Inc, 8Common Limited, SutiSoft Inc, InterplX Expense Management, Empxtrack Inc

Table of Contents 1. Executive Summary 2. Travel And Expense Software Market Report Structure 3. Travel And Expense Software Market Trends And Strategies 4. Travel And Expense Software Market – Macro Economic Scenario 5. Travel And Expense Software Market Size And Growth ….. 27. Travel And Expense Software Market Competitor Landscape And Company Profiles 28. Key Mergers And Acquisitions 29. Future Outlook and Potential Analysis 30. Appendix

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[datainsightspartner-blog]

Global Auto Insurance Market Research Report, Growth Trends and Competitive Analysis 2019-2027

Report Description

A recent market intelligence report that is published by Data Insights Partner on Auto Insurance Market makes an offering of in-depth analysis of segments and sub-segments in the regional and international Auto Insurance Market. The research also emphasizes on the impact of restraints, drivers, and macro indicators on the regional and world Auto Insurance Market over the short as well as long period of time. A detailed presentation of forecast, trends, and dollar values of international Auto Insurance Market is offered. In accordance with the report, the Auto Insurance Market is projected to expand at a CAGR of 6.1% over the period of forecast.

Market Insight, Drivers, Restraints & Opportunity of the Market:

Auto insurance market in the global level is majorly being governed by a handful key market players. In fact, top 10 auto insurance companies used to control more than xx% of the overall auto insurance market. While top ten insurance providing companies insure large number of policies, they do have very noticeable characteristics. While having a look at the current rankings of the topmost auto insurance providers in the global level, most of the companies are easily recognizable because of their national television advertising campaign. Top ten auto insurance companies offer customer claims experience, varied insurance rates & features. Since late 2010, there has been an upsurge in the loss frequency in the auto insurance sector in the United States with the economy being strengthened & more and more drivers started to hit the road, often with smartphone in one or in both hands. The propagation of the smartphones has truly added to, if not very largely driven, increase in the loss frequency in both personal & commercial lines U.S. vehicle sale have been going down throughout 2017, demonstrating an end to a 7 year streak of successive gains. Sales of the U.S. vehicles auto & light trucks in the month of August 2017 were at the volume of 16.44mn units, going down from the volume sales of 17.1mn in the month of July 2017 & from 17.51mn units (-6.1%) a year back. Geographically, Auto Insurance Market is segmented into North America, Europe, Asia Pacific, Middle East, Africa and South America. Premiums from the motor insurance accounted more than 45% of the combined non-life insurance premium in the year 2018. This is estimated to increase in the forecast period, because of the continuously rising demand from the developing nations primarily in Asian continent.

Request for Sample: https://datainsightspartner.com/request-for-sample?ref=https://datainsightspartner.com/report/auto-insurance-market-size-estimation-in-depth-insights-historical-data-price-trend-competitive-market-share-forecast-2019-2027

Segment Covered:

This market intelligence report on the Auto Insurance Market has been segmented by premium type, distribution channel, policy type & region. In terms of the premium type, Auto Insurance Market has been segregated into commercial insurance premium & personal insurance premium. In terms of the distribution channel, Auto Insurance Market has been segregated into online & broker house or agency. In terms of the policy type, Auto Insurance Market has been segregated into Comprehensive, Third-party Fire and Theft and Third-party Liability. The emergence of autonomous vehicles, connected devices, and the possibility of insurer substitution by OEMs, alongside demand for the sharing economy, poses a real threat to the modus operandi of auto insurance. The transition toward complete autonomy and the uncertainty surrounding responsibility for losses could result in reserving chaos. The shift toward autonomous vehicles and connected devices and the emergence of OEM-provided insurance may create an existential threat to insurers as liability shifts from drivers to manufacturers and programmers. With this shift, demand for product and cyber liability insurance coverage is forecast to increase in the medium to long term to comprise 57% of overall auto losses by 2050. In the short term, distracted driving and improvements in U.S. economic fundamentals have resulted in greater accident rates, causing auto insurance losses to spike. In addition, prior-year loss reserve development trends indicate potential reserve deficiencies in auto liability segments. Rate increases are now offsetting these trends and the margins of top-tier carriers should improve through 2017 and beyond—all else being equal.

Profiling of Market Players:

This business intelligence report offers profiling of reputed companies that are operating in the market. Companies such as include Allianz SE, AXA Insurance, The Allstate Corporation, Assicurazioni Generali S.p.A., American International Group, Zurich Insurance Group Ltd., Berkshire Hathaway, Munich Re, Prudential plc, & China Life Insurance Group among others. Contracts for design, installation, supply & agreements was the commonly implemented strategy by the major players in the Auto Insurance Market in between 2015 to 2018. Moreover, parameters such as Auto Insurance Market related investment & spending and developments by major players of the market are tracked in this global report. GEICO Company’s long-held acquisition strategy is to acquire businesses that have consistent earning power, good returns on equity and able and honest management. Financial results attributable to business acquisitions are included in company’s Consolidated Financial Statements beginning on their respective acquisition dates

Rank (Top Ten Largest Auto Insurance Companies of 2019)

Auto Insurance Company

Premiums Written ($bn)

Market Share

1

State Farm

XX

XX %

2

GEICO

XX

XX %

3

Progressive

XX

XX %

4

Allstate

XX

XX %

5

USAA

XX

XX %

6

Liberty Mutual

XX

XX %

7

Farmers

XX

XX %

8

Nationwide

XX

3%

9

Travelers

XX

2%

10

American Family

XX

2%

Report Highlights:

In-depth analysis of the micro and macro indicators, market trends, and forecasts of demand is offered by this business intelligence report. Furthermore, the report offers a vivid picture of the factors that are steering and restraining the growth of this market across all geographical segments. In addition to that, IGR-Growth Matrix analysis is also provided in the report so as to share insight of the investment areas that new or existing market players can take into consideration. Various analytical tools such as DRO analysis, Porter's five forces analysis has been used in this report to present a clear picture of the market. The study focuses on the present market trends and provides market forecast from the year 2019-2027. Emerging trends that would shape the market demand in the years to come have been highlighted in this report. A competitive analysis in each of the geographical segments gives an insight into market share of the global players.

Salient Features:

Ø This study offers comprehensive yet detailed analysis of the Auto Insurance Market, size of the market (US$ Bn), and Compound Annual Growth Rate (CAGR (%)) for the period of forecast: 2019 – 2027, taking into account 2017 as the base year

Ø It explains upcoming revenue opportunities across various market segments and attractive matrix of investment proposition for the said market

Ø This market intelligence report also offers pivotal insights about various market opportunities, restraints, drivers, launch of new products, competitive market strategies of leading market players, emerging market trends, and regional outlook

Ø Profiling of key market players in the world Auto Insurance Market is done by taking into account various parameters such as company strategies, distribution strategies, product portfolio, financial performance, key developments, geographical presence, and company overview

Ø Leading market players covered this report comprise names such as Allianz SE , AXA Insurance, The Allstate Corporation , Assicurazioni Generali S.p.A., American International Group, Zurich Insurance Group Ltd., Berkshire Hathaway, Munich Re, Prudential plc., & China Life Insurance Group

Ø The data of this report would allow management authorities and marketers of companies alike to take informed decision when it comes to launch of products, government initiatives, marketing tactics and expansion, and technical up gradation

Ø The world market for Auto Insurance Market caters to the needs of various stakeholders pertaining to this industry, namely suppliers, product manufacturers, investors, and distributors for Auto Insurance Market. The research also caters to the rising needs of consulting and research firms, financial analysts, and new market entrants

Ø Research methodologies that have been adopted for the purpose of this study have been clearly elaborated so as to facilitate better understanding of the reports

Ø Reports have been made based on the guidelines as mandated by General Data Protection Regulation

Ø Ample number of examples and case studies have been taken into consideration before coming to a conclusion

Reasons to buy:

v Identify opportunities and plan strategies by having a strong understanding of the investment opportunities in the Auto Insurance Market

v Identification of key factors driving investment opportunities in the Auto Insurance Market Facilitate decision-making based on strong historic and forecast data

v Position yourself to gain the maximum advantage of the industry’s growth potential

v Develop strategies based on the latest regulatory events

v Identify key partners and business development avenues

v Respond to your competitors’ business structure, strategy and prospects

v Identify key strengths and weaknesses of important market participants

[iconew2018-blog]

Trade The News - Profiting From Trading With Low Latency News Feeds

Experienced traders identify the effects of global changes about Foreign Exchange (Forex/FX) markets, stock markets and futures markets. Factors such as interest rate decisions, inflation, retail sales, unemployment, industrial productions, consumer confidence surveys, business sentiment surveys, trade balance and manufacturing surveys impact currency movement. While traders could monitor this information manually using traditional news sources, profiting from automated or algorithmic trading utilizing low latency news feeds is an often more predictable and effective trading method that can increase profitability while reducing risk.

The faster a trader can receive economic news, analyze the data, make decisions, apply risk management models and execute trades, the more lucrative they can become. Automated traders are generally more successful than manual traders because the automation will use a tested rules-based trading strategy that employs money management and risk management techniques. The strategy will process trends, analyze data and execute trades faster than a human with no emotion. In order to take advantage of the low latency news feeds it is essential to have the right low latency news feed provider, have a proper trading strategy and the correct network infrastructure to ensure the quickest possible latency to the news source in order to beat the competition on order entries and fills or execution.

How Do Low Latency News Feeds Work?

Low latency news feeds provide key economic data to sophisticated market participants for whom speed is definitely a top priority. While the rest of the world receives economic news through aggregated news feeds, bureau services or mass media such as news web sites, television or radio low latency news traders count on lightning fast delivery of key financial releases. These include jobs numbers, inflation data, and developing indexes, from the Bureau of Labor Statistics straight, Commerce Division, and the Treasury Press Space in a machine-readable feed that's optimized for algorithmic investors.

One technique of controlling the launch of news can be an embargo. Following the embargo can be lifted for information event, reporters enter the launch data into electronic file format which is distributed in a proprietary binary file format immediately. The info is sent over personal networks to many distribution points near different large cities all over the world. In order to have the information data as feasible quickly, it is essential a trader make use of a valid low latency information provider which has invested seriously in technology infrastructure. Embargoed data can be requested by a resource not to be released before a particular date and period or unless certain circumstances have already been met. The press is given advanced see in order to plan the release.

News agencies likewise have reporters in sealed Authorities press rooms throughout a defined lock-up period. Lock-up data intervals simply regulate the launch of most news data to ensure that every news store releases it concurrently. This is often done in two methods: "Finger push" and " Change Release" are accustomed to regulate the release.

News feeds feature corporate and financial news that influence trading activity worldwide. Economic indicators are accustomed to facilitate trading decisions. The news headlines is usually fed into an algorithm that parses, consolidates, analyzes and makes trading suggestions centered when the news headlines. The algorithms can filtration system the news, create help and indicators investors make split-second preferences in order to avoid substantial losses.

Automated software trading programs allow faster trading decisions. Decisions manufactured in microseconds might mean a sizeable edge on the market.

News is an excellent indicator of the volatility of market and if you trade the information, opportunities shall present themselves. Traders have a tendency to overreact whenever a news record is normally released, and under-react when there is quite little information. Machine readable information provides traditional data through archives that allow traders to back check price movements against particular economical indicators.

Each national country releases important financial news during certain times of the day. Advanced investors analyze and execute trades nearly when the announcement is manufactured instantaneously. Instantaneous analysis is manufactured feasible through automated trading with low latency information feed. Automated trading can play a role of a trader's risk administration and loss avoidance technique. With automated trading, traditional back algorithms and exams are utilized to choose optimum entry and exit factors.

Traders got to know when the data will be released to learn when to monitor the marketplace. For instance, important financial data in the usa is released between 8: 30 AM and 10: 00 AM EST. Canada releases information between 7: 00 AM and 8: 30 AM. Since currencies span the world, traders may look for a market that is open and ready for trading always.

A SAMPLE of Main Economic Indicators Consumer Price Index Employment Cost Index Employment Situation Producer Price Index Productivity and Costs Real Earnings U. S. Export and import Prices Employment + Unemployment

Where Do You Put Your Servers? Essential Geographic Places for algorithmic trading Strategies

Nearly all investors that trade the news headlines seek to possess their algorithmic trading platforms hosted as close as possible to news source and the execution venue as possible. General distribution places for low latency information feed suppliers include globally: NY, Washington DC, London and chicago.

The ideal places to put your servers are in well-connected datacenters that permit you to directly join your network or servers to the actually news feed source and execution venue. There has to be a balance of distance and between both latency. You should be close more than enough to the news headlines in order to do something about the releases nevertheless, close more than enough to the broker or exchange to really get your purchase in prior to the masses looking to find the best fill.

Low News Feed Providers Latency

Thomson Reuters uses proprietary, state of the innovative art technology to produce a low latency news feed. The news feed is made for applications and is machine readable particularly. Streaming XML broadcast can be used to produce full text message and metadata to make sure that investors hardly ever miss an event.

Another Thomson Reuters information feed features macro- financial events, organic disasters and violence in the national country. An evaluation of the news headlines is released. Whenever a threshold is normally reached by the category, the investor's trading and risk administration program is notified to result in an access or exit stage from the marketplace. Thomson Reuters includes an unique advantage on global news in comparison to other suppliers being probably the most respected business news organizations in the globe if not the esteemed outside of america. They have the benefit of including global Reuters News with their feed furthermore to third-party newswires and Economic data for both USA and Europe. The University of Michigan Study of Customers report is another main news event and releases data twice regular also. Thomson Reuters has exceptional mass media rights to The University of Michigan data.

Various other low latency news suppliers include: Have to know News, Dow Jones News and Rapidata which we will discuss if they make details regarding their services even more available further.

Types of News Affecting the Markets

A news feed might indicate a noticeable alter in the unemployment price. With regard to the scenario, unemployment prices shall present a positive change. Historical analysis may present that the change isn't because of seasonal effects. News feeds show that buyer confidence is increasing due the decrease in unemployment rates. Reports provide a strong indication that the unemployment rate will remain low.

With this information, analysis may indicate that traders should short the USD. The algorithm may determine that the USD/JPY pair would yield the most profits. An automatic trade would be executed when the target is reached, and the trade will be on auto-pilot until completion.

The dollar could continue to fall despite reports of unemployment improvement provided from the news feed. Investors must keep in mind that multiple factors affect the movement of the United States Dollar. The unemployment rate may drop, but the overall economy may not improve. If larger investors do not change their perception of the dollar, then the dollar may continue to fall.

The big players will typically make their options prior to most of the retail or smaller traders. Big player options may affect the market in an unexpected way. If the decision is made on only information from the unemployment, the assumption will be incorrect. Non-directional biassumes that any major news about a country will create a trading opportunity. Directional-bias trading accounts for all possible economic indicators including responses from major market players.

Trading The News - The Bottom Line

News moves the markets and if you trade the news, you can capitalize. There are very few of us that can argue against that fact. There is no doubt that the trader receiving news data ahead of the curve has the edge on getting a solid short-term trade on momentum trade in various markets whether FX, Equities or Futures. The price of low latency infrastructure offers dropped over the past few years making it possible to subscribe to a low latency news feed and receive the data from the source giving a tremendous edge over traders watching television, the Internet, radio or standard news feeds. In a market driven by large banks and hedge funds, low latency news feeds certainly give the big company edge to even individual traders .

Get to know more about ICO News

[monday2econlive]

Gasoline Prices

Kenley Nguyen (11728329)

Discussion: Monday 2PM

Recently the price of gasoline has skyrocketed to new highs. That got me wondering why gas has almost doubled across the country since the last few months. This is massive compared to other countries like Britain and Australia whose prices only raised by around 20%.

Supply and Demand

Many news channels say that recent price hikes can be attributed to the oil sanctions with Russia, but according to the US Energy Information Administration, the U.S only receives 2% of its total oil from Russia. This figure is rather insignificant, but in addition to a sudden 10% increase in the demand for oil from people coming back to the office and from resuming other activities after the pandemic, restrictions have loosened. This sudden increase in demand will not be met with an increase in supply though because OPEC and many American oil rigs have decided to not ramp up production in uncertain times as they fear that demand might suddenly drop again leading to lost profits. This is understandable as during the pandemic oil futures went into the negatives. In addition, OPEC has decided in April 2020 to lower their oil production as a response to the pandemic this was announced in response to the negative oil futures to recuperate the lost profits during this time by artificially increasing the price of oil. On a supply and demand level, a decrease in supply and an increase in demand would tell anybody that prices will absolutely go up.

The Pressure to go Green 

The government has decided that it is in the nation's best interest to go green. This entails taxing negative externalities such as gasoline to reach a social optimum. The Environmental Protection Agency (EPA) is the agency that enforces a lot of environmental standards and one of the standards is called the Renewable Fuel Standard. This standard currently requires gasoline manufacturers to sell 36 billion gallons of renewable fuel a year, this amount increases every year. This renewable fuel is usually blended with normal gasoline in order to make the quota making renewable fuels a complementary good. The problem here is that renewable fuel is generally made from heavily subsidized corn and due to the recent increase in corn prices the price of oil naturally increased. In addition, the president of the united states has announced plans to go fully electric by the year 2035 and has additionally raised the electric vehicle credit to $12500. These factors have caused investors to start pulling their investments in oil companies and have demanded oil companies to give a higher return on investment either through dividends or buy back their stock. This has stunted the growth of oil companies in the U.S. In addition, oil refineries have started to switch their refineries to start making summer-grade gasoline that is more costly but is better environmentally. 

Macro-Economic Pressures

During the pandemic, the federal reserve heavily invested in corporate bonds in order to stimulate the economy as well as lowered interest rates to near 0 in order to get the United States out of a recession. This buying has increased the overall money supply in the economy which in turn increases inflation and lower interest rates boost production which improves America’s GDP but also increases the inflation rate. This increase in money supply has made money less valuable overall and has increased the prices of practically all goods. However, food and energy are not reported in inflationary calculations due to their volatility, their prices have increased by almost double over the past few months. In addition, the federal reserve has started increasing the interest rates causing less investment and spending which lowers the incentive for oil companies to grow.

Inelastic and Oligopolistic Nature of Gasoline

Due to a vaccine being readily available and many workplaces forcing their staff to come back to the office, there was a sudden increase in the demand for gasoline. Gasoline is also generally inelastic due to people needing this precious resource in order to travel from place to place. The increase in demand coupled with the decrease in supply has caused prices to go up. In addition, due to the inelastic nature of gasoline oil refineries and the oligopolistic nature of refineries, especially in California, the refineries can up charge for their services to maximize their profits, and any increase in cost they occur they directly pass it on to consumers. This causes gasoline prices to skyrocket as consumers have to pay this increased cost while oil refineries such as Chevron reports record profits.

[intothenoise]

Palestinians Face Massive Cuts in Economic Aid: Who Suffers?

(This post was originally published as part of IMES’ Regional Brief for October 2018, written by Jesse Wheeler)

News

The United States government recently announced dramatic cuts in economic aid for Palestinians. In January, the administration announced a $65 million cut in funding to the United Nations Relief and Works Agency (UNWRA), eventually withholding $305 million in aid. This past month, however, the administration confirmed a decision to slash all remaining US financial support for UNWRA, one week after cutting over $200 million in direct humanitarian aid. Likewise, $25 million was cut from Jerusalem hospitals focused on providing healthcare services otherwise unavailable to Palestinians, while most recently it was announced that the US will cut all funding for community-based peacebuilding initiatives.

Established in 1949, UNRWA is responsible for education, healthcare, food and emergency assistance, and refugee camp infrastructure for Palestinian refugees. In addition to East Jerusalem, The West Bank, and Gaza, the agency operates throughout Jordan, Lebanon, and Syria. In response to the cuts, UNWRA has already begun laying off employees and suspending programs.

Analysis

There exist multiple lenses through which one can examine such a policy. Officially, the cuts serve as an incentive to draw Palestinians back to the negotiating table with Israel. US Presidential Advisor Jared Kushner is on record as saying, “that ending the assistance outright could strengthen his negotiating hand,” while Palestinian diplomat Hanan Ashrawi describes US leadership as “demonstrating the use of cheap blackmail as a political tool.”

Cuts are being viewed by others, however, as the execution of long-standing Israeli aggression against the Palestinians by means of its US allies. Netanyahu, for example, has long advocated for the elimination of UNRWA. In this analysis, the cuts represent an attempt to sideline the refugee crisis, and with it the “right of return.” These, however, are core Palestinian grievances central to the conflict’s long-term intractability. In this view, what the Israelis and their American benefactors desire is not peace but acquiescence.

Meanwhile, others view the cuts as representing an intentional attempt by the US Administration to destabilize and dismantle the post-World War international system, using the Palestine-Israel conflict as a “testbed for Trump’s plan to tear up the rules-based international order.” A more critical perspective argues that the current administration is simply “blowing the lid off” an already a farcical pretense of a peace process. By making explicit that which was up till now implicit, the US reveals too much of its hand and therefore ability to exert leverage. And the fallout, it is argued, could actually be of significant advantage to the Palestinian national movement.

For our part, IMES approaches the situation by taking seriously the plight of those most vulnerable, regardless which side might ultimately benefit. Essentially, how do these policies affect those on the ground? Who suffers?

Theological and Missiological Reflections

The simple reality is that Palestinian refugees comprise one of the most vulnerable populations on earth. It is they who suffer as they lose access to education, health care and humanitarian aid. Our moral and ethical obligation as followers of Christ, however, is to ask how “ordinary” persons are affected by macro-scale policies, regardless the political justification. We must think of the young girl whose teacher stops receiving a paycheck, the cancer patient losing his only access to health care, and to the family of five no longer able to collect food rations.

Ultimately, it must be asked what responsibility local churches might have in supporting those in distress. Surely the right of someone to live with dignity does not negate his or her right to return home, nor absolve those ultimately responsible. Likewise, in thinking about what responsibility the global Church might have toward Palestinian refugees, I can’t help but recall here the words of Jesus:

40 “The King will reply, ‘Truly I tell you, whatever you did for one of the least of these brothers and sisters of mine, you did for me.’

41 “Then he will say to those on his left, ‘Depart from me, you who are cursed, into the eternal fire prepared for the devil and his angels. 42 For I was hungry and you gave me nothing to eat, I was thirsty and you gave me nothing to drink, 43 I was a stranger and you did not invite me in, I needed clothes and you did not clothe me, I was sick and in prison and you did not look after me.’

44 “They also will answer, ‘Lord, when did we see you hungry or thirsty or a stranger or needing clothes or sick or in prison, and did not help you?’

45 “He will reply, ‘Truly I tell you, whatever you did not do for one of the least of these, you did not do for me’ (Matthew 25: 40-45, NIV).