RICKROLL returns with Rick Astley’s new AAA Insurance ad

Insurance

By

Richard Meier

-

September 6, 2022

0

RICKROLL returns with Rick Astley’s new AAA Insurance ad

After 35 years and becoming one of the first viral videos, Rick Astley recreates his Never Gonna Give You Up music video in a Rickrolling promotion partnered with the CSAA Insurance Group.

Rick Astley partners with the CSAA Insurance Group for a viral marketing promotion, recreating the Never Gonna Give You Up music video. (Images: Rick Astley/CSAA Insurance Group)

Debuting in 1987, Rick Astley’s Never Gonna Give You Up was an undeniable success. Aside from topping sales charts, the pop song and video was a fixture on MTV. But it truly became famous (or infamous) during the early years of the internet through what has become known as Rickrolling.

Now, the new CSAA Insurance Group is banking on nostalgia and Astley’s internet footprint to help celebrate the company’s 100-year legacy.

QUICKTAKE: View the short-form version of this news or swipe up to keep reading.

You know the rules

Rickroll (or Rickrolling) became one of the earliest forms of viral marketing. During the early days of the internet becoming mainstream, people could receive an email attachment or link that would direct to the Never Gonna Give You Up music video, either in full or in part. This can be at times amusing to annoying, but it has become an indelible part of the modern pop culture.

Rickroll-Rick-Astley-Never-Gonna-Give-You-Up-Ad-viral — The AAA Insurance ad collaboration with Rick Astley is available on YouTube, as well as a QR Code for mobile devices.

By itself, Never Gonna Give You Up was a chart-topping single for Rick Astley in 1987. Earning spots on the Billboard Top 100 for the U.K. and the U.S., the song helped power Astley’s “Whenever You Need Somebody” album to its 15 million sales figure worldwide during its initial run.

However, becoming the central component of the Rickroll prank is probably what it has become best known for, to which Astley himself acknowledges and appreciates.

The multi-awarded singer and songwriter had this to say about recreating the famous Never Gonna Give You Up video:

Paying homage to my video for the AAA Insurance commercial — from the set to the wardrobe — has been an amazing trip down memory lane. The song has been so good to me, and I’m thrilled to be working with another iconic brand that has certainly stood the test of time.

In addition to being available on YouTube, there are also QR codes in partnership with the CSAA Insurance Group that can be scanned to trigger the video. The QR code includes a hairdo made famous by Astley during his heyday in the 1980s.

https://t.co/PaDYCT8tvw pic.twitter.com/Ya6Ha53XIv

— CSAA Insurance Group (@CSAAInsuranceGp) August 15, 2022

The “InsurAAAnce” ad featuring the legendary Rick Astley runs 1 minute and 4 seconds. It features new footage of the music artist recreating scenes from the original 1987 music video of Never Gonna Give You Up. Plus, it cleverly connects the lyrics with a checklist of what the CSAA offers its customers.

As the tagline for the ad goes:

Our legendary service is never gonna let you down… you can start saving today on auto and home coverage that would never run around and desert you. Because with 100 years of experience, InsurAAAnce is no stranger to love or exceptional service.

Executive vice president of Customer Service and Marketing for the CSAA Insurance Group Linda Goldstein had this to say about the collaboration with Astley:

We are thrilled to partner with Rick Astley to not only revisit the joy of his video, but amplify the incredible value that our customers receive with InsurAAAnce. And clearly, the indelible lyrics of Never Gonna Give You Up are one of the best ways we can share that message.

Marvel’s Guardians of the Galaxy

This is not the first time that Rickrolling has been revived. Just last year, Marvel’s Guardians of the Galaxy game featured its own Rickroll within the course of play.

Rickroll-Rick-Astley-Never-Gonna-Give-You-Up-Ad-gotcha — Rickrolling has even reached the far reaches of outer space in the Marvel’s Guardians of the Galaxy game from Square Enix.

The Rickrolling segment took streamers DrLupo, PaladinAmber, and DanTDM by surprise during gameplay, believing it to be a prank. However, it is an official part of the game with Rick Astley himself appearing in the ad.

Square Enix added Never Gonna Give You Up in Marvel’s Guardians of the Galaxy as a nod to how the song and the video is one of the first and most widespread memes since the early days of the internet. The fact that the character of Star-Lord listens to his retro playlist of 1980s hits on a Walkman provided the perfect opportunity to include the Rickrolling in the Guardians of the Galaxy game as a cool Easter egg.

As of this date, the Rick Astley Never Gonna Give You Up official music video on YouTube has been viewed over 1.27 billion times.

https://www.xfire.com/rickroll-rick-astley-never-gonna-give-you-up-ad/

Pakistan Finance Chief Wants Nation to Live Within Its Means

Finance

By

Richard Meier

-

September 4, 2022

0

Pakistan Finance Chief Wants Nation to Live Within Its Means

(Bloomberg) — Pakistan’s finance minister wants to break a boom-and-bust cycle that’s played out for decades, and help the nation to finally learn to live within its means.

Trump’s former accounting firm to turn over financial documents to House Democrats

Accounting

By

Richard Meier

-

September 2, 2022

0

Trump’s former accounting firm to turn over financial documents to House Democrats

House Oversight and Reform Committee Chair Carolyn Maloney said Thursday that the panel reached an agreement with former President Donald Trump and his ex-accounting firm, Mazars USA, to obtain his financial records, putting an end to years of litigation.

“After facing years of delay tactics, the committee has now reached an agreement with the former president and his accounting firm, Mazars USA, to obtain critical documents,” Maloney, D-N.Y., said in a statement Thursday. “These documents will inform the committee’s efforts to get to the bottom of former President Trump’s egregious conduct and ensure that future presidents do not abuse their position of power for personal gain.”

Under the leadership of the late Rep. Elijah Cummings, D-Md., the committee initially issued a subpoena to Mazars in April 2019. Lawyers for Trump and the Trump Organization swiftly sued Cummings to block the subpoena for years of financial records from several Trump entities. The subpoena expired with the new Congress.

Last year, Maloney reissued a subpoena to Mazars related to the committee’s investigations into potential presidential conflicts of interest. In July, a federal appeals court ruled that the committee has the authority to get some of the records, but it limited the scope of what it can seek.

Mazars said in a statement to NBC News that it could not comment on the agreement.

“Due to our industry’s professional obligations, Mazars cannot discuss any clients — current or former, the status of our relationships, or the nature of our services in a public forum without client consent or as required by law,” the company said. “We remain committed to fulfilling all of our professional and legal obligations.”

The Trump Organization did not respond to a request for comment.

Trump’s tax returns and underlying tax documents were turned over to Manhattan District Attorney Cyrus Vance last year. That subpoena for the tax documents from Mazars was enforced after the Supreme Court declined in a separate case to stop their production following an emergency application from Trump’s attorneys. Under New York state law, materials turned over to a grand jury must be kept secret.

Mazars said this year that it would no longer work with the Trump Organization in a letter made public by New York Attorney General Letitia James as part of her civil probe into the company. In its letter, Mazars said a decade’s worth of statements from the Trump Organization could no longer “be relied upon.”

Haley Talbot contributed.

https://www.nbcnews.com/politics/donald-trump/trumps-former-accounting-firm-turn-documents-house-democrats-rcna45858

Old Republic International: Risks In Title Insurance Segment (NYSE:ORI)

Insurance

By

Richard Meier

-

September 2, 2022

0

Old Republic International: Risks In Title Insurance Segment (NYSE:ORI)

ferrantraite/E+ via Getty Images

Introduction

Old Republic International Corporation (NYSE:ORI) showed a mixed performance as general insurance net premiums and fees increased 9%, but title insurance revenue declined 7% year-over-year over the previous quarter. No growth in premiums and fees was recorded on a consolidated basis.

The stock has performed well over the past 20 years. But, the stock has shown more volatility than the S&P500 and now lags somewhat behind the 20-year total return of the S&P500.

With high inflation rates and rising interest rates, the insurance industry should be doing well. In times of high inflation, investors prefer real assets because they tend to increase in value. But with recent articles citing home sales crashing faster than the bursting of the 2005 housing bubble, things wouldn’t look rosy for the title segment.

The general insurance segment should do well in the coming years, but the title insurance segment will decline. Because this mix makes it unclear what earnings per share will be in the coming years, ORI stock is a hold.

About the Company

Old Republic International underwrites insurance in the United States and Canada under three segments: General Insurance, Title Insurance, and the Republic Financial Indemnity Group Run-off Business. The company is originated from 1923, and based in Chicago, Illinois.

The General Insurance offers products such as automobile extended warranty insurance, aviation, commercial automobile insurance, inland marine, travel accident, workers’ compensation, financial indemnity, et cetera. General Insurance segment compromises approximately 48% of the consolidated net premiums and fees received.

The Title Insurance business offers policies to real estate purchasers and investors. In addition to title insurance, the company provides escrow closing and construction disbursement services, but also real estate information products, national default management services and other services related to real estate transfers and loan transactions. Title Insurance represents approximately 52% of the consolidated net premiums and fees received.

The Republic Financial Indemnity Group Run-off Business provides mortgage insurance coverage. The coverage protects mortgage lenders and investors from default related losses on residential mortgage loans. This segment contributes to a small portion of consolidated revenue.

The Housing Market Is In A Bubble

The housing market is in a bubble. The ratio between average house prices and the consumer price index has never been higher. This is seen in the Case-Shiller Home Price to CPI Ratio below.

Case-Shiller Home Price to CPI Ratio - longtermtrends.net — Case-Shiller Home Price to CPI Ratio (longtermtrends.net)

The 2008 housing crisis is marked at a ratio of 0.9, which is lower than the current quote of 1.03. This indicates that house prices are expensive compared to the price of the package of everyday goods and services. I expect both house prices and CPI to be corrected. Inflation will remain high and house prices will fall. The sharp rise in interest rates will contribute to this.

Chris Puplava’s recent article described the following:

Existing home sales continued their historic plunge in July to reach the lowest level in 7 years outside of COVID, down roughly 1.7 million home sales in just the last six months.

If demand falls and interest rates rise, house prices will soon fall. This is very detrimental to the title insurance segment.

Revenue and Earnings Per Share Will Fall

The second quarter showed strong results for the general insurance segment. Net premiums written grew 8.8% year over year. On the other hand, the title insurance segment revenue was down 7.1%. This is a harbinger of what is to come. Consolidated revenue was the same as last year. The general insurance segment is thriving amid rising interest rates, while the title segment is experiencing difficulties due to the expected decline in refinancing volumes. A possible fall in house prices will further deteriorate earnings for the title segment. Overall, analysts expect revenue to fall -16% in FY22 and -6% in FY23.

ORI Revenue - Seeking Alpha — ORI Revenue (Seeking Alpha)

Net written premiums and fees are invested in a bond portfolio that provides a stable income stream. The value of bonds usually falls when interest rates rise, but that’s not a problem for Old Republic because they’re held until maturity. Non-GAAP EPS is expected to decline -17% in FY22 and -2% in FY23.

ORI's EPS - SA — ORI’s EPS (Seeking Alpha)

The mix between general and title insurance is well suited to offset potential declines in the title insurance segment. But this offers no value in times of falling house prices and falling home sales. The stock has already risen from its low in May. What about its valuation?

Stock Valuation

The P/E ratio shoots to infinity around the coronavirus crisis and during the 2007-2008 financial crisis. That is why I have taken two charts, which exclude these periods.

The start of the first chart starts on September 2020. The P/E ratio dropped from 16 to 4. Currently, the P/E ratio stands at 7.6.

In the period from mid-2013 to mid-2019, the average P/E ratio was 12. During this period, inflation was at a normal level and there was no recession. From 2015, U.S. interest rates rose gradually, after which the P/E ratio fell, as can be seen in the following chart.

The current P/E ratio of 7.6 is lower than the average P/E ratio over the period mid-2013 to mid-2019. This makes the stock appear undervalued. Given the mixed outlook, I’ll wait until the Federal Reserve stabilizes U.S. interest rates and when the housing market shows good prospects before buying the stock.

Conclusion

Old Republic International underwrites insurance in the United States and Canada under three segments: General Insurance, Title Insurance, and the Republic Financial Indemnity Group Run-off Business.

The net written premiums are invested in bonds, which in turn generate more profit at higher interest rates. The bonds fall in value when interest rates rise, but that is not a problem because they are held until maturity. The general insurance segment comprises approximately 48% of the consolidated net premiums and benefits received.

With house prices at record levels, rising interest rates and falling transactions, this is a perfect storm for a fall in house prices. Falling home prices and few transactions are hurting Old Republic’s property insurance segment. Due to the mix between growth in the general insurance segment and decline in the title segment, it is unclear what the earnings per share will do in the coming years.

The stock has historically been attractively valued, but if there are no growth catalysts, the stock will show little movement in the coming years. The stock is a hold.

https://seekingalpha.com/article/4536220-old-republic-international-risks-in-title-insurance-segment

Dispersant Market Size 2022 : long-term Calculated Business Plan by Recognizing Shifting Trends up to 2028 | 111 Report Pages

Business

By

Richard Meier

-

September 1, 2022

0

Dispersant Market Size 2022 : long-term Calculated Business Plan by Recognizing Shifting Trends up to 2028 | 111 Report Pages

The MarketWatch News Department was not involved in the creation of this content.

Aug 28, 2022 (The Expresswire) —
“”Dispersant Market“” Insights 2022 : According to our (Market Growth Report) latest study, the Dispersant market size is USD million in 2022 from USD 6590.8 million in 2021, with a change of % between 2021 and 2022. The Dispersant market size will reach USD 7432.8 million in 2028, growing at a CAGR of 1.7% over the analysis period. By Applications ( Suspension, Colloid, Solution, Powder), By Types ( Altana, Arkema Group, Ashland, Basf, Chryso, Clariant, Croda International, Cytec Industries, Elementis, Emerald Performance Materials, Evonik Industries, Gruppo Chimico Dalton, King Industries, The Lubrizol, Meadwestvaco, Rudolf, DuPont), Regions and Forecast to 2028, the Dispersant Market Report Contains111pages Including Full TOC, Tables and Figures, and Chart with In-depth Analysis Pre and Post COVID-19 Market Outbreak Impact Analysis and Situation by Region.

The Global Dispersant market is anticipated to rise at a considerable rate during the forecast period, between 2022 and 2028. In 2021, the market is growing at a steady rate and with the rising adoption of strategies by key players, the market is expected to rise over the projected horizon.

Final Report will add the analysis of the impact of COVID-19 on this industry.

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Moreover, it helps new businesses perform a positive assessment of their business plans because it covers a range of topics market participants must be aware of to remain competitive.

Dispersant Market Report identifies various key players in the market and sheds light on their strategies and collaborations to combat competition. The comprehensive report provides a two-dimensional picture of the market. By knowing the global revenue of manufacturers, the global price of manufacturers, and the production by manufacturers during the forecast period of 2022 to 2028, the reader can identify the footprints of manufacturers in the Dispersant industry.

Get a Sample PDF of report –https://www.marketgrowthreports.com/enquiry/request-sample/19904603

Dispersant Market – Competitive and Segmentation Analysis:

As well as providing an overview of successful marketing strategies, market contributions, and recent developments of leading companies, the report also offers a dashboard overview of leading companies’ past and present performance. Several methodologies and analyses are used in the research report to provide in-depth and accurate information about the Dispersant Market.

The Major players covered in the Dispersant market report are:

● Automotive
● Construction
● Detergents
● Oil and Gas
● Paints and Coatings
● Pulp and Paper
● Agricultures
● Pharmaceuticals
● Others

The current market dossier provides market growth potential, opportunities, drivers, industry-specific challenges and risks market share along with the growth rate of the global Dispersant market. The report also covers monetary and exchange fluctuations, import-export trade, and global market

status in a smooth-tongued pattern. The SWOT analysis, compiled by industry experts, Industry Concentration Ratio and the latest developments for the global Dispersant market share are covered in a statistical way in the form of tables and figures including graphs and charts for easy understanding.

Get a Sample Copy of the Dispersant Market Report 2022

As the global economy mends, the 2021 growth of Dispersant will have significant change from previous year. According to our (Market Growth Report) latest study, the global Dispersant market size is USD million in 2022 from USD 6590.8 million in 2021, with a change of % between 2021 and 2022. The global Dispersant market size will reach USD 7432.8 million in 2028, growing at a CAGR of 1.7% over the analysis period.
The United States Dispersant market is expected at value of USD million in 2021 and grow at approximately % CAGR during review period. China constitutes a % market for the global Dispersant market, reaching USD million by the year 2028. As for the Europe Dispersant landscape, Germany is projected to reach USD million by 2028 trailing a CAGR of % over the forecast period. In APAC, the growth rates of other notable markets (Japan and South Korea) are projected to be at % and % respectively for the next 5-year period.
Global main Dispersant players cover Altana, Arkema Group, Ashland, and Basf, etc. In terms of revenue, the global largest two companies occupy a share nearly % in 2021.
This report presents a comprehensive overview, market shares, and growth opportunities of Dispersant market by product type, application, key manufacturers and key regions and countries.

A thorough evaluation of the restrains included in the report portrays the contrast to drivers and gives room for strategic planning. Factors that overshadow the market growth are pivotal as they can be understood to devise different bends for getting hold of the lucrative opportunities that are present in the ever-growing market. Additionally, insights into market expert’s opinions have been taken to understand the market better.

Report further studies the market development status and future Dispersant Market trend across the world. Also, it splits Dispersant market Segmentation by Type and by Applications to fully and deeply research and reveal market profile and prospects.

On the basis of product typethis report displays the production, revenue, price, market share and growth rate of each type, primarily split into:

● Altana
● Arkema Group
● Ashland
● Basf
● Chryso
● Clariant
● Croda International
● Cytec Industries
● Elementis
● Emerald Performance Materials
● Evonik Industries
● Gruppo Chimico Dalton
● King Industries
● The Lubrizol
● Meadwestvaco
● Rudolf
● DuPont

On the basis of the end users/applicationsthis report focuses on the status and outlook for major applications/end users, consumption (sales), market share and growth rate for each application, including:

● Suspension
● Colloid
● Solution
● Powder

Dispersant Market – Regional Analysis:

Geographically, this report is segmented into several key regions, with sales, revenue, market share and growth Rate of Dispersant in these regions, from 2015 to 2027, covering

● North America (United States, Canada and Mexico) ● Europe (Germany, UK, France, Italy, Russia and Turkey etc.) ● Asia-Pacific (China, Japan, Korea, India, Australia, Indonesia, Thailand, Philippines, Malaysia and Vietnam) ● South America (Brazil, Argentina, Columbia etc.) ● Middle East and Africa (Saudi Arabia, UAE, Egypt, Nigeria and South Africa)

Some of the key questions answered in this report:

● What is the global (North America, Europe, Asia-Pacific, South America, Middle East and Africa) sales value, production value, consumption value, import and export of Dispersant? ● Who are the global key manufacturers of the Dispersant Industry? How is their operating situation (capacity, production, sales, price, cost, gross, and revenue)? ● How the competition goes in the future related to Dispersant? ● Which is the most leading country in the world? ● What are the Dispersant market opportunities and threats faced by the vendors in the global Dispersant Industry? ● Which application/end-user or product type may seek incremental growth prospects? What is the market share of each type and application? ● What focused approach and constraints are holding the Dispersant market? ● What are the different sales, marketing, and distribution channels in the global industry? ● What are the upstream raw materials and manufacturing equipment of Dispersant along with the manufacturing process of Acetonitrile? ● What are the key market trends impacting the growth of the Dispersant market? ● Economic impact on the Dispersant industry and development trend of the Dispersant industry. ● What are the market opportunities, market risk, and market overview of the Dispersant market? ● What are the key drivers, restraints, opportunities, and challenges of the Dispersant market, and how they are expected to impact the market? ● What is the Dispersant market size at the regional and country-level? ● How do you find your target audience?

Our research analysts will help you to get customized details for your report, which can be modified in terms of a specific region, application or any statistical details. In addition, we are always willing to comply with the study, which triangulated with your own data to make the market research more comprehensive in your perspective.

Inquire more and share questions if any before the purchase on this report at –https://www.marketgrowthreports.com/enquiry/pre-order-enquiry/19904603

With tables and figures helping analyse worldwide Global Dispersant market trends, this research provides key statistics on the state of the industry and is a valuable source of guidance and direction for companies and individuals interested in the market.

Detailed TOC of Global Dispersant Market Research Report 2022

1 Scope of the Report
1.1 Market Introduction
1.2 Years Considered
1.3 Research Objectives
1.4 Market Research Methodology
1.5 Research Process and Data Source
1.6 Economic Indicators
1.7 Currency Considered

2 Executive Summary
2.1 World Market Overview
2.1.1 Global Dispersant Annual Sales 2017-2028
2.1.2 World Current and Future Analysis for Dispersant by Geographic Region, 2017, 2022 and 2028
2.1.3 World Current and Future Analysis for Dispersant by Country/Region, 2017, 2022 and 2028
2.2 Dispersant Segment by Type
2.3 Dispersant Sales by Type
2.3.1 Global Dispersant Sales Market Share by Type (2017-2022)
2.3.2 Global Dispersant Revenue and Market Share by Type (2017-2022)
2.3.3 Global Dispersant Sale Price by Type (2017-2022)
2.4 Dispersant Segment by Applications
2.5 Dispersant Sales by Application
2.5.1 Global Dispersant Sale Market Share by Application (2017-2022)
2.5.2 Global Dispersant Revenue and Market Share by Application (2017-2022)
2.5.3 Global Dispersant Sale Price by Application (2017-2022)

3 Global Dispersant by Company
3.1 Global Dispersant Breakdown Data by Company
3.1.1 Global Dispersant Annual Sales by Company (2020-2022)
3.1.2 Global Dispersant Sales Market Share by Company (2020-2022)
3.2 Global Dispersant Annual Revenue by Company (2020-2022)
3.2.1 Global Dispersant Revenue by Company (2020-2022)
3.2.2 Global Dispersant Revenue Market Share by Company (2020-2022)
3.3 Global Dispersant Sale Price by Company
3.4 Key Manufacturers Dispersant Producing Area Distribution, Sales Area, Product Type
3.4.1 Key Manufacturers Dispersant Product Location Distribution
3.4.2 Players Dispersant Products Offered
3.5 Market Concentration Rate Analysis
3.5.1 Competition Landscape Analysis
3.5.2 Concentration Ratio (CR3, CR5 and CR10) and (2020-2022)
3.6 New Products and Potential Entrants
3.7 Mergers and Acquisitions, Expansion

4 World Historic Review for Dispersant by Geographic Region
4.1 World Historic Dispersant Market Size by Geographic Region (2017-2022)
4.1.1 Global Dispersant Annual Sales by Geographic Region (2017-2022)
4.1.2 Global Dispersant Annual Revenue by Geographic Region
4.2 World Historic Dispersant Market Size by Country/Region (2017-2022)
4.2.1 Global Dispersant Annual Sales by Country/Region (2017-2022)
4.2.2 Global Dispersant Annual Revenue by Country/Region
4.3 Americas Dispersant Sales Growth
4.4 APAC Dispersant Sales Growth
4.5 Europe Dispersant Sales Growth
4.6 Middle East and Africa Dispersant Sales Growth

Get a Sample Copy of the Dispersant Market Report 2022

5 Americas
5.1 Americas Dispersant Sales by Country
5.1.1 Americas Dispersant Sales by Country (2017-2022)
5.1.2 Americas Dispersant Revenue by Country (2017-2022)
5.2 Americas Dispersant Sales by Type
5.3 Americas Dispersant Sales by Application
5.4 United States
5.5 Canada
5.6 Mexico
5.7 Brazil

6 APAC
6.1 APAC Dispersant Sales by Region
6.1.1 APAC Dispersant Sales by Region (2017-2022)
6.1.2 APAC Dispersant Revenue by Region (2017-2022)
6.2 APAC Dispersant Sales by Type
6.3 APAC Dispersant Sales by Application
6.4 China
6.5 Japan
6.6 South Korea
6.7 Southeast Asia
6.8 India
6.9 Australia
6.10 China Taiwan

7 Europe
7.1 Europe Dispersant by Country
7.1.1 Europe Dispersant Sales by Country (2017-2022)
7.1.2 Europe Dispersant Revenue by Country (2017-2022)
7.2 Europe Dispersant Sales by Type
7.3 Europe Dispersant Sales by Application
7.4 Germany
7.5 France
7.6 UK
7.7 Italy
7.8 Russia

8 Middle East and Africa
8.1 Middle East and Africa Dispersant by Country
8.1.1 Middle East and Africa Dispersant Sales by Country (2017-2022)
8.1.2 Middle East and Africa Dispersant Revenue by Country (2017-2022)
8.2 Middle East and Africa Dispersant Sales by Type
8.3 Middle East and Africa Dispersant Sales by Application
8.4 Egypt
8.5 South Africa
8.6 Israel
8.7 Turkey
8.8 GCC Countries

9 Market Drivers, Challenges and Trends
9.1 Market Drivers and Growth Opportunities
9.2 Market Challenges and Risks
9.3 Industry Trends

10 Manufacturing Cost Structure Analysis
10.1 Raw Material and Suppliers
10.2 Manufacturing Cost Structure Analysis of Dispersant
10.3 Manufacturing Process Analysis of Dispersant
10.4 Industry Chain Structure of Dispersant

11 Marketing, Distributors and Customer
11.1 Sales Channel
11.1.1 Direct Channels
11.1.2 Indirect Channels
11.2 Dispersant Distributors
11.3 Dispersant Customer

12 World Forecast Review for Dispersant by Geographic Region
12.1 Global Dispersant Market Size Forecast by Region
12.1.1 Global Dispersant Forecast by Region (2023-2028)
12.1.2 Global Dispersant Annual Revenue Forecast by Region (2023-2028)
12.2 Americas Forecast by Country
12.3 APAC Forecast by Region
12.4 Europe Forecast by Country
12.5 Middle East and Africa Forecast by Country
12.6 Global Dispersant Forecast by Type
12.7 Global Dispersant Forecast by Application

13 Key Players Analysis
13.1.1 Company Information
13.1.2 Dispersant Product Offered
13.1.3 Dispersant Sales, Revenue, Price and Gross Margin (2020-2022)
13.1.4 Main Business Overview
13.1.5 Latest Developments

14 Research Findings and Conclusion

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Higher interest rates boost lending margins at TD and CIBC

Banking

By

Richard Meier

-

September 1, 2022

0

Higher interest rates boost lending margins at TD and CIBC

Two of Canada’s largest banks are reaping rewards from higher interest rates as profit margins on loans increased in their fiscal third quarter, though growing economic unease threatens to undercut some of those gains in the near future.

Toronto-Dominion Bank (TD) reported a lower third-quarter profit than in the same period a year ago, partly because of high costs driven by inflation and rising loan-loss provisions. Canadian Imperial Bank of Commerce (CIBC) also saw earnings dip in the quarter, faced with the same headwinds.

But both banks recorded good gains in net interest margins – the difference between what banks charge on loans and pay on deposits. Those profit margins were squeezed in the COVID-19 pandemic as central banks cut interest rates to ultralow levels. But central bankers have rapidly jacked rates up again to fight high inflation, which is allowing lenders to reprice loans and deposits and eke out more profit.

Banks expect margins will continue to increase in the coming quarters, albeit at a slower pace. They also acknowledged, however, that with inflation running high, borrowing costs rising and significant economic uncertainty, demand for new loans – especially residential mortgages – could dip. And banks expect loan defaults will start to creep higher, from unusually low levels.

“If all the forecasts are correct with respect to what will happen in the economy, with the rising rates, with the slowing down a bit of credit demand, you’re going to see a bit of offsetting of those factors,” said Hratch Panossian, CIBC’s chief financial officer, in an interview.

Between expanding margins and cooling demand for credit, however, “we’re confident that net interest income will continue having strong momentum going forward,” he said.

In TD’s U.S. business, the gains were much larger, with margins up 46 basis points year over year to 2.62 per cent. The bank’s heavy focus on retail consumers and commercial clients makes it the most sensitive to interest rates among Canadian lenders, and that has set high expectations for the boost TD will get from rising rates.

“The bar was set very high here and while TD did not leap over it, the bank did gingerly step over it,” said Meny Grauman, an analyst at Scotia Capital Inc., in a note to clients.

Banks are also still expecting a rebound in borrowing on credit cards, which are a high-margin product because they charge high interest rates. Spending levels on cards are back above prepandemic levels, with transaction volumes up 10 per cent year over year at TD and spending levels reaching a new record. But the balance customers carry on those cards is still lower than it was prior to COVID-19. When that borrowing bounces back, it could also help banks’ lending margins.

“We are seeing a lot of pent-up demand,” TD chief financial officer Kelvin Tran said in an interview.

TD earned $3.21-billion, or $1.75 a share, compared with $3.54-billion, or $1.92 a share, in the same quarter last year. But the bank also booked a $678-million accounting loss on a hedging strategy it is using to manage interest-rate risk related to its US$13.4-billion acquisition of U.S.-based bank First Horizon Corp., which is awaiting approvals from regulators.

Adjusting to exclude the hedging costs and other items, TD said it earned $2.09 a share, above the analysts’ consensus estimate of $2.04 a share, according to Refinitiv.

In the same period, CIBC earned $1.67-billion, or $1.78 a share, compared with $1.73-billion, or $1.88 a share, a year earlier. Excluding costs related to CIBC’s acquisition of retailer Costco’s credit card portfolio and other items, the bank said it earned $1.85 a share, whereas analysts expected $1.84 a share.

TD and CIBC joined National Bank of Canada as the three major lenders that have so far met or exceeded analysts’ expectations for the third quarter. Bank of Nova Scotia and Royal Bank of Canada’s profits fell shy of estimates, and Bank of Montreal reports next week.

In most cases, year-over-year profit comparisons have been hampered by increasing loan-loss provisions, weak capital markets results and rising costs. But underlying trends such as growth in loan balances and the health of consumer credit still look strong.

“Results are fairly solid in light of a challenging macroeconomic outlook,” said Rob Colangelo, vice-president and senior credit officer at Moody’s Investors Service, in an interview. “We could see some moderation in loan growth, you could see margins continue to expand. … Overall, the environment still bodes well for the banks.”

Even so, lenders are adopting a more conservative stance by adding provisions for credit losses to build reserves to cover loans that could default. TD added $351-million in provisions in the quarter and CIBC earmarked $243-million. In both cases, some of the increase was driven by changes to economic models that anticipate future problems with loans still being paid back today.

“This quarter, we have updated some of our economic scenarios to be more conservative,” TD’s Mr. Tran said. “There’s a lot of uncertainty in the market and we’re going to have to see how it plays out”

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https://www.theglobeandmail.com/business/article-td-bank-q3-earnings-august-2022/

The need and rise of E&O Insurance in the changing times

Insurance

By

Richard Meier

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September 1, 2022

0

TORONTO, ON, AUGUST 22, 2022/insPRESS/ – As the famous saying goes, ‘Modern problems require modern solutions’, the Insurance industry also has to evolve with the changing times and provide modern solutions to modern businesses. That is where the expertise of Managing General Agents comes into the picture.

The employment in professional services sector is growing rapidly as a result of a huge demand in the country. Professional service providers have always been held to higher standard of care than other business types. This is one of the many reasons why comprehensive insurance coverage for these professionals is so important.

“At CHES Special Risk, we have a broad appetite for a wide range of professional service providers. From event planners and travel agents to technology providers and social media consultants, CHES has creative solutions designed to meet the highly specific needs of a very diverse group of professions.”, mentioned Spencer Denton, Vancouver office Branch Manager, CHES Special Risk.

CHES Special Risk has been able to create a strong team of underwriters in past few years, specializing in E&O insurance and feel this is the right time when they should be looked at a leader in this sector as well apart from the other strong product offerings like Construction, Jewelers Block etc.

“Our package policies can provide not only Errors and Omissions Coverage, but also Commercial General Lability and Cyber coverage as well.”, added Denton.

In today’s ever-changing health and wellness sector, there are constant improvements being made to existing procedures. New treatments are routinely being developed by clinics, spas, and other health service providers to best serve their patients.

“Much like the innovations going on within the industry, at CHES we are also constantly innovating and updating the Medical Malpractice policies to cover these new treatments and keep up with the fast-paced industry.” Said Spencer who is one of the main points of contact for E&O insurance at CHES Special Risk.

Medical malpractice lawsuits result in multimillion dollar pay-outs, thus MedMal insurance coverages are designed to protect from such an unforeseen situation. It covers things like oversights, errors & negligence. In such a situation, a strong professional liability coverage can cover the cost of legal defence or damages.

“We can offer comprehensive package solutions to insureds across the industry with our creative solutions developed for these niche businesses.”, added Denton.

CHES Special Risk Professional liability insurance can provide protection for professionals in a wide range of industries, including:

Fork Lift Consultants
Forestry Consultants
Recruitment Consultants
Business / Management / Training Consultants
Social Media Influencers
Event and Wedding Planners
Photographers
Interior Designer (no structural work)
Funeral Directors
Property Managers
Trade Association
Health & Safety Inspection Service
Non-Destructive Testing
Shipping & Freight Forwarding Consultants
Tour Organizers

“The list is endless, if brokers have clients who provide professional advice or services, our underwriters can help build a tailored policy suitable to them.”, said Gary Hirst, President and CEO, CHES Special Risk.

Visit CHES Special Risk’s website and learn more about their product offering: www.CHESspecialrisk.ca

Brokers can reach out to CHES offices in Toronto, Ottawa and Vancouver at:

[email protected]

ABOUT CHES Special Risk Inc.

CHES Special Risk Inc. was established as a Managing General Agent and Wholesale broker in 2004, in response to broker demand to a hardening marketplace, commencing with a particular specialty in the entertainment and hospitality business, later becoming a fully accredited Lloyd’s cover holder in 2009. CHES Special Risk and Sister Companies are a fully Independent MGA delivering “A” rated capacity both in the hard to place, and standard lines classes and support their retail brokers in growing and developing their businesses.

Additional information regarding CHES Special Risk can be found at: http://www.CHESspecialrisk.ca.

###

If you would like more information about this topic, please call us at 416-452-7850 or email [email protected]

https://www.canadianunderwriter.ca/inspress/the-need-and-rise-of-eo-insurance-in-the-changing-times/

Rand at Risk With S. African Finance Chief’s Fate in Balance

Finance

By

Richard Meier

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September 1, 2022

0

Rand at Risk With S. African Finance Chief’s Fate in Balance

(Bloomberg) — South Africa’s rand faces a fresh challenge amid uncertainty about the fate of Finance Minister Enoch Godongwana, who’s battling allegations of sexual assault and may be forced to step down.

ISB Executive Education to accelerate Professionals’ Digital Growth with Digital Marketing and Analytics with Emeritus

Digital Marketing

By

Richard Meier

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August 30, 2022

0

ISB Executive Education to accelerate Professionals’ Digital Growth with Digital Marketing and Analytics with Emeritus

Mumbai (Maharashtra) [India], August 18 (ANI/BusinessWire India): ISB Executive Education has announced the 11th cohort of its Digital Marketing and Analytics Programme with Emeritus, the global leader in making high-quality education accessible and affordable to individuals and organisations, worldwide.

Taught by ISB faculty, Professor Siddharth S. Singh and Professor Madhu Vishwanathan along with visiting faculty Professor Kiran Pedada, the programme in collaboration with Emeritus enables professionals to become adept at navigating the changing business needs of the digital world.

In today’s digital era, marketing has revolutionized business decisions and is driven by data, scaled through automation, and optimized by analytics, with a greater focus on customer-centricity.

There is a strong demand for skilled professionals in the ever-changing business environment. According to recent reports, the Digital Advertising Market is growing at 29.5 per cent CAGR and is estimated to reach spends of INR 35,809 crore by 2023. Digital marketing has played a prominent role in driving the businesses of brands and is a key component for them in today’s digital era.

The McKinsey Global Institute (MGI) report says that the digital economy can unlock productivity and create 60-65 million new jobs by 2025. The COVID-19 pandemic has further boosted the importance of digital marketing, with businesses across industries and sizes realizing the need for talented marketers who are industry-ready with the evolving digital trends.

The 12-week Digital Marketing Analytics programme by ISB Executive Education, in collaboration with Emeritus, is ideal for mid to senior-level professionals across functions. The intensive programme curriculum is designed to empower professionals with the tools needed to keep abreast of changing business imperatives.

Mohan Kannegal, CEO, India and APAC, Emeritus, said, “Due to recent developments, digital marketing has become quintessential, and corporates are now leveraging digital marketing and analytics to build and manage their brand image, reach wider audiences, and enhance brand visibility. We’ve seen exponential growth in digital marketing compared to traditional marketing techniques. The programme in Digital Marketing and Analytics would help professionals upskill themselves to be at par with changing business scenarios and match the growing industry demands. The Digital Marketing simulation platform would provide hands-on experience by enabling them to create and optimise simulated campaigns, monitor, and optimize key performance metrics and manage campaign budgets.”

Upon successful completion of the programme, participants join the ISB Executive network, and become eligible to a host of benefits including lifelong access to this vast network of executives and entrepreneurs.

The last date to register for the programme is September 2, 2022. Interested applicants can visit the programme page to apply.

This story is provided by BusinessWire India. ANI will not be responsible in any way for the content of this article. (ANI/BusinessWire India)

https://www.bignewsnetwork.com/news/272657911/isb-executive-education-to-accelerate-professionals-digital-growth-with-digital-marketing-and-analytics-with-emeritus

Companies need business and strategic plans

Business

By

Richard Meier

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August 30, 2022

0

Companies need business and strategic plans

Janet Arrowood

What’s the difference between a business plan and strategic plan? A business plan constitutes an essential part of the process of starting a business. Existing businesses develop strategic plans.

Every business should have, and regularly update, a business plan. Once a business is established, both strategic and business plans are needed.

According to the Center for Simplified Strategic Planning, a strategic plan focuses on improving performance, exploiting opportunities and building market share. A business plan is most often used at the beginning of operations to define the initial goals and objectives of the company, its structure and processes, products and services, financial resources, staffing and talent needs and all of the basics that go into creating a company and getting it running.

Your business plan should provide a detailed guide to how you plan to set up and manage your operations and include the who and what.

The who of the plan explains:

Who manages the business.

What makes this person or team qualified.

Who’s the competition and what differentiates your company from them.

Who’s your market? How large is it? Where is it located? What does this market want and how will you meet those wants?

The what of the plan explains:

What goods and services you provide.

How you provide these goods and services.

How your goods and services meet customer needs and expectations.

Your strategic plan provides a guide to where you want to take your business as it grows and details your goals and how you expect to achieve them.

A strategic plan takes into account your current situation. You perform a strengths, weaknesses, opportunities and threats (SWOT) analysis to determine how to build on your strengths and manage your weaknesses. The strategic plan takes the business plan and expands on the initial roadmap to detail the how.

The how explains:

Your goals for the next one, two, five and 10 years.

Your expansion plans over those periods.

Expected changes in your market and how to accommodate those changes.

Your approach to growing your market.

Your customer outreach efforts.

The resources you need to reach your goals.

What might interfere with attaining your goals.

Metrics and approaches you use to measure success and growth.

The bottom line? If you plan to start and grow a business, you need both business and strategic plans. Each has a distinct purpose. Each is a living document. Understanding their differences and roles will ensure you stay on track to achieve success.

Companies need business and strategic plans

TD Bank Q3 earnings top estimate on strong Canadian, U.S. retail banking (NYSE:TD)

Banking

By

Richard Meier

-

August 30, 2022

0

TD Bank Q3 earnings top estimate on strong Canadian, U.S. retail banking (NYSE:TD)

Drew Angerer/Getty Images News

TD Bank Group’s (NYSE:TD) (TSX:TD:CA) fiscal Q3 earnings exceeded the average analyst estimate as its Canadian and U.S. retail banking businesses, along with higher net interest income, offset the softer results from its Wholesale Banking unit, which was affected by volatile markets and a weak underwriting environment. In Thursday premarket trading, TD shares were up 0.2%.

Adjusted EPS for the quarter ended July 31, 2022 was C$2.09 (US$1.62), topping the C$2.03 consensus, increased from C$2.02 in Q2 and from C$1.96 in the year-ago quarter.

Q3 net interest income of C$7.04B (US$5.45B) grew from C$6.38B in the prior quarter and from C$6.00B in the year-ago quarter.

Q3 provision for credit losses was C$351M, which increased from C$27M in the prior quarter and compared with recovery of C$37M in Q3 2021.

Total loans, net of allowance for loan losses, increased to C$790.8B from C$765.0B in the prior quarter.

Total deposits of C$1.20T vs. C$1.18T at April 30, 2022.

Q3 adjusted return on common equity of 16.1% from 15.9% in Q2 and from 15.6% in Q3 2021.

TD Bank’s (TD) Canadian Retail net income C$2.25B vs. C$2.24B in the prior quarter and C$2.13B in the year-ago period. The unit’s revenue of C$7.02B climbed 7% Y/Y, helped by momentum in banking and insurance volumes, rising interest rates, and growth in customer activity, including record credit card sales, partly offset by lower wealth revenue due to market conditions.

U.S. Retail adjusted net income of C$1.46B rose from C$1.20B in the prior quarter and from C$1.30B a year ago. The company’s investment in Charles Schwab (NYSE:SCHW) contributed C$289M to earnings, up 47% from the year-ago quarter.

The U.S. Retail Bank, which excludes its investment in Schwab (SCHW), posted record adjusted net income of C$1.18B vs. C$974M in Q2 and C$1.10B in Q3 2021. The 7% Y/Y increase reflected higher deposit margins and volumes, partly offset by higher provision for credit losses, lower income from PPP, and higher employee-related expenses.

Wholesale Banking net income of C$271M vs. C$359M in Q2 and C$330M in Q3 2021. The 18% Y/Y decline reflected higher non-interest expenses and provision for credit losses. Even with market volatility and a weaker underwriting environment, revenue only fell 1% Y/Y, with the decreased activity partly offset by other parts of the business.

Conference call at 1:30 PM ET.

Earlier, TD Bank (TD) non-GAAP EPS of C$2.09 beats by C$0.05, revenue of C$11.6B beats by C$970M

https://seekingalpha.com/news/3876552-td-bank-q3-earnings

NimbleFinCorp is all set in motion to bring its special Accounting and Bookkeeping services to India

Accounting

By

Richard Meier

-

August 30, 2022

0

NimbleFinCorp is all set in motion to bring its special Accounting and Bookkeeping services to India

New Delhi [India], August 18 (ANI/SRV): After setting a good client base in the US and UK for all the flavours of accounting i.e. Bookkeeping, Financial accounting, Managerial accounting, and Income taxes; NimbleFinCorp has decided to provide its services in India as well.

For their launch, NimbleFinCorp is offering its various accounting packages at a lower rate to help all the business owners who want to digitize their books of accounts and wish to shift from one accounting platform to another.

NimbleFinCorp is offering two sets of packages for startups and well-established firms – One, to shift from one accounting platform to another and the other, to digitize their books of accounts.

NimbleFinCorp has hourly, monthly and yearly packages. One can choose between these cost-effective packages for their accounting needs irrespective of their industry.

Accounting packages start from Rs 500.

Apart from these specific packages, NimbleFinCorp provides services in preparing a chart of accounts (COA), data entry of day-to-day transactions, bank reconciliation, payroll entry, preparing general monthly financial statements(FS), maintaining general ledger & passing adjustment entries, preparation of balance Sheet(BS), profit & loss statement (P & L), statement of cash flow, review of financial statements, cost statement preparation, providing various reports to clients for tax return.

(https://nimblefincorp.com) NimbleFinCorp has a team of certified professionals who have hands-on knowledge of the different accounting software like Quickbooks, Zoho Books, Xero, Tally ERP, Busy, Miracle, Marg ERP9, Freshbooks, Wave and Saral and can help business owners choose the right software for their business as well as help them with accurate and error-free transitions.

Industries to which NimbleFinCorp cater are Real Estate Industry, Retail and Wholesale Industry, Hospitality Industry, Non-Profit organizations Industry, Transportation Industry, Manufacturing Industry and Service Industry.

NimbleFinCorp has a set process of onboarding a client and working on client tasks. The process starts with an acquaintance – where the focus is on building client relationships with clear and straightforward communication. The next Step, is to understand the current state of the client’s cash flow followed by implementing the necessary bookkeeping tasks and financial accounting. NimbleFinCorp provides constant updates as per the client’s requirements and answers all their queries whenever needed.

To know about the packages and to get an early bird discount, you may contact them at [email protected] or you can WhatsApp them at +91 9664636762

Nimblefincorp is an accounting company located in India, providing global accounting solutions to national and international clients. We aim to simplify your business operations by becoming your dedicated offshore accounting partner.

This story is provided by SRV. ANI will not be responsible in any way for the content of this article. (ANI/SRV)

DISCLAIMER

(This story has not been edited by Business Standard staff and is auto-generated from a syndicated feed.)

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