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What your tenant insurance covers (and

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Richard Meier
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What your tenant insurance covers (and

A cheap monthly payment could potentially save you hundreds if your belongings are lost or stolen

MoneyWise

James Battiston

Publishing date:

Aug 19, 2022  •  August 19, 2022  •  5 minute read  •  Join the conversation

What your tenant insurance covers (and doesn’t)
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If you rent your home, you want to know that your possessions are protected. This is where tenant insurance, also known as renters insurance, comes in.

Tenant insurance is known for helping people cover the costs of damaged or stolen belongings, but it offers more than that. It also covers you in case an accident or injury occurs on your property.

According to a recent survey, 41 per cent of renters in Canada do not have tenant insurance.

You might feel tenant insurance isn’t worth the extra expense, but when you consider the coverage it provides it could prove to be a worthwhile investment.

Building insurance vs tenant insurance

While the place you live will have its own building insurance, this won’t necessarily protect your own personal dwelling.

Typically, building insurance covers the larger property itself and common areas. For instance, if you live in an apartment building, the building’s coverage would protect the hallways, foyers, elevators and structure of the space. If a pipe bursts in the building, any damage done by the flood could be covered, but the coverage wouldn’t extend to your possessions.

Similarly, any injury that occurs in the common areas would be covered by the building’s insurance, but if an accident or injury occurred in your unit, it would not apply. That is where tenant insurance comes in.

Tenant insurance can also protect you in the event that you are found liable for damage to the building itself. For instance, if you’re bringing a new couch into your unit, and damage the railing in the staircase, your tenant insurance might cover you for any such damages.

While tenant insurance isn’t necessarily required by law, some buildings require renters to have it. This is good practice on their part, as they want to ensure that they’re taking steps to protect their investment.

What type of coverage do you need?

You typically have two options for tenant insurance. The first, all-risk insurance, covers your residence from all damages except for named exclusions.

Named exclusions are things omitted from your policy, as determined by the insurance provider. Your policy might list theft, fire and wind damage, but omit water damage. Be sure to speak with your provider to have a clear idea what your coverage does and does not include.

The second type, named peril, will protect you from only the listed “perils” and not any exclusions. Typical perils include things like fire, theft and wind damage. You can usually purchase any additional coverage you may need as a “rider” or “endorsement” to your policy.

Riders are supplemental coverage you pay an additional fee for. If your policy doesn’t include coverage for flood damage, you would be able to purchase the add-on to protect you from this.

Some insurers also offer specific tenant policies for students. These policies are useful if you rent a residence with other students.

Medical payments

In addition to perils, your coverage can include voluntary medical payments if you or a guest suffers an injury while on your premises. Additionally, you can get voluntary property damage, which covers unintentional damage that you cause to property.

Your personal possessions are also covered by your insurance. It’s a good idea to catalogue these items — especially valuable possessions — once a year to ensure an up-to-date record is kept. Your insurance can also cover another individual’s property that you’re in possession of it if becomes damaged.

The cost of tenant insurance

There are a few factors that determine the cost of tenant insurance. The size of your dwelling, neighbourhood, value of your possessions and the age of the building are some of the elements that affect the price. But because you’re not insuring the whole building, just your unit, tenant insurance is often inexpensive. In Ontario, the average range is $300 to $360 a year.

Speak with an insurance provider to receive an accurate quote regarding the cost to insure your residence. Most insurance providers also provide easy-to-use online calculators to help you determine the cost.

What you might not know is covered

Tenant insurance often covers a number of additional items you might not be aware of.

If you are forced to relocate from your residence due to an insured peril, you can be eligible for additional living expenses. In these cases, your insurance will help you with the cost of moving, hotel and storage expenses.

If you travel around by bicycle, the great news is that your chosen mode of transportation is also covered. Be sure to include your bike when cataloguing your possessions and make note of its serial number. You might also want to register your bike with a free service like Project 529.

If you have a specialized or very expensive bike, you might want to purchase a separate bicycle insurance policy for your bike. Speak to your provider to find out if they offer it.

Protections outside of the home

Another benefit of tenant insurance is that it extends to your personal property even when it’s at another location. So when you’re out with your cellphone or laptop, and it gets stolen or damaged, then your tenant insurance will still apply to it.

If you own a vehicle and you have personal possessions inside of it, they will be insured under your tenant insurance as well. Your vehicle doesn’t even need to be parked on your property —it will be protected wherever it is located.

Your tenant insurance can also extend to protect any item that you have to temporarily keep in a storage unit. This protection may be more limited in scope, for instance only protecting against theft and not damage after a certain period of time.

How do you get reimbursed?

When you purchase tenant insurance, be aware that there are two typical ways that you may be reimbursed for any damages or loss.

Actual cash value is the true value of an item, such as the cost of your computer minus any depreciation that would have occurred.

Replacement cost value is insurance that will cover what it would cost to purchase a new or similar item in the current market. Often replacement cost value is higher than actual cost value, so policies that provide this coverage are more expensive.

Even if it’s not required by your landlord, tenant insurance is a great protection to have for your residence and your possessions. You’ll want to speak to your insurance provider to determine what type of policy is right for you, but the peace of mind you’ll get is often worth the low price of the insurance.

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

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Students required to take personal finance classes. Is it working?

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Richard Meier
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0
Students required to take personal finance classes. Is it working?

A student raises her hand to ask a question during a classroom lecture.

As high school students head back to the classroom this year, a growing number of them might have a class schedule that includes reading, writing and … retirement planning.

More and more states are introducing and enacting legislation requiring high schoolers to complete a standalone personal finance class. These classes help ensure students know the basics of managing their money before moving on to college or the workforce. They learn about topics ranging from opening a bank account and budgeting to managing debt — all to prepare them for financial success and avoid costly mistakes that can have lifelong financial consequences.

A strong foundation

“Financial well-being is not just about wealth creation for those who have a lot of commas in their salary, it’s about giving everyone the fundamental skills to be able to make good financial decisions,” says Angela Harrell, chief diversity and corporate impact officer at New York-based Voya Financial. “High school is when financial decisions start to happen, from working and driving to thinking about student loans, so that’s when it’s important to give them hands-on knowledge and ways to think about real-world scenarios.”

Voya Financial partners with organizations to promote financial literacy among high schoolers across the nation. These efforts include supporting the Council for Economic Education’s National Personal Finance Challenge, a competition for high schoolers, and Working in Support of Education, which releases an annual ranking of the best high schools teaching personal finance. “Our research shows that this education makes a meaningful difference in people’s lives,” Harrell says.

More schools are teaching high school students how save money and invest.

More schools are teaching high school students how save money and invest.

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Outcomes from these types of programs include improved financial behaviors such as smarter college payment decisions (such as maximizing lower-interest federal loans before seeking more expensive private options), better budgeting and increased investing for retirement, says Yanely Espinal, director of educational outreach for Next Gen Personal Finance (NGPF), a nonprofit that offers curriculum, resources and professional development to promote the teaching of financial skills to students across the country.

Growing momentum

As a result, Espinal says, momentum is growing around financial education legislation. According to NGPF’s 2022 State of Financial Education Report, roughly 23 percent of high school students in the U.S. had access to guaranteed financial literacy education in 2022 — up from 16 percent in 2018. In 2018, just five states guaranteed standalone personal finance classes for all high school students.

By May 2022, 13 states had guaranteed, or committed to guaranteeing, these classes for students before they graduate. And that number is expected to climb.

“This movement is now getting headlines and media attention, which has even more people wanting to get involved in the momentum,” Espinal says.

Advocacy and accessibility

But while the efforts are gaining traction, barriers to financial literacy still exist, from a lack of generational knowledge to mistrust in financial institutions and short-term thinking around money and finances. Experts agree the best way to get more students access to financial literacy programs is for their parents to advocate for these classes both in schools and with local legislators.

“Ask your student’s administrator, principal or teacher: ‘Will my child get access to a full semester class of personal finance?’” Espinal suggests. She notes that many schools might say they have the material in the curriculum because it’s included in an economics or business class. But when it’s embedded in another course it’s not as effective. “It needs that full semester of instructional time to go through all the important topics,” she says.

While there may be concerns that some schools can’t afford to put these educational programs in place, many organizations offer curriculum and resources at no cost to the school.

Espinal also emphasizes that teachers need not be experts in finance or business to teach it.

“It’s not just math teachers; art teachers are teaching this,” she says. “Once you find someone willing to teach it, you can bring anybody up to speed with the materials, and everything you need to make the course a success is online, including lesson plans, assessments and answer keys.”

Rich rewards

That has been the experience of Jennifer Jordan, a business and media communications teacher at Madeira High School in Cincinnati, who has been teaching a dedicated semester of personal finance to her students since 2014.

Jordan says teaching personal finance is one of the most rewarding things she’s ever done. Through the course of the semester, her students create a financial diary and budget, track their expenses and look at spending patterns for a month.

“It’s hard to talk to a kid about insurance, but if you can focus on helping them think about their future selves, they really get engaged,” she says. “It’s a blessing in disguise for so many students because it helps them go into the world with their eyes wide open.”

This article originally appeared on USA TODAY: Put personal finance class on your kid’s back-to-school shopping list

https://www.yahoo.com/finance/news/education-trend-students-required-personal-160404098.html

Digital marketing agency attracts over 1,000 applicants to “biggest ever” graduate training programme

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Richard Meier
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0
Digital marketing agency attracts over 1,000 applicants to “biggest ever” graduate training programme

Digital marketing agency idhl has welcomed 14 new starters to its biggest ever graduate training programme, which will be run from its Harrogate, Leeds and Manchester offices.

The 12-month specialist digital development programme for graduates was originally launched in February 2021 in the paid media team, with the goal of attracting new talent and investing in the training and development of entry level candidates.

However, it has been so successful, with all alumni still employed in the team, that it has now been opened up to include other areas of the business.

This year’s graduates will undergo training and get firsthand agency experience in other digital marketing service specialisms such as technical SEO, copywriting and digital PR as well as web development and design.

They will also each have a “dedicated and experienced” mentor for day-to-day queries, be involved in regular structured development sessions, gain relevant certifications and accreditations, and have the chance for progression into a permanent role upon completion of the programme.

This new programme attracted over 1,000 applications from students at universities across the UK, and the 14 successful candidates were selected following attendance at open days, interviews, and one-on-one career discussions with team hiring managers.

During the open days, which took place at idhl’s Leeds office, the candidates saw presentations from key internal stakeholders including head of people, Ben Turner, and WMG joint managing director, Ian Lloyd, who has been with the business for over 14 years and has himself worked up to senior management level.

Graduate training manager, Giacomo Palmieri, who launched and ran the initial programme in the Paid Media team alongside idhl Head of Operations, Sophie Dalglish said: “I am proud to see this graduate scheme grow, with our successes and learnings in Paid laying solid foundation for the wider teams.

“When we started this programme, we had just one graduate candidate in place at a time, but this year we’ll have four people in Paid Media alone, and a further 10 across other areas of the business. It’s so great to see.

Ben Turner, people director of idhl, added: “This is the first year that the idhl group has delivered a graduate programme of this scale. It is important to us that we invest in our future workforce to support not only our growth, but the development of the next generation of digital marketing enthusiasts.”

By Matthew Neville – Correspondent, Bdaily

Looking to promote your product/service to SME businesses in your region?

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https://bdaily.co.uk/articles/2022/08/18/digital-marketing-agency-attracts-over-1000-applicants-to-biggest-ever-graduate-training-programme

How to go into business with your spouse, and stay together

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Richard Meier
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0
How to go into business with your spouse, and stay together

Going into business with your spouse can be successful and financially rewarding.

But to reap the full benefits it will take focus, role definition, clear boundaries and transparency.

Here are four things to consider before taking the leap:

Focus: Set your business goals

Do you and your spouse have a comprehensive business plan that stretches out between one and five years? It’s imperative that this plan be designed together, laying out how your business will make money.

No plan? No goals? Stop what you’re doing and create a success road map for the business. Start by answering these six questions:

  • What are you selling and why is it unique? Your business won’t survive unless your offering stands out.
  • What big problem does your product or service solve and how? Profitable businesses solve real problems, not you or your spouse’s perception of problems.

  • Who are you selling to and how will you reach them? Use data to describe customer demographics and purchase behaviours, such as where your ideal customer likes to shop.
  • What evidence do you have that your product or service is in demand with this demographic? Hands-down, the best way to determine this is to interview at least 20 people who fit your target demographic and hear it straight from them that they want what you have.
  • How will you price your offering? Do a competitive sweep of the market before setting up your pricing grid.

Role definition: It’s OK for one spouse to take the lead on the finances

It isn’t realistic that both of you will be great at every aspect of your business. Lean into each other’s strengths and encourage each other to “own” their role within the business. If you’re stronger with finances than your partner, take the lead. If your partner is the creative person in the relationship, have them lead the marketing. If you’re both great at sales, divide your prospect list and each of you can focus your efforts to sell to clients you work with best.

For clarity’s sake, it is not a good idea for spouses to work in silos. You and your partner should know enough about the total business to be efficient with your respective roles, but also to be able to run it solo for a limited period; think about what happens if you have a child together and one person takes parental leave, or if one partner gets sick.

Clear boundaries: Set expectations for work and home

Keep work out of the bedroom. Keep the bedroom out of work. Give each other physical and emotional space. Figure out your work-life balance, especially if you have children, and make it work for your unique life. My best advice is to not let anyone tell you what you should be doing with your life.

It can be extremely helpful to have job descriptions for the roles you each play in your business. Pre-determine what you need to do in the event that expectations are not being met, or they are being exceeded. For example, if one spouse is working until midnight every evening while the other is crushing episodes of “The Terminal List” and not delivering on their end of the workload, arguments will ensue, and the business will suffer. Activate the “what to do if expectations are/aren’t being met” framework and that might mean the hardworking spouse off-loads some of the work to the other spouse or hires an assistant, and the lower-performing spouse might need to be booted out of the business, or given a different role.

On the relationship side of things, find personal shared experiences that do not involve work and keep the workload at home balanced — laundry, cooking and so on.

Mega transparency: If you don’t know, just say so

One of the biggest mistakes couples in business make is lack of communication (sounds familiar to our intimate relationships, right?). There’s too much at stake to guess, hide, pretend or try to figure something out that’s impossible to figure out on your own. Confide in your spouse when you don’t know how to handle a certain situation. Share important information with them about your business financials, product development or what’s happening with a difficult client. Work together to resolve business challenges.

You will lock horns in business and personally, at some point. But, a courageous conversation is the solution. These talks can feel hard and your pulse will speed up. However, when you both focus on the problem (not the person), you can work through just about anything, build trust and grow your business. Make room in your budget for regular couples therapy and business coaching. These investments help ensure your relationship is healthy and business is profitable.

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https://www.thestar.com/business/personal_finance/2022/08/29/going-into-business-with-your-spouse-heres-how-to-prevent-your-relationship-and-success-from-hitting-the-rocks.html

Teacher Retirement System of Texas Raises Holdings in Seacoast Banking Co. of Florida (NASDAQ:SBCF)

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Richard Meier
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0
Teacher Retirement System of Texas Raises Holdings in Seacoast Banking Co. of Florida (NASDAQ:SBCF)

Teacher Retirement System of Texas increased its position in shares of Seacoast Banking Co. of Florida (NASDAQ:SBCF – Get Rating) by 11.6% during the first quarter, according to the company in its most recent Form 13F filing with the SEC. The fund owned 11,932 shares of the financial services provider’s stock after acquiring an additional 1,237 shares during the quarter. Teacher Retirement System of Texas’ holdings in Seacoast Banking Co. of Florida were worth $418,000 as of its most recent filing with the SEC.

A number of other hedge funds have also recently bought and sold shares of the company. Maryland State Retirement & Pension System lifted its holdings in shares of Seacoast Banking Co. of Florida by 1.5% during the 1st quarter. Maryland State Retirement & Pension System now owns 23,602 shares of the financial services provider’s stock valued at $827,000 after acquiring an additional 340 shares in the last quarter. Mutual of America Capital Management LLC lifted its holdings in shares of Seacoast Banking Co. of Florida by 5.7% during the 1st quarter. Mutual of America Capital Management LLC now owns 8,430 shares of the financial services provider’s stock valued at $295,000 after acquiring an additional 458 shares in the last quarter. Oregon Public Employees Retirement Fund lifted its holdings in shares of Seacoast Banking Co. of Florida by 2.5% during the 1st quarter. Oregon Public Employees Retirement Fund now owns 21,922 shares of the financial services provider’s stock valued at $768,000 after acquiring an additional 538 shares in the last quarter. AdvisorNet Financial Inc lifted its holdings in shares of Seacoast Banking Co. of Florida by 14.2% during the 1st quarter. AdvisorNet Financial Inc now owns 5,350 shares of the financial services provider’s stock valued at $187,000 after acquiring an additional 665 shares in the last quarter. Finally, Victory Capital Management Inc. lifted its holdings in shares of Seacoast Banking Co. of Florida by 5.5% during the 4th quarter. Victory Capital Management Inc. now owns 15,865 shares of the financial services provider’s stock valued at $561,000 after acquiring an additional 826 shares in the last quarter. Institutional investors and hedge funds own 79.87% of the company’s stock.

Seacoast Banking Co. of Florida Price Performance

SBCF opened at $33.44 on Thursday. The company has a 50-day moving average of $34.06 and a 200-day moving average of $34.35. The company has a market capitalization of $2.05 billion, a P/E ratio of 17.79 and a beta of 1.12. Seacoast Banking Co. of Florida has a 1-year low of $29.28 and a 1-year high of $39.31. The company has a debt-to-equity ratio of 0.05, a quick ratio of 0.79 and a current ratio of 0.79.

Seacoast Banking Co. of Florida (NASDAQ:SBCF – Get Rating) last released its earnings results on Thursday, July 28th. The financial services provider reported $0.53 earnings per share for the quarter, hitting the consensus estimate of $0.53. Seacoast Banking Co. of Florida had a net margin of 29.70% and a return on equity of 9.80%. During the same period in the prior year, the company posted $0.59 earnings per share. Equities analysts expect that Seacoast Banking Co. of Florida will post 1.89 EPS for the current fiscal year.

Seacoast Banking Co. of Florida Dividend Announcement

The firm also recently disclosed a quarterly dividend, which will be paid on Friday, September 30th. Investors of record on Thursday, September 15th will be given a dividend of $0.17 per share. This represents a $0.68 dividend on an annualized basis and a dividend yield of 2.03%. The ex-dividend date is Wednesday, September 14th. Seacoast Banking Co. of Florida’s dividend payout ratio is presently 36.17%.

Analysts Set New Price Targets

Several equities research analysts recently issued reports on the stock. B. Riley dropped their price target on shares of Seacoast Banking Co. of Florida from $36.00 to $34.00 in a research note on Monday, July 11th. StockNews.com raised shares of Seacoast Banking Co. of Florida from a “sell” rating to a “hold” rating in a research note on Monday, August 1st. Finally, Truist Financial dropped their price target on shares of Seacoast Banking Co. of Florida from $42.00 to $39.00 and set a “buy” rating on the stock in a research note on Wednesday, July 6th. Three research analysts have rated the stock with a hold rating and two have issued a buy rating to the stock. According to data from MarketBeat, the company currently has an average rating of “Hold” and a consensus target price of $37.33.

Insider Activity at Seacoast Banking Co. of Florida

In related news, Director Dennis S. Hudson III sold 2,542 shares of the business’s stock in a transaction dated Monday, August 15th. The shares were sold at an average price of $35.48, for a total transaction of $90,190.16. Following the completion of the sale, the director now owns 169,698 shares of the company’s stock, valued at approximately $6,020,885.04. The sale was disclosed in a legal filing with the SEC, which is available through this link. In related news, Director Dennis S. Hudson III sold 8,000 shares of the business’s stock in a transaction dated Monday, August 1st. The shares were sold at an average price of $36.00, for a total transaction of $288,000.00. Following the completion of the sale, the director now owns 169,698 shares of the company’s stock, valued at approximately $6,109,128. The sale was disclosed in a legal filing with the SEC, which is available through this link. Also, Director Dennis S. Hudson III sold 2,542 shares of the business’s stock in a transaction dated Monday, August 15th. The shares were sold at an average price of $35.48, for a total transaction of $90,190.16. Following the transaction, the director now directly owns 169,698 shares of the company’s stock, valued at $6,020,885.04. The disclosure for this sale can be found here. Insiders own 2.00% of the company’s stock.

About Seacoast Banking Co. of Florida

(Get Rating)

Seacoast Banking Corporation of Florida operates as the bank holding company for Seacoast National Bank that provides financial services to retail and commercial customers in Florida. It offers commercial and retail banking, wealth management, and mortgage services; and brokerage and annuity services.

Further Reading

Want to see what other hedge funds are holding SBCF? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for Seacoast Banking Co. of Florida (NASDAQ:SBCF – Get Rating).

Institutional Ownership by Quarter for Seacoast Banking Co. of Florida (NASDAQ:SBCF)



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https://www.defenseworld.net/2022/08/25/teacher-retirement-system-of-texas-raises-holdings-in-seacoast-banking-co-of-florida-nasdaqsbcf.html

Smart Building Solutions Market to Create Lucrative Opportunities During the Forecast Years by Accounting for US$ 1,90,002.1 million by 2032

By
Richard Meier
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0
Smart Building Solutions Market to Create Lucrative Opportunities During the Forecast Years by Accounting for US$ 1,90,002.1 million by 2032

Future Market Insights Global and Consulting Pvt. Ltd.

The Demand for Smart Building Solutions is anticipated to Rise Due to The Growing Need for Lower Operating Costs, Lower CO2 Emissions, And the Scarcity of Energy Resources. North America is estimated to Capture the Largest Share and Lead the Global Smart Buildings Solution Market, Accounting For 38.3% of the Overall Market Share in 2022. Europe is projected to hold a Considerable Share Of 24.1% of the Global Market

DUBAI, United Arab Emirates, Aug. 17, 2022 (GLOBE NEWSWIRE) — The global smart building solutions market is expected to exhibit phenomenal growth with an impressive CAGR of 12.3% throughout the forecast period (2022-2032). The market size is anticipated to grow from US$ 59,733 million in 2022 to reach US$ 1,90,002.1 million by 2032.

The rising need for lower operating costs, scarcity of energy resources, and lower CO2 emissions have led to the higher demand for smart building solutions across the globe. Smart building solutions companies like Cisco aid in providing solutions that assist in monitoring and optimizing energy usage.

Regardless of the rise in intelligent IoT technology, energy efficiency remains a top priority. As energy-efficient systems gain traction in the world, they are likely to grow in the forecast period. Furthermore, it is also anticipated that increasing the acceptance of IoT-enabled BMS is likely to increase the smart building solutions market share.

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Key Takeaways

  • Smart building solutions are a crucial part of the automation and control industry, which is growing at a rapid pace. Backed by this factor, the growth of smart building solutions is propelling in the global market.

  • The sales of smart building solutions are largely driven by the electronic security & safety segment due to increasing demand for CCTV and biometrics-based security systems in the buildings.

  • High demand for thermostats, zone and climate controls, sensors, and keypads in the heating, ventilation, and air conditioning (HVAC) sector is also rising. In addition to that, new carbon dioxide & combine sensors are expected to have a positive impact on the smart building solutions market outlook.

  • The introduction of 5G technology and rapid development of the smart city movement has allowed the key players in the smart building solutions market to witness numerous growth opportunities. The surge in the IoT market and its versatile application in smart buildings are anticipated to provide numerous opportunities for the expansion of the smart building solutions market.

  • Government initiatives for building automation are one of the prominent factors driving the smart building solutions market. The concept of smart building solutions enables an effective energy management system for a building, thereby reducing energy wastage. Hence, this factor is anticipated to drive the demand for smart building solutions.

  • The expansion of a number of smart energy systems is expected to boost the sales of smart building solutions. A relentless pursuit of improving access, efficiency, sustainability, and comfort is anticipated to drive new innovations in smart building solutions.

  • Innovations in the smart buildings market are projected to be driven by technology players that are increasingly focused on extending IoT backbones.

Competitive Landscape

The market is fragmented with highly competitive players in the smart building solutions market including, ABB, Siemens AG, Intel Corporation, Honeywell International Inc., Schneider Electric, Legrand SA, Panasonic Corporation, Building IQ, Cisco Systems Inc., and DELTA CONTROLS.

Key players in the smart building solutions market are focusing on providing AI software and industrial Internet of Things (IoT) solutions to gain a competitive edge over the market. The smart building solutions market is currently fragmented, with the presence of established global and domestic players across the globe. By incorporating modern technologies and customizing products, the market is likely to be propelled forward. Currently, vendors are focusing mainly on offering innovative products and solutions that can optimize energy consumption and serve a high level of building automation.

Ask Our Analyst More about Report @ https://www.futuremarketinsights.com/ask-question/rep-gb-5104

More Insights into Smart Building Solutions Market

The North American region is predicted to dominate the global smart building solution market by capturing the largest market share of around 38.3% in 2022. The US and Canada hold a major portion, and they are prominent countries contributing to technology development in this region.

The Canadian government is increasingly taking steps to support its commitment to protecting the environment and its resources by making federal buildings more energy-efficient and reducing greenhouse gas emissions, which is driving the smart building solutions market growth.

The European market is expected to emerge as a lucrative market by accounting for 24.1% of the global market share during the forecast period. The smart building solution market is expected to grow at a moderate pace in Europe because of the growing awareness of smart building solutions and the government’s initiatives in the region.

Table of Content

1. Executive Summary

  1.1. Global Market Outlook

  1.2. Demand-side Trends

  1.3. Supply-side Trends

  1.4. Technology Roadmap Analysis

  1.5. Analysis and Recommendations

2. Market Overview

  2.1. Market Coverage / Taxonomy

  2.2. Market Definition / Scope / Limitations

3. Market Background

  3.1. Market Dynamics

      3.1.1. Drivers

      3.1.2. Restraints

      3.1.3. Opportunity

      3.1.4. Trends

  3.2. Scenario Forecast

      3.2.1. Demand in Optimistic Scenario

      3.2.2. Demand in Likely Scenario

      3.2.3. Demand in Conservative Scenario

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Telecom Internet of Things (IoT) Market Trends: The global telecom Internet of Things (IoT) in 2022 was anticipated to be valued at approx. US$ 45,733.3 Million.

Telemetry Market Volume: The global telemetry market size was anticipated to be worth US$ 1,23,490 Mn in 2022. The market is likely to grow to US$ 3,54,788 Mn by 2032, with a steep rise in the CAGR of 11.1% during the forecast period.

Virtual Infrastructure Manager Market Analysis: global virtual infrastructure manager market size is expected to grow at a CAGR of 12.1% to reach US$ 9833 million, exceeding US$ 3150 million in 2022.

Workplace Management Tools Market Demand: The global workplace management tools market size is anticipated to expand from US$ 9883.6 million in 2022 and is projected to reach US$ 54292.5 million by 2032.

Analog to Digital Converter Market Outlook: The global analog to digital converter market is likely to reach a valuation of US$ 3,375.3 Million in 2022.

Agricultural Robots Market Growth: The global agricultural robots market is conjectured to attain a valuation of US$ 5,994.27 Million by the end of 2022.

3D TSV Packages Market Sales: The global 3D TSV packages market leads to an approximated CAGR of 16.4% in the global market during the forecast period and registers a revenue valued at US$ 6,473 Mn in 2022, and is expected to cross US$ 29,538.6 Mn by 2032.

About Us

Future Market Insights (ESOMAR certified market research organization and a member of Greater New York Chamber of Commerce) provides in-depth insights into governing factors elevating the demand in the market. It discloses opportunities that will favor the market growth in various segments on the basis of Source, Application, Sales Channel and End Use over the next 10-years.

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https://ca.sports.yahoo.com/news/smart-building-solutions-market-create-233000236.html

Broker Marsh launches world’s first dedicated insurance for hydrogen projects

By
Richard Meier
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0
Broker Marsh launches world’s first dedicated insurance for hydrogen projects

Broker Marsh, a unit of Marsh & McLennan Cos. Inc., said on Monday it was launching the world’s first dedicated insurance for hydrogen energy projects, as the nascent industry looks to scale up quickly in the fight against climate change.

As the world targets net-zero emissions by mid-century in an effort to cap global warming, hydrogen, particularly “green” hydrogen made from renewable-energy sources, is seen as a crucial means of getting there.

U.S. politicians earlier this month backed a $430-billion spending package that included support for a range of renewable-energy sources such as hydrogen.

Projects involving the highly flammable gas have often found it harder to find cover, partly because of the complexity and risks involved in production, transportation and storage, and as new and emerging technologies are generally considered riskier.

Developed with insurers American International Group and Liberty Specialty Markets, Marsh said the new facility would provide up to US$300-million of cover per risk for the construction and start-up phases of hydrogen projects globally.

The facility would be available to multinational organizations as well as smaller firms and cover both new and existing “blue” and “green” hydrogen projects, the world’s largest insurance broker said.

Blue hydrogen is produced from natural gas, while green hydrogen is made from renewable sources and is seen providing a flexible and low-emission fuel for transportation, electricity generation and as an input into various industrial processes.

“Marsh’s facility is an important development for the insurance industry that will help enable the acceleration of the global energy transition to renewables,” said Andrew George, Global Head, Energy & Power, Marsh Specialty.

“As the global hydrogen industry, especially green hydrogen, scales up rapidly to meet demand, the facility will reduce the complexity of securing risk transfer options for operators of all sizes and boosts investor and lender confidence in achieving their ambitious project time frames.”

Marsh’s clients could either opt for coverage for the startup phase or choose a combined risks policy that extends to first-year operations, the New York-based company said.

Renewable and low-carbon hydrogen would account for only 5 per cent of the global final energy mix by 2050, falling short of what is needed to meet climate goals, according to a report in June from Norway-based global energy consultancy DNV.

To meet the Paris Agreement to limit global warming to 1.5 degrees by 2050, hydrogen would need to reach 13 per cent.

Be smart with your money. Get the latest investing insights delivered right to your inbox three times a week, with the Globe Investor newsletter. Sign up today.

https://www.theglobeandmail.com/business/international-business/article-broker-marsh-launches-worlds-first-dedicated-insurance-for-hydrogen/

Chainge Finance Offers Solution to Protect Stakeholders During Debt Restructuring Process

By
Richard Meier
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0
Chainge Finance Offers Solution to Protect Stakeholders During Debt Restructuring Process

New York, NY, United States – (NewMediaWire) – August 18, 2022 – Chainge Finance proposes decentralization as an answer to those stakeholders using centralized finance (CeFi) that have been affected by bankruptcy, acquisitions, and debt restructuring. With users and investors facing things like frozen withdrawals and bankruptcy hearings, a process is needed to protect these people from additional financial burdens and stress. Decentralized Finance can address this issue, namely through the use of Chainge’s unique and innovative technology.

DJ Qian, founder & CEO of Chainge Finance, said, “The best and most logical way to address this issue (and any future ones) is to achieve decentralization together. Moving assets to another centralized entity wouldn’t make sense as the key issue is the users’ ownership rights over their assets. Decentralized finance is the ultimate solution. Secure and reinforced by code. Not promises.”

The move to decentralization would allow users full ownership over their assets and would also reduce overall losses. As a leading decentralized finance platform, Chainge will make efforts to protect the interests of users who have suffered losses during these types of events and to try and avoid the same, or similar, things happening again in the future through the use of (DeFi) decentralization technology.

Not only do decentralized tools imply a way to prevent centralized entities from taking custody of a users’ assets in the future, but they also provide an on-the-spot, secure, efficient, and straight-forward method to return assets to victims who deserve to be made whole again without fearing the risk of yet another centralized entity managing their funds through the process.

Decentralization (as opposed to centralization) has undeniable advantages when it comes to trust and transparency. This comes down to the fact that the user is the one in control of their own assets. This means that there is no risk of losing ownership of the assets since only the user can access them. These assets will continue to exist on the blockchain no matter what, ensuring that secure management of these assets can be met while maintaining transparency. This also reduces the risk of asset mismanagement, human error, and mal-intended use.

With recent announcements such as pauses to withdrawals & transfers from particular CeFi entities, millions of investors have been affected. While market conditions play a large role in this, the infrastructure of CeFi is not established to support this amount of pressure while maintaining stability. As the most liquid web3 trading venue on the market and a forerunner in decentralized tech innovation, Chainge provides a viable and effective solution to these unfortunate instances.

As a leading DeFi utility app, and the most liquid cross-chain aggregator on the market, Chainge Finance is in a unique position of minimizing future damages. Through the use of DeFi, along with Chainge’s innovative technology, protection of users and investors can be achieved while ensuring prevention of loss.

About Chainge Finance:

Chainge Finance is a next generation DeFi app that stands as the most liquid web3 trading venue on the market, with over $70bn in aggregated liquidity. Chainge provides various cryptocurrency management tools such as a cross-chain wallet integrating 27 EVM & non-EVM compatible chains so that users can seamlessly swap, send and receive crypto assets across networks an Escrow Module, a top DEX Aggregator, a Futures DEX, and the very first decentralized Options DEX, all powered and secured by the innovative Fusion DCRM technology.

Social Contact:

Change Finance App: https://app.chainge.finance/mymobile

Twitter: https://twitter.com/FinanceChainge

Telegram: https://t.me/chaingefinance

Facebook: https://www.facebook.com/chainge.finance

Medium: https://chainge-finance.medium.com/

Media Contact

Company Name: Chainge Finance

Contact Person: Jill Moss

Email: [email protected]

Website: https://chainge.finance


https://finance.yahoo.com/news/chainge-finance-offers-solution-protect-062916289.html

How Interactive Digital Audio Ads Are Stealing The Marketing Spotlight

By
Richard Meier
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0
How Interactive Digital Audio Ads Are Stealing The Marketing Spotlight

The tenets of great audio marketing have never changed, but the tech that underpins it has never been more powerful. For The Drum’s Audio Deep Dive, Charlie Brookes of Octave Audio takes us through the creative and commercial opportunities associated with digital audio advertising.

Audio advertising has always been an important part of the media mix for many brands. In 2022, the perfect storm of circumstance and opportunity is propelling a new variety of interactive digital audio ads into the marketing spotlight.

With traditional ‘broadcast’ audio ads, advertisers find commercial radio stations or podcasts that are popular with their target audiences and place brand messages there. These audio ads are then pushed out to that channel’s entire audience – for example, all of Kiss FM’s listeners – to help generate some brand uplift.

However, digital audio ads differ in a number of ways. Firstly, rather than pushing an ad to a channel’s entire audience, you can target a subsection of listeners. This means it’s possible to tailor a more specific message and spend your ad budget with greater precision.

In addition, digital audio ads – which are generally consumed on smartphones or smart speakers – provide an opportunity to introduce actionable outcomes. For example, a listener could be directed to shake their phone at the end of an ad to receive a voucher or QR code, or to speak directly to their device to access some additional content from the advertiser or to have the product being advertised dropped directly into their online shopping cart.

The digital audio ad has become a unique proposition for advertisers, capable of combining the brand benefits of traditional broadcast advertising with the targeting and interactivity of digital ads. The element of interactivity, in particular, seems to be the lure attracting new advertisers to the digital audio category for the first time and enables creatives and digital planners to maximize the power of audio in a way that wasn’t previously possible.

Smarter sounds

The number of households worldwide using smart home products is forecast to reach more than 400m by 2025. With smartphones and smart speakers now dominating the audio market and voice-activated technology continually advancing, advertisers should be paying close attention to the increased reach of digital audio and the potential benefits of interactive ads.

New research demonstrates that the impact of branding is strongest when a listener interacts with an ad. For example, when a consumer personally voices a brand name as part of a smart skill interaction, an ad is 30% more effective than a standard ad format. This could include a user ordering a product or asking for further information about the brand.

Interactive ads have the ability to strongly influence brand metrics such as recall and opinion, with 24% of listeners reacting positively to hearing their smart device reply to requests during an ad. These ads allow the listener to engage with the content as opposed to being a passive listener, resulting in stronger and more meaningful brand associations.

The podcast factor

Another big opportunity for interactive digital audio ads is the explosion in the popularity of podcasts and the technical evolution of that space. Previously, podcasts may have been rolled into a buy as part of a larger audio plan, but increasingly the format is treated as a distinct medium with its own unique set of attributes and benefits.

Dynamic ad insertion has propelled the medium forward and technology continues to add more layers of contextual targeting to podcasts. Accessing podcast inventory via programmatic has allowed advertisers further flexibility of access. Measurement has also become more robust, with the ability to track on-site user behavior after exposure to an audio ad.

Brands and advertisers can align with genres and specific podcasts through sponsorship and leverage the deep and genuine relationship that a listener has with them to deliver a meaningful advertising experience. Placing interactive audio ads within a podcast environment can generate higher recall among an audience listening predominantly via headphones.

In 2022, marketers have a new range of audio advertising options to consider. Where audio is being accessed via a smart device, advertisers can now choose to explore and exploit the full capabilities of those devices and include an element of attention-grabbing interactivity in their campaigns.

Charlie Brookes is director of revenue at Octave Audio. For more on the power of sound, check out The Drum’s Audio Deep Dive.

https://www.thedrum.com/opinion/2022/08/18/how-interactive-digital-audio-ads-are-stealing-the-marketing-spotlight

NimbleFinCorp is all set to bring its Accounting & Bookkeeping services to India

By
Richard Meier
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0
NimbleFinCorp is all set to bring its Accounting & Bookkeeping services to India

India, 18th August 2022: 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.

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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.

Accounting packages start from ₹ 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.

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

Disclaimer: This article is a paid publication and does not have journalistic/editorial involvement of Hindustan Times. Hindustan Times does not endorse/subscribe to the content(s) of the article/advertisement and/or view(s) expressed herein. Hindustan Times shall not in any manner, be responsible and/or liable in any manner whatsoever for all that is stated in the article and/or also with regard to the view(s), opinion(s), announcement(s), declaration(s), affirmation(s) etc., stated/featured in the same.

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https://www.livemint.com/brand-stories/nimblefincorp-is-all-set-to-bring-its-accounting-bookkeeping-services-to-india-11660820675235.html

Cancer patients hit by sky-high travel insurance fees due to ‘one size fits all’ policies

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Richard Meier
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0
Cancer patients hit by sky-high travel insurance fees due to ‘one size fits all’ policies

Cases seen by the PLANETS Cancer Charity include a patient quoted £7,000 for a two-week trip to Canada and another quoted £1,000 for a week in Spain. It is calling on the travel industry to establish a new model. More than 125,000 people have signed a petition in support.

The charity’s co-founder Jo Green was diagnosed with incurable neuroendocrine cancer 11 years ago but her disease is stable and she has no symptoms. She said: “I, and many people in similar positions to me, are routinely denied travel insurance or quoted extortionate premiums due to my medical history and cancer diagnosis.

“As cancer treatments improve, many patients can live well for many years even with an incurable cancer diagnosis, so it is a little out of touch to assume that we are all high risk for travel.”

A cancer’s progression varies depending on factors including type and stage at diagnosis. Jo, 45, of Poole, works as a fitness instructor and sometimes teaches multiple intense classes per day. She said she feels safer now that she is being monitored by doctors than in the years before her vague symptoms led to a diagnosis.

PLANETS supports patients and funds research into pancreatic, liver, colorectal, abdominal and neuroendocrine cancer. Jo said the petition was launched after the charity heard frustrating stories of patients struggling to secure travel insurance.

She added: “You’ve already been dealt a pretty bad card if you’ve had cancer, it is a shame insurance companies can’t be more helpful and realistic in order to allow patients to seek respite through holidays which are important to health and wellbeing.

“For me, being diagnosed at 34 was devastating. At a time when your friends are all getting married and having babies, you are confronting your mortality and going through horrific treatments and surgeries.

“Holidays are essential, not a luxury. If I get a stable scan result, my first thought is ‘what shall I do this year?’. I live one year at a time, I make sure I make that year count, for me that involves seeing the world. It is a coping mechanism.”

Paul Charles, CEO of travel consultancy The PC Agency, urged ministers to intervene and address the problem. He said: “Most travel insurers have not updated their approach to those who are living with cancer, and still charge exorbitant premiums if a customer has had a previous diagnosis.

“The same applies to some other conditions where, despite remarkable medical advances, the insurers still don’t want to deal with what they regard as highly risky applicants. This now needs government intervention to open up cheaper travel insurance and enable cancer patients to enjoy time abroad, which in itself may form part of the treatment process.”

The Financial Conduct Authority Handbook says insurers should refer to “reliable information that is relevant to the assessment of the risk” when dealing with consumers who have medical conditions.

An FCA spokesperson said: “We introduced requirements last year to help consumers with pre-existing medical conditions, including cancer, get better outcomes from the travel insurance market.

“Firms selling travel insurance now have to signpost some consumers to a directory of specialist firms that cover more serious conditions. We will be reviewing our requirements in this area next year, and ahead of that we welcome feedback from stakeholders.”

The Association of British Insurers said it could not comment on how individual insurers assess risk. A spokesperson said: “If you have a pre-existing medical condition and are having difficulty obtaining cover, a specialist travel insurance intermediary may be able to help.

“Whether to offer cover, and at what price, is a decision for each individual insurer based on their risk appetite. Insurers will consider a number of factors such as age, travel destination and any pre-existing medical conditions.”

● You can sign the charity’s petition here.

Travel firms fail to consider risk of different cancers

Heather Slepcevic was quoted more than £3,600 for an upcoming three-week trip to Australia. She was diagnosed with neuroendocrine cancer 12 years ago but it has been kept under control with occasional treatments.

Heather, 61, and her husband Mel are due to visit her younger sister Karen in October after being separated during the pandemic. But they have faced a nightmare trying to get insurance with quotes of between £1,300 and £3,600.

Finally last week Heather secured cover with specialist provider Insurance With for just £98. She said many firms did not understand that neuroendocrine cancers can be lower risk than others.

Heather said: “We don’t really pose a high risk and I think we’re getting clumped into the same category as people with say bowel cancer, breast, lung. I’m probably no sicker than most normal people. It feels like a barrier. It’s really stressful and upsetting. To be honest I was going to travel without medical cover, I had decided I would take a credit card with me and not worry.”

Heather, of Fareham in Hampshire, said she would recommend Insurance With to anyone struggling to find affordable cover. She added: “In this case they have understood my cancer and eventually came up with a good plan. Travel companies need to understand that we’re not all high risk.”

Read more at the provided link : Best cancer hospital in Hyderabad

Everything is expensive. These personal finance podcasts explain why

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Richard Meier
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0
Everything is expensive. These personal finance podcasts explain why

This week we’re sharing one of our favourite episodes from March 2022.

A lot of us have money on our minds lately. It’s hard not to. 

Groceries seem to cost more, the price of gas is higher than it’s ever been, interest rates and rents are rising, and for many, being able to afford a house is completely out of reach. 

That’s why, this week, we’re dedicating this week’s show to stories about money and personal finance. 

We have stories about how money impacts our relationships, like Tessa, who turns to their sister for help with credit card debt. And advice from author Kaley Klemp about how money should fit into a long-term relationship.

Podcasts featured this week:

(Courtesy of podcasts)

Death, Sex & Money: Tessa is 27, and struggling with debt. They had kept it a secret from their family, until they felt they had no choice but to ask their sister for help. But when their sister offered to pay it all off, instead of being relieved, Tessa couldn’t help but feel like a failure.

Bad With Money: Host Gaby Dunn talks to Kaley Klemp, co-author of The 80-80 Marriage, about coming at relationships with radical generosity rather than “fairness” and how to structure money in a long-term relationship or marriage. Why do partners resent each others’ successes instead of seeing all achievements as good for the team?

The Indicator from Planet Money: This episode of The Indicator follows an UberEats driver and Instacart shopper who’s seen her paycheck go up. But she’s also seen rising prices for food, gas, and other basics that eat away at her income. So, has she gotten a real raise, or is it just an illusion?

Against The Rules: Other People’s Money: Michael Lewis’ 1989 book Liar’s Poker is often considered required reading if you want to work in the world of finance. Now for the first time, Lewis is revisiting the book to look at how it remains relevant today, and how it foreshadowed the world we live in today. 

Stress Test: Cryptocurrencies are in the spotlight because of their dramatic ups and downs. So what are people who buy crypto thinking? And is it a smart investment? On this episode of Stress Test The Globe And Mail’s personal finance team Rob Carrick and Roma Luciw try to demystify cryptocurrency for lay people, and interview an investor named Billy who fell victim to a crypto scam. 

What’s your go-to classic podcast? Email, tweet us @PodcastPlaylist, or find us on Facebook.

For more great podcasts, check out CBC’s podcast portal, subscribe in Apple Podcasts.

 


https://www.cbc.ca/radio/podcastplaylist/everything-is-expensive-these-personal-finance-podcasts-explain-why-1.6542459

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