Instrument product – Deimel http://deimel.biz/ Mon, 08 Aug 2022 09:36:09 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://deimel.biz/wp-content/uploads/2021/06/cropped-icon-32x32.png Instrument product – Deimel http://deimel.biz/ 32 32 GM, PepsiCo and Lenovo demonstrate the resilience of the green bond market https://deimel.biz/gm-pepsico-and-lenovo-demonstrate-the-resilience-of-the-green-bond-market/ Mon, 08 Aug 2022 09:36:09 +0000 https://deimel.biz/gm-pepsico-and-lenovo-demonstrate-the-resilience-of-the-green-bond-market/ The market for bond issues related to ESG and sustainability strategies held steady in the first half of 2022, despite concerns about the downside. Additionally, the third quarter marked the start of an explosion of activity – with General Motors issuing one of the largest corporate green bonds to date, Lenovo getting involved with its […]]]>

The market for bond issues related to ESG and sustainability strategies held steady in the first half of 2022, despite concerns about the downside. Additionally, the third quarter marked the start of an explosion of activity – with General Motors issuing one of the largest corporate green bonds to date, Lenovo getting involved with its inaugural bonds, and PepsiCo closing its second offer since 2019.

More on all three in a moment, but first, a recap: Global sustainability bond volume reached $225 billion in the second quarter, down 19% from a year earlier, but up 2% compared to the first quarter of this year, according to an analysis by Moody’s.

Moody’s reports that these types of issues, which include green bonds, social bonds, sustainability bonds, accounted for 15% of the total bond market, which is the highest ratio on record. Green bonds totaled $136 billion in the second quarter, and Moody’s analysis indicates the company continues to expect sustainable bond issuance to reach $1 trillion in 2022.

Indeed, the third quarter started strong, with Lenovo technology companyautomaker GM and food and beverage company PepsiCo all offered price-bond offers worth more than $1 billion in July.

Lenovo’s inaugural $1.25 billion bond offering includes 5.5 and 10-year bonds, which the company says have been bought by investors from many regions; most buyers, 41%, were from the Asia-Pacific region. Lenovo’s bonds will go to energy efficiency, renewable energy, green buildings, the circular economy “adapted products, production and processes” and clean transportation.

We have a need, there was an appetite.

GM bonds, which at $2.25 billion are billed as the second largest corporate showincluded two slices of banknotes maturing in 2029 and 2032. They will be used to finance or refinance projects as described in the Sustainable financing framework released earlier this year.

Among the categories outlined in this document are social connections related to supporting supplier diversity and workforce development; loans, leases and other financing products that help individuals, dealers and fleet managers switch to electric vehicles; and investments in clean transport technologies, including batteries and fuel cells, charging solutions, energy as a service, micro-grid and vehicle-to-grid development, etc.

PepsiCo’s offering of a $1.25 billion 10-year green bond is the company’s second such instrument to date: it closed a $1 billion green bond in 2019; as of December 31, 2020, it had used $858 million of the proceeds. According to PepsiCo latest green bond reportfunded projects included decarbonization efforts for its own and supply chain operations, sustainable packaging and plastics initiatives, and water sustainability.

For example, $98 million in revenue went toward a green research and development facility in Valhalla, New York. Overall, project sizes ranged from $60,000 to over $14 million; the average was $1.7 million, according to the report.

PepsiCo CSO Jim Andrew said proceeds from the new bond will be allocated according to the criteria set out in PepsiCo’s New Green Bond Frameworkpublished on July 14. Since the old one is almost fully allocated, it was necessary for the new show to fund parts of the business. PepsiCo Positive strategy (pep+), which focuses on regenerative agriculture, building a circular and inclusive value chain, and making products that are better for people and the planet. “We have a need, there was an appetite,” Andrew said.

There are four general categories described in the framework, each aligned with specific United Nations Sustainable Development Goals (SDGs) as well as the Principles of Green Bonds:

  • Circular economy and virgin plastic waste reduction efforts, including investments that will help it buy more recycled PET or bio-based PET for its packaging; development of compostable or biodegradable packaging options; recycling infrastructure; and reuse the solutions. (SDG 9 — Industry, innovation and infrastructure, SDG 12 — Responsible consumption and production)
  • Decarbonization and Resilience in PepsiCo’s Operations and Value Chain, such as energy efficiency and GHG emission reductions from industry, renewable energy supply, zero-emission transportation, including electric vehicles, and certified green buildings. (SDG 7 — Affordable and clean energy, SDG 11 — Sustainable cities and communities.)
  • In search of a net positive impact for water, through investments in water recycling and reuse, watershed replenishment for high-risk areas, and water-saving technologies including drip irrigation for agriculture. (SDG 6 — Clean Water and Sanitation, SDG 12 — Responsible Consumption and Production, SDG 15 — Life on Land)
  • Regenerative agriculture, including training to help farmers adopt practices that improve soil health, such as planting cover crops or reducing fertilizer and pesticide applications. (SDG 2 — Zero Hunger, SDG 8 — Decent Work and Economic Growth)

PepsiCo will report annually on how revenue is allocated, a disclosure that will be provided by a “nationally recognized company registered with the Public Company Accounting Oversight Board.” The company will also report various impact metrics such as how these projects increase the percentage of rPET or renewable or bio-based PET in its packaging, estimated emission reductions, avoided water use and water replenishment. and the number of acres using regenerative agriculture practices.

We seek to go as far as possible in the supply chain.

An overview of PepsiCo’s ESG objectives, as well as its latest progress report, illustrate the work to come. For example, PepsiCo aspires to help spread regenerative agriculture practices to over 7 million acres (a new goal starting in 2021); it is currently around 345,000 in the United States and Canada. Its water use efficiency has improved 18% from 2015, on its way to a 25% improvement by 2025, and PepsiCo has replenished more than 6 billion liters. So far, the company has reduced its absolute GHG emissions in Scopes 1 and 2 by 25% from a 2015 baseline, on track to its 75% reduction target by 2030 However, Scope 3 emissions across its value chain have grown 5% in most of the last reporting year, “largely due to unprecedented business growth.” The objective is to reduce these emissions by 40%.

When I asked Andrew about the Scope 3 metric, he highlighted a number of initiatives PepsiCo has taken to help its value chain adopt more sustainable business practices, including its program to help suppliers setting science-based targets and procuring renewable energy. “We’re looking to go as far down the supply chain as possible,” he said.

Another example of how PepsiCo will invest in its supply chain comes from Europe, where the company recently identified six industrial climate tech startups to help with supply chain pilots over the next year. Companies include: Industrial impulse and Bren Powerwho sell technologies to help reduce steam losses in production; Ozo-Innovationsthat reduces thermal energy, water and chemicals associated with cleaning manufacturing plants; UBQ Materialswhich transforms organic and non-recyclable plastics into bio-based thermoplastics; Security issues, which tracks packaging waste using blockchain; and Elateqwhich eliminates pathogens and contaminants in the water.

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3 Dividend-Paying Tech Stocks to Buy in August https://deimel.biz/3-dividend-paying-tech-stocks-to-buy-in-august/ Sat, 06 Aug 2022 11:40:00 +0000 https://deimel.biz/3-dividend-paying-tech-stocks-to-buy-in-august/ High-flying technology stocks like You’re here tend to attract the most media and investor attention. But investors who want more sustainability and less volatility in their portfolios might instead focus on dividend-paying stocks. Dividend payers, especially those that increase their dividends every year, can be great stocks to hold for the long term and some […]]]>

High-flying technology stocks like You’re here tend to attract the most media and investor attention. But investors who want more sustainability and less volatility in their portfolios might instead focus on dividend-paying stocks. Dividend payers, especially those that increase their dividends every year, can be great stocks to hold for the long term and some can be just as effective in helping someone build wealth to fund their retirement.

Let’s take a look at three dividend-paying tech stocks worth taking a closer look at in August.

1. Microsoft: 0.88% dividend yield

Microsoft (MSFT -0.26%) is one of the largest companies in the world with a market capitalization of $2.1 trillion. The software giant is known for its Microsoft Office products, personal computing division, and even its Xbox video game segment. All of these subsidiaries helped boost the company’s revenue to $198 billion last year.

However, the highlight of Microsoft’s business right now is cloud computing, specifically its Azure division. Azure is a cloud infrastructure provider that sells computing and storage services to other companies, allowing them to forgo buying computing servers themselves. As Amazon Web Services (AWS) and Alphabetfrom Google Cloud, Microsoft Azure is growing rapidly as the world moves from on-premises servers to the cloud. Last quarter, Microsoft’s intelligent cloud revenue was $20.9 billion, with Azure driving most of that growth with revenue up 40% during the period.

Azure, along with the sustainability of Microsoft’s other segments, should help propel Microsoft’s earnings power to new heights in this decade. This earnings growth will help fuel its growing dividend, which currently yields 0.88%. While not a huge return, the company’s dividend per share has increased 200% over the past 10 years. If Azure continues to grow at a rapid pace, investors should expect this dividend growth to continue in the future.

2. Texas Instruments: 2.51% dividend yield

Not just a graphing calculator company, Texas Instruments (TXN -0.33%) is one of the world’s leading semiconductor manufacturers. Unlike cutting-edge technology innovators, the company focuses on a diverse portfolio of older technology chips that are in constant demand in the manufacturing, automotive and electronics industries.

This focus, coupled with a great brand, has led Texas Instruments to generate significant shareholder returns. Last quarter, revenue grew 14% year-over-year to $5.2 billion, with trailing 12-month free cash flow of $5.9 billion. With all that cash flow, the company pays a healthy 2.51% dividend that’s increased 557% over the past 10 years.

Industry experts expect demand for semiconductors to grow more than 66% by 2030. Along with this industry tailwind, Texas Instruments looks poised to continue generating revenue streams. cash sold for shareholders and to steadily increase its dividend payments.

Dividend per AAPL share (TTM) given by Y charts.

3. Apple: 0.55% dividend yield

Finally, we have the largest company in the world, Apple (AAPL -0.14%). The $2.7 trillion market capitalization company has dominated the smartphone market with its high-end iPhone product, especially in the United States. It also offers a growing mix of other computing devices such as the iPad, Airpods, and Apple Watch. In addition to these devices, Apple has a strong software and services business, driven by sales on its App Store. For reference, Apple’s services business generated $19.6 billion in revenue last quarter, or nearly $80 billion on an annualized basis.

This combination of hardware and software dominance has led to Apple becoming extremely profitable. Over the past 12 months, the company generated $108 billion in free cash flow. With so much cash, Apple has increasingly returned cash to shareholders in the form of stock buybacks and dividends. Its dividend currently pays just 0.55% but has increased 841% over the past 10 years.

If you believe in the continued dominance of the iPhone and Apple’s computing ecosystem, this can be a great dividend payer to have in your wallet.

A Word About Yields

For the context of dividend yields, it’s worth noting that yields can look quite low (even when the company pays a decent dividend) if the stock price rises quickly.

^ SPX Chart

^SPX given by Y-Charts

These three stocks are outperforming all S&P500 over the past two years and therefore their dividends seem deceptively low. Dividend-oriented investors should take this stock price appreciation into account when determining whether the dividend-paying stock is worth considering.

John Mackey, CEO of Whole Foods Market, an Amazon subsidiary, is a board member of The Motley Fool. Suzanne Frey, an executive at Alphabet, is a board member of The Motley Fool. Brett Schaefer has no position in the stocks mentioned. The Motley Fool owns and recommends Alphabet (A shares), Alphabet (C shares), Amazon, Apple, Microsoft, Tesla and Texas Instruments. The Motley Fool recommends the following options: long calls $120 in March 2023 on Apple and short calls $130 in March 2023 on Apple. The Motley Fool has a disclosure policy.

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The Strad News – 1896 Léon Fischesser violin stolen in Cape Town https://deimel.biz/the-strad-news-1896-leon-fischesser-violin-stolen-in-cape-town/ Fri, 05 Aug 2022 02:38:50 +0000 https://deimel.biz/the-strad-news-1896-leon-fischesser-violin-stolen-in-cape-town/ South African violinist Petrus De Beer is begging the public to keep an eye out for his 126-year-old violin, which was stolen from his parked car on July 22. “My dear violin was stolen tonight from my boot in the ‘secure’ parking lot at Heritage Square,” De Beer said on social media. ‘I am totally […]]]>

South African violinist Petrus De Beer is begging the public to keep an eye out for his 126-year-old violin, which was stolen from his parked car on July 22.

“My dear violin was stolen tonight from my boot in the ‘secure’ parking lot at Heritage Square,” De Beer said on social media. ‘I am totally devastated. No words. The damage is incomprehensible… It’s as if a piece of my heart had disappeared.

De Beer is offering an undisclosed reward for the safe return of its instrument. The violin has sentimental value to De Beer, given to him by his mother shortly before her death.

Unique features of the instrument include a cracked varnish on the end of the neck at the volute, resembling “crocodile skin”.



De Beer’s colleague at the Cape Philharmonic, Louisa Theart, took to social media to provide practical advice for those looking for the violin, which may appear in local thrift shops: “Ask owners [of a second hand shop] has anyone sold a violin here in the past few days?

‘Look in the instrument section for the violins and check the name “Leon Fischesser” and the date 1896 inside the violin.

‘Talk to the owners and staff of the violin you are looking for, some people will take offense if you imply that they may have stolen property, so be nice. But be sure to make an impression regardless, you want them to remember THIS violin.



French luthier Léon Fischesser (1861 – 1937) worked in Geneva, Staufen in Baden, Mulhouse, ending up in Paris working for Faubourg Poissonière and Avenue de Villiers in the early 20th century. The highest price paid for one of his instruments was £10,800 for a 1906 violin, in March 2011.

Anyone with information is asked to contact Sergeant Bottoman-Ozoani at Cape Town Central Police Station.

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The global on-board charger market is expected to reach https://deimel.biz/the-global-on-board-charger-market-is-expected-to-reach/ Wed, 03 Aug 2022 10:04:13 +0000 https://deimel.biz/the-global-on-board-charger-market-is-expected-to-reach/ New York, Aug. 03, 2022 (GLOBE NEWSWIRE) — Reportlinker.com announces the publication of the report “On-Board Charger Market – A Global and Regional Analysis: Focus on Product, Application, and Country-Wise Analysis – Analysis and Forecast, 2022 -2032” – https://www.reportlinker.com/p06311958/?utm_source=GNW The major market development activities are expected to be boosted by the ongoing research and development […]]]>

New York, Aug. 03, 2022 (GLOBE NEWSWIRE) — Reportlinker.com announces the publication of the report “On-Board Charger Market – A Global and Regional Analysis: Focus on Product, Application, and Country-Wise Analysis – Analysis and Forecast, 2022 -2032” – https://www.reportlinker.com/p06311958/?utm_source=GNW
The major market development activities are expected to be boosted by the ongoing research and development activities in the manufacturing of high performance on-board chargers.

The global on-board charger market is still growing. A growing fleet of electric vehicles is propelling the sales of the on-board charger in the market.

As a result, the global on-board charger market is expected to flourish over the forecast period.

Impact

• The government and federal agencies are investing heavily in subsidies and infrastructure development to promote electric vehicles and reduce carbon dioxide emissions.
• In 2020 and 2021, many European countries have launched the initiative to offer incentives to those who buy electric vehicles. For example, in July 2021, Germany launched a new initiative to offer incentives of up to $10,200 for electric vehicle buyers and $7,600 for hybrid vehicle buyers. Similarly, France is offering incentives of up to $6,800 to buyers of electric vehicles.

Impact of COVID-19

The impact of the COVID-19 pandemic on the global on-board charger market has been negligible. Despite the pandemic, there has been a slight increase in sales of on-board chargers.

The COVID-19 pandemic has greatly heightened people’s environmental awareness. For this reason, more and more people are considering buying durable vehicles.

This will propel the global on-board charger market.

Market segmentation :
Segmentation 1: by type of propulsion
• Battery Electric Vehicles (BEV)
• Plug-in hybrid electric vehicles (PHEV)

Based on the propulsion-type segment, the global on-board charger market is expected to be dominated by the battery electric vehicle segment during the forecast period.

Segmentation 2: by type of vehicle
• Passenger vehicles
• Commercial vehicles

The passenger vehicle segment is expected to be the leading segment of the market as sales of electric passenger vehicles are expected to increase globally.

Segmentation 3: by load power
• <=6.6kW
• 6.7 – 11.0kW
• 11.1 – 22.0kW
• > 22.0kW

In 2021, the <= 6.6 kW segment led the global on-board charger market (in charging power) due to the increase in sales of electric vehicles equipped with these on-board chargers.

Segmentation 4: by design type
• Unidirectional
• Bidirectional

In terms of design type, one-way was the predominant segment in 2021. During the forecast period, two-way segment is expected to grow at a high rate as compared to one-way segment.

Segmentation 5: by product type
• Without integrated DC/DC converter
• With integrated DC/DC converter

Segmentation 6: by distribution channel
• OEM
• Secondary market

The OEM distribution channel segment dominated the global on-board charger market (by distribution channel) in 2021. This was due to low replacement rate of on-board charger and increasing production of electric vehicles by OEMs .

Segmentation 7: by Region
• North America
• Asia-Pacific and Japan
• China
• Europe
• UK
• South America
• Middle East and Africa

China generated the highest revenue of $1.28 billion in 2021, which is attributed to the increase in electric vehicle sales in China. The on-board charger market is attractive in China owing to the availability of various market segments.

Recent developments in the on-board charger market

• In 2020, Innolectric AG announced the production of its 22 kW three-phase on-board chargers for electric vehicles. The new chargers, developed in partnership with STMicroelectronics, use highly efficient silicon carbide power modules, so efficiency is over 94% and peaks at 96% in the 2-10kW range.
• In 2020, BorgWarner Inc. announced that it had completed its acquisition of Delphi Technologies. The combination of BorgWarner and Delphi Technologies is expected to strengthen BorgWarner’s electronics and power electronics products.
• In 2021, MTA announced the purchase of an 80% stake in EDN, an Italian company that develops and produces power converters and on-board battery chargers for use in hazardous environments and electric cars.
• In 2021, Eaton, an energy management company, recently announced the acquisition of Green Motion SA, a leading designer and producer of hardware and software for electric vehicle charging.
• In 2022, the acquisition of Hella was finalized, according to Faurecia. Faurecia and HELLA have launched FORVIA, the new name of the combined Group, following the successful acquisition by Faurecia of a majority stake in HELLA.

Demand – Drivers and Limits

Following are the demand drivers for the on-board charger market:
• High cost associated with fast charging systems
• Demonstration of environmental commitment and its support of brand values
• Germination of new government policies and initiatives
• Prohibition of the production of ICE vehicles
• Increased adoption of on-board DC-DC on-board chargers

The market is also expected to face some limitations owing to the following challenges:
• Growing push from government for rollout of fast charging stations/highways
• Technological advancement in electric vehicle charging infrastructure
• On-board charger size maintained despite increasing demand for high performance

How can this report add value to an organization?

Product/Innovation Strategy: The product segment helps the reader understand the different types of EV in-vehicle chargers available by drive type, vehicle type, product type, design type, and distribution channel. The growing demand for electric vehicles in the world sale of on-board chargers.

Therefore, the on-board charger business is a high investment and revenue generating model.

Growth/Marketing Strategy: The global on-board charger market is growing exponentially, with huge opportunities for market players. Some strategies covered by this segment are product launches, partnerships and collaborations, business expansions and investments.

The preferred strategy for companies has been product launches, partnerships and collaborations to strengthen their positions in the global on-board charger market.

Competitive Strategy: The key players in the Global On-board Charger Market analyzed and profiled in the study involve manufacturers of on-board charger based products and component/subsystem suppliers. The Chargers Market has been made to help the reader understand how players compare to each other, presenting a clear market landscape.

Moreover, comprehensive competitive strategies such as partnerships, agreements, and collaborations will help the reader understand the untapped revenue pockets in the market.

Key Market Players and Competition Summary

The companies profiled have been selected based on input collected from primary experts and analysis of company coverage, product portfolio and market penetration.

Some of the most prominent established names in this market are:
Business Type 1: Tier 1 Manufacturers

• Meta System SpA
• Robert Bosch GmbH
• BorgWarner Inc.
• HELLA GmbH & Co. KGaA
• Lear Corp.
• Ficosa International SA
• BRUSA Elektronik AG
• YAZAKI Company
• KOSTAL Automobil Elektrik GmbH & Co. KG

Business type 2: Tier 2 (component suppliers)

• Texas Instruments Incorporated
• STMicroelectronics
• Analog Devices, Inc.
• Semiconductor Component Industries, LLC
• Infineon Technologies AG
• Wolfspeed, Inc.

Countries covered
• North America
• WE
• Canada
• Mexico
• South America
• Brazil
• Rest of South America
• Europe
• Germany
• France
• Italy
• Spain
• Rest of Europe
• Middle East and Africa
• United Kingdom (United Kingdom)
• China
• Asia-Pacific and Japan
• Japan
• India
• South Korea
• Rest of Asia-Pacific and Japan
Read the full report: https://www.reportlinker.com/p06311958/?utm_source=GNW

About Reportlinker
ReportLinker is an award-winning market research solution. Reportlinker finds and organizes the latest industry data so you get all the market research you need – instantly, in one place.

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A trust against. Will and why you probably need both https://deimel.biz/a-trust-against-will-and-why-you-probably-need-both/ Sat, 30 Jul 2022 15:49:16 +0000 https://deimel.biz/a-trust-against-will-and-why-you-probably-need-both/ Talking about the inevitable can be difficult. But not planning for your death can lead to significant emotional, financial, and relationship issues. Financial advisor and educator Stuart Spivak says many of his clients don’t know where to start. He recommends learning about wills and trusts. A desire A will be, “Last Will and Testament”, is […]]]>

Talking about the inevitable can be difficult. But not planning for your death can lead to significant emotional, financial, and relationship issues. Financial advisor and educator Stuart Spivak says many of his clients don’t know where to start. He recommends learning about wills and trusts.

A desire

A will be, “Last Will and Testament”, is an instrument of power and the cornerstone of an estate plan. Creating one gives you control over the distribution of your assets. If you die without a will, the state decides what happens to your property regardless of your wishes or concerns. Believe it or not, only 30-35% of adults have a will in place. It’s no surprise since no one wants to remember their own mortality or spend too much time thinking about what should happen once they’re gone. A will is a legal document by which a person, known as a “testator”, or a couple, outlines their wishes and instructions regarding the distribution of their property after death.

living will

A living will, also known as an advance directive, is the document that sets out your wishes regarding end-of-life decisions. They may include resuscitation decisions, tube feeding, and organ or tissue donation. You can also indicate your level of comfort care, such as pain management, palliative care, and palliative care.

Before going any further, it’s important to review some key terms when it comes to a will:

  • Executor(s): responsible for carrying out the wishes expressed in a will.
  • Guardian(s): designated to take care of your minor child(ren). If you die without appointing a guardian, the court will decide who will take care of your child(ren).
  • Approval: the legal procedure during which the validity and authenticity of a will are verified and determined. A will is subject to verification.
  • Financial and medical power of attorney: Vital documents that appoint someone if you are unable and therefore unable to make these decisions yourself.

Deciding on an executor and guardian is not an easy decision. The executor is most likely a trusted loved one and the one responsible for carrying out the wishes of the deceased. It’s an honor to be chosen for this role, but at the same time, it can be a “curse”. With this role comes enormous responsibility for what can be a very long time. The executor can be a trusted friend, a licensed professional – like a lawyer or accountant – or a third party.

A guardian for your minor children is also very personal and an important decision that should not be taken lightly. This person or these people would most likely be a family member or relative. These selected people would be named in your estate documents and should be interviewed in advance. For minor children, it is important to ensure that the financial arrangements are specified: where will the money come from to take care of your child(ren) if you are no longer there? At what age can your children access the cash once their health, maintenance, education and support needs have been met? You should set out these wishes in your estate plan.

A financial power of attorney would come into play if or when someone is physically or mentally unable to pay bills, do banking, or manage their money safely. A medical power of attorney would authorize the person or persons to make medical decisions if or when you are physically and/or mentally unable to do so for yourself.

Start writing your personalized will here!

A confidence

A trust is the most comprehensive way to protect your assets and loved ones while avoiding probate. There are different types of trusts, so it is important to consult a professional to determine if a trust is necessary and, if so, what type. The most common type of trust is a revocable living trust.

A revocable living trust is normally revocable or changeable by the person who initially contributes assets to the trust – the trustee. Although the trustee retains control of the revocable inter vivos trust, the trust itself remains a flow-through entity, which means that no additional tax returns are filed (the tax identification number is usually a social Security). Upon the death or incapacity of the trustee, the nature of the trust changes and the terms become irrevocable, locking instructions and distributions in place. The trust is then administered through a process outside of probate, and the appointed trustee(s) work to distribute the assets in accordance with the wishes of the trustee.

Many people don’t want to deal with probate because it’s public, time-consuming, and can be expensive. The revocable living trust is easy to create and manage, but it still bypasses probate and allows restrictions on how assets are distributed. A revocable living trust is an effective estate planning tool that allows families to pass on their hard-earned estate without fear of family disputes.

There are also other types of trusts: irrevocable trust, special needs trust, pet trust, gun trust – just to name a few.

Irrevocable trust

An irrevocable trust is generally not changeable by the trustee and therefore controlled by a third party – the trustee. An irrevocable life insurance trust is often used to hold a life insurance policy to withdraw proceeds from a taxable estate.

Special Needs Trust

It is so important to have in place if money and/or assets will be left behind for a loved one who has special needs, whether physical or mental disability. When properly structured, this type of trust will not compromise the government assistance a minor or adult child receives.

pet trust

As you might guess, this document would state the wishes you have for a pet or pets if/when you predecease them.

gun trust

A gun trust allows you to protect your gun(s) during and after life without the complications that typically arise after the death of a gun owner.

Start building your personalized confidence here!

A will against. Trust

Everyone should have one will be and other basic estate planning documents, but it depends on whether a trust is necessary or not.

A trust may not be necessary if your estate is less than a certain amount (usually $100,000, but the amount may vary from state to state). You can also choose to withdraw from a trust if your assets can be passed on to loved ones by beneficiary designation and/or transferred/paid out upon death. We believe that if you own property in multiple states, a trust may be beneficial.

Spivak suggests that if someone is uncomplicated and their wealth consists of assets that can be passed on death by beneficiary designation (like an IRA, 401(k), or life insurance), a trust is generally not required.

Benefits of a Will and Trust

A will states your wishes instead of the state deciding what is best for you and your loved ones. A trust helps you avoid probate; it gives you privacy. A will is not private and the information in a person’s last will becomes public information once probated. This is not the case with a trust. A trust will also facilitate administration if minor children are involved. It protects your children and/or grandchildren from themselves in the event of a lawsuit or divorce.

Next steps

Most of the time, Spivak recommends speaking with a financial advisor who can usually refer you to an estate attorney. Most people don’t know what they don’t know. Having a professional help you with this is money well spent in my opinion.

The average cost of an estate plan can vary greatly depending on your needs. A complete estate plan that includes a will, revocable trust, financial and medical powers of attorney, and a living will should cost around $2,000 to $2,500. The total amount would depend on whether these documents were prepared by an estate attorney or a document preparer. The cost also fluctuates if the documents are cookie-cutter or personalized. Either way, it’s worth getting comprehensive advice in this important area.

Pro Tip: Keep in mind that estate planning documents are state-specific when it comes to health care powers of attorney, for example. If someone wants to hire an estate attorney, they must be licensed in your state of residence.

This material has been prepared by TravelAwaits and does not necessarily represent the views of the presenting party or its affiliates. This information comes from sources believed to be accurate. Please note: investing involves risk and past performance is no guarantee of future results. The publisher is not engaged in the provision of legal, accounting or other professional services. If assistance is required, the reader is advised to seek the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied upon for the purpose of avoiding a federal tax penalty. It is neither a solicitation nor a recommendation to buy or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and do not represent any particular investment.

For more tips on saving for retirement, check out these articles:

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Types of life insurance in India – Forbes Advisor INDIA https://deimel.biz/types-of-life-insurance-in-india-forbes-advisor-india/ Thu, 28 Jul 2022 18:12:14 +0000 https://deimel.biz/types-of-life-insurance-in-india-forbes-advisor-india/ Buying a life insurance policy is one of the best and most responsible decisions you can make. A life insurance policy ensures that your loved ones are not left without a financial support system in the event of their death. It can also help you accumulate wealth to fulfill your dreams and aspirations and those […]]]>

Buying a life insurance policy is one of the best and most responsible decisions you can make. A life insurance policy ensures that your loved ones are not left without a financial support system in the event of their death. It can also help you accumulate wealth to fulfill your dreams and aspirations and those of your loved ones.

Historically, insurance has never been considered an important financial instrument and therefore penetration levels have remained extremely low. Current levels of life insurance penetration as a percentage of premiums to GDP in India stand at just 3.2%. Insurance awareness tells a similar story. Traditionally, most people were only exposed to savings plans, which were usually purchased by their parents through insurance agents usually from their social/family circle.

Awareness of life insurance has seen a significant increase over the past few years as people have begun to realize the need for financial protection. Insurance is increasingly seen as an essential component of its financial portfolio. Technology and digitization have also penetrated all aspects of life in recent years, leading to increased access. All of this has led to a democratization of the insurance industry, with exposure to information higher than ever.

It’s clear how essential policy comparison websites, user reviews and YouTube videos have become in simplifying insurance for customers. Buying life insurance is one of the most important decisions of your life. With a plethora of product offerings to choose from, the process can become overwhelming.

So here’s a reminder, especially for first-time buyers, of the different types of life insurance policies available on the market.

1. Term insurance

Term insurance, or a term plan, is the most basic form of life insurance policy and is usually what people mean when they hear or say “life insurance.” Term insurance provides financial security to your loved ones at a pre-determined annual/monthly rate called a premium. If an unfortunate incident results in your death, the life insurer pays a certain amount of money, called the “sum insured” (also predetermined) to your beneficiary.

2. Serious illness

Critical illness insurance covers specific illnesses, which are mentioned in your policy document and also communicated to you at the time of purchase. Upon diagnosis of a serious illness, the insurer pays a lump sum for medical expenses. Although the illnesses covered may be different depending on the insurance provider, most companies include cancer and heart disease.

3. Investment plans

Generally, there are two types of investment plans:

A) Unit-Linked Insurance Scheme (ULIPS)

ULIPS have both an investment and a protection component. Depending on the degree to which you are willing to take risks, ULIPs offer several funds in which to invest money. These can be equities, debt or hybrid funds. ULIPs also take into account that your needs change over the course of your life and therefore offer options such as switching funds and partial withdrawals.

B) Staffing plans

Unlike ULIPs, which are market-linked, endowment plans offer guaranteed returns. Endowment plans meet both investment and insurance needs. The premium you pay in an endowment plan is split in two ways. One part goes towards the death benefit and the other is invested. When you die, your beneficiary receives the death benefit.

If you survive the period of insurance, that is, when the policy expires, you receive the accumulated maturity benefit in the account of the money you invested. Endowment plans can be considered savings plans and are highly recommended for salaried people who might be willing to save for future expenses like children’s education.

4. Diets for children

A great reason to invest in guaranteed return plans or ULIP is to build a financial corpus for your children. These plans can be linked to your financial goals and help you accumulate and grow your wealth for several medium and long-term goals, such as raising children. They give you the freedom to predefine stages when you anticipate needing the funds. Children’s plans include an insurance component so that your child’s finances are taken care of in the event of your unfortunate death.

5. Pension plans

A retirement plan is a long-term instrument that allows you to save a large sum of money so that your financial needs during your retirement years are taken care of. Typically, guaranteed plans can also be tied to such a goal and help you accumulate enough funds to get you through your retirement years. At maturity, you can choose to have a stable source of income or a lump sum payment.

6. Group insurance plans

A group life insurance plan covers all members of a group under one policy. These types of plans are usually used by business owners or companies for their employees, but can also be used by other groups like groups of doctors, lawyers, members of credit societies, etc. Most companies offer insurance benefits to their employees through these plans since grouping individuals together makes companies eligible for lower premium rates.

7. Microinsurance schemes

Microinsurance plans are insurance policies designed for the economically weaker sections of society. This product category was created by the Insurance Regulatory and Development Authority of India (IRDAI) with the aim of increasing insurance penetration among these sections. These plans have a sum assured of INR 50,000 or less.

Since these plans are aimed at the economically weakest sections of society, life insurance companies often partner with non-governmental organizations, self-help groups and microfinance institutions that act as intermediaries in the name of economically disadvantaged people.

Conclusion

Choosing life insurance is a delicate balancing act and you need all the help you can get. Buying a policy is a decision that will affect you for years, so it’s important to get it right the first time. And while there are great online resources you can refer to, you need a basic understanding of life insurance plan types before you can undertake any more in-depth research. We hope the above guide serves as a beginner’s tool and helps you organize your thoughts and make an informed decision.

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Cell Culture Market Size 2022 | (CAGR) of 12.14% analysis scenario, upcoming and future opportunities, revenue growth, price and profitability. https://deimel.biz/cell-culture-market-size-2022-cagr-of-12-14-analysis-scenario-upcoming-and-future-opportunities-revenue-growth-price-and-profitability/ Tue, 26 Jul 2022 07:25:00 +0000 https://deimel.biz/cell-culture-market-size-2022-cagr-of-12-14-analysis-scenario-upcoming-and-future-opportunities-revenue-growth-price-and-profitability/ In-depth market knowledge PUNE, July 26, 2022 (GLOBE NEWSWIRE) — cell culture market The research report is an expert analysis which mainly includes companies, types, applications, regions, countries etc. The reports also give analysis of sales, revenue, trade, competition, investments, forecast. cell culture market research covers impacts of COVID-19 on upstream, midstream and downstream industries. […]]]>

In-depth market knowledge

PUNE, July 26, 2022 (GLOBE NEWSWIRE) — cell culture market The research report is an expert analysis which mainly includes companies, types, applications, regions, countries etc. The reports also give analysis of sales, revenue, trade, competition, investments, forecast. cell culture market research covers impacts of COVID-19 on upstream, midstream and downstream industries. Additionally, this study offers detailed market estimations with emphasis on statistics on several aspects covering market dynamics like drivers, barriers, opportunities, threats, and industry news and trends.

The global cell culture market is expected to grow at a compound annual growth rate (CAGR) of 12.14% during the forecast period 2021-2027, according to the new report published by Researcher.

Historical and forecast period

This research report provides analysis for each segment from 2017 to 2027 considering 2020 as the base year.

Get a sample copy of the report at – https://proficientmarketinsights.com/enquiry/request-sample/19225456?utm_source=ng

Market is split by Type, can be split into:-

Market is split by Application, can be split into:-

Per end user:

– pharmaceutical and biotechnology companies

– research institutes

– others

Market Segment by Region/Country comprising:-

  • North America (United States, Canada and Mexico)

  • Europe (Germany, UK, France, Italy, Russia and Spain etc.)

  • Asia-Pacific (China, Japan, Korea, India, Australia and Southeast Asia, etc.)

  • South America (Brazil, Argentina and Colombia etc.)

  • Middle East and Africa (South Africa, UAE and Saudi Arabia etc.)

Report scope

– To analyze and forecast the market size of the global cell culture market.

– Classify and forecast the global cell culture market based on product, application, end-user, and region.

– Identify drivers and challenges of the global cell culture market.

– Examine competitive developments such as mergers and acquisitions, agreements, collaborations and partnerships, etc., in the global cell culture market.

– Perform price analysis for the global cell culture market.

– Identify and analyze the profile of key players operating in the global Cell Culture Market.

Why choose this report

– Get a reliable perspective of the global cell culture market forecast from 2021 to 2027 according to the scenarios.

– Identify growth segments for investment.

– Stay ahead of your competition with company profiles and market data.

– Market estimation to facilitate scenario analysis in Excel format.

– Strategy consulting and research support for three months.

– Print authentication provided for the single-user license.

Main players in cell culture including: –

among others.

Key Developments in Cell Culture Market:-

  • To describe Cell Culture introduction, product type and application, market overview, market analysis by countries, market opportunities, market risk, market driving force

  • To analyze Cell Culture Manufacturers, with profile, main business, news, sales, price, revenue and market share

  • View the competitive situation among global key manufacturers, with Cell Culture sales, revenue and market share

  • To present the market by type and application, with sales, price, revenue, market share and growth rate by type and application.

  • To analyze key countries by manufacturers, type and application, covering North America, Europe, Asia-Pacific, Middle East and South America, with sales, revenue and market share by manufacturers, types and applications

  • To analyze manufacturing cost, key raw materials and manufacturing process etc.

  • To describe the Cell Culture sales channel, distributors, traders, dealers etc.

Inquire or share your questions, if any, before purchasing this report – https://proficientmarketinsights.com/enquiry/pre-order-enquiry/19225456?utm_source=ng

Detailed TOC of Global Cell Culture Market, 2021-2027

Part 1. Presentation

1.1 Market Definition

1.2 Key benefit

1.3 Market Segment

Part 2. Methodology

2.1 Primary

2.2 Secondary

Part 3. Executive Summary

Part 4. Market Overview

4.1 Presentation

4.2 Market Size and Forecast

4.3 Market Dynamics

4.3.1 Drivers

4.3.2 Constraints

4.4 Impact of the COVID-19 pandemic

Part 5. Global Cell Culture Market by Product

5.1 Instruments

5.1.1 Market Size and Forecast

5.2 Consumables

5.2.1 Market Size and Forecast

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About Proficient Market Insights:

Proficient Market Insights is a premium platform to help key business personnel strategize and make visionary decisions based on facts and figures from in-depth market research. We are one of the best report resellers in the market, dedicated to bringing you an ingenious concoction of data metrics.

CONTACT: Proficient Market Insights Phone : +1 424 253 0807 Phone : +44 203 239 8187 Email : sales@proficientmarketinsights.com Web: https://proficientmarketinsights.com
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Cognizant Partners with Organon to Accelerate Pharmaceutical Delivery and Improve Women’s Health https://deimel.biz/cognizant-partners-with-organon-to-accelerate-pharmaceutical-delivery-and-improve-womens-health/ Thu, 21 Jul 2022 10:30:00 +0000 https://deimel.biz/cognizant-partners-with-organon-to-accelerate-pharmaceutical-delivery-and-improve-womens-health/ Organon manufacturing site efficiency expected to improve supply chain management and accelerate delivery of healthcare products TEANACK, NJ, July 21, 2022 /PRNewswire/ — Cognizant (NASDAQ: CTSH) today announced that it has signed a new multi-year agreement with Organon (NYSE: OGN), a global women’s health company, to help improve the delivery of health products and the […]]]>

Organon manufacturing site efficiency expected to improve supply chain management and accelerate delivery of healthcare products

TEANACK, NJ, July 21, 2022 /PRNewswire/ — Cognizant (NASDAQ: CTSH) today announced that it has signed a new multi-year agreement with Organon (NYSE: OGN), a global women’s health company, to help improve the delivery of health products and the the company’s crucial medical supply management.

Through this agreement, Cognizant will help scale Organon’s healthcare business by providing comprehensive industry technology support for the company’s global pharmaceutical manufacturing sites in the UK, Netherlands, Belgium and Indonesia. This includes managing Organon’s manufacturing systems with SAP’s S4/HANA suite of enterprise applications. Additionally, by providing remote and onsite support teams to increase real-time visibility into the manufacturing process and ensure continuity of pharmaceutical development, Cognizant seeks to help Organon improve supply chain oversight, increase drug yields, reduce cycle times and get products to patients faster.

“Technology is an important pillar of differentiation for Organon in fulfilling our mission to become the global leader in women’s health,” said Rachel Stahler, Director of Information Systems at Organon. “By partnering with Cognizant, we have partnered with one of the world’s leading technology and professional services companies to advance our digital ambitions and capabilities, while accelerating access to therapies important to women. of the whole world.”

“Our work with Organon to align its pharmaceutical development with Industry 4.0 principles is critical to supporting women’s health in an efficient, timely and compliant approach,” said Surya Gummadi, Senior Vice President of Health Sciences. Cognizant Global and Senior Vice President, Americas. “Partnerships like ours will help create new opportunities for companies to transform their businesses and deliver quality healthcare at scale.”

Today, Cognizant works with each of the world’s 30 largest pharmaceutical companies. Its acquisition of Zenith Technologies in 2019 allowed Cognizant to become one of the only global organizations capable of providing end-to-end support for pharmaceutical manufacturing systems. Cognizant-Zenith Technologies’ combined expertise offers a range of Industry 4.0 capabilities, including sensor and machine controller instrumentation, supervisory control, data acquisition, and automation. The majority of Organon’s manufacturing and supply program will be managed and supported by leveraging Cognizant-Zenith’s capabilities.

About Cognizant
Cognizant (Nasdaq: CTSH) designs modern enterprises. We help our clients modernize technology, reinvent processes and transform experiences so they can stay ahead of our rapidly changing world. Together, we make everyday life better. See how to www.cognizant.com or @cognizant.

SOURCE Aware

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Prepaid card issuance by fintechs including Slice and LazyPay drops below 100,000 after RBI directive on PPI https://deimel.biz/prepaid-card-issuance-by-fintechs-including-slice-and-lazypay-drops-below-100000-after-rbi-directive-on-ppi/ Tue, 19 Jul 2022 02:19:53 +0000 https://deimel.biz/prepaid-card-issuance-by-fintechs-including-slice-and-lazypay-drops-below-100000-after-rbi-directive-on-ppi/ Prepaid card issuance by fintechs including Slice and LazyPay drops below 100,000 after RBI directive on PPI New Delhi: It has been almost a month since the Reserve Bank of India declared that non-bank institutions cannot load lines of credit on these instruments. Since then, the issuance of prepaid cards by fintechs like Slice, Uni […]]]>

Prepaid card issuance by fintechs including Slice and LazyPay drops below 100,000 after RBI directive on PPI

New Delhi: It has been almost a month since the Reserve Bank of India declared that non-bank institutions cannot load lines of credit on these instruments. Since then, the issuance of prepaid cards by fintechs like Slice, Uni and LazyPay has fallen below 100,000.
On June 21, the RBI issued a clarification on prepaid payment instruments (PPIs) like wallets and prepaid cards. The central bank said non-bank institutions cannot load credit lines on these instruments.

Since the RBI issued the directive, card-based fintech players Uni and PayU-owned LazyPay (through its LazyCard product) are no longer issuing new prepaid cards due to a lack of regulatory clarity. Recently, LazyPay also temporarily discontinued its Buy-Now-Pay-Later (BNPL) payment product LazyPlus UPI.

However, the existing cards are working and Uni and LazyPay continue to support them and are working to forge new partnerships with lenders to ensure business continuity. Two industry executives told the Economic Times that prior to RBI’s order in June, the fintech industry collectively issued nearly 500,000 to 700,000 new prepaid cards in May.

“So far in July, new card issuance by these fintech firms has fallen to a tenth of the pre-RBI mandate level. However, customer acquisition continues. There will be a slowdown in new issuance until the regulations are clarified,” said a fintech executive.

Several fintechs including Jupiter, KreditBee and EarlySalary had immediately stopped making new transactions on their prepaid cards after the release of the RBI circular.

In line with the overall decline in prepaid card issuance, issuance by Bengaluru-based fintech unicorn Slice also fell sharply. At its peak, Slice was issuing up to 200,000 cards a month at the end of May, up from 20,000 at the start of the year, sources said.

It is worth mentioning here that SBM Bank in India is the only lender supporting fintechs as other big lenders like RBL Bank have pulled out of such partnerships.

PCI written to government

A week after the RBI directive, the Payments Council of India (PCI) along with several fintech companies sought government intervention to ask it to resolve the fallout. PCI pegged the industry’s total of active prepaid cards – where a line of credit is disbursed – at over 10 million, with more than Rs 3,500 crore in transactions processed via these cards in May alone.

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RBI fines Ola Financial Services Rs 167 crore for non-compliance with standards

RBI fines Ola Financial Services Rs 1.67 crore for non-compliance with standards

“After the RBI circular, the numbers have come down to a trickle…Most of the big players in the portfolio have slowed down or stopped altogether because there is not enough clarity on the regulator’s position. The decline of the numbers is largely due to declining supply from big players such as Slice, which were showing industry-reasonable numbers Card requests fell below one lakh,” an official explained. payments.

Now the business models of card-based fintech companies will evolve into new partnerships, where they might only be able to charge an originator (fee) from banks, while being DSAs (direct selling agents), a source says. of the sector.

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Starting Monday, you will pay GST on these products https://deimel.biz/starting-monday-you-will-pay-gst-on-these-products/ Sun, 17 Jul 2022 06:19:27 +0000 https://deimel.biz/starting-monday-you-will-pay-gst-on-these-products/ Customers will have to pay 5% GST on prepackaged and labeled food items like atta, paneer and curd, in addition to hospital rooms with rent above Rs 5,000 from Monday with entry into force of the decision of the GST Board. Additionally, hotel rooms with a rate of up to Rs 1,000/day, maps and maps […]]]>

Customers will have to pay 5% GST on prepackaged and labeled food items like atta, paneer and curd, in addition to hospital rooms with rent above Rs 5,000 from Monday with entry into force of the decision of the GST Board.

Additionally, hotel rooms with a rate of up to Rs 1,000/day, maps and maps including atlases will be subject to 12% Goods and Services Tax (GST), while that 18% GST will be levied on tetra packs and fees charged. by the banks for issuing checks (bulk or in book form).

Last month, the GST Board, chaired by Union Finance Minister Nirmala Sitharaman and made up of her state counterparts, pruned the list of exemptions and imposed a tax on a host of goods and services.

The Council, based on an interim report by the Group of Ministers (GoM) on rate rationalization, had also abolished duty reversal for goods where taxes on inputs were higher than those on output.

Read also | 12% GST on budget rooms will impact business: Bengaluru Hoteliers Association

Tax rates on products such as printing, writing or drawing ink; knives with cutting blades, letter openers and pencil sharpeners; LED lamps; drawing and marking instruments will be increased to 18% on Monday, from 12% currently, to correct the reverse duty anomaly.

In addition, solar water heaters will now be subject to a GST of 12%, compared to 5% previously.

Certain services such as works contracts for roads, bridges, railways, the metro, effluent treatment plants and crematoriums will also see the tax rise to 18% from 12% currently.

In addition, taxes will be reduced on ostomy appliances and on the transport of goods and passengers by ski lift to 5% from July 18, compared to 12% previously.

Truck rental, freight transport where the cost of fuel is included will now attract a lower rate of 12 percent from 18 percent.

The GST exemption on air passenger transport to and from the North Eastern States and Bagdogra will be limited to economy class only.

Also read: IMA urges Finance Minister Sitharaman to remove GST on healthcare
Services rendered by regulators such as RBI, IRDA and SEBI will be taxed at 18%, as will the rental of residential accommodation to commercial entities.

Biomedical waste treatment facilities will be subject to 12% GST, while non-ICU hospital rooms exceeding Rs 5,000/day will be subject to 5% GST, with no input tax credit, in the extent of the amount charged for the room.

In addition, individuals will only be able to claim the GST exemption for training or supervision in the context of recreational activities related to the arts, culture or sports.

In addition, electric vehicles, whether equipped with a battery pack or not, would be eligible for the preferential GST rate of 5% starting July 18.

Rajat Mohan, senior partner at AMRG & Associates, said healthcare services provided by a clinical facility have enjoyed tax neutral status under Indian tax laws for decades.

The government has now notified that all such clinical establishments, including hospitals, nursing homes and sanatoriums, will be required to pay a tax on gross room rents amounting to more than Rs 5,000 per day.

“The striking question that comes to mind regarding the amendment is that since the treatment provided by medical establishments is a composite supply, different elements of the transaction in question cannot be artificially vivisected to impose new tax liabilities. underlying notification appears to be ultra vires the section 8 provision which imposes a single tax on all composite supply transactions,” Mohan added.

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