united states – Sail Theory http://sailtheory.com/ Wed, 16 Mar 2022 18:53:00 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://sailtheory.com/wp-content/uploads/2021/06/icon-2021-06-25T011712.182-150x150.png united states – Sail Theory http://sailtheory.com/ 32 32 Milan John Vano, 89, wild https://sailtheory.com/milan-john-vano-89-wild/ Wed, 16 Mar 2022 18:15:22 +0000 https://sailtheory.com/milan-john-vano-89-wild/ September 17, 1932 – March 14, 2022 The funeral service for Milan John Vano, 89, will be held at 10:30 a.m., Friday, March 18, 2022, at Ascension Lutheran Church in Burnsville, MN. It will be preceded by a visit from 9:00 a.m. to 10:30 a.m. at the church. Pastor Joel Vano will officiate, followed by […]]]>

September 17, 1932 – March 14, 2022

The funeral service for Milan John Vano, 89, will be held at 10:30 a.m., Friday, March 18, 2022, at Ascension Lutheran Church in Burnsville, MN. It will be preceded by a visit from 9:00 a.m. to 10:30 a.m. at the church. Pastor Joel Vano will officiate, followed by interment at 3:30 p.m. at Trinity Cemetery in Long Prairie. Arrangements have been entrusted to Williams Dingmann Funeral Home in Long Prairie.

Milan died March 14 at his home in Savage, MN. He was born on September 17, 1932 to John and Maria (Kubik) Vano in Chicago, Illinois. He graduated from Washburn High School in Minneapolis and later attended Concordia College first in St. Paul and then in River Forest, Illinois, where he earned his bachelor’s degree. His first teaching job was in Mayville, WI. While teaching there, he received a call from Trinity Lutheran School. Accepting the teaching job at Long Prairie allowed him to meet the love of his life, Gloria Sadlovsky. When Gloria moved to St. Paul to attend business school, Milan took on a new teaching job to be closer to her. They were married at Trinity Lutheran Church on June 7, 1959. Their honeymoon was a three-month adventure filled with hiking and camping across Europe. New teaching opportunities brought them to Grand Junction, CO and Sparta, WI. Milan then completed her Masters in Art Education at the University of Wisconsin-Higher. After moving to Prescott, they were blessed with two children, Joel and Dawnelle. The remaining time of his 35-year career was spent teaching art in Hastings public schools. In 1976 he received the Teacher of the Year award before retiring in 1992.

He shared his artistic gifts through painting, drawing, sculpture and stained glass design. Her love for nature manifested itself in hiking, biking, cross-country skiing and sailing. He loved to travel, which often included camping in national parks across the United States. One of his favorite hobbies was flying homemade radio-controlled gliders. The accordion and harmonica were his instruments of choice in his musical ministry at various events and health centers.

Milan was anchored by a strong Christian faith, and it showed in the way he lived his life. With humility, patience and humour, Milan was able to share these talents with many people. He seizes every opportunity to be close to those who are dearest to him. He made it a priority to share his time and love with his family and friends. It brought him great joy and left each of them with many special memories and a lasting example of what it means to be devoted to Jesus. Milan wanted everyone to have the sure hope of believing in Jesus. As Jesus said, “I am the resurrection and the life. Whoever believes in me, even if he dies, will live” (John 11:25).

Milan is survived by his wife, Gloria; son, Joel (Judy) of Savage, MN; daughter, Dawnelle (Lee Nesbitt) Engesser of Prescott, WI; Joseph Engesser of Red Wing, MN; brothers, Andrew (Sally) of Carlos, MN and Joseph (Shirley) of Rapid City, SD; grandchildren, Jared, Kyle (Wendy) and Ryan Engesser, Jessica (Nicholas) Anderson; Jordan (Paige) Vano and her great-grandchildren, Soteria, Josiah and Ezekiel Anderson.

He is predeceased by his parents, John and Maria Vano.

]]>
Improving financial health: a win-win situation for banks and their customers https://sailtheory.com/improving-financial-health-a-win-win-situation-for-banks-and-their-customers/ Tue, 15 Mar 2022 17:09:22 +0000 https://sailtheory.com/improving-financial-health-a-win-win-situation-for-banks-and-their-customers/ By Uday Akkaraju, CEO of BOND.AI Today, 66% of Americans in the United States have financial health problems and 14% are considered downright vulnerable – in other words, the majority of people living in the United States cannot plan their lives in full. financial freedom. At the same time, financial institutions collect their customers’ transaction […]]]>

By Uday Akkaraju, CEO of BOND.AI

Today, 66% of Americans in the United States have financial health problems and 14% are considered downright vulnerable – in other words, the majority of people living in the United States cannot plan their lives in full. financial freedom.

At the same time, financial institutions collect their customers’ transaction data, make loans and set interest rates – holding the assets for people’s financial health: their economic data.

Here’s why and how banks should use customer data, tailor their offerings to customers’ financial needs, and in turn generate higher revenue.

The challenges of financial health

The most pressing issues for people struggling financially are payday loans and their high interest rates. On average, payday lenders charge $520 in fees to borrow $375. Having to opt for non-traditional means of financial support, they ironically have to pay more than others when they borrow money, while their financial room for maneuver is less. By paying attention to just a handful of metrics, banks are excluding millions of low-income and middle-class customers from improving their financial health – and the cycle continues.

Standardized products also prevent consumers from improving their financial health. Financial institutions offer a range of standard products and loans and use basic data analysis to set interest rates or deposit payments. And even retailers that offer more diverse credit options to consumers, like Buy Now Pay Later (BNPL), are now having significant problems with their credit programs because most users are in debt and unaware of their financial situation.

But what if the solution could lie in the collection of financial data and its more relevant analysis?

How consumer data can help improve financial well-being

To overcome the precarious financial situation of modern Americans, banks must stop looking at past credits, years of financial history, or debt-to-credit ratios to combat skewed credit scores and interest rates. Behavioral data, such as spending habits and economic patterns, will provide a more accurate picture of people’s ability to repay their loans or use their credit cards responsibly. Low income does not necessarily represent a consumer’s ability to pay bills on time – it requires deeper knowledge to adjust to a fair credit score.

Artificial intelligence (AI) data analysis can categorize customer profiles based on their behavior and financial capabilities. By continuously updating these customer profiles, the algorithm will understand patterns and deviations and give recommendations to consumers as well as banks. Suppose a customer’s account shows diaper purchases and high credit card spending – he may have a new member in his family. To support them, their bank may offer a higher credit card limit or extend the repayment term. Personalized products appeal to customers.

But even the smartest analytics couldn’t paint a full picture of a consumer’s financial and health needs — after all, a consumer’s personal preferences don’t necessarily show up in transactional data. Technologies such as conversational chatbots take the pulse and provide deeper insights into financial aptitude. Advanced conversational AI can communicate with customers and ask questions like, “Tomorrow you get $2,000. You can spend it on a language course, a new TV, or a new pair of eyeglasses. do you choose?”

Why customer-centric thinking is the only solution

In the financial world, customer retention, acquisition and satisfaction are not only linked to quick and easy transactions, but to the experience of optimizing one’s financial situation. Banks with a customer-centric business model will create solid long-term value by building customer engagement and trust. The science is simple: a bank that reminds people of their debts every day leaves them with a bad conscience and negative feelings. A bank that actively helps find the best financial tool to meet economic challenges and is sensitive to individual obstacles is a bank that a customer is unlikely to trade for a competitor.

Today’s challenges require modern technologies and an openness to disruptive thinking. Financial institutions that overcome outdated methods of data collection and analysis and focus their business model on the customer will attract a much larger audience and improve the economic situation of their customers. By doing so, banks will also improve their bottom line – and improving financial health will become a win-win situation for everyone.

This article was submitted by an external contributor and may not represent the views and opinions of Benzinga.

© 2022 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.

]]>
Global Drug Integrated Polymer Fiber Market Research Analysis 2022 – TissueGen, Micro Engineering Solutions Integrated Polymer Solutions https://sailtheory.com/global-drug-integrated-polymer-fiber-market-research-analysis-2022-tissuegen-micro-engineering-solutions-integrated-polymer-solutions/ Tue, 15 Mar 2022 10:13:49 +0000 https://sailtheory.com/global-drug-integrated-polymer-fiber-market-research-analysis-2022-tissuegen-micro-engineering-solutions-integrated-polymer-solutions/ MarketsandResearch.biz distributed another exploration named Global drug-integrated polymer fiber market from 2022 to 2028which incorporates local and global market information and is expected to profit somewhere between 2022 and 2028. Additional information is located using hierarchical and basic strategies, just like verifiable revenue and trading volume. Exploration then proceeds to recognize and break down evolving […]]]>

MarketsandResearch.biz distributed another exploration named Global drug-integrated polymer fiber market from 2022 to 2028which incorporates local and global market information and is expected to profit somewhere between 2022 and 2028. Additional information is located using hierarchical and basic strategies, just like verifiable revenue and trading volume.

Exploration then proceeds to recognize and break down evolving elements of the market, emerging patterns, as well as key market drivers, difficulties, openings and limitations. The critical finishes of the review, for example, the main reasons why companies are upgrading the store network deception before very long, are presented in the reports after the section. It focuses on a few fundamental elements of current compensation in the company.

DOWNLOAD FREE SAMPLE REPORT: https://www.marketsandresearch.biz/sample-request/280760

This market is quite inspected in the review. Market definition, orders, applications, engagement, and overall patterns of the Drug Integrated Polymer Fibers industry are totally enveloped in this survey. Market Breakdown by Types:

  • polylactic acid
  • Polydioxanone
  • Polycaprolactone

The report also incorporates the part to be precise:

  • Medication administration
  • Orthopedic sutures
  • Vascular stents
  • Vascular grafts
  • Healing of skin wounds

Following are the major parts of the drug integrated polymer fibers market:

  • TissueGen
  • Micro-engineering solutions
  • Integrated polymer solutions

The survey covers the company’s main geographies, such as

  • North America (United States, Canada and Mexico)
  • Europe (Germany, France, UK, Russia, Italy and Rest of Europe)
  • Asia-Pacific (China, Japan, Korea, India, Southeast Asia and Australia)
  • South America (Brazil, Argentina, Colombia and rest of South America)
  • Middle East and Africa (Saudi Arabia, United Arab Emirates, Egypt, South Africa and Rest of Middle East and Africa)

ACCESS FULL REPORT: https://www.marketsandresearch.biz/report/280760/global-drug-integrated-polymer-fibers-market-2022-by-manufacturers-regions-type-and-application-forecast-to-2028

The main lessons from the statistical survey are as follows:

  • The report also memorizes pie metrics by industry type, benefit rating, and creation development.
  • Identification of the competitive landscape of the Polymer Fibers Integrated in Drugs Market
  • Other survey findings that will affect the pay range in the Drug Integrated Polymer Fibers Market.

Report customization:

This report can be customized to meet customer requirements. Please contact our sales team (sales@marketsandresearch.biz), who will ensure that you get a report tailored to your needs. You can also get in touch with our executives at 1-201-465-4211 to share your research needs.

Contact us
mark the stone
Business Development Manager
Call: 1-201-465-4211
E-mail: sales@marketsandresearch.biz

]]>
Exclusive: World faces food crisis due to war in Ukraine, says Russian billionaire Melnichenko https://sailtheory.com/exclusive-world-faces-food-crisis-due-to-war-in-ukraine-says-russian-billionaire-melnichenko/ Tue, 15 Mar 2022 00:03:00 +0000 https://sailtheory.com/exclusive-world-faces-food-crisis-due-to-war-in-ukraine-says-russian-billionaire-melnichenko/ The global food crisis is brewing – Russian billionaire The war in Ukraine must end – Melnichenko Many farmers have already exhausted the price of fertilizer Russia suspends fertilizer exports LONDON, March 14 (Reuters) – A global food crisis threatens if the war in Ukraine is not stopped as fertilizer prices soar so fast that […]]]>
  • The global food crisis is brewing – Russian billionaire
  • The war in Ukraine must end – Melnichenko
  • Many farmers have already exhausted the price of fertilizer
  • Russia suspends fertilizer exports

LONDON, March 14 (Reuters) – A global food crisis threatens if the war in Ukraine is not stopped as fertilizer prices soar so fast that many farmers can no longer afford soil nutrients, the Russian fertilizer and coal billionaire Andrei Melnichenko.

Several of Russia’s wealthiest businessmen have publicly called for peace since President Vladimir Putin ordered the February 24 invasion, including Mikhail Fridman, Pyotr Aven and Oleg Deripaska. Read more

The United States and its European allies called Putin’s invasion an imperial-style land grab.

Join now for FREE unlimited access to Reuters.com

They sanctioned Russian businessmen – including EU sanctions against Melnichenko, froze state assets and cut off much of Russia’s business sector from the global economy in a bid to force Putin to to change direction.

Putin refuses. He called the war a special military operation aimed at ridding Ukraine of dangerous nationalists and Nazis.

“The events in Ukraine are truly tragic. We urgently need peace,” Melnichenko, 50, Russian but born in Belarus and of a Ukrainian mother, told Reuters in a statement emailed by his spokesman.

“One of the casualties of this crisis will be agriculture and food,” he said.

Melnichenko is the founder of EuroChem, one of Russia’s largest fertilizer producers, which moved to Zug, Switzerland, in 2015, and SUEK, Russia’s largest coal producer.

Russia’s invasion of Ukraine has killed thousands, displaced more than 2 million and raised fears of a wider confrontation between Russia and the United States, the world’s two largest nuclear powers.

FOOD WAR?

Putin said last Thursday that food prices would rise globally due to soaring fertilizer prices if the West created problems for Russian fertilizer exports, which account for 13% of global production.

Russia is a major producer of fertilizers containing potash, phosphate and nitrogen – the main nutrients for crops and soils. EuroChem, which produces nitrogen, phosphates and potash, claims to be one of the top five fertilizer companies in the world.

The war “has already led to a spike in fertilizer prices that are no longer affordable for farmers,” Melnichenko said.

Russian billionaire Andrei Melnichenko attends a Russian Business Week session, organized by the Russian Union of Industrialists and Entrepreneurs (RSPP), in Moscow, Russia February 9, 2018. REUTERS/Sergei Karpukhin

Food supply chains already disrupted by COVID-19 were now even more distressed.

“Now this will lead to even higher food inflation in Europe and likely food shortages in the world’s poorest countries,” he said.

The Russian Ministry of Trade and Industry asked the country’s fertilizer producers to temporarily suspend exports earlier this month.

International food and feed prices could rise by up to 20% due to the conflict in Ukraine, causing an increase in global malnutrition, the United Nations food agency said on Friday. Read more

PHYSICS STUDENT

Melnichenko, who was just 19 when the Soviet Union collapsed, started trading foreign currencies while studying physics at Moscow State University.

A mathematician who once dreamed of becoming a physicist, Melnichenko dropped out of college to delve into the chaotic – and sometimes deadly – ​​world of post-Soviet affairs.

He founded MDM Bank, but in the 1990s he was still too minor to participate in privatizations under President Boris Yeltsin, which handed over the best assets of a former superpower to a group of businessmen who would become known under the name of oligarchs because of their political and economic weight. .

Melnichenko then began buying up often struggling coal and fertilizer assets. His fortune in 2021 was estimated by Forbes at $18 billion, making him the eighth richest man in Russia.

The European Union on Wednesday sanctioned Melnichenko for the Russian invasion. He said his participation in a Kremlin meeting with Putin and 36 businessmen organized by the Russian Union of Industrialists and Entrepreneurs showed that he was “one of the leading businessmen involved in the sectors economic”.

Melnichenko “has no connection with the tragic events in Ukraine. He has no political affiliation,” his spokesperson said.

“Drawing a parallel between attending a meeting by becoming a member of a works council, as dozens of businessmen from Russia and Europe have done in the past, and undermining or threatening a country is absurd and senseless,” the spokesperson said, adding Melnichenko will challenge the sanctions.

On March 9, Melnichenko resigned as a board member and non-executive director of EuroChem and SUEK, and stepped down as a beneficiary, the spokesperson said. EuroChem has production assets in Russia, Lithuania, Belgium, Brazil and Kazakhstan.

Italian police last week seized his yacht – the 143-metre (470ft) Sailboat A – which has a price tag of 530 million euros ($578 million).

Join now for FREE unlimited access to Reuters.com

Reporting by Guy Faulconbridge; Editing by Susan Fenton and Angus MacSwan

Our standards: The Thomson Reuters Trust Principles.

]]>
World faces food crisis due to war in Ukraine, says Russian king of fertilizers and coal https://sailtheory.com/world-faces-food-crisis-due-to-war-in-ukraine-says-russian-king-of-fertilizers-and-coal/ Mon, 14 Mar 2022 07:33:16 +0000 https://sailtheory.com/world-faces-food-crisis-due-to-war-in-ukraine-says-russian-king-of-fertilizers-and-coal/ LONDON — A global food crisis threatens unless the war in Ukraine is stopped because fertilizer prices are rising so fast that many farmers can no longer afford soil nutrients, Russia’s king of coal and fuels said on Monday. fertilizer Andrei Melnichenko. Several of Russia’s wealthiest businessmen have publicly called for peace since President Vladimir […]]]>

LONDON — A global food crisis threatens unless the war in Ukraine is stopped because fertilizer prices are rising so fast that many farmers can no longer afford soil nutrients, Russia’s king of coal and fuels said on Monday. fertilizer Andrei Melnichenko.

Several of Russia’s wealthiest businessmen have publicly called for peace since President Vladimir Putin ordered the February 24 invasion, including Mikhail Fridman, Pyotr Aven and Oleg Deripaska.

The United States and its European allies have called Putin’s invasion an imperial-style land grab that has so far been poorly executed because Moscow underestimated Ukrainian resistance and Western willingness to punish Russia. .

The West has sanctioned Russian businessmen, including European Union sanctions against Melnichenko, frozen state assets and cut off much of Russia’s business sector from the global economy in an effort to force Putin to change course.

Putin refuses. He called the war a special military operation aimed at ridding Ukraine of dangerous nationalists and Nazis.

“The events in Ukraine are truly tragic. We urgently need peace,” Melnichenko, 50, Russian but born in Belarus and of a Ukrainian mother, told Reuters in a statement emailed by his spokesperson.

“Agriculture and food will be one of the casualties of this crisis,” said Melnichenko, who founded EuroChem, Russia’s largest ammonium nitrate producer, based in Zug, Switzerland, and SUEK, Russia’s largest coal producer.

Russia’s invasion of Ukraine has killed thousands, displaced more than 2 million and raised fears of a wider confrontation between Russia and the United States, the world’s two largest nuclear powers.

FOOD WAR?

Putin warned on Thursday that food prices would rise globally due to soaring fertilizer prices if the West created problems for Russian fertilizer exports – which account for 13% of global production.

Russia is a major producer of fertilizers containing potash, phosphate and nitrogen – the main nutrients for crops and soils. EuroChem, which produces nitrogen, phosphates and potash, claims to be one of the top five fertilizer companies in the world.

The war “has already led to a spike in fertilizer prices that are no longer affordable for farmers,” Melnichenko said.

He said food supply chains already disrupted by COVID were now even more distressed.

“Now this will lead to even higher food inflation in Europe and likely food shortages in the world’s poorest countries,” he said.

The Russian Ministry of Trade and Industry asked the country’s fertilizer producers to temporarily suspend exports earlier this month.

PHYSICS STUDENT

Melnichenko, who was just 19 when the Soviet Union collapsed, started trading foreign currencies while studying physics at the prestigious Moscow State University.

A gifted mathematician who once dreamed of becoming a physicist, Melnichenko dropped out of college to delve into the chaotic – and sometimes deadly – ​​world of post-Soviet affairs.

He founded MDM Bank, but in the 1990s he was still too minor to participate in privatizations under President Boris Yeltsin, which handed over the best assets of a former superpower to a group of businessmen who would become known under the name of oligarchs because of their political and economic weight. .

Melnichenko then began buying up often struggling coal and fertilizer assets. His fortune in 2021 was estimated by Forbes at $18 billion, making him the eighth richest man in Russia.

The European Union on Wednesday sanctioned Melnichenko for the Russian invasion. He said his participation in a Kremlin meeting with Putin and 36 businessmen organized by the Russian Union of Industrialists and Entrepreneurs showed that he was “one of the leading businessmen involved in the sectors economic”.

Melnichenko “has no connection with the tragic events in Ukraine. He has no political affiliation,” his spokesperson said.

“Drawing a parallel between attending a meeting by becoming a member of a works council, as dozens of businessmen from Russia and Europe have done in the past, and undermining or threatening a country is Absurd and senseless,” the spokesperson said, adding Melnichenko will challenge the sanctions.

On March 9, Melnichenko resigned as a board member and non-executive director of EuroChem and SUEK, and stepped down as a beneficiary, the spokesperson said.

Italian police last week seized Melnichenko’s yacht – the 143-metre (470ft) Sailboat A – which has a price tag of 530 million euros ($578 million).

(Reporting by Guy Faulconbridge; Editing by Kim Coghill and Raju Gopalakrishnan)

]]>
Geotechnical Drilling and Mineral Exploration Drilling Market Trends by 2026 with Major Key Players – SANYHE International Holdings, Furukawa Rock Drill, Akkerman, Herrenknecht AG and IHI https://sailtheory.com/geotechnical-drilling-and-mineral-exploration-drilling-market-trends-by-2026-with-major-key-players-sanyhe-international-holdings-furukawa-rock-drill-akkerman-herrenknecht-ag-and-ihi/ Sun, 13 Mar 2022 18:00:12 +0000 https://sailtheory.com/geotechnical-drilling-and-mineral-exploration-drilling-market-trends-by-2026-with-major-key-players-sanyhe-international-holdings-furukawa-rock-drill-akkerman-herrenknecht-ag-and-ihi/ This Global Geotechnical Drilling and Mineral Exploration Drilling Market is an attempt to analyze the global opportunities in the field of the worldwide industry, its present capabilities and the potential of the selected countries and regions in the market. The report to businesses and companies provides a better understanding of their ability to invest in […]]]>

This Global Geotechnical Drilling and Mineral Exploration Drilling Market is an attempt to analyze the global opportunities in the field of the worldwide industry, its present capabilities and the potential of the selected countries and regions in the market. The report to businesses and companies provides a better understanding of their ability to invest in the market. The report provides the most critical issues for the companies of the leading organizations in the Global Geotechnical Drilling and Mineral Exploration Drilling market around the world. The report aims to explain to market players the business outlook, key developments, and drivers of the global Geotechnical Drilling and Mineral Exploration Drilling market.

Geotechnical Drilling and Mineral Exploration Drilling market challenges and opportunities are presented in the report. The report highlights critical value chain destinations of the global geotechnical drilling and mineral exploration drilling market. The report also highlights the issues and concerns of local and foreign players in the market and provides recommendations for policymakers and actions for industrialists to grow in the global Geotechnical Drilling and Mineral Exploration Drilling market. The report makes projections based on the current global economic scenario. The uncertainties and difficulties faced by players in the Geotechnical Drilling and Mineral Exploration Drilling market are included.

Request a sample report: https://www.orbisresearch.com/contacts/request-sample/5876880

Key Players of Global Geotechnical Drilling and Mineral Exploration Drilling Market:

Herrenknecht AG
IHI
Akkerman
SANYHE International Holdings
Furukawa rock drill
DH Mining System (dhms)
Railway Engineering Society of China
Bessac – Tunnels & Microtunnels
China communications construction company
Sandvik construction
Atlas-Copco
Astec Industries
GHH mining machinery
Hitachi Zosen

Points covered in the Geotechnical Drilling and Mineral Exploration Drilling market report:

• Overview of the global geotechnical drilling and mineral exploration drilling market by studying different segments.
• The employment contribution of the global geotechnical drilling and mineral exploration drilling market to economies around the world.
• The economic contribution of the global geotechnical drilling and mineral exploration drilling market to economies around the world.
• Key players’ marketing approaches to attract foreign geotechnical drilling and mineral exploration drilling markets.
• National and global regulatory constraints faced by players in the geotechnical drilling and mineral exploration drilling market.
• Global and/or regional trends in the geotechnical drilling and mineral exploration drilling industry in selected countries.
• Financial information and market information of the capital of geotechnical drilling and mineral exploration drilling are provided in the report.

The geotechnical drilling and mineral exploration drilling industry type includes:

Geotechnical drilling
Mineral exploration drilling

Geotechnical drilling and mineral exploration industry applications include:

Down
Offshore

This report analyzes the recent Geotechnical Drilling and Mineral Exploration industry trends along with the production chain, consumption patterns, regional and international level business activities and other industry related fields. The report emphasizes the potential of the global geotechnical drilling and mineral exploration drilling market in developed countries. The data used to study all the factors of the Global Geotechnical Drilling and Mineral Exploration Drilling Market uses the data from 2010 to 2020 also considering the latest year for performing the analysis. The report compares the growth rates of the strongest segments and consumption and production patterns. The report provides a detailed study of the performance of major Geotechnical Drilling and Mineral Exploration Drilling markets on national and global fronts. Additionally, the report highlights the countries with the greatest potential for future growth.

Investigate before accessing the report at: https://www.orbisresearch.com/contacts/enquiry-before-buying/5876880

Why Buy This Geotechnical Drilling and Mineral Exploration Drilling Market Report?

• This report helps Geotechnical Drilling and Mineral Exploration Drilling market players to strengthen their market position, improve their business, reach markets and gain competitive advantages.
• The Geotechnical Drilling and Mineral Exploration Drilling report focuses on the strategies implemented by the manufacturers in their operations, purchasing, and supply chain management.
• The report leverages the capabilities of Geotechnical Drilling and Mineral Exploration Drilling market players to seize new opportunities.
• The report provides supply chain visibility to empower geotechnical drilling and mineral exploration drilling market players looking to expand their business into new international markets.
• The Geotechnical Drilling and Mining Exploration Drilling report compares the growth rates of the strongest segments and consumption and production patterns.
• The supply chain visibility provided in this report helps in understanding the global Geotechnical Drilling & Mineral Exploration Drilling market drivers and helps them maintain their leading position in the global Geotechnical Drilling & Mineral Exploration Drilling market of mineral exploration during the forecast years.

About Us:

Orbis Research (orbisresearch.com) is a one-stop-shop for all your market research needs. We have an extensive database of reports from leading publishers and authors around the world. We specialize in delivering customized reports according to our clients’ requirements. We have complete information about our publishers and therefore are sure of the accuracy of the industries and verticals of their specialization. This helps our clients map their needs and we produce the perfect market research required for our clients.

Contact us:

Hector Costello
Senior Manager – Client Engagements
Central Highway 4144N,
Suite 600, Dallas,
Texas – 75204, USA
Telephone number: United States: +1 (972)-362-8199 | IND: +91 895 659 5155
Email ID: [email protected]

Buy the full report at: https://www.orbisresearch.com/contact/purchase-single-user/5876880

]]>
LiDAR Market Size and Forecast https://sailtheory.com/lidar-market-size-and-forecast/ Fri, 11 Mar 2022 23:23:47 +0000 https://sailtheory.com/lidar-market-size-and-forecast/ New Jersey, United States,- This LiDAR market The report is the product of in-depth market research and commentary on important factors that influence financial decisions. Here useful information about customer demands are provided in order to launch the best product or service in the market. The adverse effects of COVID-19 on the global economic system […]]]>

New Jersey, United States,- This LiDAR market The report is the product of in-depth market research and commentary on important factors that influence financial decisions. Here useful information about customer demands are provided in order to launch the best product or service in the market. The adverse effects of COVID-19 on the global economic system are also captured in this way. Due to the pandemic, some companies have suffered considerable financial losses. Several companies are struggling to emerge from the deteriorated situation of COVID-19. This LiDAR Market report covers the major patterns affecting every industry throughout the pandemic. It then discusses important goals, pricing strategies, and ways to help market players thrive, in addition to providing useful data. Stimulating economic activity is simple using the insights from this market research.

Get Sample Full PDF Copy of Report: (Including Full TOC, List of Tables & Figures, Chart) @ https://www.verifiedmarketresearch.com/download-sample/?rid=6626

Statistical surveys offer a legitimate perspective of the industry, market size and development, future patterns and trading. These are considered while curating this LiDAR market report with the encrypted period from 2022 to 2029. This report contains a total and conventional market situation along with the variables that may affect it adversely. It also comprehensively outlines a serious examination alongside key profiles and techniques they receive in the market to keep their situation abreast. This LiDAR Market report covers the general objectives and adapts with the latest developments that are likely to influence the market circumstances to a great extent. All data regarding COVID-19 and its impact that distinct industry sectors are facing is being memorized for the global market report. Some concise and broad regions are comprehensively contained and clarified for newbie business visionaries who want to understand the market and derive productive increases from it.

Key Players Mentioned in the LiDAR Market Research Report:

Exploration, Urban Planning, Environment, ADAS & Driverless Cars, Corridor Mapping, Engineering, Cartography, Meteorology, Others.

Segmentation of the LiDAR market:

LiDAR Market, By Component

• Laser scanners
• Navigation and positioning systems
• Other components

LiDAR Market, By Type

• Mechanical LiDAR
• Solid state LiDAR

LiDAR Market, by Installation

• Airborne
• On the ground

LiDAR market, by range

• Short
• Average
• Big

LiDAR market, by service

• Aerial survey
• Ground surveying
• Other services
• Asset Management
• GIS Services

LiDAR Market, By Application

• Explore
• Urban planning
• Environment
• ADAS and driverless cars
• Corridor mapping
• Engineering
• Cartography
• Meteorology
• Others

Get a discount on the purchase of this report @ https://www.verifiedmarketresearch.com/ask-for-discount/?rid=6626

Scope of the LiDAR Market Report

ATTRIBUTES DETAILS
ESTIMATED YEAR 2022
YEAR OF REFERENCE 2021
FORECAST YEAR 2029
HISTORICAL YEAR 2020
UNITY Value (million USD/billion)
SECTORS COVERED Types, applications, end users, and more.
REPORT COVER Revenue Forecast, Business Ranking, Competitive Landscape, Growth Factors and Trends
BY REGION North America, Europe, Asia-Pacific, Latin America, Middle East and Africa
CUSTOMIZATION SCOPE Free report customization (equivalent to up to 4 analyst business days) with purchase. Added or changed country, region and segment scope.

Determining the pulse of the market becomes easy with this detailed analysis of the LiDAR market. Key players can find all competitive data and market size of major regions like North America, Europe, Latin America, Asia-Pacific and Middle East. As part of the competitive analysis, certain strategies are profiled which are pursued by key players such as mergers, collaborations, acquisitions and new product launches. These strategies will greatly help industry players to strengthen their position in the market and grow their business.

Answers to key questions in the report:

1. Who are the Top Five LiDAR Market Players?

2. How will the LiDAR market evolve in the next five years?

3. Which products and applications will occupy the lion’s share of the LiDAR market?

4. What are the LiDAR Market Drivers and Restraints?

5. Which regional market will show the strongest growth?

6. What will be the CAGR and size of the LiDAR market throughout the forecast period?

For more information or query or customization before buying, visit @ https://www.verifiedmarketresearch.com/product/global-lidar-market/

Visualize the LiDAR market using verified market intelligence:-

Verified Market Intelligence is our BI platform for market narrative storytelling. VMI offers in-depth forecast trends and accurate insights on over 20,000 emerging and niche markets, helping you make critical revenue-impacting decisions for a bright future.

VMI provides a global overview and competitive landscape with respect to region, country and segment, as well as key players in your market. Present your market report and results with an integrated presentation function that saves you more than 70% of your time and resources for presentations to investors, sales and marketing, R&D and product development. products. VMI enables data delivery in Excel and interactive PDF formats with over 15+ key market indicators for your market.

Visualize the LiDAR market using VMI@ https://www.verifiedmarketresearch.com/vmintelligence/

About Us: Verified Market Research®

Verified Market Research® is a leading global research and advisory firm that for over 10 years has provided advanced analytical research solutions, personalized advice and in-depth data analysis to individuals and businesses seeking accurate research, reliable and up to date. data and technical advice. We provide insight into strategic and growth analytics, the data needed to achieve business goals, and help make critical revenue decisions.

Our research studies help our clients make superior data-driven decisions, understand market forecasts, capitalize on future opportunities, and maximize efficiency by working as a partner to deliver accurate and valuable insights. The industries we cover span a wide spectrum, including technology, chemicals, manufacturing, energy, food and beverage, automotive, robotics, packaging, construction, mining and the gas. etc

At Verified Market Research, we help in understanding holistic market indicator factors and most current and future market trends. Our analysts, with their deep expertise in data collection and governance, use industry techniques to gather and review data at all stages. They are trained to combine modern data collection techniques, superior research methodology, subject matter expertise and years of collective experience to produce informative and accurate research.

Having served over 5000 clients, we have provided reliable market research services to over 100 Global Fortune 500 companies such as Amazon, Dell, IBM, Shell, Exxon Mobil, General Electric, Siemens, Microsoft, Sony and Hitachi. We have co-consulted with some of the world’s leading consulting firms such as McKinsey & Company, Boston Consulting Group, Bain and Company for custom research and consulting projects for companies around the world.

Contact us:

Mr. Edwyne Fernandes

Verified Market Research®

USA: +1 (650)-781-4080
UK: +44 (753)-715-0008
APAC: +61 (488)-85-9400
US toll free: +1 (800)-782-1768

E-mail: [email protected]

Website:- https://www.verifiedmarketresearch.com/

]]>
Major League Soccer secures $25m loan from black bank syndicate https://sailtheory.com/major-league-soccer-secures-25m-loan-from-black-bank-syndicate/ Thu, 10 Mar 2022 17:26:00 +0000 https://sailtheory.com/major-league-soccer-secures-25m-loan-from-black-bank-syndicate/ Major League Soccer today announced what is being hailed as a landmark $25 million loan to a syndicate of black banks to encourage more investment in black-owned businesses and communities. It is the first time that a professional sports league has participated in a major business transaction exclusively with black banks, and is facilitated by […]]]>

Major League Soccer today announced what is being hailed as a landmark $25 million loan to a syndicate of black banks to encourage more investment in black-owned businesses and communities.

It is the first time that a professional sports league has participated in a major business transaction exclusively with black banks, and is facilitated by the non-profit National Black Bank Foundation (NBBF).

The move, one of many made by MLS to address inequality issues over the past two years, is driven by a set of stark numbers. According to the NBBF, there are currently only 21 black-owned banks in the United States, down from 36 a decade ago. Together, these banks control $4.8 billion, or less than 1%, of the nation’s banking assets, limiting the flow of capital to black communities. Meanwhile, about half of black families nationwide are unbanked or underbanked, studies show, compared to 15% among white families.

The loan aims to expand Black Americans’ ability to access credit and grow their wealth by creating lending capacity for home and small business loans.

According to Zillow, black applicants in 2020 were denied mortgages at an 84% higher rate than white applicants, an increase of 10 percentage points since 2019. Lack of access to essential financial services has forced black households to resort to alternatives like check-cashing services, payday loans, money orders and prepaid credit cards, with high interest rates and fees.

MLS will work with the National Black Bank Foundation, 100 Black Men of America, the National Coalition of 100 Black Women and Black Players for Change to “educate their constituents and members about economic empowerment programs,” according to an announcement.

The syndication team facilitating the deal includes Alamerica Bank of Birmingham and Citizens Trust Bank of Atlanta.

MLS commissioner Don Garber said the partnership would “raise awareness of the importance of black-owned banks and their impact on the economy.”

NBBF co-founder Ashley Bell said the announcement “raised the bar for American businesses.”

“If other leagues and big businesses follow the MLS model, the lives of Black families across the country will change for the better because their local Black bank will have the capital resources to approve historic numbers of home and small business loans.” , Bell said.

]]>
Austin Water Center for Environmental Research Lunchtime Lecture, March 8 https://sailtheory.com/austin-water-center-for-environmental-research-lunchtime-lecture-march-8/ Tue, 08 Mar 2022 18:23:20 +0000 https://sailtheory.com/austin-water-center-for-environmental-research-lunchtime-lecture-march-8/ CER 2022 Lunchtime Conferences Free and open to the public Masks required at all locations CER 2022 lunchtime lectures will focus on Alexander von Humboldt – his life, legacy and rediscovery. We will begin by examining our Western ideas about nature and the study of nature that laid the foundation for Humboldt’s ideas. From there, […]]]>

CER 2022 Lunchtime Conferences

  • Free and open to the public
  • Masks required at all locations

CER 2022 lunchtime lectures will focus on Alexander von Humboldt – his life, legacy and rediscovery. We will begin by examining our Western ideas about nature and the study of nature that laid the foundation for Humboldt’s ideas. From there, we will trace Humboldt’s influence on 19th century science and literature, and his disappearance from 20th century science education in the United States. The year will end by seeing how Humboldt’s legacy reappears in the 21st century within environmentalism, environmental science and the idea of ​​the Anthropocene. Join us for a year of “Humboldtian science” and Alexander von Humboldt!

  • What: March lunchtime conference on environmental research – Ecological imperialism and the geography of nature
  • When: March 8, 2022, 12 p.m.-1 p.m.
  • Or: Austin Water Center for Environmental Research at Hornsby Bend, 2210 South FM 973, Austin, Texas
  • Other info: Free, open to the public; Mandatory masks

Dr. Kevin M. Anderson, Austin Water Center for Environmental Research; Alexander von Humboldt: Culture, Science and Geography of Nature

In 1798, Alexander von Humboldt (1769-1859) was appointed by the King of Spain to carry out the first thorough scientific exploration of Spanish America. Humboldt announced, “I will collect plants and fossils and make astronomical observations. But this is not the main purpose of my expedition, I will try to understand how the forces of nature interact on each other and how the geographical environment influences plant and animal life. In other words, I have to discover the unity of nature.


the REC Lunchtime lectures 2022

Western culture and nature study

Mars – Ecological imperialism and the geography of nature

  • March 8 from noon to 1 p.m. at the AW Center for Environmental Research at Hornsby Bend, 2210 South FM 973, Austin, Texas 78725
  • March 10 12-1 p.m. at PARD Senior Activity Center-Lamar, 2874 Shoal Crest Ave, South Room

April – Physical geography and natural science

  • April 5 12:30-2 p.m. at the University of Texas, Norman Hackerman Building, 100 E 24th St Room 1.720
  • April 12 from 12 p.m. to 1 p.m. at the AW Center for Environmental Research at Hornsby Bend, 2210 South FM 973
  • April 14 12 p.m. to 1 p.m. at Parks and Recreation Senior Activity Center-Lamar, 2874 Shoal Crest Ave, South Room

January – Natural philosophy and the study of nature. Watch the January recording here.

February – Natural History and Taxonomy of Nature. Watch the February recording here.

Consult the complete program of the 2022 lunchtime lectures in PDF on the Center for Environmental Research webpage.


About the program

Austin Water – The University of Texas – Texas A&M University

A partnership for urban ecology and sustainability: community, education, research

Located at Hornsby Bend Biosolids management factory

2210 South FM 973, Austin, TX 78725

]]>
What happened to loans between individuals? https://sailtheory.com/what-happened-to-loans-between-individuals/ Fri, 04 Mar 2022 17:21:26 +0000 https://sailtheory.com/what-happened-to-loans-between-individuals/ Even before Uber disrupted the taxi industry and Airbnb disrupted vacation rentals, the idea of ​​peer-to-peer lending aimed to provide individuals with alternatives to traditional sources of consumer credit, both as borrowers and investors. But the fintech market is constantly changing. We’ll tell you what happened to the concept and how (and if) you can […]]]>

Even before Uber disrupted the taxi industry and Airbnb disrupted vacation rentals, the idea of ​​peer-to-peer lending aimed to provide individuals with alternatives to traditional sources of consumer credit, both as borrowers and investors. But the fintech market is constantly changing. We’ll tell you what happened to the concept and how (and if) you can invest or borrow from a digital lender.

Most companies that started out as online platforms to connect consumers who wanted to borrow money with individual investors who funded loans, also known as peer-to-peer lending, now partner primarily with sources larger funding providers, such as banks and hedge funds, using their artificial intelligence tools to assess creditworthiness. Other players left the company or had regulatory issues. As the business model continues to develop, it is also referred to as market lending or fintech lending.

Nowadays, funding for digital loans by individual investors has been eclipsed in the market by larger sources of funds, according to Nimayi Dixit, fintech analyst for S&P Global Market Intelligence.

Yet the opportunities for individual investors to fund peer-to-peer lending remain, although as with any investment you will need to do your due diligence. Likewise, borrowers should shop around to determine where they can get the best deal, whether on a fintech platform or elsewhere.

How Fintech Loans Work

Dixit defined digital lenders in a report as “non-bank lenders who offer loans to consumers or businesses through digital channels. These lenders have unique funding models with liquidity provided by investors, credit facilities, securitizations or on-balance sheet liquidity.

According to the US Government Accountability Office, most fintech lenders now use a model in which loans come from bank partnerships that allow lenders to operate through bank charters rather than state lending licenses. This allows them to charge uniform interest rates nationwide and avoid state lending limits.

Then, fintech lenders buy these loans from banks and resell them to investors or keep them. A small number of fintech lenders issue loans directly and have lending licenses from multiple states. Dixit said few loans are truly peer-to-peer, meaning individual investors only make up a small portion of fintech loans.

To give an example, a leading fintech lender, Prosper, funds around 91% of its loans through what is called its “global lending channel”, or retail funding sources, while less than 10% of the funds come from what they call the “note chain”, noted Dixit. In 2020, the company could have had about $1.5 billion in loans, of which $1.4 billion was funded through the entire lending channel, he said. Peer-to-peer lending “is not a growing segment,” Dixit said, “at least not among the major players.”

Dixit noted that this is even true in the UK, where regulators have tried to foster peer-to-peer lending by treating it as a separate regulatory category and even creating a vehicle to encourage it as a retirement investment.

Digital lending is growing

According to S&P Global, “major fintech players have attracted massive capital and added new product lines and financial services features aimed at further entrenching customers to increase market share and improve profitability. Fintech companies in the United States attracted nearly $7.5 billion in venture capital funding in the second quarter of 2021 through 194 deals, up nearly 70% year-over-year. “The broader market is still strong, but it tends to be dominated by institutions rather than investors,” Dixit said.

The US Government Accountability Office attributes the growth of the fintech lending industry to several factors:

  • Technical innovations such as the use of new data sources allow them to improve response times, speed up loan approvals and facilitate financing.
  • They may cater to unserved market segments, such as people who need small business loans or people with limited credit histories who may not be able to get what they need online. through traditional banks.
  • In some cases, they can provide loans at lower interest rates than banks for debt consolidation, credit card debt, and payday loans.
  • Institutional investors are multiplying, expanding the funding available for lending.
  • Less regulation can provide a competitive advantage as they don’t face the same capital or exam requirements. This also carries risks for the market and could change as some members of Congress have moved towards increased regulatory scrutiny of the industry.

Ted Rossman, senior industry analyst at Bankrate.com, described market lending as a “niche market” that has stabilized after a somewhat bumpy start.

Digital loan and pandemic

The pandemic seemed to slow the growth of fintech loans, at least initially. “During the pandemic, this type of lending first declined when consumers stopped borrowing,” Laura Udis said. responsible for the small dollar market and the installment loan program at the Consumer Finance Protection Bureau. Udis pointed out that its information was based on third-party data, as the CFPB does not directly track this type of information. “I don’t think we have a good idea over the last two years of what the real impact will be.”

She noted, however, that it was “a very fast growing market through 2019”.

But the market rebounded in 2021 and reached higher levels than before the arrival of COVID, according to a report by Dixit for S&P Global Market: the environment, the increase in consumer demand and the decrease in Consumer stimulus measures have created a healthy demand for consumer credit. Retail-focused lenders have been able to operate in this favorable environment without facing some of the headwinds that (small and medium-sized business lending) and student-focused lenders have faced.

In 2021, the report notes, containment measures eased and government stimulus measures diminished as consumer spending increased. This has led to an increase in the demand for credit.

Some fintech lenders are having trouble

Lending Club, which pioneered the market in 2007, moved out of the peer-to-peer lending space, into more traditional financial services after acquiring Radius Bank last year. This followed a 2019 controversy in which the Lending Club paid $2 million in penalties to the Department of Justice and the Securities and Exchange Commission to resolve allegations that it misrepresented if borrowers met requirements. credit.

Then, in 2021, Lending Club was ordered by the Federal Trade Commission to return more than $10 million to more than 15,000 customers who were charged undisclosed fees. The company agreed to pay a total of $18 million to settle the FTC charges. Another digital lender, Avant, was ordered by the FTC in 2019 to return more than $2.7 million to customers who lost money due to “unfair and deceptive loan servicing practices.”

Is the loan between individuals a smart investment?

If you choose to invest in peer-to-peer loans, your rate of return will depend on several factors, including the credit rating of the borrowers you select for your investment. The main major player in the market is now Prosper. (Other players include Upstart, Avant and Marlette.) As for investors, “Prosper says no one who’s done more than 100 loans on their platform has ever lost money,” Rossman said.

The average return, Rossman added, is just over 5%. However, if you decide to invest in loans to people with riskier credit histories, you could see a return of over 14%. “It’s clearly not for everyone,” Rossman noted. But he said investing this way can appeal to the “altruistic” side of some people by providing a way to directly help other consumers.
“I wouldn’t advise putting more money than you can afford to lose in any of these peer-to-peer investments,” Rossman said. But it’s worth considering if you want to further diversify your investments and enjoy the rewards of helping individual borrowers, Rossman said.

Viktoria Krusenvald, CFO of Financer.com Ltd, was more bullish on P2P investing. It is, she says, “a great way for beginners to gain some investment experience and start thinking about their money analytically. It’s far less daunting than investing in stocks and most P2P platforms offer low minimum investment thresholds, giving everyone a chance to think about their money and their future. P2P can be something of a starting point that helps people develop a financial mindset and maybe after gaining some P2P experience they are ready to dive into the stock market.

Should you borrow from a digital lender?

Rossman said digital and peer-to-peer loans are “definitely worth considering” as a borrower. But he said, “You probably won’t get the lowest interest rate.” He encouraged consumers looking for loans to shop and include digital lenders in their menu of selections. Be sure to consider loan origination fees when making your decision.

“Different shots for different people,” Rossman said. “On the borrower side, you probably won’t get the best interest rate, but who knows?

]]>