Tenil http://www.tenil.net/ Thu, 24 Nov 2022 03:47:00 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://www.tenil.net/wp-content/uploads/2021/05/tenil-icon-150x150.png Tenil http://www.tenil.net/ 32 32 Indian markets open higher on indications of slowing US Fed interest rate hike – Tata Consumer, Keystone Realtors, Biocon in brief https://www.tenil.net/indian-markets-open-higher-on-indications-of-slowing-us-fed-interest-rate-hike-tata-consumer-keystone-realtors-biocon-in-brief/ Thu, 24 Nov 2022 03:47:00 +0000 https://www.tenil.net/indian-markets-open-higher-on-indications-of-slowing-us-fed-interest-rate-hike-tata-consumer-keystone-realtors-biocon-in-brief/
  • Sensex and Nifty50 opened in the green for the third day in a row amid positive indices from global markets.
  • The 30-stock Sensex index opened 145 points higher at 61,656 while the Nifty50 opened 58 points at 18,326.
  • According to Goldman Sachs analysts, Nifty50 could reach 20,500 by the end of 2023.
  • Tata Consumer, Keystone Real Estate Agents, Biocon and other actions will be in the spotlight today.

Sensex and Nifty50 opened in the green for the third day in a row amid positive global market indices. It comes after the US Federalrevealed that the central bank is open to the possibility of slowing the pace of interest rate hikes.

SGX Cleveran early indicator of the Indian market’s potential performance, rose 0.47% early Thursday morning.

The 30-stock Sensex index opened 145 points higher at 61,656 while the Nifty50 opened 58 points at 18,326.

On Wednesday, Sensex closed up 92 points at 61,511 while the Nifty50 ended the day up 23 points at 18,267. Over the past five days, Sensex has fallen 0.85% while Nifty50 has slid 0.65%.

“Indian markets may open higher, in line with rising Asian markets today and positive US markets on Wednesday,” said Deepak Jasani, head of retail research at HDFC Securities.

According to Goldman Sachs analysts, Nifty50 could hit 20,500 by the end of 2023, up 12% from current levels. However, the research firm noted that the Indian stock market is less likely to continue to outperform its global peers for the third consecutive year due to rate hikes, weak rupee and sticky inflation.

Asian markets trended higher after US Federal Reserve minutes indicated a slowing pace of interest rate hikes. Japan’s Nikkei 225 rose 1.18%, Taiwan’s TSEC 50 index traded 0.51%, Hong Kong’s Hang Seng rose 0.46% and the Shanghai SE Composite Index of China increased by 0.08%.

Brent crude oil prices fell to $85.2 a barrel on Thursday morning, from $88.2 during
market closes on Wednesday due to reports that the ceiling price of Russian crude oil is higher than expected.

The rupee fell 18 paise to close at 81.85 against the US dollar on Wednesday.

US markets jump on possibility of US Fed slowing interest rate hikes

US markets closed on a positive note on Wednesday after US Federal Reserve meeting minutes revealed that there is scope for a slower pace of interest rate hikes.

The Dow Jones Industrial Average (DJIA) closed up 0.28% at 34,194, while the S&P 500 closed up 0.59% at 4,027. The tech-heavy Nasdaq gained 0, 99% to close at 11,285.

U.S. markets will remain closed Thursday due to Thanksgiving and will close trading at noon Friday on Black Friday.

Stocks to watch on Thursday

Tata Consumer: to acquire popular water brand Bisleri for around ₹7,000,000,000.

Keystone Estate Agents: The real estate company that sells properties under the “Rustomjee” brand is set to make its stock market debut on Thursday. Overall, the ₹635 crore IPO received decent demand from investors in volatile market conditions, being subscribed 2.01 times.

Biocon: Entered into a semi-exclusive partnership with European pharmaceutical company Zentiva to commercialize Liraglutide, a combination drug for the management and treatment of type 2 diabetes and obesity.

Glenmark Pharma: The US FDA has issued a warning letter for the company’s manufacturing plant in Goa.

Adani Power/Tata Power: The Supreme Court upheld the Maharashtra Electricity Regulatory Commission’s award of a ₹7,000 crore contract to Adani Power, dismissing Tata Power’s plea against it.

Stocks under F&O ban

Punjab National Bank is on the F&O banned list today.


Mukesh Ambani’s Jio Financial Services deep pockets and wide reach to challenge Paytm, Bajaj Finance

Women on Nifty500 boards rose from 6% in 2014 to 17.6%, but the pace is slowing

India is set to become the world’s third largest economy ahead of Japan and Germany (S&P)

What you need to know about Christmas loans https://www.tenil.net/what-you-need-to-know-about-christmas-loans/ Tue, 22 Nov 2022 19:42:08 +0000 https://www.tenil.net/what-you-need-to-know-about-christmas-loans/

Our goal at Credible Operations, Inc., NMLS Number 1681276, hereafter referred to as “Credible”, is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders who pay us for our services, all opinions are our own.

Here’s what you need to know about Christmas loans. Learn more about the pros and cons. (Shutterstock)

Paying for Christmas gifts and other holiday-related expenses like food, decorations, and travel can be expensive. This is why many people are looking for Christmas loans. These loans can make it easier to cover those expenses so you can take full advantage of the holiday season.

Here’s everything you need to know about Christmas loans.

If you’re looking for a Christmas loan, Credible lets you view your prequalified personal loan rates from various lenders, all in one place.

What are Christmas loans?

Christmas loans are personal loans you can use for a variety of vacation expenses. Just like other types of personal loans, a Christmas loan can be secured or unsecured. Factors such as your credit score, income, and the lender you choose will determine your terms and eligibility. You’ll need good credit to get the lowest rates and best terms.

How does a Christmas loan work?

With a Christmas loan, you’ll receive a lump sum of money up front and pay it back over time, usually in fixed monthly installments.

Christmas loans are usually offered by online lenders and credit unions. Since each lender has their own eligibility criteria, rates, and terms, it’s a good idea to shop around and compare options.

Keep in mind that some Christmas loans, sometimes called Christmas loans with no credit check, are actually payday loans with exorbitant interest rates of 400% or more. That’s why you want to look for vacation loans that are traditional personal loans and cap their interest rates at 36%.

How much can you borrow with a Christmas loan?

Each lender has their own loan limits for Christmas loans. But in general, you will find that most of them range from $1,000 to $50,000. Your credit score, debt ratio and other factors will determine the amount you will be approved for. If you have good credit, you will probably be able to borrow more than someone with fair or poor credit.

Are you eligible for a Christmas loan?

Although the eligibility criteria for a vacation loan may vary by lender, some common requirements include:

  • Good credit — Unless it’s a no credit check Christmas loan, which is essentially a payday loan, you’ll probably need good to excellent credit. If you don’t have the best credit, you may be able to apply for a co-signer to increase your chances of approval.
  • Low debt-to-income ratio — Your debt-to-income ratio (DTI) is the amount you owe in monthly debt payments relative to your income. Most lenders look for a DTI of no more than 40%.
  • Verifiable income — Some lenders will have a minimum income requirement. Even if you come across one who doesn’t, chances are you’ll need to show proof of income so they know you’ll be able to repay the loan.

Visit Credible for compare personal loan rates from various lenders, without affecting your credit score.

How to take out Christmas loans

If you want to take out a loan for Christmas, follow these steps:

  1. Check your credit. Visit AnnualCreditReport.com or another website that offers free credit reports to check your credit. This way you will know what types of holiday loans you could get approved for.
  2. Compare options. Since there are so many Christmas loans available to choose from, it’s important to get prequalified and explore offers from at least a few different lenders. When evaluating your options, be sure to compare rates, terms, and fees.
  3. Estimate loan costs. Before committing to a holiday loan, make sure you can afford it. You can use a personal loan calculator to do this. Indicate the amount you wish to borrow, your interest rate and your repayment term.
  4. Complete and submit an application. Apply for the holiday loan that fits your budget and your needs. You can usually do this online, but some lenders may allow you to complete the process in person.
  5. Get your funds. Depending on the lender, you may receive your funds within a day or two of approval. Most lenders distribute loans by direct deposit.

Advantages and disadvantages of Christmas loans

Like all financial products, Christmas loans have pros and cons to consider, including:


Christmas loans offer a few potential benefits:


Christmas loans also have some possible downsides to consider, such as:

  • Fewer options for bad credit — If you have fair or poor credit, it may be more difficult to get approved for a Christmas loan with attractive terms. You may have to settle for a higher interest rate.
  • No reward — Unlike many credit cards, vacation loans don’t come with rewards. You may miss cash back, travel points or other benefits.
  • Increase in debt — A vacation loan means you’ll have another payment to deal with. If you’re already struggling financially, you might want to think twice about withdrawing one.
  • Costs – Some lenders charge fees for holiday loans, such as origination fees or a prepayment penalty. These additional costs can add up to increase your debt burden.

What are the other ways to pay for Christmas gifts?

If you’re not interested in a Christmas loan, consider these alternatives to help pay for holiday expenses.

  • Plan ahead and save — Think about your spending well before the holiday season. This way you will have time to shop for them and be able to save money throughout the year.
  • Apps to buy now and pay later — A buy it now and pay later app will allow you to make purchases now and pay off the balance over time. Many of them won’t charge interest as long as you make your payments on time.
  • Credit card – A credit card might be an option, especially if you want to earn rewards. You can also apply for a card with an introductory offer of 0% APR. You won’t have to pay interest for a period of 12 to 21 months.

If you’re ready to be prequalified for a loan, Credible makes it quick and easy compare personal loan rates to find the right one for your unique situation.

A Complete Pharma Forecasting Solution: Get Quote, RFQ, Price or Buy https://www.tenil.net/a-complete-pharma-forecasting-solution-get-quote-rfq-price-or-buy/ Tue, 22 Nov 2022 16:11:34 +0000 https://www.tenil.net/a-complete-pharma-forecasting-solution-get-quote-rfq-price-or-buy/

FC365 is a robust and collaborative pharmaceutical forecasting system. Produced using familiar features for ease of use, the FC365 application improves decision-making through efficient information generation and visualization.

Created specifically for new product planning or online products, J+D eases the complex nature of forecasting through a centralized process in a single collaborative cloud interface.

FC365 is a state-of-the-art support system for informed business decision-making about the future.

J+D Forecasting’s FC365 cloud-based pharmaceutical forecasting platform

Video credit: D+D forecasts

What is FC365?


FC365 is a versatile cloud-based forecasting system delivering powerful, clear forecasts that make an impact. Built on the Microsoft technology stack, FC365 seamlessly integrates into the user environment with embedded expert insights.

It provides a secure and collaborative platform where local and global teams find synergy. Business and country function departments consolidate thinking by aligning processes for better forecast accuracy.

FC365 produces captivating visual outputs and elaborate reports that can be customized and updated with the click of a button.

Image credit: D+D forecasts

FC365 supports users

  • Unravel elaborate data with a click
  • Collaborate more effectively with anyone locally or globally
  • View scenarios as they unfold
  • Be in control of data and multiple forecasts at all times
  • Fast and transparent forecast analysis using new automated methods

FC365 integrates years of pharmaceutical forecasting knowledge with innovative and established software to produce an intelligent forecasting solution.

FC365 - A pharmaceutical forecasting solution

Image credit: D+D forecasts

Why FC365?

Quick and transparent forecast analysis

Stakeholders have the ability to remove difficult administrative tasks and get back to building the story through automated processes and effective communication within an MS Teams environment.

Excel-based forecasting models can be created and multiple files can be shared, updated and stored in one place. This ensures streamlined data collection, forecasting and reporting. Forecasting teams can rely on solid systems with reliable results.

Rich collaboration in a shared interface

The solution provides a safe and collaborative environment that helps teams around the world create synergy. Departments from all business functions and countries merge their thinking through process alignment. Teams have the ability to quickly leverage forecasts and stay up-to-date with real-time updates from each affiliate country.

Framing the story faster

The models are systematically developed in a modular step-by-step method and aligned with forecasting best practices. Tailored to the user’s disease and market, they are also intuitive to create and expedite the review and approval process.

The process and model encourage positive conversations, allowing more time to build local and global forecast narratives, providing highly informed business direction.

Developed by experts in pharmaceutical forecasting

FC365 was built on knowledge and experience to offer a versatile forecasting method that works for the user. With decades of experience in building bespoke pharmaceutical models, the solution provides users with leverage. Best practices incorporated into J+D’s prescribed methodology deliver accuracy users can trust for smart forecasting results.

Easy setup and customization gives a truly personalized approach.

SaaS software as a solution

Simple onboarding and adoption, and improved stakeholder collaboration. Users can simply work offline and stay connected to forecasts on the go.

Efficiency gains are achieved by centralizing forecasting processes and regulating data access and security.

The software offers easy automation, an enhanced “self-service” experience, and regulation of end-to-end forecasting process management.

There is an immediate connection between models and analytical reports for real-time forecasts.

Standard reports are developed for pharmaceutical forecasting with custom options.

FC365 online

The platform was developed for brands/products in the market and preparation for launch.

Standard functionality included with the software:

  • File management with naming convention and version control
  • Adaptable forecast cycle management – ​​start/stop and archive/restore cycles
  • Clear overview of project information
  • Model integration options for flexible forecasting
  • Availability of version control items
  • Model approval process management
  • Review real-time forecasts
  • Edit brand details and view a graphical or tabular preview of brands
  • Options for standard and custom reports with instant updates
  • Ability to work online or offline
  • Simple exploration of scenarios with analysis visualization
  • User access level control

FC365 Nuclear Power Plant

The platform was designed for new product development and external opportunity assessment.

The software includes the following standard features:

  • Opportunity management – add new, then edit, archive/restore, search, filter and sort
  • Model approval process management
  • Action list – step related actions with approval/rejection notification
  • Simple exploration of scenarios with analysis visualization
  • Multiple template integration options
  • Comes with version control stuff
  • File management – flexibility to name, upload and regulate access
  • Users can explore real-time forecasts
  • Template markup for easy search and access
  • Several standard and custom visualization reports
  • User access management
  • Ability to work online or offline
  • Centralized forecasting for multi-stakeholder collaboration

FC365 - A pharmaceutical forecasting solution

Image credit: J+D forecasts

Sample FC365 Visualization Reports

Forecast consolidation

FC365 - A pharmaceutical forecasting solution

Image credit: D+D forecasts

  • Choose any combination of countries to create a regional view.
  • Explore the data to reveal key factors.
  • Efficient consolidation of forecasting models and analysis of results, such as analysis of each country.
  • Filter by model/time or product, or choose the individual country to examine this forecast in more detail.

Compare forecasts

FC365 - A pharmaceutical forecasting solution

Image credit: D+D forecasts

  • Choose multiple forecasts or scenarios and compare all the metrics that have been covered on the consolidation page.
  • The custom report option produces actual, target, and forecast data in a single report, enabling performance analysis.
  • Filter by clusters, countries and brands to examine performance against forecast indicators.
  • Scenarios, countries and past forecasts can be compared.
  • View charts and visuals for key volume and revenue metrics common to models, actuals, and targets.

Analysis of the impact of events

FC365 - A pharmaceutical forecasting solution

Image credit: J+D forecasts

  • Used to gain insight into the impact of events at the market, brand and event level, without needing to access the model(s).
  • Ability to filter by model/time/event/product.
  • Separate particular events and determine their impact, taking advantage of knowledge of event predictors.
  • Easily explore the individual impact of each event.
  • View particular analytics and visualizations to see the effect of events at an aggregate level.

Analysis of event factors

FC365 - A pharmaceutical forecasting solution

Image credit: D+D forecasts

  • Get insights into particular events that drive forecasts.
  • Explore the data to unravel the main drivers.
  • Understand the events driving the forecast, then compare across countries.

From J+D Forecasting, for all your pharmaceutical forecasting needs.

Saudi Pharmaceutical Industries opens new plant in Qassim https://www.tenil.net/saudi-pharmaceutical-industries-opens-new-plant-in-qassim/ Sun, 20 Nov 2022 10:47:37 +0000 https://www.tenil.net/saudi-pharmaceutical-industries-opens-new-plant-in-qassim/

Saudi Pharmaceutical Industries & Medical Appliances Corporation (Spimaco), a leader in the pharmaceutical industries sector in the kingdom, has set up its new factory in the Qassim area for a total investment of SR272 million ($73 million).

The new 2,800 m² factory, which was set up in partnership with global pharmaceutical giant AstraZeneca, will manufacture several hazardous drugs.

It was inaugurated by Prince Dr. Faisal bin Mishaal bin Saud, Governor of the Qassim Region, in the presence of senior government officials and Spimaco executives on the sidelines of the Qassim Investment Forum held at the King Khalid Civilization Center in Buraidah.

Speaking at the event, Prince Dr. Faisal said: “The creation of such investment projects is the first incentive to create jobs for the citizens of the region, who benefit from a comparative advantage which must be exploited in all areas and at all levels.

The new plant has three floors that include manufacturing and packaging areas, a quality control and inspection laboratory, in addition to the technical services area that includes a water and wastewater treatment system in accordance international requirements for the manufacture of drugs.

Copyright 2022 Al Hilal Publishing and Marketing Group Provided by SyndiGate Media Inc. (Syndigate.info).

How Merck worked silently to add feathers to India’s Covid vaccination feat https://www.tenil.net/how-merck-worked-silently-to-add-feathers-to-indias-covid-vaccination-feat/ Sat, 19 Nov 2022 05:10:00 +0000 https://www.tenil.net/how-merck-worked-silently-to-add-feathers-to-indias-covid-vaccination-feat/

From getting the technique right, to increasing production capacity, from setting an appropriate price to launching into the market, Merck Life Sciences, headquartered in Germany, has played a crucial role in the history of Covid-19 vaccine manufacturing in India.

Be it the Covaxin, Covishield, Corbevax or GemCovac19 vaccine, almost every Indian vaccine maker has contacted this Bengaluru-based company for help when they found themselves in the midst of chaos.

Aditya Sharma, head of the company’s bioprocessing business in India, told News18.com in an exclusive interview that the past two years have been extremely hectic but rewarding.

For Sharma, it was difficult to decide “who to prioritize and serve first”. “I knew people were dying and vaccines were the only solution in sight,” he said.

The biggest challenge for companies like Merck was figuring out how to manage demand during the pandemic. (News18)

Leading the bioprocess industry, Sharma’s focus was on how Merck could help top pharma and biotech companies get their products to market faster, that too at an affordable cost while meeting the quality standards of reference.

“Over the past two years, we have been working with Serum Institute of India (SII), Bharat Biotech, Biological E, Gennova and all other vaccine producers to help them get their (Covid-19) vaccines out faster” , did he declare.

For example, when technology was transferred from the UK to India for Covishield, Merck helped SII create the setup here.

SII also approached Merck when they wanted to increase the production capacity of Covishield – the Indian story poster of the Covid-19 vaccination campaign.

“When technology transfer takes place from one country to another, there are hiccups,” Sharma said.

“It becomes very difficult when it comes to biotech products because they are living organisms. This is where Merck works with companies and helps them activate and replicate processes as much as possible. This will help you produce a product similar to the original one made overseas.

Under the M-Lab Collaboration Center, the company fosters a true manufacturing environment that allows customers to collaborate with experts. (News18)

In another case, Sharma sampled a case from Bharat Biotech.

Bharat Biotech, the maker of India’s first indigenous Covid-19 vaccine, Covaxin, has faced several challenges in ramping up production after promising huge deliveries to the central government.

“The company was looking for equipment to increase its capacity and they came to us. We worked with them.

The challenges of vaccine production during Covid-19

According to Sharma, the major problem was with the supply chain. “The big manufacturers had huge demand and there was a lot of pressure from everywhere.”

The biggest challenge for companies like ours, he said, was figuring out “how we handle all of this demand.”

The company now collaborates with students to allow them to discover the latest technologies available in their laboratories. (News18)

Sharma added: “It was little time to increase the capacity. There was a lot of pressure on the whole team where the demand was huge, people were dying and it was imperative to provide solutions as soon as possible.

Explaining how companies struggled to transport vaccines to different parts of the world, he said: “There were a lot of mandates issued by the government in different countries. Besides our capacity and that of our supplier, there were also logistical challenges.

“Everything was high risk,” he added.

Merck M-Lab: Innovation Center

Not dealing directly with the consumer, Merck is involved in business-to-business (B2B) commerce.

It helps leading drugmakers across India, such as Biocon and Lupin, move their products from research and development (R&D) to production to get to market faster. It also helps them to produce the right quality of the product within the right framework of cost.

For this, the company has innovated and developed technologies and services.

“For example, a company produced an injection vial. Now the product inside this bottle does or does not meet the standard quality and whether or not it meets the regulatory requirements will be tested in our lab and we will provide documentation validating their product,” Sharma said.

India is one of eight laboratories in a global network of Collaborating Centers located in major biotechnology hubs across the globe including USA, Brazil, Europe, South Korea, Singapore, Japan and China. (News18)

The company’s M-Lab concept originated five years ago in India. Under the M-Lab Collaboration Center, the company fosters a true manufacturing environment that allows customers to collaborate with experts to evaluate and participate in hands-on product demonstrations and training.

“If you are planning a new installation and want to purchase equipment, you can come and see the equipment here and see how it works and helps in the process,” he added.

It also has smart technologies like Google Glass. All products are kept in M-Lab for experimental purposes.

“Many customers want to buy but are not sure… They come to experience it and are convinced to buy. It is an experience center for our customers,” he said.

The company offers a team of experts who will help businesses with possible solutions to the challenges they face.

India is one of eight laboratories in a global network of Collaborating Centers located in major biotechnology hubs across the globe including USA, Brazil, Europe, South Korea, Singapore, Japan and China. These centers are interconnected.

“Everything is not present in a single laboratory. So if you want to see gear that is not in the Bangalore lab, we have labs in Singapore that we can connect to and show you the gear while sitting in Bangalore.

Bridging the gap between the skills needs of industry and academia

The company now collaborates with students to allow them to discover the latest technologies available in their laboratories.

The effort was to find out how Merck could help the biggest pharmaceutical and biotech companies bring their products to market faster, that too at an affordable cost while meeting benchmark quality standards. (News18)

“A lot of colleges don’t have the right kind of infrastructure to give them hands-on experience,” Sharma explained.

In the early years, the company also started with a few schools – such as filtration schools, upstream schools and downstream schools – where basic and advanced technologies and processes were taught.

“We still run these schools and train these freshmen and mid-level managers who come here in groups of 15 or 20 people,” he said.

The company is currently planning educational programs for academia.

“The problem is that there are gaps in academia and industry. Our goal is to hone the skills of entry-level or intermediate managers in the industry so that they can produce these products and drugs at the right cost and of good quality, which they can market all over the world.

The company collaborates with Indian Institute of Technology, Institute of Chemical Technology (ICT, Mumbai) and other leading universities.

“We are doing this so that these students do not have to be trained at the start of their career. Some of our experts also travel to these colleges to teach them. »

Sharma also emphasized the role of government. For example, he said, Covishield was actually developed by the UK-based Jenner Institute.

“Similarly, many molecules have been developed from academia and universities and this is the right time for India to start doing the same. We do our work at M-Lab with different training centers and schools,” he said.

Read all the latest news from India here

Booming segments of the payday loan market; Investors looking for stunning growth: Speedy Cash, OppLoans, Ace Cash Express, Money Mart https://www.tenil.net/booming-segments-of-the-payday-loan-market-investors-looking-for-stunning-growth-speedy-cash-opploans-ace-cash-express-money-mart/ Fri, 18 Nov 2022 06:44:14 +0000 https://www.tenil.net/booming-segments-of-the-payday-loan-market-investors-looking-for-stunning-growth-speedy-cash-opploans-ace-cash-express-money-mart/

This press release was originally issued by SBWire

NJ New Jersey, United States — (SBWIRE) – 11/17/2022 – The latest published Payday Loans Market Research has assessed the future growth potential of the Payday Loans market and provides useful insights and statistics on the structure and size of the market. The report aims to provide market insights and strategic insights to help decision makers make sound investment decisions and identify potential gaps and growth opportunities. Furthermore, the report also identifies and analyzes changing dynamics, emerging trends along with essential drivers, challenges, opportunities and restraints in the Payday Loans market. The study includes analysis of market shares and profiles of players such as CashNetUSA (USA), Speedy Cash (USA), Approved Cash Advance (USA), Check n’ Go (USA ), Ace Cash Express (US), Money Mart (US), LoanPig (UK), Street UK (UK), Peachy (UK), Satsuma Loans (UK), OppLoans (United States).

Download sample PDF report (including full TOC, table and figures) @ https://www.advancemarketanalytics.com/sample-report/124850-global-payday-loans-market#utm_source=SBWireKavita

Definition: Payday loans are small, short-term, unsecured loans that borrowers promise to repay on their next paycheck or regular income. Loans are typically $500 or less than $1,000 and mature within two to four weeks of receiving the loan and are usually priced at a flat rate, which means finance charges for the borrower. These unsecured loans have a short repayment period and are called payday loans because the term of a loan generally matches the payday period of the borrower. According to the Federal Reserve Bank of St. Louis, in 2017 there were 14,348 payday loan storefronts in the United States. About. 80% of payday loan seekers borrow again to pay off a previous payday loan. Payday loan regulations are the strictest in the Netherlands.

Market opportunities:
Growing adoption of payday lending in developing countries

Market trends:
~43% use 6 or more installment loans per year and 16% use more than 12 small loan products per year
Payday loans are an attractive alternative to popular credit cards

Market factors:
A growing number of payday loan users in North America and payday loans are only legal in 36 US states
Growing use of Quick Cash for emergencies

The global payday loans market segments and market data breakdown are illustrated below:
by type (one hour, instant online, cash advance), request (mortgage or rent, food and groceries, regular expenses (utilities, car payment, credit card bill or prescription drugs), unexpected expenses (expenses emergency medical services), others), Reimbursement period (up to 14 days, 1-2 months, 3-4 months, more than 4 months), end user (men, women)

The Global Payday Loans Market report highlights insights regarding current and future industry trends, growth patterns, as well as offers business strategies to help stakeholders make sound decisions that can help ensure the trajectory of earnings over the forecast years.

You have a question ? Market a request before purchase @ https://www.advancemarketanalytics.com/enquiry-before-buy/124850-global-payday-loans-market#utm_source=SBWireKavita

Netherlands: Payday lenders must now acquire the appropriate license to operate and must comply with the maximum interest rate of the bank prime rate plus 12%. In 2013 and 2014, the Dutch government enforced this legislation in two landmark court cases in which it fined two companies found to be operating outside these regulations – this included a $2.2 million fine ( 2 million euros) to betaaldag.nl for failing to comply with tariff restrictions. and Canada: British Columbia has the strictest set of regulations: lenders cannot legally charge more than $15 per $100 for a two-week payday loan, and penalties for returned checks or debits pre-authorized are capped at $20.

Geographically, the detailed analysis of consumption, revenue, market share and growth rate of the following regions:
The Middle East and Africa (South Africa, Saudi Arabia, United Arab Emirates, Israel, Egypt, etc.)
North America (United States, Mexico and Canada)
South America (Brazil, Venezuela, Argentina, Ecuador, Peru, Colombia, etc.)
Europe (Turkey, Spain, Turkey, Netherlands Denmark, Belgium, Switzerland, Germany, Russia UK, Italy, France, etc.)
Asia-Pacific (Taiwan, Hong Kong, Singapore, Vietnam, China, Malaysia, Japan, Philippines, Korea, Thailand, India, Indonesia and Australia).

Report objectives
-To carefully analyze and forecast the Payday Loans market size by value and volume.
-Estimating the market shares of the main payday loan segments
– To present the Payday Loans market development in different parts of the world.
To analyze and study the micro markets in terms of their contributions to the Payday Loans market, their prospects, and individual growth trends.
-Offer accurate and useful details on factors affecting Payday Loans growth
-To provide a meticulous assessment of crucial business strategies employed by leading companies operating in the Payday Loans market, which include research and development, collaborations, agreements, partnerships, acquisitions, mergers, new developments and product launches.

Buy a Full Payday Loan Market Review Now @ https://www.advancemarketanalytics.com/buy-now?format=1&report=124850#utm_source=SBWireKavita

Main highlights of the table of contents:

Payday Loans Market Research Coverage:
It includes major manufacturers, emerging player’s growth story and major business segments of Payday Loans market, years considered and research objectives. Further, segmentation based on product type, application, and technology.
Executive Summary of Payday Loans Market: It gives a summary of overall studies, growth rate, available market, competitive landscape, market drivers, trends, and issues, along with macroscopic pointers.
Payday Loans Market Production by Region Payday Loans Market profile of manufacturers-players is studied based on SWOT, their products, production, value, financials and other vital factors .
Key points covered in the Payday Loans market report:
Overview, Definition and Classification of Payday Loans Market Drivers and Obstacles
Payday Loans Market Competition by Manufacturers
Analysis of the impact of COVID-19 on the payday loan market
Payday Loans Capacity, Production, Revenue (Value) by Region (2021-2027)
Payday Loan Supply (Production), Consumption, Export, Import by Region (2021-2027)
Payday Loan Production, Revenue (Value), Price Trend by Type {One Hour, Instant Online, Cash Advance}
Payday Loans Market Analysis by Application {Mortgage or Rent, Food and Groceries, Regular Expenses [Utilities, Car Payment, Credit Card Bill, or Prescription Drugs]Unforeseen expense [Emergency Medical Expense]Others}
Payday Loans Manufacturers Profiles/Analysis Payday Loans Manufacturing Cost Analysis, Industry/Supply Chain Analysis, Sourcing Strategy and Downstream Buyers, Marketing
Strategy by major manufacturers/players, standardization of connected distributors/traders, regulatory and collaborative initiatives, industry roadmap and analysis of value chain market effect factors.

Browse Full Abstract & Table of Contents @ https://www.advancemarketanalytics.com/reports/124850-global-payday-loans-market#utm_source=SBWireKavita

Answers to key questions
How feasible is the payday loan market for a long-term investment?
What are the factors influencing the demand for payday loans in the near future?
What is the impact analysis of various factors on the growth of the Global Payday Loans Market?
What are the recent regional market trends and how successful are they?

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The Trilingual Therapy Dog – UND Today https://www.tenil.net/the-trilingual-therapy-dog-und-today/ Thu, 17 Nov 2022 23:34:07 +0000 https://www.tenil.net/the-trilingual-therapy-dog-und-today/

Life on the UND flight line is made a little easier by Brita, a therapy dog ​​wearing aviator goggles and a bomber hat

Therapy dog ​​Brita visits UND student Abbie Ritchie (left) and Cassandra Bills, a certified flight instructor, at the UND Airport Flight Operations Center. All photos by Arjun Jagada/Odegard School of Aerospace Sciences.

By Mackinney Supola

Nothing is more relaxing after a stressful and exhausting flying lesson than sitting with a giant schnauzer on an expedition. Especially when that four-legged friend is Brita the therapy dog, a dog best known in UND air operations for her aviator goggles and old-fashioned bomber hat.

Pet therapy is a type of therapy that uses an animal to improve an individual’s social, emotional, or cognitive state. Several research papers have shown the benefits of pet therapy in areas such as patient satisfaction, energy levels, self-esteem, and mood, as well as in decreasing depression.

Laurel Johnson and her 10-year-old dog, Brita, do a lot of volunteer work around the University of North Dakota as well as in the community of Grand Forks. And every third Wednesday of the month, the duo meet at flight operations to comfort flight students, flight instructors and anyone else who might cross their path.

Laurel Johnson and her therapy dog, Brita.

Johnson was introduced to pet therapy as a child, when she took her dog with her when she visited her elderly neighbor. She has been more formally involved in pet therapy since 2007. She first started with her dog Molly, a white poodle mix, who has since passed away.

Brita was originally purchased by a dog trainer in Minnesota, where she was intended to be a breeding dog for future service dogs. However, after Brita was discovered to have a disqualifying genetic condition, she was no longer eligible to be a breeding dog in the service dog industry.

But while service dogs are trained to work with people with disabilities, therapy dogs serve a different helping role. So around the time Brita was found to be ineligible to be a service dog, Johnson – who was friends with the dog trainer – offered to take Brita on therapy visits.

Within a year, Johnson became the owner of Brita and their career as a therapy dog ​​team began.

English, German and American Sign Language

Brita has been trained in German commands and responds to both English and German. Additionally, Brita knows over 40 American Sign Language words, as Johnson is a retired interpreter for the deaf. In 2012, when her dog Molly became deaf, Johnson continued to communicate with her through sign language, a practice she continued with Brita when she took possession of it.

When asked to share one of the couple’s most defining moments, Johnson recalled a visit she had to Altru Hospital with a patient in poor condition whose family was out of the way. town. When they arrived at the hospital, the nurses were “out of their minds and knelt in stress when they saw Brita and hugged her,” Johnson said. (As Johnson noted, therapy dogs in health care settings can very often help relieve stress not only for patients but also for staff.)

Brita then visited the patient for a little while, then the couple left the room to go visit other patients, with the promise to come back to say goodbye before leaving.

Upon their return, they learned that the patient had died shortly after their visit. “It took my breath away,” Johnson said. “I was so grateful to bring any comfort to this human being at the time of his death and to bring the last smile to this person’s face.”

Johnson also described time spent with Brita in intensive care, comforting the families of intensive care patients.

Brita the therapy dog.

Brita’s first connection to UND came eight years ago, when she and Johnson volunteered at an anti-stress festival at Memorial Union. Students would line up for over an hour to see Brita or one of the other therapy dogs visiting that day, Johnson recalled.

Through these visits, Johnson got to know students and staff from other departments and expanded his visits to more areas.

Upon learning in the fall of 2021 of the recent death of an aviation student, Johnson called the aviation department and offered to bring Brita to the students’ presence. She hoped she and Brita could provide some level of comfort, she said. Since that time, she and Brita have brought smiles to flight students through their regular visits to flight operations.

Meaning and purpose

“She walked into Ryan Hall while I was working,” one UND aviation student said when asked about Brita, “and I got to see her for a brief time. I love animals, and dogs help Really improving every day!It was a bright time of day that was needed during a busy week.

The work Brita and Johnson do is entirely voluntary, although that fact has never deterred Johnson from finding the motivation to get out and help others. “It’s something that gives me meaning and purpose, and I can do that with my best friend,” she said.

Looking ahead, Johnson says he’s excited to attend and speak at the Aviation Mental Health Symposium, which is scheduled for this week. Brita and Johnson will be hosting the event at the door, and Johnson is to give a presentation on pet therapy.


Mackinney Supola

About the Author:

A certified flight instructor, Mackinney Supola is pursuing a bachelor’s degree in commercial aviation and communications at UND. She is currently a marketing intern in the dean’s office of the university’s Odegard School of Aerospace Sciences.

10 Things Every Gearhead Should Know About Hispano Suiza Carmen Boulogne https://www.tenil.net/10-things-every-gearhead-should-know-about-hispano-suiza-carmen-boulogne/ Thu, 17 Nov 2022 19:30:00 +0000 https://www.tenil.net/10-things-every-gearhead-should-know-about-hispano-suiza-carmen-boulogne/

The Hispano Suiza Carmen Boulogne is a more extreme retro-inspired electric vehicle based on the Carmen hypercar that was revealed in 2019. Aimed at the “hyper luxury” market, it is designed as an aesthetically-focused grand tourer, heritage, luxury and comfort. Although Hispano Suiza favors elegance and a sense of occasion, the Carmen Boulogne is a road rocket. Compared to the regular Carmen, it is much more powerful, extreme and light.

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Founded in Barcelona in 1904, Hispano Suiza has been a dormant aristocratic boutique brand since 1946. It is still run by Suqué Mateus, making it the only global automaker owned by its founding family. Hispano Suiza first announced the Carmen Boulogne in September 2021, and it’s already in production. The incredible gestation period is thanks to Barcelona-based Formula E company QEV Technologies, which contributed its know-how to help accelerate the hypercar 2022. The automaker delivered the first Carmen Boulogne to a US-based customer in March 2022.

Here are 10 things to know about the Hispano Suiza Carmen Boulogne.

10/10 Inspiration for the name of Carmen Boulogne

Via: HispanoSuiza

The Suqué Mateu family has run Hispano Suiza for four generations. The supercar name Carmen is an honor for Carmen Mateu – the late mother of Miguel Suqué Mateu, the current president of Hispano Suiza. Carmen Mateu was the third generation matriarch of the Mateu family and a huge motorsport enthusiast.

Hispano Suiza Carmen Boulogne (Purple) - Side
Inside electric vehicles

On the other hand, the brand’s success in the French city of Boulogne-sur-Mer inspired the nickname Boulogne. Paolo Zuccarelli, driving a Hispano Suiza, won the 1910 Coupe des Voiturettes held in the city.

9/10 A real head-turner, with a design mimicking the H6C Dubonnet Xenia of the 1930s

Black Hispano Suiza Carmen Boulogne Hypercar
Via: International Automobile Festival

Carmen Boulogne’s aerodynamic, muscular and sharp-edged design is inspired by art deco. The electric supercar is pretty, but not in the usual way. Best described as cutting-edge, it’s a terrific head-turner. Still, the look of Carmen Boulogne risks dividing opinions.

Hispano Suiza Carmen Boulogne Hypercar
Via: YouTube

Designer Francesc Arenas was inspired by the 1938 H6C Dubonnet Xenia aero coupé. Clad in lightweight aluminum, Hispano-Suiza built André Dubonnet’s masterpiece. The French aviator and racing driver named the unique teardrop-shaped specimen after his wife.

8/10 What’s in the luxurious interior of the Carmen Boulogne

Via: Hispano Suiza

Opening the Boulogne’s scissor doors, there’s a carbon-fiber steering wheel and a digital instrument cluster behind. It includes digital instruments rendered with bespoke old school graphics. A 300 km/h (186 mph) speedometer on one side and a power flow meter on the other. Between the seats there’s a center stack with a bunch of controls and a tablet-style infotainment touchscreen above.

RELATED: The Continental GT3-R Was Bentley’s Most Extreme Driving Machine

Interior dashboard detail Hispano Suiza Carmen Boulogne
by Michael Van Runkle/HotCars

The Carmen Boulogne cabin features a two-tone retro-modern fusion for an opulent feel. Intended for grand touring, it is spacious, luxurious and well insulated, with exemplary seats. High-grade carbon fiber replaces anything not covered in soft leather or Alcantara. With the Spanish automaker paying great attention to detail rarely seen in ultra-limited exotics, the quality of trim and finish is exceptional.

7/10 An ultra-rare electric vehicle

Hispano Suiza Carmen Boulogne (Black) - Front Right
Hispano Switzerland

The Carmen Boulogne embodies the exclusivity of the electric car. Special and limited version of the regular Carmen, only five Carmen Boulogne will see the light of day.

Hispano Suiza Carmen Boulogne (Black) - Rear
Hispano Switzerland

The limited number of cars makes it even rarer than the Pininfarina Battista, Lotus Evija. Hispano Suiza has already shipped the first copy to a customer in the United States.

6/10 The Carmen Boulogne is exorbitantly priced

Hispano Suiza Carmen Boulogne (Black) - Right Angle Front
Hispano Switzerland

The standard Carmen model starts at a “light” $1.7 million, while ordering the top-of-the-line Carmen Boulogne involves shelling out £1.68 million ($1.98 million). Keep in mind that the price is exclusive of tax.

Hispano Suiza Carmen Boulogne (Black) - Side
Hispano Switzerland

The incredible price indicates that this is an electric machine for the rich. Even so, by industry standards, it’s a bargain. It is cheaper than its main competitors like the Rimac Nevera, the Lotus Evija and the Pininfarina Battista.

5/10 All Carmen Boulogne are exclusively RWD

Hispano Suiza Carmen Boulogne (Purple) - Front Right
Inside electric vehicles

The Carmen Boulogne is rear-wheel drive only, which is unusual for such a powerful electric vehicle. Despite this, it benefits from good grip for acceleration. It also received positive reviews for its superb handling and predictable steering. The T-shape and strategic battery placement do the trick, with 60% of Carmen Boulogne’s weight distributed over the rear wheels.

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Hispano Suiza Carmen Boulogne (Purple) - Back
Inside electric vehicles

In addition, there is the innovative “Virtual Differential” function which virtually links the rear axle. It makes it possible to individually regulate the power sent to each wheel while allowing torque vectoring for better traction. A potential buyer from Carmen Boulogne even asked for a modification of the all-wheel drive.

4/10 Formula E-derived fully electric powertrain

Hispano Suiza Carmen Boulogne (Purple) - Front
Inside electric vehicles

Designed and built by QEV Technologies, the Carmen Boulogne’s battery technology is derived from Formula E. The massive 80kWh liquid-cooled lithium-ion battery offers a claimed range of 248 miles. It supports 80kW DC fast charging, boosting from 10% to 80% in about 45 minutes.

Hispano Suiza Carmen Boulogne (Purple) - Rear angle
Inside electric vehicles

With an impressive 1,114 horsepower and 1,180.1 lb-ft of torque, the Carmen Boulogne is a real powerhouse. Lightweight permanent magnet synchronous electric motors provide incredible power. The setup features two motors driving each rear wheel through a single-speed transmission.

3/10 Each Carmen Boulogne is made with bespoke options

Hispano Suiza Carmen Boulogne (Purple) - White Interior
Inside electric vehicles

Each Carmen Boulogne is made by Hispano Suiza using a special blend of custom picks. The Spanish automaker says 1,904 unique customization combinations are available to customers. Since consumers can choose almost anything from the list, no two cars will be identical.

Hispano Suiza Carmen Boulogne (Purple) - Back
Inside electric vehicles

Shoppers can also choose their favorite shade from an endless palette. Michael J Fuchs, a famous HBO producer and collector known for buying extravagantly painted cars, commissioned his Carmen Boulogne in “Ocean Song Rose.” Hispano Suiza said; he specified the purple tone by sending them his favorite flower.

2/10 Roughly clad in carbon fiber

Via: HispanoSuiza

The Boulogne contains about as much carbon fiber as a car can have. Almost everything from its central monocoque structure, front and rear subframes and complex bodywork uses this lightweight material. Inside, the steering wheel, seat shells and other elements use carbon fiber. It rolls on polished aluminum-alloy wheels and has aircraft-grade aluminum-alloy components for its double-wishbone suspension all around.

RELATED: Take a Look at the Bentley Mulsanne’s Plush Cabin

Via: Hispano Suiza

The result is the Carmen Boulogne weighing 3,593 pounds. With its battery contributing 1763 lbs, it is very light for an EV in its segment. Of note, he weighs 132 pounds. lighter than the standard Carmen. And that’s thanks to a carbon fiber roof, revised suspension components and a reworked subframe.

1/10 Delivers Incredible Performance

Hispano-Swiss 2020 Hispano Suiza Carmen Boulogne
Via: HispanoSuizaCars

The Carmen Boulogne is a rocket. Drive modes range from Eco to Sport. Engage the latter and you get the epic instant torque that people love EVs for. The Carmen Boulogne completes the sprint from 0 to 100 km/h in 2.6 seconds, enough to beat a few Lambos.

Hispano Suiza Carmen Boulogne Three quarters back
via Hispano Suiza

Its drag coefficient of 0.325 may be lower than that of a hypercar, but it still achieves a top speed of 290 km/h. AP Racing carbon-ceramic brakes help bring the Carmen Boulogne to a stop. It also has regenerative braking, adjusted via paddles on the steering wheel.

Actions that will come into action on November 17, 2022 https://www.tenil.net/actions-that-will-come-into-action-on-november-17-2022/ Thu, 17 Nov 2022 03:30:13 +0000 https://www.tenil.net/actions-that-will-come-into-action-on-november-17-2022/

Japan-based Softbank has begun the process of selling a 4.5% stake in One97 Communications (Payment) for around $200 million (roughly Rs 1,627 crore) in a block deal, sources say. The development comes immediately after the lock-up period for Paytm investors ends. Softbank is the second largest shareholder, with a 17.5% stake in the company.

Financial Spandana Sphoorty will raise up to Rs 300 crore by issuing market-linked rated non-convertible debentures (NCDs) with a base issue size of Rs 200 crore and a green shoe option of Rs 100 crore, the company said in a filing regulatory. The bonds which will be allocated on November 22, 2022 have a duration of 18 months and an interest rate of 11.15% per annum.

clothing manufacturer Industry page on Wednesday it announced that it will invest ₹290 crore to set up two facilities in Telangana which will provide jobs for 7,000 local youths. It will manufacture apparel, including activewear and activewear, according to a statement.

Law firm Lakshmikumaran and Sridharan (LKS) said on Wednesday that it had advised IndiaMART Intermesh Ltd regarding the partial sale of its stake in Instant Procurement Services, which operates “ProcMart”, a B2B procurement portal for industrial buyers. The deal involves the sale of shares held by Tradezeal Online Pvt Ltd, a subsidiary of IndiaMART. LKS participated in the negotiation and finalization of the transaction documents.

The Electricity Board THOSE C approved an issue of 3,000 non-convertible debentures (NCD) worth ₹300 crore to Axis Bank.

Ircon International Ltd said he had become the lowest bidder for a ₹392.5 crore project launched by the Madhya Pradesh Water Resources Department.

Aurobindo Pharma Ltdreceived a Establishment Inspection Report (EIR) from the US health regulator for its manufacturing facility at Pydibhimavaram in Andhra Pradesh. Pydibhimavaram Unit XI, a non-antibiotic API manufacturing facility, was inspected by the United States Food and Drug Administration (USFDA) in February 2019 and issued a warning letter in June 2019.

India has raised the windfall tax on crude oil to ₹10,200 ($125.22) per ton from ₹9,500, a government decree announced on Wednesday. Export tax on diesel has also been reduced to ₹10.50 per liter from ₹13 per litre, according to the order. The focus will be on Addiction, CGSB and Oil India.

Timken Indiawill set up a new Rs 600 crore manufacturing plant in Bharuch, Gujarat to manufacture spherical and cylindrical roller bearings and their components. Its existing plant in Bharuch manufactures tapered roller bearings and their components.

Waaree ESS, promoter of Waaree Technologiesbought a 4.64% stake in the company via open market transactions on November 15. His stake in the company now stands at 60.42%, compared to 55.78% previously.

Tera Software received work orders worth ₹46.7 crore from Bharat Electronics for scanning and digitizing – E Mahabhoomi Polygons in 14 districts of Maharashtra. The period of execution of the work is 19 months.

Payday Loans Add to Your Worries and Conflicts https://www.tenil.net/payday-loans-add-to-your-worries-and-conflicts/ Tue, 15 Nov 2022 17:33:45 +0000 https://www.tenil.net/payday-loans-add-to-your-worries-and-conflicts/
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Digging into financial maneuvers that seem suspicious.

Payday loans are predatory products that people in financial difficulty often resort to in a pinch. Also called cash advances, these short-term loans are mainly used to cover basic necessities like utilities, car payments, credit card payments, housing and food.

How are these products predatory? First, average interest rates vary from state to state, but rates are usually so high that borrowers fall into a debt trap. Texas, for example, has the highest average APR of 664% (well above the 36% APR cap advocates have claimed in a number of other states). This means that a borrower who needs $300 to cover their rent would have to pay back $1,992, which is often paid off by taking on more debt.

Second, personal loan ads disproportionately target Black and Latinx populations, and cash advance locations tend to be clustered in low-income areas. Enough said.

So while we strongly advise against payday loans at all costsHere’s what to do if you or someone you know is having trouble escaping this cycle:

  • Get help with debt management through the National Credit Counseling Foundation. (You may have to pay a small fee for the service, but it’ll be money well spent.)
  • Focus on a debt avalanche approach by paying highest interest rate debt first.
  • Log in with your local support group for cash assistance or help paying for groceries.
  • Negotiate your expenses As talk to your landlord if you think you are behind on your rent. Call your credit card companies to see if you can change your payment due date.

It is important to remember that payday loans result from societal failures, not individuals. And the private and public sectors are work to eradicate the predatory practice: Organizations like the Center for Responsible Lending work to end predatory lending, and more than 16 states have banned payday lending altogether.-Myriam