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Acupuncture involves the insertion of very thin needles through your skin at strategic points on your body.
The risks of acupuncture are low if you have a competent, certified acupuncture practitioner using sterile needles.
During an acupuncture treatment, your acupuncturist inserts very thin needles into specific spots on your body.
To determine the type of acupuncture treatment that will help you the most, your practitioner may ask you about your symptoms, behaviors and lifestyle.
Your acupuncture practitioner will tell you the general site of the planned treatment and whether you need to remove any clothing.
Acupuncture needles are inserted to various depths at strategic points on your body.
Several studies indicate that some types of simulated acupuncture appear to work just as well as real acupuncture.
NCCIH thanks the following people for their technical expertise and review of this publication: Lixing Lao, Ph.D., University of Maryland School of Medicine; Karen Sherman, Ph.D., M.P.H., Group Health Research Institute, Seattle; Maria E. Suarez-Almazor, M.D., Ph.D., The University of Texas M.D. Anderson Cancer Center; and Kristin Huntley, Ph.D., Partap Khalsa, D.C., Ph.D., and John Killen, Jr., M.D., NCCIH. This publication is not copyrighted and is in the public domain.
NCCIH has provided this material for your information.
It is not intended to substitute for the medical expertise and advice of your health care provider(s).
We encourage you to discuss any decisions about treatment or care with your health care provider.
The mention of any product, service, or therapy is not an endorsement by NCCIH..
This article explains how acupuncture works, its benefits, and the potential side effects.
Research on the health benefits of acupuncture is still limited there are some studies that found acupuncture to be helpful for specific conditions.
Is Acupuncture Painful? You may feel a slight sting, pinch, ache, or some pain as the acupuncture needle is being inserted.
As with any treatment, acupuncture may cause side effects in some individuals.
In order to reduce the risk of side effects, acupuncture should always be done by a licensed and properly trained healthcare provider using clean, disposable needles.
Researchers aren’t exactly sure how acupuncture works theories suggest that it may help release endorphins, as well as influence the autonomic nervous system.
Keep in mind that acupuncture can lead to mild or serious side effects in some individuals.
Acupuncture is part of the ancient practice of Traditional Chinese medicine.
Traditional Chinese medicine practitioners believe the human body has more than 2,000 acupuncture points connected by pathways or meridians.
Many Americans seek acupuncture treatment for relief of chronic pain, such as arthritis or low back pain.
Because scientific studies have not fully explained how acupuncture works within the framework of Western medicine, acupuncture remains a source of controversy.
If you have received a diagnosis from a doctor, you may wish to ask him or her whether acupuncture might help.
You do not have to be a doctor to practice acupuncture or to become a certified acupuncturist.
Although not all certified acupuncturists are doctors, the American Academy of Medical Acupuncture can provide a referral list of doctors who practice acupuncture.
The term Western medical acupuncture is used to indicate an adaptation of TCM-based acupuncture which focuses less on TCM. The Western medical acupuncture approach involves using acupuncture after a medical diagnosis.
Limited research has compared the contrasting acupuncture systems used in various countries for determining different acupuncture points and thus there is no defined standard for acupuncture points.
Medical acupuncture attempts to integrate reflexological concepts, the trigger point model, and anatomical insights into acupuncture practice, and emphasizes a more formulaic approach to acupuncture point location.
A 2011 systematic review of systematic reviews found that “For chronic low back pain, individualized acupuncture is not better in reducing symptoms than formula acupuncture or sham acupuncture with a toothpick that does not penetrate the skin.” A 2010 review found that sham acupuncture was as effective as real acupuncture for chronic low back pain.
The 2016 Cochrane review evaluating acupuncture for episodic migraine prevention concluded that true acupuncture had a small effect beyond sham acupuncture and found moderate-quality evidence to suggest that acupuncture is at least similarly effective to prophylactic medications for this purpose.
164 Acupuncture research organizations such as the International Society of Acupuncture were founded in the 1940s and 1950s and acupuncture services became available in modern hospitals.
The two bodies for the regulation of acupuncture and attainment of ACC treatment provider status in New Zealand are Acupuncture NZ, and The New Zealand Acupuncture Standards Authority.
The fact is that many well-designed studies have found that acupuncture can help with certain conditions, such as back pain, knee pain, headaches and osteoarthritis.
“In many research studies, it’s clear that if you’re comparing acupuncture to usual care, the acupuncture group almost always does better,” Nahin says.
Treatment for pain is the best-studied aspect of acupuncture.
“If you look at some of the data, what you find is that sham acupuncture and true acupuncture both produce some pain relief in whatever condition they’re looking at,” Nahin says.
“We were able to show that sham acupuncture and real acupuncture both reduced pain in fibromyalgia patients equally,” he says, “But they do it by different mechanisms.”
If acupuncture truly works by a different mechanism than sham acupuncture, Harris says, then they’re not the same thing, even if they both help relieve pain.
Their ultimate goal is to see if other treatments might pair well with acupuncture to reduce pain better than either alone.
“This response involves stimulation of the immune system, promoting circulation to the area, wound healing, and pain modulation.” Contemporary research on acupuncture relies mainly on this theory.
You may be interested in acupuncture for a variety of reasons – for example, I sought treatment for my chronic headaches and sinus pressure – as there are countlessconditions and symptoms that acupuncture has been said to help with.
Some studies even suggest that acupuncture can help with cancer treatment and multiple sclerosis, however research for these conditions is limited and requires larger studies to confirm the benefits.
While there’s no evidence that acupuncture is a miracle cure-all, it does seem to have some evidence as a worth-while treatment for people who may have multiple conditions and illnesses.
For now, if you have a condition that acupuncture does have scientific backing for, here’s what to expect from a session: an acupuncture session to last anywhere from 60 to 90 minutes, though most of this time may be spent discussing your symptoms and concerns with your practitioner sans needles.
“It’s hard to put into words but there’s a distinct balanced and harmonious feeling that acupuncture gives most people and it just feels good!” You may also feel tired after a treatment and see changes in your eating, sleeping, or bowel habits, or experience no changes at all.
A licensed acupuncturist is required to pass the National Certification Commission for Acupuncture and Oriental Medicine exam or complete the NCCAOM program in the foundations of Oriental medicine, acupuncture, and biomedicine.
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An air compressor is a specific type of gas compressor.
A linear compressor is a reciprocating compressor with the piston being the rotor of a linear motor.
An ionic liquid piston compressor, ionic compressor or ionic liquid piston pump is a hydrogen compressor based on an ionic liquid piston instead of a metal piston as in a piston-metal diaphragm compressor.
A rotary vane compressor is well suited to electric motor drive and is significantly quieter in operation than the equivalent piston compressor.
Beyond about 5 stages or a 4:1 design pressure ratio a compressor will not function unless fitted with features such as stationary vanes with variable angles, the ability to allow some air to escape part-way along the compressor and being split into more than one rotating assembly.
A hermetic compressor is simpler and cheaper to build than a semi-hermetic or open compressor.
In the case of small reciprocating compressors, the compressor flywheel may drive a cooling fan that directs ambient air across the intercooler of a two or more stage compressor.
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Tornadoes and severe thunderstorms can develop quickly, so an important component of a severe weather plan is a reliable warning system.
Warnings are disseminated through outdoor warning sirens, local television and radio stations, cable television systems, cell phone apps, and NOAA weather radio.
Public Warning Sirens are used in many towns to warn people of tornadoes.
Remember, even if a siren is nearby, they are intended as an outdoor warning system.
When you hear sirens, do not call 911 to ask what is happening; instead, listen to NOAA Weather Radio or local radio or TV for the warning information.
Cable television systems will also have warning information, sometimes on a designated channel.
A NOAA Weather Radio receiver will sound an alarm to alert you when a storm warning is issued.
The Integrated Public Alert & Warning System is FEMA’s national system for local alerting that provides authenticated emergency and life-saving information to the public through mobile phones using Wireless Emergency Alerts, to radio and television via the Emergency Alert System, and on the National Oceanic and Atmospheric Administration’s Weather Radio.
The KIRO-AM facility serves as a Primary Entry Point station for FEMA’s National Public Warning System, maintained under FEMA’s Integrated Public Alert and Warning System, and provides critical information to the public before, during and after incidents and disasters.
The message is then delivered to the Integrated Public Alert and Warning System, Open Platform for Emergency Networks, where it is authenticated and then delivered simultaneously through multiple communication pathways.
Utilizing multiple pathways for public alerts increases the likelihood that the message will successfully reach the public.
Whether you’re sending, receiving, developing or communicating about alerts, find the tools you need for your role in the Integrated Public Alert & Warning System.
IPAWS is guided by its mission to provide integrated services and capabilities to federal, state, local, tribal and territorial authorities that enable them to alert and warn their respective communities via multiple communications methods.
The IPAWS vision is to provide timely alert and warning to the public in the preservation of life and property using the most effective means for delivering alerts available at any given time.
Sends a recorded message to an affected area by matching phone users to a physical address using landline E-911 data or through opt-in.
Limitations: Landline phones use is decreasing, meaning fewer recipients; in some cases, recipient must opt-in to receive messages; hearing impaired may not receive the message.
Disrupts mobile phone’s silent mode to alert recipient of message.
Sends SMS text message to users through agency database or required opt-in.
Can signal via alert tone or broadcast a specific message.
First, develop and implement an Alert & Warning Plan that delineates how messages will be sent and includes message templates.
Developing message templates for different types of situations can help ensure consistency across incidents.
Each word has an important meaning, for example, community involves a network of social interaction, early refers to prevention of any disaster or reduction of the potential harm or damage, warning means a message that announces danger and system puts all together.
To alert the population about potential natural disasters instantly, an intelligent alert system can be developed by bringing together a set of sensor networks, alarms and monitoring devices, which complements a smart city [FUR 10.]. Per the mode of operation adopted, we can have [XIN 15.]:.Technological advances have improved the quality and response time of warnings of dangers achieving inform technologies of surveillance and early warning.
Canary HoneypotsCanaries were originally used as an early warning system.
A canary honeypot is a system that mimics a production system and is deployed so that it can serve as an early detection mechanism in the event of a network breach.
4.What, we do well to ask, does this new technology mean? How good are we at it? For example, if the 1960 warning system had been proven correct, could we have avoided the problem with the moon? If it were possible to prove that the programs being written to control automatic launch-on-warning systems were correct, would that mean there could be a catastrophic accident? In systems now being proposed computers will make launching decisions in a matter of seconds, with no time for any human intervention.
Occupational health managementIt is necessary to keep track of trends at the medical station to provide an early warning system.
4.2.1 Early warningReal-time alerts of destructive earthquakes while they are in progress are based on Earthquake Early Warning systems.
The siren warning system is a progressive, state-of-the-art computerized system that can be activated from the Daviess County Emergency Management Agency and/or the Central Dispatch Center.
The sirens are sounded whenever a tornado warning is issued for Daviess County.
The Emergency Management Agency encourages all Daviess County citizens to prepare for their own safety by purchasing a NOAA Weather Alert Radio to assure they receive warnings of life threatening situations inside their homes, businesses, etc.
The entire siren warning system covers approximately 65% of the rural Daviess County population, including approximately 95% of the population in the City of Owensboro and approximately 100% of the City of Whitesville.
Tornado Warning: When a tornado warning is received from the National Weather Service for Daviess County or one of its cities or communities.
Parks System: When a severe thunderstorm warning is issued and/or the threat of dangerous lightning is expected, the warning siren voice messaging system will be activated for Owensboro and County.
WEATHER RADIO: Only the Whitesville and Madisonville transmitters issue warnings for Daviess County.
Emergency Warning Systems are real-time watch and warning messages that require your immediate attention due to an advanced or immediate concern for public safety.
All residents, including those who currently receive text or email notifications through CodeRED, are encouraged to register to receive emergency communications through Alert Denton.
This warning system is not designed to be heard indoors.
Denton operates 22 outdoor warning sirens that sound during severe weather events and serve to alert people who are outdoors to take shelter.
The NOAA Weather Warning Radio will activate and sound an alert for severe weather watches and warnings.
This warning system is recommended for individuals who don’t live near an outdoor warning siren.
WEA are emergency messages sent to your cell phone by authorized federal, state, local, tribal and territorial public safety and weather officials to alert you and help keep you safe during an emergency.
What to do with the MEWS score? Actions to prevent patient deterioration: Depending on the total MEWS, the nurse should consider the following actions to prevent deterioration: #1: Verify that all components have been entered so you know your score is accurate.
MEWS of 3 nurse considers increasing patient vital signs monitoring and MEWS to 2hour intervals.
If patient remains with MEWS of 3 for three consecutive readings, nurse considers reviewing patient assessment with facilitator.
What to do with the MEWS score? Actions to prevent patient deterioration: Depending on the total MEWS, the nurse should consider the following actions to prevent deterioration MEDIUM = MEWS 4 to 6: Nurse reviews patient’s condition with facilitator and considers discussing findings with provider during rounds versus more immediate provider notification.
Nurse considers increasing patient vital signs monitoring to every 15-30 minutes or more frequently until patient’s vital signs and/or MEWS stabilize and/or patient transferred to a higher level of care.
What to do with the MEWS score? Actions to prevent patient deterioration: Depending on the total MEWS, the nurse should consider the following actions to prevent deterioration Critical = MEWS > 8: This potentially constitutes a clinical emergency.
Nurse considers close vital signs monitoring until patient’s vital signs and/or MEWS stabilize and/or patient transferred to a higher level of care.
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The US Geological Survey reported a 3.4 magnitude earthquake east of Pinnacles National Park Saturday morning.
USGS recorded the earthquake at 7:30 a.m. READ THE FULL STORY:3.
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ELGIN, S.C. -United States Geological Survey reports an earthquake hit just outside of Elgin.
According to the report, the earthquake happened Friday morning at 11:35 a.m. about 3.9 miles southeast of Elgin.
The USGS says the quake measured at a 1.8 magnitude.
SAN FRANCISCO, CA – The “Big one,” a powerful earthquake that could devastate California at any moment, will likely kill thousands of people and topple buildings, crumble bridges and roads, sever water lines and ignite numerous fires.
“It could happen tomorrow,” earthquake engineering expert Keith Porter told USA Today.
The magnitude 6.8 earthquake happened on the Hayward Fault and was one of the most destructive in the state’s history, toppling brick buildings, walls and chimneys in Oakland, San Francisco, Santa Rosa and San Jose.
In Southern California, the geological survey warned that big earthquakes on the San Andreas Fault are not only inevitable, they’re “Extremely common” in geological terms.
The last earthquake similar to that of a hypothetical magnitude 7.8 earthquake on the southern tip of the fault happened more than 300 years ago.
In San Diego, the local chapter of the Earthquake Engineering Research Institute found in a 2020 report that as many as 8,100 buildings are vulnerable to earthquakes.
Keith Porter, the earthquake engineering expert, told USA Today that areas affected by a major earthquake would see widespread cell service and power outages, water shortages, and massive fires.
It happened Friday morning at 11:35 p.m. Copy Link.
The U.S. Geological Survey is reporting a 1.7 magnitude earthquake in South Carolina.
It happened Friday morning at 11:35 a.m.The USGS says the earthquake occurred about 3.9 miles south of Elgin.
This is one of many earthquakes that have been reported in the area since December.
It happened Friday morning at 11:35 a.m. Advertisement.
The USGS says the earthquake occurred about 3.9 miles south of Elgin.
An earthquake is an intense shaking of Earth’s surface.
Although the Earth looks like a pretty solid place from the surface, it’s actually extremely active just below the surface.
The Earth is made of four basic layers: a solid crust, a hot, nearly solid mantle, a liquid outer core and a solid inner core.
An earthquake is the sudden movement of Earth’s crust at a fault line.
The energy from an earthquake travels through Earth in vibrations called seismic waves.
Earthquake is a name for seismic activity on Earth, but Earth isn’t the only place with seismic activity.
Scientists have measured quakes on Earth’s Moon, and see evidence for seismic activity on Mars, Venus and several moons of Jupiter, too!
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Earthquake, any sudden shaking of the ground caused by the passage of seismic waves through Earth’s rocks.
Seismic waves are produced when some form of energy stored in Earth’s crust is suddenly released, usually when masses of rock straining against one another suddenly fracture and “Slip.” Earthquakes occur most often along geologic faults, narrow zones where rock masses move in relation to one another.
Seismology, which involves the scientific study of all aspects of earthquakes, has yielded answers to such long-standing questions as why and how earthquakes occur.
The nature of earthquakes Causes of earthquakes Earth’s major earthquakes occur mainly in belts coinciding with the margins of tectonic plates.
The most important earthquake belt is the Circum-Pacific Belt, which affects many populated coastal regions around the Pacific Ocean-for example, those of New Zealand, New Guinea, Japan, the Aleutian Islands, Alaska, and the western coasts of North and South America.
Natural forces Earthquakes are caused by the sudden release of energy within some limited region of the rocks of the Earth.
Earthquakes associated with this type of energy release are called tectonic earthquakes.
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3D rendering refers to adapting the likeness of an object in the form of an image.
The final step in the process referred to as “Rendering” is where the 3D software computes all inputs to create a two-dimensional image.
Some of the more common applications of 3D rendering include; architectural renderings of real estate, interior renders of rooms and spaces, and product renderings.
3D Renderings are also standard in visualizing prototypes for entrepreneurs.
3D modelling and rendering are highly flexible, so it is possible to create a 3D render of just about anything imaginable.
UNDERSTANDING THE 3D RENDERING PROCESS. The method below describes the 3D rendering of 2D images.
USES FOR 3D RENDERING. Now that you better understand the rendering process, let’s get to the fun part: What can rendering do for you?
RAY TRACING. Ray tracing creates images by tracing light beams from a camera across a virtual plane of pixels and modeling the impact of their interactions with objects.
To obtain shadows, for example, some rays must be traced; to obtain reflections, other rays must be traced, and so on.
Reflections, refractions, translucencies, and more sophisticated aspects such as lighting must all be considered by 3D artists.
RASTERIZATION. One of the first techniques for rendering and works by considering the object as a polygonal mesh.
RAY CASTING. Although beneficial, rasterization has limitations when overlapping items are present: If surfaces overlap, the latest one drawn will be mirrored in the render, resulting in the rendering of the incorrect item.
Ray casting, as the name suggests, casts rays onto the model from the camera’s perspective.
RENDERING EQUATION. Rendering progress ultimately led to the rendering equation, which aims to replicate how light is emitted more precisely in reality.
Image courtesy of Enver BK. 3D rendering software is the process of generating an image from a model by means of computer software.
Software rendering produces images of the highest quality, letting you achieve the most sophisticated results.
It is generally faster than software rendering, but typically produces images of lower quality compared to software rendering.
3D modeling, animation, and rendering software for games and design visualization.
3D animation, modeling, simulation, and rendering software for film, games, and TV. Learn more.
Use the same 3D rendering software as top professionals around the world.
Watch video lessons on rendering and visualizations from expert rendering artists and architects.
Ben Rubey, 3D Art Lead for Marxent, explains, “3D rendering is the act of creating a 2D image from a 3D scene. Compare it to taking a photo with a camera. In 3D rendering, you take all of the 3D data and turn it into a snapshot of the scene.”
3D post-processing rendering is done on a 3D render once it reaches a stage acceptable to the artist.
3D rendering is one of the final steps in 3D visualization.
3D rendering transforms 3D modeling into high-quality, detailed, and lifelike images.
3D modeling precedes 3D rendering in the 3D visualization process, and modeling services are often purchased.
Types of 3D Rendering Real-Time or Interactive Rendering: Real-time rendering is used primarily in interactive and gaming graphics, where images process from 3D information at high speed.
The 1970s: 3D Solid Modeling Software: Rendering took off when Martin Newell used 3D visualization and rendering to create the “Utah Teapot,” the icon of 3D rendering.
3D rendering is the process of turning information from a 3D model into a 2D image.
3D rendering can be used to create a variety of images, from the intentionally non-realistic to what’s called photorealistic.
Behind every 3D rendered image, realistic or not, is a rendering process that starts with 3D modeling.
A B2C brand looking to streamline its eCommerce photography efforts might seek out 3D rendering services to create photorealistic images of its entire catalog.
If you don’t, the process of creating the rendering will take a bit longer, as it may take some time to develop the initial model used to generate the 3D rendered images.
Another consideration when calculating the cost of 3D rendering is that 3D imagery has been shown to both increase conversions and reduce returns on eCommerce sites.
As more professionals and brands discover how accessible today’s 3D rendering software is, more industries will find applications for 3D rendering that make their processes faster and more cost-effective while offering better, more communicative visual representations of their work.
Cedreo’s lighting effects, shadows, and textures will add more depth to your projects.
Present detailed 3D renderings that help clients visualize their new home – and close deals faster than ever before.
Are you looking for software that offers CPU rendering, GPU rendering or both? What rendering features do you need? What material types do you need? What 3D m.odelin.
The best 3D model rendering software allows users to add effects like lighting, texturing and weather to bring environments to life, and 3D rendered images are usually interactive, navigable and scalable.
While architects use CAD software to come up with initial designs, models and blueprints, 3D rendering software allows them to bring these designs to life in a format that’s easily shareable and understandable.
Blender also offers both CPU and GPU rendering, with multi-core CPU rendering with SIMD acceleration, GPU rendering with NVidia CUDA and AMD OpenCL, multi-GPU support, and a unified rendering kernel for CPU and GPU. This free 3D rendering software also scores high in terms of usability.
Is a biased GPU renderer that’s one of the best 3D CAD rendering software aimed at beginners, students and hobbyists who don’t have expert rendering knowledge, as well as professionals.
Is widely regarded as one of the best 3D rendering software on the market and provides state of the art rendering solutions for film, VFX, architecture, automotive design, fashion, interior design, and other industries.
This 3D rendering and animation software software is compatible with most major 3D creation suites, including 3DS Max, Maya, Revit, SketchUp, Cinema 4D and Houdini.
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Data visualization helps you turn all that granular data into easily understood, visually compelling-and useful-business information.
By tapping into external data sources, today’s data visualization tools don’t simply let you see your KPIs more clearly, they unify data and apply AI-driven analytics to reveal relationships between your KPIs, the market, and the world.
Data visualization brings data to life, making you the master storyteller of the insights hidden within your numbers.
Through live data dashboards, interactive reports, charts, graphs, and other visual representations, data visualization helps users develop powerful business insight quickly and effectively.
With so many data visualization tools, how do you choose the right solution for your specific needs? In the end, you want a tool that gives you the insights you need to help you focus on what matters most.
Where will your data come from? Consider how you’ll connect or import your data and determine if the tool offers a seamless fit with your systems.
On a website, in a blog post, or in an online news article? Find a tool that allows flexibility to post and share your data visualization wherever your story should be told-one that lets you create data stories with amazing interactive visualizations and easily publish them to your blog or website.
Data visualization is the graphical representation of information and data.
Data visualization helps to tell stories by curating data into a form easier to understand, highlighting the trends and outliers.
What a crazy concept! With public data visualization galleries and data everywhere online, it can be overwhelming to know where to start.
We’ve collected 10 of the best examples of data visualization of all time, with examples that map historical conquests, analyze film scripts, reveal hidden causes of mortality, and more.
While these may be an integral part of visualizing data and a common baseline for many data graphics, the right visualization must be paired with the right set of information.
One of the earlier books about data visualization, originally published in 1983, set the stage for data visualization to come and still remains relevant to this day.
There are dozens of tools for data visualization and data analysis.
Once you’ve answered those initial questions about the type of data you have and the audience who’ll be consuming the information, you need to prepare for the amount of data you’ll be working with.
Big data brings new challenges to visualization because large volumes, different varieties and varying velocities must be taken into account.
Plus, data is often generated faster that it can be managed and analyzed.
There are factors you should consider, such as the cardinality of columns you’re trying to visualize.
High cardinality means there’s a large percentage of unique values.
Low cardinality means a column of data contains a large percentage of repeat values.
Data visualization can be used for: Making data engaging and easily digestible.
Data visualization allows us to frame the data differently by using illustrations, charts, descriptive text, and engaging design.
Highlighting specific data points helps your data visualization tell a compelling story.
While good data visualization will communicate data or information clearly and effectively, bad data visualization will do the opposite.
If you want to present your data accurately and ethically, then you need to take care to ensure that your data visualization does not present the data falsely.
Often enough, writers may be using data visualization to skew the data in a way that supports their opinions, but that may not be entirely truthful.
The result will be a data visualization infographic that is engaging and rich in visual data.
References Links to Notebooks References Cited Data Visualization Data-X: Applied Data Ventures What is data visualization? Data visualization is the graphical representation of information and data.
What makes for eﬀective data visualization? Visualization transforms data into images eﬀectively and accurately represent information about the data.
Sutardja Center at UC Berkeley What are the advantages of data visualization? Makes for easier interpretation of patterns and trends as opposed to looking at data in a tabular/spreadsheet format.
Examples of Data Visualizations Left to Right: John Snow’s 1854 Cholera Outbreak Map, Demographic Gender Breakdown, Government Budget Treemap of Benin About Data Visualization Painting a Picture of Data Visualization: Oxford English Dictionary Deﬁnition, 1989: To form a mental image, picture of; to make visible to the mind or imagination There are 3 goals: To explore data, to analyze data, and/or to present data.
Question: What Would You Like to Show? Relationships between variables Composition of the data over time Distribution of variable(s) in data Comparison of data with relation to time, variables, categories, etc.
About Data Visualization Matplotlib matplotlib.org/gallery Matplotlib – About About Matplotlib: Matplotlib is a comprehensive library for creating static, animated and interactive visualizations in Python.
Matplotlib Seaborn Plotly Tableau Resources Visualization Tools Comparison Data import & usage Viz options & customization Free/paid features More or less technical? – Can import from many data types.
Additional COVID-NET hospitalization data, including rates for different age groups and by surveillance site, are available on the COVID-NET interactive data page.
CDC conducted experiments to assess two ways of improving the fit of medical procedure masks: fitting a cloth mask over a medical procedure mask, and knotting the ear loops of a medical procedure mask and then tucking in and flattening the extra material close to the face.
During September-November 2020, mask use was directly observed at six universities with mask mandates.
Among persons observed indoors, 91.7% wore masks correctly, varying by mask type, from 96.8% for N95-type masks and 92.2% for cloth masks to 78.9% for bandanas, scarves, and similar face coverings.
Among 17 rural Wisconsin schools, reported student mask-wearing was high, and the COVID-19 incidence among students and staff members was lower than in the county overall.
Among 191 cases identified in students and staff members, only seven cases, all among students, were linked to in-school spread. Read the full report.
The National Football League observed SARS-CoV-2 transmission after <15 minutes of cumulative interaction, leading to a revised definition of a high-risk contact that evaluated mask use and ventilation in addition to duration and proximity of interaction.
Assuming your data visualizations contain correct data and are done properly, you’ll not only be able to make decisions faster, but they will be based on data that you fully comprehend.
These specific data visualizations usually work best with less than 15 data points.
The key to making your doughnut charts or pie charts clearer, is to break down your data into two pieces of data to highlight the point you want to make.
A timeline is a great data visualization technique when you wish to show data in a chronological order and highlighting those important points in time.
To create a Timeline, simply layout your data points along a PowerPoint shape, and mark the data off to visually see your overall project.
A dashboard is a data visualization that brings multiple pieces of data onto a single slide.
While data visualization helps your audience understand your data more easily, you’ll still want to label it well.
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From smart and connected devices to intelligent solutions and services, Xylem Vue supports your digital journey.
Stories about how we are solving water around the world.
Xylem is teaming with leading organizations to drive breakthrough innovation and shape the future of water.
“On January 12, 2011, Xylem’s parent, ITT Corporation announced its plan to separate the company into three, stand-alone publicly traded, independent companies”.
ITT Corporation spun off its defense businesses into a company named ITT Exelis, and retained its corporate name, logo and “Engineered for life” company tagline for its other activities.
The company, known as Downs & Company until 1869, cast and assembled the world’s first all-metal pump in 1849.
In 1869, the Goulds name was added, and the company became known as Goulds Manufacturing Company.
In 200x, YSI merged with Analytics division of ITT Corp. to form new water company Xylem.
The firm acquired various companies: in the 1980s Design Analysis Associates, Inc., a firm founded by William I. Fletcher; and acquired Endeco, a Marion, MA, oceanographic data collection and monitoring company.
In the 1990s they acquired Victory Engineering Company, Springfield, NJ to complement YSI temperature product line, and SonTek, a precision water velocity measurement company, founded in California; they also acquired controlling interests in Clandon Scientific in England In the 2000s, they acquired Hydrodta UK, and acquired environmental business from AMJ Equipment Corp and renamed the new environmental monitoring and services company AMJ Environmental in St. Petersburg, Florida.
Xylem, Inc. engages in the design, manufacture, and application of engineered technologies for the water industry.
It operates through following business segments: Water Infrastructure, Applied Water, and Measurement and Control Solutions.
The Water Infrastructure segment focuses on the transportation, treatment and testing of water.
The Applied Water segment encompasses the uses of water and focuses on the commercial, residential, and industrial end markets.
The Measurement and Control Solutions segment focuses on developing technology solutions that enable intelligent use and conservation of critical water and energy resources as well as analytical instrumentation used in the testing of water.
The company was founded in 2011 and is headquartered in Rye Brook, NY..
Our mission is to match the demand for engineered materials and components with the capabilities of the manufacturing companies that we represent.
Greater value is often achieved by combining materials and services.
When the commercial or technical complexity extends beyond our core manufacturing partners, Xylem provides value-added distribution, component development, assembly, and service-oriented transactions.
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Trade finance represents the financial instruments and products that are used by companies to facilitate international trade and commerce.
Trade finance makes it possible and easier for importers and exporters to transact business through trade.
Trade finance is an umbrella term meaning it covers many financial products that banks and companies utilize to make trade transactions feasible.
Trade finance provides the exporter with receivables or payment according to the agreement while the importer might be extended credit to fulfill the trade order.
“Some 80 to 90 percent of world trade relies on trade finance…” – World Trade Organization Trade finance can help reduce the risk associated with global trade by reconciling the divergent needs of an exporter and importer.
Trade finance helps both importers and exporters build trust in dealing with each other and thus facilitating trade.
Think of trade finance as using the shipment or trade of goods as collateral for financing the companies growth.
Trade Finance has been reviewing the global trade and export finance markets since 1983 and what constitutes trade finance has gone from a basic letter-of-credit product to highly structured combined bond and debt ECA financings.
Trade finance is used when financing is required by buyers and sellers to assist them with the trade cycle funding gap.
Trade finance helps settle the conflicting needs of the exporter and the importer.
The function of trade finance is to act as a third-party to remove the payment risk and the supply risk, whilst providing the exporter with accelerated receivables and the importer with extended credit.
Trade finance is a large industry and covers many various sectors whereas the description above only explains ‘traditional trade finance’.
To go into further detail about trade finance we have split up the definition into sectors of trade finance which we strive to cover.
What is…? To help go into further detail of what trade finance is, we have split the definition up into the key sectors of the trade finance industry and the ones that we strive to cover.
According to the World Trade Organization, 80 to 90 per cent of world trade relies on trade finance in some capacity.
Today, a broad set of trade finance solutions are available to corporations around the globe, they are all directed to satisfy needs of risk mitigation, settlement, information, and finance.
As stated in the ICC Banking Commission paper on Trade financing and COVID-19, the COVID-19 crisis risks further exacerbating longstanding constraints in the trade finance market in a number of strategically important segments from an economic development perspective.
The ICC Banking Commission has also issued guidance to help banks manage COVID-19 related disruptions by adapting the application of its widely used rules for key trade finance products.
If you want to enhance your understanding of trade finance further, we recommend our online Global Trade Certificate programme.
Global Trade Certificate:The GTC is our introductory trade finance certification programme.
David is a Senior Technical Advisor to the ICC Banking Commission and also runs his own trade finance training company.
Trade Finance is funding of trade transactions and it can be conducted in the presence of both buyer and seller of products and services and it can be facilitated with the help of various intermediaries like banking institutions and financial institutions.
Trade finance lets companies import and export their products and services with lots of ease and convenience.
Trade Credit – Trade credit is a trust that lies in between a buyer and a seller with respect to payments that are proposed by the former to be paid at a date later to the latter.
There are various types of risks associated with trade financing.
Trade finance helps in reducing the delay of the shipment of goods in a manner that these are received and inspected on time by the receiver which builds trust between the buyers and the sellers and minimizes numerous risks like delay in payments, issues in the exchange rate, loss or theft of products and services that could arise out of such complicated transactions.
One of the reasons why trade finance is highly discouraged could be the fact that it can turn out to be very expensive if, in any case, the payments are delayed or are failed to be processed on time.
Here we discuss how does trade finance work along with its types, methods, benefits, and drawbacks.
Grow your export sales with international trade financing programs.
The U.S. government offers a variety of financing and insurance products to help you build working capital, sell abroad, and protect your business.
U.S. Government programs can help you get bank loans for your business development, working capital, and project financing needs.
Minimize your risk by considering export credit insurance, addressing foreign exchange risk, and avoiding potential payment problems from your buyer.
Trade finance makes import and export transactions possible for entities ranging from a small business importing its first private-label product from overseas, to multi-national corporations importing or exporting large amounts of inventory around the globe each year.
Trade finance covers different types of activities including issuing letters of credit, lending, forfaiting, export credit and financing, and factoring.
The trade financing process involves several different parties, including the buyer and seller, the trade financier, export credit agencies, and insurers.
Trade finance has evolved to address all of these risks by accelerating payments to exporters, and assuring importers that all the goods ordered have been shipped.
The loan extended to the exporter will be recovered by the trade financier when the importer’s payment is received by the exporter’s bank.
Trade finance has led to the enormous growth of economies across the globe because it has bridged the financial gap between importers and exporters.
An exporter is no longer afraid of an importer’s default in payments, and an importer is sure that all the goods ordered have been sent by the exporter as verified by the trade financier.
U.S. companies may face working capital challenges when importing goods from suppliers in other countries.
Not so much if the suppliers offer payment terms long enough for the goods to be shipped, delivered, processed, and sold by the U.S. company.
Meridian may be able to arrange supply chain finance for creditworthy U.S. companies’ purchases from overseas suppliers.
Supply chain finance for U.S. importers comes in two forms: supplier credit or buyer credit.
Supplier credit is essentially non-recourse factoring of the overseas supplier’s receivables.
Some overseas suppliers may be prepared to offer U.S. importers open-account payment terms if they know they’ll be able to sell/discount their accounts receivable without recourse immediately following shipment.
The overseas supplier’s invoice gets paid at whatever time is instructed by the U.S. importer, who then has up to 120 days to repay the loan.
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Stock Markets Perhaps the most ubiquitous of financial markets are stock markets.
Certain derivatives markets are exclusively OTC, and so make up an important segment of the financial markets.
What Are the Different Types of Financial Markets? Some examples of financial markets and their roles include the stock market, the bond market, forex, commodities, and the real estate market, among several others.
Financial markets can also be broken down into capital markets, money markets, primary vs. secondary markets, and listed vs. OTC markets.
How Do Financial Markets Work? Despite covering many different asset classes and having various structures and regulations, all financial markets work essentially by bringing together buyers and sellers in some asset or contract and allowing them to trade with one another.
What Are the Main Functions of Financial Markets? Financial markets exist for several reasons, but the most fundamental function is to allow for the efficient allocation of capital and assets in a financial economy.
Who Are the Main Participants in Financial Markets? Firms use stock and bond markets to raise capital from investors; speculators look to various asset classes to make directional bets on future prices; hedgers use derivatives markets to mitigate various risks, and arbitrageurs seek to take advantage of mispricings or anomalies observed across various markets.
A Financial Market is a term meant for a Business setup where different types of bonds and securities trade are done at lower rates of transaction.
Different types of Financial holdings can be traded in these Markets.
There are various types of Financial Markets, the New York Stock Exchange is one of the biggest stock Markets on this globe and this Financial Market records trade worth trillions of dollars everyday.
Financial Markets helps in mobilizing savings, determining and settling the prices of various securities, providing liquidity to assets, and easing access to all types of traders.
While studying the functions of Financial Markets, students must take note of these aspects discussed below.
Mobilising Funds: Among the diverse types of functions served by Financial Markets, one of the most crucial functions is that of mobilisation of savings.
Students trying to learn “What are the different Financial Markets” must note these classifications described below.
Simply put, businesses and investors can go to financial markets to raise money to grow their business and to make more money, respectively.
There are various indices that investors can use to monitor how the stock market is doing, such as the Dow Jones Industrial AverageThe Dow Jones Industrial Average, also referred to as “Dow Jones” or “The Dow”, is one of the most widely-recognized stock market indices.
Such a market involves derivatives or contracts whose value is based on the market value of the asset being traded.
In financial markets, various types of information regarding securities can be acquired without the need to spend.
The stock market refers to public markets that exist for issuing, buying and selling stocks that trade on a stock exchange or over-the-counter.
Markets include brokers, dealers, and exchange markets.
The different types of markets allow for different trading characteristics, outlined in this guide.
A financial market refers to a platform in which people and entities can trade securities, commodities, or other goods reflecting the demand and supply of the financial assets.
Characteristics of Financial Market The essential function of a financial market is to connect the investors and borrowers.
The timing of each financial market differs as per the type of market.
For a corporate entity, the stock market is divided into primary market and secondary market.
The market can be categorized as interbank market and OTC. The Interbank market is available only for currencies exchange amongst banks, while the OTC market is available for businesses, individuals, and corporates.
Analysis of Financial Market The primary job of financial markets is to ensure the smooth flow of funds between various hands.
Key Takeaways The financial market refers to a platform in which entities can trade financial securities.
The financial market refers to the marketplace where the activities related to creating and trading different financial assets such as bonds, shares, commodities, currencies, derivatives, etc.
It provides the platform for sellers and buyers of financial assets to meet and trade with each other at a price determined by market forces.
Millions of dollars are traded daily in the financial market depending upon the economy.
Stringent rules and regulations in the financial market gain confidence of both investors and companies and help boost the economy.
Companies cannot enter the financial market due to stringent rules and regulations.
Even after independent regulatory bodies and various banks and financial institutions regulate the financial market, there is instability in price and rate fluctuations.
Here, we discuss types of the financial market, including the money market, capital market, spot market, etc.
A financial market is a market in which people trade financial securities and derivatives at low transaction costs.
Edit] Primary market: A primary market is a market for new issues or new financial claims.
Simply put, primary market is the market where the newly started company issued shares to the public for the first time through IPO. Secondary market is the market where the second hand securities are sold.
Edit] Money market: Money market is a market for dealing with the financial assets and securities which have a maturity period of up to one year.
Capital market: A capital market is a market for financial assets that have a long or indefinite maturity.
Financial service market: A market that comprises participants such as commercial banks that provide various financial services like ATM. Credit cards.
Non-depository market: Non-depository market carry out various functions in financial markets ranging from financial intermediary to selling, insurance etc.
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FCA’s mass-market brands operated through two main subsidiaries: FCA Italy with headquarters in Turin, and FCA US in Auburn Hills, Michigan.
FCA carried out its mass-market automotive operations through two main subsidiaries: FCA Italy and FCA US. The company announced both name changes in December 2014.
FCA Italy included the Italy-based brands Abarth, Alfa Romeo, Fiat, Fiat Professional, Lancia, and the engine manufacturing subsidiary VM Motori.
In January 2016, Ferrari became a separate investment of Exor, siding with FCA and CNH, after FCA listed 10% of the company on the NYSE in October 2015 and distributed its remaining 80% stake in Ferrari to FCA shareholders.
In March 2017, FCA was a stakeholder in the creation of Italy’s largest media group GEDI Gruppo Editoriale, created by the merger of Gruppo Editoriale L’Espresso publishing L’espresso and La Repubblica with Italiana Editrice, of which FCA held 77% of the shares and which publishes the Torino daily La Stampa and Il Secolo XIX. Subsequently, FCA divested from publishing by distributing its shares to its own shareholders, again mainly Exor, so to concentrate on the automobile business.
On 21 July 2018, FCA suddenly replaced chief executive Marchionne in all of his positions at FCA, Ferrari, SGS, and CNH following emergency meetings of each respective company’s board of directors.
The FCA logo, which comprises stylised blue letters resembling FCA, was created by the Italian branding company Robilant Associati, ending the use of the Fiat S.p.
The company operates through five segments: North America, LATAM, APAC, EMEA, and Maserati.
It provides passenger cars, SUV vehicles, trucks, and light commercial vehicles under the Jeep, Ram, Dodge, Chrysler, Fiat, Alfa Romeo, and Abarth brands; and luxury vehicles under the Maserati brand, as well as related service parts and accessories, and service contracts under the Mopar brand.
The company also provides cast iron components for engines, gearboxes, transmissions and suspension systems, aluminum cylinder heads, and engine blocks under the Teksid brand; and designs and produces industrial automation systems and related products for the automotive industry under the Comau brand name.
It provides retail and dealer financings, and leasing and rental services; and factoring services.
The company was formerly known as Fiat S.p.
A. and changed its name to Fiat Chrysler Automobiles N.V. in October 2014.
Fiat Chrysler Automobiles N.V. was founded in 1899 and is based in London, the United Kingdom.
FCA and PSA Group have completed the merger announced in 2020, creating Stellantis, now the fourth-biggest automaker in the world by volume.
Stellantis becomes the operator of 14 different brands, including Chrysler, Fiat, Jeep, Ram, Peugeot, and Citroën.
PSA Group and Fiat Chrysler Automobiles have officially merged to create Stellantis, bringing together 14 vehicle brands across the globe.
With the completion of a merger that has been in the works for more than a year, Stellantis becomes the fourth-biggest automaker in the world by volume and third-biggest by revenue.
Now under the Stellantis umbrella are Chrysler, Dodge, Jeep, Ram, Fiat, Alfa Romeo, Abarth, Lancia, and Maserati-thanks to FCA-as well as Citroën, DS, Opel, Peugeot, and Vauxhall, thanks to PSA. Stellantis will be headquartered in Amsterdam and will have operation centers in France, Italy, and the United States.
Currently, it’s unclear whether or not some of the 14 brands will be cut from the Stellantis portfolio; Tavares wouldn’t specify today.
Currently, Stellantis has 29 electrified vehicles on the market-including both fully electric and hybrid vehicles-and will offer 39 by the end of 2021.
AMERICA’S ONLY PLUG-IN HYBRID MINIVAN. Get more value in the affordable seven-passenger Chrysler Pacifica Hybrid.
The exceptional and efficient hybrid powertrain delivers a pure electric range for local driving and gas range for extended excursions, so you have the freedom to go wherever you want-near or far.
Put some money back in your pocket with a onetime $7,500 federal tax credit.
MORE STANDARD SAFETY AND SECURITY FEATURES THAN ANY VEHICLE IN ITS CLASS. “With over 115 standard and available safety and security features like Pedestrian Automatic Emergency Braking, Adaptive Cruise Control and Full-Speed Forward Collision Warning with Active Brakinginvolvement. The driver must remain aware of traffic conditions and be prepared to use brakes to avoid collisions.”>, your family can have peace of mind in the Chrysler Pacifica.
The actual fuel consumption of this vehicle may differ depending on driving style, road conditions, vehicle options, etc.
The 2017 FIAT® 500 Abarth is one of the 10 Coolest Cars Under $25,000 according to Kelley Blue Book’s KBB.com, based on vehicles available in the U.S. market.
Vehicle Health Report provides a summary of your vehicle’s key systems, including the status of malfunction indicator lamps.
Based on vehicles available in the U.S. market.
2020 model-year vehicle’s projected cost to own for the initial five-year ownership period is based on the average Kelley Blue Book 5-Year Cost to Own data which considers depreciation and costs such as fuel and insurance.
“Excellent” condition means that the vehicle looks new and is in excellent mechanical condition.
“Very Good” condition means that the vehicle has minor cosmetic defects and is in excellent mechanical condition.
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On 9 April 1976 they increased their stake of the then bankrupt company to 89.95%, thus creating the PSA Group, becoming PSA Peugeot Citroën.
On 24 October, PSA said it was close to an agreement with creditor banks on €11.5 billion of refinancing and had won state guarantees on €7 billion in further borrowing by its Banque PSA Finance.
PSA plans to continue using some of Opel’s existing platforms and models, many of which are shared with GM, at least for a few years until the entire model range is updated and will only feature PSA platforms.
GM has discussed the possibility of handing over various patents, technologies, and platforms to PSA in exchange for PSA’s taking responsibility for a portion of Opel employees’ pensions, which it seems PSA has agreed to.
The manufacturer of Peugeot, Citroën and DS Automobiles-branded cars and vans, 100% owned by PSA Group and formed from the combination of Automobiles Citroën and Automobiles Peugeot.
PSA wholly owns Banque PSA Finance which provides financial services, and 98.67% of GIE PSA Tresorerie which was founded in 1990 as a treasury and cash management services division.
In 2020, CAPSA was dissolved following the sale of the each 50% stakes of PSA and Changan to Baoneng Group.
6/5/2018: New award for EB Turbo PureTech voted “Engine of the Year 2018”.Today, the Turbo PureTech 3-cylinder petrol engine was named International Engine of the Year in the 1-litre to 1.4-litre category, for the 4th year in a row, by the panel of the 20th International Engine of the Year Awards in Stuttgart.
Groupe PSA has filed 210 patents for its family of 3-cylinder petrol engines.
The new generation PureTech engine offers improved performance, fuel consumption and efficiency, with specific benefits including: a 4% improvement in fuel consumption on average compared with the previous generation; improved engine response time thanks to an optimised turbocharger; a 75% reduction in particulate emissions through the use of a gasoline particulate filter, meeting the Real Driving Emissions conformity factor of 1.5 set by EU regulations for 2020, three years in advance; a more compact structure, to adapt to the new Common Modular Platform dedicated to small city cars, core sedans and compact SUVs.
The engines comply with Euro 6d-TEMP and China 6b standards.
Panhard now enables these Armies to upgrade the hundreds of VBL currently in use, by integrating among other a new and more powerful powertrain than the Peugeot XD3T which has proven its reliability over the years.
After several years of development work and severe tests in extreme conditions, PSA Powertrain and Panhard have signed a Supply Agreement for the repowering of the French Army’s vehicles.
Matched with an automatic transmission, the DW10FC engine issued from the Peugeot 508 passenger car, will power the 5-ton Panhard vehicle starting July 2018, enabling this highly durable vehicle to start a new career on worldwide fields.
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Palo Alto Networks, Inc. engages in the provision of network security solutions to enterprises, service providers, and government entities.
The company was founded by Nir Zuk, Rajiv Batra and Yu Ming Mao in March 2005 and is headquartered in Santa Clara, CA..
Symmetry Partners LLC acquired a new position in shares of Palo Alto Networks, Inc. in the 4th quarter, according to its most recent disclosure with the Securities & Exchange Commission.
Arrowstreet Capital Limited Partnership raised its holdings in shares of Palo Alto Networks by 26.0% in the third quarter.
Frontier Capital Management Co. LLC raised its holdings in shares of Palo Alto Networks by 70.6% in the third quarter.
Liontrust Investment Partners LLP acquired a new position in shares of Palo Alto Networks in the third quarter worth $176,464,000.
Finally, Schroder Investment Management Group raised its holdings in shares of Palo Alto Networks by 462.9% in the third quarter.
In a research report on Wednesday, November 24th. Morgan Stanley lifted their price objective on Palo Alto Networks from $660.00 to $670.00 and gave the company an “Overweight” rating in a research report on Wednesday, February 23rd. Truist Financial lifted their price objective on Palo Alto Networks from $525.00 to $600.00 and gave the company a “Buy” rating in a research report on Friday, November 19th. Finally, Wells Fargo & Company began coverage on Palo Alto Networks in a research report on Wednesday, January 5th. They issued an “Overweight” rating and a $700.00 price objective for the company.
Palo Alto Networks last issued its quarterly earnings data on Monday, February 21st. The network technology company reported $1.74 earnings per share for the quarter, topping analysts’ consensus estimates of $1.65 by $0.09.
Palo Alto Networks’ stock price jumped nearly 7% during after-hours trading on Feb. 22 following its second-quarter earnings report.
Those headline numbers were impressive, but should investors still buy Palo Alto’s stock as rising interest rates punish higher-growth tech stocks?
18%. 25%. 32%. 30%. For the third quarter, Palo Alto expects its billings to grow 24% to 25% and for its total revenue to increase 25% to 27%. For the full year, it expects its billings to increase 25% to 26% and its revenue to grow 27% to 29%. That’s significantly higher than its previous guidance for 22% to 23% billings growth and 26% to 27% revenue growth.
For the full year, Palo Alto expects its adjusted FCF margin to hover between 32% to 33% and for its non-GAAP EPS to grow 18% to 19% – which is also higher than its previous forecast for 16% to 18% earnings growth.
Palo Alto Networks isn’t cheap, but it provides a solid balance of growth and value for investors who think CrowdStrike, SentinelOne, and other high-growth cybersecurity stocks are too hot to handle.
Last January, I called Palo Alto Networks my top cybersecurity stock to buy for 2021.
They just revealed what they believe are the ten best stocks for investors to buy right now… and Palo Alto Networks wasn’t one of them! That’s right – they think these 10 stocks are even better buys.
Palo Alto Networks has outperformed the market over the past 5 years by 25.32% on an annualized basis.
Buying $1,000 In PANW: 5 years ago, an investor could have purchased 8.72 shares of Palo Alto Networks at the time with $1,000.
This investment in PANW would have produced an average annual return of 38.35%. Currently, Palo Alto Networks has a market capitalization of $57.04 billion.
80 today based on a price of $579.19 for PANW at the time of writing.
You can check out Benzinga’s market data in an enhanced view on Benzinga Pro.
This article was generated by Benzinga’s automated content engine and reviewed by an editor.
SANTA CLARA, Calif., Feb. 9, 2022 /PRNewswire/ – Palo Alto Networks, a 10-time leader in network firewalls, today announced Nebula, the latest upgrade of its industry-leading PAN-OS software, to help find the evasive, zero-day attacks that can cripple organizations – and stop them in their tracks.
PAN-OS® 10.2 Nebula collects, analyzes and interprets potential zero-day threats in real time using inline deep learning – a network security first.
Nebula also introduces AIOps – Palo Alto Networks tenth security service – and the new Advanced Threat Prevention service while enhancing Advanced URL Filtering, DNS Security, IoT Security and other related security services.
“In the past, nation-state-led cyberattacks were considered the rarest and most advanced. But today, attackers of all kinds have an advanced arsenal at their fingertips; every organization must now assume they will be the target of a nation-state-level attack,” said Lee Klarich, chief product officer, Palo Alto Networks.
“Modern network security requires a fundamentally new approach. Today, Palo Alto Networks has brought that new approach to our ML-Powered Next-Generation Firewalls by harnessing the processing power of the cloud to enable deep learning inline. We believe that is how all network security will be done in the future.”
DNS Security: Now extends protection for the latest DNS-based attack techniques, including strategically aged domains, making it the most comprehensive DNS security solution available with 40% more DNS-based threat coverage than other leading vendors.
“Palo Alto Networks’ industry-leading machine learning-based platform applies techniques that help customers handle sophisticated threats and meet end-to-end demands across network, endpoint, and cloud security. The company enables enterprises to go beyond standard threat protection by building a strong security posture and resilience,” said Rajarshi Dhar, industry analyst, Frost & Sullivan.
One that protects our way of life in the digital age by preventing successful cyberattacks.
Learn more about how you can expand your skills and grow your career by joining our culture of innovation, authenticity, and collaboration.
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In February 2019, Palo Alto Networks acquired security orchestration company Demisto for $560 million.
In May 2019, Palo Alto Networks acquired container security startup Twistlock for $410 million.
In June 2019, Palo Alto Networks acquired serverless security startup PureSec for $47 million.
Palo Alto Networks offers an enterprise cybersecurity platform which provides network security, cloud security, endpoint protection, and various cloud-delivered security services.
As a streamlined cloud service provided by Palo Alto Networks through GlobalProtect Cloud Service… Panorama, a network security control center that allows customers to manage a fleet of firewalls at an enterprise scale from a single console.
Cortex Data Lake – Cortex data lake provides a cloud-delivered log aggregation service for Palo Alto Networks devices located in on-premise networks, directly from endpoints, or cloud based products such as Prisma Access.
Prisma Access – Prisma Access is the Palo Alto Networks offering for moving the enterprise network monitoring and analysis functions into the cloud.
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Norton AntiVirus Plus offers protection for 1 PC or Mac.
Norton 360 Deluxe offers protection for up to 5 PCs, Macs, smartphones or tablets.
Norton 360 with LifeLock Select offers protection for up to 5 PCs, Macs, smartphones or tablets.
Norton 360 with LifeLock Ultimate Plus offers protection for unlimited* PCs, Macs, smartphones or tablets.
NortonLifeLock Inc., formerly known as Symantec Corporation is an American software company headquartered in Tempe, Arizona, United States.
At the time of the merger, Symantec had built upon its Turner Hall Publishing presence in the utility market, by introducing Symantec Antivirus for the Macintosh, and Symantec Utilities for the Macintosh.
At one time Symantec was also known for its development tools, particularly the THINK Pascal, THINK C, Symantec C++, Enterprise Developer and Visual Cafe packages that were popular on the Macintosh and IBM PC compatible platforms.
In August 2018, Symantec announced that the hedge fund Starboard Value had put forward five nominees to stand for election to the Symantec board of directors at Symantec’s 2018 Annual Meeting of Stockholders.
On May 9, 2019, Symantec announced that Clark would be stepping down and that board member Rick Hill, previously put forward by Starboard, had been appointed interim president and CEO. Vincent Pilette also joined Symantec as its new CFO. On August 9, 2019, Broadcom announced they would be acquiring the Enterprise software division of Symantec for $10.7 billion.
The November 12, 2012 Vulnerability Bulletin of the United States Computer Emergency Readiness Team reported the following vulnerability for older versions of Symantec’s Antivirus system: “The decomposer engine in Symantec Endpoint Protection 11.0, Symantec Endpoint Protection Small Business Edition 12.0, Symantec AntiVirus Corporate Edition 10.x, and Symantec Scan Engine before 5.2.8 does not properly perform bounds checks of the contents of CAB archives, which allows remote attackers to cause a denial of service or possibly execute arbitrary code via a crafted file.”
Google further stated that “By December 1, 2017, Symantec will transition issuance and operation of publicly-trusted certificates to DigiCert infrastructure, and certificates issued from the old Symantec infrastructure after this date will not be trusted in Chrome.” Google predicted that toward the end of October, 2018, with the release of Chrome 70, the browser would omit all trust in Symantec’s old infrastructure and all of the certificates it had issued, affecting most certificates chaining to Symantec roots.
Learn more about these advanced attacks and our work to stop them.
Ly/3JjUz9dOur #ThreatIntel report on “The Ransomware Threat” found that targeted ransomware attacks were up by 83% in 18 months.
4stats4protection Read the blog:For the #CISO’s in search of an #EndpointSecurity strategy that doesn’t leave your enterprise vulnerable to attacks that slip past your detection, we’re here to help.
Ly/3JjUz9d #DodThe bad news: The recently discovered #PwnKit vulnerability has been running on #Linux machines for 12 years, giving attackers unfettered root privileges.
Read the review:#Shuckworm: a “Special project” of Russia’s Federal Security Service that’s been targeting attacks against public authorities and critical infrastructure in Ukraine.
Ly/3ut2Qn4 #cybercrimeDid you hear? Attackers most likely linked to Iran have attacked a string of telecom operators in the Middle East and Asia over the past six months.
Tune into ‘s “Research Saturday” podcast to learn more from Sylvester Segura:Not less than zero: macOS is not immune to #malware attacks.
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Is it safe to buy shares of cybersecurity company CrowdStrike Holdings stock? CRWD stock has been on a bit of a rollercoaster this year.
While the pull back has been aggressive over the past few months, it inevitably raises the question of whether people should now buy the dip in CrowdStrike’s stock or avoid this one high-flying security that seems to have fallen out of favor with investors.
CrowdStrike’s gross margin in last year’s third quarter was an impressive 73%. Plus, CrowdStrike is cash flow positive.
Today, CrowdStrike’s stock trades at almost 30 times trailing sales.
More pain might lie ahead. But eventually, we will hit bottom and stocks such as CrowdStrike will recover.
Given the huge market for cybersecurity and CrowdStrike’s leading position within the industry, there’s every reason to believe that the company’s stock will be a long-term winner.
Investors willing to be patient should buy CrowdStrike shares in small increments on any further weakness.
CrowdStrike is bringing its identity threat prevention technology to its managed detection and response service, giving enterprises a chance to blunt the growing threat of identity-based attacks that has accelerated during the COVID-19 pandemic.
The cloud-based cybersecurity vendor on Wednesday unveiled Falcon Identity Threat Protection Complete, a fully managed service organizations can use to deploy automated protection and real-time detection of threats; obtain expert incident response after detection; and accelerate the time to respond to eliminate any danger.
Identity threat is CrowdStrike’s term: it’s when someone’s identity on a network is used by an unauthorized user to gain access to information they shouldn’t.
The sudden shift to remote work fueled by the pandemic has accelerated the rise in stolen credentials being used in cybercrimes and other identity threats, Thomas Etheridge, senior vice president of services at CrowdStrike, told The Register.
“On the incident response side, when we are typically responding to a ransomware outbreak, a large portion of those events typically start with stolen credentials. A threat actor gained access to stolen credentials, was able to leverage those to sneak in through a managed RDP connection and now they’re in the environment and they’re persistent.”
The most common way threat actors gain access to identity data is through phishing or similar attacks, when an employee inadvertently clicks on a link or attachment, he said.
CrowdStrike has offered Falcon Identity Threat Protection as a standalone, cloud-based application before.
CrowdStrike leverages advanced EDR applications and techniques to provide an industry-leading NGAV offering that is powered by machine learning to ensure that breaches are stopped before they occur.
This guide will give a brief description on the functions and features of CrowdStrike.
Go to TechDirect to generate a technical support request online.
For additional insights and resources, join the Dell Security Community Forum.
CrowdStrike Holdings, Inc. is an American cybersecurity technology company based in Austin, Texas.
The company has been involved in investigations of several high-profile cyberattacks, including the 2014 Sony Pictures hack, the 2015-16 cyber attacks on the Democratic National Committee, and the 2016 email leak involving the DNC. CrowdStrike was co-founded by George Kurtz, Dmitri Alperovitch, and Gregg Marston in 2011.
In June 2013, the company launched its first product, CrowdStrike Falcon, which provided endpoint protection, threat intelligence and attribution.
In October 2015, CrowdStrike announced that it had identified Chinese hackers attacking technology and pharmaceutical companies around the time that US President Barack Obama and China’s Paramount leader Xi Jinping publicly agreed not to conduct economic espionage against each other.
CrowdStrike released research in 2017 showing that 66 percent of the attacks to which the company responded that year were fileless or malware-free.
In June 2019, the company made an initial public offering on the NASDAQ. CrowdStrike helped investigate the Democratic National Committee cyber attacks and discovered their connection to Russian intelligence services.
The Ukrainian Ministry of Defense also rejected the CrowdStrike report, stating that actual artillery losses were much smaller than what was reported by CrowdStrike and were not associated with Russian hacking.
What is Crowdstrike? Founded in 2011, Crowdstrike sells its “Falcon” cybersecurity software to big corporations and government clients, including major global banks, healthcare and energy companies, according to the company.
Crowdstrike has tracked North Korean hackers for more than a decade, the company says.
Crowdstrike gained notoriety in 2016 when the Democratic National Committee paid the company to investigate a hack of its server, which it determined emanated from Russia.
Why is Trump talking about Crowdstrike? According to the transcript released by the White House, Trump said to Zelensky: “I would like you to find out what happened with this whole situation with Ukraine, they say CrowdStrike I guess you have one of your wealthy peopleThe server, they say Ukraine has it.”
Trump’s interest in CrowdStrike and the DNC server, more than three years after the hacks, is part of a larger effort to undermine the notion that Russia meddled in the 2016 election to help him win.
False claim CrowdStrike’s founder is Ukrainian Others have falsely claimed that CrowdStrike blamed Russia because Dmitri Alperovitch, its cofounder and CTO, is Ukrainian.
Trump appeared to be alluding this when he referred to “One of your wealthy people” on the call with Zelensky and the President echoed the false claim in a 2017 interview with the Associated Press saying of CrowdStrike that “I heard it’s owned by a very rich Ukrainian, that’s what I heard.”
Crowdstrike is a set of advanced EDR applications and techniques to provide an industry-leading NGAV offering machine learning to ensure breaches are stopped before they occur, Crowdstrike monitors processes running on OS by hooking, so if we run any malicious process on a machine it will monitor and log it, this all happens at in kernel level.
In this post, I am going to explain how i managed to bypass crowdstrike EDR and dump hashes executing mimiketz in crowdstrike network,.
Later, i tried to dump lsass so i could get other user hash using procdump but crowdstrike blocked procdump categorizing as malicious behavior hmmm.
I tried all known techniques to dump lsass but failed.
My next task was to dump hashes and perform the post exploitation.
Voila! I got mimiketz shell 😛 with crowdstrike & symantec still sleeping, time to dump passwords.
I then started to dump hash but no luck as I got error due crowdstrike hooking to the lsass process and not allowing me to dump, so i started testing another way to dump, dump offline.
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As part of your Geek Squad subscription, you can protect up to 3 computers or devices with Trend Micro Internet Security.
From your MyAccount page, choose the version of Internet Security you want to install – Internet Security for Windows, Internet Security for Mac, Trend Micro Mobile Security, or Password Manager – and click on the Download button.
Open your Downloads folder and double-click on the Trend Micro Internet Security file that was downloaded.
Once the serial number is entered, Internet Security will finish installing and activating your Internet Security protection on the new computer.
You can find your Trend Micro Internet Security serial number inside the Internet Security console.
The newest version of Trend Micro Internet Security offers you many new features as part of your Geek Squad subscription service.
To change which computers or devices are protected, you will need to deactivate Trend Micro Internet Security on one of the computers or devices currently being protected.
You may experience some delays before you can speak with a Trend Micro Representative.
You can still continue to get self-help and technical information here or by submitting Chat or Email cases.
Otherwise, please remain on the line and your call will be answered in the order it was received.
In 1992, Trend Micro took over a Japanese software firm to form Trend Micro Devices and established headquarters in Japan.
Trend Micro delisted its depository shares from the NASDAQ stock exchange in May. Later that year, in October, Trend Micro acquired Mountain View, California-based data loss prevention software developer Provilla.
The two companies were originally in talks for Trend Micro to license Identum’s technology, but Trend Micro later decided to purchase the firm outright.
Trend Micro claimed that Barracuda’s use of ClamAV infringed on a software patent owned by Trend Micro for filtering viruses on an Internet gateway.
In September 2014, Trend Micro began a partnership with INTERPOL wherein Trend Micro shared with the international police organization information on cybercrime threats via the company’s Threat Intelligence Service.
Trend Micro also provided a cybercrime investigation training program to INTERPOL. Also in 2014, Trend Micro expanded its Cloud App Security to protect with Microsoft Office 365 from threats not caught by native Microsoft Security.
In June 2008, Trend Micro introduced Trend Micro Smart Protection Network, a cloud-client content security infrastructure that delivers global threat intelligence to protect customers from online threats, such as data stealing malware, phishing attacks, and other web, email, and mobile threats.
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A business model is a high-level plan for profitably operating a business in a specific marketplace.
A new enterprise’s business model should also cover projected startup costs and financing sources, the target customer base for the business, marketing strategy, a review of the competition, and projections of revenues and expenses.
The business model for an advertising business may identify benefits from an arrangement for referrals to and from a printing company.
Over time, many businesses revise their business models from time to time to reflect changing business environments and market demands.
A common mistake many companies make when they create their business models is to underestimate the costs of funding the business until it becomes profitable.
There are as many types of business models as there are types of business.
This type of business model is actually called the razor-razorblade model, but it can apply to companies in any business that sells a product at a deep discount in order to supply a dependent good at a considerably higher price.
A look through HBR’s archives shows that business thinkers use the concept of a “Business model” in many different ways, potentially skewing the definition.
Many people believe Peter Drucker defined the term in a 1994 article as “Assumptions about what a company gets paid for,” but that article never mentions the term business model.
Instead, Drucker’s theory of the business was a set of assumptions about what a business will and won’t do, closer to Michael Porter’s definition of strategy.
Alex Osterwalder also builds on Drucker’s concept of assumptions in his “Business model canvas,” a way of organizing assumptions so you can compare business models.
Introducing a better business model into an existing market is the definition of a disruptive innovation, as written about by Clay Christensen.
Rita McGrath offers that your business model is failing when innovations yield smaller and smaller improvements.
In The New, New Thing, Michael Lewis refers to the phrase business model as “a term of art.” And like art itself, it’s one of those things many people feel they can recognize when they see it but can’t quite define.
The process of business model construction and modification is also called business model innovation and forms a part of business strategy.
Researchers codified their research into a sourcing business model known as Vested Outsourcing), a hybrid sourcing business model in which buyers and suppliers in an outsourcing or business relationship focus on shared values and goals to create an arrangement that is highly collaborative and mutually beneficial to each.
They suggest business model design to refer to the process of crafting a business model when none is in place and business model reconfiguration for process of changing an existing business model, also highlighting that the two process are not mutually exclusive, meaning reconfiguration may involve steps which parallel those of designing a business model.
A sourcing business model is a type of business model that is applied to business relationships where more than one party needs to work with another party to be successful.
Business model used in strategic management and services marketing that treats service provision as an industrial process, subject to industrial optimization proceduresDeveloped by A. Osterwalder, Yves Pigneur, Alan Smith, and 470 practitioners from 45 countries, the business model canvas is one of the most used frameworks for describing the elements of business models.
The brand is a consequence of the business model and has a symbiotic relationship with it, because the business model determines the brand promise, and the brand equity becomes a feature of the model.
This can comprise the development of entirely new business models, the diversification into additional business models, the acquisition of new business models, or the transformation from one business model to another.
Because there are so many types of businesses out there, business models are constantly changing – and although we’ll discuss some of the most common types below – there is no one-size-fits-all model that can be applied to every business.
As you write your business plan they will become more evident and your model will provide a vision and direction for your business idea.
As we’ve mentioned, there are a variety of types of business models – and they all can be customized or changed based on the specific company or industry – doing so is often referred to as creating a disruptive business model.
In addition to the traditional razor blades model, you’ll also see companies use the reverse razor blades model – in which they offer customers a high-margin product and then promote the sales of lower-margin products that accompany that initial product.
Of all the different types of business models, the franchise model is perhaps the one that people are most familiar with – after all, we each see and likely visit franchise businesses often in our daily lives.
One of the most traditional business models, the manufacturer model refers to when a manufacturer converts raw materials into a product.
The last business model on our list is the retailer model.
The essence of a business model is that it deﬁnes the manner by which the business enterprise delivers value to customers, entices customers to pay for value, and converts those payments to proﬁt: it thus reﬂects management’s hypothesis about what customers want, how they want it, and how an enterprise can organize to best meet those needs, get paid for doing so, and make a proﬁt.
To better understand how a business model works let’s look at an example.
If we look at the news industry in the 20th century, how the three main components of a business model worked? How would the news industry, or a news company, created value? They would have journalists write articles and produce newspapers.
A revenue model describes how a company makes money through its various revenue streams and that’s not the business model.
The development of a business model involves the use of visual tools, such as the business model canvas, which works as a common language between participants.
The reason you just don’t create another Facebook by creating another company with the same business model is because of how hard it is to create similar technologies or execute similar strategies.
Finally, don’t forget that any business, no matter how successful and established it may be on the market, need to revisit and update its business model and strategies in order to understand and get prepared for changes and trends.
Investors use business models to assess a company’s profit potential while entrepreneurs use them to shape their ideas into a sound business structure.
What Is a Business Model?A business model provides a framework for a company’s monetization strategies.
Types of Business ModelsWith many types of business models, companies may implement several models simultaneously to maximize profits.
Successful entrepreneurs utilize the business model canvas to compare different business models and select the one that leverages their strengths for the highest profits.
The Business Model CanvasIn the early 2000s, Alexander Osterwalder invented the business model canvas to help businesses develop and analyze potential business frameworks.
SaaS Business ModelThe SaaS business model features centrally-hosted software that can be licensed by multiple customers.
Diversified Business ModelsCombining multiple business models in a single company is called a diversified business model.
How do you create a moat around your business with a superior business model? Strong business models use one or several Business Model Mechanics to deliver a competitive advantage that’s hard to beat.
There is no generally accepted definition of business model innovation which makes it hard to analyse and measure Fifteen Years of Research on Business Model Innovation: How Far Have We Come, and Where Should We Go? Foss, N. J., & Saebi, T. Journal of Management, 43(1), 200-227.
The process of business model innovation is focused on how firms can transform from their existing business model into a new business model.
See my next article for the ultimate list of business model types and examples for a full list of examples and how to harness the power of these types to create innovative new business models.
Business Model Examples 11.1 Types Of Business Model Advertisement – most media publications online, e.g. Forbes, generate revenue from advertisements on their site.
E-Commerce Business model – eCommerce business model is an up-gradation of the traditional brick-and-mortar business model.
Hidden Revenue Business Model – as the name suggests this business model relates to hidden ways the business makes money, or so you think.
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Skip to Main Content Leasing or buying a car for business can have tax benefits.
It’s not too late to get a tax deduction for your IRA contributions.
Plans to spur first-time homebuying are brewing in Congress.
Typically, taxpayers have two options: Take the itemized deductions or take the standard deduction.
There are a few ways to offset losses from business debt or nonbusiness debt.
Looking to score more tax deductions? IRA CDs might be for you.
Americans say they don’t expect to gain a lot from the GOP tax cut.
These standard deductions will be applied by tax year for your IRS and state return(s) respectively.
As a result of the latest tax reform, the standard deductions have increased significantly, however many other deductions got discontinued as a result of the same tax reform.
Even if the itemized deduction is more beneficial to you, you can still select and claim one of the federal standard deduction amounts below based on your tax return for the given tax year.
These standard deduction amounts are for 2021 Tax Returns that are due on April 18, 2022.
Below, find standard deductions organized by tax return filing status, age, and an extra deduction amount if the taxpayer is legally blind.
As a nonresident alien and dual-status aliens you are not allowed to claim the standard deduction and must itemize in order to claim tax deductions on Form 1040NR. Standard Deduction Exception Summary for Tax Year 2021.
2022 Returns will be able to be e-filed in 2023 – use the standard deductions for 2022 below to begin tax planning for 2022 by using the 2022 Tax Calculator.
If you earn a low to moderate income, the Earned Income Tax Credit can help you by reducing the amount of tax you owe.
When you file your 2021 tax return, you can claim the other half of the total CTC. Learn more about the Advance Child Tax Credit.
Use the Interactive Tax Assistant to see if you’re eligible for education credits or deductions.
An education credit helps you pay education expenses by reducing the amount you owe on your tax return.
The American Opportunity Tax Credit helps with expenses during the first four years of higher education.
As a result, deductions can lower the amount of tax you have to pay.
You may not have to send these documents with your tax returns, but they are good to keep with your other tax records.
Self-employment expenses, including the home office deduction and health insurance premiums deduction.
A tax deduction may kick your taxable income down a few notches on the tax tables, but a tax credit reduces the tax you owe, dollar for dollar.
If the Taxpayer Takes the Standard Deduction The standard deduction for a single filer is $12,550 for the 2021 tax year.
Still, most taxpayers benefit from the standard deduction because the TCJA nearly doubled the standard deduction and eliminated many itemized deductions.
The standard deduction is substantially less work: You simply fill in the amount of your standard deduction on line 12a of Form 1040 or 1040-SR. Most of the 41 states that impose an income tax follow the format of the federal forms as closely as possible.
One additional deduction not included in the standard or itemized tax deductions is the one for capital losses.
You can claim up to $3,000 in capital losses as a tax deduction as of the 2021 tax year.
Tax deductions lower your taxable income – how much of your income you actually pay tax on – while tax credits are a dollar-for-dollar reduction to your tax bill.
Knowing which deductions or credits to claim is challenging, so we created this handy list of 53 tax deductions and tax credits to take this year.1.
If you want to deduct more of your contributions, the only option is to take the official deduction for charitable contributions, which most people don’t qualify for because it’s an itemized deduction.
To claim the deduction, you need to complete two tax forms: Schedule 1 and Form 8917, Tuition and Fees Deduction.
The deduction can cover attorney fees and court costs you paid in connection with helping the IRS. To claim the deduction, you must have received an award from the IRS. Then you can deduct your fees on Schedule 1.29.
The qualified business income deduction, also called the QBI deduction, lets you deduct up to 20% of that income.
Many people no longer qualify to itemize after the 2017 tax reform but if you do, meaning your total itemized deductions are worth more than your standard deduction, itemizing can potentially save you a lot.33.
Tax deductions and tax credits can be huge money-savers – if you know what they are, how they work and how to pursue them.
A tax deduction lowers your taxable income and thus reduces your tax liability.
A few credits are refundable, which means if you owe $250 in taxes but qualify for a $1,000 credit, you’ll get a check for the difference of $750.As the simplified example in the table shows, a tax credit can make a much bigger dent in your tax bill than a tax deduction.
Generally, there are two ways to claim tax deductions: Take the standard deduction or itemize deductions.
Your tax software or tax advisor can run your return both ways to see which method produces a lower tax bill.
20 popular tax deductions and tax credits for individuals.
For the 2021 tax year, you may be able to deduct $300 per person on your tax return without having to itemize.
Taxpayers may be able to take advantage of numerous deductions and credits on their taxes each year that can help them pay a lower amount of taxes-or receive a refund from the IRS. You may be able to write off the following twelve common write-offs, which include both tax credits and deductions.
If you file Form 1040, you can only deduct the amount of your medical and dental expenses that are more than 7.5% of your AGI. The expenses must have been paid in 2021, unless they were charged to a credit card.
The credit is not refundable, which means the credit can be used to pay any taxes you owe, but you can’t receive any of it as a refund.
The American Opportunity Tax Credit gives tax credits for the first four years of higher education.
If the amount of taxes you owe is zero because of this credit, the IRS says 40% of any remaining amount of the credit can be refunded to you.
“For students who are in the first four years of college, this credit could provide greater tax savings than the Lifetime Learning Credit.”
If you’re trying to decide whether to use the standard deduction amount or try to get more by doing itemized deductions, it is important to remember that under former President Donald Trump, a new tax law was introduced called the Tax Cuts and Jobs Act starting in tax year 2018.
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The mortgage interest deduction is a tax deduction for mortgage interest paid on the first $1 million of mortgage debt.
Claiming the mortgage interest deduction requires itemizing on your tax return.
The mortgage interest deduction allows you to reduce your taxable income by the amount of money you’ve paid in mortgage interest during the year.
As noted, in general you can deduct the mortgage interest you paid during the tax year on the first $1 million of your mortgage debt for your primary home or a second home.
If you got an $800,000 mortgage to buy a house in 2017, and you paid $25,000 in interest on that loan during 2021, you probably can deduct all $25,000 of that mortgage interest on your tax return.
Mortgage insurance premiums This includes the amount paid for private mortgage insurance, FHA mortgage insurance premiums, USDA loan guarantee fees and VA funding fees.
You claim the mortgage interest deduction on Schedule A of Form 1040, which means you’ll need to itemize instead of take the standard deduction when you do your taxes.
If your standard deduction saves you more money than your itemized deduction, take the standard deduction.
You itemize the following deductions as a single individual: mortgage interest, student loan interest and charitable donations.
To fill out the information about the interest you paid for the tax year, you’ll need a 1098 Form from your mortgage lender or mortgage servicer, the entity you make your payments to.
It’s the proof you’ll need for your mortgage interest deduction.
You’ll need to itemize your deductions to claim the mortgage interest deduction.
You can find the mortgage interest deduction part on line 8 of the form.
Whatever mortgage interest you’re deducting and whatever form you’re using, it’s important to know what qualifies as interest and what isn’t deductible.
Here’s how to claim the home mortgage interest tax deduction and what to expect in the process.
It may be smart to skip the home mortgage interest deduction and claim the standard deduction if the total of all your itemized deductions doesn’t exceed the amount of the standard deduction you’re entitled to.
Single taxpayers and married taxpayers who file separate returns: $12,550 for tax year 2021, $12,950 for tax year 2022.Married taxpayers who file jointly and for qualifying widow(er)s: $25,100 for tax year 2021, $25,900 for tax year 2022.Heads of household: $18,800 for tax year 2021, $19,400 for 2022.
The home mortgage interest tax deduction comes with several qualifying rules.
The tax deduction is also limited to interest you paid on your main home or a second home.
Who can claim the home mortgage interest deduction? Any taxpayer who is itemizing deductions can take the mortgage interest deduction on up to $750,000 worth of mortgage debt on their primary or second home.
At what income level do you lose the mortgage interest deduction? There is no income limit for the home mortgage interest deduction.
Taxpayers who have a mortgage may be eligible to claim a mortgage interest tax deduction.
For mortgages taken out after October 13, 1987., and before December 16, 2017., mortgage interest is fully deductible up to the first $1,000,000 of mortgage debt.
You can see how much mortgage interest you paid during the year on the mortgage statement your lender is required to send you, or on Form 1098, which you may receive if you paid more than $600 in interest.
Report these payments as if they were interest payments at the time you file your taxes, using Schedule A, Itemized Deductions, for Form 1040.RefinancingIf you refinance your mortgage, you’re essentially taking out a new mortgage to pay off the old mortgage.
Deducting mortgage pointsMortgage points are a cost of both fixed-rate and adjustable-rate mortgages that home buyers pay at closing.
Does my home qualify for the mortgage interest deduction?You can only claim the mortgage interest tax deduction if your mortgage is for a qualified home, as defined by the IRS. As long as they qualify, you can write off mortgage interest on both your main home and a second home, as long as each home secures the mortgage debt.
Claiming a home you can’t live inIf you can’t live in your home for certain reasons, but you keep paying your mortgage on it, then you may be eligible to claim the mortgage interest tax deduction.
Trump’s Tax Cuts and Jobs Act of 2017 lowered the Mortgage interest deduction limit from $1,000,000 to $750,000.
If you have a mortgage or mortgages that exceed 750K you can only use interest paid up to the limit.
There is a second step now because you cannot deduct all of that interest.
You take the total mortgage and divide it by the limit to give you the ratio of interest paid you are allowed to deduct.
That means you can take 60% of the interest you paid.
Is mortgage interest tax deductible? The answer is: it depends.
The following information will cover the basics of mortgage interest tax deductibility, including how to calculate your allowable amount for any given year and how to claim the mortgage interest deduction.
How to calculate the Mortgage Interest tax deduction.
There are a few ways to calculate the mortgage interest tax deduction.
How to qualify for mortgage interest tax deductions.
There are a few things you need to qualify for mortgage interest tax deductions.
To claim the mortgage interest deduction on your taxes, you will need to know how much of your mortgage is for interest.
I need to enter the beginning balance[line 3]on the Home Mortgage Interest Limitation Smart Worksheet.
System will not allow me to enter the amount when I attempt to type it in.
I am taking the Standard deduction so it doesn’t matter.
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Skip to content Ready to hire? We’ve got you covered.
See Products See the person behind the resume See right away whether candidates are the right fit.
Post jobs or search Monster’s resume database to find your right-fit candidates.
Our hiring products and solutions include resume search, employer branding, video recruitment technology and more.
Whether you’re looking to post a job for your small business or have more complex hiring needs, we’ve got recruitment solutions for every size business.
Together, we can make a positive impact on the recruiting world.
If this sounds like the right fit for you, join our team.
Search Our Opportunities You searched and didn’t find the right fit?
Monster.com is a global employment website owned and operated by Monster Worldwide, Inc. It was created in 1999 through the merger of The Monster Board and Online Career Center.
In November 2000, seeking to attract additional job market levels, Monster bought JOBTRAK because it was used at thousands of heterogeneous college and university campuses.
Monster’s first-ever Super Bowl ad, “When I Grow Up”, asking job seekers, “What did you want to be?” It is the only commercial named to Time magazine’s list of the “Best of Television 1999.” As the official online career management services sponsor of the 2002 Olympic Winter Games and 2002 U.S. Olympic Team, Monster had a strong presence at the 2002 Olympic Winter Games in Salt Lake City.
In April 2007, Monster named Sal Iannuzzi as chairman and CEO. In May 2007, Monster launched its first Mobile services offering Mobile job search and career advice.
In July 2008, Monster acquired Trovix, a semantic job search engine, for US$72.
Monster has indicated that it plans to replace their job search and candidate matching with Trovix’s technology.
In 2006, Monster Worldwide, Inc. received a notice from Nasdaq about a possible delisting of its shares due to the company’s failure to file its third-quarter earnings report.
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Explore trending job searches in the USA. making your job search easy.
See how your salary compares to others with the same job title in your area.
Not only can you compare your salary, but you can also see what skills you are missing to earn more money.
Easily apply to multiple jobs with one click! Quick Apply shows you recommended jobs based off your most recent search and allows you to apply to 25+ jobs in a matter of seconds!
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CareerBuilder is an employment website founded in 1995 and with offices in the United States, Canada, Europe, and Asia.
CareerBuilder operates sites in 23 countries outside the U.S., and has a presence in over 60 markets.
In 2014, CareerBuilder acquired recruiting technology company Broadbean in the U.K. CareerBuilder also owns and operates several websites under the CareerBuilder name in various countries including CareerBuilder.
CareerBuilder is majority-owned by Apollo Global Management.
CareerBuilder was founded by Robert J. McGovern in 1995 as NetStart Inc. selling software to companies for listing job openings on their Web sites and the ability to manage the incoming e-mails those listings created.
In July 2000, the company was purchased in a joint venture by Knight Ridder and Tribune Company for $8 a share CareerBuilder acquired competitors CareerPath.com and later Headhunter.net which had already acquired CareerMosaic.
Gannett purchased a one-third interest in the company for $98.3 million in 2002, adding the CareerBuilder brand to its 90 newspapers nationwide.