Helping People Every Day

Kin Canada, who recently celebrated its 100th anniversary, is a volunteer service organization.

Saskatchewan is in District 3 of that organization and are the ones who started the Kinsmen Foundation and TeleMiracle.

Most of the Board members, TeleMiracle Committee members, and workers at TeleMiracle are Kin volunteers.

Enter here to learn more about Kinsmen, Kinettes, and Kin clubs in Saskatchewan and to get active in your community.

Telemiracle

Telemiracle is an annual telethon organized by the Kinsmen and Kinettes in Saskatchewan, Canada for the benefit of the Kinsmen Foundation.

Telemiracle 31, the first telethon to exceed the $5,000,000 pledge total, broke all previous records, with an official final total of $5,604,682.

Telemiracle’s website doesn’t display the annual totals and they don’t set annual goals, but their FAQ notes that the telethon raised over $111 million through Telemiracle 39 in 2015, an amount that includes the $5,604,682 raised by Telemiracle 31 in 2007 and $5,906,229 at Telemiracle 36 in 2012.

At the 37th Telemiracle in 2013, the Kinsmen and Kinettes were proud to announce that the lifetime total for Telemiracle had surpassed 100 million dollars.

George Fox – Canadian country music singer-songwriter and musician.

Charlie Major – Canadian country music singer-songwriter and musician.

Matt Rapley – Canadian R&B and gospel singer-songwriter and musician and 2008 Canadian Idol finalist.

TeleMiracle Is Happening This Weekend And Will Be Filled With Northeast Talent

For the second year in a row, the group will be performing virtually due to the number of dancers.

The dancers who have typically performed an acro routine will be performing a hip hop routine.

Solo singer Hana Grace from Humboldt will also be performing her rendition of My Church by Maren Morris.

Grace is an avid performer and although she has done many performances, TeleMiracle feels special to her.

In addition to performing, Grace held a fundraiser at a Humboldt Broncos hockey game where family friends shared their experiences with TeleMiracle.

“My friend’s dad donated because he said that they helped his brother when his brother was sick. One of our family friends’ dad used TeleMiracle when he was sick. So it’s a very special cause to be a part of.”

The show begins at 6:15 p.m. Saturday, March 5, 2022 with the Countdown to TeleMiracle.

Telemiracle

You will get a link that you can share via email or on your social media.

When promoting on social media, please tag TeleMiracle, so we can share it on our social media.

Remember to check out the “Ways to Help” page on our website for fundraising ideas.

We also have resources, available free of charge, that our staff can send you.

If you need assistance with customizing your fundraising page or have questions about fundraising for TeleMiracle, please contact our TeleMiracle Administrative Assistant, Brigitte, via our Contact Us page.

We’re here to help you put the “Fun” in fundraising and make things as easy and as safe as possible for you and your contributors.

Thank you for raising funds for Saskatchewan’s charity and making it possible for us to continue “Helping People Every Day”!.

00 in donations! #TM 46 #RootedinSKIs there a dry eye in the province? A huge thank you to Eva Morgan for her amazingly generous bequest in the amount of $1,779,771.

00 through a facebook singing challenge! That will be added to the #SaskTalent amount to be doubled by our friends at #TM 46 #SaskTalentThank you to Dr. Murray Fraser for his generous bequest in the amount of $19,500! #TM 46 #PlannedGivingThank you to Candace Warner for her donation of $1,900.

00 raised through a swear jar at her salon #TM 46 #RootedinSKNow on the air, Hanna Grace from Humboldt singing “My Church” She brought in donations totaling $5,000.

50! #TM 46 #SaskTalentOn the show now – Jessie Rebrinsky performing his original rap “Don’t Care” #TM 46 #SaskTalentWe thank Saskatoon Co-op for their donation of $16,000! They couldn’t be with us today, but they made sure that the donation made it here.

TM 46 #CorporatePartnersWe had Jordan Engstrom from Assiniboia on stage singing “Daddy’s Girl” She brought with her a fundraising total of $13,920! #TM 46 #SaskTalentThank you to Shirley Prior for thinking of us when she planned her estate.

33! #TM 46 #PlannedGivingThank you to the family of Brian Watson for presenting his bequest of $150,000! #TM 46 #PlannedGivingMelody Fries just presented a donation in the amount of $105,698 on behalf her father, in memory of her mother Joanne Warman.

TM 46 #RootedinSKJanelle from the Prince Albert Kinettes was on stage providing the donation from their club in the amount of $11,046.

Electronic Design Automation

Electronic design automation, also referred to as electronic computer-aided design, is a category of software tools for designing electronic systems such as integrated circuits and printed circuit boards.

The tools work together in a design flow that chip designers use to design and analyze entire semiconductor chips.

The immediate result was a considerable increase in the complexity of the chips that could be designed, with improved access to design verification tools that used logic simulation.

Although the languages and tools have evolved, this general approach of specifying the desired behavior in a textual programming language and letting the tools derive the detailed physical design remains the basis of digital IC design today.

The first trade show for EDA was held at the Design Automation Conference in 1984 and in 1986, Verilog, another popular high-level design language, was first introduced as a hardware description language by Gateway Design Automation.

EDA tools are also used for programming design functionality into FPGAs or field-programmable gate arrays, customisable integrated circuit designs.

Most of the market leaders are amalgamations of many smaller companies and this trend is helped by the tendency of software companies to design tools as accessories that fit naturally into a larger vendor’s suite of programs on digital circuitry; many new tools incorporate analog design and mixed systems.

What Is Electronic Design Automation?

The birth of commercial EDA tools essentially happened in three phases.

The first phase began in the 1960s and saw commercial availability of computer-assisted interactive graphics design systems.

With the emergence of the ASIC industry, the custom chips that were previously reserved for the very large system OEMs were now within reach of many more design teams.

During this phase, the primary focus was on software and some special-purpose hardware to capture the description of a design and simulate it.

The three primary companies leading this phase were Daisy Systems, Mentor Graphics, and Valid Logic.

The three primary companies leading this phase were Synopsys, Cadence, and Mentor.

With the dramatic expansion of semiconductor technology, there is a movement toward a need for a larger platform of tools and technologies which may signal the next phase of the industry’s development.

Electronic Design Automation

Given an electronic system modeled at the electronic system level, EDA automates the design and test processes of verifying the correctness of the ESL design against the specifications of the electronic system, taking the ESL design through various synthesis and verification steps, and finally testing the manufactured electronic system to ensure that it meets the specifications and quality requirements of the electronic system.

On one hand, EDA comprises a set of hardware and software co-design, synthesis, verification, and test tools that check the ESL design, translate the corrected ESL design to a register-transfer level, and then takes the RTL design through the synthesis and verification stages at the gate level and switch level to eventually produce a physical design described in graphics data system II format that is ready to signoff for fabrication and manufacturing test.

On the other hand, EDA can be viewed as a collection of design automation and test automation tools that automate the design and test tasks, respectively.

The design automation tools deal with the correctness aspects of the electronic system across all levels, be it ESL, RTL, gate level, switch level, or physical level.

3.1.2.4 Automatic Test Pattern GenerationATPG is an electronic design automation.

1.3.4 Electronic design automation softwareThe VLSI industry has long become entirely dependent on electronic design automation.

As essential elements of design reuse, IP cores are part of the growing electronic design automation.

What Is Eda Electronic Design Automation? – Electronic Ink

A common term for the electronic design automation industry, or EDA, is software, hardware, and services that help define, prepare, design, implement, verify, and produce Semiconductor Devices.

CAD/Allegro can be used or CAD/Allegro can be combined/woven.

[Pdf] Download Electronic Design Automation The Ultimate Step By Step

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Pune, Maharashtra, January 16, 2020 Prudour Pvt. Ltd. The Global Electronic Design Automation Tools Market Research Report is expected to display a high CAGR according to the recent report added by MarketResearch.

A complete outlook of Electronic Design Automation Tools market revenue share, product development and innovation, advanced technologies, and new coming market segments are studied.

The research report is a thorough analysis of the distinct factors affecting the trajectory of the Electronic Design Automation Tools market globally.

ADVERTISEMENT.The report describes the drivers making the future of the Electronic Design Automation Tools market.

The Electronic Design Automation Tools market research report at first initiate with the definitions, classifications, applications and market outlook, manufacturing processes, product specifications, cost structures, raw materials and so on.

Our Electronic Design Automation Tools market analysts use the recent primary and secondary research tools and techniques to compose complete and in-depth market research reports.

Technological advancements, Electronic Design Automation Tools market regulatory structure, concerned sectors, and tactical path are also included in the report.

Computational Software For Intelligent System Design™

Accelerate design of the most complex electronics and intelligent systems Learn More.

When great technology isn’t enough, a global support team is available to overcome challenges and issues.

Cadence Design Systems

Cadence Design Systems, Inc., headquartered in San Jose, California, is an American multinational computational software company, founded in 1988 by the merger of SDA Systems and ECAD, Inc. The company produces software, hardware and silicon structures for designing integrated circuits, systems on chips and printed circuit boards.

Cadence Design Systems began as an electronic design automation company, formed by the 1988 merger of Solomon Design Automation, co-founded in 1983 by Richard Newton, Alberto Sangiovanni-Vincentelli and James Solomon, and ECAD, a public company co-founded by Ping Chao, Glen Antle and Paul Huang in 1982.

In 2004, Mike Fister became Cadence’s new CEO. In 2008, Cadence’s board appointed Lip-Bu Tan as acting CEO, after the resignation of Mike Fister; Tan had served on the Cadence board of directors since 2004.

In July 2021, Cadence announced its machine learning-based Cerebrus chip explorer product to automatically optimize the Cadence digital design flow for specified power, performance, and area goals across multiple blocks.

Edit] Avanti Corporation From 1995 till 2002, Cadence was involved in a 6-year-long legal dispute with Avanti Corporation, in which Cadence claimed Avanti stole Cadence code, and Avanti denied it.

Aptix Corporation Quickturn Design Systems, a company acquired by Cadence, was involved in a series of legal events with Aptix Corporation.

Berkeley Design Automation In 2013, Cadence sued Berkeley Design Automation for circumvention of a license scheme to link its Analog FastSpice simulator to Cadence’s Analog Design Environment.

Reviewing Cadence Design Systems & MicroStrategy

Cadence Design Systems and MicroStrategy are both computer and technology companies, but which is the better investment? We will contrast the two businesses based on the strength of their institutional ownership, profitability, earnings, valuation, risk, dividends and analyst recommendations.

MicroStrategy is trading at a lower price-to-earnings ratio than Cadence Design Systems, indicating that it is currently the more affordable of the two stocks.

Cadence Design Systems presently has a consensus target price of $181.50, indicating a potential upside of 17.33%. MicroStrategy has a consensus target price of $630.00, indicating a potential upside of 53.52%. Given MicroStrategy’s higher possible upside, analysts plainly believe MicroStrategy is more favorable than Cadence Design Systems.

83.9% of Cadence Design Systems shares are owned by institutional investors.

Cadence Design Systems beats MicroStrategy on 11 of the 14 factors compared between the two stocks.

Cadence Design Systems, Inc. engages in the design and development of integrated circuits and electronic devices.

Its products include electronic design automation, software, emulation hardware, and intellectual property, commonly referred to as verification IP, and design IP. The company was founded by Alberto Sangiovanni-Vincentelli, Gudmundur A. Hjartarson, K. Bobby Chao, and K. Charles Janac in June 1988 and is headquartered in San Jose, CA. About MicroStrategy.

Taiwan Semiconductor Manufacturing Company Limited

Cadence Design Services, the services arm of Cadence Design Systems, Inc. offers access to world-class IC design expertise to help meet the challenges of today’s electronics marketplace.

Through a close working relationship, Cadence Engineering Services works to ensure that customers’ designs get to market within the window of opportunity.

Whether the challenge is achieving fast and accurate implementation of a single ASIC design, or the complex task of building multi-million gate system-on-chip designs with custom, complex analog circuits, Cadence Engineering Services can deliver.

Only Cadence Design Services can provide world-class design skills, dedicated professional project management, and the quality and integrity you expect from the world’s largest design service provider.

Engineering Capabilities Cadence Design Services offers the services required to bring advanced integrated circuit designs to market on-time.

These services include the design tools, skills and experience required to realize today’s complex designs with 1st Silicon Success™, as well as an experienced network of supply chain providers for the latest libraries/IP, foundry, test and packaging/assembly services.

Design Successes More than 100 tape-outs in the past 3 years.

Cadence Design Systems Inc Quote

Narrow-moat Cadence Design Systems reported strong fourth-quarter results, with results exceeding both management’s guidance and our at-consensus expectations on the top and bottom line.

As secular trends toward artificial intelligence and machine learning, hyperscale computing, and 5G connectivity, drive digital transformation throughout Cadence’s end-markets, the company continues to face strengthening demand environments, as evidenced by management’s strong guide for the first quarter and full-year 2022.

Fourth-quarter revenue grew 2% year over year to $773 million.

The verification business grew 20% year over year, led by growth in hardware sales, wherein Cadence has been able to leverage its common front-end compiler to advance joint sales of Palladium Z2 and Protium X2 platforms.

The systems business, which is leading Cadence’s expansion beyond its core EDA space, grew 18% year over year as the Integrity 3D-IC platform benefits from intensifying demand for multi-die integration packaging solutions.

The business has also benefited from the successful integration of last year’s NUMECA and Pointwise acquisitions, which allowed Cadence to expand into the computational fluid dynamics space to enable more sophisticated system analysis.

We are encouraged by the increasing amount of integration between Cadence’s various portfolio segments, especially with Cerebrus’ AI solutions, and believe that as the company is able to deliver an increasingly complete solution, greater value will be delivered to customers, and growth for the company will follow suit.

Cadence Design Systems Q4 Profit Increases, Beats Estimates

Cadence Design Systems announced earnings for its fourth quarter that increased from the same period last year and beat the Street estimates.

The company’s earnings totaled $176.58 million, or $0.63 per share.

This compares with $173.74 million, or $0.62 per share, in last year’s fourth quarter.

Excluding items, Cadence Design Systems reported adjusted earnings of $227.37 million or $0.82 per share for the period.

Analysts’ estimates typically exclude special items.

The company’s revenue for the quarter rose 1.7% to $773.04 million from $759.91 million last year.

EPS: $0.63 vs. $0.62 last year.

Cadence is a pivotal leader in electronic design, building upon more than 30 years of computational software expertise.

Is spotlighting the recipients of Cadence’s Black Students in Technology Scholarship program, sharing their inspirational stories to highlight the importance of supporting underrepresented groups in technology.

Ly/33PWgw4Great news! Cadence received a TSMC Open Innovation Platform® Ecosystem Forum Customers’ Choice award for a paper that highlighted the benefits of the Cadence Integrity™ 3D-IC platform.

Take a closer look at the 3D-IC challenges and requirements and learn how Cadence is providing solutions.

Ly/3rNO7S0As we continue to celebrate #BlackHistoryMonth, we want you to meet a few recipients of Cadence’s Black Students in Technology Scholarship program.

Congratulations to the winners of Cadence’s Black Students in Technology Scholarship program.

Cadence’s Terence Randall kicked it off, & KT Moore, VP of corporate marketing, moderated it.

Target-Date Fund Definition

Target date funds use a traditional portfolio management methodology to target asset allocation over the term of the fund to meet the investment return objective.

The fund managers also use the target date to determine the degree of risk the fund is willing to undertake.

A target-date fund’s portfolio mix of assets and degree of risk become more conservative as it approaches its objective target date.

Known as will also manage funds to a specified asset allocation past the target date.

Known as “Through” funds, will also manage funds to a specified asset allocation past the target date.

They are technically a fund of funds-a fund that invests in other mutual funds or exchange-traded funds-which means you have to pay the expense ratios of those underlying assets, as well as the fees of the target-date fund.

Below we compare the characteristics of the Vanguard 2065 fund to the characteristics of the Vanguard 2025 fund.

2022’S Best Target Date Funds For Retirement – Forbes Advisor

We considered several factors to identify the best target date funds, including fees, performance, asset allocation and glide path.

There are target date funds that cost more than 100 basis points.

While target date funds have been around since the 1990s, performance data is limited.

The asset allocation of a target date retirement fund changes over time.

While some target date funds maintain a 50% equity allocation at retirement, they all fall significantly below this level as the retiree ages.

In all target date funds we examined, the equity allocations fall far below the 50% mark.

Those using target date funds should carefully consider whether these funds best meet their needs in retirement.

Target Date Funds

These funds of funds offer exposure to all of the main building blocks of a fully diversified portfolio.

The managers automatically shift the fund’s allocation gradually over time to become gradually less risky as retirement approaches.

A retirement-savings option that can be smart at the outset of your career probably needs to be reexamined down the road. Target-date funds, as they’re called, offer a way to put your savings on autopilot: Holdings gradually shift away from riskier assets like stocks and toward more conservative investments as you approach retirement.

Say you reach a point where your target date fund is 70% in stocks and 30% in bonds.

Generally, these funds reach their target year with money still invested in stocks and continue doing so, although some may reduce their equity holdings.

The average 2020 target date fund now has about 46% in bonds, 42% in stocks and the remainder in cash and other investments, according to Morningstar Direct.

The average stock-bond mix for 2025 target date funds is 47%-39%. While some advisors say there’s nothing wrong with continuing to rely on target date funds in retirement, others say there are reasons to reconsider.

“If you’re taking distributions from a target date fund, you’re taking from both bonds and stocks indiscriminately,” Mellone said.

The bottom line is to be sure to reevaluate whether your target date fund still makes sense as your financial life grows more complex or you’re nearing retirement.

4 Best Target Date Retirement Funds In 2022

Target date retirement funds make investing in a 401(k) or IRA easy.

In this article we’ll look at several of the best target date retirement funds available today.

I’ve researched dozens of funds to identify the best options, as well as an example of a target date fund you should avoid.

If target-date retirement funds are starting to seem like attractive options, it might be worth considering holding a target date fund in a 401k if one is available to you.

Target date retirement funds feature a date in their name.

Target date retirement fund offerings are typically spaced out in 5-year increments, meaning there are 2045 and 2055 versions of the funds we’ve explored.

Investing in a single mutual fund seems counter to that idea, but not in the case of target date retirement funds.

Target Date Mutual Funds

Designed for investors who anticipate retiring in or within a few years of the fund’s target retirement year at or around age 65.

Investing in a combination of Fidelity domestic equity funds, international equity funds, bond funds, and short-term funds, each of which seeks to provide investment results that correspond to the total return of a specific index.

Allocating assets among underlying Fidelity funds according to a “Neutral” asset allocation strategy that adjusts over time until it reaches an allocation similar to that of the Freedom Index Income Fund approximately 10 to 19 years after the target year.

The Adviser may use an active asset allocation strategy to increase or decrease neutral asset class exposures reflected above by up to 10 percentage points for Equity Funds, Bond Funds and Short-Term Funds to reflect the Adviser’s market outlook, which is primarily focused on the intermediate term.

The funds are subject to the volatility of the financial markets, including that of equity and fixed income investments in the U.S. and abroad, and may be subject to risks associated with investing in high-yield, small-cap, commodity-linked and foreign securities.

No target date fund is considered a complete retirement program and there is no guarantee any single fund will provide sufficient retirement income at or through retirement.

Principal invested is not guaranteed at any time, including at or after the funds’ target dates.

Target Date Fund

A target date fund – also known as a lifecycle, dynamic-risk or age-based fund – is a collective investment scheme, often a mutual fund or a collective trust fund, designed to provide a simple investment solution through a portfolio whose asset allocation mix becomes more conservative as the target date approaches.

The speed with which a target date fund de-risks its asset allocation is known in the industry as the “Glide-path”, using the analogy of an airplane coming in for a landing.

Target Date Funds are commonly used as default funds as they make it easier for savers to select a savings strategy.

In the US, the use of Target Date Funds accelerated from 2006 onwards with the introduction of automatic-enrollment pensions legislation, where the convenience of a single ‘fund for life’ made them the most popular type of default strategy.

Northern Trust, for example, uses Collective Trust Funds, which typically do not figure in Morningstar or Bloomberg estimates of AUM. In the UK, the use of Target Date Funds is gaining traction, with the first launch in 2003, and current AUM estimated to be approximately £4.0bn. This is expected to increase with the advent of automatic enrolment pensions legislation.

Multi-employer pensions schemes are amongst the early adopters of Target Date Funds in the UK market.

In response to this, the SEC and DoL hosted a joint hearing on Examining Target Date Funds in June 2009, which found that while target-date funds were generally a welcome innovation, disclosure had to be improved to ensure investors were fully aware of a target-date fund glidepath, which may differ from manager to manager.

ScienceDirect Topics

Crude oil is usually stored in storage tanks before processing and due to structural complexity and low solubility, the impurities present in the crude oil are deposited at the bottom of the tank.

These applications include oil field applications, environmental and equipment cleanup and maintenance, viscosity reduction and oil transportation, emulsion breakage and dewatering of crude oil prior to refining, and more recently, water-/oil-based fuels.

Although George Mitchell’s ideas about how to produce hydrocarbons directly from low permeability source rocks were certainly viewed with interest by the big oil companies, in general the majors have shown only lukewarm interest in leading the charge to develop shale gas or tight oil.

In Mexico, the national oil company Pemex showed little interest in tight oil until Eagle Ford Shale development in neighboring Texas reached a level of intensity that was hard to ignore.

The following discussion will show which kinds of sulfur compounds can be expected to occur in crude oil and therefore may be targets of an analysis of oil spill residues.

These authors reported the occurrence of isoprenoid thiophenes, thiolanes, benzothiophenes, bithiophenes,alkylthiophenes, and thienylthiolanes in this oil and in other oils and sediments.

Recent work on the separation of polycyclic aromatic sulfur heterocycles in crude oils according to ring number using silver mercaptopropano silica gel stationary phase showed that benzothiophenes as well as dibenzothiophenes with up to five naphtheno rings could be identified in Wilmington crude oil of SRM 1582.Read full chapter.

What Is The Petroleum Industry?

The petroleum industry is a collective term used to identify many different companies that engage in activities directly related to the production of petroleum products.

The various companies and functions involved in the petroleum industry are normally classed in one of three different categories, with acknowledgments that some companies engage in a series of activities that cross over these class boundaries.

Midstream functions often focus on the processes used to transport petroleum and petroleum-based products to manufacturers who use the products in the creation of different goods or services.

Essentially, any company involved in the transport of petroleum in any form would be considered a midstream company.

Downstream functions within the petroleum industry typically focus on the actual delivery of products to end-users.

The petroleum industry impacts just about every facet of modern life.

From this perspective, the petroleum industry affects the lives of consumers, even if they do not actively purchase gasoline or oil for use in private vehicles.

History Of The Petroleum Industry

While the local use of oil goes back many centuries, the petroleum industry is of recent origin.

In the early 21st century environmental issues regarding global warming from oil and gas makes the industry politically controversial.

The modern history of petroleum began in the 19th century with the refining of paraffin from crude oil.

The Scottish chemist James Young in 1847 noticed a natural petroleum seepage in the Riddings colliery at Alfreton, Derbyshire from which he distilled a light thin oil suitable for use as lamp oil, at the same time obtaining a thicker oil suitable for lubricating machinery.

The modern US petroleum industry is considered to have begun with Edwin Drake’s drilling of a 69-foot oil well in 1859, on Oil Creek near Titusville, Pennsylvania, for the Seneca Oil Company, by the end of the year output was at the rate of 15 barrels per day, Persia, Peru, Venezuela, and Mexico, and were being developed at an industrial level.

Austria-Hungary lose its primate on oil production which had been at the root of the 1910 Petroleum War.

Baku, SOCAR Publishing House, 350p. Mirbabayev, Miryusif F. Brief history of the first drilled oil well; and people involved – “Oil-Industry History”, v.18, #1, pages 25-34.

Oil Industry

Subscribe for fascinating stories connecting the past to the present.

Industrial RevolutionThe Industrial Revolution marked a period of development in the latter half of the 18th century that transformed largely rural, agrarian societies in Europe and America into industrialized, urban ones.

Exxon Valdez Oil SpillThe Exxon Valdez oil spill was a manmade disaster that occurred when Exxon Valdez, an oil tanker owned by the Exxon Shipping Company, spilled 11 million gallons of crude oil into Alaska’s Prince William Sound on March 24, 1989.

John D. RockefellerJohn D. Rockefeller, founder of the Standard Oil Company, became one of the world’s wealthiest men and a major philanthropist.

Military-Industrial ComplexThe military-industrial complex is a nation’s military establishment, as well as the industries involved in the production of armaments and other military materials.

How FDR Charmed a Saudi King and Won U.S. Access to OilA secret war-time meeting.

SpindletopOn January 10, 1901, an enormous geyser of oil exploded from a drilling site at Spindletop Hill, a mound created by an underground salt deposit located near Beaumont in Jefferson County, southeastern Texas.

National Geographic Society

More than 500 oil deposits have been discovered in the massive Niger Delta basin, and they comprise one of the most productive oil fields in Africa.

Light oils can contain up to 97% hydrocarbons, while heavier oils and bitumens might contain only 50% hydrocarbons and larger quantities of other elements.

There are three primary sources of crude oil that set reference points for ranking and pricing other oil supplies: Brent Crude, West Texas Intermediate, and Dubai and Oman.

On land, oil can be drilled with an apparatus called an oil rig or drilling rig.

Vacuuming the extra oil out was a method used in the 1800s and early 20th century, but it captured only thinner oil components, and left behind great stores of heavy oil.

In the 1870s, oil producers in Pennsylvania noticed that abandoned oil wells were accumulating rainwater and groundwater.

Oil producers soon began intentionally flooding wells as a way to extract more oil.

Challenges And Trends For The Oil And Gas Industry

There are three primary challenges facing the oil and gas industry today.

Investors are demanding better returns on their investment in oil and gas companies.

The second challenge is for the oil and gas industry to collectively invest approximately $500 billion each year just to keep up with demand.

Since 2015 the oil and gas industry has underinvested, especially in the upstream portion of the business.

The third challenge is for oil and gas companies to demonstrate differential and durable cash flows.

Lastly, besides all the hard skills that are needed to meet the challenges outlined here, oil and gas companies will need to continually develop the softer skills of communication, collaboration and innovation.

The oil and gas industry can meet these challenges and must to do that in partnership with customers, governments and universities.

The survey captured insights from respondents in five specific industry groups: chemicals and specialty materials, engineering and construction, industrial products, oil and gas, and power and utilities.

What do range-bound oil prices mean for the industry’s supply-demand balance? Oil and gas is a depleting resource with an average annual production decline rate of 6-7%.9 Add to that five years of low capital spending and deep cuts in 2020 and we have an industry at risk of underinvestment.

15 2021 oil and gas industry outlook 3 Bail out the shale 2 Changed market dynamics have altered the financial outlook and portfolio options for US shale operators Since the start of 2020, US shale companies have written down about $145 billion worth of assets, and at least 43 operators have filed for bankruptcy protection.

In our postelection poll, 59% of O&G executive respondents highlight the productivity and engagement of employees and knowledge exchange among employees as 2021 oil and gas industry outlook 5 Is natural gas out of gas? 4 Natural gas is wedged between decarbonization efforts and renewables focus In 2020, US natural gas prices are expected to average at a 21-year low of about $2.14/MMBtu, with international gas prices converging within the $1-2/ MMBtu range.

Fifty-eight percent of respondents believe that gas will have an essential role in building a clean energy future, while 42% expect a reduced and varied role due to the emergence of alternatives and renewables and the regionalization of industries.

26 The US Energy Information Administration expects US gas prices to average $3.14/MMBtu in 2021.27 2021 oil and gas industry outlook 6 Turbulence down the value chain 5 Overbuilding looms as a growing concern for midstream and downstream The oil price crash and energy transition aren’t the problems of upstream and OFS companies alone.

2021 oil and gas industry outlook 7 2021 oil and gas industry outlook The future is now, and signs are hidden in plain sight The O&G industry was facing market headwinds even before the pandemic started.

Understanding Over-The-Counter Medicines

Over-the-counter medicine is also known as OTC or nonprescription medicine.

All these terms refer to medicine that you can buy without a prescription.

They are safe and effective when you follow the directions on the label and as directed by your health care professional.

The information in this section will help you, working with your health care professionals, to choose and use over-the-counter medicine wisely.

Over-The-Counter Medicines DrugFacts

Some OTC medicines have active ingredients with the potential for misuse at higher-than-recommended dosages.

There are two OTC medicines that are most commonly misused.

These medicines are often misused in combination with other drugs, such as alcohol and marijuana.

These effects may increase if taken with other medicines that interact with loperamide.

Yes, a person can overdose on cold medicines containing DXM or loperamide.

Can misuse of these OTC medicines lead to addiction?

A person can overdose on cold medicines containing DXM or loperamide.

Over-The-Counter Medicines: MedlinePlus

Article: Assessment of without prescription antibiotic dispensing at community pharmacies in Hazara…. Article: Deaths and hospitalizations resulting from poisoning by prescription and over-the-counter drugs…. Article: The impact of proposed regulatory changes and rescheduling on low-dose codeine…. Over-the-Counter Medicines – see more articles.

How and when to get rid of unused medicines Also in Spanish.

Using over-the-counter medicines safely Also in Spanish.

Over-The-Counter Medications

OTC drugs are medications that are safe and effective for use by the general public without seeking treatment by a health professional.

Popular OTC Related SearchesMore information about OTC products What is an Rx-to-OTC switch?

Many OTC drugs have undergone a prescription to over-the-counter switch – also known as “Rx-to-OTC switch” – meaning they were previously available only with a prescription but now can be bought as a nonprescription product.

These products, while considered OTC, are kept behind the pharmacy counter and are dispensed by a pharmacist.

The review of OTC medications is primarily handled by the U.S. Food and Drug Administration’s Division of Drug Information, the Office of Drug Evaluation, and the Nonprescription Drug Advisory Committee.

An OTC drug monograph is established for each class of product.

Consumers should read the “Drug Facts” label that is found on all OTC products.

Over-The-Counter Drug

In November 2016, India’s Drug Consultative Committee announced it was embarking on establishing a definition of drugs which could be dispensed without a prescription.

The drug can be on the shelves like any other product.

In the United States, the manufacture and sale of OTC substances are regulated by the Food and Drug Administration.

The FDA requires that all “New drugs” obtain a New Drug Application before entering interstate commerce, but the act exempts any drugs generally recognized as safe and effective.

There is also the possibility that certain OTC drug products are marketed under the grandfathering provisions of the Federal Food, Drug, and Cosmetic Act, but the FDA has never formally acknowledged that any legitimate grandfathered OTC drug exists.

The Federal Trade Commission regulates advertising of OTC products, in contrast to prescription drug advertising, which is regulated by the FDA. The FDA requires OTC products to be labeled with an approved “Drug Facts” label to educate consumers about their medications.

OTC drugs are usually also required to have little or no abuse potential, although in some areas drugs such as codeine are available OTC. Over time, often 3-6 years, drugs that prove themselves safe and appropriate as prescription medicines may be switched from prescription to OTC. An example of this is diphenhydramine, an anti-histamine which once required a prescription but now is available OTC nearly everywhere.

30 Top-Selling Over-The-Counter Drugs In The US

Over-the-counter drugs are a huge business for the pharmaceutical industry in the United States, accounting for over $35 billion in gross revenues in 2018.

Despite having lower per-unit costs, OTC drugs often surpass prescription drugs in terms of annual sales.

OTC drugs include those you can buy off the drugstore, grocery store, or convenience store shelf as well as those dispensed by a healthcare provider without a prescription.

OTC drugs do not include dietary supplements, such as vitamins, herbal remedies, and “Nutriceuticals,” all of which are loosely regulated by the U.S. Food and Drug Administration.

The definition of an OTC drug is often ill-defined and contentious, with advocates alternately calling for some drugs to be sold without a prescription and others to be pulled off drugstore shelves as unsafe for OTC use.

Restricted OTC products are commonly referred to as behind-the-counter drugs, a classification first approved by the U.S. Congress in 1984 when regulators decided to allow the sale of ibuprofen over the counter.

It is important to read the product label before using an OTC product and to advise your healthcare provider about any and all drugs you are taking, including dietary supplements and recreational drugs.

5 Over-The-Counter Medicines That Could Kill You

The danger of overdosing on common medicines is all too real – and still comes with the same deadly side effects as illegal drugs do.

Take only the recommended dose and don’t take other pills that contain APAP. Initial signs of an APAP overdose include loss of appetite, nausea, vomiting, stomach pain, sweating and confusion or weakness.

What is tricky is how many other drugs contain APAP. If you take Tylenol for your cold, and then Midol for your period cramps, you’ll pass the recommended dosage.

NSAID drugs hospitalize over 100,000 people and kill 16,500 in the US each year due to overdoses, wrongful combinations, or incorrect usage.

Cough syrupAlong with other cold medicines that contain Dextromethorphan, cough syrup doesn’t have any serious side effects when taken as directed, but extreme doses of this medication can cause a sort of hallucinogenic state; making it a popular and cheap way for teens to get high.

Teens are extracting the DXM from the syrups to take as a powder or pills, which is making overdosing on cold medicine much more common.

Always follow the directions before taking any sort of medication, and be sure to keep an eye on your children to make sure they aren’t abusing these potentially dangerous drugs.

Types, Designs, Applications And Selection Guide

There are two main types of regenerative heat exchangers-static heat exchangers and dynamic heat exchangers.

There are two types of heat transfer mechanisms employed by heat exchangers-single-phase or two-phase heat transfer.

Some of the types of shell and tube heat exchangers available include helical coil heat exchangers and double pipe heat exchangers, and some of the applications include preheating, oil cooling, and steam generation.

Another method is by choosing a design suited for the fluid properties: plate heat exchangers are capable of handling low to medium pressure fluids but at higher flow rates than other types of heat exchangers, and two-phase heat exchangers are necessary when handling fluids which require a phase change throughout the heat transfer process.

The desired thermal output and rate of heat transfer help determine the optimal type and design of heat exchanger as some heat exchanger designs offer greater heater transfer rates and can handle higher temperatures than other designs, albeit at a higher cost.

Table 1, below, indicates some of the common industries and applications of the types of heat exchangers previously mentioned.

This guide provides a basic understanding of heat exchangers, the designs and types available, their applications, and considerations for use.

Heat Exchanger

Since double pipe heat exchangers are simple, they are used to teach heat exchanger design basics to students as the fundamental rules for all heat exchangers are the same.

Plate Heat Exchanger A plate heat exchanger contains an amount of thin shaped heat transfer plates bundled together.

A third type of heat exchanger is a plate and shell heat exchanger, which combines plate heat exchanger with shell and tube heat exchanger technologies.

A fourth type of heat exchanger uses an intermediate fluid or solid store to hold heat, which is then moved to the other side of the heat exchanger to be released.

Micro heat exchangers, Micro-scale heat exchangers, or microstructured heat exchangers are heat exchangers in which fluid flows in lateral confinements with typical dimensions below 1 mm.

By periodically calculating the overall heat transfer coefficient from exchanger flow rates and temperatures, the owner of the heat exchanger can estimate when cleaning the heat exchanger is economically attractive.

Common types of heat exchangers used in this application are the double pipe heat exchanger as well as the plate and frame heat exchanger.

What Is Heat Exchanger

A plate heat exchanger is a type of heat exchanger that uses metal plates to transfer heat between two fluids.

In cases of combined heat transfer for a heat exchanger, there are two values for h. There is the convective heat transfer coefficient for the fluid film inside the tubes and a convective heat transfer coefficient for the fluid film outside the tubes.

Online monitoring of commercial heat exchangers is done by tracking the overall heat transfer coefficient, because the overall heat transfer coefficient tends to decline over time due to fouling.

By periodically calculating the overall heat transfer coefficient from exchanger flow rates and temperatures, the operator of the heat exchanger can estimate the lifetime of heat exchangers.

Logarithmic Mean Temperature Difference – LMTD. In order to solve certain heat exchanger problems, engineers often use a log mean temperature difference, which is used to determine the temperature driving force for heat transfer in heat exchangers.

In a cross-flow, in which one system, usually the heat sink, has the same nominal temperature at all points on the heat transfer surface, a similar relation between exchanged heat and LMTD holds, but with a correction factor.

To define the effectiveness of a heat exchanger, we must first determine the maximum possible heat transfer rate, qmax, for the heat exchanger.

Heat exchanger description Parallel flow heat exchangers Counter flow heat exchangers Effectiveness NTU Phase Change Constant specific heat Examples Reason for Heat Exchangers A heat exchanger is a piece of equipment built for efficient heat transfer from one medium to another.

Two Main Types of Heat Exchangers The two main types of heat exchangers that exist: 1.

Counter Flow Heat Exchanger ! ! ! !!! !!! ! = Heat Exchanger ! Parallel Flow !! “# !! ! !!! In parallel flow heat!exchangers, the two mediums enter the exchanger at the same end, and travel in parallel to one ! !!”!! “##” $!! “!!”!! ” ” #$! %ℎ! another to the other side.

The counter flow design is most efficient, in that it can transfer the most heat from the heat transfer % medium.

Change ” # = in! temperature ! “# ! ! ! ! The heat capacitance rate is defined in terms of mass flow rate !, and specific ! ! !heat !!! c: [kg/s], [kJ/(kgK)], ! ! Heat% Capacitance% Rate% A = area [m2] Cmin refers to the minimum value of the heat capacitance rate found from comparing the heat capacitance rate of the hot and cold medium.

If the UA of this counter-flow regenerative heat exchanger is 2.1 kW/K and the flow rate is 1.2 kg/s, what is the temperature T leaving the heat exchanger? 4) In a processing plant a material must be heated from 20 to 80 C in order for the desired reaction to proceed, whereupon the material is cooled in a regenerative heat exchanger, as shown in the figure below.

If the UA of this counter-flow regenerative heat exchanger is 2.1 kW/K and the flow rate is 1.2 kg/s, what is the temperature t leaving the heat exchanger? Example 2 Configuration Example 2 Soln.

Page v ME-02 OBJECTIVES DOE-HDBK-1018/1-93 Heat Exchangers Intentionally Left Blank ME-02 Page vi Rev. 0 Heat Exchangers DOE-HDBK-1018/1-93 TYPES OF HEAT EXCHANGERS T YPES OF HEAT E XC HANGERS In almost any nuclear, chemical, or mechanical system, heat must be transferred from one place to another or from one fluid to another.

EO 1.4 DIFFERENTIATE between the following types of heat exchangers: a. b. Single-pass versus m ulti-pass heat exchangers Regenerative versus non-regenerative heat exchangers Introduction A heat exchanger is a component that allows the transfer of heat from one fluid to another fluid.

Due to the high heat transfer efficiency of the plates, plate type heat exchangers are usually very small when compared to a tube and shell type heat exchanger with the same heat transfer capacity.

Rev. 0 Page 3 ME-02 TYPES OF HEAT EXCHANGERS DOE-HDBK-1018/1-93 Heat Exchangers Figure 2 Plate Heat Exchanger Types of Heat Exchangers Because heat exchangers come in so many shapes, sizes, makes, and models, they are categorized according to common characteristics.

Figure 5 Cross Flow Heat Exchanger Comparison of the Types of Heat Exchangers Each of the three types of heat exchangers has advantages and disadvantages.

Q UoAo∆ Tlm Where: Q = Heat transfer rate Uo = Overall heat transfer coefficient Ao = Cross sectional heat transfer area ∆Tlm = Log mean temperature difference Consider the following example of a heat exchanger operated under identical conditions as a counter flow and then a parallel flow heat exchanger.

T1 = represents the hot fluid temperature T1in = 200°F T1out = 145°F Uo = 70 BTU/hr-ft2-°F Ao = 75ft2 T2 = represents the cold fluid temperature T2in = 80°F T2out = 120°F Counter flow ∆Tlm = Rev. 0 ln Page 7 72oF ME-02 TYPES OF HEAT EXCHANGERS DOE-HDBK-1018/1-93 o o Parallel flow ∆Tlm = ln Heat Exchangers 61oF Inserting the above values into heat transfer Equation for the counter flow heat exchanger yields the following result.

How Do Heat Exchangers Work?

Have you ever watched wisps of smoke drifting from smokestacks and wondered how much energy they’re uselessly pumping into the air? Maybe less than you might think! Saving energy is a huge and costly problem for factory bosses and it’s one reason they often install devices called heat exchangers to salvage as much heat as possible from waste gases.

Engines in cars, ships, and planes use heat exchangers to work more efficiently, gas boilers use them to heat up hot water, and if you have a refrigerator or an air-conditioner in your home, those are using heat exchangers too.

In theory, we could get the heat from the gas jets just by throwing cold water onto them, but then the flames would go out! The essential principle of a heat exchanger is that it transfers the heat without transferring the fluid that carries the heat.

You can see heat exchangers in all kinds of places, usually working to heat or cool buildings or helping engines and machines to work more efficiently.

All heat exchangers do the same job-passing heat from one fluid to another-but they work in many different ways.

Plate/fin heat exchangers have lots of thin metal plates or fins with a large surface area; heat exchangers in gas furnaces work this way.

If you’re still confused about what a heat exchanger is, you might find it helpful to think about two examples of everyday, heat-moving devices that transport heat but aren’t really heat exchangers.

HVAC Heat Exchangers Explained

HVAC heat exchangers usually do one of two things, they either heat or cool air or water.

Microchannel heat exchangers are an advancement on the finned tube coil providing superior heat exchange although these are only used for refrigeration and air conditioning systems.

These heat exchangers can be used in the winter months to reclaim the heat from the buildings exhaust stream, this heat is captured by the thermal wheel and transferred into the fresh air intake stream which will be much cooler than the air inside the building.

Fuel is combusted and the hot gas is sent through the heat exchanger, the heat of this is convected into the walls of the heat exchanger, the cooler ducted air passes across the other side causing a temperature difference so the heat of the gas is conducted through the wall and will be carried away by convection.

The basic things to know about these two types of heat exchangers is that Gasket type can be dismantled, its heating or cooling capacity can be increased or decreased simply by adding or removing heat transfer plates.

A chiller will use either a shell and tube heat exchanger, a plate heat exchanger or a finned tube heat exchanger.

For example an air cooled chiller may use a shell and tube heat exchanger for the evaporator, a finned tube or micro channel heat exchanger for the condenser, a brazed plate heat exchanger for the compressors oil lubrication cooling and a gasket plate heat exchanger to indirectly connect the chiller to the central cooling circuit.

Workforce Transformation & Development Services

The learning path truly demonstrates what the team is doing to meet and enhance the customer experience and define innovative solutions to the problems we face.

A much-needed resource for both new and existing team members.

Understand that existing skillset and current workforce will not bring us far, hence our organization prides itself to invest in our employees – to be agile and transformational leaders of tomorrow.

Bridging the Skills Gap: Workforce Development in Changing Times The way we define job roles is changing.

Employees are bringing new skills to traditionally defined ways of working.

When faced with disruption-from new technologies, the great resignation, or the aging workforce-an organization’s main trategy is often to hire new.

GP Strategies Agrees To Merge With Learning Technologies Group, Creating One Of The World’S Largest Workforce Transformation Companies

PRNewswire/ – GP Strategies Corporation, a global workforce transformation solutions provider, today announced it has entered into a definitive agreement to be acquired by Learning Technologies Group, a provider of services and technologies for digital learning and talent management, for $20.85.

Together, Learning Technologies Group and GP Strategies will create one of the world’s largest workforce transformation companies providing solutions to help organizations and their employees operate more effectively by delivering innovative and superior training, consulting, and business improvement services that are customized to meet its clients’ needs.

Mr. Stedham continued, “This agreement with Learning Technologies Group is a true testament to the many strengths of our organization, including our reputation in the industry, technical expertise and highly qualified workforce. This combination will position both companies for immediate success and long-term growth while providing GP Strategies shareholders with immediate and certain premium value.”

“LTG has long admired GP Strategies and has been in regular contact with their management about a possible combination over the past few years, said Jonathan Satchell., Chief Executive of Learning Technologies Group.”I look forward to welcoming GP’s teams and people, who are joining an exciting journey as we benefit from consolidation of the growing corporate learning and talent management industry.

Upon closing of the transaction, GP Strategies will become a division of Learning Technologies Group and its shares will no longer be listed on the NYSE. The Company expects to continue to go to market with the GP Strategies brand and portfolio of offerings.

GP Strategies is a global workforce transformation provider of organizational and technical performance solutions.

None of GP Strategies or Learning Technologies Group undertakes any obligation to revise or publicly release the results of any revision to these forward-looking statements, except as required by law.

Canada’S Low-Cost Carrier WestJet To Buy Rival Sunwing Airlines

Register now for FREE unlimited access to Reuters.comMarch 2 – Canadian airline WestJet Group, owned by private equity firm Onex Corp, said on Wednesday it would buy leisure rival Sunwing Airlines for an undisclosed amount as it looks to tap into a rebound in air travel.

WestJet said it would also buy travel booking website Sunwing Vacations, as part of the deal, which is expected to close in late 2022, pending regulatory approval.

Canada’s travel industry, including carriers such as Air Canada, were hit hard during the pandemic with earlier restrictions like mandatory quarantine periods dealing a blow to demand.

Register now for FREE unlimited access to Reuters.comTraffic is expected to rebound as restrictions relax and travellers have the option to use either a rapid antigen test or a molecular PCR test to meet pre-entry requirements for vaccinated travellers.

ATB Financial analyst Chris Murray said he did not expect the deal would create much new capacity.

The union representing Sunwing flight attendants said it would fight to defend the jobs of its 800 members in the wake of the deal’s announcement.

Register now for FREE unlimited access to Reuters.com.

Canada’S New Low-Cost Airline Is Doing 50% Off Cheap Flights Right Now

Lynx Air, an ultra-low cost carrier new to Canada, is having a spring sale that gets you 50% all base fares for flights connecting Toronto, Winnipeg, Calgary, Vancouver, and Kelowna.

You have to book by Sunday, March 6 to get in on the deal, and your flights have to be between April 7 to June 29.

If you were going to fly from Vancouver to Calgary to visit friends for a few days, your total roundtrip flight could be as low as $82.98.

The same roundtrip flight would cost more at an airline like WestJet, which charges about $112 for the same route and same dates.

If you were going from Toronto to Vancouver for a week on Lynx Air, your flight could be as cheap as $119.14.

To find one of these cheap flights for yourself, you can go to Lynx Air and type in the code SPRINGSALE to activate 50% off.

Still, if you happen to miss the sale, there are a ton of cheap flights available on Lynx Air for the budget-minded Canadian traveller.

Low-Cost Carrier Plans To Fly Nonstop Between Anchorage And Vancouver, B.C., This Summer

Until the COVID-19 pandemic crippled the travel infrastructure in 2020, Yakutia Airlines had been flying back and forth between Anchorage and Petropavlovsk-Kamchatsky since the summer of 2012.

During the summer schedule, which lasted between mid-July and mid-September, Yakutia operated the only passenger airline service between Alaska and Asia.

At about the same time AirRussia was canceling its schedule, another airline announced plans to fly nonstop from Vancouver, British Columbia, to Anchorage this summer.

Flair Airlines is a Canadian ULCC, or ultra low cost carrier.

Several other ULCCs fly to Anchorage during the summer, including Frontier Airlines, to Denver, and Sun Country Airlines, to Minneapolis.

Allegiant Air, another ULCC, used to fly during the summer from Anchorage to Bellingham.

Holland America Line will have six ships sailing in Alaska this summer.

Thai AirAsia Among Top 3 Most On-Time Low Cost Carriers

BANGKOK, March 4 – Thai AirAsia is among the top three “Most on-time low cost carriers” in 2021, aviation and travel data analytics firm Cirium said in its annual review.

Thai AirAsia was the only Thai airline given that recognition.

The annual review said 97.47 per cent of its flights operated on time in 2019.

AirAsia Thailand chief executive officer Santisuk Klongchaiya said in a statement that the airline is extremely proud of this recognition that highlights staff and crew dedication and operational performance during these challenging times.

He added that AirAsia twice received a full 7/7 rating from airlineratings.com for service excellence, the latest being in February this year.

Santisuk pointed out that in Cirium’s comprehensive evaluation, even amid obstacles brought about by the COVID-19 situation, which included a temporary suspension of flights in support of government policies and a scale-back of services, AirAsia continued to develop and maintain its high standards, especially in terms of safety, hygiene and on-time performance.

The Cirium 2021 On-Time Performance Review is based on accurate data analysis trusted by businesses and investors in both the aviation and airport sectors for enhancing on-time performance in the aviation and tourism industries.

What Is A Low-Cost Carrier?

While a lower price is one difference, it’s not the only difference, and low fares alone don’t mean an airline is a low-cost carrier.

While the most obvious difference between low-cost and full-service carriers is the extra fees low-cost airlines charge for things like in-flight beverages, carry-on bags, or pre-flight seat selection-many full-service airlines have responded to the low base fares of budget carriers by offering basic economy.

For an even more in-depth look at the differences, plus all the details you need to make an informed decision about what airline ticket to buy, don’t miss our article, “Everything You Need to Know About Flying Budget Airlines.”

In order for an airline to be allowed to fly in the US, it has to abide by the same FAA safety regulations whether it’s a low-cost carrier or a legacy carrier.

Some of our favorite low-cost airlines are Norwegian, Air Canada Rouge, LEVEL Airlines, Southwest, and AirAsia X. Skytrax’s most recent list of the best low-cost airlines lists the top five as AirAsia, easyJet, Norwegian, Southwest Airlines, and AirAsia X. Norwegian, AirAsia X, Jetstar Airways, WestJet, and Eurowings make up their top five best long-haul low-cost airlines.

Each low-cost carrier has a different set of amenities it deems “Extra,” for which passengers are charged an additional fee beyond the price of the airline ticket itself.

Checking in at the ticket desk: Online check-in helps budget airlines reduce the cost of paying ticket agents.

Low-Cost Carrier

A low-cost carrier or low-cost airline is an airline that is operated with an especially high emphasis on minimizing operating costs and without some of the traditional services and amenities provided in the fare, resulting in lower fares and fewer comforts.

As of April 2020, the world’s largest low-cost carrier is Southwest Airlines, which operates primarily in the United States, as well as in some surrounding areas.

The term originated within the airline industry referring to airlines with a lower operating cost structure than their competitors.

While the term is often applied to any carrier with low ticket prices and limited services, regardless of their operating models, low-cost carriers should not be confused with regional airlines that operate short flights without service, or with full-service airlines offering some reduced fares.

Which led to lower fares, many airlines remained bound to these salary agreements and pensions, whereas new low-cost carriers employed new staff with lower salaries, especially for cabin crew, keeping personnel costs low and allowing for competitive fares.

Following the appointment of former Allegiant Air COO Jude Bricker as their new CEO, Sun Country Airlines began transitioning to an ultra low-cost carrier model in 2017.

In the United States, airline carriers such as Midway Airlines and America West Airlines, which commenced operations after 1978, soon realized a cost of available seat mile advantage in relation to the traditional and established, legacy airlines such as Trans World Airlines and American Airlines.

What Is A Low Cost Carrier, Really?

Nowadays when I refer to an airline as a low cost carrier, someone usually comments something along the lines of “I don’t know why you use that term, they don’t charge less than other airlines.” For example, I just wrote about WestJet being a low cost carrier, and some commented that, claiming that WestJet doesn’t have cheaper fares than Air Canada.

I think it’s also important to differentiate low cost carriers from ultra low cost carriers.

Ultra low cost carriers are those that actually charge fees for everything, have super low fares, pay their employees less, etc.

The important thing to remember is that historically the term low cost carrier has been based on the airlines’ operating costs rather than the services they offer.

In other words, a low cost carrier isn’t one that necessarily has lower fares, but rather one that has lower operating costs.

I think we can quite easily define ultra low cost carriers, but the line between “Low cost carriers” and “Full service airlines” is being blurred.

Is the Southwest business model really low cost anymore, and is the British Airways and United business model really full service anymore?

Robotic Vacuums / Vacuums: Home & Kitchen

The idea of a robot maid going around your home and consistently cleaning your floors and carpeting sounds like a high-end luxury-a neatnik’s dream beyond reach.

Over the years, automated floor cleaners, aka robot vacuums, have become inexpensive for the average person.

Yes, some brand name models can be pretty pricey, but there are great values to be found out there as well.

The Best Robot Vacuums For 2022

The Cleanup Expert reviews the highest-rated models on the market to discover the best robot vacuum cleaner of 2022.

Robot vacuum cleaners, also known as automatic vacuums, are cleaning robots designed to autonomously keep your home spotless – and we’re here to help you choose the best in this robot vacuum comparison.

Yes! While not a complete home-cleaning replacement, robot vacuums offer impressive cleaning capability given their small size and autonomous nature.

Robot vacuums use sensors to navigate your home, with more premium models even mapping as it cleans.

While robot vacuums can host an myriad of sophisticated features, they tend to be made out of a few common components that are generally easy to clean.

Cleaning Modes – Robot vacuums frequently feature various cleaning modes for handling different tasks around your home.

Mapping – Modern, advanced robot vacuums are capable of actively mapping your home as it cleans.

The Best Robot Vacuums For 2022

An exception is the Shark IQ Robot Self-Empty XL, which has two dustbins: one in the robot itself, and a larger one in the base station that holds up to a months’ worth of debris.

Self-emptying or not, most robot vacuums also come equipped with small HEPA filters that capture allergens in the air as the robot vacuums your floors.

Neato Botvac D4. In addition, robot vacuums have reached the point where they’re just as powerful and effective as regular vacuums.

For more, see our lists of the best robot vacuums for pet hair and the best robot mops.

We test robot vacuums in our actual homes, with the following categories in mind: battery life, navigation, obstacle avoidance, the setup process, and suction power.

In general, most robot vacuums can run for at least 60 to 70 minutes, which should be enough to tackle smaller homes and apartments.

Since we test all the robot vacuums in the same home environment, we check how full the dustbins get and whether the robot picks up obvious debris like pet hair and dust bunnies.

The Best Robot Vacuums Of 2021

Robot vacuums are designed to make your life easier, cleaning the floors so you don’t have to.

The best robot vacuums will skillfully and thoroughly clean your floors with little or no effort from you.

We tested 10 robot vacuums to see which one is best at navigating a home, picking up dirt and simplifying your life.

Its multi-surface rubber brushes on the underside kept the brush from getting tangled with pet hair; only the iLife V3S Pro did a better job at not getting tangled, but that’s because it doesn’t have a roller brush like the j7+ or the other robot vacuums we tested.

Robot vacuums can’t do everything or completely replace an upright, canister or stick vacuum.

If you’re not willing to devote the time to prepping the house, then opt for the LiDAR-enabled, connected robot vacuums – like our overall recommendation, the iRobot Roomba j7+ – that are smart enough to detect and steer clear of obstacles.

After researching which robot vacuums to test, we settled on 11 models with a wide variety of features and price points.

What Is Robotic Vacuum Cleaner

We’ve all been fascinated with robot vacuums, you may ask what robotic vacuum cleaner is.

Automatic Robot Vacuum Cleaner Having a robot vacuum cleaner has many benefits that will make your life easier.

Your robot vacuum cleaner will leave your floors speck-free and immaculate while you sit back and get on with something else, whether they map out your home or work in spirals.

The aggressive invasion of robot vacuums may raise the question in your mind: “How do robot vacuums work?” Is a robot vacuum cleaner worth it and how does it function to keep your home clean? So, if you’re thinking about buying a robot vacuum, you’ll need to understand how it works, which we will explain.

Robot vacuum mapping in robotic vacuums has come a long way since their humble beginnings.

Good maintenance of the robotic vacuum cleaners is important, on a regular basis to keep them clean, particularly the rollers.

If you have a large house to cover and carpets to clean, you should look for a robot vacuum cleaner with a bigger battery.

What Is OEM Supplier Robot Vacuum Cleaner Automatic Robotic Vacuum Cleaner Auto Charge Sales

We will offer you Robot Vacuum Cleaner qualifies with above-average “Up-times”, low maintenance requirements, and ease of operation.

Here is a comparison of 4 similar Robot Vacuum Cleaner products for you to choose from, with so many different brands offering so many varying interpretations within the genre.

How to get a fair price or final price? According to different parameters of Robot Vacuum Cleaner, you will get a final price range from US $ 27.0 to US $ 125.0.

If you have an idea to know the other details of Robot Vacuum Cleaner such as the fee of tax, customs clearance and shipping costs and service, we suggest you contact with these Robot Vacuum Cleaner suppliers by clicking “Contact Now” button or chatting with these suppliers by instant messenger tool “Chat with Supplier”.

Your options are plentiful on Made-in-china.com.

Robotic Vacuum Cleaner

A robotic vacuum cleaner, sometimes called a robovac or a Roomba as a generic trademark, is an autonomous robotic vacuum cleaner which has a limited vacuum floor cleaning system combined with sensors and robotic drives with programmable controllers and cleaning routines.

A downside to a robotic vacuum cleaner is that it takes an extended amount of time to vacuum an area due to its size.

In 1956, the American science fiction author Robert A. Heinlein described the concept of a robotic vacuum cleaner with a recharging dock in his novel The Door into Summer: “Basically it was just a better vacuum cleaner …. It went quietly looking for dirt all day long, in search curves that could miss nothing …. Around dinner time it would go to its stall and soak up a quick charge.”

Electrolux Released the Trilobite robotic vacuum cleaner.

The Robotic vacuum cleaner launched at a price of $1,800.

In 2010, the Neato Robotics XV-11 robotic vacuum introduced laser based mapping, allowing navigation in straight lines rather than the traditional random navigation.

If there is no sensor, most of the robot vacuum cleaner manufacturers adding no-mop zone feature in the app nowadays to make robot vacuums to avoid certain areas from mopping.

5 Best Automatic Pool Cleaners

Automatic pool cleaners wheel, scoot, and slide themselves over the various surfaces in your pool, using brushes, scrubbers, and filters to remove unwanted objects.

Select machines use software and sensors to determine the size and shape of your pool, cleaning it in an efficient manner rather than the random “Navigation” of other automatic pool cleaners.

Automatic pool cleaners can get expensive and considering their work environment and high chance of failure, you should protect your investment with a fair warranty.

Even if you have an automatic pool cleaner, a pool skimmer is still handy for quickly grabbing leaves, bugs, and other debris that might fall in while you’re using the pool.

FAQ. Q. How long will it take an automatic pool cleaner to clean my pool?A. Cleaning times can vary wildly depending on the size of your pool and the efficiency of your product, specifically its gallons per minute and mobility ratings.

Q. Can automatic pool cleaners filter out extremely small objects and bacteria?A. Some automatic pool cleaners are better for scrubbing, some are better for particulate filtration, and some excel at both.

Automatic pool cleaners are geared toward consistent maintenance rather than complete renovation, and their filters can’t handle contaminants of that scale.

The 6 Best Robotic Pool Cleaners Of 2022

A robotic pool cleaner keeps your swimming pool clean without clogging the skimmer or burning out your filtration system.

We researched the best robotic pool cleaners available online, evaluating effectiveness, maintenance, ease of use, and value.

Our best overall pick, the Dolphin Nautilus CC Plus Robotic Pool Cleaner, has dual scrubbing brushes, three one-touch cleaning settings, and a tangle-resistant cable.

The Dolphin Nautilus CC Plus is our go-to choice for a robotic pool cleaner since it offers plenty of suction power and multiple filtration options to keep pools clean.

Features Do you want the power to clean your pool with a swipe on your phone? Do you want to preprogram a cleaning schedule or access a quick-cleaning mode to get the job done in a flash? There are robotic pool cleaners that can do all this and more.

Functionality Some pool cleaners skim the top surface of your pool to get dirt and debris before it sinks, while others will crawl the sides and bottom to get anything that has sunk.

You also want to consider the size of the basket that collects all the debris, mainly if your pool is surrounded by trees and plants that regularly deposit leaves and dirt into the pool.

The Best Automatic Pool Cleaners: 2022

Here, we’ll cover the best automatic pool cleaners for every swimming pool out there.

Zodiac G3 Automatic Suction-Side Pool Cleaner Vacuum for In-ground Pools Quiet, powerful suction cleaner; works with low-speed pumps for maximum efficiency.

Polaris Vac-Sweep 280 Pressure-Side In-ground Pool Cleaner, Double Venturi Jet Powered, 31ft of Hose with an All Purpose Debris Bag CLEANS IN 3 HOURS: Powered by a separate Polaris booster pump, dual venturi jets create strong vacuum power to reliably clean any in ground pool in 3….FOR IN-GROUND POOLS: Safe for all pool shapes and surfaces including vinyl, fiberglass, gunite, pebble, & tile.

Zodiac MX6 Automatic Suction-Side Pool Cleaner Vacuum for In-ground Pools Innovative low-flow design makes it ideal for pools with 2-speed or variable speed pumps.

Depending on the type of pool you have – whether inground or above-ground – you may want a pool vacuum that can climb stairs or walls.

Robotic pool cleaners are going to be your best bet here.

The rubber will stick better to your pool surface and be able to navigate around the pool a bit easier.

Automated Pool Cleaner

An automated pool cleaner is a vacuum cleaner that is designed to collect debris and sediment from swimming pools with minimal human intervention.

The first suction-side pool cleaner was invented by Roy B. Everson of Chicago in 1937 and was named the “Swimming Pool Cleaner”.

Two years later, the “Automatic Swimming Pool Cleaner” was created by Andrew L. Pansini; it was the first truly automatic pool cleaner and was touted by Pansini as “Effective to remove the scum, dirt and other accumulations from both the bottom and sidewalls of a pool to disperse foreign matter in the water for removal therefrom by a normal pump-filter system of the pool”.

The design is used in the Polaris Pool Cleaner, a commonly used pool cleaner amongst modern pool owners.

This type of pool cleaner pumps water out of the pool via its skimmer or drains, uses it for locomotion and debris suction, then returns it after being filtered via pool return or outlet valves.

In the US, commercial pool cleaners need to be certified by the National Spa Pool Foundation as Certified Pool Operators.

Clearness: At all times when the pool is in use the water shall be sufficiently clear to permit a black disk six inches in diameter on a white field, placed on the bottom of the pool at the deepest point, to be visible from both sides of the pool when the water is quiet.

Electricity, Gas, Internet And Mobile

12 months Amazon Prime on us when you switch your home energy or internet to AGL1.

Save $15/mth on your nbn™ plan and $5/mth on your mobile plan when you combine with AGL Energy.

Ways to save with Energy Coach Answer some simple questions in our Energy Coach tool and, in just a few minutes, you’ll have personalised tips to help you save on your gas and electricity bills.

Get help with moving home, energy connections, mobile and internet issues, emergencies and more.

1Amazon Prime offer: available to customers who switch their home energy or internet to AGL from another retailer or who choose AGL for their energy or internet when moving home.

Eligible customers who add certified Carbon Neutral to their new AGL electricity or gas service will receive a $52.15 credit on their first electricity bill and/or a $26.08 credit on their first gas bill, equivalent to 12 months of Carbon Neutral charges.

Customers will otherwise be charged at the rate of $1/week for electricity and $0.50/week for gas until you cancel your AGL service or opt out of Carbon Neutral by contacting AGL. These rates are subject to change.

AGL Energy

AGL Energy generates energy from power stations that use thermal power, natural gas, wind power, hydroelectricity, solar energy, gas storage and coal seam gas sources.

In 2000, AGL purchased emerging telecommunications provider Dingo Blue from C&W Optus for $22m. AGL closed Dingo Blue down in 2003.

On 6 October 2006, the Australian Gas Light Company and Alinta merged and restructured to create two new listed companies, a restructured Alinta Ltd and AGL Energy Ltd. In Victoria, in June 2012, AGL Energy acquired Loy Yang A Power Station and the Loy Yang coal mine.

In 2018, AGL was among 17 energy businesses that supported the launch of the Energy Charter, a global initiative aimed at bringing together all parts of the power supply chain to give customers more affordable and reliable energy.

In June 2021, AGL announced its intention to split into a bulk power generator and a carbon-neutral energy retailer by June 2022.

AGL Energy will be rebranded as Accel Energy and hold the company’s coal-fired power plants and wind farm contracts, while the electricity and gas retail assets will be spun off into a separately listed company, AGL Australia.

In the 2019-20 financial year, AGL came first place on the list, with reported emissions of 42.4 million tonnes, which is equivalent to 9 million cars on the road. AGL is responsible for more than double the carbon emissions of Australia’s second-biggest electricity generator, and more than BHP, Rio Tinto, Glencore, and Qantas combined.

AGL Energy Stock Forecast, Price & News

AGL Energy Limited provides energy and other services to residential, small and large business, and wholesale customers in Australia.

The company engages in generating electricity through thermal, hydro, wind, and solar power generation plants; gas storage activities; and the retail sale of electricity, gas, solar, and energy products and services.

The company operates electricity generation portfolio of 11,208 megawatts; the Newcastle gas storage facility in New South Wales; the Silver Springs underground gas storage facility in Queensland; natural gas production assets at Camden in New South Wales; and the North Queensland gas assets.

AGL Energy Limited was founded in 1837 and is based in Sydney, Australia.

AGL Energy Ltd. is an integrated renewable energy company, which engages in the provision of natural gas distribution services.

It operates through the following segments: Customer Markets; Wholesale Markets; Group Operations; Investments; and Other.

The Customer Markets segment include retailing of electricity, gas, solar, and energy efficiency products and services.

The Wholesale Markets segment involves in the wholesale electricity, wholesale gas and eco markets, and managing the price risk associated with procuring.

The Group Operations segment consists power generation portfolio and other key sites and operating facilities.

The Investment segment focuses its interests in the ActewAGL Retail Partnership, Powering Australian Renewables Fund, Digital Energy Exchange and New Energy Investments: Advanced Microgrid Solutions Inc, Energy Impact Partners’ Fund, Activate Capital Partners, Solar Analytics Pty Limited, Sunverge Energy Inc and Ecobee Inc. The Other segment composes of the various corporate activities which includes the head office and central support functions and the innovation accelerator portion of the previous new energy segment.

Even if you’re not personally sold on the idea of sustainability and “Green energy,” you must acknowledge that this is the direction the world is headed in.

AGL Energy Rejects Revised Takeover Proposal From Brookfield, Atlassian Co-Founder

AGL Energy Ltd. rejected a revised takeover proposal from a Brookfield Asset Management Inc.-led consortium, saying it still materially undervalued the power generator and retailer.

The consortium headed by Brookfield and including Grok Ventures, the private investment vehicle of Atlassian Corp. Plc. co-founder Mike Cannon-Brookes, recently sweetened its proposal to 8.25 Australian dollars a share, up from A$7.50 per share.

AGL Rejects Second Bid From Mike Cannon-Brookes

A tech billionaire has revealed his next move after his attempted takeover of energy giant AGL was rejected for a second time.

Tech billionaire Mike Cannon-Brookes and his partners Brookfield Asset Management have backed down on their bid to take over AGL energy.

After the board rejected plan for a second time, Mr Cannon-Brookes said it he was putting down the pens.

The electricity company’s board rejected the first bid over claims it materially undervalued the company.

It’s expected AGL will now press ahead with a controversial move to split the company.

Mr Cannon-Brookes had hoped, if his bid was successful, to accelerate AGL’s plan to exit from coal, and close all three coal plants by 2030.

Originally published as AGL rejects second bid from Mike Cannon-Brookes to take over energy company.

AGL Energy Ltd Quote

We’re strongly against an AGL Energy takeover both at this time and at the current share price.

In our opinion, AGL is heavily undervalued, and a better takeover price would be achieved after the demerger, or better still, after earnings recover over the next couple of years.

The bid price is 5% above the last closing price but 44% below our fair value estimate and represents a fiscal 2024 P/E ratio of 9 times on our forecasts.

AGL directors rejected the offer, saying it materially undervalues the company.

We think AGL’s retail business-to be known as AGL Australia-would be an attractive takeover target for large domestic and foreign enterprises trying to grow in the Australian energy sector, such as Telstra, Ampol, Shell, Total, Enel, and Iberdrola.

These firms would be less likely to enter a bidding war for AGL Energy as it currently stands because of the risks of divesting the coal power stations, which they would be unlikely to keep.

While most acquirers probably wouldn’t want the coal power stations, we think AGL’s generation business-to be known as Accel Energy-has a good medium-term earnings outlook given strength in wholesale electricity prices.

Mike Cannon-Brookes

Michael Cannon-Brookes is an Australian billionaire, the co-founder and co-CEO of the software company Atlassian.

Cannon-Brookes often carries the epithet of accidental billionaire after he and his business partner Scott Farquhar founded Atlassian with the simple aim of replicating the then-typical graduate starting salary of A$48,000 at the big corporations without having to work for someone else.

With Scott Farquhar, Cannon-Brookes is the co-founder and co-CEO of Atlassian, a collaboration software company.

In September 2020, it was revealed that Cannon-Brookes was listed on a Chinese Government ‘Overseas Key Individuals Database’ of prominent international individuals of interest for China illustrating his prominence in the Australian technological and industry landscape.

Cannon-Brookes has been a prolific commentator on public policy in Australia, collaborating with the Australian Government on a number of occasions, as well as publicly offering his assistance to solve energy and technology policy challenges.

In December 2020, Cannon-Brookes bought a minority stake in NBA team Utah Jazz, along with Qualtrics cofounder Ryan Smith.

Alongside his business partner, Farquhar, Cannon-Brookes debuted on the 2007 BRW Young Rich list of the richest Australians aged under 40; and on the BRW Rich 200 in 2013.

Mike Cannon-Brookes Walks Away After AGL Rejects 2nd Takeover Bid

AGL has rejected a revised takeover bid from Mike Cannon-Brookes and Brookfield.

The $8.25 a share bid was a 10% increase on their first bid two weeks ago and worth $5.5 billion.

Atlassian billionaire Mike Cannon-Brookes is walking away from plans to acquire Australia’s largest energy supplier, AGL, after the ASX-listed company rejected a second $5.5 billion takeover bid for the business.

AGL shares sat below the original takeover offer of $7.50 made and rejected by the board a fortnight ago, sitting at $7.43 at Friday’s market close.

A fortnight ago, when the first takeover offer was made, AGL shares sat at $7.16 following the company’s 1H FY22 results announced on February 10.

“If the AGL directors believe the company is worth $9 or $10 a share, why on earth haven’t they been buying the stock, when it’s trading around $7.40?,” Gocher said.

“CEO Graeme Hunt has claimed that the Brookfield consortium should be offering a 30% premium to the current share price.”If Hunt genuinely believes the company is worth that much, why has he not spent his own money on AGL shares since September 2018, despite receiving millions in remuneration since?”.

AGL Rejects Second Bid From Mike Cannon-Brookes

A tech billionaire has revealed his next move after his attempted takeover of energy giant AGL was rejected for a second time.

Tech billionaire Mike Cannon-Brookes and his partners Brookfield Asset Management have backed down on their bid to take over AGL energy.

After the board rejected plan for a second time, Mr Cannon-Brookes said it he was putting down the pens.

The electricity company’s board rejected the first bid over claims it materially undervalued the company.

It’s expected AGL will now press ahead with a controversial move to split the company.

Mr Cannon-Brookes had hoped, if his bid was successful, to accelerate AGL’s plan to exit from coal, and close all three coal plants by 2030.

Originally published as AGL rejects second bid from Mike Cannon-Brookes to take over energy company.

AGL Energy has rejected an improved takeover bid from a consortium including Australian billionaire Mike Cannon-Brookes, forcing the would-be predators to put “Our pens down”.

“The Brookfield-Grok consortium looking to take private & transform AGL is putting out pens down – with great sadness,” he tweeted.

The target’s board said the revised offer was still well below both the fair value of the company on a change of control basis, given the expected value to be generated by its proposed demerger.

“The proposed demerger will be a catalyst for the potential realisation of shareholder value,” Chair Peter Botten said on Monday.

“It will create two industry leading companies with distinct value propositions.”It will allow each business to be valued separately and more positively by the market on the basis of their own specific fundamentals.

AGL plans to split the company into two listed entities – green energy retailer AGL Australia and coal-fired electricity generator Accel Energy – by June 30.The proposed entities have been assigned emissions reductions targets, putting them on course to reach net-zero in 2040 and 2047 respectively.

AGL shares last traded at $7.43, valuing the group at $4.8 billion.

AGL Rejects Higher Bid From Mike Cannon-Brookes And Brookfield, Potentially Ending Takeover Push

AGL Energy has formally rejected a revised takeover bid from the Canadian asset manager Brookfield and the tech billionaire Mike Cannon-Brookes, seeing off the unsolicited bid that the suitors claimed would have been the world’s largest decarbonisation project.

As expected, AGL’s shares opened lower, dropped 10 cents in early trading on Monday from Friday’s close, or about 1.4%, to $7.33.”The AGL Energy board considered that the revised unsolicited proposal is still well below both the fair value of the company on a change of control basis, and relative to the expected value of the proposed demerger,” the company said in a statement.

As a result, it was “Not in the best interests of AGL energy shareholders.”

By July, AGL plans to split into a mainly generating unit, Accel Energy, and a retailing entity, AGL Australia.

Mike Cannon-Brookes March 6, 2022 The initial audacious bid had drawn opposition from the AGL board, which claimed it materially undervalued the company.

AGL already plans to shut its Liddell plant in the Hunter Valley of New South Wales by April 2023.

While the bidders indicating they would give up if the revised bid was rejected, one source questioned whether it might be tempted back if – as is expected – AGL’s shared take a plunge when trading resumes on Monday.

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Mike Cannon-Brookes

Mike Cannon-Brookes is an entrepreneur, technology investor and passionate clean energy evangelist.

Why you should listen Mike Cannon-Brookes is the cofounder and co-CEO of Atlassian, an Australian software company.

Outside Atlassian, he is a technology investor in the areas of software, fintech, agriculture and energy and sits on the board of Zoox, a company that develops technology for self-driving cars.

He cares deeply about giving back and sits on the board of Room to Read, a nonprofit organization dedicated to improving literacy and gender equality.

A passionate clean energy evangelist, he was a driving force in the efforts for Australia to get the world’s biggest lithium ion battery and continues to advocate for technology that benefits our environment.

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FBNBank Partners WorldRemit To Offer International Money Transfer Services

FBNBank Ghana and digital payments company, WorldRemit, have announced a partnership that makes it easier for residents of Ghana to process international money transfers.

The bank transfer service credits the transferred funds directly into the bank account of the beneficiary via the GhIPSS Instant Pay Platform and the cash pick-up service offers cash to beneficiaries of international transfers in a branch setting.

Together, FBNBank and WorldRemit are improving the financial inclusiveness of Ghanaian citizens and supporting the country’s economic growth by making it quicker and easier for the Ghanaian diaspora to send money back home.

“Through our partnership with WorldRemit, FBNBank will be making it possible for millions of Ghana’s residents, including our customers, to have access to funds from their relations and associates abroad. For us at FBNBank, this is yet another offering on our menu which enriches our service to our customers on the platforms of convenience and variety.”

Through this partnership with WorldRemit, FBNBank will be offering fast, safe and affordable remittance services to expand the variety of international remittance service options available to the Bank’s customers.

Elaborating, Head of E-Business Solutions at FBNBank Ghana, Alexander Markwei said: “In line with our declared agenda for 2022, we are expanding our service offering across board. Our partnership with WorldRemit service is a confirmation of our commitment to ensuring that our customers receive much-needed funds quickly and efficiently. For us at FBNBank this is what convenience means and we are committed to delivering greater service to our customers on that platform.”

The WorldRemit service is also available across the First Bank of Nigeria network to which FBNBank Ghana belongs.

Remittance Helps Customers Stay Afloat During Omicron

Despite this, customers are finding creative ways to keep their families entertained and afloat during these trying times.

In particular, three families have shown their entrepreneurial spirit and managed their own businesses, learning how to manage stock and engage with customers during the pandemic.

Last year, WorldRemit, a leading global payments company, teamed up with Grainsmart to give its Filipino customers the chance to win a home business that in some cases, could lift them and their families out of poverty.

A dream come true, the franchise business was a way for the Kreutzmann family to realize their dreams of a brighter future.

Additional winners include Rosa Mae Mabale, a student and youth worker from Norway, and Analou Sua, a caregiver from Australia whose families are both planning on expanding the business further in farming and opening a minimart.

“Our users go abroad to find better opportunities for their families. In understanding the sacrifices OFWs make, WorldRemit remains committed in supporting their journey towards an improved quality of life brought by financial stability,” said WorldRemit Country Director, Earl Melivo.

If one thing has been made clear, it is the strength of family and community that will help customers and loved ones get through the pandemic.

Kenya: World Remit Sees Technology Accelerating Remittance Inflows To Kenya

Nairobi – Global payments company, World Remit, sees remittance inflows to Kenya growing aggressively in 2022 thanks to advancements in digital technology in the financial services sector.

Money sent back home by Kenyans in the diaspora has hit a record high every year since 2016, with data from the Central Bank of Kenya showing that inflows reached USD 3.71 billion in 2021, up 20.2 percent from USD 3.09 billiona year earlier.

Sharon Kinyanjui, WorldRemit’s Director for Europe, Middle East, and Africa Receive markets, noted that the continued shift to digital remittance technologies has made it more convenient and affordable for those in the diaspora to send money back home.

“The shift to digital remittances accelerated during the pandemic and has contributed to the strong inflows we’ve seen in Kenya. Digital technology has disrupted the cost of remittances by making it more affordable. It has also improved the speed of transactions and the overall customer experience.,” she said.

She said the firm has conducted several surveys in the past few years to understand the main uses of remittances in Kenya.

“Our findings indicate that education is one of the main uses of remittances to Kenya. We also see remittances being sent for medical expenses. There is also a growing number of people who send money back home for investment purposes,” said Ms. Kinyanjui.

CBK data indicates that the US is the largest source of remittances into Kenya, accounting for 63.2 percent of inflows in 2021.

Soaring Popularity Of Mobile Wallets To Gain Grounds For Digital Remittance Across The Globe: Fact.MR Analysis

PRNewswire/ – The digital remittance market is likely to grow at a CAGR of 27% during the forecast period 2022-2032.

Money transfer operators to conduct 2 out of 5 digital remittance transactions through 2022.Outward digital remittance to account for 57% of total market revenue across the forecast period.

The rising penetration of mobile devices across the globe in recent years has encouraged the adoption of digital technology in remittance services and cross-border payments.

Customers across the globe are also shifting toward digital remittance services as they help reduce the money transfer time and remittance costs.

The lack of awareness about digital remittance services and high remittance prices are expected to hinder the market growth.

Fact.MR, in its report, offers a market analysis of the global Digital Remittance market analysing the forecast period through 2022 and beyond.

Governments across the globe are taking initiatives to promote digital payments with an aim to increase the number of digital transactions in their respective countries.

WorldRemit Money Transfer Review, Rates & Fees

In order to provide a detailed rundown of this money transfer company, we will be investigating each of the key aspects of the WorldRemit business model; from transfer speeds, to foreign exchange rates, to mobile services.

All transfer fees are displayed throughout the transfer process, so customers are aware of the fees they will be charged, in advance.

WorldRemit offers a diverse range of transfer options for customers sending money to different destinations around the world.

WorldRemit money transfers are faster than sending money with your bank, irrespective of the transfer corridor.

In general, WorldRemit is one of the best money transfer service providers for sending money to your family for household expenses, medical care and treatment, education, social contributions and other personal reasons.

WorldRemit is a legitimate money transfer service with layers of proprietary safety measures in place, to ensure customers’ money gets to the recipient in a timely and safe manner.

What is average time to get credit beneficiary account for bank transfer in Pakistan?I have IBAN No of beneficiary but not the SWIFT Code, can my transfer still be processed ?What will be the transfer charges , after first 3 free transfers?

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Western Union

Founded in 1851 as the New York and Mississippi Valley Printing Telegraph Company in Rochester, New York, the company changed its name to the Western Union Telegraph Company in 1856 after merging with a competitor.

In 1856 the company merged with its competitor the Erie and Michigan Telegraph Company, controlled by John James Speed, Francis Ormand Jonathan Smith and Ezra Cornell and changed its name to Western Union Telegraph Company at Cornell’s insistence.

After the creation of the ‘Six Nations’ system, Western Union continued to acquire both larger & smaller telegraph companies and by 1864 had transformed from a regional monopoly into a national oligopolist with its only serious competitors being the American Telegraph Company and the United States Telegraph Company.

In 1963, Western Union organized its international cable system properties and its right-of-way for connecting international telegraph lines into a separate company called Western Union International, which it sold that year to American Securities.

The fleet of satellites, called Westar, carried communications within the Western Union company for telegram and mailgram message data to Western Union bureaus nationwide.

Most of these services were discontinued by Western Union in the late 1980s due to a lack of profitability, with the company’s divisions providing said services being divested and sold to other companies, such as the 1988 sale of WU’s satellite fleet and services to Hughes Space and Communications, and the sale of WU’s Airfone service to GTE in 1986.

The Central Bank of Ireland reprimanded and fined Western Union €1.75m in May 2015 because of failures in anti money laundering practices which could have left the firm’s payment services open to being used for money laundering and/or terrorist financing saying that they were concerned that Western Union “Failed to have in place sufficiently robust systems and procedures to train agents, to monitor and identify suspicious activity in respect of smaller transactions, and to maintain appropriate records” and “The splitting of payments into many separate smaller payments is a common method used to launder money. Similarly, terrorist financing is often carried out by small payment transfers.”

Crossmark Global Holdings Inc. Buys 80,591 Shares Of The Western Union Company

Crossmark Global Holdings Inc. grew its holdings in shares of The Western Union Company by 192.7% in the fourth quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission.

Crossmark Global Holdings Inc.’s holdings in Western Union were worth $2,184,000 at the end of the most recent reporting period.

BRITISH COLUMBIA INVESTMENT MANAGEMENT Corp increased its holdings in shares of Western Union by 12.9% in the 2nd quarter.

Amalgamated Bank increased its stake in shares of Western Union by 547.4% in the 2nd quarter.

Price T Rowe Associates Inc. MD increased its stake in shares of Western Union by 0.9% in the 2nd quarter.

Citigroup dropped their price target on shares of Western Union from $25.00 to $24.00 and set a “Buy” rating on the stock in a report on Wednesday, January 26th. TheStreet downgraded shares of Western Union from a “b-” rating to a “c+” rating in a report on Wednesday, November 24th. Finally, Bank of America cut shares of Western Union from a “Buy” rating to an “Underperform” rating and reduced their price objective for the company from $25.00 to $20.00 in a research report on Thursday, January 6th. Three analysts have rated the stock with a sell rating, six have issued a hold rating and two have assigned a buy rating to the company.

Western Union declared that its board has approved a stock buyback plan on Thursday, February 10th that permits the company to repurchase $1.00 billion in shares.

The Western Union Company, a global leader in cross-border, cross-currency money movement and payments, today announced the Company has completed the first closing of the divestiture of its Business Solutions segment to a consortium of Goldfinch Partners, LLC and The Baupost Group, LLC for approximately $910 million in cash.

In this first closing, Western Union Business Solutions, excluding the business that is operated through Western Union International Bank in the European Union and the United Kingdom, was divested.

In the second closing, which is expected to be completed in the second half of 2022, the remaining Western Union Business Solutions business will transfer.

According to the terms of the transaction, Western Union received the full proceeds from the sale in this first closing.

The Western Union Company is a global leader in cross-border, cross-currency money movement and payments.

Western Union’s platform provides seamless cross-border flows and its leading global financial network bridges more than 200 countries and territories and over 130 currencies.

Western Union connects the world to bring boundless possibilities within reach.

Western Union Business Solutions

Western Union Business Solutions remains committed to support the needs of our customers along with the health and safety of our staff during these challenging times.

The rates displayed by our free currency converter are neither “Buy” nor “Sell” rates, but interbank rates, the wholesale exchange rates between banks for transaction amounts over $5 million USD equivalent.

With Western Union you can send money worldwide in just a few clicks.

Thanks to our long history in money transfers, Western Union Business Solution is the ideal partner of large and small businesses for international payments in over 130 currencies around the world.

Our collection of useful resources, whitepapers, and industry analysis to stay up to date on the world of business money transfers and Forex.

Crowdz partners with Western Union Business Solutions to help offer SMBs fast access to capital.

I agree to receive communications about Western Union Business Solutions and third party products and services from Western Union Business Solutions by email.

Western Union

Western Union Foundation has announced its donation to support the Ukraine relief efforts to International Medical Corps, providing medical aid and supplies, mental health support and protection services to people whose lives have been torn apart.

In every refugee situation, we know those who are im…..

Short Interest In Euronet Worldwide, Inc. Expands By 35.2%

As of February 15th, there was short interest totalling 2,420,000 shares, a growth of 35.2% from the January 31st total of 1,790,000 shares.

Needham & Company LLC increased their price target on shares of Euronet Worldwide from $165.00 to $190.00 and gave the stock a “Buy” rating in a report on Friday, February 11th. Citigroup decreased their price objective on Euronet Worldwide from $178.00 to $170.00 and set a “Buy” rating on the stock in a report on Wednesday, December 1st. Zacks Investment Research lowered Euronet Worldwide from a “Hold” rating to a “Strong sell” rating and set a $120.00 price target on the stock.

In a research report on Thursday, February 17th. Finally, William Blair reiterated an “Outperform” rating on shares of Euronet Worldwide in a report on Wednesday, January 5th. One equities research analyst has rated the stock with a sell rating and six have issued a buy rating to the stock.

AQR Capital Management LLC increased its position in shares of Euronet Worldwide by 72.0% in the second quarter.

Squarepoint Ops LLC boosted its stake in shares of Euronet Worldwide by 76.7% during the second quarter.

Euronet Worldwide last released its quarterly earnings data on Thursday, February 10th. The business services provider reported $1.15 earnings per share for the quarter, missing the Zacks’ consensus estimate of $1.25 by.

Euronet Worldwide had a return on equity of 11.89% and a net margin of 2.36%. During the same quarter last year, the business posted $0.97 earnings per share.

Euronet Worldwide

Euronet Worldwide is an American provider of electronic payment services with headquarters in Leawood, Kansas.

Under the agreement, Euronet supports transaction processing services, connections to major card associations, ATM and Point of Sale device driving, card issuing, mobile recharge, bill payments, and digital wallets, among other services.

Euronet launched REN Foundation, a program that allows payment processors to add updated payment technology without having to replace existing hardware and software.

In January 2020, Euronet partnered with Standard Chartered to allow international ATM users to pay in their own currency rather than the local currency using a dynamic currency conversion service.

Euronet operates ATM outsourcing services worldwide, but the 2020 acquisition allows the company to expand its outsourcing services to the U.S. for the first time.

“The fee is the same as if you withdraw in an ATM that is physically located abroad.” Euronet states the fee is due to Danish banks not cooperating with Euronet to offer Dankort, the national debit card of Denmark, in the machine.

In January 2019, the municipality of Amsterdam announced its plans to prevent new Euronet ATMs from opening in shop facades, as Euronet “Charges a hefty fee per cash withdrawal and uses unfavorable exchange rates.”

Euronet Worldwide Inc. Stock Quote

Euronet Worldwide, Inc. engages in the provision of electronic payment and transaction processing solutions for financial institutions, retailers, service providers, and individual consumers.

The EFT Processing segment focuses on the electronic payment solutions consisting of automated teller machine cash withdrawal and deposit services, ATM network participation, outsourced ATM and point-of-sale management solutions, credit and debit card outsourcing, and card issuing and merchant acquiring services.

The Epay segment offers prepaid mobile airtime and other electronic content and payment processing services for various prepaid products, cards, and services throughout its worldwide distribution network.

The Money Transfer segment refers to money transfer services, primarily under the brand names Ria, AFEX Money Express, and IME, and global account-to-account money transfer services under the brand names HiFX and xe.

The company was founded by Daniel R. Henry and Michael J. Brown in 1994 and is headquartered in Leawood, KS..

Payments Processing And Banking Solutions

About Us. Euronet USA, LLC is headquartered in Little Rock, Arkansas, and a wholly owned subsidiary of Euronet Worldwide, Inc., a U.S. based company.

Listed on NASDAQ as EEFT, Euronet’s market capitalization is over $8 billion USD. Payment Processing.

Euronet’s expansive breadth of offerings enable financial institutions, payments processors, national switches, and merchants the ability to seamlessly facilitate issuing, acquiring, and transaction processing.

Euronet Worldwide Reports Fourth Quarter And Full Year 2021

“Our strong full year growth rates across all three segments validated our strategy to stay the course during the unprecedented challenges presented by the COVID-19 pandemic. The investments we made in our physical and digital distribution networks, our product offerings and our leading-edge technology have resulted in significant expansion of our REN implementations and new agreements as well as the exciting launch in November 2021 of our Dandelion real-time cross-border payment network. Our leading global networks, industry leading technology and our global product portfolio all contributed to our production of approximately $225 million in cash in 2021 and will continue to fuel Euronet’s growth for years to come.”

Due in large part to COVID-19-related disruptions which resulted in lower-than-expected money transfer transaction volumes on certain contracts, the Company recognized a $38.6 million non-cash contract asset impairment in the Money Transfer Segment during the fourth quarter 2021.

The full year 2020 results include impairments of goodwill and non-cash acquired intangible assets of $106.6 million.

The Company anticipates, based on recent trends, current global COVID-19 government mandates and the impacts of Omicron on the first quarter travel trends, that its first quarter adjusted EBITDA will be in the range of approximately $75 million to $85 million.

The fourth quarter results also reflect the reduction of mobile operator commissions of approximately $5.0 million, which equally reduced revenue and direct costs resulting in no impact on gross profit or operating income growth, together with the loss of a key customer which generated approximately $5.0 million annual operating profits.

Corporate and Other reports $16.1 million of expense for the fourth quarter 2021 compared with $13.5 million for the fourth quarter 2020.

For the full year 2021, Corporate and Other reports $58.1 million of expense compared with $43.1 million for the full year 2020.

We proudly present Deutsche Bank’s new, Europe-wide branch concept.

Ly/6UJ11Wir stellen vor: Das neue, europaweite Filialkonzept der Deutschen Bank.

Euronet Worldwide

Euronet Worldwide, Inc. is a global provider of electronic payment and transaction processing solutions for financial institutions, retailers etc.

Anyone got experience of using cards from sterling zone on these atms in Republic of Ireland? Would like to hear your experience.

Xoom Corporation

Xoom Corporation is an electronic funds transfer or remittance provider that allows consumers to send money, pay bills and reload mobile phones from the United States and Canada to 131 countries.

Xoom Corporation was founded in 2001 and has its headquarters in San Francisco, California.

In June 2010, Xoom was cited in a study by the Inter-American Dialogue of 79 remittance service providers as having amongst the highest consumer satisfaction ratings.

In March 2011, and in September 2012, Xoom was listed in the “Wall Street Journal’s” annual “Next Big Thing List” list of the 50 most promising venture-backed companies.

In October 2012, in a follow-up survey by the Inter-American Dialogue of 51 remittance service providers for the US to Latin America market, ranked Xoom top for fees charged and countries served.

Peter Thiel was an early investor in Xoom Corporation.

In November 2015, PayPal acquired Xoom Corporation for $25 a share, to a total of about $1.09 billion.

20 Things You Didn’T Know About Xoom Corporation

We just had to share so here are 20 things that you probably didn’t know about Xoom.

Xoom is a company that received high marks in the remittance service providers category.

Xoom was listed in their annual list called the “Next Big Thing List.” They were named as one of the fifty “Most promising venture backed companies.” This is yet another big honor that Xoom was given in March of 2011, and then again in September of 2012.

Out of the 51 service providers, Xoom was the one that was given the top score.

The addition of Xoom shored up and strengthened the existing international business services that they provided because it granted them access to the customers that were already on board with Xoom in the United States.

Xoom entered into a parnershhip with them to provide Xoom customers with cash pick up service.

We are impressed with the scope of services that Xoom provides for consumers and it’s so well connected that it’s something that everybody needs to know about.

U can still view answers to frequently asked questions or send us a message on the Xoom Help Center, though responses may take longer than usual.

In order to improve our service we’ll be conducting a scheduled site maintenance tomorrow, Nov. 10, 2018 from 9am – 4pm PST. During that time the Xoom site, and app will be down.

Send a reload without going to the store and buying a prepaid card! With Xoom, just enter your loved ones’ telephone number! #XoomReload. 1.2K views.

If you’re too busy to go to the store, switch to Xoom, a PayPal Service.

Lupe found out that with Xoom, a PayPal Service, besides being able to send money, she can also pay bills and reload mobile phones.

Xoom, a PayPal Service, introduces cash pickup to India.

Switch to Xoom, a PayPal service, and save over 75% compared to bank wire fees.

Online

Sending money online with Ria is easy, simple and secure and you can send money online from selected countries in minutes.

After opening a free account you can transfer money directly to your beneficiary’s bank account, ready for cash pickup at any of our authorized locations, or have it delivered to their door with our home delivery service in selected countries.

Keep tabs on your transfer by using our Track a Transfer tool to follow its progress at any time.

Ria Money Transfer Review: Fees, Limits And More

Ria is a convenient option for those looking to send money as a bank transfer or cash pickup.

With a network of more than 507,000 locations in over 160 countries, Ria is the third-largest provider of international money transfers worldwide.

Using Ria to transfer money internationally is not only often faster than your bank, but lower fees mean more money for your recipient.

Keep in mind that Ria money transfer agent locations can set their own limits, transfer destinations and fee schedule.

Once you have created an account with Ria, you will be able to see what fees your transfer will incur when you input your transfer details on its Send money page.

How to send money transfer online with RiaHow to find a Ria location to send money in-personHow can my recipient get the money?

There are several payment options available when funding your online money transfer with Ria.

Kroger Money Services

Save when you send money across the US and around the world with Ria and Money Services.

By partnering with Ria Money Transfer, Money Services makes it easy for you to get more for your money.

Ria Money Transfer has been in business for more than 30 years and is one of the biggest money transfer companies in the world, sending over 1 billion money transfers to date.

Through Ria, Money Services makes sending money to friends and family affordable, reliable and easy.

Choosing Ria Money Transfer at Money Services can help you save when sending money to friends and family just about anywhere in the world from a Kroger location that’s convenient for you.

Save when you send money between any participating Kroger Family of Stores within the US. If someone sent you a Ria Money Transfer, you can pick up your cash at Money Services, located in over 2,000 Kroger Family of Stores nationwide.

Search by state, city or ZIP code to find your local Money Services.

If you don’t want to receive emails from Ria, you can always follow Ria Money Transfer on Twitter, Facebook, or Instagram to stay in the know about exchange rates, Ria Money Transfer coupon codes, and exclusive offers.

It’s easy to find the information you need to save right on your newsfeed with quick links to deals on the website.

You can unfollow at anytime but you won’t want to when you are the first to know about the latest deals at Ria..

Ria Money Transfer

Ria Money Transfer is a subsidiary of Euronet Worldwide, Inc., which specializes in money remittances.

In 2006, Ria was acquired by Euronet Worldwide, Inc., becoming part of its money transfer segment together with XE. Ria began working with post offices in 2010 and on July 31, 2014, partnered with Postbank, which is owned by the Kenyan Government.

In 2014, the company launched Walmart-2-Walmart Powered by Ria, a Walmart money transfer service within the US. The service allows customers to transfer money to and from more than 4,600 stores at competitive prices.

In 2015, Ria acquired Malaysia based money transfer provider IME. In 2016, the company expanded its relationship with Walmart to Latin America and partnered with Walmart Chile to offer money transfer services through selected Líder brand supermarkets.

In 2019, Ria and Walmart partnered with Paypal’s Xoom to introduce domestic money transfer services.

The Central Bank of Nigeria listed Ria as one of their approved international money transfer operators for diaspora remittances in March 2021.

Customers can send and receive money through Ria Money Transfer’s mobile wallet network.

Evolving is very important to us at Ria Money Transfer.

We constantly add and upgrade parts of our app to make sending money easy.

We spoke to Elena, a Product Designer at Ria, to talk about what happens behind-the-scenes to create a money transfer app.

Ria Money Transfer

At Ria Money Transfer, we stand in support and solidarity with all Ukrainian citizens during this difficult time.

We understand how crucial financial support is at the moment, therefore we are waiving fees for money transfers to Ukraine and Poland.

Zero fee for all transfers to Ukraine and Poland from all Ria sending countries.