long term – Reservocation http://reservocation.com/ Tue, 12 Apr 2022 05:27:37 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://reservocation.com/wp-content/uploads/2021/07/icon-2021-07-30T111851.286-150x150.png long term – Reservocation http://reservocation.com/ 32 32 I Ditched My Least-Used Android Apps for Web Apps, and You Should Too https://reservocation.com/i-ditched-my-least-used-android-apps-for-web-apps-and-you-should-too/ Sun, 13 Mar 2022 18:03:26 +0000 https://reservocation.com/i-ditched-my-least-used-android-apps-for-web-apps-and-you-should-too/ Calvin Wankhede / Android Authority Almost every company wants you to download their app these days, even though you probably don’t need it. Take Uber and Starbucks, for example. I hail a cab and visit a cafe once in a blue moon – should these apps live on my device permanently? I suspect I’m not […]]]>

Calvin Wankhede / Android Authority

Almost every company wants you to download their app these days, even though you probably don’t need it. Take Uber and Starbucks, for example. I hail a cab and visit a cafe once in a blue moon – should these apps live on my device permanently? I suspect I’m not alone in this regard either. Many of us have apps that we rarely use but keep anyway, just in case.

But what if you don’t want to put up with one-time-use apps that drain your phone’s precious resources? It turns out that there is actually a viable alternative that many of us have turned a blind eye to: Progressive Web Apps.

Simply put, a Progressive Web App (PWA) is built using web technologies like HTML, CSS, and JavaScript. This means that you can access PWAs through most web browsers, including Google Chrome and Firefox.

Unlike a traditional website, however, you can actually install a PWA. This eliminates the annoying address bar at the top. Many modern web apps also include a splash screen, offline functionality, and support for push notifications. Take a look at the following screenshots, for example:

If I didn’t tag the images above, would you be able to tell the native app from the PWA? Probably not, unless you know what to look for. Modern web apps offer an experience arguably comparable to most full-fledged Android apps while taking up a fraction of your device’s resources.

Somewhat ironically, we’ve come full circle – the original iPhone notoriously lacked an App Store because Apple believed developers would leverage Safari to “create Web 2.0 apps that look and behave exactly like apps built into the iPhone.”

Why use web apps instead of native apps?

uber pwa web app

Calvin Wankhede / Android Authority

You might be wondering why I’m so opposed to the idea of ​​installing native apps. After all, storage isn’t exactly a concern for most of us anymore – the days of 16GB and 32GB smartphones are long behind us.

However, storage is not the only limited resource on our smartphones. Many of us also have to deal with limited mobile data and poor battery life. And if you’re still using older hardware, it probably doesn’t have as much RAM or processing headroom anymore.

PWAs address all of these issues in one fell swoop. Web applications typically target the lowest common denominator of hardware, making them extremely capable and lightweight. Uber’s Android app, for example, took up over 250MB of storage on my phone. The PWA I’ve now replaced it with only takes up 250KB. Needless to say, that’s a huge difference.

In addition to occupying less storage and background resources, web apps have fewer privileges than native apps.

Since web apps work within the confines of a browser, they have far fewer privileges than native apps. PWAs cannot access your device’s file system, contacts, or text messages. Access to hardware-level features such as camera and microphone input are also locked, requiring you to provide explicit permission.

Also, a web application cannot consume infinite resources in the background or spam you with push notifications by default. The former is particularly important for apps like Uber and Facebook, which have previously been accused of collecting geolocation data in the background. And while Android 13 is set to introduce a push notification permission dialog, app developers won’t have to comply with it until next year.

Low-end computers and laptops benefit the most from PWAs. Many budget Chromebooks still come with just 4GB of RAM, more than half of which is system reserved. I have found that disabling the Android subsystem on such devices can significantly improve responsiveness and overall user experience. Most of my frequently used apps, including Spotify, Telegram, and Slack, have PWAs that use very little memory.

In fact, Google also does this automatically. If you try to install Zoom from the Chrome OS Play Store, it will download a lightweight PWA instead of the Android app.

PWA: Google’s Instant Apps, but better?

Want instant app prompt

The idea of ​​getting app-like functionality on Android without a massive initial download isn’t exactly new.

In 2016, Google introduced Instant Apps – a way to temporarily access parts of an Android app without actually installing it. The feature works great even today, but you will rarely, if ever, use it. This is because instant apps can only be accessed through a web link or, in the case of app demos, through the Play Store. I didn’t come across a single implementation that offers to add itself to your home screen or launcher.

The vast majority of Android developers have also never added Instant Apps functionality to their apps. In fact, many early adopters like The New York Times’ Crossword and The Weather Channel seem to have disabled the feature entirely in recent updates, likely due to its limited usefulness and declining user adoption.

Google’s Instant Apps experience hasn’t been widely adopted or improved in years.

In contrast, PWAs are significantly more powerful, intuitive to use, and widely available. They’re also cross-platform, which means developers have a lot more incentive to support them long-term.

With the exception of a few non-compliant web browsers, PWAs provide the same user experience whether you’re using Windows, iOS, or Android. Historically, this level of consistency has been hard to achieve – just look to failing mobile operating systems like BlackBerry 10 and Windows Phone for proof.

How to Find and Install Web Apps on Your Device

install twitter web app from chrome

Calvin Wankhede / Android Authority

While the adoption of PWAs has grown in the past two years, discoverability remains one of its biggest issues. There is no centralized application store for the Internet (although appscope tries to get close) so that you don’t know that a particular website is a PWA until you visit it at least once. Once you find one, just accept the prompt to add it to your home screen or tap Install the app in Chrome’s overflow menu (shown above).

Keep in mind that PWAs sometimes receive less priority and attention than their native counterparts. Twitter’s web app, for example, still doesn’t let you access Spaces, the platform’s new audio chat feature. (Editor’s note: It can count as a bonus, actually.) Instagram’s app also has similar benefits. That said, if you only need the basic features of these platforms, you’ll be more than happy with their respective PWAs.

Don’t get me wrong, though. PWAs can be incredibly powerful if developers are motivated enough. Take PhotoPea, for example. It’s an advanced image editor that manages to offer similar functionality to Gimp and Photoshop while running entirely in your browser. You can also launch and use it without an internet connection, which is handy if you’re another Chromebook user.

Installing a PWA only takes a few clicks and seconds.

I leave you with a quick list of PWAs that I have installed on my devices. Unfortunately, Android doesn’t allow web apps to play audio in the background, so some like Spotify can only be used on desktop platforms like Chrome OS.

]]>
25% of U.S. lenders prepare online for less risky payday loans post-pandemic https://reservocation.com/25-of-u-s-lenders-prepare-online-for-less-risky-payday-loans-post-pandemic/ Tue, 08 Mar 2022 19:38:08 +0000 https://reservocation.com/25-of-u-s-lenders-prepare-online-for-less-risky-payday-loans-post-pandemic/ Payday lenders who have suffered the severe consequences of the pandemic are anxiously awaiting the end of most government programs in the United States. Those who follow the industry say high cost loans can never be fully paid off. Since 2020, the federal government has increased unemployment benefits, federal stimulus payments and evictions. In fact, […]]]>

Payday lenders who have suffered the severe consequences of the pandemic are anxiously awaiting the end of most government programs in the United States. Those who follow the industry say high cost loans can never be fully paid off.

Since 2020, the federal government has increased unemployment benefits, federal stimulus payments and evictions. In fact, the number of loans no credit check guaranteed approval dropped in some states more than 45%. The situation is not about to change in the near future.

The story gets even more complicated as Americans have used much of their savings to pay off their debts. They do this primarily to protect a solid monthly child tax credit. Additionally, regulatory scrutiny is likely to tighten under the Biden government.

Turbocharged Trends Experienced by Online Payday Loans

Online payday loans are meant to prepare for a shift in customer preferences. Since 2019, small dollar loan volumes have declined significantly. If customer demand is lower, direct lenders tend to verify customer needs.

Company for the traditional payday lenders offers 400% annual percentage rates on loans, high fees and small payment plans. It has been attractive to everyone nationwide. But the pandemic has amplified these trends.

Payday loans are available in Alabama, Michigan, North Dakota, Washington, and Wisconsin. Since 2020, this type of service is provided at 40% and 60%. As for the low points, the federal distribution is associated with stimulus payments. According to Veritec Solutions, a data provider collates data from state regulators.

And the California Department of Financial Protection and Innovation reported a 40% drop in payday loans granted in 2020 compared to 2019 levels, and a 30% drop in payday customers. There is a movement towards long-term installment products that oppose short-term payment. It’s a popular opinion voiced by top executives at big projects like the Pew Charitable Trusts Consumer Finance.

Alliance members in government posted obvious declines in their payday loan products and other short-term loans. Despite good volumes of payments and check remittances, people are visiting stores to receive some assistance.

Even online, high cost installment lenders hasn’t necessarily seen a huge increase in business during the pandemic. Just look at the services provided by two of the biggest online lenders, Elevate Credit and Enova International. They announced an increase in profits in 2020. In the meantime, they did not confirm any growth in loans. Both companies reported a significant drop in charges. Does this mean anything unusual to you? They suffered fewer losses on their business loans. It has to do with a wide range of factors, including current social and economic situations around the world.

How can average Americans benefit from these stories? They can access financial volumes anywhere in the world. They can borrow them and use them for personal and professional purposes. Moreover, they can use them in both short and long time frames.

More Money, Less Online Payday Loans

The government creates a direct economic environment. It demonstrates the biggest drop in in-store payday loans when stimulus checks go to people Bank accounts. The Federal Reserve Bank of New York reports that 37% of Americans are committed to using stimulus payments to cover their debts.

Are there still issues? What do you need to know? The future turns out to be quite bleak. Financial aid is not enough. Due to the pandemic, there is an increase in areas with low vaccination rates. Opponents of high costs fear that people will come back to them.

Along with pandemic relief, the federal government has increased a child tax credit of up to $300 per child. The credit is set to expire by the end of the year. President Joe Biden wants to continue for the next five years. Democrats expect to expand the program in the budget reconciliation bill.

]]>
Protecting our people and future generations: Water and climate leaders call for urgent action https://reservocation.com/protecting-our-people-and-future-generations-water-and-climate-leaders-call-for-urgent-action/ Tue, 08 Mar 2022 13:02:00 +0000 https://reservocation.com/protecting-our-people-and-future-generations-water-and-climate-leaders-call-for-urgent-action/ Better data is needed for better decision making Geneva, 8 March 2022 (WMO) – Leaders of the Water and Climate Coalition have called for more urgent and united action “to protect our people and future generations” in the face of alarming new scientific evidence of the Intergovernmental Panel on Climate Change growing global threats to […]]]>

Better data is needed for better decision making

Geneva, 8 March 2022 (WMO) – Leaders of the Water and Climate Coalition have called for more urgent and united action “to protect our people and future generations” in the face of alarming new scientific evidence of the Intergovernmental Panel on Climate Change growing global threats to water availability and water-related risks.

Around half of the world’s population currently experiences severe water scarcity for at least part of the year and this is expected to worsen as climate change alters rainfall patterns with consequences across the cycle. some water. The impacts of hydrological changes due to retreating glaciers and thawing permafrost are approaching the point of no return.

Only 0.5% of the water on Earth is usable and available as fresh water. But over the past 20 years, the Earth’s water storage – all water above and below ground, including soil moisture, snow and ice – has dropped to a rate higher than the total human water consumption per year. This has huge ramifications for future water security, given population growth and environmental degradation.

“We are leading the way in rethinking how our societies and economies are best resilient to climate change. Improving the way we use water is a pathway to developing food security, protecting health and livelihoods, promoting the just transition to clean energy, building smart cities for water and climate, protecting the environment, build resilient economies, help the world achieve the SDGs and achieve global climate commitments,” said the Water and Climate Coalition Leaders in a call to action.

Recognizing that “we can’t manage what we don’t measure”, Coalition for Water and Climate leaders also pledged to build a global water information system to fill the gaps when it comes to reliable data and actionable information.

“We need data to understand how climate change is affecting our water systems; to understand where, how much and in what quality water is and will be available. We need information to know where and how our actions can best support our access to the precious resource and protect us from water-related hazards and disasters. Data is also essential for smart decision-making,” the call to action said.

“Yet there are major shortcomings; data is scattered, inconsistent and incomplete.

Leaders of the Water and Climate Coalition include high-level representatives from countries vulnerable to melting glaciers, floods and drought, as well as UN and development agencies, business, civil society and youth. The distinguished panel is responsible for providing strategic guidance on integrating the water and climate agendas and accelerating progress towards the Sustainable Development Goals.

Water-related impacts, adaptation and vulnerability

New IPCC report on climate change 2022: impacts, adaptation and vulnerability shows the scale of the looming water crisis and the immense challenges for water management.

Water availability from melting snow – a major source of irrigation in some parts of the world – is projected to decrease, while predicted global glacier mass loss will reduce water availability for agriculture, l hydroelectricity and human settlements in the medium and long term.

Changes in magnitude, timing and extremes associated with river flow are expected to negatively impact freshwater ecosystems in many watersheds. Direct flood damage will increase in magnitude with every fraction of a degree increase in temperature.

According to the IPCC report, adaptation to water-related risks and impacts constitutes the majority of all documented climate change adaptation policies. But he warns of the risk that poorly managed adaptation measures could be counterproductive – for example, poorly managed irrigation projects could reduce the risk of drought, but also accelerate the depletion of groundwater and other water sources and increase soil salinization.

Call to action:

Faced with growing challenges and the urgency to act, Water and Climate Leaders call for:

  • An integrated approach to water and climate – Recognizing the role of water for informed decision-making in climate change mitigation and adaptation actions.
  • International support to improve water data and information for a climate-ready world – Work together to operationalize a global water information system that provides status, assessment and insights for decisions smart about climate and water.
  • Partners to join us in the implementation-Accompanying solutions for informed decision-making: a water and climate inventory, an information mechanism on the cryosphere, a new financing logic, local commitment and watershed cooperation.
  • Recognize the need to protect glaciers – Understand the role of glaciers as one of the most critical sources of fresh water and join forces to preserve these resources through an International Year of Glacier Preservation 2025.

Remarks:

The “Water and Climate Leaders” are a panel of eminent representatives of UN members, civil society and the private sector, invited by WMO Secretary-General Petteri Taalas and President on water, Gilbert Houngbo.

The Water and Climate Coalition seeks to accelerate progress towards Sustainable Development Goal 6 (water and sanitation) with a concrete action mechanism as the world falls far short of ensuring water resilient adaptation to climate change as well as demographic and socio-economic development for the future.

The World Meteorological Organization is the authorized voice of the United Nations system

about weather, climate and water

/Public release. This material from the original organization/authors may be ad hoc in nature, edited for clarity, style and length. The views and opinions expressed are those of the author or authors.View Full here.

]]>
Payday loans: what are they and how do they work? https://reservocation.com/payday-loans-what-are-they-and-how-do-they-work/ Fri, 04 Mar 2022 11:45:26 +0000 https://reservocation.com/payday-loans-what-are-they-and-how-do-they-work/ If you are interested in a short-term loan solution, perhaps even for a small amount of money, then you might find it worth looking into payday loans. Like any other loan product, a payday loan involves borrowing money from a business and paying it back with interest. But these loans work a little differently than […]]]>

If you are interested in a short-term loan solution, perhaps even for a small amount of money, then you might find it worth looking into payday loans. Like any other loan product, a payday loan involves borrowing money from a business and paying it back with interest.

But these loans work a little differently than other loan products. These loans are designed to be:

  • Arranged and Approved Briefly
  • Used when you only need to borrow smaller
  • Used to borrow for shorter

These loans are generally used for short-term bridge financing. A standard loan, such as a secured home loan or an unsecured loan, can take weeks to arrange and may come with a higher loan limit than you might need. These types of loans tend to be designed to allow people to borrow more money over the years.

Payday loans, however, work more on the cash advance principle. You may, for example, need a few $100 to tide you over until you get paid. You may be short on cash and have an unexpected bill to pay, or you may need quick access to cash right away.

These loans get their name from the fact that they give you a cash advance until you get paid. Used correctly, they are intended to give you almost immediate access to a small loan for a few days or a few weeks. Typically, when you take out a payday loan, your repayment term is set for your next payday.

So, if you take out this type of financing, you will generally find that:

  • You can borrow a small amount with just a quick loan
  • Your loan application can be processed and paid to you remarkably quickly (i.e., sometimes within 2 hours).
  • You pay off the loan later, so you don’t have long-term debt to weigh you down.

It can be essential to think about how these loans are supposed to work before applying. It can be a great way to get a quick and easy cash injection when you need it. But, if you don’t pay it back when you’re supposed to, interest charges can be a problem.

Because of how payday loans work, their fees can be much higher than standard loan fees. However, this may not be a problem if used correctly. Paying off what you borrow on time and not rolling over your debt or continuing to borrow can make this a viable loan solution for you.

How do instant payday loans work?

If you’ve taken out a standard loan before, you might already know that it can be a long and tedious process. You may have to wait weeks to find out if a lender is willing to let you borrow, and it may take years to pay off what you owe. Instant payday loans, however, are designed to be very different.

This is not a review of regular loans. They’re just designed to work differently. Payday loans are based on an alternative system of cash advances and can work very well on completely opposite principles to other loans. For example, they can:

  • Grant you a loan for a small amount of
  • Enable you to get the money you need virtually
  • Don’t put you through endless credit checks and approvals
  • Get paid back in weeks (or even days) with a fixed amount of interest added on your next payment

Let’s be honest now. You may have learned that payday loans have high interest rates (here’s CreditNinja’s take on interest-free loans). This is perhaps not so surprising considering the benefits they can bring to you. They can sometimes cost more, but you usually won’t suffer if you manage your loan properly. By repaying what you borrow when it comes due, you are simply paying a fixed amount in addition to your loan amount.

Failing to repay like you’re supposed to, however, may be when this type of solution costs more. But, if you use Instant Payday Loans in the right way, that may never be a problem. For many, the advantages of this type of short-term cash advance far outweigh the disadvantages.

You may not have to go through a lengthy credit approval process for this type of loan, but you may need to check some boxes before you can apply. The criteria established by a payday loan company may vary, but generally you may need to:

  • Work full time.
  • Earn more than a minimum amount each
  • Have a bank account with a debit

Instant payday loans may well be a quick and easy loan solution for those who only need a small loan for a short period of time. These loans can be an alternative to consider if you ever find yourself in this situation.

Why do people use a payday loan?

Needing to borrow money does not always mean taking out a large loan for a long period of time. Sometimes you may need a smaller loan just to get you through a few weeks or even days. This is where a payday loan can come in handy.

There are many different reasons why consumers choose to use a short-term loan over the more complicated or longer-term standard loans. For example, you may need to borrow a smaller amount for a shorter period because you:

  • Bring in an unexpected bill
  • You have to pay for something you didn’t do
  • Having a busy month of expenses and needing a little extra cash to tide you over
  • Find a good deal that you need money for immediately to buy it, but you don’t have spare money until you get it next time

A payday loan is unlike other types of loans in many ways. This type of loan is more designed to help you:

  • Borrow smaller sums (i.e. hundreds rather than thousands of pounds).
  • Get a loan in 24 hours or
  • Bypass standard loan approval and waiting procedures
  • Borrow money that you can then pay back the next time you get

This type of loan is suitable for many people who need to borrow money, but find that their loan needs do not match traditional lending methods. Say, for example, you see a discounted vacation deal that’s only available for a few days. If you do not get a deposit by then, the offer will be closed.

You may not have the money available now. You may be a few weeks away from your next payday when you will have access to the deposit money. But you might not be able to get a bank to lend you the small amount you need, and they doubt they’ll approve a loan on time anyway.

A payday loan may be an alternative to consider. It could give you the money you need in a day. All you have to do then is pay back what you borrow plus the interest charges charged, and you’ll be sorted.

]]>
Ballot proposal would cap ‘predatory’ interest rates for payday loans https://reservocation.com/ballot-proposal-would-cap-predatory-interest-rates-for-payday-loans/ Wed, 23 Feb 2022 20:50:00 +0000 https://reservocation.com/ballot-proposal-would-cap-predatory-interest-rates-for-payday-loans/ LANSING, MI — A polling committee is busy asking a question about the November ballot that would prevent payday lenders from charging “predatory” interest rates if approved by voters. The Michiganders for Fair Lending campaign officially launched its petition-raising effort Wednesday to cap high interest rates on payday loans, payday loan advocates say are creating […]]]>

LANSING, MI — A polling committee is busy asking a question about the November ballot that would prevent payday lenders from charging “predatory” interest rates if approved by voters.

The Michiganders for Fair Lending campaign officially launched its petition-raising effort Wednesday to cap high interest rates on payday loans, payday loan advocates say are creating a cycle of indebtedness that is becoming impossible to escape. . The group said it wants to change the current payday loan landscape to one that provides access to small loans to those in need, not a debt trap.

“Payday lenders are targeting Michigan’s most vulnerable communities by offering quick cash that traps people in an endless cycle of debt with outrageously high interest rates,” said Michiganders spokesman Josh Hovey. for Fair Lending.

“State lawmakers have been urged for years to end predatory lending practices. People harmed by these loans cannot afford to wait any longer. That’s why we’re putting the issue directly to voters in November. »

In Michigan, the typical payday loan carries the equivalent of a 370% annual percentage rate (APR). The Michiganders for Fair Lending proposal would cap payday loans at a maximum of 36% APR.

Payday loans are marketed as short-term, but the vast majority of borrowers are caught in a cycle of long-term debt, say fair lending advocates. About 70% of Michigan payday borrowers borrow again the same day they repay a previous loan, according to a Consumer Financial Protection Bureau study. The same study found that the average payday loan borrower ends up taking out 10 loans over the course of a year.

Michigan Attorney General Dana Nessel describes a payday loan as a short-term, high-cost transaction where customers borrow money for a service fee. Michigan law calls this type of loan a “delayed presentment service transaction” because the customer’s check is held for a period of time before being cashed. Loans are not like car payments because borrowers are unable to make installment payments.

Payday loans have high service fees and a short repayment period. For example, a customer who borrows $100 for two weeks and is charged $15 will pay a service fee equal to a three-digit APR. The actual cost of the two-week loan is $15, which equates to an APR of 391%. And that still doesn’t include additional fees for “eligibility checks” or processing.

Payday loan shops often allow customers unable to repay the loan to take out a second payday loan to pay off the first. Service charges can lead the customer into a cycle of debt.

“It’s a slippery slope,” Nessel said in a process-focused consumer alert.

Fair lending advocates say payday loan shops are unquestionably predatory. Stores are deploying manipulative tactics and engaging customers in a process that creates a cycle of debt that traps people in poverty, Hovey said.

“Stopping predatory lending is an issue in Michigan that resonates across all parties, geographies, age and income levels. Even in today’s divisive climate, this is an issue the vast majority of people can agree on,” said Jessica AcMoody, director of policy at the Community Economic Development Association of Michigan.

“Lenders know they are getting their money because they have direct access to the borrower’s bank account and can get their own money back before the borrower can pay rent, utilities or food. With no funds left over for basic living expenses, guess what happens? You guessed it. The borrower returns to take out another loan,” AcMoody said.

Gabriella Barthlow, a financial coach with the Macomb County Veterans Service, said she’s seen the predatory payday loan process play out with the veterans she works with. Military veterans are particularly vulnerable to predatory lending, Barthlow said.

“As a targeted community for predatory lending, it’s critical that veterans understand the risk associated with payday loans and the importance of a 36% interest rate cap,” Barthlow said.

The 36% APR cap used by many states is similar to the National Military Loans Act, which sets consumer credit protections for active military members. Congress passed the law in 2006 after the military found payday lenders setting up stores near military bases.

Dallas Lenear of Project Green, a Grand Rapids-based financial education nonprofit, said he was motivated to help try to change the laws after hearing first-hand stories about interest rates. excessive that trapped people in financial ruin.

“Payday lenders are exploiting our most vulnerable communities and neighbors without consumer protections,” said Dallas Lenear of Project Green in Grand Rapids. “People go to payday lenders because they feel they have no other choice. They get stuck in quicksand that imprisons them for months and sometimes years.

Payday lenders also disproportionately locate their stores in communities of color. Statewide, there are 5.6 payday loan stores per 100,000 residents. That number is 25% higher in majority black communities, Lenear said.

Michigan would join 18 other states and Washington DC that have set a payday loan rate limit of 36% APR or less. Voters in Nebraska, Colorado, South Dakota and Montana passed per-vote payday loan rate caps that all got more than 70% voter approval.

ALSO ON MLIVE:

Read petitions before signing them, group warns

Betsy DeVos says ballot initiative would allow parents to ‘take control’ of Michigan education

Petition for a “voucher” school scholarship system approved by the state board

]]>
City of Columbia, MO Launches MyMeter® https://reservocation.com/city-of-columbia-mo-launches-mymeter/ Tue, 22 Feb 2022 11:02:11 +0000 https://reservocation.com/city-of-columbia-mo-launches-mymeter/ My Counter We are pleased to have both a strong relationship with the Columbia team and now a strong partnership SAINT PAUL, MN (PRWEB) February 22, 2022 “We wanted to provide our customers with a state-of-the-art digital service option,” said Matt Nestor, utility information specialist at Columbia, “in our assessment, MyMeter is the best […]]]>

My Counter

We are pleased to have both a strong relationship with the Columbia team and now a strong partnership

“We wanted to provide our customers with a state-of-the-art digital service option,” said Matt Nestor, utility information specialist at Columbia, “in our assessment, MyMeter is the best platform for offer that.”

“If it helps them save energy and water and save on their bills, we think that’s a good thing for us and for the customers, we think our customers are going to like the new portal” , continued Nestor.

Advanced Utility Systems’ CIS Infinity is Columbia’s Customer Information System (CIS). MyMeter is designed to integrate with any utility CIS, to deliver world-class digital customer service seamlessly on mobile and desktop devices.

“CIS Infinity offers great flexibility to meet the needs of different utility use cases. This requires the standard integration between MyMeter and CIS Infinity to be as flexible and configurable to meet the unique needs of each utility. It was a pleasure to work on this setup with the Columbia team to have another point of proof of our standard integration. We are pleased to have both a strong relationship with the Columbia team and now a strong partnership,” said Keith Ahonen, COO for Accelerated Innovations.

Hari Subramaniam, Executive Vice President of Advanced Utility Systems, adds, “Our partner ecosystem benefits our customers by giving them the ability to create a complete solution that best meets their needs. Colombia is a perfect example. We are excited that Columbia can leverage MyMeter and CIS Infinity as complementary solutions that together improve customer experience, streamline business processes, and manage revenue more robustly as a joint solution.

About MyMeter:

MyMeter, a fully hosted software solution, is the consumer engagement portal for 108 electric, water and gas utilities across North America, offering a full suite of self-service features ranging from analysis and comparison of tariffs to failure and leak notifications and full payment of invoices. MyMeter is a product of Accelerated Innovations, LLC.

About Advanced and Harris:

Advanced is a wholly owned subsidiary of Harris Computer Systems that provides customer information and billing solutions exclusively to municipal, investor-owned and cooperative utilities. Harris is a leading provider of financial management and customer information systems (CIS) software solutions. Since 1976, Harris has focused on providing robust, feature-rich, turnkey solutions to all levels of local government as well as electric and water utility markets across North America. . Harris’ goal is to build long-term relationships with clients and ensure they meet changing client needs over time. For more information, please visit http://advancedutility.com/or call 1-888-355-7772.

Share the article on social networks or by e-mail:

]]>
Facebook employees will be called Metamates; this is how the internet reacted https://reservocation.com/facebook-employees-will-be-called-metamates-this-is-how-the-internet-reacted/ Wed, 16 Feb 2022 07:39:28 +0000 https://reservocation.com/facebook-employees-will-be-called-metamates-this-is-how-the-internet-reacted/ Employees of Meta (formerly Facebook) will now be known as Metamates instead of Facebookers. The development was confirmed by Meta CEO Mark Zuckerberg in a Facebook post. Zuckerberg has introduced a new motto for the company which reads “Meta, metamates, me”. Zuckerberg said in a Facebook post, “Meta, Metamates, Me is about being good stewards […]]]>

Employees of Meta (formerly Facebook) will now be known as Metamates instead of Facebookers. The development was confirmed by Meta CEO Mark Zuckerberg in a Facebook post. Zuckerberg has introduced a new motto for the company which reads “Meta, metamates, me”.

Zuckerberg said in a Facebook post, “Meta, Metamates, Me is about being good stewards of our business and our mission. It’s about the sense of responsibility we have for our collective success and for each other as teammates. It’s about taking care of our business and others. Ultimately, values ​​are not what you write on a website, but what we hold each other accountable to every day. I encourage you to reflect on these values ​​and what they mean to you as we begin to work on this next chapter for our business. »

The Meta website also says other things among the company’s six core values ​​are moving fast, focusing on long-term impact, building awesome things, living in the future, and being direct. and respectful to your colleagues.

The Meta boss also said that the term Metamates was given by the famous American author and cognitive scientist Douglas Hoftstadter after a Meta employee sent him a cold email for ideas after Facebook’s rebranding. as Meta.

Shortly after this news hit the headlines, netizens wondered if they could pronounce Metamates like Socrates. Some others have also shared absolutely tickling memes on the same topic.

Here’s how the internet reacted to Zuckerberg’s new announcement

(With contributions from Ankita Chakravarti)

]]>
In-vehicle Entertainment and Information Systems Market Size, Value, CAGR, Analysis https://reservocation.com/in-vehicle-entertainment-and-information-systems-market-size-value-cagr-analysis/ Thu, 10 Feb 2022 09:35:07 +0000 https://reservocation.com/in-vehicle-entertainment-and-information-systems-market-size-value-cagr-analysis/ New Jersey, United States,- in-vehicle entertainment and information systems market Research offers you all the data related to your industry size, general operating models and growth potential. It talks about the characteristics of customers in a specific industry. It also shows how the COVID-19 pandemic is having serious economic consequences around the world. This market […]]]>

New Jersey, United States,- in-vehicle entertainment and information systems market Research offers you all the data related to your industry size, general operating models and growth potential. It talks about the characteristics of customers in a specific industry. It also shows how the COVID-19 pandemic is having serious economic consequences around the world. This market research report further reveals how to mitigate these severe impacts on society.

This in-depth market research provides an overview of key industries contributing to market growth. It also shows mergers and acquisitions between startups, as well as the strategies, product launches and affiliations of major competitors. Market companies are increasingly making efforts to adopt new technologies to gain a competitive advantage in the face of fierce market competition. Most companies are constantly on the lookout for new breakthroughs, acquisitions, long-term agreements and technological developments to maintain their position in the market. This in-depth report on In-Vehicle Entertainment and Information Systems Market will greatly help the industry to identify major threats and potentials. It also includes a detailed SWOT analysis and cost structure view. It also covers important facts about various technologies along with product improvements in the market.

Get Sample Full PDF Copy of Report: (Including Full TOC, List of Tables & Figures, Chart) @ https://www.verifiedmarketreports.com/download-sample/?rid=503368

This In-vehicle Entertainment and Information Systems Market analysis acts as a resourceful medium to provide businesses with crucial data on the crucial advancements and market strategies. Making the right investments is also easy with this easy-to-understand market research report. Big companies will greatly benefit from such informative market analysis to survive in the market and secure their place in the market. The effective business strategies provided here help the business players leverage their market presence. It also includes the forecast competitive assessment for the period 2022-2029.

Key Players Mentioned in the In-vehicle Entertainment and Information Systems Market Research Report:

Harman International, Denso, JVC Kenwood, Delphi Automotive, Alpine Electronics, Pioneer, TomTom, Blaupunkt

Segmentation of the in-vehicle entertainment and information systems market:

By Product Type, the market is primarily split into:

• Rear view camera
• Navigation unit
• Audio unit
• Video unit

By application, this report covers the following segments:

• Navigation
• Telematics
• Entertainment

Get a discount on the purchase of this report @ https://www.verifiedmarketreports.com/ask-for-discount/?rid=503368

Scope of the In-vehicle Entertainment and Information Systems Market Report

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

Geographic segment covered in the report:

The In-vehicle Entertainment and Information System report provides information on the market area, which is sub-divided into sub-regions and countries/regions. In addition to the market share in each country and sub-region, this chapter of this report also contains information on profit opportunities. This chapter of the report mentions the market share and growth rate of each region, country and sub-region over the estimated period.

• North America (USA and Canada)
• Europe (UK, Germany, France and rest of Europe)
• Asia-Pacific (China, Japan, India and the rest of the Asia-Pacific region)
• Latin America (Brazil, Mexico and rest of Latin America)
• Middle East and Africa (GCC and Rest of Middle East and Africa)

Answers to key questions in the report:

1. Who are the top five in-vehicle entertainment and information system market players?

2. How will the in-vehicle entertainment and information systems market evolve in the next five years?

3. Which products and applications will occupy the lion’s share of the in-vehicle entertainment and information systems market?

4. What are the drivers and restraints of the In-vehicle Entertainment and Information System Market?

5. Which regional market will show the strongest growth?

6. What will be the CAGR and size of the in-vehicle entertainment and information system market throughout the forecast period?

For more information or query or customization before buying, visit @ https://www.verifiedmarketreports.com/product/in-car-entertainment-and-information-system-market-size-and-forecast/

Visualize the in-vehicle entertainment and information systems market using verified market intelligence:-

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

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

Visualize the in-vehicle entertainment and information systems market using VMI@ https://www.verifiedmarketresearch.com/vmintelligence/

Most Popular Reports

Global Networking Devices Market Size and Forecast

Global HVAC Sensors and Controllers Market Size and Forecast

Global Hybrid Devices Market Size and Forecast

Global in-vehicle entertainment and information systems market size and forecast

Global Industrial Control System Market Size and Forecast

Global Industrial Cybersecurity Solutions and Services Market Size and Forecast

Global Plastics Recycling Market Size and Forecast

Global Oxygen Supply Market Size and Forecast

Global Waste Management Market Size and Forecast

Global Water and Wastewater Treatment Technologies Market Size and Forecast

About Us: Verified Market Reports

Verified Market Reports is a leading global research and advisory company serving over 5000 global clients. We provide advanced analytical research solutions while delivering information-enriched research studies.

We also provide insight into the strategic and growth analytics and data needed to achieve business goals and critical revenue decisions.

Our 250 analysts and SMEs offer a high level of expertise in data collection and governance using industry techniques to collect and analyze data on over 25,000 high impact and niche markets. Our analysts are trained to combine modern data collection techniques, superior research methodology, expertise and years of collective experience to produce informative and accurate research.

Our research spans a multitude of industries, including energy, technology, manufacturing and construction, chemicals and materials, food and beverage, and more. Having served many Fortune 2000 organizations, we bring a wealth of reliable experience that covers all kinds of research needs.

Contact us:

Mr. Edwyne Fernandes

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

E-mail: sales@verifiedmarketreports.com

Website: – https://www.verifiedmarketreports.com/

]]>
Euro area securities issues statistics: December 2021 https://reservocation.com/euro-area-securities-issues-statistics-december-2021/ Thu, 10 Feb 2022 09:11:22 +0000 https://reservocation.com/euro-area-securities-issues-statistics-december-2021/ February 10, 2022 Debt securities New issues of debt securities by euro area residents amounted to €483.6 billion in December 2021. Redemptions amounted to €589.6 billion and therefore net redemptions to 106, 0 billion euros. The annual growth rate of outstanding debt securities issued by euro area residents stood at 5.0% in December 2021, compared […]]]>

February 10, 2022

Debt securities

New issues of debt securities by euro area residents amounted to €483.6 billion in December 2021. Redemptions amounted to €589.6 billion and therefore net redemptions to 106, 0 billion euros. The annual growth rate of outstanding debt securities issued by euro area residents stood at 5.0% in December 2021, compared with 5.1% in November.

Debt securities data

Chart 1

Debt securities issued by euro area residents

(annual growth rates)

Breakdown by maturity

The annual rate of change of outstanding short-term debt securities stood at -7.1% in December 2021, from -8.0% in November. For long-term debt securities, the annual growth rate stood at 6.1% in December 2021, compared to 6.3% in November. The annual growth rate of outstanding long-term fixed-rate debt securities decreased from 7.0% in November 2021 to 6.7% in December. The annual growth rate of outstanding floating rate long-term debt securities increased from 2.4% in November 2021 to 3.3% in December.

Breakdown data by maturity

Breakdown by sector

Looking at the sectoral breakdown, the annual growth rate of outstanding debt securities issued by non-financial corporations stood at 5.1% in December 2021, compared with 4.9% in November. For the monetary financial institutions (MFIs) sector, this growth rate was 2.1% in December 2021, compared to 2.2% in November. The annual growth rate of outstanding debt securities issued by financial corporations other than MFIs decreased from 7.0% in November 2021 to 6.7% in December. For general government, this growth rate is 5.8% in December 2021, compared to 5.7% in November.

The annual rate of change in the outstanding amount of short-term debt securities issued by MFIs decreased from -2.6% in November 2021 to -4.2% in December. The annual growth rate of the amount outstanding of long-term debt securities issued by MFIs was 2.9% in December 2021, compared with 2.8% in November.

Breakdown data by sector

Breakdown by currency

Regarding the breakdown by currency, the annual growth rate of outstanding euro-denominated debt securities stood at 5.8% in December 2021, compared to 5.6% in November. For debt securities denominated in other currencies, this growth rate fell from 1.4% in November 2021 to 0.3% in December.

Data for currency breakdown

Listed shares

New issues of listed shares by euro area residents amounted to €21.6 billion in December 2021. Redemptions amounted to €10.7 billion and therefore net issues to 10, 9 billion euros. The annual growth rate of outstanding quoted shares issued by euro area residents (excluding valuation effects) stood at 1.9% in December 2021, unchanged from November. The annual growth rate of quoted shares issued by non-financial corporations stood at 1.1% in December 2021, unchanged from November. For MFIs, the corresponding growth rate fell from 2.0% in November 2021 to 1.7% in December. For financial corporations other than MFIs, this growth rate stood at 5.8% in December 2021, compared with 5.6% in November.

Chart 2

Listed shares issued by euro area residents

(annual growth rates)


The market value of outstanding listed shares issued by euro area residents amounted to €10,314.4 billion at end-December 2021. Compared to €8,442.0 billion at end-December 2020 , this represents a 22.2% annual increase in the value of the listed stock in December 2021, compared to 21.7% in November.

Data for listed shares

For any questions, please use the Request for statistical information form.

Remarks:

  • Unless otherwise stated, data refer to unadjusted statistics. In addition to developments for December 2021, this statistical release incorporates minor revisions to data for previous periods. Annual growth rates are based on the financial transactions that occur when an institutional unit incurs or redeems liabilities, they are not affected by the impact of any other changes that do not result from transactions.
  • Hyperlinks in the main body of the statistical release and in the tables in the appendix lead to data that may change with subsequent releases as a result of revisions. The figures presented in the tables in the appendix are a snapshot of the data at the time of current publication.
  • The next statistical release on euro area securities issues will be published on 10 March 2022.
]]>
Is San Antonio FloatMe a Safer Alternative to Payday Loans? https://reservocation.com/is-san-antonio-floatme-a-safer-alternative-to-payday-loans/ Mon, 07 Feb 2022 22:56:22 +0000 https://reservocation.com/is-san-antonio-floatme-a-safer-alternative-to-payday-loans/ FloatMe, a San Antonio tech startup that provides cash advances to workers on their next paycheck, said it raised $16.2 million from investors in its most recent fundraising round. Overall, the startup has raised $49.1 million in funding since June 2019, including $25 million in debt funding, according to Crunchbase, which tracks investments in tech […]]]>

FloatMe, a San Antonio tech startup that provides cash advances to workers on their next paycheck, said it raised $16.2 million from investors in its most recent fundraising round.

Overall, the startup has raised $49.1 million in funding since June 2019, including $25 million in debt funding, according to Crunchbase, which tracks investments in tech companies. FloatMe’s new investors include Iowa-based Active Capital and ManchesterStory.

“We’ve been under the radar,” FloatMe co-founder and president Joshua Sanchez said. “The funding is validation that we have grown significantly and allows us to expand.”

However, he declined to say how many customers use the app.

FloatMe, with 60 employees and an office in downtown Soledad Street, is part of a wave of online and mobile cash advance companies gaining traction during the coronavirus pandemic. They compete with payday lenders who sell high-interest loans to largely low-wage workers, a disproportionate share of whom are black and Hispanic.

FloatMe’s service is similar to financial technology, or fintech, offerings from companies such as Moneylion, Earnin and Dave.

Like its biggest rivals, FloatMe says it offers customers payday cash advances, not loans.

Customers pay a monthly fee of $1.99 and can request small advances – no more than $50 – which they repay when their next paychecks hit their bank accounts.

The startup’s terms of service state that users must be US citizens at least 18 years old and have a cell phone and email address. To create an account, customers authorize the company to access their bank account balance and transaction history.

They must also prove that they have received at least $200 in electronic payroll deposits three times before they can apply for advances.

FloatMe CEO Josh Sanchez markets his company as an alternative to payday lenders.

Jessica Phelps

Once approved, users can receive their advances through an automated transfer from the clearing house to their bank accounts in one to three business days. Or they can pay $4 for an “instant” money deposit within eight hours.

Fees for faster access to cash advances have caught the attention of industry watchdogs. Many workers who apply for cash advances are in financial straits and need money fast.

“This type of fee would be voluntary, but really adds up for consumers,” said Yasmin Farahi, senior policy adviser at the Center for Responsible Lending, a North Carolina-based nonprofit policy and research group.

FloatMe users can also receive offers from third-party companies for money management services or products — if they choose, according to the startup.

According to the terms of service: “In all cases, you will need to register to receive these offers from partners, and FloatMe may receive compensation from these partners for referring you to them. FloatMe is not responsible for the products and services offered by these partners.

Payday debt traps

The federal Consumer Financial Protection Bureau describes a payday loan as “a short-term, high-cost loan, typically $500 or less, that is usually due on your next paycheck.” Loans are available in storefronts and online.

If borrowers do not repay their loans on time or at all, lenders can withdraw money from their bank accounts, sometimes resulting in overdraft fees. Payday lenders also sometimes send collection agencies after delinquent borrowers.

Payday loans have long been a big business in Texas.

The Center for Responsible Lending analyzed average annual percentage rates, or APRs, for a $300 loan with 14-day repayment periods in each state. Data shows Texans can pay up to 664% APR — the highest in the nation — because the state has no interest rate caps to protect borrowers.

“Payday loans are marketed as a quick financial fix, but they’re actually a long-term debt trap,” Farahi said. “People will take out a loan thinking it’s a one-time loan to deal with a short-term crisis. But with all the fees and costs, they end up having to take out another loan and another loan.

Like his peers, Sanchez says FloatMe is not a payday lender.

“FloatMe is all about transparency,” he said. “We charge members $1.99 per month to access our personal finance management tools, overdraft alerts and other budget management features. Members can access the floats without having to pay the $1.99. There is no credit check. There is no interest and no hidden fees.

“We do not collect or store sensitive information (personal information),” Sanchez said. “We work with a third party to simply connect a member’s bank account. We do not sell any user data.

The company’s website says it uses Plaid, a California-based financial services company, to connect to customers’ bank accounts.

]]>