If you’re a business owner or resident in the bustling city of New York, you understand the importance of maintaining a comfortable indoor environment. In the heart of the urban jungle, where temperatures can fluctuate dramatically, having a reliable PTAC (Packaged Terminal Air Conditioner) system is crucial. However, like any other equipment, PTAC units may encounter issues over time, necessitating prompt attention. This is where professional PTAC repair in NYC comes into play, ensuring that your heating and cooling systems operate seamlessly year-round. PTAC units are a popular choice for many businesses and residential spaces in New York City due to their versatility and efficiency. These units provide both heating and cooling, making them ideal for maintaining a comfortable atmosphere regardless of the weather outside. However, just like any mechanical system, PTAC units may experience malfunctions, from faulty thermostats to refrigerant leaks. In the heart of the city that never sleeps, a malfunctioning PTAC unit can be a serious inconvenience. That’s why having access to reliable PTAC repair services in NYC is essential. Skilled technicians with expertise in diagnosing and resolving PTAC issues can make all the difference in restoring comfort to your space. When it comes to PTAC repair in NYC, it’s crucial to address issues promptly to avoid disruptions to your daily operations or home life. Regular maintenance is also key in preventing potential problems, ensuring that your PTAC unit operates efficiently and has a longer lifespan. Whether you operate a commercial space or reside in a bustling apartment, partnering with a reputable PTAC repair service in NYC ensures that your heating and cooling needs are met promptly and professionally. In conclusion, investing in the maintenance and timely repair of your PTAC units is a wise decision for any NYC business or resident. By entrusting your heating and … Read More ...
I Found a Second Job
Of course I know what happens in this city, we have tourists come here from all over the world and we entertain them however they want. It is Disney World for grown up people and of course we know that adults like sex. At any rate I recently learned about the escorts in salt lake city, although not as the person paying for it. In this case I am pretty sure that I am about ten tax brackets under the income required for this. This girl is incredibly beautiful and apparently she is already quite wealthy. I suspect that she must have shoeboxes full of cash in her closet to be honest. I am sort of her man servant it seems. She lets me stay in her guest house, which is bigger than the last apartment I had without the roommate drinking my beer. I drive her pick up truck when she has me run errands. When she is working I drive her around in a stretched Cadillac Escalade.
In fact she gave me a real interview when I applied for the job, but she apparently knew that I could kick a door in. I was in the Military Police when I was in the Army. She took me out behind her house in the desert and showed me four pistols. One of them was a really vintage Model 1911, I picked it up and hit five of the six bottles she had set up. She picked up another of the pistols and dropped the other. Then she sunbathed and made me swim laps in her pool to see how long I could do. The first time I worked we waited for a private jet to land. The guy had his own bodyguard and the two of us sat … Read More ...
We Have a Real Soap Opera at Work
There has always been drama on the upper floors of this place, there are two families who own most of the stock in the company. Neither has enough to fully control things, there are some other people who get to decide who to side with when it gets down to it. At any rate one faction has been trying to get rid of the president and they seem to have invented a scandal for the purpose. They started by hiring a woman who used to work for a las vegas asian girls, at least that is what the police seem to say. She must be around forty now I would guess and she managed to do exactly what they wanted her to do. The problem turns out to be that no one really cared. It turned out that he and his wife have been separated for a few months and never bothered to tell anyone about it.
Of course cheating on your wife is only a big deal if the wife cares about it. They seem to have made all the arrangements for an amicable (at least from the outside) divorce. The president was not the one who got the police involved, instead it was the former escort. She made a deal and did pretty much exactly what they wanted her to do, but without the desired result. So they foolishly decided that they did not have to pay. Right now we have a whole lot of people pointing their finger at other people, who just coincidentally happen to be their closest relatives. The reason is obvious, aside from the embarrassment. If you get caught doing it then it is probably some sort of crime and you have to get kicked out of the board for the sake of … Read More ...
Cultural Communication In The Workplace And Beyond
Welcome to the premium services of Business Standard brought to you courtesy FIS. In many instances loved ones members are disinterested in running the firm or do not have the business understanding and abilities to do so. In these instances they frequently wish to sell the family members firm to acquire its wealth. Some Western banking and insurance coverage firms have been patiently persevering over the last couple of years, softly reestablishing themselves in the country and waiting for the likelihood to jump back in, when sanctions are eased and foreign business permits permitted. Create the letter utilizing a regular business writing format only and choose a font such as Times New Roman, best for letter writing. Merchant Circle , Thumbtack , and other equivalent internet sites permit you to list your business locally for free of charge.
We look forward to functioning with you in the coming year and hope our business connection continues for several years to come. Don’t be concerned though, it really is nonetheless one particular of the lowest investment business suggestions you can imagine! In this economy, businesses are hungry for business and will operate with you to locate typical ground. Very first of all, you have to select a name for your business and open a bank account (Existing account) with that name. Business credit and business credit rating will help you obtaining finance from banks, financial institutes, and men and women. Hi there, I began my baking business from property with about R50 (equals about $9).
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Pendleton SC Businesses
Business statistics is the science of great choice making in the face of uncertainty and is used in numerous disciplines such as economic analysis, econometrics, auditing production and operations such as solutions improvement, and advertising study. The innovator or entrepreneur may be at the heart of difficulties simply because of their stubbornness or inability to adapt the item of the plan in response to feedback from consumers, sellers and the marketplace place. As you can see above, there was only going to be a single PSTN Internet site created (a single CCE instance) there was no HA to program for, or other prospective complications. I know our little, regional paper only expense $18 for an ad that is a little bit bigger then a business card, has color, a border and graphics.
Studies have shown that automation has also produced working lives a lot more complex for girls , and the gender impacts could be serious Women workers will be particularly at threat of job loss , as sectors where women have located it less difficult to get jobs – bank tellers, cash register operators, sorters at supermarkets, and light manufacturing – are especially vulnerable to the rise of robotics and automation.
… Read More ...
Ooma Vs. Vonage—Which Is Best?
Whether or not the letter is informal or formal, business or private, it is crucial to discover the ideal ending for your communication. The core business will be the sale of ice cream and soft drinks to those waiting to ride on the Victoria Tram. For these who aren’t familiar with this term, a contract roaster will roast in a wholesale capacity for your business. Email a copy of your flyer to friends and loved ones, and ask them to spread the word about your new business. Package 4 – $999This is for a little Furniture store / Department Store / Big Retailer – Consists of approximately 2-four hours of 360 Panorama Photography with up to 40 scenes of your business interior. The more you know about higher-ticket scrap materials, the more rapidly you can get a jump on the marketplace for your recycling business Hospitals, firms and even individuals just want to get rid of useless things. Instance of what not to do: You could apply for a business license and get a UBI number. You have written many business articles and this is fantastic one particular in the series.
Get your business moving, the Little Business Bus is now touring Victoria bringing expert suggestions and business assistance to you. AS the business repays the loan the payment is divided and shares paid into the squareholders account. He was previously Director of Investigation at the Reuters Institute and a research fellow at Green Templeton College, Oxford, He also holds faculty posts at IESE Business College in New York, Tampere University, Finland, University of Canberra, Australia, and the Center for Media Management and Economics, Tsinghua University, China. In addition, the UN Committee on Economic, Social and Cultural Rights published a draft Common Comment on state obligations below the UN Covenant … Read More ...
Programmatic Display Advertising Market looks to expand its
Programmatic Display Advertising Market
Advance Market Analytics published a new research publication on “Programmatic Display Advertising Market Insights, to 2030” with 232 pages and enriched with self-explained Tables and charts in presentable format. In the Study you will find new evolving Trends, Drivers, Restraints, Opportunities generated by targeting market associated stakeholders. The growth of the Programmatic Display Advertising market was mainly driven by the increasing R&D spending across the world.
Get Free Exclusive PDF Sample Copy of This Research @ https://www.advancemarketanalytics.com/sample-report/182356-global-programmatic-display-advertising—market?utm_source=OpenPR/utm_medium=Rahul
Some of the key players profiled in the study are:
AdRoll (United States), Xandr (United States), Google Marketing Platform (United States), TubeMogul (United States), Sizmek (United States), IgnitionOne, Inc. (United States), Choozle (United States), Fyber (Germany) (Digital Turbine), Disruptive Advertising (United States), Kedet (India).
Scope of the Report of Programmatic Display Advertising
Programmatic Display Advertising is the automated buying and selling of advertisements. Programmatic Display Advertising is the use of software to automatically buy digital advertisements. Programmatic Display Advertising makes up mostly general advertisements from brands online. These advertisements are highly targeted because they are programmatically placed. Programmatic Display Advertising enables to reach people all across the internet wherever they go through the power of retargeting.
The titled segments and sub-section of the market are illuminated below:
by Type (Responsive Ads, Retargeting (Or Remarketing) Ads, Native Ads, Social Ads), End-Use Verticals (Business, Healthcare, Education, Food & Beverages, Others), Trading Channels (Hybrid, Direct Deals, Automated Deals, Open Real-Time Bidding, Private Real-Time Bidding), Component (Advertiser Ad Server, Publisher Ad Server, Ad Network)
Market Trends:
Need for Digital Advertising to Improve Efficiency
Opportunities:
Rising Implementation of Programmatic Display Advertising can Create Opportunities for the Market Growth
Market Drivers:
Increasing use of Software for Digital Advertising
Lack of Human Dependence Reduces the Risk of Human Error
Intact Financial Corporation reports improved Q1 earnings
Chief executive attributed strong showing to contribution from all segments
Insurance News
By
Terry Gangcuangco
RSA parent company Intact Financial Corporation has published its earnings report for the first quarter of 2024.
Here’s how the group fared in the three months ended March 31:
|
Metric
|
Q1 2024
|
Q1 2023
|
|---|---|---|
|
Operating direct premiums written (DPW)
|
CA$5.11 billion
|
CA$4.81 billion
|
|
Combined ratio (discounted)
|
86.8%
|
87.4%
|
|
Combined ratio (undiscounted)
|
91.2%
|
91.9%
|
|
Underwriting income
|
CA$687 million
|
CA$613 million
|
|
Operating net investment income
|
CA$380 million
|
CA$295 million
|
|
Net operating income attributable to common shareholders
|
CA$648 million
|
CA$537 million
|
|
Net income
|
CA$673 million
|
CA$377 million
|
Of the operating DPW, CA$3.25 billion came from Canada, CA$1.25 billion from the UK&I segment, and CA$613 million from the US. Meanwhile, the combined ratio in Canada stood at 90.7%, in UK&I 94.6%, and in the US 88.0%.
Commenting on the financial results for Q1, chief executive Charles Brindamour (pictured) said: “We delivered strong results again this quarter with contribution from all segments, resulting in mid-teens ROE (return on equity) and solid book value growth.
“We also continued to make good progress on the integration
Scottish bank named in The Sunday Times Best Places to Work list
UNITY Trust Bank, which supports organisations to deliver positive social impact, has been named by The Sunday Times in its annual Best Places to Work Awards.
The prestigious list recognises and celebrates the UK’s best employers, based on feedback from employees and an independent assessment of six key areas, including workplace culture, leadership, employee engagement and wellbeing.
An impressive 91% of employees said that they were proud to work for Unity Trust Bank, and 90% felt that their work was worthwhile. When looking at measurements for workplace happiness, Unity’s highest ranking was for ‘Instilling Pride’ (89%), with an average happiness score of 85%.
Commenting on the award, Julia Tarpey, Director of Human Resources, said:
“Being named in the Best Places to Work is a fantastic achievement, and recognition of the inclusive, diverse and collaborative culture we foster at Unity Trust Bank, which our people are proud to be part of.
“Our colleagues share Unity’s vision of creating a better society by contributing to economic, community and social change, and are fundamental in supporting customers so that they can make a positive impact. We are dedicated to living these values by supporting the growth of every individual, enabling them to prosper both personally and professionally.
“From designing our new head-office space with a focus on promoting wellbeing, to funding industry qualifications that allow employees to pursue their career ambitions, and empowering individuals to deliver social impact through company volunteering days and the employee-led ‘Unity & Me’ forum, we recognise that people are at the heart of Unity’s success, and are proud to invest in their wellbeing.”
Unity Trust Bank has a Gold standard for Investors in People, is a Real Living Wage and Disability Confident Employer, and a signatory of the Women in Finance Charter, which is a commitment to see
12 Best Marketing Stocks to Buy
In this article, we discuss the 12 best marketing stocks to buy. To skip the detailed analysis of the industry, go directly to the 5 Best Marketing Stocks to Buy.
The advertising and marketing industry is a vital component of the economy and it plays diverse roles in driving growth, nurturing innovation and creativity, and facilitating market efficiency. According to a report by Solomon Partners, the projections indicate that global advertising growth for 2024 is expected to range from 4.6% to 7.2%, nearly doubling the anticipated growth rate of 2% to 5% projected for 2023. Some of the major growth catalysts in the year for marketing and advertising companies are the Paris Olympics and the US elections. According to the report, the highest ad spending year-over-year growth is expected for out-of-home advertising at 7.2%, followed by digital ad spending at 6.3%. On the other hand, print ad spending is expected to decline by 4.6% year-over-year.
Ad Revenue on the Rise for Digital Advertising Companies
In recent weeks, companies with digital advertisement segments saw a healthy rise in their ad revenues. Mega-cap tech stocks such as Meta Platforms, Inc. (NASDAQ:META), Alphabet Inc. (NASDAQ:GOOG), and Amazon.com, Inc. (NASDAQ:AMZN) beat their estimates and experienced a significant rise in their advertisement businesses. Meta Platforms, Inc. (NASDAQ:META) reported its earnings for the first quarter of fiscal 2024, on April 24, posting an EPS of $4.71, up $0.39 from forecasts. The company’s revenue was up 27% year-over-year at $36.46 billion, ahead of estimates by $240 million. Meta Platforms, Inc. (NASDAQ:META) reported that the number of ad impressions delivered across its Family of Apps increased by 20%, compared to the previous year and the average price per ad was up 6% year-over-year. Nearly 98% of the company’s revenue comes from advertisements. At its Q1 2024 earnings
Can you get your credit card’s annual fee waived? (it depends)
Credit card annual fees help offset the cost of providing lucrative rewards to cardholders, whether it’s cash back, points, travel miles, or other perks. But if you aren’t tapping into the full potential of these benefits, it might not make sense to continue paying a fee to use your card.
The good news: There are a few ways to get this fee waived. Here’s how.
How to get your credit card annual fee waived
Your credit card probably offers a variety of benefits that you may or may not use regularly, such as cash back at the grocery store, rental car insurance, or access to an airport lounge. Although some of these perks are nice to have just in case you need them, your annual fee might end up being a waste of money if you don’t take full advantage.
You might even feel compelled to charge more expenses to your card to make the annual fee seem “worth it.” For example, you might put your Netflix subscription on a rewards card that offers 3% back on streaming services. But if you carry a balance month to month, those rewards get wiped away by the interest anyway (and then some).
“That’s why it is very important to calculate the real worth of one of these cards,” says Freddie Huynh, vice president of data analytics with Freedom Debt Relief. If you decide that paying this added fee isn’t working for you, here are a few ways you can get it waived.
1. Contact your card issuer
The first step to getting your credit card annual fee waived is leveraging your history with the issuer. If you’ve owned your card for a while and have consistently made your payments on time, you may have better negotiating power than someone who recently opened
Biohaven Reports First Quarter 2024 Financial Results and Recent Business Developments
- Cash, cash equivalents, marketable securities and restricted cash totaled approximately $287.6 million on March 31, 2024, which excludes the net proceeds of approximately $247.8 million from Biohaven’s public offering completed on April 22, 2024
- Completed public offering of 6,451,220 Biohaven Ltd. common shares, which included the exercise in full of the underwriters’ option to purchase additional shares, at a price to the public of $41.00 per share
- Reported preliminary summary of data from ongoing single ascending dose (SAD) study with the lead asset from Biohaven’s Molecular Degrader of Extracellular Proteins (MoDE™) platform, BHV-1300
- FDA granted rare pediatric disease designation for the Company’s anti-myostatin, taldefgrobep alfa, providing potential to receive priority review voucher (PRV) if ultimately approved for the indication of spinal muscular atrophy (SMA)
- Completed a “buy-back” of partial royalty and milestone considerations from Knopp for the BHV-7000 and other Kv7 pipeline programs, replacing up to low teens royalty obligations with a flat mid-single digit royalty along with certain reduced future milestones
- Phase 2 and 3 programs in epilepsy, major depressive disorder (MDD) and bipolar disorder initiated with selective Kv7 activator, BHV-7000
- Phase 1 studies with brain-penetrant Tyrosine Kinase 2/Janus Kinase 1 (TYK2/JAK1) inhibitor, BHV-8000, and Transient Receptor Potential Melastatin 3 (TRPM3) antagonist, BHV-2100, programs advancing
- Total of three late stage, pivotal clinical trials ongoing with taldefgrobep alfa in SMA and troriluzole in OCD
- 20 abstracts, including 8 oral presentations and 12 posters, featured at the American Academy of Neurology (AAN) Annual Meeting, including recognition of BHV-2100 (TRPM3 antagonist) as AAN Abstract of Distinction in the pain category; breadth of presentations highlights Biohaven’s leadership in neuroscience and immunoscience as well as extensive development programs evaluating novel therapies to treat neurological diseases, with abstracts covering programs including Kv7 ion channel modulation, MoDEs™, TYK2/JAK1 inhibition, glutamate modulation, myostatin inhibition, and TRPM3
Tuza Raises $5M for Business Card Payments Comparison Site
London-based Tuza secured 4 million pounds (about $5 million) in seed funding for its platform that brings price comparison to card payments in the United Kingdom.
The company, which was formerly known as Statement, has compared 1.5 billion pounds (about $1.9 billion) in card turnover for small businesses since its launch in September, aiming to help these businesses save time and money, Tuza said in a Thursday (May 2) post on LinkedIn.
Investors participating in the seed round include Connect Ventures, Northzone, Entrepreneur First, Triple Point and a group of angel investors, according to the post.
Tuza will use the new funding to accelerate its growth in the U.K., Northzone said in a post on LinkedIn.
Northzone added that Tuza is “the first comparison site for business card payments” and that the investors aim to support the company as it brings “unprecedented transparency to the payments industry.”
“Tuza is revolutionizing payment processing for the 1.5 million small and medium businesses in the U.K. that accept in-person payments,” Northzone said in its post. “Their platform provides SMBs with instant, transparent comparisons of rates from top payment providers like Worldpay, Barclaycard and Revolut.”
Tuza allows SMBs to compare instant quotes, select a card machine and then go live when they’re ready, Tuza said on its website. Eighty-nine percent of businesses that search for a new card machine find better rates, the company said.
The seed funding comes 10 months after Tuza, then known as Statement, raised 1.5 million pounds (about $1.9 million) in a pre-seed funding round led by Northzone.
The company said at the time that it aimed to help SMBs save money on hidden card acceptance fees, give them control over unwanted fees and optimize their payment provider contracts.
Tuza was founded by
Canada’s capital-gains tax hike faces opposition from business
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“We are calling on the government to heed the advice of many of Canada’s most respected leaders and commit to scrapping the ill-advised inclusion rate increase,” the groups wrote.
In last month’s budget, Freeland unveiled plans to tax Canadian companies and individuals on two-thirds of their realized capital gains, up from half currently. The government said the changes, which are scheduled to come into effect June 25, would impact just 0.13 per cent of Canadians and 12.6 per cent of businesses. For individuals, only gains over $250,000 are taxed at the new, higher rate.
The industry groups dispute the government’s estimates, arguing that one in five Canadians will be “directly impacted over the next 10 years and the effects of this tax hike will be borne by all Canadians, directly or indirectly.”
The letter adds to a chorus of groups criticizing the planned tax increase. The Canadian Medical Association also opposes the changes, saying the many doctors that incorporate their practices will face a higher tax burden. More than one in 10 Canadians owns an investment property, according to a report by Royal Lepage, and they’ll pay more if they sell for a large gain. Primary residences are exempt from capital gains taxes in Canada.
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“If enacted, this change will have significant knock-on impacts, including making it harder for Canadians to access medical practitioners, limiting employment opportunities and making the prospect of starting, growing or succession planning a business more difficult, especially for multigenerational businesses such as farms, fisheries and small businesses,” the groups said.
The tax change is expected to generate $19.4 billion in revenue over a five-year period, the government
Advertising and marketing | Unilever
Communicating with consumers
We have four clearly defined principles that guide our communications with consumers:
- We are committed to building trust through responsible practices and through transparent communication – both directly to consumers and indirectly through other key stakeholders and thought-leaders.
- It is our responsibility to ensure that our products are safe and that we provide clear information on their use and any risks that are associated with their use.
- We fully support a consumer’s right to know what is in our products and will be transparent in terms of ingredients, nutrition values and the health and beauty properties of our products.
- We will use a combination of channels, which includes product labels, websites, careline phone numbers and/or consumer leaflets to communicate openly with our consumers.
Responsible marketing and advertising
We are committed to responsible marketing and advertising. As a leading global consumer goods company, we promote the benefits of our products using many different channels of brand communication.
Marketing and advertising can be a powerful force for behaviour change. They help inform people about the benefits of our products and innovations. It is also a way for us to engage with consumers on issues that matter to them. For example:
- Dove’s Campaign for Real Beauty challenges current stereotypes about beauty.
- Omo/Persil’s ‘Dirt is good’ campaign promotes getting dirty as a natural and positive part of growing up for children – all part of their learning and development.
- Comfort One Rinse’s campaign explains to consumers that they only need one bucket of water for rinsing their clothes rather than three, helping them to save water.
At the same time, we recognise the influence of marketing and advertising on consumers and take our responsibilities seriously. We apply the International Chamber of Commerce (ICC) code ‘Advertising and Marketing Communication Practice’ as the
10 Best Credit Card Payment Services for SMBs
Small business owners must make thousands of decisions when starting a business and running its daily operations. Deciding to accept credit card payments is a crucial choice that spurs another critical decision: What credit card payment processing service should you use?
Choosing a credit card payment service entails evaluating credit card processing fees, approval rates, equipment and more. To help small business owners select the right credit card payment service, we’re highlighting 10 trustworthy options that provide a unique range of services and options to help you choose the right processing partner for your needs.
The best credit card payment services for small business owners
The best credit card processors have reasonable fees, pay you quickly, and support your business with excellent customer service. Consider the following 10 services as you search for your credit card processor.
1. Helcim
Helcim provides services and equipment for brick-and-mortar and online businesses, including EMV-compliant and NFC-capable terminals. There’s also a card reader for accepting credit card payments on mobile devices and a virtual terminal for online transactions.
Helcim has a robust software interface that gives merchants tools most other credit card processors charge extra for, such as POS system capabilities. With Helcim, POS software is free, and there are no monthly fees. Helcim also gives new merchants a free online store.
Helcim has a transparent interchange-plus rate structure, charging 0.3% plus 8 cents per transaction for card-present transactions and 0.5% plus 25 cents per transaction for keyed-in transactions. These fees are in addition to the interchange rate every merchant must pay.
To learn more, read our in-depth review of Helcim.
2. Stax by Fattmerchant
If you have an established company with a high monthly transaction volume, Stax by Fattmerchant may be the processor for you. It works on a subscription model; you pay