Banks & insurance generale

Banks and banking (1693)
Insurance (133)

Synopsis: Domenii: Banks & insurance: Banks & insurance generale:

but they risk breaking the bank to achieve. The US supports its space programme, but is reluctant to increase Nasa's funds.

They cost less than a dollar. Yet three years on since their experiment why haven governments, companies or organisations embraced potato batteries?

As early as 2030, according to a Citigroup report. And without it, the current Saudi economy could grind to a halt.

Private investment and loans for start-ups are still almost nonexistent. There is no equity-backed financing.

Just like Silicon valley start-ups, Karp was willing to take on tens of millions of dollars in venture capital to execute his vision.

The company had just $16m left in the bank, out of the $125m it had raised from venture capitalists.

Foursquare eventually raised debt to avoid taking a down round which would have valued the company lower than in past rounds of funding.

#Political supportbut the financial meltdown of 2008 had some of the smarter graduates reconsidering their banking ambitions,

#Prior to this new Bloomberg-endorsed era, New york start-ups had a reputation for focusing too much on monetisation.

which made hundreds of millions of dollars when they sold.##These deals represent a huge success. They bring attention to New york tech,

Tech companies in New york exist among Wall street banks Madison avenue agencies, fashion houses, and media conglomerates. You can't get that same diversity of industry

and his investors are onboard on that basis. Etsy CEO Chad Dickerson has hinted the company will take a nontraditional route to paying back its venture capitalists, possibly through recapitalisation and debt financing.

Henry Motte-Munoz, a former analyst at Goldman sachs and cofounder at Bantay. ph, a Philippine NGO that seeks to reduce corruption in the country through education

Henry Motte-Munoz, a former analyst at Goldman sachs and cofounder at Bantay. ph, a Philippine NGO that seeks to reduce corruption in the country through education

Headstrong had valued clients such as Goldman sachs and Morgan stanley, and expertise in consulting for sectors such as asset management, derivatives, wealth management and mortgages.

Increasingly the lines are blurring between outsourcing and IT services for most companies. While existing outsourcing business is doing well

Some of the major international companies located here include Coca-cola, Pepsi, IBM, American express, Agilent, Microsoft, and Bank of america."

The army gave us a few million dollars at the age of 18 and asked us to build technology

They emerge from military service and three years of studying with zero debt, eager to take a year off to pursue their dreams.

the idea is that a 450-kg (990-pound) bomb scatters thousands of rods from mid air over an area of 60 metres,

working their way up Kenya's health insurance industry until each ran successful brokerage businesses in the sector.

With less than 10%of Kenyans covered by health insurance, whether by private companies or the mandatory national hospital care scheme for those in formal employment,

While all employers are required by law to enroll their employees into the National Hospital Insurance Fund,

Other private insurance schemes cost upwards of 50-80,000 KES ($600-900) to cover a family.

#"For self-employed Kenyans and those in the informal economy#formal insurance mechanisms do not exist,

which costs as little as half a US dollar can cause financial difficulties for someone making just $2-$3 a day.

"There is lack of sensitisation to insurance, and, as part of that, prepayment is a hard concept,

and extended family emergencies,"saving is understood better than insurance, #Oloo says. So in 2009 Changamka launched a"smart card#that enabled Kenyans to save small amounts over time to cover the costs of outpatient services,

I don't have to go to the bank to deposit money or check my balance. I can check it through my handset, even in the night,

"so we designed an insurance product that would service the lower end of the market.##

##Changamka, in collaboration with one of Kenya's largest insurance companies British American Insurance and telecom provider Safaricom, launched a microinsurance scheme called Lindi Jamii in November last year.

Once their account hits 12,000 KES,($140), they are enrolled immediately in a family insurance scheme, covering two parents and unlimited children for 180 days.#

#Besides covering typical medical expenses, the insurance also covers add on services such as income replacement during hospitalisation, funeral assistance,

Their Linda Jamii microinsurance only has around 8, 000 subscribers so far, and is currently still reliant on funding from NGOS and donor agencies.

says Neverware 27-year-old founder Jonathan Hefter. his is something banks and Fortune 500 companies around the world are using,

For the past few years, social enterprise Kilimo Salama has been piloting a crop insurance scheme for smallholder farmers

and serve a critical and vulnerable market that traditional insurance schemes don reach. obody ever really wakes up

But, it become a highly valuable tool for helping farmers secure much-needed credit from banks.

Kilimo Salama has developed a unique eather-based index insurance, which farmers can buy into at the beginning of the season,

By coupling bank loans with Kilimo Salama insurance scheme, the organisation has enabled banks and microfinance institutions to be more comfortable with giving loans,

making access to essential credit easier for farmers. e not just selling insurance, says Goslinga,

ee enabling farmers to get a harvest. As of this year, Kilimo Salama has insured over 100,000 smallholder farmers across Kenya and Rwanda.

and measures that they may be taking from the Fed in terms of more stimulus and quantitative easing. RAYMOND:

And then the fun continues 2 p m. the Federal reserve going to unveil you can't wait for it the latest report on economic conditions.

whether policy-makers at the Central bank are thinking of implementing stimulus measures. And Wellpoint CEO Angela Braly has resigned from pressure from investors and shareholders.

But the breaking story of the morning is Hurricane Isaac as it pounds the city of New orleans. Jeff Flock is on the scene there.

Layoffs, difficulties obtaining credit, and a desert of customers during the recession are still fresh on many minds.

In 2009, only 19 percent of students graduated with credits in computer science, down from 25 percent in 1990, according to a report from the U s. Department of education.

plans to invest hundreds of thousands of dollars in each venture. Unlike Palestinians in the Israeli-occupied parts of the West bank

Israeli Arabs have equal rights under the law. But they have complained long of discrimination in employment

#Bloomberg the Company Daniela Perdomo credits the absence of basic communication services after superstorm Sandy for inspiring Gotenna Inc. a do-it-yourself wireless network that can carry text

and most of the detectors used in financial institutions are useless against themsays Matsumura. he paper

Tomohiro Ohsumi/Bloomberg A counterfeit 100 U s. dollar bank note is placed on a Matsumura Engineering Co. Ltd...

According to a study listed in the Federal reserve website, at the end of 2011, roughly 62 percent of U s. hundred dollar bills were in circulation outside the United states

#U s. Guarantees $230 Million Loan For Construction of Latin america Largest Solar plant A large solar power plant is coming to Chile Atacama desert

Tempe AZ-based First Solar will construct the 141-megawatt Luz del Norte plant with the aid of a loan guarantee of up to $230 million from the Overseas Private Investment Corp. the U s

The loan guarantee partly arises from President Barack Obama desire to work with Chile on expanding the clean energy futures for both nations. ee both very interested in energy

The U s. is already the largest lender to Chile having approved nearly $900 million of loan guarantees for six renewable energy generation projects in Chile in just over a year.

The International Finance Corp. also approved a $60 million loan for Luz del Norte. he Latin american region has need a growing for innovative and efficient energy solutions right nowsaid Tim Rebhorn senior vice president

However, serious money can be raised to put solar on a place as Mosaic matches supporters with dollars.

whose solar installations may need a few thousand dollars to be financeable by conventional means. For every 50 people that click upporton a Place page, Mosaic will donate $100 to put solar on it.

IBM) today announced it is collaborating with Ocean Networks Canada (ONC) on a three-year multi-million dollar project to equip British columbia with a monitoring

The trio were hoping to raise 30 000 US dollars over the course of a month via the popular American crowdfunding website just enough to start production of their eco-friendly device.

Weighing less than five pounds and with a cord that's 20 feet long this device offers a range of features including a LED charging indicator waterproofing for outdoor charging all-environment operation and built-in thermal sensors for protection

Take the announcement today by the U s. Environmental protection agency about its new partnership with Freddie mac the government-backed outfit that provides liquidity to a huge portion of the home loan market.

PA says the partnership with Freddie mac flows from the president Climate Action Plan and the agency pointed to three ways apartment energy efficiency gains might be made:

The EPA said it already been working with Fannie mae and the U s. Department of housing and urban development on similar efforts and his latest agreement with Freddie mac is another critical step forward in meeting the President goalof making multifamily buildings 20 percent more energy efficient by 2020 n

#Feds Offer Money To Put More Green Buses On Roads The continued expansion of zero-emissions buses across the United states got a boost from the federal government earlier this month

Chief among these efforts is a growing movement to establish state green banks: innovative new financial institutions that use public debt to leverage new and significant private-sector investment in more modern

and less-polluting domestic clean energy infrastructure. Notably, in 2013, the state of New york set the foundation for a $1 billion state green bank to support private investment in New york clean energy economy.

In December 2013, Gov. Cuomo announced an initial capitalization of $210 million to fund the bank launch in early 2014.

Launching this bank is an important act of leadership by the governor and the New york state government to provide better tools to build a stronger,

more competitive, and more resilient economy. The New york Green Bank is launching at a time of mounting evidence of the direct negative impacts of climate change on the nation environment, economy, and energy infrastructure.

Superstorm Sandy exposed this vulnerability with stark urgency and in so doing has underscored the critical investment challenge of rapidly building smart, resilient,

The leadership of individual states to utilize their financing authorities to improve access to credit

This is where state green banks come into play. These financial institutions are some of the most powerful tools for mobilizing new sources of public and private capital into emerging and necessary clean energy projects.

Independently administered and self-sustaining, green banks offer much-needed certainty and predictability to investors by ensuring reliable access to efficiently priced and long-term sources of credit to finance publically beneficial, clean energy infrastructure.

Although green banks are relatively new institutional mechanisms, they have proven to be well-crafted strategies for stimulating robust private-market participation.

National green banks have been deployed successfully in the United kingdom, Germany, andchina to harmonize policies and systematically marshal public credit supports to build emerging clean energy markets.

In the United states the Connecticut Clean energy Finance and Investment Authority is building a strong track record of success,

while Hawaii, Massachusetts, and California are also establishing similar clean energy financing entities. These emerging green banks also draw on the experiences of infrastructure banks employed in California, Puerto rico, British columbia,

and elsewhere to finance the construction of bridges, roads, transit, and other public facilities. Current state of clean energy financing programs Connecticut The New york Green Bank will join the Connecticut Clean energy Finance and Investment Authority,

or CEFIA, in paving the way for the successful implementation of state green banks and public,

state-level, clean energy financing. Established in 2011, CEFIA featured an initial capitalization of $48 million to provide broad credit support to Connecticut clean energy projects and companies.

CEFIA supports the development of Connecticut clean energy industry through a combination of grants, loans, and other credit supports,

as well as educational programs for businesses and homeowners. These programs include lending for residential solar electricity and hot-water systems,

deep energy efficiency retrofit loans through the Property Assessed Clean energy, or PACE, program for commercial and multifamily buildings,

and a competitive grant program for micro grids. In 2013 CEFIA used $40 million to attract more than $180 million of private investment f

which authorized $100 million in bonds to finance a renewable energy loan fund that can provide low-cost financing for homeowners

The loans, which are designed to offset the upfront cost of photovoltaic systems, can be paid back through on-bill financing,

a payment plan that allows homeowners to pay back the loans through a premium on their utility bills.

These programs have issued more than $13 billion in tax-exempt bonds to finance low-cost loans for energy-efficiency improvements and tax incentives for clean energy manufacturing.

California has seen recently also a renewed push to establish a dedicated green bank. Democratic State Sen.

Kevin de Leon of California has proposed a green infrastructure bank that would issue loans and financial assistance to public and private economic development projects.

Such a bank would further augment California ambitious support for a robust clean energy industry and would represent an efficient use of funds already designated to reduce California emissions.

and businesses in the form of loans, rebates, and grants. Masscec programs have helped support the growth of Massachusetts clean energy industry, with an 11.8 percent increase in clean energy jobs from 2012 to 2013.

Unlike a true green bank, however, the program remains focused on early stage markets. In 2013

and could serve as a strong foundation for a fully capitalized state green bank in the future.

However, while WCX will serve similar purposes to state green banks, there is no indication that it will provide direct financial support to leverage private investments for infrastructure.

Key mechanisms for state green banks State green banks are important but underutilized tools because they attack the very heart of the challenges currently facing renewable energy and energy efficiency in capital markets.

These financial institutions can specifically target some of the most significant and persistent market barriers that have served to slow the development and deployment of new clean energy technologies.

green banks can employ improved mechanisms to flexibly facilitate the aggregation, credit enhancement, andsecuritization of renewable energy and energy-efficiency projects.

Each of these tools will efficiently inject limited public dollars into transactions in a way that leverages far greater private investment than would have been accomplished otherwise,

a green bank can reduce costs for taxpayers and ratepayers, while significantly increasing the effective use of limited public dollars.

Aggregation State green banks should focus on mechanisms that allow the aggregation of decentralized investments across energy and real estate markets.

Currently, the volume and project size of clean energy transactions are often too small and decentralized to attract private capital efficiently into the market.

investors, and project developersreen banks can play a critically important function in beginning to build volume,

In addition, green banks should be allowed flexibility to experiment with policy designs in order to learn which types of aggregating mechanisms are utilized most readily in the market.

Credit enhancement A key principle of green banks is that they use public dollars strategically to reduce perceived risks for private investors in undertaking investments in clean energy projects.

By providing well-structured credit enhancements, a green bank can align public investments in a more targeted way to fill gaps in the capital market in order to leverage far greater volumes of private capital into needed projects.

State green banks should employ a range of credit-enhancement mechanisms from establishing loan-loss reserve funds to originating subordinated debt into individual transactions and developing new insurance products or other risk-mitigation strategies.

and they will vary across the programs of such a bank. Securitization Green banks can add great value to a state renewable energy

and energy-efficiency market by facilitating the securitization of these asset-backed investments. There is a substantial disconnect in current markets between the financing

green banks will greatly support the development of clean energy projects across states and will positively impact the cost of clean energy development by offering real consumer protection for ratepayers,

Rather than crowding out participation of private financial institutions, a green bank should use carefully targeted inducements to leverage greater private investment

and bring new participants into these transactions. As previously noted, the tools employed by green banks are understood well

and have been amply proven in other areas of public finance, including affordable housing, community economic development, technology research and development,

Through green banks, these strategies can be employed to meet the specific challenges of clean energy deployment and market transformation.

As free standing and self-sustaining financial institutions, green banks can also offer much-needed support for more effective implementation of widely used state regulations such as Renewable Portfolio Standards,

or RPS, and Energy efficiency Resource Standards, or EERS. Thirty states and the District of columbia currently employ RPS initiatives,

Green banks can act as powerful accelerants of these important policies by facilitating the availability of the capital necessary to finance the costs of meeting these goals

Green banks can enhance the predictability and stability of renewable energy and energy-efficiency markets and, if properly administered

state green banks can prove to be powerful resources in helping utilities, developers, and state regulators to more effectively meet the ambitious goals

Finally, green banks offer states a mechanism to reallocate unspent direct subsidies or new revenue from environmental initiatives into establishing durable credit facilities,

which will induce vastly more private capital for vitally beneficial public projects. Establishing a green bank allows states to put dollars to work that would

otherwise provide onetime consumer benefits and instead use those limited public funds to leverage new private capital resources that would

because green banks are designed to recycle the proceeds from these transactions, they are able to cycle investments multiple times,

For all of these reasons, a green bank should be preferred a mechanism for inducing new capital investment,

Conclusion With the initial capitalization of the New york Green Bank, New york has launched a dynamic tool that,

By establishing a robust green bank Gov. Cuomo has taken bold leadership action. New york green bank offers an evergreen source of capital,

which will continue to invest in clean energy projects and promote overall economic growth long after the Obama administration tenure.

and Hawaii are paving the way today with their green banks for new private-sector investment within robust, reliable,

Green banks are the right tools to leverage the private financing necessary to bring these technologies to wide-scale commercialization and support their competition within energy markets.

Moreover, state green banks offer great potential to drive innovation, fueling local and regional economic growth and job creation.

State green banks are a uniquely flexible solution that can operate at the scale of this challenge to accelerate the development and deployment of next-generation technology and infrastructure that is clean

The New york Green Bank represents a bold next step in this growing national movement o

#Implants And Powering Them From Within Your heart expends half a joule of energy every time it beats.

or continuing as a Blink guest and entering their credit card information directly into the App.

of an inch) or the depth of a few credit cards. Its gentle curved screen makes quite a design statement

We are pleased that Proterra could share in your city vision to promote a sustainable cost effective transit solution protecting the environment for generations to come. he five oldest trolley buses combined now emit a total of about 1135 pounds of carbon monoxide in a year compared to zero emissions from the all-electric buses.

TARC will also save thousands of dollars each year in lower operating costs. In fuel costs alone each electric bus will save TARC an estimated $10000 per year.

This technology allows us to actually understand how the bank is performing, so it looks at how it moving under pressure,

the Medlbtikar also participated with international organisations such as the World bank and UNESCO. When Medlbtikar finished in 2010

Euro-Mediterranean research and training collaboration will be enhanced, and INCAM's findings will assist the European commission in developing future policies r

Preliminary calculations indicate water costs of around two to five euros per cubic metre for intra-Mediterranean voyages,

and between five and ten euros per cubic metre for oceanic voyages. The dimensions of the oceanic modules have yet to be defined.

and include national maritime agencies, insurers, and salvage companies d

#Ultravisc#Separating the plastic from the chaff To the untrained eye, recycling almost appears to be like some kind of alchemy, that medieval art

This could amount to millions of euros in savings if the technology is taken up by enough recyclers.

Insurance claims for subsidence in France and Germany run into hundreds of millions of euros annually and they are rising.

and of course insurance companies. ur evaluation of potential markets, driven by our SME partners, makes us confident that DORIS technologies will have a long-term and sustainable impact across Europe,

and laser and fluid polishing. he software Delcam developed under COMET is already generating up to a million euros in additional sales,

#Euro-Indo collaboration develops new photodetector Photodetectors that analyse scattered light in the ultraviolet (UV) range of the spectrum are used often in situations where the rapid detection of hazardous biological

The base price was set at ¥198, 000 ($1, 600) with an additional ¥24, 600 ($200) monthly data and insurance fees.

and weighing 61 pounds, Pepper is designed to read emotions as well as recognize tones of voice and facial expressions in order to interact with humans.

#Researchers create guilt-free superfood that tastes like bacon As will be familiar to anyone miserably chewing through leaf after leaf of kale in a beleaguered attempt to shed a few pounds,

Bitcoin Named Worst-Performing Currency of 2014 In a statement to Entrepreneur late Monday, Bitstamp said that less than 19,000 BTC,

only days ago dubbed the world worst-performing currency of 2014. Today its price fell below $270,

and conduct simulated attacks to test the defences of organisations such as banks. Cameron is on a two-day visit to Washington focused on the economy

and the U s. National security agency will include joint war games with the first exercise later this year to involve the Bank of england and commercial banks in both the City of London and Wall street the BBC reported.

The Developmental Studies Hybridoma Bank a national resource created by the National institutes of health and housed at the University of Iowa supported the study.

#Health insurance for India s poor cuts death rate Stanford university University of California Berkeley University of Southern California rightoriginal Studyposted by Robert Perkins-USC on October 8 2014a

government program that provides health insurance for catastrophic illness lowered both mortality rates and out-of-pocket expenses for people in households below the poverty line in Karnataka India.

Researchers studied roughlyâ#80000 households from 600 villages and found a 64 percent drop in mortality from diseases covered by insurance.

The program the Vajpayee Arogyashree Scheme (VAS) is implemented by the Karnataka government with support from the World bank Group.

##This World bank study clearly shows how this program benefits the health of the poor in Karnataka##says U. T. Khader the stateâ##s Minister of Health and Family Welfare.##

##The free insurance covered specific high-impact medical conditionsâ##such as heart disease and cancerâ ##which poor residents often die from

automatic enrollment of all BPL families with no annual premiums user fees or copayments; and health camps in rural areas by empanelled hospitals

##The results of this study are important to India as it makes choices on how to make progress towards universal health coverage##says Onno Ruhl World bank Group Country Director for India.##

Since the program was phased covering poor households in the northern part of Karnataka in the first phase before expanding to the rest of the state the study compared the health outcomes of roughly 45000 households from villages that were covered by the insurance to roughly 37000 households

##The study shows that public policy can play a strong role in reducing disparities in health due to socioeconomic status. In villages without insurance the poor had much higher mortality than the rich

but such disparities were eliminated completely in villages with insurance coverage##says Neeraj Sood professor and director of research at the Schaeffer Center for Health policy and Economics at University of Southern California.##

and incurring payments for health care that push them deeper into poverty##says Patrick Mullen a World bank Group senior health specialist and the manager of the evaluation.

Theâ#World bank Groupâ##s Health Results Innovation Trust fund funded the study. Researchers from Stanford university; University of California Berkeley;

and the World bank Group are coauthors. Source: USCYOU are free to share this article under the Creative Commons Attribution-Noderivs 3. 0 Unported license

##Platelets are smarter than we give them credit for in that they are able to sense the physical characteristics of their environment

After a year the low-carb group lost an average of 7. 7 pounds more than the low-fat group.

Not to mention the dollars saved by the health system in general.####In the first phase of the study two percent of urinary catheters were removed after an initial##off-the-shelf##electronic alert was triggered (the stock alert was part of the standard software package for the electronic health record.

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