Lowes.net employee portal

Red Hat

2009.03.09 19:33 Red Hat

Discussion for Red Hat and Red Hat technologies!

2011.12.02 04:51 grndfthrprdx Lending Club: Investor, Borrower & Employee Discussions

A place to discuss your experiences at LendingClub as a lender, borrower or employee.

2014.10.07 13:58 SHEePYTaGGeRNeP ICT-opleiding van de Fontys Hogeschool

“I think the problem Digg had is that it was a company that was built to be a company, and you could feel it in the product. The way you could criticise Reddit is that we weren't a company – we were all heart and no head for a long time. So I think it'd be really hard for me and for the team to kill Reddit in that way.” Steve Huffman, aka spez, Reddit CEO, on April 19th 2023. For more information about the black-out, please click here https://www.bbc.co.uk/news/technology-65855608

[link]

2024.05.19 05:15 Latter-Economy Don’t know which college route to go

Hi. I’m a high school senior and recently got accepted to a few colleges, mainly UCs. For some background, I come from a really low income family, and I would be a first generation student.
I applied to some colleges just to see what would happen, and I got accepted to a few UCs, including a school I really want to go to.
I got a really good financial aid offer (my SAI index came out to be -1500, so basically the max amount of grants), but even with all the grants I’m still wondering if it would be worth it to go?
My other option, which was my “first choice” was Community College and then transfer to any UC.
For UC, I kinda calculated the costs based on the cheapest options, and without work study or any loans the total net price would be around 4-5k (everything else is covered in grants). This is just a rough estimate (the price that is listed on the portal is around 12k, but the housing and food estimates seemed much higher than if i were to choose the cheapest options offered etc)
Community College would, in my opinion, be a lot harder to manage. I’d be working for sure, and paying some other living expenses that come with it. Not sure if CC students get much aid to help with that. I would also probably be paying rent to help out my parents. But I would also have more money since I’d be working more, and I’d be saving up for eventually transferring.
I’m just very torn what direction to go in. Both are great choices with their own challenges but I’m just not sure that the cost of going straight to college rather than CC is worth it.

submitted by Latter-Economy to ApplyingToCollege [link] [comments]

2024.05.19 04:20 EmptyEar1111 Looking for advice on getting started / improving

Married couple, mid 30's. I make ~150k self-employed income. My wife is currently full time stay at home with our kids. The better part of the past 5 years our savings/investments have gone towards buying and renovating our current home. We're pretty settled in and my business has been improving so I really want to focus on getting back into investing and building our portfolio.
I haven't done any sort of self employed ira/401's etc. I have a sep ira from a old job but havnt touched it. Between saving for a home and being at a low tax bracket, anything we saved was just put into a post tax brokerage account.
Current financials:
Cash / Checking: $45,000 My Brokerage: $25,000 (vtsax) Sep IRA: $10,000 (vtsax) Wife Brokerage: $50,000 (ekbax - high fees but mostly all profit so we've been avoiding a taxable event)
Home Equity: ~$325k
Debt: Mortgage: $400k @ 3.25% Car Loan: $4800 @ 2.95%
Monthly Net after all personal & business expenses paid: ~$3750
I guess my main two questions would be:

Where should I be putting $X/mo? Split between brokerage and self-employeed accounts? Or primarily all self-employeed pre-tax accounts? We may consider investing in additional real estate in the future so I'm not sure if I want everything tied up in retirement accounts. For the time being my accountant says the tax savings are minimial so it really comes down to wether or not we plan on accessing the money in the near future.
Do we sell my wifes brokerage account and combine all of the funds in vanguard. Her current fund has a 1.1% expense ratio and we dont contribute anything towards it. It will have roughly $35k in capital gains when we sell tho. How will that effect our overall tax bracket for that year?

submitted by EmptyEar1111 to Bogleheads [link] [comments]

2024.05.19 01:23 Front_Ad_8752 Local grocery store rejected me and when I come in I see barley any employees in sight😐😑

I’ve applied to this local grocery store 5 times. I just applied last week making it my 6th. I honestly lost track tbh. I live 5 mins away driving distance wise, i have FULL availability which makes me pissed because the job doesn’t know about it as they didn’t make that a question in their stupid application. I will work ANY hours, I’ll be available IMMEDIATELY. It’s not even that hard but these managers are doing too fking much. So extra. Just hire me my god. I have experience tooo and I didn’t earn it for nothing😤😒i just shopped at the store yesterday and one of the employees I know personally saw me and asked if I spoke to the manager cuz they been wanting to get me in. She told me they need more people, it’s funny because I could see that. I saw barely any employees except for 3-5 people. She asked if I called the hiring the manger? I told her I did, I wanted to say I got rejected but I didn’t want as I was still pretty pissed about it. I told her I tried calling but she didn’t pick up and I was given a automated message. Since I got rejected so much I don’t think any efforts and would suffice. I even had people vouching for me to get in, and I was even referred by people there. But they keep rejecting me. My résumé looks absolutely fine because I had it checked by multiple people and just no issues with it.
When I spoke to the customer service about my application, they told me that they don’t check anyone’s application who applies online. They only bother to look at people who were recruited and vouched for. Which is funny because from what I believe, I’m having people inside the store voich for me and I’m still getting rejected. I can’t even talk to the manager because they don’t want to talk to any customers who are asking about working here and applying here. It’s just so peasantry and elitist! if I went up there in person and asked for a application they would tell me to apply online which is fucked up because they just told me the people who submit applications online through the website aren’t bothered to be looked at. 😑
When I called the customer service desk, I asked for the hiring manager, that’s when they told me that essentially my application won’t matter, but I still asked to speak to hiring manager anyways so they gave me their number. I expected to hear from the hiring manager directly and be able to schedule an interview, but I was met with a automated robotic message which pissed me off because why isn’t the hiring manager answering the phone, you know?? This automated message started saying “welcome to the (store name) center!”Before I could even say anything, the automated message answered all of my questions and essentially said if you’re wondering about your application progress, please check the portal and if I am accepted for an interview or rejected I will be told through email. They will not call me or text me so all I had to do is wait for a email. Annddd I I got Rejected.

submitted by Front_Ad_8752 to jobs [link] [comments]

2024.05.19 00:44 softtechhubus Unlocking Passive Income Streams: Strategies for Financial Freedom

Unlocking Passive Income Streams: Strategies for Financial Freedom in 2024

https://preview.redd.it/lmko4rpsj91d1.jpg?width=1920&format=pjpg&auto=webp&s=5199074a017b6d10c63705a11e1c2f6f9be4a12d
In today's fast-paced world, where job security is no longer a certainty and traditional employment models are evolving, the quest for financial freedom has become more crucial than ever. One of the most effective ways to achieve this goal is by establishing multiple streams of passive income – sources of revenue that require minimal effort to maintain once set up. This article delves into various strategies for earning passive income online, providing actionable steps for each method.

Section 1: Understanding Passive Income

What is Passive Income?

Passive income refers to earnings generated from sources that do not require active involvement or labor once the initial effort has been put in. Unlike active income, which is earned through traditional employment or self-employment, passive income continues to flow in even when you're not actively working. This concept has gained immense popularity in recent years as more individuals seek ways to break free from the constraints of the 9-to-5 grind and achieve financial independence.

Benefits of Passive Income

The allure of passive income lies in its ability to provide a consistent revenue stream with minimal ongoing effort. Here are some of the key benefits of building passive income sources:

Financial Freedom: Passive income can supplement or even replace traditional employment income, allowing you to achieve financial independence and pursue your passions without worrying about money.
Diversification: By diversifying your income streams, you reduce your reliance on a single source of income, mitigating risks and providing a safety net in case one stream dries up.
Scalability: Many passive income strategies can be scaled up, allowing you to increase your earnings without proportionally increasing your workload.
Lifestyle Flexibility: With passive income, you can enjoy greater flexibility in your lifestyle, as you are not tied to a specific location or schedule.

Passive Income vs. Active Income

While both passive and active income contribute to your overall financial well-being, they differ in several ways:

Effort Required: Active income requires ongoing effort and labor, while passive income requires initial effort to set up but minimal ongoing work.
Time Commitment: Active income is directly tied to the time you invest in working, whereas passive income can generate revenue even when you're not actively working.
Scalability: Active income is limited by the number of hours you can work, while passive income can be scaled up more easily by leveraging systems and automation.
Risk Diversification: Passive income streams provide diversification, reducing the risk of relying solely on active income from a single source.

By combining active and passive income sources, you can create a well-rounded financial portfolio that provides stability, flexibility, and the potential for long-term wealth building.

Section 2: Popular Passive Income Strategies

There are numerous ways to generate passive income, ranging from traditional investment vehicles to modern online opportunities. Let's explore some of the most popular strategies:

Subsection 2.1: Real Estate Investments

Real estate has long been a favored passive income source for many investors. By owning rental properties, you can generate a steady stream of rental income with minimal effort once the property is acquired and tenants are in place.

Description

Real estate investments can take various forms, including:

Rental Properties: Purchasing residential or commercial properties and renting them out to tenants.
Real Estate Investment Trusts (REITs): Investing in companies that own and operate income-producing real estate.
Crowdfunding Real Estate Platforms: Pooling funds with other investors to purchase income-generating properties.

Steps to Get Started

Getting started with real estate investments involves the following steps:

Research and Analysis: Conduct thorough market research to identify profitable investment opportunities and evaluate potential risks.
Financing: Secure financing through traditional mortgages, private lenders, or alternative financing options.
Property Management: Hire a professional property management company or handle tenant screening, maintenance, and rent collection yourself.
Ongoing Monitoring: Regularly review your investment performance and adjust your strategy as needed.

While real estate investments can be lucrative, they also require significant upfront capital and carry inherent risks, such as vacancies, property maintenance, and market fluctuations.

Subsection 2.2: Stock Market Investments

Investing in the stock market is another popular way to generate passive income. By carefully selecting dividend-paying stocks or investing in index funds, you can earn regular income from your investments.

Description

Stock market investments for passive income can take the following forms:

Dividend Stocks: Owning shares in companies that distribute a portion of their profits to shareholders in the form of dividends.
Index Funds: Investing in low-cost, diversified funds that track the performance of a specific market index, such as the S&P 500.
Mutual Funds: Professionally managed investment funds that hold a diverse portfolio of stocks, bonds, and other securities.

Steps to Get Started

To start investing in the stock market for passive income, follow these steps:

Open a Brokerage Account: Choose a reputable online brokerage platform that suits your investment needs and budget.
Research and Select Investments: Conduct thorough research on potential investments, considering factors such as dividend yield, historical performance, and risk profile.
Develop an Investment Strategy: Determine your investment goals, risk tolerance, and time horizon, and create a diversified portfolio accordingly.
Regularly Monitor and Rebalance: Periodically review your investments and rebalance your portfolio as needed to maintain your desired asset allocation.

While stock market investments offer the potential for passive income and long-term growth, they also carry market risks, and returns are not guaranteed.

Subsection 2.3: Online Businesses

The rise of the internet has opened up a world of opportunities for generating passive income through online businesses. From e-commerce to affiliate marketing, these ventures can be lucrative and scalable once established.

Description

Popular online business models for passive income include:

E-commerce: Building and operating an online store that sells physical or digital products.
Dropshipping: A retail fulfillment model where products are shipped directly from the supplier to the customer, eliminating the need for inventory management.
Affiliate Marketing: Earning commissions by promoting other companies' products or services through your website, social media, or other online platforms.

Steps to Get Started

Starting an online business for passive income involves the following steps:

Choose a Business Model: Evaluate different online business models and select one that aligns with your interests, skills, and goals.
Conduct Market Research: Identify a profitable niche, analyze the competition, and assess the demand for your products or services.
Build an Online Presence: Create a professional website, set up e-commerce platforms, and establish a strong online brand.
Implement Marketing Strategies: Utilize effective marketing techniques, such as search engine optimization (SEO), social media marketing, and email marketing, to drive traffic and sales.
Automate Processes: Leverage tools and software to automate repetitive tasks, streamlining operations and freeing up time for scaling and growth.

While online businesses offer flexibility and scalability, they require upfront effort, consistent marketing, and adaptability to changing market trends and consumer preferences.

Section 3: Digital Products and Courses

In the digital age, creating and selling digital products and online courses have become lucrative passive income streams. By leveraging your expertise and knowledge, you can create valuable resources that generate ongoing revenue with minimal ongoing effort.

Subsection 3.1: Creating and Selling E-books

E-books have emerged as a popular and accessible way to share knowledge, expertise, or creative works while earning passive income. With the rise of self-publishing platforms and the growing popularity of e-readers, the e-book market has become a viable avenue for authors and subject matter experts.

Description

E-books can cover a wide range of topics, including:

Non-Fiction: Self-help, business, personal development, and educational content.
Fiction: Novels, short stories, and creative writing across various genres.
Reference Materials: Guides, manuals, and instructional resources.

Steps to Get Started

To start earning passive income through e-book sales, follow these steps:

Choose Your Topic: Identify a niche or subject area where you have expertise or a unique perspective to offer.
Write and Edit: Craft a high-quality e-book by writing compelling content, ensuring proper formatting, and editing for clarity and accuracy.
Design and Format: Create an attractive cover design and properly format your e-book for different platforms and devices.
Self-Publish: Upload your e-book to popular self-publishing platforms like Amazon Kindle Direct Publishing, Barnes & Noble Press, or Apple Books. These platforms handle the distribution and sale of your e-book.
Market and Promote: Implement effective marketing strategies, such as social media promotion, email marketing, and leveraging influencers or book bloggers to reach your target audience.

While e-book sales may start slow, with consistent effort and effective promotion, you can build a passive income stream that continues to generate revenue over time.

Subsection 3.2: Developing Online Courses

In today's knowledge-driven economy, sharing your expertise through online courses has become a lucrative passive income opportunity. With the rise of e-learning platforms and the increasing demand for remote education, creating and selling online courses can be a rewarding venture.

Description

Online courses can cover a wide range of topics, including:

Professional Skills: Business, marketing, programming, design, and other career-related subjects.
Personal Development: Health, fitness, productivity, and self-improvement topics.
Creative Pursuits: Photography, art, music, writing, and other creative disciplines.

Steps to Get Started

To develop and sell online courses as a passive income stream, follow these steps:

Identify Your Niche: Determine the subject area where you possess valuable knowledge or expertise that others are willing to pay for.
Plan and Structure Your Course: Outline the course content, breaking it down into modules or lessons, and determine the format (videos, text, assignments, etc.).
Create Course Materials: Develop high-quality course content, including video lectures, presentations, worksheets, and other supporting materials.
Choose a Platform: Select an online course platform like Udemy, Coursera, or Skillshare to host and sell your course.
Market and Promote: Utilize effective marketing strategies, such as social media promotion, email marketing, and leveraging influencers or industry experts to reach your target audience.

While creating an online course requires upfront effort, once it's launched, you can earn passive income as students enroll and purchase your course. Additionally, you can continually update and improve your course over time to maintain its relevance and value.

Section 4: Automated Systems for Passive Income

In the digital age, leveraging automated systems and software tools has become a powerful way to generate passive income. By harnessing the power of technology, you can streamline processes, automate tasks, and create income-generating systems that operate with minimal ongoing effort.

Subsection 4.1: Utilizing Software and Tools

There are various software and tools available that can automate income-generating tasks, freeing up your time and enabling you to earn passive income more efficiently.

Description

Some examples of automated systems and tools for passive income include:

Affiliate Marketing Platforms: Software that automates the process of promoting and tracking affiliate links, enabling you to earn commissions from product or service sales.
Email Autoresponders: Tools that allow you to create and send automated email sequences, nurturing leads and promoting offers without manual intervention.
Chatbots and Virtual Assistants: Conversational AI-powered systems that can handle customer inquiries, provide product recommendations, and even facilitate sales.
Content Syndication Tools: Platforms that automatically distribute your content across multiple channels, increasing reach and generating passive income through advertising or affiliate marketing.

Steps to Get Started

To leverage automated systems and tools for passive income, follow these steps:

Identify Suitable Tools: Research and evaluate various software and tools that align with your passive income goals and strategies.
Learn and Implement: Dedicate time to learning how to effectively use the chosen tools, following tutorials, guides, and best practices.
Integrate and Automate: Set up the tools and systems to automate specific tasks or processes, creating streamlined workflows for passive income generation.
Monitor and Optimize: Regularly monitor the performance of your automated systems, gathering data and insights to optimize and improve their effectiveness over time.

While automated systems and tools require an initial investment of time and resources to set up, they can significantly amplify your passive income potential by automating repetitive tasks and enabling your income streams to operate with minimal ongoing effort.

Section 5: Case Studies and Success Stories

To illustrate the potential of passive income strategies and inspire you on your journey, let's explore some real-life case studies and success stories:

Example 1: Real Estate Investor Achieves Financial Freedom

Sarah, a former corporate employee, had always dreamed of achieving financial freedom and escaping the 9-to-5 grind. After careful planning and research, she ventured into real estate investing by purchasing her first rental property. Over the years, Sarah reinvested her profits and expanded her portfolio, eventually owning multiple rental properties across different markets.
Today, Sarah earns a substantial passive income from her real estate investments, allowing her to quit her corporate job and pursue her passions. She spends her time traveling, volunteering, and enjoying her newfound freedom while her properties generate steady rental income.

Example 2: Online Entrepreneur Builds Multiple Income Streams

John, a tech-savvy entrepreneur, recognized the power of the internet and the potential for passive income. He started by creating and selling digital products, such as e-books and online courses, leveraging his expertise in web development and design.
As his digital product sales grew, John reinvested his profits into building an e-commerce store, dropshipping products in high demand. He also ventured into affiliate marketing, promoting products and services through his website and social media channels.
Today, John enjoys a lifestyle of financial freedom, earning passive income from his diverse online ventures. He can work from anywhere in the world, while his automated systems and established income streams continue to generate revenue.
These success stories demonstrate that with dedication, strategic planning, and a willingness to embrace new opportunities, it is possible to achieve financial freedom through passive income streams.

Conclusion

In the ever-changing landscape of the modern economy, diversifying your income sources and cultivating passive income streams has become increasingly crucial for achieving financial independence and freedom. From real estate investments and stock market opportunities to online businesses, digital products, and automated systems, the strategies outlined in this article provide a comprehensive guide to unlocking the potential of passive income.
It's important to remember that building sustainable passive income streams requires initial effort, dedication, and a willingness to continuously learn and adapt. However, by taking the first step and consistently implementing the strategies that align with your goals and resources, you can gradually build a reliable foundation for passive income generation.
Embrace the power of passive income, and embark on a journey towards financial freedom. The path may not be easy, but the rewards of achieving a lifestyle free from the constraints of traditional employment are well worth the effort.

Recommendation

Lead-in

If you're looking for a streamlined and proven way to earn passive income, consider automated systems that leverage the power of technology and artificial intelligence.

Product Recommendation: AMZ Automator

One such system is the AMZ Automator, a revolutionary platform that uses an AI system to generate commissions by uploading done-for-you books to Amazon Kindle. With AMZ Automator, you can tap into the lucrative world of passive income with minimal effort and no upfront costs.

Brief Description

AMZ Automator eliminates the need for tech setup, manual work, or substantial investments. Its AI-powered system creates and uploads high-quality, ready-to-sell books to Amazon Kindle, enabling you to earn commissions with just a few clicks. The platform takes care of the entire process, from book creation to promotion and sales, allowing you to earn passive income while you sleep.

Benefits

No tech setup required
No upfront cost or hidden fees
Instant payments and commissions
Completely automated system
Proven results and success stories

Call to Action

Take the first step towards financial freedom and unlock the power of passive income with AMZ Automator. Click here to learn more and start earning passive income today:
Unlocking Passive Income Streams: Strategies for Financial Freedom in 2024
In today's fast-paced world, where job security is no longer a certainty and traditional employment models are evolving, the quest for financial freedom has become more crucial than ever. One of the most effective ways to achieve this goal is by establishing multiple streams of passive income – sources of revenue that require minimal effort to maintain once set up. This article delves into various strategies for earning passive income online, providing actionable steps for each method.

Section 1: Understanding Passive Income

What is Passive Income?

Benefits of Passive Income

The allure of passive income lies in its ability to provide a consistent revenue stream with minimal ongoing effort. Here are some of the key benefits of building passive income sources:

Financial Freedom: Passive income can supplement or even replace traditional employment income, allowing you to achieve financial independence and pursue your passions without worrying about money.
Diversification: By diversifying your income streams, you reduce your reliance on a single source of income, mitigating risks and providing a safety net in case one stream dries up.
Scalability: Many passive income strategies can be scaled up, allowing you to increase your earnings without proportionally increasing your workload.
Lifestyle Flexibility: With passive income, you can enjoy greater flexibility in your lifestyle, as you are not tied to a specific location or schedule.

Passive Income vs. Active Income

While both passive and active income contribute to your overall financial well-being, they differ in several ways:

Effort Required: Active income requires ongoing effort and labor, while passive income requires initial effort to set up but minimal ongoing work.
Time Commitment: Active income is directly tied to the time you invest in working, whereas passive income can generate revenue even when you're not actively working.
Scalability: Active income is limited by the number of hours you can work, while passive income can be scaled up more easily by leveraging systems and automation.
Risk Diversification: Passive income streams provide diversification, reducing the risk of relying solely on active income from a single source.

By combining active and passive income sources, you can create a well-rounded financial portfolio that provides stability, flexibility, and the potential for long-term wealth building.

Section 2: Popular Passive Income Strategies

There are numerous ways to generate passive income, ranging from traditional investment vehicles to modern online opportunities. Let's explore some of the most popular strategies:

Subsection 2.1: Real Estate Investments

Description

Real estate investments can take various forms, including:

Rental Properties: Purchasing residential or commercial properties and renting them out to tenants.
Real Estate Investment Trusts (REITs): Investing in companies that own and operate income-producing real estate.
Crowdfunding Real Estate Platforms: Pooling funds with other investors to purchase income-generating properties.

Steps to Get Started

Getting started with real estate investments involves the following steps:

Research and Analysis: Conduct thorough market research to identify profitable investment opportunities and evaluate potential risks.
Financing: Secure financing through traditional mortgages, private lenders, or alternative financing options.
Property Management: Hire a professional property management company or handle tenant screening, maintenance, and rent collection yourself.
Ongoing Monitoring: Regularly review your investment performance and adjust your strategy as needed.

While real estate investments can be lucrative, they also require significant upfront capital and carry inherent risks, such as vacancies, property maintenance, and market fluctuations.

Subsection 2.2: Stock Market Investments

Description

Stock market investments for passive income can take the following forms:

Dividend Stocks: Owning shares in companies that distribute a portion of their profits to shareholders in the form of dividends.
Index Funds: Investing in low-cost, diversified funds that track the performance of a specific market index, such as the S&P 500.
Mutual Funds: Professionally managed investment funds that hold a diverse portfolio of stocks, bonds, and other securities.

Steps to Get Started

To start investing in the stock market for passive income, follow these steps:

Open a Brokerage Account: Choose a reputable online brokerage platform that suits your investment needs and budget.
Research and Select Investments: Conduct thorough research on potential investments, considering factors such as dividend yield, historical performance, and risk profile.
Develop an Investment Strategy: Determine your investment goals, risk tolerance, and time horizon, and create a diversified portfolio accordingly.
Regularly Monitor and Rebalance: Periodically review your investments and rebalance your portfolio as needed to maintain your desired asset allocation.

While stock market investments offer the potential for passive income and long-term growth, they also carry market risks, and returns are not guaranteed.

Subsection 2.3: Online Businesses

Description

Popular online business models for passive income include:

E-commerce: Building and operating an online store that sells physical or digital products.
Dropshipping: A retail fulfillment model where products are shipped directly from the supplier to the customer, eliminating the need for inventory management.
Affiliate Marketing: Earning commissions by promoting other companies' products or services through your website, social media, or other online platforms.

Steps to Get Started

Starting an online business for passive income involves the following steps:

Choose a Business Model: Evaluate different online business models and select one that aligns with your interests, skills, and goals.
Conduct Market Research: Identify a profitable niche, analyze the competition, and assess the demand for your products or services.
Build an Online Presence: Create a professional website, set up e-commerce platforms, and establish a strong online brand.
Implement Marketing Strategies: Utilize effective marketing techniques, such as search engine optimization (SEO), social media marketing, and email marketing, to drive traffic and sales.
Automate Processes: Leverage tools and software to automate repetitive tasks, streamlining operations and freeing up time for scaling and growth.

While online businesses offer flexibility and scalability, they require upfront effort, consistent marketing, and adaptability to changing market trends and consumer preferences.

Section 3: Digital Products and Courses

Subsection 3.1: Creating and Selling E-books

Description

E-books can cover a wide range of topics, including:

Non-Fiction: Self-help, business, personal development, and educational content.
Fiction: Novels, short stories, and creative writing across various genres.
Reference Materials: Guides, manuals, and instructional resources.

Steps to Get Started

To start earning passive income through e-book sales, follow these steps:

Choose Your Topic: Identify a niche or subject area where you have expertise or a unique perspective to offer.
Write and Edit: Craft a high-quality e-book by writing compelling content, ensuring proper formatting, and editing for clarity and accuracy.
Design and Format: Create an attractive cover design and properly format your e-book for different platforms and devices.
Self-Publish: Upload your e-book to popular self-publishing platforms like Amazon Kindle Direct Publishing, Barnes & Noble Press, or Apple Books. These platforms handle the distribution and sale of your e-book.
Market and Promote: Implement effective marketing strategies, such as social media promotion, email marketing, and leveraging influencers or book bloggers to reach your target audience.

While e-book sales may start slow, with consistent effort and effective promotion, you can build a passive income stream that continues to generate revenue over time.

Subsection 3.2: Developing Online Courses

Description

Online courses can cover a wide range of topics, including:

Professional Skills: Business, marketing, programming, design, and other career-related subjects.
Personal Development: Health, fitness, productivity, and self-improvement topics.
Creative Pursuits: Photography, art, music, writing, and other creative disciplines.

Steps to Get Started

To develop and sell online courses as a passive income stream, follow these steps:

Identify Your Niche: Determine the subject area where you possess valuable knowledge or expertise that others are willing to pay for.
Plan and Structure Your Course: Outline the course content, breaking it down into modules or lessons, and determine the format (videos, text, assignments, etc.).
Create Course Materials: Develop high-quality course content, including video lectures, presentations, worksheets, and other supporting materials.
Choose a Platform: Select an online course platform like Udemy, Coursera, or Skillshare to host and sell your course.
Market and Promote: Utilize effective marketing strategies, such as social media promotion, email marketing, and leveraging influencers or industry experts to reach your target audience.

Section 4: Automated Systems for Passive Income

Subsection 4.1: Utilizing Software and Tools

There are various software and tools available that can automate income-generating tasks, freeing up your time and enabling you to earn passive income more efficiently.

Description

Some examples of automated systems and tools for passive income include:

Affiliate Marketing Platforms: Software that automates the process of promoting and tracking affiliate links, enabling you to earn commissions from product or service sales.
Email Autoresponders: Tools that allow you to create and send automated email sequences, nurturing leads and promoting offers without manual intervention.
Chatbots and Virtual Assistants: Conversational AI-powered systems that can handle customer inquiries, provide product recommendations, and even facilitate sales.
Content Syndication Tools: Platforms that automatically distribute your content across multiple channels, increasing reach and generating passive income through advertising or affiliate marketing.

Steps to Get Started

To leverage automated systems and tools for passive income, follow these steps:

Identify Suitable Tools: Research and evaluate various software and tools that align with your passive income goals and strategies.
Learn and Implement: Dedicate time to learning how to effectively use the chosen tools, following tutorials, guides, and best practices.
Integrate and Automate: Set up the tools and systems to automate specific tasks or processes, creating streamlined workflows for passive income generation.
Monitor and Optimize: Regularly monitor the performance of your automated systems, gathering data and insights to optimize and improve their effectiveness over time.

Section 5: Case Studies and Success Stories

To illustrate the potential of passive income strategies and inspire you on your journey, let's explore some real-life case studies and success stories:

Example 1: Real Estate Investor Achieves Financial Freedom

Example 2: Online Entrepreneur Builds Multiple Income Streams

Conclusion

Recommendation

Lead-in

If you're looking for a streamlined and proven way to earn passive income, consider automated systems that leverage the power of technology and artificial intelligence.

Product Recommendation: AMZ Automator

Brief Description

Benefits

No tech setup required
No upfront cost or hidden fees
Instant payments and commissions
Completely automated system
Proven results and success stories

Call to Action

Take the first step towards financial freedom and unlock the power of passive income with AMZ Automator. Click here to learn more and start earning passive income today:

submitted by softtechhubus to u/softtechhubus [link] [comments]

2024.05.18 23:34 Tesa_Tesanovic1988 Wellbeing as New Gross Domestic Product

Gross Domestic Product (GDP) has been the standard measure of economic growth since World War II. It is widely believed that accelerating economic growth as measured by the GDP will translate into improved living standards. However, this view is being challenged with the argument that it is better to focus on measures of wellbeing than GDP because, despite robust economic growth over the past several decades, there are still millions of citizens living in poverty.Gross Domestic Product (GDP) has been the standard measure of economic growth since World War II. It is widely believed that accelerating economic growth as measured by the GDP will translate into improved living standards. However, this view is being challenged with the argument that it is better to focus on measures of wellbeing than GDP because, despite robust economic growth over the past several decades, there are still millions of citizens living in poverty.

Besides, GDP measures perpetual growth, which is unattainable. Because GDP is an outdated proxy measure of economic growth, wellbeing, which is a multidimensional approach of measuring the most important aspects of people’s life, is gaining popularity.

Perpetual Growth

Stagflation is simultaneous economic stagnation combined with high inflation. In the long run, economic growth is dependent on two drivers; productivity and labor (Dolar). Productivity is affected by multiple factors. Improvements in many facets of productivity growth have decreased or reversed since the global financial crisis. The foremost factor is the demographic crisis of western countries that threatens the growth of GDP. Developed countries have experienced deceleration of working-age population, stabilization of educational attainment, and expansion into various forms of production. Furthermore, labor reallocation from less productive to more productive sectors has decelerated since the global financial crisis. Besides, radical disruptions to education and income losses are likely to affect human capital negatively. The waning demographics of western countries imply that acceleration of productivity growth is needed. The McKinsey Global Institute projected that 80% productivity growth is required to mitigate the effects of changing demographics (49). This projection is unlikely to be achieved given the dwindling working-age population in western countries. On the contrary, productivity growth is likely to continue decreasing because of the significant changes in the demographics unless the working-age population begins to grow again.

Perpetual Growth

GDP as a measurement is very outdated because it does not measure wellbeing. It is a statistical tool used to measure how well the economy is performing. However, it neglects important factors that determine the wellbeing, such as inequality and environmental services (Gallup). GDP as a proxy measure of economic growth ignores certain aspects that do not involve monetary transactions, does not assess changes in human capital, does not discriminate activities that enhance welfare from activities that reduce welfare, does not account for cultural difference, and omits the environmental costs and rates of depletion of resources (Giannetti et al. 14). The Measure of Economic Welfare is one of the alternatives for a gross domestic product as it measures consumption in the economy as a proxy for economic welfare. It adds up the benefits of goods and services consumption and subtracts the costs associated with the consumption, such as environmental pollution, providing a picture of economic welfare. Other economic welfare measures were developed after the Measure of Economic Welfare, such as the Index of the Economic Aspects of Welfare which incorporates environmental costs in estimating economic welfare (Giannetti et al. 15). Index of Sustainable Economic Welfare is an index developed to account for the current environmental issues while addressing the long-term ecosystem and natural resource sustainable use. More indices were developed with recent ones such as the State of Global Well-Being, the Better Life Index, and the Global Well-Being Index measuring a myriad of aspects of wellbeing. The Gallup Global Well-Being measures the behavioral economics of gross domestic product growth. It estimates the percentage “thriving,” “struggling,” and “suffering” of individuals in different countries and regions (Gallup). The indexes focus on the percent thriving in at least elements of wellbeing such as purpose (liking what they do), social (supportive relationships), physical (good health), community (liking the surrounding community), and financial (managing economic life well) aspects.
One in six adults worldwide are considered thriving – or strong and consistent — in at least three of the five elements of well-being, as measured by the Gallup-Healthways Global Well-Being Index. For example residents of the Singapore score quite low at the 19%, while New Zealand leads in Asia – Pacific with 67%.
The Gallup Global Well-Being measures have opened up new opportunities to study issues that affect people in different communities around the world in ways that GDP would not. For example, life satisfaction aspects of the Gallup World Poll data have been exploited to measure inequality in the distribution of subjective wellbeing (Gluzmann & Gasparini 2). Measuring inequality in subjective wellbeing might be complementary to the various approaches aimed at computing unfairness in a society because it may in some way have benefits over the usual income inequality measurements. Some perceived income inequalities may arise due to personal choices if all constraints are observed thus cannot be considered unfair. A case in point is when two individuals facing similar opportunities make different choices. One choice might lead to a better, healthier lifestyle while the other subjects the individual to poverty. Free choices resulting in socially acceptable income inequality should not be regarded as unfair. The assessment of subjective wellbeing is less likely to be susceptible to such differences. Under evaluation of subjective wellbeing, differences in perceived happiness may better estimate social unfairness rather than income unfairness (Gluzmann & Gasparini 4). Gallup World Poll provides data that can be used to compare wellbeing in different countries. It cures one of the most significant problems associated with compering inequality across countries and regions, namely, the generation of homogenous information. The poll poses the same question across all countries in all areas, which significantly reduces spurious differences in estimating comparisons. This reduces sources of measurement error significantly. It is noteworthy that people may not interpret and answer the standardized questions the same in different countries, leading to additional errors. However, the advantages of estimating subjective wellbeing and its rising popularity imply that improvements in the measurements will yield better results.

Technological Revolution

Usually, information and communication technologies are considered a key driver of economic growth and productivity. Different reviews indicate that technological effects tend to be positive at the organizational level (United Nations Conference on Trade and Development [UNCTAD 34]). However, it has been reported that productivity tends to drop as economies entrench technologies in every sector. In other words, the rapid digitization of economies has not translated into strong productivity. On the contrary, productivity growth appears to have stunted over the past few decades, with the slowdown more pronounced in developed countries and also in developing countries (UNCTAD 34). This is a productivity paradox because as technological advancement and use have increased, productivity growth has decreased, which is contrary to popular expectations (Remes et al.). The digitization of economies into digital economies has thus far not translated into increased productivity. The paradox in the digital economy is attributed to different reasons. A more pessimistic perspective considers the technological effects on productivity as having fewer impacts on productivity growth than the revolutionary technological advances of the past (UNCTAD 34). A more optimistic view links the slow growth of productivity to the time lags between the time the technologies are introduced and the time actual effects are felt (European CEO). As a result, more visible impacts on productivity will occur when technologies are adopted widely within the economy. An additional contributing factor to the productivity paradox is the difficulties associated with measuring the digital economy. The slow growth in productivity might be explained by the lack of proper recording of technological activities in that in overall GDP estimation. Consequently, the proper measurement would be reflected in increased productivity. In developed countries, demographic factors associated with the aging population are also linked to the slow growth in productivity (UNCTAD 34). Therefore, the productivity paradox related to the technological revolution arises from multiple factors.

Quality of the GDP

Measuring economic growth in purely quantitative categories diminishes the significance of “high-quality growth.” High-quality growth encompasses increased technological self-reliance, significant production and welfare transformation, the establishment of a comprehensive safety net for the citizens, enhancement of quality healthcare, education, and employment, and reduction of inequality across regions and various demographic characteristics (Wärtsilä). It reflects a policy change that focuses on investment areas that guarantee increased productivity, such as production, consumption, healthcare, and education (Pfeffer). The concept of high-quality growth is being advanced by China to reorganize the economy in a way that focus on increased domestic consumption and investing in productive sectors to drive the overall economic growth. For example, after decades of heavy investments in infrastructural projects and the manufacturing sector, the country realizes that roads and bridges are not productive but rather facilitates productivity. Policy change to shift investment into more productive sectors of the economy might bring sustainable economic growth and wellbeing. At the sectorial level, administrative job control is one of the main factors impacting the health of the employees (Pfeffer). The return of line of sight to the work, workplace flexibility, autonomous fusion teams, fluidity in work practices, and organizational health can elevate the personal wellbeing of the employees. The functional organization provides an environment with less stress caused by micromanagement demands from the employees. Therefore, wellbeing is a product of economic policy at the national level and the contribution of the private sector in nurturing the wellbeing of employees.

Conclusion

The failure of GDP as a measurement proxy of economic growth is less effective in contemporary society. It assumes that an economy will experience perpetual growth, which is a difficult achievement. Even where economies have experienced phenomenal growth over the years, the economic expansion failed to transform the lives of millions of citizens. The technological revolution also has been unable to expand the GDP as it was initially believed despite the fact that the significant impacts technology has had on society. It led to the conclusion that GDP has limitations as a measure of economic growth because it does not account for the non-monetary aspects that matter to people. As a result, new indexes such as the Gallup Global Wellbeing have been developed and are experiencing rising popularity due to their ability to compute wellbeing. In particular, the estimation of subjective wellbeing creates opportunities for improved measurement of social inequality. Furthermore, the realization that wellbeing is important to citizens is supporting new ideas of measuring national economic growth. China’s shift to the assessment of the quality of economic growth indicates a paradigm shift where countries focus on national statistics that reflect their economic realities.

References

Dolar, Veronika. “Why stagflation is an economic nightmare – and could become a real headache for Biden and the Fed if it emerges in the US.” The Conversation (2022). https://theconversation.com/why-stagflation-is-an-economic-nightmare-and-could-become-a-real-headache-for-biden-and-the-fed-if-it-emerges-in-the-us-179036. Accessed 21 Mar. 2022.
European CEO. “Giving a voice to the digital revolution’s silent majority.” (2019). https://www.europeanceo.com/industry-outlook/giving-a-voice-to-the-digital-revolutions-silent-majority/. Accessed 21 Mar. 2022.
Gallup. “2014 Country Well-Being Rankings.”
Giannetti, Biagio F., et al. “A review of limitations of GDP and alternative indices to monitor human wellbeing and to manage ecosystem functionality.” Journal of cleaner production 87 (2015): 11-25.
Gluzmann, Pablo, and Leonardo Gasparini. “International inequality in subjective well‐being: An exploration with the Gallup World Poll.” Review of Development Economics 22.2 (2018): 610-631.
McKinsey Global Institute – “Global growth: Can productivity save the day in an aging world?” page 49
Pfeffer, Jeffrey. “The overlooked essentials of employee wellbeing.” McKinsey Global Institute (2018). https://www.mckinsey.com/business-functions/people-and-organizational-performance/our-insights/the-overlooked-essentials-of-employee-well-being. Accessed 21 Mar. 2022.
Remes, Jaana et al. “Solving the productivity puzzle.” McKinsey Global Institute (2018). https://www.mckinsey.com/featured-insights/regions-in-focus/solving-the-productivity-puzzle. Accessed 21 Mar. 2022.
Wärtsilä. “Going beyond GDP: China targets a new path to growth.” (2021). https://www.wartsila.com/insights/article/going-beyond-gdp-china-targets-a-new-path-to-growth. Accessed 21 Mar. 2022.
Authors

Paul Lalovich

Organizational Effectiveness and Strategy Execution Practice

Tesha Teshanovich

Organizational Effectiveness and Strategy Execution Practice

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2024.05.18 23:32 Ciindy-Rella Anybody else takes a 2 liter soda and not pay for it when ordering through the portal?

I swear everytime I order a pizza through the pizza portal I always take a Pepsi and no employee never says something. I been doing this for years and I manage to get away with it all the time. Do employees know or just don’t care?

submitted by Ciindy-Rella to LittleCaesars [link] [comments]

2024.05.18 18:09 melancholy_brain What's the average time it takes to get live check serviced through ADP?

Hi, I don't want to keep bothering the front office of my job. I dont like asking them alot of questions because they say they are always busy. In fact I think I ask too many questions sometimes, and I think it frustrates people. So I'm hoping I can get Reddit's help.
When first checks are mailed I thought generally it would be delivered by Friday? I looked on my ADP online portal the check exist and has my right address. No mail Friday or today on Saturday.
I spoke with a co worker, who said their first check didn't arrive in the mail at least a week after Friday pay day. I was shocked because in the past anyone I knew that had a job and has opted to get paper checks told me they got it Friday or at the latest that Saturday.
Something else I saw when trying to research this online is that sometimes ADP mails "live" checks to employers and not directly to the employee. So any hold up may be the company I work for and not ADP itself? Why does the 1st payment have to be a live check? Even with my direct deposit info in the system.
This it all frustrating. Employers should let people know you may not get paid a week or two until after your actual pay day.

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2024.05.18 15:45 catlaxative Try to switch careers and become a nurse, now?Looking for advice

I am a lot. I’ll try to compress it as much as I can, but there’s a reason I’m asking this to this community. I’ll attempt a tl;dr at the bottom
I work in a kitchen at a retirement home, it can be difficult and thankless, but I can keep my head down and plow through most days. I’m a transwoman, which relevancy depends on the moment. Right now, I mask up, and I’m pretty much the only one, to protect myself and my family, (residents/staff still regularly get quarantined/call out for covid or other things, everyone has a cough they can’t get rid of, even the college kids) it also helps with passing as a woman more fluidly which was a nice side effect but now I stand out in other ways that is making people close off to me. Maybe it’s my imagination, but with the anti-mask rhetoric from surrounding states, along with all the anti-trans stuff coming down the pike, I’m not sleeping well. But my job, at the moment, is fine, I know there are places that want to treat me worse just as an employee. De-transition is on the table, right next to the razor blades.
Occasionally, I work in the memory care area, fixing meals for folks that are pretty much existing moment to moment, and honestly it’s a tough position as far as trying to take orders, and preparing them to the consistency of their diet and cleaning messes, etc. but it’s another day another dollar for me to toss into the fires of capitalism. I am an introvert but I have worked customer service for a while and I can be ready good at schmooze, even if it’s exhausting. One of the LPNs on duty has taken notice, to the extent of communicating to some managers how well things run when I’m at the helm, and has started telling me that I should be a nurse, “because [I’m] so good with the residents.”
My job does have benefits that include paying for certifications and schooling. It’s possible. But can I handle it? I’d never considered it until the LPN put it in my head, now I feel like having a goal, even futile, will give me something to focus on, even if I know the reward is riding the conveyor belt for the cake in Portal (into the fire, if you don’t know the reference) because I’m schmoozy? Aren’t nurses exploited now more than ever? I’m where I am until things become bad enough to shunt us along one way or the other, but maybe I can have a year where all my bills are paid, or die at the front lines of the next pandemic still broke and exhausted? Any healthcare folks, nurses, anyone please chime in! Both cis and LGBTQA perspectives honored!
PESSIMISM ENCOURAGED
tl;dr Is nursing a worthwhile goal despite possible gender roadblocks and also what kind of a fucktackular shitcircus is our… troubled… healthcare system going to look like in like 2 years?
tl;dr2 mtf passenger become crew in crashing plane?

submitted by catlaxative to CollapseSupport [link] [comments]

2024.05.18 13:03 d8gfdu89fdgfdu32432 Not having children is the only way to end capitalism and fix the cost of living and housing crisis

It's the only way to break the system. Politicians will do nothing to fix the problems. Most people can't protest due to being unable to go long without income. Rioting will have a riot squad sent after you. However, having children? There's nothing the government can do to force you to have children, and it even saves you time and money and improves quality of life (in first world countries).

Why is population decline important?

By having children, we are just fueling the system and keeping it alive. Why would capitalists ever do anything if their population keeps growing and they keep getting richer? Capitalism relies on constant population growth for sustained economic growth. Most economic models assume constant population growth. Without that, economies would stagnant or fall. A study found that an annual population decrease of 0.5% would cause a population to stagnate. Larger decreases would result in economic decline. The foundation of capitalism is basically economic gain. Economic decline is essentially killing off capitalism.
If economies stagnate or decline, inflation would eventually stop and deflation could occur. Stopping inflation is effectively stopping the cost of living from rising. The aforementioned study also found that GDP per capita rises as population declines and that in the long-run, GDP per capita would rise to 7.4 times the values from January 2020 if population declined by 1% annually. Both of these occurrences would solve the cost of living crisis.
Population decline would also solve the housing crisis because a constant supply of housing would enter the market from people dying and demand would constantly fall from a shrinking population. Supply would eventually exceed demand, making housing affordable.
https://preview.redd.it/4du22dboua1d1.png?width=750&format=png&auto=webp&s=85e950d76c82ffc138df2ada029d866054354a69
Employers would also need to treat employees better because people will keep becoming scarcer, which causes people to become less replaceable and more valuable. A shrinking population causes more vacancies, which opens up more options on where to work (relative to population size). Also, with GDP per capita increasing to 7.4 times Jan 2020 levels, people will have far more money. This means that work becomes much more optional. Essentially, the more options people have, the less power employers have, which changes the dynamic to employees being in power. Don't like your job? Just quit. This forces companies to compete to attract workers. Those that fail to adapt will eventually go out of business.
Governments are also placed into a situation where they are forced to fix population decline. They only have 2 options:

Fix population decline, or
Go extinct and experience economic decline

I assume they would take the 1st option since even the countries with the lowest fertility rates, e.g. South Korea and Japan, are trying to fix their population decline. This means addressing the root causes, such as poor work life balance, high cost of living, and etc. They have tried throwing money at the problem and found that it's failing completely.
Finally, the environment would be better since a smaller population means lower consumption and hence impact on the environment.

How close are we to population decline?

Actually, not that far. There are several projections for world population. Most of them show the decline starting in 2050-2060. The 2022 UN projection shows 2100 but more recent fertility rate data shows fertility rates have fallen much faster than the UN predicted, so the UN low variant projection is likely more accurate.
https://www.eurekalert.org/news-releases/983253
https://preview.redd.it/tiwqmao7s51d1.png?width=590&format=png&auto=webp&s=75e43f956c3678136077eb07c848f160bb2c12b6
However, there's a large detail that these projections don't show: almost all future population growth comes from undeveloped countries, particularly Africa. For example, the UN mentioned that "Countries of sub-Saharan Africa are expected to continue growing through 2100 and to contribute more than half of the global population increase anticipated through 2050." If Africa was excluded from these projections, the world's population would already be declining in 2030. Considering not much immigration comes from Africa, it would be fair to exclude it for most developed countries.
Also, fertility rates are falling much faster than all of these studies anticipated. For example, Lancet00550-6/fulltext) predicted South Korea's fertility rate to remain at 0.82 all the way to 2100, but it's already at 0.72 and projected to fall to 0.68 in 2024. Another example is China. Lancet predicted its fertility rate to fall from 1.23 in 2021 to 1.16 in 2100, but it was already at 1.09 in 2022. Due to much faster fertility rate decline, world population (excluding Africa) may start declining before 2030.

Criticism

Many people will bring up immigration as a solution to population decline but the top 2 countries which immigrants comes from are China and India. Both of these countries have been projected to face population collapse in the future, so immigration would also be lower. Basically, if the fertility rate of emigrating countries fall, there would be less people emigrating from those countries. Immigration can only delay the inevitable. As world population falls, there will be less and less people available for immigration.
Another issue are higher pensions due to an aging population but that would be insignificant compared to the gain from higher GDP per capita and home ownership. Think about it. Lower mortgage repayments and not having to pay rent for decades saves you far more than a pension. Also remember that GDP per capita was predicted to increase to 7.4 times January 2020 levels, which means having 7.4 times more money.
Many people have pointed out that convincing people to not have children is extremely difficult. I also agree. This post is more so to discuss my theory rather than convince people not to have children. Whether I convince people or not doesn't matter. World population is already projected to fall. Not having children would speed it up but it would occur regardless.

submitted by d8gfdu89fdgfdu32432 to antiwork [link] [comments]

2024.05.18 07:42 shrugir Cruise Booking API

Cruise Booking API - One Stop Solution for Travel Needs

In today's digital landscape, APIs play an essential role in enabling organizations to exchange information and provide value-added services. Cruises are one of the fastest-growing travel products. Cruises are a common need for luxury travel packages and are very popular. The cruise industry, like many other industries, has undergone massive transformations as a result of state-of-the-art technology.

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2024.05.18 05:16 californiadreamer Recommendation for tech stack for small business serving students

Posting on behalf of my father, a relative luddite with low ability to manage tech complexity, who has started doing very well in his business in his 60s. However, it is growing faster than what he can manage. I am trying to figure out how he can digitize / automate some of the work, so he can manage more of it. I would love to get recommendations on what tools / software makes most sense for his context.
His context:

Small business (< 20 employees in SE Asia) helping low income students get jobs abroad for summer holidays
Most important features needed:
- A tool to manage all the student data (college, country of choice, status, etc.) and assign work to his employees / track any issues
- A portal for the students to create accounts, upload documents, and see what is remaining
- Some way for him to send automated reminders if forms have not been submitted / docs havent been uploaded
- Relatively cheap, off the shelf tools

Approaches I have considered:

Airtable to manage the data, OneDrive to create individual folders for each student to upload files, and Zapier to automate some stuff -- downside is that there is no client portal and it might get too complex for him to manage three different tools
Zoho CRM to host everything -- however, not sure how to create the student portal to check status and send files

Are there any other tools / approaches I am missing? What would you recommend? How should I go about looking for a customer portal that can be used to upload files and check status / what keywords to use?
Thank you!

submitted by californiadreamer to Entrepreneur [link] [comments]

2024.05.18 00:44 CNIS-Azerbaijan-Baku "Azerbaijani land borders have been closed since spring 2020 as part of pandemic control measures. Despite objections from the opposition and activists regarding the illogical closure of land borders for four years, the authorities have not taken them into consideration…”

“Despite objections from the opposition and activists regarding the illogical closure of land borders for four years, the authorities have not taken them into consideration…”
(Lack of) Human Rights and Freedoms
Elkhan Aliyev, an activist from the Azerbaijani Popular Front Party (AXCP), who has been imprisoned for 10 months, has announced that he will start a hunger strike to the death. At the Baku Court of Appeal, he declared that beginning on May 15, he will refuse both food and water. An AXCP official explained that Aliyev is taking this drastic step to protest his unlawful imprisonment. According to Aliyev, he has been detained for 10 months on political orders despite not committing any crime.
Reports indicate that Alasgar Mammadli, the founder of “Toplum TV,” an internet television channel, and its corresponding portal, as well as an expert in media law, has seen a decline in his health while in prison. This information was conveyed by his family members. Nasimi Mammadli, his brother, highlighted that despite suffering from a severe illness, Alasgar Mammadli has been unable to access treatment. According to Nasimi Mammadli, a previously prescribed treatment regimen has concluded, yet no steps have been taken to continue it. Approximately 10 days ago, Alasgar Mammadli was taken to the Penitentiary Service’s Treatment Facility for tests, but neither he nor his lawyer has been informed of the results. Nasimi Mammadli noted the lack of conditions for a needle biopsy of the lump in his brother’s throat, specifically related to the thyroid gland. Alasgar Mammadli continues to experience difficulty breathing, sleep disturbances, and a sensation of suffocation when lying down. His blood pressure is elevated, and he has encountered voice problems and heavy breathing. Despite his urgent need for medical attention, Alasgar remains detained without evidence, leaving him feeling as though he is being held hostage.
As disclosed by his lawyer, Agil Layij, the inquiry into the criminal case involving opposition figure Tofig Yagublu is set to wrap up this week. Today, investigator Abdulla Jalilli convened with Tofig Yagublu at the Baku Detention Center and presented the ultimate indictment. The investigator is anticipated to finalize the investigation decision within this week. Subsequently, legal representatives will scrutinize the investigation materials next week. It is probable that the case will be forwarded to court by month’s end. Tofig Yagublu refutes the allegations leveled against him.
The journalist Nargiz Absalamova, an employee of “Abzas Media,” has been denied house arrest once again. This update comes from her lawyer, Rovshana Rahimli. Despite the lawyer’s efforts, the Khatai District Court has declined the request to replace the journalist’s detention with a non-custodial measure. Nargiz Absalamova has been in custody for nearly six months, purportedly for the sake of an ongoing investigation.
Natig Mehdi, a member of the Musavat Party and a candidate running for the Party chairmanship who withdrew from the race a few days prior to the congress, has been killed. According to the Ministry of Internal Affairs press service, Natig Mehdi had been missing for four days. The last known sighting of the Musavat member was on May 10 when he left his residence in his personal vehicle. Concerned relatives of the activist had filed a report with the police department of the Khatai district to locate him. On May 14, law enforcement authorities confirmed his murder. The Ministry of Internal Affairs alleges that 60-year-old Natig Mehdi was killed by his colleague: “There are significant suspicions that Natig Mehdi, was murdered by his colleague Elsever Islamov due to personal reasons. Elsever Islamov was apprehended by the police and taken in for questioning.” The Musavat Party congress took place on May 4, during which Isa Gambar was re-elected as the party’s chairman.
On May 14, 2024, a session of the Azerbaijan Democracy and Welfare Party (ADR) Board of Directors convened. During the session, a resolution was passed to adhere to the stipulations outlined in Article 4.7 of the Law of the Republic of Azerbaijan “On Political Parties,” leading to the suspension of the party’s operations. Article 4.7 of this law prohibits political parties from functioning without state registration. Consequently, Gubad Ibadoghlu, the party’s chairman, had previously issued a directive on January 12, 2023, dissolving the party’s central executive bodies and discontinuing the activities of designated officials, thereby assuming responsibility for this decision. Recognizing the imperative to align ADR’s operations with the statutory requirements of the Law “On Political Parties,” the Board members resolved to suspend the party’s activities due to its lack of registration. In light of this development, Party chairman Gubad Ibadoghlu, who was released from nine months of imprisonment and placed under house arrest, has opted to take an indefinite hiatus from his political engagements due to severe deteriorations in his health, particularly irreversible cardiac issues. Gubad Ibadoghlu extends his appreciation to the party leadership and members who stood in solidarity with him throughout his tenure at ADR, especially acknowledging their support during his period of incarceration.
Meydan TV reported that it has advanced to the finals of the 2024 World Justice Challenge. Dedicated to impartially reporting news in three languages on events in Azerbaijan and globally, Meydan TV is among over 400 contenders, and the winner will be announced in early August. Presently, there are five other finalists in the media and information category from Mexico, Venezuela, Argentina, Ghana, and Albania. Meydan TV stands as the sole representative from Azerbaijan and the broader South Caucasus in this competition. Established in 2013, the TV’s mission is to inform engaged members of society about political, economic, and social matters, fostering open dialogues on pertinent issues within Azerbaijani society. According to Meydan TV’s statement, despite its impactful endeavors, the Azerbaijani government has persistently targeted the organization, initiating legal proceedings against its leadership and imposing a ban on its journalists from leaving the country for over four years. Currently, access to the website of Meydan TV remains restricted in Azerbaijan.
The State Border Service (SBS) reported that on May 14, a total of 36 Azerbaijani citizens were detained. Twelve individuals, including eight minors, were apprehended within the service area of the “Gazakh” border division, while 24 individuals, including 16 minors, were detained within the service area of the “Shamkir” border detachment. According to the SBS, these individuals were detained while attempting to cross the state border from Georgia to Azerbaijan. The State Border Service (SBS) released photos, including those of young children, to the public and indicated that operational and investigative activities are ongoing. However, no additional information was disclosed. It is presumed that the individuals detained were trying to cross the border on foot due to financial constraints preventing air travel. Azerbaijani land borders have been closed since spring 2020 as part of pandemic control measures. Despite objections from the opposition and activists regarding the illogical closure of land borders for four years, the authorities have not taken them into consideration.
Governance and Corruption
The involvement of a third party has emerged in the case implicating Henry Cuellar, a member of the US House of Representatives, and his wife Imelda Cuellar, accused of accepting bribes from Azerbaijan. This individual is identified as Irada Akhundova, a citizen of Azerbaijan. Irada Akhundova has been convicted of unlawful conduct as an agent for the Azerbaijani government and the State Oil Company: “This constitutes a breach of the Foreign Agents Registration Act. Akhundova confessed to aiding Imelda Cuellar, the congressman’s wife indicted in April, in making a $60,000 payment.” It is reported that Irada Akhundova has agreed to testify in any legal proceedings, including before a grand jury, and to provide documents pertaining to the federal government’s investigation into the Cuellars as part of a plea deal. She faces a potential sentence of up to 5 years in prison and a fine of up to $250,000. Irada Akhundova was honored with the “Progress” medal in 2021 by President Aliyev for her contributions to fostering friendship between nations and advancing the Azerbaijani diaspora.
The Baku City Executive Authority has again declined permission for the rally scheduled by the National Council of Democratic Forces on May 19. According to the National Council, the executive authority cited ongoing repair work at the Yasamal Sports and Health Complex stadium mentioned in the rally request. Concerning the squares in front of the “28 May” and “Nariman Narimanov” metro stations, it was highlighted that these areas witness heavy pedestrian and vehicular traffic. Thus, holding gatherings there would lead to traffic congestion and impede citizens’ freedom of movement. Notably, the National Council had expressed openness to considering alternative locations suggested by the Baku City Executive Authority in their request. However, the executive authority did not propose any alternative venues to the opposition bloc.
https://preview.redd.it/jelod0wve21d1.jpg?width=720&format=pjpg&auto=webp&s=6ac847b2d7388e9a3105535f22a72bbc600fa69e

submitted by CNIS-Azerbaijan-Baku to CNIS_Baku [link] [comments]

2024.05.17 22:44 Jackfish2800 Patience everyone, this is a journey not a simple disclosure

It’s readily apparent from those of us that have followed this, voluntarily or otherwise, (experiencers, abductees, government employees, UFO enthusiasts and investigators) for last 50 years or so that this is part of “soft disclosure” effort that’s going on right now. Scientific research has been going on at this site by the government for decades. I always smirk when I hear them say that Bob Bigelow’s team failed. They did not. They identified the portal and surrounding anomalies and then handed the project over to the present team to bring the “baby home. “
I am sure that they have a schedule to follow, whether they all fully understand and realize that or not. They are likely to only be allowed to disclose so much information a year. Maybe the others are even in on it.
In 2027 or whatever year it’s supposed to happen they will break into the massive underground tunnels and find the answers, etc.
All we can do is sit back and enjoy the show.

submitted by Jackfish2800 to skinwalkerranch [link] [comments]

2024.05.17 22:34 Ok_Comedian_582 Charge is eligible for ADR

Hi fellow wronged employees,
Filed several charges against a major corp & instead of it going to mediation it when into investigation first. “It said the eeoc office is collecting evidence”. Now after three weeks we are able to mediate. What happened? I thought it always went to mediation first. Did my former employer fight back first? I see nothing about a position statement or anything from their end in the portal. This whole process has taken less than 6 weeks which is kind of insane to me.

submitted by Ok_Comedian_582 to EEOC [link] [comments]

2024.05.17 21:41 lookinthedark Hoping for a review / input on our overall financial picture (long post)

Hi PFCers, Long time lurker. I was hoping to lay out my and my spouse's overall financial situation to get input and advice on best future steps. I'm not 100% sure what the best way to do this is, but I will take a crack. I will note:
(1) generally I believe we are in a good position, this more for advice from unbiased third parties mostly on the "Future Plan" section (but open to all advice); and
(2) while my wife and I have worked very hard, we recognize the silver spoon and opportunities of the privilege we both had with respect to middle - middle/high class upbringings, university paid for, etc. A lot of people are not afforded these opportunities and it is not lost on either of us.
(3) below I make reference to my / my wife's or my / hers. While I do have more financial literacy than her, we are building her knowledge up and she is using brokerages herself. We noted our financial situation coming into the relationship and that everything is 'ours' and split evenly. We have the same goals. I just wanted to highlight this in case there were comments about why I split it out below. It is just for ease of me looking it up and in case there is specific things we should be doing where 'who' an account is under matters.
SALARY / EXPENDITURES
I (33M) currently gross $123,000 and have a defined benefits pension plan. My spouse (31F) grosses ~92,000 + a variable bonus anywhere from $1,000 to $12,000...really depends on the year (we typically don't plan for it). She also contributes to a stock purchase plan and a small defined contribution pension plan.
Our net salary is ~$71,000 for me and ~$56,000 for her, combined: $127,000.
I've historically budgeted at a very discrete level (tracked expenditures is a better term for what i actually did), but have since moved away from that. My estimating is fairly accurate for normal expenditures within a few %. All expenses (from mortgage, property tax, vacation, to toilet paper) is ~$99,000. Therefore our net money for savings or larger purchases each year is $28,000.
With that left over money we look to max out our TFSAs $14,000 total based on this year. Because of my pension I have ~$4,000-$5,000 RRSP room/year and my wife has ~$7,000/year. Depending on what is planned/bonus amount and income tax bands we currently try to contribute at least that amount/year, sometimes a little more to my wife as she has some additional contribution space. Anything else goes to our non-registered accounts.
ASSETS / LIABILITIES
Bank (combined):

$4,500 - chequing account - 0% - to ensure daily minimum for no fees
$27,000 - HISA - 2.25% - with the above, this is our emergency fund (4-6 months depending how we adjust spending)
$20,000 - GIC - 4.75% (comes due mid/late 2025)
$20,000 - GIC - 5.45% (comes due mid/late 2025)
$35,000 - GIC - 5.05% (In TFSA) (comes due mid/late 2025)
TOTAL: $106,500

Brokerage:
Unless otherwise noted, accounts are ~80% market ETFs like VEQT, XEQT, XAW, XEC, VCN, VT. Currently investing in XEQT/VEQT and VT if I have USD.

$118,000 (my TFSA)
$43,500 (my RRSP)
$190,500 (my non-registered)
$82,500 (her TFSA) - 50% market based, 50% tech based, all mostly US
$44,000 (her TFSA)
$20,000 (her RRSP)
$15,000 (her spousal RRSP)
$12,000 (her non-registered)
$40,000 (her non-registered employee stock purchase plan equity) we withdraw some occasionally
TOTAL: $565,500

House:

Bought for $816,200 - very hard to get comparables for a variety of reasons. I assume it is worth less in today's market, but we have no intent to move so I just leave this as the value.
Mortgage $544,000 remaining @ 1.65% - renewal is November 2025
House is generally in good shape, no major expenditures planned

Vehicles:

2018 car - $2,500 remaining @ 0% - will be paid off November 2024 - estimated $17,000 value
2011 SUV - paid off - fairly good shape, no AC - estimated $5,000 value (possibly lower due to no AC)

TOTAL ASSETS: $1,510,200
TOTAL LIABILITIES: $546,500
Future Plan
We are expecting a few changes coming up which will affect our lives. Namely:

An aunt passed away with no other family leaving us $100,000 with the desire we put it towards our mortgage which we will do when we renew. This amount is not in the above information, but once we receive it we will put it in a GIC/cash.to or something.
We plan to replace the SUV in 1-2 year's time. We are not sure with what yet, new/used, ICE/hybrid/electric, haven't looked into it. Main reason is the next bullet, and because of its age/no AC. We will have an additional ~$4,400/year as I finish my car payment this year.
Planning to have our first (ideally of two) baby in the next 1-2 years. We have no idea how much this will cost with respect to expenses, but also my wife doesn't get any salary top up from the employer, only EI. Luckily we have family who have hand-me downs.

So this is what we are planning:

When the mortgage is up for renewal, we will apply a lump sum of the $100,000 inheritance.
Depending on what mortgage rates are at that time we will also put between $0 and $75,000 (the GICs) paid towards the mortgage. If they are outrageous we may sell some stock as well, but I don't expect that to be the case. This likely will also allow us to have a lower mortgage monthly payment during the next term compared to now.
Strive to continue TFSA contributions (I will have a large amount of space because of the TFSA GIC), but likely slow down on RRSP/non-registered account contributions. The money would be put into cash.to or similar, something fairly liquid, but paying some interest. This would be used as needed to support the new vehicle purchase / our baby.
My wife would take likely 18 months of leave for the baby. Therefore $84,000 net income is not gained, offset by ~$22,000 net EI payments (I believe). We plan for her to sell all her employee shares during this time to minimize capital gain tax impact during the 18 months of low income and supplement her salary.
I set up a spousal RRSP for my wife as I will have a larger pension than her and read it could be beneficial for some gap years before pension splitting kicks in. I will likely split my RRSP between mine and hers as I plan to retire and defer my pension a few years allowing it to be maximized and I will then live off withdrawing from the RRSP for those years of no income.

So that's it. Long post, but I wanted to put everything out there. I would love to hear any and all suggestions on changes / criticisms / improvements / etc. Also if there is a way I should have reformatted this post as I may do it again in a few years. Maybe specifically:

Is there anything we are missing or not accounting for? Any major likely risks?
Does anyone have an idea of what a baby costs within the first 12-18 months (before daycare). Any big tax refunds/deductions?
Does anyone have an idea of how your expenses change when you have a baby (example less vacation?)
Is contributing to TFSA / RRSP as described the right approach for our position, especially with the pension?
Is there anywhere else I should be putting money, again especially with the pension, that would allow more favorable tax rates in the future?
Does anyone have recommendations for replacing an SUV haha

submitted by lookinthedark to PersonalFinanceCanada [link] [comments]

2024.05.17 17:39 bepisjonesonreddit Welcome! Or, Why We Need Each Other!

Hello, tutor.com team! As we’re sure a lot of you know by now, thanks to the flurry of recent activity on this subreddit, we have started organizing as employees in order to stand up for ourselves against the company’s unfair and punishing demands. As a result, we are now on the verge of forming something that I’m sure many of you will have heard of, and have a reaction to (either positively or negatively): a union.
Yep, it’s the big “U” word. Many of you have probably heard the term, but don’t know exactly what it implies; others might think it means something it doesn’t; and a few of you might be wondering what we’re talking about at all. So, we’ve decided to take the time to give a brief overview of what, exactly, a union IS, and how it applies to tutor.com.
A “labor union” is, by definition, “an organization of workers whose purpose is to maintain or improve the conditions of their employment” (Webb & Webb), or, more simply, an official group of coworkers who want their job to suck less! The words “Official” and “Organization” are doing heavy lifting here; unions aren’t just a bunch of people working as a team – they’re official entities, as real as the corporations they exist within.
Now, the term “labor union” probably throws a few of you off: “we don’t do labor, just online math, writing, teaching, etc.!” Keep in mind, “labor union” is a HISTORICAL term, not a descriptive one; the first modern unions in the United States grew out of 18th-century strikes (coordinated decisions not to work) by Philadelphian printers, who in 1786 chose to stop working until they received a fair wage of 6$ a week (Selig). Most unions throughout American history were composed of manual laborers, yes, but in 2024 “[t]here is really only one industry: providing goods and services” (IWW). We, as tutors, provide services.
So, a union is a legal organization inside an industry run by and for its employees. By now, some of you are probably yawning; 300-year-old printers and being nice to each other don’t mean much when you’re struggling. Therefore, we’ve put together some early-stage benefits to joining our union. These are not EVERYTHING, just a few things we have right now:
-A net increase in pay (even WITH dues paid to the union, which we’ll get to later)
-Defense for all employees in the case of retaliation by management
-A welcoming community with information relating not only to organization but to tutor.com basics
-And a commitment to fighting for our 6-point list of demands to tutor.com – stay tuned!
This, of course, does not come out of nowhere. While unions do tend to have dues, and there will be some small fees associated with our organization (tied DIRECTLY to your actual pay from tutor.com, and a very low percentage), any dues charged will be small compared to the financial benefit you will receive from unionization. Keep an eye out for a detailed post by zpfgot later on.
Finally, some of you are probably wondering: “if this is all upside… why NOT just hop on board?” It’s worth pointing out that there is a real history of anti-union sentiment and behavior in America in particular, dating back to those 18th century printers (who were jailed 20 years later) allllll the way to recent news stories. Signing up here is not risk-free; it does come with the possibility of retaliation by tutor.com. But, let’s do a little practice experiment and follow it up with a meme:
If Santa’s workshop has one elf, or five, who stop working in July, it’s not really a big deal for Santa. He has loads of time to replace them with other elves, or even make the existing elves make a bunch more toys to make up for the missing ones. He can take that.
If Santa’s elves group up, talk to each other (without him knowing), and, in groups of hundreds and thousands, walk out of the workshop in December… suddenly, he’s not as jolly. THAT’S what we need to do. The more of us there are on this union, the more powerful it becomes – NOT just because of fees from members, but because when tutor.com realizes how many of us won’t stand up for their bullying, soon they’ll only be left with the people who WILL.
And that’s a way smaller number than they think.
Still too dense? Have this:
https://i.kym-cdn.com/entries/icons/original/000/032/196/apes.jpg
(Wyatt)
So, if this sounds like something you’re interested in, reach out to us! We’re currently being a little picky with who we add to the team, because one bad apple can make for a VERY spoiled pie, but any support helps!
Sources:
Industrial Workers of the World. One Big Union. Chicago: Industrial Workers of the World.
Perlman, Selig (1922). A History of Trade Unionism in the United States. New York: MacMillan.
Webb, Sidney; Webb, Beatrice (1920). "Chapter I". History of Trade Unionism. Longmans and Co.: London.
Wyatt, Rupert (2011). Rise of the Planet of the Apes. 20th Century Fox.

submitted by bepisjonesonreddit to tutordotcom [link] [comments]

2024.05.17 17:34 TheMoatInvestor Olectra Greentech Business Analysis

Business
Industry overview
Operating metrics
Financials
Points to consider

Business
Olectra Greentech started in the year 2000 to takeover the telecom business of Goldstone Technologies as part of restructuring programme undertaken by the Goldstone Technologies by Venkateswara Pradeep Karumuru. In 2015, they started electric-bus manufacturing division. In 2017, they completed homologation of first e-bus. Olectra procures e-bus batteries, chassis, sub-assemblies from Chinese electric vehicle maker BYD.
Currently, they have an annual capacity of 1500 electric buses , mainly 7m , 9m, 12m electric buses. Recently, Olectra has started selling electric tippers also. Olectra electric buses have covered cumulative 10 crore kilometers on road.
Olectra mainly caters to orders of different state transport units (STU) orders who are heavily converting their old fleet to electric buses.
https://preview.redd.it/pmq5g8yo701d1.png?width=689&format=png&auto=webp&s=cace710616845f57b6ca3f84a5f0ed527e006901
https://preview.redd.it/9msxhsnq701d1.png?width=758&format=png&auto=webp&s=c5f38c0a904376e3edc3347388bc55a155ed01b8
Industry overview
Global trends
The growth triggers for Electric bus adoption across the world is goal to achieve net zero emissions . China accounts for 90% of new electric bus and truck registrations worldwide. The electric trucks accounted for just 0.3% of global truck sales in 2021. Currently, battery supply chains are concentrated around China, which produces 3/4th of all lithium-ion batteries.
In 2021, the global electric buses count was 6,70,000 and electric heavy-duty truck count was 66000. This represents about 4% of the global fleet for buses and 0.1% of global heavy-duty trucks (HCV). Electric bus penetration in India (1.2%) is at par with US ( 1%)
Indian Electric bus industry
Indian govt policies that positively affect the electric buses industry are - FAME subsidies -PLI incentive schemes -Smart cities mission.
Apart from that, respective states have EV policies under which they are offering road tax exemption, registration fee exemption, preferential electricity tariffs for charging.
India is running FAME subsidy for electric vehicle purchases. Currently, there is a subsidy of Rs 20000/ KWHr for an electric bus/ truck under FAME II, so for an average 250KWHr battery bus, it comes around Rs 50 lakh subsidy ( 1 electric bus cost around Rs 1.4cr). But FAME II subsidy is going to end in Mar '24, and no indication from govt to further extend it.
https://preview.redd.it/v1ppvnmu701d1.png?width=582&format=png&auto=webp&s=760d9986597daa7ce345c83b9275dd902eecf95f
Industry drivers/ EV Ecosystem
So price of an electric bus being Rs 1.4 cr, there is a high price differential between electric bus and a IC engine bus ( cost of electric bus being 1.5-2x of diesel bus), leading to few takers at this high price. Most customers of electric buses are state transport units ( STUs) who are converting their old fleet to electric.
Another factor for low adoption among private players is few financiers are financing this high ticket loans. As we know, private operators buy commercial vehicles ( bus/ truck) on loan and pay the EMI from profits made from operating the asset ( vehicle) on road. They never buy it upfront.
Cost of operating an electric bus is much lower than that of IC engine bus, so operating economics are in favor of owning electric bus , plus there are ongoing incentives under FAME II ( 50 lakh) which makes it further lucrative.
Charging infra availability ( for adoption among inter-city route buses), type of charging and charging time required, cost of battery pack coming down in future or not will govern the pace of future adoption trends of electric buses, amongst the private players.
As we see, battery cost is 40% of total vehicle cost, which depends on Lithium, the main raw material used in batteries. Currently, lithium batteries being imported costing huge amounts. Though some global battery manufacturers are setting up plants with collaboration of Indian partners, lithium has to be sourced from outside which makes it costly affair.
https://preview.redd.it/pfvuti3z701d1.png?width=571&format=png&auto=webp&s=7e238b2b68f0c167eff69c8afc39c8b411fb004a
Operating metrics
Olectra sold 580 buses in FY23 and 541 buses in FY24. They have 10969 orders in hand as on Mar '24. Olectra has acquired a 150 acre land in Telengana, to set up a greenfield plant,which will increase the capacity to 5000 nos./ year in first phase, and later to 10000/ year. Features of 4 models of buses are enlisted below, with range varying from 150km to 300km. Tata Motors has 3000Nm max torque and 245kw max power in 9m bus vs 800Nm max torque and 180kw max power for Olectra 9m
https://preview.redd.it/gxvu3rb3801d1.png?width=464&format=png&auto=webp&s=ad67c9bcc17b27bbbe15864ac932f52ec4a2a660
https://preview.redd.it/ctfd1gm5801d1.png?width=675&format=png&auto=webp&s=c50d0a9f98d8a0c9a450ebdb957e1e1c8b0eba1d
Financials
Segment wise revenues
e-bus divn 1010cr (4.6% up yoy) Insulator divn 140cr ( 15% up yoy)
Total revenue from operations 1150cr in FY24. ( 5.5% up yoy) Adj. EBITDA margins 16.1% vs 14.1% LY. EBITDA 185cr vs 150cr. PAT 80cr vs 67cr LY. PAT margins 6.8% vs 6.1% LY.
https://preview.redd.it/wpmzvc19801d1.png?width=766&format=png&auto=webp&s=87aa57824ea965069e86157c0cc810fcb5617c5d
https://preview.redd.it/ntn07xla801d1.png?width=742&format=png&auto=webp&s=34ea38a008c7796f9aa8b7ff6c62b9930433648b
https://preview.redd.it/ylts470c801d1.png?width=760&format=png&auto=webp&s=173361588601313af5dc6a0927fefb3defc8dfa4
https://preview.redd.it/bbjjbskd801d1.png?width=753&format=png&auto=webp&s=3f5aeb30aff2f1a20297104dc11a36bb02ca39fa
Major expense heads
Cost of materials 850cr Employee cost 69cr Testing &other exp 52cr
Balance sheet
Trade receivables 510cr ( revenues 1150cr) quite high as it is a B2G business ( most customers are State transport units- STUs) Trade payables 390cr Inventory 210cr
Cash conversion cycle increased from 79 to 86 yoy, debtors days at 162 days.
Debt to equity 0.21 , total debt 200cr. Provisions tad high at 30cr.
Net cashflow from operations 140cr vs EBITDA of 185cr.
Points to consider
Entire business depends on govt supply, as customers are STUs, some of which are sick units. One or 2 customers defaults in payments disturbs the entire profitability.
Also during times of distress, receivables days increases drastically, affecting liquidity and increasing working capital days .
Olectra imports parts from Chinese manufacturer BYD, hence reliability on BYD is there.
Since cost of e-bus is north of 1.5 cr, availability of finance is limited, leading to weak adoption amongst private bus operators. For private operators, it is a business which they operate based on loans and EMIs are paid out of regular cashflows out of utilisation of that bus.
Unless there is mass adoption amongst private bus operators, business depends on STUs.
Due to these constraints, market leaders Tata/ Leyland not aggressive in e-buses. Once credit will be easily available, Tata / Leyland will become aggressive and might sweep the market away.
EV penetration in buses in India is at par with US, so it is not going to skyrocket from here on, given the cost of e-bus, there will be very few private takers at this cost. Unless, some huge cost improvements in battery pack occurs.
Huge order book of 10969 buses -lot depends on order execution via new upcoming plant in Telengana.

submitted by TheMoatInvestor to IndianStreetBets [link] [comments]

2024.05.17 17:34 TheMoatInvestor Olectra Greentech Business Analysis

Business
Industry overview
Operating metrics
Financials
Points to consider

Business
Olectra Greentech started in the year 2000 to takeover the telecom business of Goldstone Technologies as part of restructuring programme undertaken by the Goldstone Technologies by Venkateswara Pradeep Karumuru. In 2015, they started electric-bus manufacturing division. In 2017, they completed homologation of first e-bus. Olectra procures e-bus batteries, chassis, sub-assemblies from Chinese electric vehicle maker BYD.
Currently, they have an annual capacity of 1500 electric buses , mainly 7m , 9m, 12m electric buses. Recently, Olectra has started selling electric tippers also. Olectra electric buses have covered cumulative 10 crore kilometers on road.
Olectra mainly caters to orders of different state transport units (STU) orders who are heavily converting their old fleet to electric buses.
https://preview.redd.it/ok4yqyyk701d1.png?width=745&format=png&auto=webp&s=c287cfb90f91361427b078b829c554baeb938e9c
https://preview.redd.it/gjok3j3r701d1.png?width=758&format=png&auto=webp&s=cc8a88d121b9576edc32f97705a30847eed1574d
Industry overview
Global trends
The growth triggers for Electric bus adoption across the world is goal to achieve net zero emissions . China accounts for 90% of new electric bus and truck registrations worldwide. The electric trucks accounted for just 0.3% of global truck sales in 2021. Currently, battery supply chains are concentrated around China, which produces 3/4th of all lithium-ion batteries.
In 2021, the global electric buses count was 6,70,000 and electric heavy-duty truck count was 66000. This represents about 4% of the global fleet for buses and 0.1% of global heavy-duty trucks (HCV). Electric bus penetration in India (1.2%) is at par with US ( 1%)
Indian Electric bus industry
Indian govt policies that positively affect the electric buses industry are - FAME subsidies -PLI incentive schemes -Smart cities mission.
Apart from that, respective states have EV policies under which they are offering road tax exemption, registration fee exemption, preferential electricity tariffs for charging.
India is running FAME subsidy for electric vehicle purchases. Currently, there is a subsidy of Rs 20000/ KWHr for an electric bus/ truck under FAME II, so for an average 250KWHr battery bus, it comes around Rs 50 lakh subsidy ( 1 electric bus cost around Rs 1.4cr). But FAME II subsidy is going to end in Mar '24, and no indication from govt to further extend it.
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Industry drivers/ EV Ecosystem
So price of an electric bus being Rs 1.4 cr, there is a high price differential between electric bus and a IC engine bus ( cost of electric bus being 1.5-2x of diesel bus), leading to few takers at this high price. Most customers of electric buses are state transport units ( STUs) who are converting their old fleet to electric.
Another factor for low adoption among private players is few financiers are financing this high ticket loans. As we know, private operators buy commercial vehicles ( bus/ truck) on loan and pay the EMI from profits made from operating the asset ( vehicle) on road. They never buy it upfront.
Cost of operating an electric bus is much lower than that of IC engine bus, so operating economics are in favor of owning electric bus , plus there are ongoing incentives under FAME II ( 50 lakh) which makes it further lucrative.
Charging infra availability ( for adoption among inter-city route buses), type of charging and charging time required, cost of battery pack coming down in future or not will govern the pace of future adoption trends of electric buses, amongst the private players.
As we see, battery cost is 40% of total vehicle cost, which depends on Lithium, the main raw material used in batteries. Currently, lithium batteries being imported costing huge amounts. Though some global battery manufacturers are setting up plants with collaboration of Indian partners, lithium has to be sourced from outside which makes it costly affair.
https://preview.redd.it/3e1c41cz701d1.png?width=571&format=png&auto=webp&s=c0ca78651fb48daa2f825b3abe69cd65aff3a7ee
Operating metrics
Olectra sold 580 buses in FY23 and 541 buses in FY24. They have 10969 orders in hand as on Mar '24. Olectra has acquired a 150 acre land in Telengana, to set up a greenfield plant,which will increase the capacity to 5000 nos./ year in first phase, and later to 10000/ year. Features of 4 models of buses are enlisted below, with range varying from 150km to 300km. Tata Motors has 3000Nm max torque and 245kw max power in 9m bus vs 800Nm max torque and 180kw max power for Olectra 9m
https://preview.redd.it/ixtisno3801d1.png?width=464&format=png&auto=webp&s=4cba5023fbe9c75e3507e1dbdb78cae312809695
https://preview.redd.it/y7alcpu5801d1.png?width=675&format=png&auto=webp&s=6f81684413c4d2bd3dd952dcac64a8fe0fefe458
Financials
Segment wise revenues
e-bus divn 1010cr (4.6% up yoy) Insulator divn 140cr ( 15% up yoy)
Total revenue from operations 1150cr in FY24. ( 5.5% up yoy) Adj. EBITDA margins 16.1% vs 14.1% LY. EBITDA 185cr vs 150cr. PAT 80cr vs 67cr LY. PAT margins 6.8% vs 6.1% LY.
https://preview.redd.it/96zium99801d1.png?width=766&format=png&auto=webp&s=9269549cd2ecf3d3fd3d8b68ed0e745ef36da887
https://preview.redd.it/0qbrfpua801d1.png?width=742&format=png&auto=webp&s=8c79de63b8299603f7699f85bfcce75aa5c55149
https://preview.redd.it/1efp9u9c801d1.png?width=760&format=png&auto=webp&s=10ada2a602aa03b0b91c82aeae0fd2f70f285d63
https://preview.redd.it/rz0ytnxd801d1.png?width=753&format=png&auto=webp&s=d64582f3cf96d64edb27fdd105ddac024aa1c984
Major expense heads
Cost of materials 850cr Employee cost 69cr Testing &other exp 52cr
Balance sheet
Trade receivables 510cr ( revenues 1150cr) quite high as it is a B2G business ( most customers are State transport units- STUs) Trade payables 390cr Inventory 210cr
Cash conversion cycle increased from 79 to 86 yoy, debtors days at 162 days.
Debt to equity 0.21 , total debt 200cr. Provisions tad high at 30cr.
Net cashflow from operations 140cr vs EBITDA of 185cr.
Points to consider
Entire business depends on govt supply, as customers are STUs, some of which are sick units. One or 2 customers defaults in payments disturbs the entire profitability.
Also during times of distress, receivables days increases drastically, affecting liquidity and increasing working capital days .
Olectra imports parts from Chinese manufacturer BYD, hence reliability on BYD is there.
Since cost of e-bus is north of 1.5 cr, availability of finance is limited, leading to weak adoption amongst private bus operators. For private operators, it is a business which they operate based on loans and EMIs are paid out of regular cashflows out of utilisation of that bus.
Unless there is mass adoption amongst private bus operators, business depends on STUs.
Due to these constraints, market leaders Tata/ Leyland not aggressive in e-buses. Once credit will be easily available, Tata / Leyland will become aggressive and might sweep the market away.
EV penetration in buses in India is at par with US, so it is not going to skyrocket from here on, given the cost of e-bus, there will be very few private takers at this cost. Unless, some huge cost improvements in battery pack occurs.
Huge order book of 10969 buses-lot depends on order execution via new upcoming plant in Telengana.

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2024.05.17 16:11 trilliankqa Having another baby in two weeks, and insurance still hasn’t figured out coverage for my first two years later.

I am having a hard time understanding how this seems to be the first time a hospital/insurance company has dealt with this issue.
I (the mothebirthing parent) have good insurance through federal employment that I pay more for since i knew I would be having a baby. It has a maternity benefit that explicitly covers the baby for the first 30 days.
With my first, I had him at a hospital that works with my insurance, where he racked up about $10K (now down to almost $4K for self pay pricing) in charges while in the hospital for 3 days after delivery.
We planned (and had preauthorized) for him to be covered under my insurance for those 3 days. We then enrolled him on my husband’s insurance (also a federal govt employee policy, and an HMO). This insurance doesn’t work with the hospital I went to.
It has been a full two years, and the hospital and insurance company CANNOT sort it out. Both acknowledge that it should be covered, but (1) the hospital is billing under the baby’s name, because the charges were for him, not me. They won’t bill under my name because it would misrepresent the charges; and (2) the insurance company doesn’t have a policy under the baby’s name, because we never got him his own policy. He was covered for 30 days under my policy, then on an HMO that won’t cover these charges.
The hospital keeps billing, and the insurance company keeps denying. It was processing for over a year, and now the claim has disappeared from my insurance portal online.
The hospital wont guarantee that they won’t send it to collections, but I can’t think of anything left for me to try after two years? I can’t possibly influence the bureaucracy at either the hospital or insurance company, right??
Now I’m two weeks from having another baby, and we will be in the EXACT same situation. I’m so scared of having to pay this x 2, which we just can’t afford.
(Going to another hospital is not a good option for many reasons)
Does anyone have any ideas on what I can do? Has this really never happened before that the baby ends up on the dad’s insurance that doesn’t work with the birthplace hospital?
Thank you!!

submitted by trilliankqa to Insurance [link] [comments]

2024.05.17 16:00 Weird_Training_4582 Job level info required Current Microsoft employees

Hello MSFT employees, I recently completed all my interviews with Microsoft for Senior Product Designer role. The recruiter who was my POC is not with Microsoft anymore. So I am in the dark about the status of my interview feedback. But, it is OK, I will wait with patience.
One help I would like to get is, to know the exact job level this role is for. I was told it will be visible in the internal job portal. This is will help me in negotiating in case I am selected. https://jobs.careers.microsoft.com/global/en/job/1697278/Senior-Product-Designer
When I asked the recruiter early, he said it is for UX Designer IV but unsure about the job level.
A million tons of thanks to all the kind souls who are willing to help me!!

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2024.05.17 15:36 rohm418 Time Tracking in Chile

There is a new labor law in Chile that will require employees to track their time. We are considering implementing time tracking in Workday for our Chilean employees.
Based on what we've found, Workday would have to have certification with the Dirección del Trabajo in Chile in order for us to use their tracking module and be in compliance with the new labor reform. This is the list of pre-approved vendors, but Workday is not one of them.
I am awaiting our local legal counsel in Chile to give us guidance on submitting for approval, but would like to know if anyone here has attempted this already or can provide feedback.

submitted by rohm418 to workday [link] [comments]

2024.05.17 14:32 ___luigi Moving to Vienna whilst working remotely for a company outside Austria

Hello!
I am a EU citizen moving to Vienna, Austria due to my family's work.
I am a software engineer with focus on machine learning. I have multiple years of work experience.
As the market in Austria is relatively small, I am interviewing for remote positions for other companies outside Austria. If I don't get full-time job, I plan to do freelance/contract work for other small companies while legally living and paying taxes in Austria. I am not trying to avoid paying taxes.
Information on how to work remotely was a bit hard to find on the portal of the chambers of commerce (https://www.wko.at/), and I could use some advice from anyone that could point me in the right direction.
I found two options:
1/ work for the company as a contractor ("selbstständig") instead of as a regular employee. Basically I set my own company that charges the employer outside Austria. Not sure if there is constraints (due to "Scheinselbstständigkeit") but my understanding is that there are few people mentioning that is doable in Austria.
However, In Austria, there are strict labor laws (e.g., 5 weeks' holiday is the minimum; salary minus taxes and social security is paid 14 times yearly). My understanding is that there is are almost no labor laws when it comes to freelancing. The freelancer pays taxes and social security in Austria, and the company only pays the bills.
2/ An employer pays me through a company such as remote.com, Oyster, and Deel. that takes care of payroll and other HR-related aspects. This is a new trend though.

My questions are:
Q1/ If anyone went through the same problems, what is the easiest way to handle working remotely with companies outside Austria. I want to do something wrong unintentionally.
Q2/ Do you think it is required to set up my own small enterprise (https://www.expatica.com/at/working/self-employment/starting-a-business-in-austria-84592/) in Austria and charge your employer via invoices.. Which structure should I adopt if I work on freelance/contract services?. Of course I need to take care of the social security on my own such as Medical, pension, social insurance, unemployment insurance... all the things that I would usually take for granted and are necessary.
Q3/ Are there any Austria expat specific online communities that anyone could kindly point me to?
Q4/ And, finally, a long shot, but does anyone know of any Austrian Tax consultants or tax lawyer that they might recommend for going over the legalities of all of this?

Sorry for the lengthy post, and I appreciate any help and suggestions what so ever 😊

submitted by ___luigi to Austria [link] [comments]

http://rodzice.org/