Rice Unive­rsity has established itself as a front-runner in innovation and educational research. The­ir remarkable pursuits continue to astonish, and once­ again, they have showcased the­ir brilliance with the introduction of their ne­w Center in Paris, France. This e­xtraordinary space endeavors to unite­ brilliant minds from various nations, fostering the exchange­ of ideas and promoting fruitful collaboration without limits. 

Now, let us pause­ for a moment to acknowledge the­ tremendous significance of this de­velopment for modern e­ducation and research. It serve­s as a gateway to boundless opportunities and discove­ries, leaving one utte­rly astounded! 

Howeve­r, there is another important aspe­ct that deserves atte­ntion: the use of paywall service­s and Adapty.io. These remarkable­ tools play a crucial role in the success of the­ new center by assisting with mone­tization. Let’s be realistic, ope­rating such an extraordinary intellectual hub come­s with its expenses! 

Design in educational research

Design and innovation play a crucial role­ in reshaping education and rese­arch today. They act as hidden forces that not only maintain the­ relevance of unive­rsities and academic institutions but also establish the­ir distinctiveness in our eve­r-evolving world. The key lie­s in embracing change, promoting progress, my frie­nd!

Rice University Paris Center is making waves late­ly. This establishment signifies a re­markable milestone for the­ university, as it embarks on expanding its e­ducational programs and research on an international scale­. No longer confined to the United States, Rice University is ve­nturing into new frontiers. This deve­lopment propels their e­ndeavors to unprecede­nted heights. 

With an abundance of e­ducational resources, a significant challenge­ arises: ensuring financial sustainability. This is where­ paywall services and Adapty.io step in to provide­ solutions, my friend.

Paywall services for content monetization

In the world of digital conte­nt, paywall services act as gateke­epers at a club entrance­. Just like bouncers, they control e­ntry to specific areas or materials on we­bsites, ensuring only paying subscribers can acce­ss them. For estee­med institutions like Rice University, this becomes a significant opportunity to monetize­ their valuable academic re­search, lectures, and othe­r educational resources.

Think about it – by implementing these paywalls, universities can generate some serious income while still providing top-notch resources to those who truly value them. It’s a win-win situation!

So yeah, next time you hit up Rice University’s website and see some exclusive content behind a paywall, now you’ll know why. It’s all about keeping the university thriving and making sure that knowledge keeps flowing!

You know, paywall services are pretty nifty for universities. They let them offer their awesome content through subscriptions or one-time payments, which brings in some extra cash. Plus, these services also make sure that only the right people get access to confidential info and protect important stuff like copyright and intellectual property. So it’s a win-win situation all around!

Adapty.io for monetization optimization

Now, let’s talk about how Adapty.io is making a real impact for the Rice University Center in Paris. They needed a solution to seamlessly integrate paid services and manage subscriptions. And guess what? Adapty.io came to the rescue!

This nifty tool provides them with clear and simple data models to tackle complex tasks like A/B testing paywalls. They can easily determine the best price for subscriptions too, maximizing user appeal.

With Adapty.io on their side, Rice University is set to level up their subscription game and provide an even better experience for their users. Way to go!

Summary

To summarize the­ significance of the Rice University Center in Paris, it has revolutionize­d both education and research. Howe­ver, two essential factors must be­ considered for this new ce­nter to thrive: monetization and conte­nt optimization.

Thankfully, there­ are fantastic tools available to them that can make­ it possible. By employing paywall service­s and utilizing Adapty.io, the university is equippe­d with everything nece­ssary for successful monetization. This ensure­s a secure financial future while­ simultaneously attracting exceptional stude­nts and researchers from all around the­ world.

Rice University is at the forefront of education and re­search, making this a thrilling time for progress in the­se fields!

JDen Condominium is Singapore’s premier residential oasis. Escape into a serene world and enjoy seamless convenience. JDen, nestled in the tranquility of a neighborhood, offers a unique living experience that combines modern luxury with nature’s serenity. A harmonious oasis is created by the thoughtfully designed architecture and lush greenery.

You’ll be welcomed with open arms into your oasis of calm, featuring interiors inspired by nature and spacious green areas. Enjoy the tranquility of a resort style pool or indulge in the wellness amenities. Everything you need can be found on site, thanks to the convenience of retail services and proximity to important services.

Enjoy breathtaking views, both of nature and city skylines. Connect seamlessly to the major hubs. JDen puts your comfort first with 24/7 security, hassle-free maintenance and all the amenities you need. JDen Condominium offers the tranquility and comfort you need.

features which make JDen Condominium a perfect place for anyone:

Serene Location

JDen Condominium offers residents an escape from city life in a tranquil neighborhood. The condo is surrounded by parks and lush greenery, creating a relaxing atmosphere.

Think about the Architecture

JDen Condominium’s architectural design is carefully designed to complement the surrounding natural environment. Buildings are placed strategically to take advantage of views and natural lighting, creating a feeling of tranquility and openness.

Nature Inspired Interiors

You’ll be welcomed by interiors inspired by nature that blend seamlessly the outdoors with the indoors. Earthy colors and natural materials help create a relaxing atmosphere.

Expansive Green Spaces

JDen Condominium offers residents a variety of green areas and gardens, which allow them to relax and connect with the natural world.

Tranquil Water Features

The condo is filled with tranquil water features, including soothing fountains and tranquil ponds. These add an air of Zen to the surrounding environment.

Wellness Facilities

JDen Condominium offers a variety of wellness services, including spa retreats and meditation areas. Yoga studios are also available.

The Resort Style Pool

The resort style pool is surrounded by palm trees that sway, creating a feeling of luxury and a tropical getaway.

Think about Community Spaces

JDen Condominium has thoughtfully created community spaces such as peaceful seating areas, gazebos and nooks. These encourage residents to interact and create a sense of community.

Seamless Connection

JDen Condominium’s strategic location allows it to enjoy seamless connectivity with major transport hubs. This makes commuting around Singapore easy.

Nearby Essential Services

The residents have access to all essential services including educational facilities, healthcare institutions and recreation centers.

Safety and privacy

JDen Condominium places a high priority on the privacy and safety of residents. It offers round-the clock security to ensure peace of mind.

No-hassle Maintenance

JDen Condominium offers hassle-free services for maintenance, so residents can focus on their peace of mind.

Animal-friendly environment

JDen condominium offers a tranquil and convenient environment for pet owners.

Stunning Views

Enjoy breathtaking views of the natural landscapes as well as the skyline of the city from your own home.

Environmentally Friendly Initiatives

JDen Condominium is proud of its eco-friendly efforts, which promote sustainable living for the future and foster a greener environment.

Professional Management Team

JDen’s condominium is run by a dedicated team of professionals. They ensure the smooth running of all aspects of life at JDen.

Conclusion 

JDen Condominium is a unique living environment in Singapore, combining serenity with convenience. This residential gem, surrounded by the beauty of nature and designed with every requirement in mind, is a haven that brings joy and peace to its residents. JDen condominium is a place where you can enjoy the peace and tranquility of nature, while also enjoying the comforts that come with it.

If you’re looking to invest in a business, you may have heard of the Small Business Administration (SBA) loan options. These loans are designed to help small business owners access capital and grow their business. But which loan should you choose? Here, we will be comparing SBA Loan 7a and 504 so that you can make an informed decision.

What is an SBA Loan 7a?

The SBA Loan 7a program is a loan guarantee program backed by the U.S. government that helps qualifying businesses acquire financing from private lenders such as banks and credit unions. This type of loan is intended for businesses that need long-term financing for up to 25 years for fixed assets such as real estate or equipment, and up to seven years for working capital such as inventory or accounts receivable.  The maximum amount available through the SBA Loan 7a program is $5 million and there are no collateral requirements on loans under $25,000.  Borrowers must typically provide 10%-20% equity injection into the project as well as pay origination fees ranging from 1%-3% of the total loan amount.

What is an SBA Loan 504?

The SBA Loan 504 program provides long-term financing to small businesses with up to 90% of the total project cost financed by a Certified Development Company (CDC). This type of loan requires borrowers to provide 10%-20% down payment depending on the project size but does not require any collateral for loans under $150,000. This type of loan has a fixed interest rate over a 20-year term and can be used for real estate purchases or construction projects, machinery/equipment purchases, debt refinancing or acquisition costs. The maximum amount available through this program is $5 million with origination fees ranging from 0%-3%.

Our SBA Loan comparison calculator makes it easy to compare these two types of loans side-by-side so you can decide which one best suits your needs. Simply input your desired loan amount and term length into the calculator and our algorithm will calculate details on each type of loan including terms, cost, repayment etc based on your situation—allowing you to make an informed decision about which option is right for you.

Deciding between an SBA 7a or 504 loan doesn’t have to be a difficult task—especially when using SBA 7a vs 504 Loan calculator. With just a few clicks, entrepreneurs can easily determine which type of loan will offer them better terms based on their needs—saving time, money, and hassle in the process. So if you’re considering taking out an SBA loan, give our comparison calculator a try.

As you can see, both the SBA Loan 7a and 504 programs have their own unique benefits and drawbacks depending on your investment needs. By understanding your investment goals, researching your options thoroughly, and speaking with a qualified lender or financial advisor about your specific situation, you can choose which option best meets your needs when it comes time to invest in a new business endeavor.

Technical traders frequently make use of candlestick patterns. Traders can use this information to extrapolate future market trends and judge based on it once they have mastered it. Candlestick patterns can be either bullish or bearish, depending on the circumstances. This post will cover the top 8 candlestick patterns that every trader should know to navigate the markets confidently.

Candlestick patterns—what are they?

Candlesticks are single bars that show how much an asset’s price changed over a given time frame. Open, high, low, and closing prices are all displayed for the specified time frame.

One or more candlestick patterns help technical traders conclude the asset’s potential future price movement and pattern. These are plotted visually on a chart and used in market research. 

Important Candlestick Patterns For Traders

There are many possible candlestick patterns, but we’ll go over the most common and effective ones, starting with bullish patterns that appear during a slump and herald the beginning of an uptrend. When these patterns occur, crypto traders frequently initiate long positions.

• Hammer

The hammer candlestick has an elongated lower shadow and a shorter body. The hammer pattern gets its name because the candlestick looks like a hammer when held vertically. The hammer usually appears at the bottom of a downward trend. In this trend, buyers force the price back up after sellers have been unsuccessful. While green and red candles can create hammer patterns, the former indicates a more robust rise.

• Inverted Hammer 

The inverted hammer resembles the classic hammer pattern, but its upper shadow is much longer, and its bottom wick is much shorter. This formation indicates that buyers exerted pressure, followed by unsuccessful attempts by bears to push the market lower. As a result, returning purchasers exert more pressure, driving up prices.

• Bullish Engulfing

In contrast to the first two, the bullish engulfing pattern consists of two candlesticks. The initial candle should have a small red body and be swallowed up by a much bigger green candle. The second candle starts lower than the first, but there is more buying pressure, and the trend increases.

• Piercing Line

The piercing line is another two-candlestick pattern that can appear at the support level at the bottom of a downtrend or during a pullback in preparation for a bullish movement. A long green candle follows a long red candle in this motif. A large disparity between the red candle’s closing price and the green candle’s open price is the most important feature of this pattern. The closing price should also represent at least 50% of the previous day’s red candlestick body. The green candle’s higher closing than its open indicates strong purchasing momentum.

• Morning Star

Three candlesticks make up the more complicated morning star pattern: a long red candle, a short-bodied candle, and a long green candle. The morning star pattern indicates that selling pressure from the first period is waning, and a bull market is developing.

• Three White Soldiers 

The three white soldiers are yet another trio of candles. Three tall green candles are lined together, and their shadows are typically extremely short. All three successive greens must start and end at higher levels than the last period. After a downward trend, this pattern is seen as a very bullish signal.

• Hanging Man

A green or red candlestick with a short body and a lengthy bottom shadow forms the silhouette of a hanging man. It usually comes at the end of an uptrend and portends a significant sell-off, though bulls may be able to drive prices higher temporarily before losing control.

• Shooting Star 

A shooting star is the inverse of a hammer’s inverted shape. It’s a red candle that is shorter at the base and taller at the top. In most cases, the market opens with a gap to the upside, rises to a local high, and then drops to close near its price on the candlestick. The physical form can sometimes be absent.

Conclusion

Day traders in Bitcoin should have candlestick patterns in their toolkits, much like their forex and stock market counterparts. While these patterns can be used alone to generate useful trading signals, they are most effective when combined with indicators derived from technical analysis.

(Introducing FitPeo, the patient-centric platform that aims to provide consultations and healthcare monitoring remotely.)

The COVID pandemic has been an eye-opener for the world in many ways. During the pandemic, with restrictions on movement and lockdowns imposed all over, remote healthcare monitoring became a normal phenomenon. People looked for remote health care, quick healthcare monitoring, treatment, and consultations in times of need.

FitPeo aims to offer all these services using the latest technology, even when the pandemic is gone, and the world returns to normalcy.

It’s a health platform that offers remote patient monitoring using advanced technology. FitPeo currently serves over 1,000 patients and provides various services, such as chronic care management, remote patient monitoring, and telehealth.

FitPeo’s flexible remote monitoring system aims to reach out to patients at the point of need. It is undoubtedly the future of healthcare, offering a gamut of services. Whether it is about scheduling or automating patient encounters, guiding, educating, connecting, intervening, and monitoring—FitPeo does it all!

Depending on the patients’ needs, FitPeo sends a kit with a blood pressure monitor, weight machine, and oximeter. Glucometers are also available to patients who have Diabetes. These medical devices connect to the mobile app and that data is stored and sent to the provider. Tracking the patient’s blood pressure, or weight can lead them to make healthier lifestyle choices.

FitPeo focuses on the patient with this platform and makes it easy for them to get the care they need. They can get consultations with their doctor effortlessly in the mobile app. Anywhere a patient can access their phone, they can access healthcare with a click of a button. If a patient urgently needs to see a doctor, all they have to do is use the mobile app to do a video consultation. The patient does not need to drive to see their doctor or wait hours in a waiting room. FitPeo makes it easy to get care immediately.

The Process of Monitoring:

The process begins with connecting with the patient through Tablets or Mobile devices. The next step is to engage the patient through captivating programs and various monitoring approaches. The following steps are related to educating and guiding the patient with relevant information—finally, monitoring and alerting the patient with the help of biometrics and activities. The data gathered is tracked in a chart so that the doctor and patient have access to it. This data can prevent medical emergencies and also gives the patient or provider vital information to make better decisions.

How FitPeo aims to help:

FitPeo hopes to bring a change in the healthcare system with increased patient retention. They want to help doctors so that the time it takes to start such a program is reduced and patients get the best healthcare possible.

With such remote patient monitoring in place, patients will not have to move to meet the doctor physically. This helps reduce medical emergencies as treatment will be available quickly. FitPeo also hopes to ensure that the patients have a smooth experience during the entire process. They endeavor to ensure that their system is user-friendly and easy to use for all patients.

That is not all—FitPeo is unique and different from other providers. It offers transitional care management and behavioral health integration—a service that is not easily available in the present times.

To find out more, please visit: https://www.fitpeo.com/

About FitPeo:

FitPeo is an online healthcare platform offering patients remote healthcare and monitoring services. It uses the latest and modern technology to assist patients.

Media Contact:

Contact Person: Candice Sharma -CMO,  Prabhat Sharma -CEO, Prashant Sharma-COO

Name of company: FitPeo

Phone: +1 (610) 634-8736

SEND E-Mail

 

    

The hemp industry across the United States has exploded over the last decade following the easing of regulations on state and federal levels. While the plant had been vilified for decades, its medical benefits continued to be studied at universities, and as research continued to emerge, new drug policy initiatives began to take hold. The movement to bring cannabis compounds like THC and CBD reached critical mass in 2018 with the passage of the Farm Bill.

This new legal framework brought the industry out of the shadows and into the limelight, spawning multi-billion dollar growth in sectors like healthcare, nutrition, farming, and processing. 

A review of the technological advancements since the passage of this legislation shows that consumers are not only benefiting from a more transparent production infrastructure, but they are also finding higher quality, higher potency products with positive real-world health applications. 

Hemp-based products can be purchased in the form of oils, supplements, foods, topical skin creams, and electronic vaporizer products. 

But none of it would be possible with the technological know-how of the companies that extract the hemp’s active compounds from the plant itself. 

Following harvest, but before these consumer products can be created, manufacturers must first remove the many components from the plant, filter them, process them, and in some cases, isolate them. 

This initial step of removing components is known as “extraction” and involves one of several processes, such as critical CO2, which uses carbon dioxide at high pressures and temperatures, or ethanol, which uses sub-zero temperatures and sugarcane-based extraction. 

Once removed, this raw material containing beneficial hemp compounds like cannabinoids, terpenes, lipids, and flavonoids is further processed into base materials. 

As one might expect, there are a number of these base raw materials, each with a different profile, benefit, and use case for consumers.

Once such raw material, known as a CBD distillate, is used in products that have been widely studied for their “entourage benefits.” This entourage effect is used by scientists to describe the many parts of a particular medicine or treatment plan that contribute to an overall effect. In the case of full spectrum CBD distillate, the raw material contains cannabinoids like the well-known cannabidiol (CBD) and Tetrahydrocannabinol (THC) compounds, among many others. It also contains aromatic terpenes, which in addition to the health benefits identified in clinical studies, are primarily responsible for the distinct smell associated with hemp-based products. 

When one visits a dispensary or nutritionist to inquire about hemp products, full spectrum-based distillate blends are often the most recommended choice for medical benefits. They can be taken in the form of full spectrum CBD oils or capsules, as well as directly as raw concentrates by using them in e-vapes or food preparation. 

But not all consumers are open to the idea of taking a hemp extract, namely because of cannabis’ association with the intoxicating effects of THC found in marijuana. As consumer education expands, however, it becomes clear that hemp can be beneficial for users even without THC. Some distillates, like broad spectrum concentrates, have a similar make-up of compounds to full spectrum blends, but technological approaches such as chromatography make it possible to remove certain components. In this case, THC free broad spectrum distillates are designed to have detectable levels of THC removed from the raw material. 

This is a win-win for consumers looking to experience the entourage effects of hemp’s health benefits without worrying about taking any psychoactive levels of THC. 

Further still, processes involving the isolation of specific compounds have led to another budding industry. An isolate powder, for example, uses a process to completely remove all of the other compounds like THC, CBN, and CBG from the extracted raw hemp material to “isolate” the specific compound cannabidiol. This highly desirable crystalline CBD powder is a solution used by manufacturers who want “pure” hemp-based products with concentrations above 99%. 

With regulatory infrastructure in place, research investment pouring in, and consumer demand growing, hemp extract products such as CBD oils made from distillates and crystalline powders may change the very makeup of the health industry. 

Integrated medicine doctors are increasingly using them as part of their treatment plans, providing a safe complement or alternative to those in need.

Grand Dunman Condo Singapore offers an extraordinary living experience which combines tranquility and comfort with a perfect balance. The property is situated in District 15 and built by the well-known Singhaiyi Group, this exceptional property promises residents peace and tranquil sanctuary in the midst of a bustling city.

Serene ambience and unbeatable comfort the Grand Dunman Condo offer:

Serene Living Environment

Grand Dunman Condo provides residents with a peaceful and tranquil life style. Far from the bustle and noise of city life This residential community provides a peaceful retreat where you can relax and unwind. The meticulously designed landscaping with lush greenery and peaceful surroundings provide an atmosphere of peace and peace that’s unsurpassed. The residents can take a moment in peace, be it relaxing in the lush gardens, or seeking peace in the exquisitely constructed communal areas.

Convenient Location

Apart from its peaceful surroundings, Grand Dunman Condo boasts an extremely accessible location. It is located close to Dunman Road, residents have the convenience of having access to an range of amenities and services. The close Dakota MRT Station provides seamless connectivity that allows residents to access various areas of Singapore without difficulty. If you’re looking to shop at the close-by malls, dining out at trendy establishments or taking part in recreational activities at the nearby parks all are accessible.

Abundance of Amenities

Grand Dunman Condo offers residents many amenities to improve their daily lives. It offers a wide range of services designed to accommodate to a variety of needs and tastes. Residents are able to take to a cool swim in the pool that is ideal for getting away from the scorching heat or relaxing following a tiring day. If you’re a fitness enthusiast, the fitness center is equipped with state-of-the-art equipment to ensure a productive fitness session. The carefully designed landscaping features tranquil spaces as well as outdoor seating, permitting residents to soak in tranquility and relax in the peace.

Close Proximity to Nature

Despite its location in the city, Grand Dunman Condo is located close to nature. Residents are able to easily reach close-by parks and green areas like East Coast Park, which provides a variety of leisure opportunities and stunning coast. The lush greenery as well as the gentle ocean breeze create a wonderful background for outdoor pursuits including biking, running or enjoying a relaxed lunch with your loved ones. The lifestyle of Grand Dunman Condo allows residents to find a way to balance the comforts of urban living as well as the peace and tranquility of the natural world.

Connectivity and Accessibility

Grand Dunman Condo guarantees residents the best connectivity and access. Thanks to the close Dakota MRT Station residents enjoy easy and quick access to the entire MRT network. It allows residents access to all areas of Singapore. Furthermore, major expressways and roads are accessible and make driving to work or taking public transport an easy task. Grand Dunman Condo’s strategic location Grand Dunman Condo allows residents to experience all the benefits of two options – a peaceful life style, while being close to the conveniences that the city offers.

Future Growth and Investment Potential

Grand Dunman Condo offers not just a peaceful and comfortable lifestyle, but also promises the future of growth and investment. District 15 is one of the most popular area that is continuing to be transformed and redeveloped. As infrastructure upgrades continue and the development of surrounding commercial areas The value of homes within the district is likely to increase over the course of time. Making an investment into Grand Dunman Condo not only is a relaxing home, but also offers a potential for long-term investments.

Conclusion

Grand Dunman Condo Singapore provides residents with the ideal blend of tranquility and ease. In addition to its peaceful living area and its central location the residents are able to enjoy a tranquil getaway while being able to have easy access to modern facilities and conveniences that city life offers. Offering a wide range of facilities, close proximity to the natural world, excellent connectivity as well as a promising growth forecast for the future, Grand Dunman Condo offers an environment that is characterized by tranquility with convenience, as well as an investment opportunity.

Gardens can be a great addition to any home, providing an outdoor oasis for relaxation and recreation. But often, they require extra storage and workspace to get the most out of them. This is where garden shed kits come in. Garden shed kits are a versatile and cost-effective way to add extra storage, workspace, or even a hobby room to your garden or backyard. In this article, we’ll explore the benefits of garden shed kits and how you can make the most out of them.

The Advantages of Garden Shed Kits

Garden shed kits provide many advantages to homeowners, gardeners, DIY enthusiasts, and those who need extra storage or workspace. To start with, garden shed kits are very cost-effective. By assembling the kit yourself, you avoid paying for costly labor like you would if you bought a pre-assembled shed. Additionally, the kits provide flexibility and customization options that make them more suitable for your specific needs.

Garden shed kits can be used for a variety of purposes. For example, they can be used to store and organize garden tools, providing an effective solution for homeowners who need extra space for their gardening supplies. They can also be used as outdoor workshops or hobby rooms, allowing you to enjoy your hobbies without taking up valuable indoor living space. Furthermore, they can be used as relaxation areas or outdoor living spaces where you can enjoy some peace and quiet.

Garden shed kits are also designed to last. They are made from high-quality materials that are both durable and weather resistant. This makes them ideal for areas with extreme temperatures, such as hot summers or cold winters, and they will remain in good condition even after years of use.

Tips for Installation and Maintenance

Before you start assembling your garden shed kit, there are a few things to consider. One of the most important is proper leveling of the foundation. This will ensure that the shed remains stable throughout its lifetime. It’s also important to have the right tools for assembly. Depending on the type of kit, you may need a hammer and nails, screwdriver, saws, or drill.

Once your garden shed kit is assembled, proper maintenance will help ensure its longevity. This includes regularly cleaning the shed to remove dirt and debris from the surfaces. You should also consider applying sealant or treatment to protect it from weather damage. Additionally, some kits come with specific instructions for maintenance, such as how often to clean or replace parts.

Customization Options

Garden shed kits are designed to be customizable, giving you the ability to tailor them to meet your specific requirements. This includes adding windows, doors, shelves, and other accessories that can help make the most of the space. For example, if you’re using the shed as a workshop, you may want to install shelves and workbenches for extra storage. If you’re using it as a hobby room, you may want to add windows for natural light. Whatever your needs, garden shed kits offer plenty of options for customization.

Where to Shop

If you’re looking for a garden shed kit, there are plenty of reputable suppliers available online. Homestead Supplier is one such supplier that offers a wide selection of garden shed kits at competitive prices. They also provide comprehensive installation instructions and helpful customer service to make sure you get the most out of your purchase.

Garden shed kits are an ideal solution for homeowners, gardeners, and DIY enthusiasts. They provide a cost-effective way to add extra storage or workspace to your garden or backyard without the need for costly labor. Additionally, they are designed to be customizable and durable, so you can make the most out of them. With proper installation and maintenance, your shed kit will last many years and provide plenty of opportunities for relaxation and recreation.

Whether you’re looking for a garden tool storage solution, an outdoor workshop, a hobby room, or simply a place to relax, garden shed kits are the perfect choice. Shop around and take advantage of the customization options available to make sure you find the right kit for your needs. With so many benefits, it’s easy to see why garden shed kits are becoming increasingly popular.

Investors in the Capital Protected Euro Bank Booster, a product marketed by AfrAsia Bank, are raising serious concerns about the bank’s handling of their investments. The product promised guaranteed minimum returns, with the bank executive Ducler Des Rauches on record assuring investors of “200% participation in the performance of the EURO STOXX Bank Index (SX7E Index)” and a “minimum protected return of (Capital + 8%) and a maximum protected return of (Capital + 28%).” However, clients have reported substantial financial losses and a failure by AfrAsia Bank to explain the underlying mechanism of the investment. Both Raiffeisen Switzerland BV, Amsterdam, Netherlands, the issuer of the product, and Raiffeisen Switzerland Cooperative, St Gallen, Switzerland, the guarantor, were contacted regarding these concerns but declined to comment.

A growing number of clients are also alleging that the bank has indefinitely delayed the release of their matured funds, even after transfer requests were approved. Stephanie Marimuthu, a Customer Service Assistant with AfrAsia Bank, informed clients that transfer directives were being discussed internally, but later confirmed that the transfer was approved and promised confirmation the same evening. Despite these assurances, the funds were never released. After a week of delays, clients were informed by Neal Roy, Head of Business Development with AfrAsia Bank, that the transfer was not approved. To date, the bank has failed to transfer the funds or provide a reasonable expectation for their release.

These allegations have raised serious concerns about the bank’s conduct and have prompted a closer examination of their business practices. The pattern of misrepresentation and indefinite delays in releasing client funds is disturbing, and has prompted multiple clients to explore legal remedies.

In this article, we will examine the grievances raised by one client and provide an overview of the broader concerns being raised by multiple clients.

Client Cases

Many clients of AfrAsia Bank who invested in the Capital Protected Euro Bank Booster were attracted by the promise of guaranteed returns and low-risk exposure to the EURO STOXX Bank Index. However, they soon found that their capital was being used to protect a select group of corporate guarantors, the exact opposite of what they were led to believe.

At maturity, clients attempted to transfer their remaining funds, but each request was denied or delayed by the bank. Despite repeated attempts to reach Stephanie Marimuthu, a Customer Service Assistant with AfrAsia Bank, clients were unable to secure a resolution to their transfer requests. Clients were later informed by Neal Roy, Head of Business Development with AfrAsia Bank, that their transfer was not approved, and their funds were never released.

Multiple clients of AfrAsia Bank are raising similar concerns about the bank’s handling of their investments. They are alleging that the bank is improperly withholding their matured funds, even after transfer requests were approved, and using consistent stall tactics to avoid releasing the funds.

A Pattern of Improper Conduct

The allegations against AfrAsia Bank paint a picture of a bank that is engaging in improper and potentially illegal conduct. The bank’s marketing of the Capital Protected Euro Bank Booster was misleading, with promises of guaranteed returns and low-risk exposure that were not reflected in the actual product. The bank’s use of client capital to protect corporate guarantors was the exact opposite of what clients were led to believe.

Furthermore, the bank’s handling of client funds has been unacceptable, with repeated delays in the release of matured funds, even after transfer requests were approved. The bank’s lack of transparency and consistent stall tactics have left clients feeling helpless and frustrated.

Conclusion

In conclusion, while AfrAsia Bank executives marketed the Capital Protected Euro Bank Booster as a low-risk investment with guaranteed returns, the reality is that the capital provided by investors was being used to protect a select group of corporations and was subject to loss for the entire five-year period. Furthermore, there are serious allegations that the bank has been withholding client funds even after they have reached maturity, with no explanation or reasonable expectation that the funds will be released.

The experiences of multiple clients have been uniform, with reports of indefinite delays and denials of transfer requests, as well as misleading information from bank executives about the nature of the investment.

This behavior by AfrAsia Bank raises questions about the ethics of the bank’s conduct, and it is imperative that an investigation takes place to ensure that the rights of investors are protected and that appropriate measures are taken to prevent this from happening again in the future.

The experiences of these clients raise serious concerns about the potential for illegal misconduct at AfrAsia Bank, and it is crucial that this matter is addressed promptly and effectively to restore the trust of investors and account holders. The lack of response from the bank to multiple attempts to resolve this issue only strengthens these concerns and the need for a thorough investigation.

It is important that all individuals involved in the handling of client funds, including Stephanie Marimuthu and Neal Roy, are held accountable for their actions, and that the necessary measures are taken to ensure the rights of investors are protected and their funds are returned in a timely and transparent manner.

How to deal with “Ghosting”

In recent years, a new, eyebrow-raising trend has emerged in the working world: employees are “ghosting” their employers.

In the business scene, “ghosting” is a slang term for job abandonment.

Instead of giving the courtesy of a two-week notice, or any notice for that matter, employees just vanish without a word, silently moving on to their next endeavor.

You can keep a close eye on employee performance, allowing you to anticipate ghosting before it happens, with the right payroll software. However, it’s still important to understand why it happens.

Why do they leave?

These employees feel comfortable abandoning their jobs because they believe ghosting their employers won’t come back to haunt them, and they may be right.

With the unemployment rate being remarkably low and the demand for skills remarkably high, workers often have the upper hand, so much so that there’s sometimes little incentive for them to depart cordially.

These employees are not worried about a bad reference, and it’s nothing to them if their former employer now scrambles to find coverage.

While ghosting is one way that employees quit their jobs, another is when a worker takes pains to publicize their disapproval, usually online, enumerating grievance after grievance to any interested parties.

Would-be employees only need to search a prospective employer’s name on the internet to see what the current and former employees have to say about their working conditions.

Even if most employees still leave their jobs with adequate notice and common courtesy, the fact is that workers are quitting their jobs in record numbers.

With so many workers jumping from job to job (eager for better compensation, career growth, improved cultural fit, or just something different) and with the demand for work greater than the supply of unemployed workers, employers are searching for effective ways to keep talented people in their organizations and encourage positive brand messaging from their employees.

The best way for employers to attract and retain happy, hard-working people is to be useful to their employees.

This can be through providing things such as skill and career development, coaching, meaningful work, praise and appreciation, community, and monetary rewards for organizational success.

These benefits are important because the employment relationship is fundamentally about usefulness. The more useful an employer can be to its employees, the more it can satisfy their wants and needs, the stronger the incentive will be for employees to stay.

This basis of the employment relationship is unfortunately also why employers and employees don’t always get along.

It is why some employees vanish without a word, or worse, with a diatribe against their employer. When people have personal connections, they’re motivated to work through their conflicting interests with respect, care, and a willingness to compromise.

If their relationship is about nothing but utility, or if the other’s momentary usefulness is all that matters, then there’s no incentive to be courteous and understanding when conflicts arise or when one party ceases to be of use.

The relationship can be discarded as you would discard a dead battery, bent key, or some other now-useless thing.

What’s more, some employees are going to leave no matter what an employer can offer. If retaining employees isn’t always possible, employers can still endeavor to make the departures smooth and cordial so as to minimize turnover expenses and encourage former employees to speak well of the organization.

The Role of HR

When retaining employees isn’t possible or desirable, HR still has an important role. Here are a few ways to respectfully say “goodbye” when the time comes:

1. Address poor employee performance early

When an employee isn’t getting their job done or otherwise meeting expectations, the easy answer is often to terminate their employment.

However, immediate termination, particularly with no warning or attempts by the employer to correct the performance, sends the employee away with a chip on their shoulder and leaves the employer without adequate coverage.

If the employee is feeling particularly retaliatory, they may launch into a public tirade online or file an unlawful termination claim. As an alternative to immediate termination, you can put the employee on a performance improvement plan.

If successful, it would further both your interests and the employee’s; and, if not, it would at least show a good faith attempt to give the employee a chance to improve, reducing liability if termination becomes necessary. Performance management software can be used to give you insights into whether they are improving.

2. Solicit employee feedback

As you may know, most employees in the United States are either unengaged or actively disengaged. Disengaged employees are more likely to complain about their jobs, their bosses, or other work-related matters, but probably not to their employers.

Some of their complaints might be legitimate and worth addressing. If, however, employees are only talking to each other or to people outside the company, employers can’t do anything to resolve the specific problems, and the negativity only begets more negativity. Making use of HRM software with payroll will enable you to stay on top of submitted complaints, and track whether they are addressed satisfactorily.

The solution: collaborate with employees to identify and address problems in the workplace.

You can solicit direct feedback through surveys, stay interviews, exit interviews, and regular check-ins between managers and subordinates. Employees will only be willing to share their concerns, however, if they believe it’s safe to do so and they trust that their employer will at least attempt, in good faith, to address their concerns.

3. Say goodbye with style

It can be sad, and an extra challenge, when good employees take jobs elsewhere. It can also be a cause for celebration, and both the departing and remaining employees will appreciate a nice send-off, even if it’s just through a company-wide email.

When you celebrate the bittersweet successes of your employees, you show you really care about their professional development and about them as individuals. They move on with goodwill and with a good impression of their time at your organization.

It’s wonderful if employers can motivate good employees to stay with their organization, but that’s not always realistic.

Since some employees, both the good and not-so-good performers, will inevitably leave the organization, it serves the interest of employers to make these terminations as smooth and respectful as possible.

That reduces the chances of disengaged employees ghosting their employers or loudly announcing their displeasure to prospective customers, job candidates, or to anyone else who will listen.

Prevent Ghosting with HR software

Netchex’s HR and payroll management solution will help you create and customize an Employee Handbook. Our library of resources for clients contains customizable templates and ideas to help you get started and implement the right Handbook for your business.