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[ad_1] Wow! If you need some new workout wear, don’t miss this great sale on Balance Collection apparel! Zulily is running a huge sale on Balance Collection Workout Apparel today, with prices marked down as much as 70% off! On top of that, you can get 15% off any $50 purchase site-wide on Zulily today when you shop through our link — making for some really amazing deals! Meg here! This is one of my favorite workout apparel brands, although I actually love a lot of their clothing for just lounging at home. My favorite tank is on sale for $14.99 (reg. $45) in many color choices! They also have really comfy leggings & joggers for $16.99-$19.99 (reg. $60+)! I highly recommend this brand for budget-friendly, quality workout apparel that fits true to size and is really comfortable! Shipping starts at $6.99. But if you place one order today, the rest of your orders will ship for FREE through 11:59 p.m. PT tonight! Go here to shop the Balance Collection Sale! [ad_2] Source link

[ad_1] Beijing urges millions to keep working from home amid COVID outbreak menace [ad_2] Source link

[ad_1] The race towards achieving clean mobility in the commercial vehicle segment has seen steady improvement over the years and one of them at the forefront is Swedish commercial vehicle major Volvo. Globally, with many countries – including India – aiming to go carbon neutral, the commercial vehicle manufacturer is looking into all possibilities.  In an interaction with Express Mobility, Lars Stenqvist, Executive VP, Volvo Group Trucks Technology & CTO, Volvo says, “In terms of clean mobility, we are firmly committed to the Paris agreement. We believe that we need to decarbonise road transport and infrastructure solutions. That is by 2050, according to the Paris Agreement, but since our vehicles last long, we cannot wait until 2049 to deliver trucks that run on clean fuel. On an average our vehicles operate for more than 10 years, thus the target of 2050 means our internal target is 2040.” According to him, to achieve this, three technology developments need to be in parallel — battery electric vehicles, fuel cell technology, and the internal combustion engine (ICE). Although most companies are declaring the end of the ICE-vehicles, Volvo (trucks) isn’t doing so. Stenqvist adds, “We see that in certain applications, installing renewable fuels will be the sweet spot.” From the global perspective, Volvo is on the road to developing some of these technologies that a few years ago were deemed to be impossible to be used in commercial vehicles. The CTO shares, “If you go back and read papers from 5-years ago, there were not many people that believed that you could operate a battery-electric heavy truck. And this year, we are going into serial production for European customers with heavy-duty trucks up to 44-tonne. We have taken the technology to a new level, meaning that we have been working on the batteries to get enough energy onboard.” On the fuel cell topic, the top executive said that there are no fuel cells that match Volvo’s requirements anywhere globally. It was in December 2021 that Volvo entered into a JV with one of its long-time competitors, Daimler Trucks, and together, they are developing fuel cells. According to the JV, companies will install and operate high-performance public charging networks for battery electric, heavy-duty long-haul trucks and coaches across Europe. While the two companies continue to compete against each other globally, the collaboration (for fuel cell tech) will be a 50:50 joint venture. Volvo will begin manufacturing the fuel cell trucks for the European market as it sees high demand there and slowly cater to other markets as demand arises, including India. “There will be production facilities around the world where we see demands, but the first production facility when it comes to fuel cells will be in Europe. And that is the only decision that has been taken so far,” shares Stenqvist. In fact, when queried about potential of fuel-cell CVs in the Indian market, he says that while there are no immediate plans for fuel-cell vehicles locally, “the solutions that are being developed in Bangalore are used across the globe and across the product platforms.”  On the other hand, he shares that the Volvo-Daimler collaboration doesn’t end with manufacturing fuel cells though, as the two are looking at setting up charging infrastructure as well in Europe. He clarifies, “We don’t have any intention to say that we will be the only ones providing (the charging infrastructure), but we are the first movers right now. It is important that we first get this going.” The Swedish CV major claims that even though one of its tech centers is based in a particular country, the solutions worked on will be from a global perspective and not limited to the local market.  [ad_2] Source link

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[ad_1] Third possible case of monkeypox found in the U.S [ad_2] Source link

[ad_1] Co-living is the new way for people to live in the cities and escape urban loneliness, being structured to provide comfort, convenience and a genuine sense of community living. Housr, a leading name in the segment in Delhi-NCR, provides fully furnished and serviced studios/apartments for tech-savvy urban professionals who like to work, network, laugh and live together. “The moment one enters a Housr residence, you feel a connection, making you feel at home. We started our business in the year 2018 with one centre; we now have more than 30 centres across India,” says Deepak Anand, co-founder and CEO, Housr. After consolidating the co-living business, Housr identified in the last few months a definite gap in the market in the supply and affordability of premium serviced apartments in India. They were either beyond the reach of young individuals/couples or not available around key commercial areas. Even with the availability of such apartments, getting basic uninterrupted services like laundry, daily housekeeping and high-speed Wi-Fi from day one was a task for working couples. Thus, Housr Homes provides such facilities before a person moves in, that too at affordable rates. “Housr decided to launch this product after carving a niche for itself in the co-living domain. Housr Homes targets couples, small families and high-earning urban professionals who are in need of such personal spaces,” says Anand. Talking about the pandemic which was a headwind for a majority of businesses, he says, “we did see face setbacks in occupancy but we survived the unprecedented times.” He stresses that Housr has always been a tech-first entity, and this allows it to “anticipate and plan well on creating the right supply pipeline.” This is also behind Housr’s hyper growth in the last 18-24 months, scaling from three properties to 30+ properties and spreading to cities like Gurgaon, Pune and Hyderabad. “As demand started to rise again, we were ready with premium supply for discerning customers who were looking for hygienic and fully managed spaces with great community vibes. We ran our properties at an overall aggregated occupancy of 80%+ throughout 2021.” Housr provides professionally graded sanitation facilities with no-touch housekeeping; healthy meals prepared in hygienic cloud kitchens by professional chefs; work from home compatible desks; and gym, cafeteria, and a gaming zone so that residents don’t have to step out of the property. “We aim to expand further in Gurgaon, Hyderabad, Pune and launch more properties in Delhi, Mumbai, Noida and Bangalore. Taking Housr Coliving (hubs) and Housr Homes together, we are looking at 70+ properties and 12,000+ beds by 2022 end. While we have adequate reserves for now, we are working to raise a fresh round of growth capital,” Anand adds. [ad_2] Source link

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[ad_1] Australia swears in new Labor PM ahead of Quad meeting [ad_2] Source link

[ad_1] The government’s decision to forego an estimated Rs 1.06 trillion of revenues on account of excise duty cuts in petrol and diesel and subsidies on LPG cylinders is a move that was long overdue. This is expected to arrest inflationary pressures and act as a cushion for consumers in case oil marketers choose to raise prices of auto fuels. After all, duties and taxes account for 40-50% of retail fuel prices. The government also plans to spend an additional Rs 1.10 trillion on fertiliser subsidies—a fallout of costlier imports—and lower import duties on steel and raw materials for plastics products. The additional expenses might have some impact on government finances, but the revenues for the current fiscal could exceed the conservative tax collection estimates of Rs 27.6 trillion. This would be primarily due to better-than-expected GST collections—the GST mop-up has been robust for the past nine months, with the April collections hitting Rs 1.68 trillion. Economists have also pointed out the growth numbers baked into Budget FY23 are conservative and that the Centre’s tax receipts, net of transfers to the state, could be Rs 1.4-1.5 trillion more than the budgeted Rs 19.35 trillion. Before the latest decision, finance secretary TV Somanathan had sounded confident that the additional expenses of Rs 1.8 trillion on fertiliser and food subsidies could be made up by better net tax receipts and bigger disinvestment proceeds.  However, it is early days yet, and given the uncertainty in the global economy with no end in sight to the Russia-Ukraine hostilities, talk of a recession in the US, poor visibility on crude oil prices, and rising interest rates, it would be prudent not to count one’s chickens before they have hatched. At the same time, measures are needed to help rein in the runaway prices of goods and services that could hurt the nascent recovery and de-rail growth. Retail inflation for April came in at nearly 8%, well beyond the Reserve Bank of India’s (RBI’s) tolerance limit of 6%, and is threatening to choke consumption demand that has been generally sluggish for many quarters now. Private final consumption expenditure (PFCE) increased by 7% year-on-year in Q3FY22, but this came off an anaemic base of just 0.6% y-o-y in Q3FY21. As companies pass on their additional expenses on raw materials by way of price hikes, inflationary pressures could become entrenched. Against this backdrop, any effort to hold the price line will supplement the efforts of RBI, which earlier this month kicked off what could be the first of a series of interest rate hikes aimed at taming inflation. The 40-basis-points rise in the repo rate has driven up bond yields to levels of 7.3-7.4% at the longer end and even more at the shorter end. Should inflationary expectations go up, yields could spike further, making it harder for the government to borrow the Rs 14.31 trillion that it intends to do this year. It is important, even critical, that the government is able to mop up money from the markets to be able to spend, especially on capital expenditure. At Rs 12.2 trillion, the budgeted capex, including spends by public sector undertakings and Rs 1 trillion support to states, is an increase of only 10%. Consequently, the government must use whatever fiscal room it has—and it does have some—to support the economy. Very few states followed the Centre after the last round of cuts on diesel and petrol levies in November last year. However, this time around, they must do their bit by lowering state-levies so that households see a meaningful reduction in prices and the cascading effects of already elevated diesel prices are curbed. States need to remember that the economy is as much theirs as it is the Centre’s and that any slowdown would hit them as badly. This is no time to resort to politicking. [ad_2] Source link

[ad_1] While physical health and happiness are the most important cornerstones of a successful life, you should also pay attention to your financial health and well-being. After all, getting in good financial shape can make life considerably less stressful. Of course, you also want to be able to afford things like braces for your kids, college tuition, and family vacations you’ll always remember. Unfortunately, not enough people take actionable steps to improve their finances, and the statistics prove it. A 2021 report from Experian shows that the average credit card balance worked out to $5,525 that year, and that the average person had over $25,000 in non-mortgage debt. Average retirement savings are also downright depressing, with those between ages 40 to 44 having just $101,899.22 saved for retirement, and individuals ages 55 to 59 having just $223,493.56 according to 2019-2020 Federal Reserve SCF data. #ap34937-ww{padding-top:20px;position:relative;text-align:center;font-size:12px;font-family:Lato,Arial,sans-serif}#ap34937-ww #ap34937-ww-indicator{text-align:right}#ap34937-ww #ap34937-ww-indicator-wrapper{display:inline-flex;align-items:center;justify-content:flex-end}#ap34937-ww #ap34937-ww-indicator-wrapper:hover #ap34937-ww-text{display:block}#ap34937-ww #ap34937-ww-indicator-wrapper:hover #ap34937-ww-label{display:none}#ap34937-ww #ap34937-ww-text{margin:auto 3px auto auto}#ap34937-ww #ap34937-ww-label{margin-left:4px;margin-right:3px}#ap34937-ww #ap34937-ww-icon{margin:auto;padding:1px;display:inline-block;width:15px;height:15px;min-width:15px;min-height:15px;cursor:pointer}#ap34937-ww #ap34937-ww-icon img{vertical-align:middle;width:15px;height:15px;min-width:15px;min-height:15px}#ap34937-ww #ap34937-ww-text-bottom{margin:5px}#ap34937-ww #ap34937-ww-text{display:none}#ap34937-ww #ap34937-ww-icon img{text-indent:-9999px;color:transparent} Ads by Money. We may be compensated if you click this ad.Ad #ap34937-w-map{max-width:600px;padding:20px 0 10px;margin:0 auto;text-align:center;font-family:”Lato”, Arial, Roboto, sans-serif}#ap34937-w-map #ap34937-w-map-title{color:#212529;font-size:18px;font-weight:700;line-height:27px}#ap34937-w-map #ap34937-w-map-subtitle{color:#9b9b9b;font-size:16px;font-style:italic;line-height:24px}#ap34937-w-map #ap34937-w-disclosure{margin-top:10px;font-size:12px;color:#9b9b9b}#ap34937-w-map #ap34937-w-map-map{max-width:98%;width:100%;height:0;padding-bottom:65%;margin-bottom:20px;position:relative}#ap34937-w-map #ap34937-w-map-map svg{position:absolute;left:0;top:0}#ap34937-w-map #ap34937-w-map-map svg path{fill:#e3efff;stroke:#9b9b9b;pointer-events:all;transition:fill 0.6s ease-in, stroke 0.6s ease-in, stroke-width 0.6s ease-in}#ap34937-w-map #ap34937-w-map-map svg path:hover{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9;cursor:pointer}#ap34937-w-map #ap34937-w-map-map svg g rect{fill:#e3efff;stroke:#9b9b9b;pointer-events:all;transition:fill 0.6s ease-in, stroke 0.6s ease-in, stroke-width 0.6s ease-in}#ap34937-w-map #ap34937-w-map-map svg g text{fill:#000;text-anchor:middle;font:10px Arial;transition:fill 0.6s ease-in}#ap34937-w-map #ap34937-w-map-map svg g .ap00646-w-map-state{display:none}#ap34937-w-map #ap34937-w-map-map svg g .ap00646-w-map-state rect{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9}#ap34937-w-map #ap34937-w-map-map svg g .ap00646-w-map-state text{fill:#fff;font:19px Arial;font-weight:bold}#ap34937-w-map #ap34937-w-map-map svg g:hover{cursor:pointer}#ap34937-w-map #ap34937-w-map-map svg g:hover rect{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9}#ap34937-w-map #ap34937-w-map-map svg g:hover text{fill:#fff}#ap34937-w-map #ap34937-w-map-map svg g:hover .ap00646-w-map-state{display:initial}#ap34937-w-map #ap34937-w-map-btn{padding:9px 41px;display:inline-block;color:#fff;font-size:16px;line-height:1.25;text-decoration:none;background-color:#1261c9;border-radius:2px}#ap34937-w-map #ap34937-w-map-btn:hover{color:#fff;background-color:#508fc9} Need to straighten up your finances but don't know where to start? Let a financial advisor pave the way. SmartAsset offers one-on-one personalized financial planning that adjusts to your budgets and needs. Click your state to get started! HawaiiAlaskaFloridaSouth CarolinaGeorgiaAlabamaNorth CarolinaTennesseeRIRhode IslandCTConnecticutMAMassachusettsMaineNHNew HampshireVTVermontNew YorkNJNew JerseyDEDelawareMDMarylandWest VirginiaOhioMichiganArizonaNevadaUtahColoradoNew MexicoSouth DakotaIowaIndianaIllinoisMinnesotaWisconsinMissouriLouisianaVirginiaDCWashington DCIdahoCaliforniaNorth DakotaWashingtonOregonMontanaWyomingNebraskaKansasOklahomaPennsylvaniaKentuckyMississippiArkansasTexas Get Personalized Advice Financial Advisor (Planner) vs. Financial Coach The fact is, many Americans desperately need to make some changes with their finances, but not enough people take steps to do it. This is true even though financial professionals are easy to find, both online and within nearly any community across the United States. But, that could be a big part of the problem. Not only are there a plethora of financial advisors to choose from, but there are financial coaches offering services as well. Many consumers don’t know the difference, and they may get stuck in a situation where “analysis paralysis” takes over. If you’re hoping to turn your finances around and looking for professional advice and help, you may be wondering why you would turn to a financial advisor, a financial coach, or potentially even both. Read on to learn how financial advisors and financial coaches differ and what you should consider before you use either one. What is a Financial Advisor? A financial advisor is a trained financial professional who helps clients invest for the long-term, usually for retirement. Financial advisors assist their clients when it comes to building portfolios of investments that make sense for their investment timeline and goals, and they advise them on planning for life’s big milestones such as buying a home or paying for college. Not only that, but financial advisors are the professionals you want to work with if you need help with complex financial matters like estate planning and charitable giving. Some financial advisors charge a flat fee for their services, yet others charge fees based on assets under management (AUM). Others earn a living via commissions they earn when they sell investments like mutual funds and annuities. Also note that the best financial advisors are a fiduciary, meaning they are legally obligated to act in your best interests. It’s also worth recognizing that technology and the internet have made it possible to hire an online financial advisor, which some may refer to as a robo-advisor. With a robo-advisor like Personal Capital or Betterment, you can get access to a professional financial advisor online, and with the help of technology and tools. Online financial advisors also tend to be less expensive than traditional advisors, so that’s worth considering as you decide which person or company you want to work with. Related: How to Pick a Financial Advisor Financial Advisor Qualifications While anyone can call themselves a financial coach, becoming a financial advisor takes several more steps. For starters, financial advisors are licensed and registered with the Financial Industry Regulatory Authority (FINRA), which oversees the industry at large. Most financial advisors also have a bachelor’s degree, although this is not always the case. Some financial advisors also take additional steps to become a Certified Financial Planner (CFP). Becoming a CFP requires a bachelor’s degree plus additional courses, on-the-job training, and the passage of the CFP exam. All said, becoming a CFP requires 12 to 18 months after the completion of a bachelor’s degree. Make sure to check out my guide to How to Become a CFP if you want a more in-depth explanation of the process. Financial advisors can also work to become a RIA (Registered Investment Advisor), which requires passing the Series 65 Exam, registering with the state of the Securities and Exchange Commission (SEC), and more. Pros and Cons of Using a Financial Advisor There are many pros and cons that can come with working with a financial advisor, although some of them depend on the individual advisor you select. Here are the main advantages and disadvantages to be aware of. Pros: Financial advisors are licensed professionals, and many of them have decades of experience helping clients build wealth. Financial advisors are the go-to experts you should turn to when you need help creating a financial plan and portfolio for the future. Many professional advisors are a fiduciary. Fiduciary advisors are legally required to act in your best interests, so it’s smart to seek out an advisor with this designation. Financial planners make it possible to outsource your investing strategy so you can focus on other areas of your life. Financial advisors tend to