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[ad_1] U.S. FAA backs inspections, strengthening key part for Boeing 777-200 engines [ad_2] Source link

[ad_1] At a time when growth in sales is an essential parameter for survival, a dedicated user-friendly, AI and machine learning-enabled sales software has been launched for SMEs and startups. Sales Simplify promises to convert the leads upto 300% with its high-performing all-in-one solution built just for the sales teams. Ever since the sales automation software was unveiled, the platform has bagged over 100 clients with more than 300 businesses all over the globe within the first week of its launch. The software enables to build pipelines in minutes, schedules follow-ups, tasks, calls, emails and gets synced with the user’s calendar easily. One can also track all tasks, events, meetings and activities in one place through this software. “A sales process consists of multiple steps right from getting a lead to converting it. However, all this massive work to be managed and tracked by the sales team without any error becomes tedious and time-consuming. We have built a super intuitive tool to simplify your customer management, sales processes, activities and tasks, with straightforward features. You need to bid adieu to spreadsheets and complex tools, leverage our AI & ML powered sales software, Sales Simplify, to abridge prospecting and winning deals. The registration of over 100 users within seven days of its launch is a testimony to our highly secured and user-friendly platform,” said Prem Saini, founder and CEO, Sales Simplify. At a time when data theft has become a serious issue for organisations, Sales Simplify safeguards the data and privacy. The user can have full transparency and security with the data usage. Its omnichannel customer support solution enables remote teams management and resolve sales issues faster. It helps to collaborate with multiple team members anytime and anywhere with well-structured data available with a click. According to Saini, this software is best for startups, freelancers, SMEs and sales teams who want to save their time and money and convert maximum leadsinto actual sales. [ad_2] Source link

[ad_1] This week’s HW+ member spotlight features Shant Banosian, executive vice president of sales at Guaranteed Rate. Banosian broke a new record this year, topping his record-setting 2020 and funding a whopping $2 billion in total origination volume, which is believed to be a record for a retail loan originator. According to HousingWire’s most recent coverage, Banosian, who has several dozen team members, has funded over $7 billion loans throughout his career, and has been with Guaranteed Rate for over 14 years. Below, Banosian answers questions about the housing industry: HousingWire: To start off, what is your current favorite HW+ article? Shant Banosian: HW+ has been a huge asset to me over the past two years. When the pandemic first started, people were really looking for information on what was happening with housing. At that point, I started doing Facebook lives to update my network and connections on what I was seeing in the market. We still do those updates today, about once per week, so having access to HW+ is so helpful. Specifically, I like to read the articles by Lead Analyst Logan Mohtashami. His articles always dive into all sorts of housing and mortgage data, which helps me keep a pulse on where the market is at and where it may be headed. HousingWire:  What has been the most useful tech tool for you? Shant Banosian: There are a few tools my team and I use to make our days more efficient. We use the Teams app to stay in constant communication with each other. We use Shared Email Templates to quickly send formatted emails to clients and partners throughout the day. And finally, we use our digital mortgage app at Guaranteed Rate, which helps us stay on top of loans even when we are on the go.  HousingWire: What has been one of your biggest learning opportunities? Shant Banosian: I think 2020 was a huge learning opportunity not just for myself and my team, but for the industry. The way we did things was forced to change, pretty much overnight. I think the industry did a great job of quickly pivoting to technology to be able to close loans when the world shut down. I think the quick adaptation of technology moved our industry forward years and has definitely had an impact on how I embrace new technology today.  HousingWire: When do you feel success in your job? Shant Banosian: I’m working on the business, not just in the business. While so much of our time as loan originators is spent talking to clients, working on deals, etc., my favorite part of what I do is working with a CEO mindset. Taking clarity breaks, thinking about the future of the business, coming up with ways to stay ahead of the competition, and figuring out ways to be more efficient and more innovative. HousingWire: What’s the best piece of advice you’ve ever received? Shant Banosian:  My dad taught me there’s always something you can be doing and no second should be wasted. I’ve taken this advice with me all the way through my career. Everyday I’m up at 4 AM and start the day by reading, meditating, and getting a workout in. This routine sets me up for success each day before heading to the office, where my day is scheduled down to the minute. HousingWire: What are 2-3 trends that you’re closely following?  Shant Banosian: Second home markets. They have been on the rise since the start of the pandemic and are up about 20% in the last year.   Exurbs (areas a little further out than the suburbs): We started seeing a rise in home prices here as buyers got priced out of the suburbs. I think with the new variants and companies extending work from home, people are still migrating further out from the cities to find a home that meets their needs.  The utilization of artificial intelligence within the mortgage industry to make client experience better and close loans faster.   HousingWire: What keeps you up at night and why? Shant Banosian: Nothing keeps me up at night. This business is ever evolving and we certainly face new challenges every day. However, we love those challenges — it keeps the business fun and ever evolving. HousingWire: What do you think will be the big themes for the housing market in 2022? Shant Banosian: I think we will have another intense spring market filled with bidding wars and lots of competition. Inventory is low and demand is high. Additionally, rents are on the rise. Another big theme I think we will see in 2022 is cash-out refinances leading the way from a refinance standpoint. People have a lot of equity in their homes and borrowing costs are cheap. With rising inflation, I think we will see people take advantage of the cash they have in their home equity.   Finally, this will be the first year without government stimulus impacting the financial markets, so we will be watching this closely and will see how the economy reacts. To become an HW+ member, click here. For more information on HW+ benefits, click here. To view past issues of our HW+ exclusive HousingWire Magazine, go here. The post HW+ Member Spotlight: Shant Banosian appeared first on HousingWire. [ad_2] Source link

[ad_1] The post 5 Classic Stocks That Have Weathered at Least Two Recessions appeared first on Millennial Money. These classic stocks have adapted to some major downturns and delivered strong returns over the long haul. The U.S. economy is doing well by many accounts right now. Wages are increasing, unemployment is low, and an in-demand labor force has enabled many workers to leave their current positions for better ones.  Meanwhile, the stock market has been running red-hot after a quick plummet in early 2020. But some experts think the market could be too hot and that a cooldown is inevitable. After all, the economic recovery from the COVID-19 pandemic still feels fragile. Supply-chain disruptions are common, some small businesses are struggling to find workers, and inflation is at a forty-year high.  For long-term investors who want to plan for the worst (while hoping for the best), there are some fantastic stocks that have proved their mettle during difficult times. The stocks on this list have gone through at least two official recessions — and have easily put up larger gains than the S&P 500.  5 Classic Stocks That Have Weathered 2 Recessions Here are 5 classic stocks that have weathered 2 recessions.   Microsoft Home Depot  Alphabet  Target Nike Microsoft (NASDAQ: MSFT) Microsoft (NASDAQ:MSFT) Price: $327.29 (as of close Dec 21, 2021) Market Cap: $2.457T document.addEventListener(“DOMContentLoaded”, function(event) { Highcharts.stockChart(“stockChart-beb14b6c602ff43b496c1af2a7d381ab”,{rangeSelector:{selected:1},title:{text:”Microsoft (NASDAQ:MSFT)Closing Stock Price”},subtitle: {text: “Historical Data”},navigator: { enabled: false },scrollbar: { enabled: false },credits: { enabled: false },xAxis: { type: “datetime”, labels: { formatter: function() { return Highcharts.dateFormat(“%m %d, %Y”, this.value); }}},colors: [“#118b4e”],rangeSelector : { enabled: false 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1635825600000,333.13],[1635912000000,334],[1635998400000,336.44],[1636084800000,336.06],[1636347600000,336.99],[1636434000000,335.95],[1636520400000,330.8],[1636606800000,332.43],[1636693200000,336.72],[1636952400000,336.07],[1637038800000,339.51],[1637125200000,339.12],[1637211600000,341.27],[1637298000000,343.11],[1637557200000,339.83],[1637643600000,337.68],[1637730000000,337.91],[1637902800000,329.68],[1638162000000,336.63],[1638248400000,330.59],[1638334800000,330.08],[1638421200000,329.49],[1638507600000,323.01],[1638766800000,326.19],[1638853200000,334.92],[1638939600000,334.97],[1639026000000,333.1],[1639112400000,342.54],[1639371600000,339.4],[1639458000000,328.34],[1639544400000,334.65],[1639630800000,324.9],[1639717200000,323.8],[1639976400000,319.91],[1640062800000,327.29],],tooltip:{valueDecimals:2,xDateFormat: “%A, %B %e, %Y”}}]}); }); There was a time when the classic stock Microsoft seemed to have lost its innovative edge. But in the past few years, the company has returned to being a leader in the tech space. It’s also a great classic stock for weathering recessions.  Take the recession we saw in 2001. It was caused by the bursting of the dot-com bubble and the terrorist attacks of September 11 and lasted until November 2001. During that period, the S&P 500 lost nearly 13% of its value. Meanwhile, Microsoft’s stock price jumped 3%. Microsoft’s stock wasn’t immune to the next economic downturn, however. Its share price slid 30% during the Great Recession. Still, its stock outpaced the broader market’s fall over that time, and most importantly, Microsoft’s share price has gained more than 1,400% since the Great Recession ended.  Share price gains aside, Microsoft deserves a spot on this list because the company has reinvented itself during some difficult times.  Shortly after the Great Recession ended, Microsoft officially launched its commercial cloud computing service, Azure. It has since become the second-largest cloud computing service, behind Amazon’s AWS, and was a turning point in the company’s future.  Today, Microsoft is worth more than $2.5 trillion, up more than ten times from its market cap at the beginning of 2010. With the company already a cloud computing leader and a fantastic stock despite three recessions in 20 years, investors would be wise to keep Microsoft on their shortlists. Home Depot (NYSE: HD) Home Depot (NYSE:HD) Price: $390.47 (as of close Dec 20, 2021) Market Cap: $406.627B document.addEventListener(“DOMContentLoaded”, function(event) { Highcharts.stockChart(“stockChart-78e510c5541ab31246bf2b94d4d1c79a”,{rangeSelector:{selected:1},title:{text:”Home Depot (NYSE:HD)Closing Stock Price”},subtitle: {text: “Historical Data”},navigator: { enabled: false },scrollbar: { enabled: false },credits: { enabled: false },xAxis: { type: “datetime”, labels: { formatter: function() { return Highcharts.dateFormat(“%m %d, %Y”, this.value); }}},colors: [“#118b4e”],rangeSelector : { enabled: false 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“%A, %B %e, %Y”}}]}); }); It may seem odd to have this home improvement retailer on a list of companies that have withstood economic downturns, considering that the 2008 recession was the result of a collapse in the housing market. During that time, Home Depot’s share price fell by 17%. That’s a significant drop. But it was better than the S&P 500’s 38% plummet.   Let that sink in for just a second. During a housing market collapse, Home Depot’s stock was still a safer bet than the broader stock market. Better yet, just two years after that tumultuous economic time, Home Depot’s share price was making huge gains and the stock started a growth curve that hasn’t stopped. Sure, there have been some drops along the way, but the stock has gained an astounding 1,000% since 2010 — nearly four times the broader market’s gains. Of course, some of those tremendous share price gains have come during the COVID-19 pandemic, as home buying and house projects have soared. But even if you ignore those pandemic-influenced gains over the past two years, Home Depot’s stock still beat the market by more than three times between 2010 and 2019. The company recently reported very strong third-quarter results, in which sales increased by nearly 10%, comparable sales were up 6%, and earnings spiked 23%. And there’s no indication that demand will slow down anytime soon.  No stock is truly recession-proof (every company feels some effects of a recession), but Home Depot has proved for more than two decades that its business can handle major downturns and come back stronger than ever.  Alphabet (NASDAQ: GOOGL) Alphabet (A shares) (NASDAQ:GOOGL) Price: $2869.45 (as of close Dec 21, 2021) Market Cap: $1.909T document.addEventListener(“DOMContentLoaded”, function(event) { Highcharts.stockChart(“stockChart-aa7cbd4792db8b0686602d9ab313eaa5”,{rangeSelector:{selected:1},title:{text:”Alphabet (A shares) (NASDAQ:GOOGL)Closing Stock Price”},subtitle: {text: “Historical Data”},navigator: { enabled: false },scrollbar: { enabled: false },credits: { enabled: false },xAxis: { type: “datetime”, labels: { formatter: function() { return Highcharts.dateFormat(“%m %d, %Y”, this.value); }}},colors: [“#118b4e”],rangeSelector : { enabled: false 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“%A, %B %e, %Y”}}]}); }); The classic stock Alphabet is the parent company of Google. The company made a name change back in 2015 so it could differentiate its Google business from the long list of other businesses the company owns.  For example, Alphabet is also the parent company of the self-driving car company Waymo, the cloud services company called Google Cloud Platform, and a host of other companies and services ranging from the Android operating system to Pixel phones.  Alphabet has long been a staple of the investing world, earning a place

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[ad_1] The Haryana government on Wednesday amended its Excise Act paving the way for lowering of the legal age for consumption of liquor, its purchase or sale from the existing 25 years to 21 years in the state. In this regard, the Haryana Excise (Amendment) Bill, 2021 was passed by the State Assembly here. The National Capital Territory of Delhi has also recently reduced the age limit to 21. Moreover, the socio-economic conditions of the day have changed drastically from the time when the above provisions were incorporated in the Excise Act, the bill said. The people now are more educated and participating in new endeavours and also can take rational decisions when it comes to responsible drinking, states the Bill. [ad_2] Source link

[ad_1] The post Real Estate Crowdfunding for Non-Accredited Investors appeared first on Millennial Money. In this article, we’ll explore the best real estate crowdfunding sites for non-accredited investors. Real estate can be an exciting opportunity for investors. It can also be frightening when you consider how expensive and risky it is. But real estate crowdfunding platforms have made it easy for investors to make money from real estate safely and passively. Simply put, crowdfunding removes many of the barriers and risks associated with traditional real estate purchases. Instead of buying individual properties outright, real estate crowdfunding enables you to go in on real estate deals with a group of other investors. There’s just one problem: Many of these real estate crowdfunding sites require you to be an accredited investor to participate. That means you must consistently earn $200,000 per year or have a net worth above $1 million. Luckily, we’ve found some real estate crowdfunding platforms that will let you in on the fun even if you’re a non-accredited investor. In this article, we’ll list the biggest players in the space, give you an overview of how crowdfunding works, and share some tips for maximizing your revenue.  Keep reading to learn whether a real estate crowdfunding investment makes sense for your specific situation. Accredited vs. non-accredited: What’s the difference?  Before jumping in, it’s important to do your due diligence and see which investment platforms you qualify for and which ones you don’t. If you’re like most people, you’re a non-accredited investor. Therefore, you aren’t eligible to participate in some crowdfunding platforms that are open only to accredited investors (e.g., CrowdStreet).  In case you’re unfamiliar with the differences between accredited and non-accredited investors, here’s a quick primer.  According to the Securities and Exchange Commission (SEC), accredited investors are individual investors who earn at least $200,000 in income in two of the most recent years, or couples who earn at least $300,000 for the two most recent years. Alternatively, if the individual or couple has a net worth of at least $1 million at the time of the transaction, that also counts as being accredited. Non-accredited investors include the vast majority of the population that earns under the above amounts and has less than $1 million in net worth. As you might expect, only a small handful of investors are accredited. With that in mind, here are some of the top crowdfunding sites for non-accredited investors for you to explore in 2021.  Best Real Estate Crowdfunding Sites for Non-accredited Investors  Fundrise RealtyMogul DiversyFund Modiv (formerly Rich Uncles) Streitwise 1. Fundrise  Fundrise is a leading crowdfunding platform that follows a “value investing” strategy. In that approach, the firm strives to acquire undervalued properties and upgrade them to generate a profit for its investors.  Fundrise has a relatively low minimum investment level of only $500 (for its Starter Plan). If you have at least $1,000 to invest, you can select one of Fundrise’s three Core Plans, which follow a particular investment goal: Supplemental Income Balanced Investing Long-term Growth  BOTTOM LINE: Fundrise is appealing to new investors because of its user-friendly platform and low barrier to entry. 2. RealtyMogul RealtyMogul is a popular crowdfunding site that lets both accredited and non-accredited investors invest in commercial real estate opportunities.  There’s a $5,000 minimum investment required to start. Unfortunately, that’s going to be a deal-breaker for some.  Once you’re enrolled, you can share your investing goals and view your eligible investments. Accredited investors can invest in any of RealtyMogul’s funds. But non-accredited investors are limited to the firm’s in-house real estate investment trusts (REITs) — MogulREIT I and MogulREIT II. Essentially, these are managed real estate portfolios.   RealtyMogul also offers an auto investing feature for its REIT investors.  BOTTOM LINE: RealtyMogul might be an attractive option if you have at least $5,000 to invest. 3. DiversyFund DiversyFund is a real estate crowdfunding platform that focuses on only multifamily apartment buildings of 100 units or more. Another unique feature about the firm is that it owns all of the properties under management.  Overall, DiversyFund is a great option for everyday investors because it comes with fully automated investing services, no management fees, and a minimum starting investment of just $500.  If that sounds appealing to you, check out DiversyFund’s high-growth REIT, which is available to all U.S. residents. BOTTOM LINE: DiversyFund offers one of the easiest ways to earn income from massive multifamily apartment buildings. 4. Modiv (formerly Rich Uncles) Modiv started out as Rich Uncles and is a fully investor-owned platform.  Under the Modiv name, non-accredited investors can purchase shares of revenue-generating commercial real estate assets. The company has over $400 million worth of real estate assets under management and is the largest crowdfunded equity REIT in the US. Check out Modiv’s full portfolio here. The minimum starting investment is $1,000, putting Modiv in the middle of the road in terms of deposit requirements.  BOTTOM LINE: Modiv offers a unique experience from the competition because it’s investor-owned. 5. Streitwise  Streitwise is a crowdfunding platform that allows both accredited and non-accredited investors to purchase shares of federally registered real estate offerings.  Technically, Streitwise is a non-traded REIT, meaning that the asset class isn’t traded on Wall Street. Therefore, it’s not subject to stock market volatility.  At the time of this writing, the minimum investment for Streitwise is $1,021, which gets you about 100 shares of its sole current offering, 1st Streit Office. BOTTOM LINE: Streiwise offers a unique approach to crowdfunding in that it’s a non-traded REIT and only has one investment available. It might be an appealing choice for investors that want a simple real estate portfolio. Real Estate Crowdfunding: A Deeper Look As you can see, each real estate crowdfunding company has its own unique approach. So you’ll want to research the market to find a platform that aligns with your specific goals and needs, just as you would do before investing in a stock. However, the concept is basically the same across all the

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