Healthcare is the largest expenditure by the province of Ontario
There is misinformation by Ontario Liberals when it comes to how Ontario PC would handle healthcare and/or how the funding has flow to front-line services
Healthcare is the largest expenditure by the province of Ontario
There is misinformation by Ontario Liberals when it comes to how Ontario PC would handle healthcare and/or how the funding has flow to front-line services
Healthcare is a key area for many countries
Canada spends roughly 10% of GDP on healthcare or about $200B. Approximately 20% comes from the federal government through the HST
The largest expenditures for provinces is healthcare. Ontario for example spends around $55B or about 40% of their budget on healthcare
There is lots of waste within healthcare as many provinces have not done a very good job when it comes to value for money/healthcare
Healthcare is a key area for many countries
Canada spends roughly 10% of GDP on healthcare or about $200B. Approximately 20% comes from the federal government through the HST
The largest expenditures for provinces is healthcare. Ontario for example spends around $55B or about 40% of their budget on healthcare
There is lots of waste within healthcare as many provinces have not done a very good job when it comes to value for money/healthcare
Healthcare is the largest expenditure by the province of Ontario
There is misinformation by Ontario Liberals when it comes to how Ontario PC would handle healthcare and/or how the funding has flow to front-line services
Healthcare is a key area for many countries
Canada spends roughly 10% of GDP on healthcare or about $200B. Approximately 20% comes from the federal government through the HST
The largest expenditures for provinces is healthcare. Ontario for example spends around $55B or about 40% of their budget on healthcare
There is lots of waste within healthcare as many provinces have not done a very good job when it comes to value for money/healthcare
Healthcare is a key area for many countries
Canada spends roughly 10% of GDP on healthcare or about $200B. Approximately 20% comes from the federal government through the HST
The largest expenditures for provinces is healthcare. Ontario for example spends around $55B or about 40% of their budget on healthcare
There is lots of waste within healthcare as many provinces have not done a very good job when it comes to value for money/healthcare
All party leaders are making promises as part of getting elected. The problem is that both Horwath and Wynne are being less than truthful as Ontario has a structural deficit of $11B.
Structural deficits do not go away overnight as decision have to be made including gap action plans.
It would be nice if Wynne and Horwath would discuss how they will restructured government instead pointing the finger at Ford.
This presentation to financial analysts identifies some flow-ons from the 2016 Budget, and identifies areas where private sector investment could accelerate innovation and transparency
Introduction: We Need Reform; It’s Up To Us!
Health Care Costs
Lack of Insurance
We Have to Cover Everyone to Control Costs!
Politics of Reform
Obstacles to Reform
Reform Proposals: What’s On the Table
Single Payer: Keep Fighting
Keep Fighting: For Affordability, Abortion, Access
Countdown to Health Reform
Congress is close to passing substantial health reform, with important incremental steps to expand coverage, improve quality, and begin to control costs
Many are misinformed or uninformed about the proposals.
This resource presents:
The Problems
Cost, Access, Quality
Financing, Organization, Delivery
Health Care and Health
Why Insurance Doesn’t Work
The Politics of Reform
The Proposals: House and Senate
Keep Fighting for Single Payer
Fix It and Pass It!
This presentation discusses the impact of health reform. It begins by defining the problem, then provides an overview of legislation and the impact on business. It provides a contrarian view of the subject and explains why health reform is really insurance reform. It also introduces the concept of consumer sovereignty,
The Affordable Care Act and Its Impact on Workers’ CompensationCognizant
While the Affordable Care Act (ACA) is expected to reduce the number of uninsured and improve personal wellness in the U.S., the law's changes in workforce definitions will significantly impact workforce dynamics, employee hiring, employers' benefits strategies and wellness programs -- requiring a reevaluation of how workers' compensation is accounted for and delivered.
As per Centers for Medicare & Medicaid Services predicted that Healthcare expenditures reach beyond $5.7 trillion in the US include payments for all healthcare costs, including pharmaceuticals, equipment, and technology from 2010 to 2026.
The worldwide health industry was valued at $8.45 trillion out of 2018.
Worldwide healthcare spending could reach more than $10 trillion by 2022.
The US has the best healthcare spending, sitting at $10,224 per capita.
The US spends twice what different nations do on healthcare.
There are 784,626 organizations in the US healthcare area.
McKesson is the greatest US healthcare organization with a yearly income of $208.3 billion.
The web of things (IoT) can bring down the expenses of functional and clinical failures by $100 billion every year.
64% of doctors accept the IoT can assist with lessening the weight on medical caretakers and specialists.
28% of China's populace utilizes associated health gadgets, the most noteworthy on the planet.
Federal Government Transfers to Provinces for Healthcare Education Childcarepaul young cpa, cga
This presentation discuss the transfers for money from the have provinces to have not provinces.
There are following funds: 1. CST 2. HST 3. Equalization 4 TFF
The presentation will talk about the funding and include comments from the provinces.
All party leaders are making promises as part of getting elected. The problem is that both Horwath and Wynne are being less than truthful as Ontario has a structural deficit of $11B.
Structural deficits do not go away overnight as decision have to be made including gap action plans.
It would be nice if Wynne and Horwath would discuss how they will restructured government instead pointing the finger at Ford.
This presentation to financial analysts identifies some flow-ons from the 2016 Budget, and identifies areas where private sector investment could accelerate innovation and transparency
Introduction: We Need Reform; It’s Up To Us!
Health Care Costs
Lack of Insurance
We Have to Cover Everyone to Control Costs!
Politics of Reform
Obstacles to Reform
Reform Proposals: What’s On the Table
Single Payer: Keep Fighting
Keep Fighting: For Affordability, Abortion, Access
Countdown to Health Reform
Congress is close to passing substantial health reform, with important incremental steps to expand coverage, improve quality, and begin to control costs
Many are misinformed or uninformed about the proposals.
This resource presents:
The Problems
Cost, Access, Quality
Financing, Organization, Delivery
Health Care and Health
Why Insurance Doesn’t Work
The Politics of Reform
The Proposals: House and Senate
Keep Fighting for Single Payer
Fix It and Pass It!
This presentation discusses the impact of health reform. It begins by defining the problem, then provides an overview of legislation and the impact on business. It provides a contrarian view of the subject and explains why health reform is really insurance reform. It also introduces the concept of consumer sovereignty,
The Affordable Care Act and Its Impact on Workers’ CompensationCognizant
While the Affordable Care Act (ACA) is expected to reduce the number of uninsured and improve personal wellness in the U.S., the law's changes in workforce definitions will significantly impact workforce dynamics, employee hiring, employers' benefits strategies and wellness programs -- requiring a reevaluation of how workers' compensation is accounted for and delivered.
As per Centers for Medicare & Medicaid Services predicted that Healthcare expenditures reach beyond $5.7 trillion in the US include payments for all healthcare costs, including pharmaceuticals, equipment, and technology from 2010 to 2026.
The worldwide health industry was valued at $8.45 trillion out of 2018.
Worldwide healthcare spending could reach more than $10 trillion by 2022.
The US has the best healthcare spending, sitting at $10,224 per capita.
The US spends twice what different nations do on healthcare.
There are 784,626 organizations in the US healthcare area.
McKesson is the greatest US healthcare organization with a yearly income of $208.3 billion.
The web of things (IoT) can bring down the expenses of functional and clinical failures by $100 billion every year.
64% of doctors accept the IoT can assist with lessening the weight on medical caretakers and specialists.
28% of China's populace utilizes associated health gadgets, the most noteworthy on the planet.
Federal Government Transfers to Provinces for Healthcare Education Childcarepaul young cpa, cga
This presentation discuss the transfers for money from the have provinces to have not provinces.
There are following funds: 1. CST 2. HST 3. Equalization 4 TFF
The presentation will talk about the funding and include comments from the provinces.
Progressive conservatives vs Liberal Government for Ontariopaul young cpa, cga
This presentation will look at 13+ years of governments led by Mike Harris (PC) as well as Liberals (Kathleen Wynne and Dalton McGuinty)
Ontario debt has double since 2003 and yet we have seen a deterioration in terms of the quality of services as well as the economy.
Healthcare Crisis| Canada and Ontario| Analysis and Commentary| May 2019paul young cpa, cga
This presentation will look at funding of healthcare along with the issues facing the delivery of healthcare dollars by the provinces and territories as part of improving patient care.
Healthcare| Ontario| | Analysis and Commentary| January 2019paul young cpa, cga
Healthcare is a key area for many countries
Canada spends roughly 10% of GDP on healthcare or about $200B. Approximately 20% comes from the federal government through the HST
The largest expenditures for provinces is healthcare. Ontario for example spends around $55B or about 40% of their budget on healthcare
There is lots of waste within healthcare as many provinces have not done a very good job when it comes to value for money/healthcare
The delivery model is broken!
Ontario Liberals - Kathleen Wynne and Dalton McGuinty era - January 2018paul young cpa, cga
Ontario GDP will grow at pace of 1.8 to 2.3% for the next decade or so.
Ontario has spending a problem - https://www.fraserinstitute.org/studies/spending-is-the-source-of-ontarios-deficit-and-debt-problem
Moodys has downgraded bonds and put Ontario on watch (http://www.metronews.ca/news/canada/2015/02/23/ontario-has-a-serious-spending-problem-finds-credit-report.html)
Budget watchdog also doubts Ontario will balance the budget - http://business.financialpost.com/news/economy/ontario-watchdog-says-balanced-budget-unlikely-for-several-years-despite-liberals-pledge
Healthcare professionals are saying the system is max (https://cupe.ca/1000-hospital-staff-travel-great-distances-kingston-rally-end-funding-freeze-choking-ontario
Ontario has issues with delivery of precious tax dollars to programs like healthcare, education, etc.
Hydro rates are schedule to go up after 2019 - https://globalnews.ca/news/3827189/hydro-ontario-plan-cost/
Here is a look at the issues facing Ontario including duplication of programs. The Liberals threw money at the symptoms which never fixes the root causes to issues facing the delivery of efficient and effective government.
People need to review all aspects of the various parties platform including looking at the annual report for government.
There is allot of information that is missing from statements made by various parties. Elections tend to allow parties to mislead the facts.
All government program spending needs to go through value for money including changes to the costing model
Too many governments are not getting value for their government services.
Government needs to become lean - https://fcpp.org/2018/10/12/employment-data-shows-canadas-public-sector-getting-fatter/
Canada needs to have competitive tax rates or risk a brain drain - https://www.slideshare.net/paulyoungcga/technology-market-canada-and-the-world-march-2019
Canada needs have govts that support policies that encourage business investment - https://www.slideshare.net/paulyoungcga/business-competitivesness-canada-march-2019
All politicians will promise you the world to get elected. The problem is Ontario's finances are a disaster as such next government not avoid the fiscal mess.
Tough decisions will need to be made by the next government to ensure programs are sustainable.
The problem is neither Wynne nor Horwath have the skill to restructured government
1IN T R O D U C T I O NThis comprehensive case study ser.docxdrennanmicah
1
IN T R O D U C T I O N
This comprehensive case study serves as a basis for the exercises included throughout the
book.
Coastal Medical Center (CMC) is a licensed, 450-bed regional referral hospital
providing a full range of services. The primary service area is a coastal city and three coun-
ties, with a total population greater than 995,000, located in the Sunbelt. This tricounty
area has had one of the fastest population growth rates in the country for the past five
years. According to the local health planning council, the tricounty population is projected
to increase by 15 percent from 2015 to 2020. Appendix A, at the end of this case study,
provides detailed population statistics for the city and tricounty area.
The population growth rate for households (families) has been 1 to 2 percentage
points higher than the overall population growth. The growth rate of the population under
age 44 shows a young and growing community. Per capita (i.e., per person) income in the
tricounty area is high and increasing. As the population of the tricounty area increases, the
need for healthcare services is anticipated to increase. The area’s economy is largely supported
by manufacturing, with service companies and agriculture accounting for another 35 percent.
Unemployment is typically 6 percent. The overall poverty rate is 12.4 percent. A recent study
revealed that 40,000 city residents are below 125 percent of the established federal poverty level.
HE A LT H C A R E CO S T S
Healthcare costs in the region are high in comparison to healthcare costs in most other
areas in the state. In response to what they feel are excessively high healthcare costs, county
C O A S TA L M E D I C A L C E N T E R
C O M P R E H E N S I V E C A S E
S T U D Y
00_Harrison (2302).indb 1 2/18/16 4:12 PM10/12/2018 - RS0000000000000000000000574903 (Baylee Soper) - Essentials of Strategic Planning
in Healthcare
2 E s s e n t i a l s o f S t r a t e g i c P l a n n i n g i n H e a l t h c a r e
businesses recently formed a business coalition, hired a full-time executive, and publicly
stated their intent to achieve reduction in healthcare costs. The local press has expressed its
concern about the high cost of healthcare in the local community and consistently bashes
the area’s hospitals and physicians. The coalition refused to allow the three major medical
centers in the area to join, despite the fact that each is a major employer.
TH E CO M P E T I T I O N
CMC has two major competitors. Johnson Medical Center (JMC) is the larger of a two-
hospital for-profit healthcare system, and Lutheran Medical Center (LMC) is the larger of
a two-hospital, faith-based not-for-profit healthcare system.
JMC is located less than two miles from CMC and is a 430-bed tertiary care facility.
JMC owns four nursing homes, two assisted living facilities, a durable medical equipment
company, a wellness center, an ambulance service, and an industrial medic.
Learn more about what is at stake in the “Super Committee” and the federal deficit-reduction deal for children, families, seniors and people with disabilities in Ohio. Leading statewide advocates will discuss how we work to maintain vital programs, such as SNAP, Medicaid, and Medicare.
Advocates for Ohio’s Future and our partners are also gearing up for a statewide “call-in day” on Wednesday, Sept 28 to Senator Portman’s offices in Columbus, Cincinnati, Cleveland, Toledo, and D.C. to make sure the Super Committee’s deficit-reduction plan does not increase poverty or income inequality.
You’ll hear from:
* Lisa Hamler-Fugitt, Executive Director of the Ohio Association of Second Harvest Foodbanks
Luke Russell, Associate State Director for Advocacy, AARP Ohio
Cathy Levine, Executive Director of UHCAN Ohio and Co-Chair of Ohio Consumers for Health Coverage
Deborah Nebel, Director of Public Policy, Linking Employment, Ability, and Potential
Wendy Patton, Senior Associate with Policy Matters Ohio
Will Petrik, Outreach Director with Advocates for Ohio’s Future
Similar to Government Policies - Healthcare- Ontario - January 2018 (20)
Global Housing Market Analysis and Commentary- September 2023.pptxpaul young cpa, cga
Summary:
Homebuilders are walking a fine line when it comes to new projects as high mortgage rates curb demand.
New residential construction, including single-family homes and multifamily, dropped 11.3% month over month in August to 1.283 million units on a seasonally adjusted basis, according to Census Bureau data released Tuesday. That's down 14.8% compared with a year ago and well below the 1.44 million units economists surveyed by Bloomberg projected.
But authorized residential permits — an indicator of potential future activity — rose 6.9% to 1.543 million permits in August from July. That was still down 2.7% from last August. Single-family permits, though, were up 2% from July to 949,000. Multifamily permits came in at 535,000.
The data reflects two opposing forces builders are trying to balance: the ongoing need for new construction to fill in limited inventory and elevated mortgage rates that are hurting their biggest customer right now, the first-time homebuyer.
"High mortgage rates are clearly taking a toll on builder confidence and consumer demand, as a growing number of buyers are electing to defer a home purchase until long-term rates move lower," Robert Dietz, chief economist of the National Association of Home Builders, said Monday in a press release after builder confidence dropped for the second straight month.
Source: https://ca.finance.yahoo.com/news/homebuilders-face-a-tough-balancing-act-on-new-construction-amid-high-mortgage-rates-130744368.html
Blog – What is next for the Mining Sector – September 2023
The mining sector provides critical material that support solar, wind, and lithium-ion batteries as part of the green transition. https://www.iea.org/news/critical-minerals-market-sees-unprecedented-growth-as-clean-energy-demand-drives-strong-increase-in-investment
The mining sector products play a key role with the global GDP - https://www.yicaiglobal.com/news/global-mining-industry-value-was-69-of-world-gdp-last-year-china-says
Mining practices need to be sustainable including following all ESG policies - https://www.linkedin.com/advice/1/how-can-you-monitor-sustainable-mining-practices
Other links and sources –
Lithium Supply and Price - https://zbr.com.mx/en/sin-categoria-es/lithium-prices-fall-44-in-china-due-to-lack-of-demand/138168/
Cobalt - https://www.linkedin.com/posts/mahmut-karada%C5%9F-a2b7a5151_china-exportrestrictions-gallium-activity-7082603182589157376-Zrty/?trk=public_profile_like_view
Nickel https://www.eureporter.co/business/2023/09/15/stanislav-kondrashov-from-telf-ag-nickel-prices-outlook-remains-positive/
Iron-ore - https://www.brecorder.com/news/40263584/sgx-iron-ore-set-for-best-week-in-3-months
TD Bank / Metals - https://www.tdsecurities.com/ca/en/setting-the-stage-for-gold-outlook
Biodiversity / Mining - https://worldcrunch.com/green/lithium-green-energy-argentina-indigenous
ESG - https://iriscarbon.com/the-added-value-of-integrated-esg-reporting-a-threefold-framework/
Blog – Manufacturing Shipments and Orders – The United States – August 2023
Summary:
New orders for manufacturing technology in the United States totaled $353.9 million in July 2023, as per the latest report by AMT – The Association For Manufacturing Technology. This figure marked a 12.4% decline from June 2023 but remained only 10.5% lower than July 2022. Year-to-date orders amounted to $2.83 billion, reflecting a 12.7% decrease compared to the same period the previous year.
Douglas K. Woods, President of AMT, noted that July is typically a slower month for manufacturing technology orders, so a slight drop was expected. However, he pointed out a notable trend: over the last two months, the year-to-date order gap has narrowed during historically slow periods. While job shops have seen decreased orders, other industries that benefited from reshoring or government investments have helped fill the gap.
Among specific sectors, job shops, the largest customer segment, placed their lowest total monthly orders since August 2020. In contrast, metal valve manufacturers recorded their third-highest monthly order value on record, last seen in September 2018, making up nearly 5% of the total manufacturing technology order value for July 2023. Manufacturers of motor vehicle transmissions continued to order machinery at an elevated pace. However, the aerospace industry continued to order below its early 2022 peaks, with hopes that recent projects like the federal government's $1.5 billion investment in communications satellites might reverse this trend.
Source: https://www.sme.org/technologies/articles/2023/september/u.s.-manufacturing-technology-orders-dip-in-july-but-show-resilience-amid-economic-uncertainty
Stock Market Analysis and Commentary for WE September 15 2023.pptxpaul young cpa, cga
Blog – Analysis and Commentary – Stock Market – WE September 15 2023
Summary:
Stocks fell Friday as investors wrap up a volatile week ahead of the Federal Reserve's policy meeting.
The Dow Jones Industrials tumbled 288.87 points to close out Friday and the week at 34,618.24. At its lows, it completely wiped out Thursday's 332-point rally.
The S&P 500 index sank 54.78 points, or 1.2%, to 4,450.32.
The NASDAQ index plunged 217.72 points, or 1.6%, to 13,708.33.
The Dow held onto a winning week. The S&P 500 and NASDAQ both closed out the week with losses.
Information technology was the worst-performing sector in the S&P 500, down nearly 2%. Adobe shares fell more than 4% even after the software firm posted better-than-expected quarterly results. Shares of Arm Holdings were lower one day after its successful public debut.
Auto stocks General Motors and Stellantis N.V. were higher Friday, while Ford Motor was about flat. Thousands of members of the United Auto Workers went on strike after failing to reach a deal with the automakers Thursday night.
Elsewhere, Lennar shares slid 3%. The home construction firm posted third-quarter results that beat on the top and bottom lines.
On the economic front, the University of Michigan's consumer sentiment survey showed one-year inflation expectations dropped to 3.1% in
September, tied for the lowest since January 2021. Also, the five-year outlook fell to 2.7%, matching its lowest since December 2020.
Electricity Analysis - Canada and the OECD - June 2023.pptxpaul young cpa, cga
Summary:
Over three-quarters of the world’s total coal-generated electricity is consumed in just three countries. China is the top user of coal, making up 53.3% of global coal demand, followed by India at 13.6%, and the U.S. at 8.9%.
Burning coal—for electricity, as well as metallurgy and cement production—is the world’s single largest source of CO2 emissions. Nevertheless, its use in electricity generation has actually grown 91.2% since 1997, the year when the first global climate agreement was signed in Kyoto, Japan.
However, even as non-renewables enjoy their time in the sun, their days could be numbered.
In 2022, renewables, such as wind, solar, and geothermal, represented 14.4% of total electricity generation with an extraordinary annual growth rate of 14.7%, driven by big gains in solar and wind. Non-renewables, by contrast, only managed an anemic 0.4%.
The authors of the Statistical Review do not include hydroelectric in their renewable calculations, even though many others, including the International Energy Agency, consider it a “well-established renewable power technology.”
With hydroelectric moved into the renewable column, together they accounted for over 29.3% of all electricity generated in 2022, with an annual growth rate of 7.4%.
Source - https://energynow.ca/2023/09/infographic-what-electricity-sources-power-the-world-see-them-here-visual-capitalist/
Stock Market Analysis and Commentary for WE September 9 2023.pptxpaul young cpa, cga
What did the markets tell us this week?
1. Housing supply and costs continue to plague countries around the world.
2. Gasoline prices are on the rise that puts pressure on central banks ability to hit their core inflation targets.
3. ESG adoption by both the private and public sector is leading to both funding concerns and the overall cost of implementing ESG policies.
4. Adopting technology as part of increasing food production is facing both capital and operational funding concerns.
5. Strike at LNG facility in Australia is leading to concerns around a supply chain disruption of natural gas for EMEA and Asia.
6. The threat of China dumping batteries into markets - https://www.ft.com/content/b6038e51-7b5b-4f97-a5da-9202e71562fc
7. Adoption of generative AI has been facing many challenges related to security, privacy, and ethical issues.
8. Lack of biodiversity planning as part of the overall climate mitigation including sustainable mining, forestry, oil, gas, agriculture, and housing
9. Geopolitical issues continue to impact supply chain.
10. The concerns of recession continue to plague both the private and public sector.
11. Productivity issues continue to plague governments around the world.
Global (Mining Oil and Gas Forestry and Agriculture) Analysis and Commentary ...paul young cpa, cga
The mining, oil, gas, agriculture, forestry, and mining continue to face environmental, social, and governance policy review including reporting of key metrics as part of ESG reporting cycle.
There is more focus on profitability and investment returns as part of the integrated planning and reporting cycle.
Summary:
The global economy faces what at least one forecaster is calling a mild trade recession as shipments from China slump and German factories downshift.
China’s export declines extended into August, though there were signs that the worst of a world trade slowdown may be over for the leading exporter.
Overseas shipments from China fell 8.8% in dollar terms from a year earlier while imports contracted 7.3%, both better than economists’ estimates and significantly less severe than July’s downturn.
Other data have suggested trade may be stabilizing after weakening for most of this year. Exports from South Korea also declined at a more moderate pace in August than the previous month.
Source: https://www.bloomberg.com/news/newsletters/2023-09-07/supply-chain-latest-world-trade-faces-a-shallow-recession?srnd=economics-v2
Additional sources and links:
Lithium - https://source.benchmarkminerals.com/article/falling-lithium-prices-challenge-potential-cost-advantages-of-sodium-batteries
Oil Production - https://www.cnn.com/2023/09/06/business/oil-price-goldman-sachs/index.html
Natural gas - https://www.fxstreet.com/news/natural-gas-holds-up-as-markets-in-limbo-over-strikes-202309070956
Lumber - https://www.fastmarkets.com/insights/sawmill-capacity-closures-reshape-us-lumber-supply
Critical metals - https://www.wasterecyclingmag.ca/feature/how-recycling-could-solve-the-shortage-of-minerals-essential-to-clean-energy/
Agriculture - https://www.morningagclips.com/economists-forecast-positive-end-of-year-crop-outlook-despite-warmer-midwestern-climate/
ESG - https://www.skadden.com/insights/publications/2023/09/the-informed-board/the-eus-new-esg-disclosure-rules
Ports - https://www.marketscreener.com/quote/stock/HAPAG-LLOYD-AG-24857717/news/Hapag-Lloyd-chief-warns-of-rougher-seas-ahead-for-container-shipping-44789017/
Top destination for reshoring - https://www.thenationalnews.com/business/economy/2023/08/29/uae-in-top-10-most-powerful-passports-for-investment-opportunity/
Global Trade - https://phys.org/news/2023-09-opinion-broke-global-climate-finish.html
What is next for the Forestry Sector and Lumber Production - September 2023.pptxpaul young cpa, cga
Lumber production in Canada continues to face many hurdles
Canada forest management practices are some of the bests in the world
Canada planted over 440M in seedlings back in 2018. It is now 2022 which means close 2M seedlings have been planted.
All levels need to put more focus on urban and rural planning solutions
More work including spending on wildfire and forest fire mitigation
Canada and USA need to find a path forward to resolve the softwood lumber dispute
There needs to a better balanced between climate change policies and growing the economy in a sustainable way
3D printing for housing needs to become mainstream
More protection needs to happen with key ecosystems like wetlands, forest, and peatlands.
There is a risk of debt default if interest rates are hike over the next few months
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
2. Paul Young - Bio
• CPA, CGA
• Academia (PF1, FA4 and MS2)
• SME – Risk Management
• SME – Close, Consolidate and Reporting
• SME – Public Policy
• SME – Financial Solutions
• SME – Supply Chain Management
Contact information:
Paul_Young_CGA@Hotmail.com
3. Introductory
Healthcare is the largest expenditure by the province of Ontario
There is misinformation by Ontario Liberals when it comes to how Ontario PC
would handle healthcare and/or how the funding has flow to front-line services
4. Government Spending/Ontario
Source – Government of Ontario, Stats Canada and Federal Government of
Canada
% of Expenses /Spending
Analysis Commentary
• Harris spent close to 40% on healthcare as compare to McGuinty and
Wynne that spend approximately 38% on healthcare
• LHINs and CCAC were created but have done little in terms of improving
wait times and/or controlling of costs
• Education received more money, but we have more grads having hard
time finding jobs. Meanwhile. Ontario has significant skills gas that could
influence FDI
• Wynne pledge to bring the debt down to 26% of GDP. If Wynne were to
bring the debt down then should need to reduced the debt by $10B per
year.
• Drummond report was virtually ignored and it was succinct in terms of
Ontario has spending problem. Ontario is spending from 18.5 to 17.5%
of GDP of government and only taking in 16.8% in revenue. More
taxation is not the answer
5. Hydro Cost - Hospitals
Source - http://www.lfpress.com/2017/03/21/hydro-london-health-sciences-centre-electricity-use-falls-but-costs-up-30-per-cent
Add Ontario hospitals to the growing list of electricity users hit with soaring prices.
NDP Leader Andrea Horwath spelled out the pain London Health Sciences Centre and other hospitals
are feeling Tuesday in the Ontario Legislature.
Citing figures obtained through access to information requests, Horwath said LHSC’s electricity bill
ballooned by roughly $2 million in the last six years even though the hospital group cut usage by 13
per cent.
“Health care is at a tipping point in Ontario,” Horwath said. “There have already been frontline
workers laid off at many hospitals, and with skyrocketing hydro bills, hospitals are being squeezed
tighter.”
6. Funding Cuts - Sudbury
https://www.sudbury.com/local-news/gelinas-demands-wynne-stop-cutting-health-care-631741
“Henri Chartrand, from my riding, spent his stay at HSN first in the ER waiting for a bed, just to be moved to a
TV room,” said Gélinas. “He told me it was a humiliating, embarrassing and demeaning experience he never
wants to have to go through again.
“Unfortunately, Mr. Chartrand is just one example of literally hundreds from across the province.”
According to Gélinas, Wynne's 2017 budget underfunded hospitals by at least $300 million, further damaging
already overcrowded hospitals where patients are coping with long waits and hallway medicine.
Gelinas said the painful shortfall is going to do even more damage to hospitals already struggling after years of
cuts and underfunding by Wynne – damage that patients like Chartrand can feel.
7. Cuts to Nursing
http://rnao.ca/news/media-releases/2017/05/08/evidence-highlights-danger-cutting-rns-ontario
8. Blog – Nurses
Nurses
http://torontosun.com/news/provincial/ontario-nurses-association-campaigning-for-change
Healthcare comments Wynne
https://www.facebook.com/votepatrickbrown/?fref=ts
https://www2.deloitte.com/ca/en/pages/tax/articles/2016-2017-ontario-budget-highlights.html
Here are the facts:
https://www.fin.gc.ca/fedprov/mtp-eng.asp#Ontario – The federal government has given Ontario $800M more in healthcare funding or about 6% increase in funding
Healthcare - http://www.slideshare.net/paulyoungcga/healthcare-and-education-for-canada-analysis-and-impact
Harris spent more government money as % of government spending on healthcare, but no comment from Wynne, why? http://www.slideshare.net/paulyoungcga/ontario-
government-spending https://www.slideshare.net/paulyoungcga/ontario-kathleen-wynne-and-dalton-mcguinty-era-november-2017
http://www.slideshare.net/paulyoungcga/provincial-transfers-and-program-spending
Government of Ontario increase spending by $1B, but that is only about 2% growth. It is easy to spin increase funding, but the reality healthcare has huge issues with delivery.
-
http://www.fin.gov.on.ca/en/budget/ontariobudgets/2016/ch3b.html#t3-23 – Healthcare received 2% additional funding, so where did the 4% growth from federal
government go in terms money allocation?
Trillium Healthcare - http://trilliumhealthpartners.ca/newsroom/publications/Documents/publications/annual-report/THP%20Annual%20Report%20Presentation%202014-
2015.pdf -
https://www.rvh.on.ca/rvhagm/SiteAssets/SitePages/rvhagm/2014%20Audited%20financial%20statement%20Royal%20Victoria%20Regional%20Health%20Centre%20final%2
0signed.pdf. Healthcare providers are under pressure to control expense growth as such 2% rise in funding does not offset the costs for hospitals
Healthcare premium – Patrick Brown and the media should be asking what has happened to healthcare premium money -
http://www.fin.gov.on.ca/en/budget/paccts/2015/15_ar.html#sec4 or http://www.fin.gov.on.ca/en/budget/paccts/2015/15_cfs.html#sec2
Federal new money $800M
Healthcare premium is now 3.2B
It is too bad the media does not call out the less than factual information from the Liberal Party as we would get the clear picture of the waste in government!
9. Funding
Healthcare comments Wynne
https://www.facebook.com/votepatrickbrown/?fref=ts
https://www2.deloitte.com/ca/en/pages/tax/articles/2016-2017-ontario-budget-highlights.html
Here are the facts:
https://www.fin.gc.ca/fedprov/mtp-eng.asp#Ontario – The federal government has given Ontario $800M
more in healthcare funding or about 6% increase in funding
Healthcare - http://www.slideshare.net/paulyoungcga/healthcare-and-education-for-canada-analysis-and-
impact
Harris spent more government money as % of government spending on healthcare, but no comment from
Wynne, why? http://www.slideshare.net/paulyoungcga/ontario-government-spending
http://www.slideshare.net/paulyoungcga/provincial-transfers-and-program-spending
10. Funding
Government of Ontario increase spending by $1B, but that is only about 2% growth. It is easy to spin increase
funding, but the reality healthcare has huge issues with delivery.
http://www.fin.gov.on.ca/en/budget/ontariobudgets/2016/ch3b.html#t3-23 – Healthcare received 2% additional
funding, so where did the 4% growth from federal government go in terms money allocation?
Trillium Healthcare - http://trilliumhealthpartners.ca/newsroom/publications/Documents/publications/annual-
report/THP%20Annual%20Report%20Presentation%202014-2015.pdf -
https://www.rvh.on.ca/rvhagm/SiteAssets/SitePages/rvhagm/2014%20Audited%20financial%20statement%20Royal
%20Victoria%20Regional%20Health%20Centre%20final%20signed.pdf. Healthcare providers are under pressure to
control expense growth as such 2% rise in funding does not offset the costs for hospitals
Healthcare premium – Patrick Brown and the media should be asking what has happened to healthcare premium
money - http://www.fin.gov.on.ca/en/budget/paccts/2015/15_ar.html#sec4 or
http://www.fin.gov.on.ca/en/budget/paccts/2015/15_cfs.html#sec2
Federal new money $800M
Healthcare premium is now 3.2B
11. LHINS and CCAC
Justin seems to think the answer is give Ontario more money, but has never once
look at the disaster of CCAC or LHINS, why? We all know the answer is JT wants
votes so he will snuggle up to Wynne!
How come nothing was said on this article during the election?
http://www.thestar.com/opinion/commentary/2014/02/26/kathleen_wynne_must_clean_
up_homecare_mess_hepburn.html
12. Open Letter to Catherine Fife / NDP
Dear Ms. Fife
Here are facts about healthcare including the government commitments.
http://globalnews.ca/news/2042725/health-ministers-urging-pharmacare-program-to-pay-for-prescription-
drugs/
It is all about money and not looking at cost to serve models, right? It seems to me that there are deep issues
with delivery of healthcare dollars, but that is never discussed. I guess when we have governments like NDP/LP
across Canada at the provincial level it is all about handouts!
During the past two elections the nursing association called out Harper for not funding healthcare to extent
was required as part of the service level. Yet, the nursing association received money for training that never
made it to training.
13. Open Letter to Catherine Fife / NDP
http://www.procurementoffice.ca/2015/02/12/post-ehealth-audit-uncovered-more-health-sector-spending-abuses/
Pharma Options
http://www.cbc.ca/news/health/pharmacare-is-not-unaffordable-drug-policy-experts-find-1.2994857
Provinces Agreement - http://healthydebate.ca/2014/10/topic/cost-of-care/pan-canadian-pharmaceutical-alliance
Source:
http://www.slideshare.net/paulyoungcga/provincial-transfers-and-program-spending
http://www.bloomberg.com/visual-data/best-and-worst//most-efficient-health-care-2014-countries
http://www.theglobeandmail.com/globe-debate/apples-to-apples-canadas-health-system-underperforms/article19351870/
http://www.ctvnews.ca/health/canada-ranked-last-among-oecd-countries-in-health-care-wait-times-1.1647061
http://www.huffingtonpost.ca/michael-bolen/canadian-health-care-ranking_b_5503898.html
http://www.thestar.com/news/ontario/2009/10/07/ehealth_squandered_1b_auditor_says.html
http://www.progressive-economics.ca/2014/12/12/the-ontario-auditors-damning-report-on-p3s/,
PBO - http://cupe.ca/canadas-health-care-system-about-lose-36-billion. Yet nothing is said on the waste with healthcare, why?
http://www.nugget.ca/2015/03/31/workers-rally-for-new-health-accord. It seems like unions are complaining at funding from the Feds, but say nothing on the
LHINs or CCAC - http://blogs.windsorstar.com/opinion/the-stars-view-time-to-audit-ccacs-and-the-lhins or revenue like Ontario Health Premium that does not
go to healthcare - http://www.fin.gov.on.ca/en/budget/paccts/2014/14_cfs.html#operations
14. Open Letter to Catherine Fife / NDP
Where are government on Retirement Living: https://www.sfu.ca/uploads/page/10/GRC_030.pdf
Donations - http://healthydebate.ca/2015/02/topic/politics-of-health-care/philanthropy/.
Program Spending - http://www.slideshare.net/paulyoungcga/provincial-transfers-and-program-spending
Doctor Comment -
http://www.therebel.media/canadian_doctor_the_harper_government_is_actually_making_the_right_choice_regarding_healthcare_funding
or http://policyoptions.irpp.org/2014/11/15/the-myth-of-federal-health-care-cuts/
Radical groups (friends of McGuinty) – Council for Canadians - http://canadians.org/healthcare
http://www.therebel.media/engage_canada_lies.
The left will tell you the provinces have not agreed to the new transfers and that is fine. The provinces will also not say anything on
delivery or making healthcare spending sustainable as part of their spending plans.
Failed Contracts - http://www.thestar.com/news/canada/2015/06/18/cgi-information-systems-awarded-269m-by-arbitrator-over-
cancelled-ehealth-contract.html
Canadian Cancer Society - http://www.cbc.ca/news/canada/cancer-society-spends-more-on-fundraising-than-research-1.1080909
Nursing Staffing https://www.cna-aiic.ca/en/news-room/news-releases/2015/latest-nursing-workforce-report-raises-flags-for-population-
health
NDP/MB - http://www.cbc.ca/news/canada/manitoba/manitoba-gets-poor-grade-in-canadian-health-report-1.2954500
LHIN - http://www.theglobeandmail.com/news/national/ontario-moving-some-seniors-home-care-to-private-agencies/article25487019/
18. Summary
Wynne will spin the PC cut healthcare when in fact they spent% of government
dollars on healthcare
Wynne and McGuinty created LHINs and CCAC which have been a failure -
http://www.thestar.com/opinion/commentary/2014/02/26/kathleen_wynne_must_
clean_up_homecare_mess_hepburn.html
Healthcare wait times have not improved.
Harris spent more % of government dollars on Healthcare than either Wynne or
McGuinty.
Many hospitals are struggling with costs as such jobs have been eliminated