White Paper: Stop Manually Entering Your Utility Bills! Top 5 Reasons Why Aut...Urjanet
Companies, organizations, and governments are facing increasing environmental and economic challenges. The pressure to improve corporate profits and sustainability has forward-thinking companies turning to energy management as a strategic source of cost reduction, profit margin growth, and cash flow improvements, not to mention regulatory compliance.
Energy is the third-largest budget item for most U.S. companies and it represents $1 trillion of the nation’s gross domestic product1. Like any major expense, energy usage must be understood before it can be reduced. However, many organizations to this day still resort to employing teams of specialists to manually enter utility bill data each month for their hundreds of facilities under management. Identifying energy cost and carbon emissions reduction opportunities involves collecting data that is not only accurate, but also timely and complete — a task that can only be accomplished through automation.
This white paper discusses the top 5 reasons why the process of manual data entry of utility bills should be abandoned and why automation is vital to the operations and outlook of your organization.
it provide you information about public policy, its elements , policy cycle and its importance it also provide you information about problem solving process..These 8 lectures provide you the complete knowledge about public policy analysis.
it provide you information about public policy, its elements , policy cycle and its importance it also provide you information about problem solving process..These 8 lectures provide you the complete knowledge about public policy analysis.
White Paper: Stop Manually Entering Your Utility Bills! Top 5 Reasons Why Aut...Urjanet
Companies, organizations, and governments are facing increasing environmental and economic challenges. The pressure to improve corporate profits and sustainability has forward-thinking companies turning to energy management as a strategic source of cost reduction, profit margin growth, and cash flow improvements, not to mention regulatory compliance.
Energy is the third-largest budget item for most U.S. companies and it represents $1 trillion of the nation’s gross domestic product1. Like any major expense, energy usage must be understood before it can be reduced. However, many organizations to this day still resort to employing teams of specialists to manually enter utility bill data each month for their hundreds of facilities under management. Identifying energy cost and carbon emissions reduction opportunities involves collecting data that is not only accurate, but also timely and complete — a task that can only be accomplished through automation.
This white paper discusses the top 5 reasons why the process of manual data entry of utility bills should be abandoned and why automation is vital to the operations and outlook of your organization.
it provide you information about public policy, its elements , policy cycle and its importance it also provide you information about problem solving process..These 8 lectures provide you the complete knowledge about public policy analysis.
it provide you information about public policy, its elements , policy cycle and its importance it also provide you information about problem solving process..These 8 lectures provide you the complete knowledge about public policy analysis.
Behavioural Economics Workshop, OECD, Paris - 31 March 2014 OECD Governance
Presentation by Alberto Alemanno, HEC Paris, NYU School of Law at the Behavioural Economics Workshop, OECD, Paris - 31 March 2014. More information at www.www.oecd.org/gov/behavioural-economics.htm
How world's companies act on corporate social responsibilityGrant Thornton LLP
Business as usual doesn’t cut it anymore for many companies around the world. They are becoming environmentally and socially responsible citizens, and demand the same from their vendors. Data from the Grant Thornton International Business Report reveals what’s driving this change and how it’s playing out across the globe.
Based on more than 2,500 interviews with business leaders, this infographic shows how the U.S. and 33 other countries stack up in their race for claiming responsible corporate citizenship.
See more at: http://gt-us.co/ZLFN4u
Prescription For Success Paper (PI Knowledge Leadership Publication)Jon Hansen
Health care in Crisis: “Insolvency Is Seen Closer for Social Security and Medicare” New York Times (May 12, 2009)
In the “Prescription for Success” white paper I closely examine these as well as other case references, and in the process “provide the operational framework for a successful implementation of an automated health care procurement system.” Referencing the proven guidelines established by Bellwether Software Corporation’s highly successful track record of delivering results over the past 23 years, this paper will hopefully become an indispensable resource for health care organizations looking to “control their costs.”
La XIV Encuesta Mundial del Sector Eléctrico y de Energía, elaborada por PwC, recoge las opiniones de directivos de 70 compañías de 52 países de todo el mundo (entre los que se incluye España) sobre los cambios que, en las próximas décadas, transformarán la industria y darán lugar a la aparición de nuevos modelos de negocio.
Startup Outlook 2012 is Silicon Valley Bank's annual survey of perceptions by startup CEOs in software, hardware, life science and cleantech sectors nationwide. This is the third annual report identifying trends in startup performance, and requirements for growth.
The survey revealed that the tech sector in the U.S. is healthy, hiring, has great business qualities and that startups are optimistic. At the same time, entrepreneurs and startup managers questioned whether the network of policies that support the U.S. innovation economy is optimized for growth.
The Silicon Valley Bank Startup Outlook report is based on an annual survey of private startup companies across the U.S. in the software, life science, hardware and cleantech sectors. This year, we surveyed startups in the UK for the first time too, and those findings can be found at svb.com/uk/startup-outlook-report. The reports found on this page break down the survey results and feature the issues that are of most importance to startup companies, such as hiring high skilled workers and dealing with the medical device tax. As more reports are completed you will find the updates here, so please mark this page and visit us again in the near future.
Corporate Sustainability
Resources
Discussion Participation Scoring Guide
.
How Discussion Participation Is Graded
.
G.R.E.A.T. Discussion and Feedback
.
Read "Does Being Green Result in Improved Financial Performance?" and "Focus on Corporate Sustainability" from this unit's studies. These two articles present contrasting views on the value added when an organization invests in corporate sustainability. It is only within the last two decades that environmental sustainability has become a topic on the corporate agenda. Today, some consumers choose their providers based on a company's carbon footprint.
For your initial post in this discussion, decide which view you wish to adopt on corporate concerns about environmental sustainability, whether "being green" is profitable, and the extent to which it impacts corporate sustainability. Post your view in the discussion using one additional source and include a paraphrase or direct quotation, with an in-text citation from the source.
To ensure your participation meets the expectations, refer to the G.R.E.A.T. Discussion and Feedback guidelines provided in the Resources. A well-developed post, one that would be considered "distinguished," will usually be between 250 and 300 words. Also, please post your initial discussion (main post) by Thursday to allow time for your peers to respond.
Response Guidelines
After posting your initial response, read your peers' posts, and respond to two. Are you in agreement about profitability and corporate sustainability? What point of view seems most reasonable? In addition, use examples to clarify your points and strengthen the discussion.
A well-developed response is generally stated in 50–100 words. Besides responding directly to your peers' comments, the responses should expand the dialogue by asking questions or adding new information.
------------------------------------------------------------------------------------
DOES BEING GREEN RESULT IN IMPROVED FINANCIAL PERFORMANCE?
false
Wilcox, William E
;
Wilcox, Marlene V
Author Information
;
Jares, Timothy
.
Journal of Business and Behavior Sciences
26.1
(Spring 2014): 155-167.
Full text
Full text - PDF
Abstract/Details
References
25
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Many organizations are attempting to become more environmentally conscientious (Green) in response to customer demands, improved efficiencies, and the threat of government regulation. While the benefits have been highlighted anecdotally, this study attempts to assess whether companies that are more Green do reap the economic benefits as reflected in their financial performance. Using the Green rankings from Newsweek, our stud.
Behavioural Economics Workshop, OECD, Paris - 31 March 2014 OECD Governance
Presentation by Alberto Alemanno, HEC Paris, NYU School of Law at the Behavioural Economics Workshop, OECD, Paris - 31 March 2014. More information at www.www.oecd.org/gov/behavioural-economics.htm
How world's companies act on corporate social responsibilityGrant Thornton LLP
Business as usual doesn’t cut it anymore for many companies around the world. They are becoming environmentally and socially responsible citizens, and demand the same from their vendors. Data from the Grant Thornton International Business Report reveals what’s driving this change and how it’s playing out across the globe.
Based on more than 2,500 interviews with business leaders, this infographic shows how the U.S. and 33 other countries stack up in their race for claiming responsible corporate citizenship.
See more at: http://gt-us.co/ZLFN4u
Prescription For Success Paper (PI Knowledge Leadership Publication)Jon Hansen
Health care in Crisis: “Insolvency Is Seen Closer for Social Security and Medicare” New York Times (May 12, 2009)
In the “Prescription for Success” white paper I closely examine these as well as other case references, and in the process “provide the operational framework for a successful implementation of an automated health care procurement system.” Referencing the proven guidelines established by Bellwether Software Corporation’s highly successful track record of delivering results over the past 23 years, this paper will hopefully become an indispensable resource for health care organizations looking to “control their costs.”
La XIV Encuesta Mundial del Sector Eléctrico y de Energía, elaborada por PwC, recoge las opiniones de directivos de 70 compañías de 52 países de todo el mundo (entre los que se incluye España) sobre los cambios que, en las próximas décadas, transformarán la industria y darán lugar a la aparición de nuevos modelos de negocio.
Startup Outlook 2012 is Silicon Valley Bank's annual survey of perceptions by startup CEOs in software, hardware, life science and cleantech sectors nationwide. This is the third annual report identifying trends in startup performance, and requirements for growth.
The survey revealed that the tech sector in the U.S. is healthy, hiring, has great business qualities and that startups are optimistic. At the same time, entrepreneurs and startup managers questioned whether the network of policies that support the U.S. innovation economy is optimized for growth.
The Silicon Valley Bank Startup Outlook report is based on an annual survey of private startup companies across the U.S. in the software, life science, hardware and cleantech sectors. This year, we surveyed startups in the UK for the first time too, and those findings can be found at svb.com/uk/startup-outlook-report. The reports found on this page break down the survey results and feature the issues that are of most importance to startup companies, such as hiring high skilled workers and dealing with the medical device tax. As more reports are completed you will find the updates here, so please mark this page and visit us again in the near future.
Corporate Sustainability
Resources
Discussion Participation Scoring Guide
.
How Discussion Participation Is Graded
.
G.R.E.A.T. Discussion and Feedback
.
Read "Does Being Green Result in Improved Financial Performance?" and "Focus on Corporate Sustainability" from this unit's studies. These two articles present contrasting views on the value added when an organization invests in corporate sustainability. It is only within the last two decades that environmental sustainability has become a topic on the corporate agenda. Today, some consumers choose their providers based on a company's carbon footprint.
For your initial post in this discussion, decide which view you wish to adopt on corporate concerns about environmental sustainability, whether "being green" is profitable, and the extent to which it impacts corporate sustainability. Post your view in the discussion using one additional source and include a paraphrase or direct quotation, with an in-text citation from the source.
To ensure your participation meets the expectations, refer to the G.R.E.A.T. Discussion and Feedback guidelines provided in the Resources. A well-developed post, one that would be considered "distinguished," will usually be between 250 and 300 words. Also, please post your initial discussion (main post) by Thursday to allow time for your peers to respond.
Response Guidelines
After posting your initial response, read your peers' posts, and respond to two. Are you in agreement about profitability and corporate sustainability? What point of view seems most reasonable? In addition, use examples to clarify your points and strengthen the discussion.
A well-developed response is generally stated in 50–100 words. Besides responding directly to your peers' comments, the responses should expand the dialogue by asking questions or adding new information.
------------------------------------------------------------------------------------
DOES BEING GREEN RESULT IN IMPROVED FINANCIAL PERFORMANCE?
false
Wilcox, William E
;
Wilcox, Marlene V
Author Information
;
Jares, Timothy
.
Journal of Business and Behavior Sciences
26.1
(Spring 2014): 155-167.
Full text
Full text - PDF
Abstract/Details
References
25
Turn on hit highlighting for speaking browsers by selecting the Enter button
Abstract
Translate
Abstract
Undo Translation
Translate
Undo Translation
Press the Escape key to close
Translate
Translation in progress...
[[missing key: loadingAnimation]]
The full text may take 40-60 seconds to translate; larger documents may take longer.
OverlayEnd
Many organizations are attempting to become more environmentally conscientious (Green) in response to customer demands, improved efficiencies, and the threat of government regulation. While the benefits have been highlighted anecdotally, this study attempts to assess whether companies that are more Green do reap the economic benefits as reflected in their financial performance. Using the Green rankings from Newsweek, our stud.
Assessing Impacts – Methodology in Practice, Cara MaguireOECD Governance
Presentation by Cara Maguire, Regulatory Improvement Committee, United Kingdom, at the Workshop on the Elaboration and Evaluation of RIA at sub-national Level, Cuernavaca Morelos, Mexico, 11-12 November 2014, Session 5. Further information is available at http://www.oecd.org/gov/regulatory-policy/
The increasing awareness of stakeholders is leading firms to adopt strategies related to the reduction of their environmental impact, not necessarily linked to existing regulatory provisions (e.g. Corporate Social Responsibility strategies). We focus on the potential role of banks, when dealing with the credit merit of potential investors, and move a first step in the direction of understanding the consequences and trade-offs involved in the adoption of “green credit merit” (GCM) measurement tools. After providing a theoretical background for our investigation, we develop a descriptive analysis using firm level Spanish data. We show that in certain cases projects featuring a low environmental impact would gain access to credit according to green credit merit procedures but not according to standard credit merit indicators. Also, and remarkably, indicators focused on specific environmental problems (e.g. related to energy consumption) might prove much more effective and informative than wider ones.
The Cap & Trade program is Ontario's critical step towards meeting environmental goals while retaining competitiveness for its industries.
Here is an overview of the program - deep enough to grasp all aspects but simple and brief enough to maintain focus.
APPLICATION OF ECONOMETRICS
it helps u to understand why we study econometrics when im coming to know these application of econometrics my concepts are clear
Presentation by Russell Pittman, Antitrust Division, U.S. Department of Justice, at a RIA workshop for the transport infrastructure regulator of Peru (OSITRAN) which took place in Lima 20-22 February 2017. Further information is available at www.oecd.org/gov/regulatory-policy/
IMF Book Chapter 1: Getting Energy Prices Right: From Principle to PracticeMarcellus Drilling News
A book released by the International Monetary Fund in July 2014 that attempts to make the case that countries should selectively charge higher taxes for fossil fuel-based forms of energy. Its premise is assinine because it starts withe assumption that mankind's energy is somehow causing the earth to warm up, which of course is not happening.
New esg disclosure burden for midsize small cap companiesdean771100
New ESG Disclosure Burden for Midsize Small-Cap Companies
Capital markets have grown increasingly complex and globalized over the years, leading to increased complexity of risk management. This has led to a growing need for enhanced disclosure by companies in order to provide investors with information that enables them to understand risks related, among other things, to environmental, social and governance factors (ESG). These new ESG disclosure obligations will carry additional burden for midsize and small-cap businesses that may lack the required resources to adequately address all of these concerns. The new ESG disclosure obligations are primarily designed to help investors better understand risks related to environmental, social and governance factors. Midsize and small-cap firms usually have a more limited budget for disclosures as compared with larger companies which can devote more resources towards this area. The new regulations could impose substantial burdens on smaller firms.
Similar to Quantification of environmental friendliness (20)
Investment products vary in risk, return and duration. So do investor objectives. Successfully matching financial instruments with financial plans takes skill, know how and ability.
Moneycation april 2015 newsletter; volume #3, issue #9A.W. Berry
Investing is a life-long process. People invest in themselves, in their careers and in other things. Financially speaking, investing in financial instruments helps prepare people for the future whether it be for retirement, a home or additional investments. Knowing what to invest in at different stages of life is a part of that process.
Moneycation may 2015 newsletter; volume #3, issue #11A.W. Berry
Knowing about trading platforms and how they work is a key aspect of self-guided investing. The mechanics of trading financial instruments requires accuracy and precision. If transactions are not carried out flawlessly and in a timely manner via the best networks available, traders and investors face significant disadvantages.
Moneycation april 2015 newsletter; volume #3, issue #10A.W. Berry
Technical investment analysis involves understanding price movements and knowing how to interpret their meaning. Numerous technical trading tools exist to assist with improving the probability of trading success.
Moneycation march 2015 newsletter; volume #3, issue #7A.W. Berry
Investment analysis is an art and a science. It is an art in the sense that agility and dynamic fluid thinking are useful when making decisions using empirically derived data. Fundamental analysis is one such method that is not pure science, but uses mathematical techniques to ascertain key financial information such as solvency, risk, liquidity, profit margin, expected rate of return and so on.
The cost of education has increased at a faster rate than average consumer costs over the last decade. These rising expenses and a changing economic environment make planning for education all the more important. The discussion in this newsletter covers important topics surrounding managing education costs.
Stocks are considered among many investors as fundamental for return-on-investment. This is especially the case over the long run, where average returns surpass those of bonds. Investing in the stock market is not as easy as it may seem and often involves an elaborate understanding of business, market and economic influences in order to be financially successful.
The more complex an estate is in terms of asset diversification, management expectations and distribution objectives, the more pertinent a carefully crafted living trust becomes in terms of its overall financial benefit and functionality. living trusts are useful for high net worth individuals or estates that are seeking to supplement their wills with more specific asset management criteria.
Bonds are a fixed income asset that provide investors with a range of risks and yields. Numerous types of bonds and bond financial instruments exist for investors to choose from. They are often considered a safe-haven asset during times of economic contraction because they and in some cases, provide tax protection.
Cash and treasury solutions provide money related alternatives to businesses seeking greater access to capital, lower cost of debt and efficient internal financial operations; they are a part of the formula that determines how well run a business is. As businesses develop, simplified internal policies do not necessarily benefit investors as much as elaborate, sophisticated and fluid financial decision making allows for. Additionally, corporate finance tends to get more complicated as companies become larger. This is because expanded operations require greater financial management.
Consumer protections exist to prevent fraud, usury, extortion and other financial crimes. Since individuals are not always aware of commercial and legal details surrounding transactions and business communications, undesirable and underhanded access to the wallets and bank accounts of unsuspecting people becomes possible.
Transportation is often a necessity, but does not have to be the third largest piece of American' budgets. Improving personal financial planning and business financial management ideally takes as many transportation factors and scenarios in to account, and then adjusts them accordingly. This involves a close look at driving habits, equipment, travel routes and modes of transport.
Numerous financial instruments and products are used in financial planning. Life insurance is an example of both because it assists individuals accomplish financial goals via a financial mechanism that is legally structured differently from other financial planning products such as 401(k)s and individual retirement accounts.
S corporations are legally structured in a way that allow them to go untaxed. This is because income that is recognized by owners is taxed at the personal level and not via the business. Moreover, an S corporation is a pass-through or flow-through entity, which means income passes through to the shareholders. This newsletter details tax management information and methods used by and relevant to S corporations.
Financial advantages of business structuresA.W. Berry
Business structuring, whether it be a specific type of incorporation, adherence to a financial model or both, has significant effects on business' present and future financial standing, credibility and capacity. This makes structural decisions an important factor in the steering of businesses toward their intended functions and purpose.
Behavioral finance, heuristics and marketing A.W. Berry
Economic and financial heuristics explain how people's money related decision making is influenced by psychology and sociological trends. This is relevant in the marketing profession and to corporate strategists because purchase decisions, stock market investing and other financial decision making is linked to consumer behavior.
Stock options allow more ways to earn money as well as more ways to lose money. They are elaborate financial instruments that often leave beginner and novice investors scratching their heads when something goes wrong.
Planning for healthcare needs via Medicare is also not a quick task. Understanding the length of time involved when considering which insurance is right reduces unrealistic expectations and disappointment. It also helps to understand what Medicare is and who it benefits before getting in to the finer details.
Problems with Generally Accepted Accounting PrinciplesA.W. Berry
Industry diversity and vast differences between corporate financial strategies make standardizing accounting difficult. The complexity and fluidity of financial markets, asset securitization and accounting cast a certain shadow over the effectiveness of generally accepted accounting principles. GAAP are faced with numerous regulatory obstacles such as the intended goal of merging with international financial reporting standards, complications in asset valuation and exploitation of accounting practices that allow corporations considerable leeway and latitude.
The importance of investment methodologyA.W. Berry
Informed and wise investing decisions do not typically seek to dazzle or outperform, but rather pursue and attain a calculated financial objective. This newsletter seeks to apply the tenets of investment wisdom in to a review and evaluation of investment process and methodology.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
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
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
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
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @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.
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.
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
when will pi network coin be available on crypto exchange.
Quantification of environmental friendliness
1. Moneycation
Published by Moneycation™
Newsletter: July 1, 2014
Volume 2, Issue 4
Quantification of environmental friendliness
Securitization of environmentally friendly emissions
reductions and regulatory requirements set by the U.S. federal
government have made the quantification of corporate social responsibility practical for businesses
and the broader economy. Since overly aggressive or inflexible policies aimed at reducing
greenhouse emissions have a cost in terms of the job market, corporate profitability and industrial
production, being able to measure how progressive steps toward a greener earth influence these
things is necessary.
Due to many micro and macro-economic variables, the ever-changing nature of commerce and
environmental events, accurately predicting financial impact is complex and controversial.
Nevertheless, metrics and financial models established by governmental agencies and not-for-
profit organizations do reveal numerical estimates of environmentally protective decisions. This
newsletter details some of those methods and the issues surrounding them.
Financial cost of green friendly business
Measuring the cost of green-friendly business is sometimes influenced by the angle or perspective
one looks at the circumstance with. To illustrate, the U.S. Environmental Protection Agency states
the Clean Air Act is a good investment for Americans because “total air pollution abatement
spending” only costs industry less than 1% of total revenue to implement. Moreover,
environmental technology and services is an industry in and of itself that creates jobs and revenue
according to the EPA:
“In 2008, the United States’ environmental technologies and services industry supported 1.7
million jobs. The industry generated approximately $300 billion in revenues and exported
goods and services worth $44 billion- larger than exports of sectors such as plastics and
rubber products. Environmental technology exports help the U.S. balance of trade,
generating a $10.9 billion surplus in 2008.”
In contrast to the EPA's view of the benefits eco-friendly policy is a business perspective on the
matter. Furthermore, the Washington Post reports environmental regulation's economic advantages
are offset by the costs to industries that carry out the policy. More specifically, the expense of green
friendly regulation amounted to approximately $216 billion for a single year per the following
excerpt:
2. “For the anti-red-tape crowd, there’s this: The federal government imposed an estimated
$216 billion in regulatory costs on the economy last year, nearly double its previous record,
the conservative American Action Forum think tank calculates in a new report. That figure
represents a mixture of lifetime costs – how much one regulation will affect the economy over
time – and annualized costs, because agencies estimate regulatory costs differently.”
So what is the net benefit? This is an important question to ask because a positive net benefit i.e.
total economic worth after costs are factored in, is beneficial to industries and the economy overall.
If the EPA's 2008 figure of $300 billion in environmentally related revenue is accurate, then the net
benefit is roughly $84 billion since the total cost of $216 billion estimated by the Washington Post
is lower. In this sense, even though some businesses may experience lower net incomes resulting
from environmental policy, the advantage to Americans' health and the economy are worthwhile.
The benefits of environmental policy are further illustrated in the following chart that is based on
the Environmental Protection Agency's 2013 regulatory benefits versus costs data.
Source: White House
If the Office of Management and Budget is correct in their data gathering and analysis, then the
costs of environmental regulation becomes an ever decreasing proportion of rising financial
benefit. In other words, the maximum financial benefit for environmental policy is $637.5 billion
at a maximum cost of $37 billion or 5.8% of total benefit. However, the minimum cost is 26.8% of
the minimum benefit. Thus, the cost to benefit ranges from 5.8%-26.8%, which is a net gain no
matter how its looked at.
Unfortunately, the matter is not so simple and politics is involved. Since the OMB is closely tied to
the White House, there has been doubt about the accuracy of the OMB's EPA cost-benefit analysis
reports, and not just by one or two businesses, but the Small Business Administration itself.
According to Inside Washington Publishers, the SBA and independent think tanks believe the
OMB is overly optimistic in their assessment.
“An SBA official argued at the event that OMB should outsource the work to private think
tanks, such as the Mercatus Institute, to ensure that the information is accurate. And the
3. agencies should be forced to pay for these reviews out of their budget, the source added.
Without such steps agencies are not accountable and have no incentive to provide an
accurate assessment of the costs and benefits of their rules, the source says.”
Since the above complaints were issued, the OMB has remained the publisher of EPA cost-benefit
analysis. So, if they don't outsource their analysis, what other objective organizational or
institutional analysis regarding the value of environmental regulation is there?
Defining objectivity gets complicated, but The Brookings Institution published a report called “A
Better Approach to Environmental Regulation: Getting the Costs and Benefits Right”, which also
evaluates the advantages and disadvantages of environmental regulations. Not surprisingly, its key
points corroborate the SBA's logical objections to the OMB's approach.
One of the counter points provided by The Brookings Institution publication is that judicial review
of ambiguous language within regulations does not always allow for cost-benefit analysis to be a
determining factor of whether or not a particular regulation should or should not be carried out.
Once a court gets its hands on or reviews any regulation, the costs become somewhat irrelevant.
That is not the only problem detailed by the report; the means by which environmental mandates
are carried out are also flawed in the sense that they do not allow more cost effective or non-
technological solutions to environmental issues. Some of the publication's objections to the OMB
evaluation are summarized in the list below.
• Lack of controlled research such as via clinical trials
• Flawed approach i.e. predictive evaluation of outcomes
• Limitation of cost-benefit applicability via judiciary review
• Inadequate use of present-value calculations
• Problems with verifying causality
• Insufficient statistical significance of results
The SBA and The Brookings Institution are supported by another think tank, specifically The Cato
Institute. In a journal article titled “Do Environmental Regulations Increase Economic Efficiency?”
the inadequacy of governmental metrics is addressed. To avoid putting words in their mouth, the
authors of this published material state the following:
“But too often in the policy arena “logic is for losers.” Logic—theory, that is—is not
enough. We believe that economists need to be more thorough and more carefully empirical
on this question. They should be more persistent in combating the idea that stricter
environmental regulation will normally pay for itself by shocking firms into innovating with
better technologies, thus benefiting everyone.”
It should now be clear that there is a divide between governmental research on the financial and
economic advantages of environmental policy and the reality within industry, and the accuracy
of scientific evaluation and the validity of quantitative assessments. Competing research is the
next logical place to find alternative, yet hopefully objective and accurate data pertaining to the
financial impacts of environmental regulation.
4. General equilibrium analysis
Implementing models supplied by general equilibrium economics helps measure and guide the
economic outcome of environmental policy and large scale commercial decisions. This type of
analytical approach seeks to optimize multiple markets by achieving wide scale price equilibrium.
In other words, by attaining the optimal price and output for many industries' products and services
and when either a decline or rise in supply yields a lower profit, then general equilibrium and
therefore efficient market pricing is achieved. According to Lawrence H. Goulder of the National
Bureau of Economic Research, the advantages of general equilibrium economics are as follows:
“General equilibrium analysis yields dramatically different results from what one would
obtain from partial equilibrium, or sector-specific, analysis. In realistic, "second-best"
economies with pre-existing discretionary taxes, such as income and sales taxes, the
differences are striking. In some cases, policies that appear to improve efficiency in a partial
equilibrium analysis emerge as reducing efficiency when researchers account for second-
best, general equilibrium interactions.”
Although this bird's-eye view approach is ideal, it is also easier said than done because of the
existing structure of the economy. For example, according to the NBER, a tax system must already
be inefficient to benefit from efficiency gains brought about by environmentally friendly taxes.
This means that environmental policies must evaluate the financial impact of each rule on
production, operating costs, revenue, competitiveness and labor supply among other factors. Some
key elements pertaining to general equilibrium are the following per the NBER.
• Double dividend
• Tax interaction effect
• Revenue-recycling
• Cost distribution
• Marginal excess burden
These terms refer to the economic advantages and costs associated with specific environmentally
friendly policies such as a carbon tax. In the U.S., the trend has been away from a direct tax and
toward state implemented programs that take regional economics in to account. This is partially
due to the notion that income taxes are a more optimal form of governmental revenue generation,
and therefore, the replacement of income tax or addition of environmental taxes would be more
likely to have a lower overall benefit or double-dividend effect than other approaches.
The social cost of carbon
A key measurement with which factors such as double dividend, revenue-recycling and the cost
of environmental policy are evaluated and quantified is “the social cost of carbon”. This cost is an
estimate of the impact of increasing carbon emissions. The U.S. Government's definition of this
social expense is defined as follows:
“The SCC is an estimate of the monetized damages associated with an incremental increase
in carbon emissions in a given year. It is intended to include (but is not limited to) changes in
net agricultural productivity, human health, property damages from increased flood risk, and
5. the value of ecosystem services due to climate change.”
The government model used to evaluate this cost is determined using environmental effects on
space heating requirements, agricultural production, methane emissions and economic impacts of a
rise in sea level. The table below illustrates the estimates of the social cost of carbon using
“discount rates”. The discount rate is the amount by which costs compound in the future; the
higher this value is, the less initial carbon cost is incurred. Ideally, the carbon cost discount rate
will be lower because the total costs over time will be reduced despite a higher upfront expense.
Source: White House; US-PDGov
The actual social cost of carbon emissions depends on the model used to analyze emissions data.
Since there are many variables and assumptions involved with this type of measurement, the actual
social cost varies and this latter point has not gone unnoticed. For example, the Cost of Carbon
Project, a joint study produced by the Environmental Defense Fund, Institute for Policy Integrity
and the Natural Resources Defense Council claims the government number is too low because low
probability, but high impact events are not factored into the calculations along with events such as
forest fires and other unaccounted for environmental influences.
Manufacturing costs
The vast majority of manufacturers are projected to only accumulate costs of 0-1% of the value of
total shipments per the World Resources Institute. Although the data in the graphic below is
sourced from the U.S. Government and may be subject to some of the empirical biases previously
discussed, it does serve to demonstrate the relatively minimal impact environmental policy has
overall. In other words, time and time again, the long-term benefits require industry to bear the
brunt of policy action that spurs efficiency and industrial competitiveness in the same way that
pollution controls from the 20th
century have been implemented with positive effect.
6. Source: World Resources Institute/U.S. Climate Action, Kevin Kennedy, Creative Commons
Regulatory emissions requirements
In June, 2014, the Obama administration issued an ambitious carbon reduction program that aims
to lower U.S. Carbon emissions from power plants by 30% by 2030. A SCOTUS ruling shortly
after reduced EPA regulatory capacity from 86% of greenhouse gases to 83% per the Associated
Press. Furthermore, the EPA claims the total program cost could reach $8.8 billion depending on
how states implement the new set of rules. Since the U.S. is one of the world's largest carbon
emitters, this program should substantially affect global carbon output. It is also projected to save
money in pollution related healthcare complications. The graphs below demonstrates how U.S.
environmental policy has already begun to take effect on carbon dioxide emissions.
Impact of Federal Policy under the Clean Air Act
Source: U.S. Energy Information Administration; US-PDGov
7. Net Benefit of Environmental Policy on Total Carbon Emissions
Source: U.S. Energy Information Administration
Cap-and-trade
A widely implemented approach to environmental economics is cap-and-trade where carbon
emission limits are set by the state and extra emissions require the purchase of carbon credits. The
incentive with this system is that those entities that produce less carbon receive credits that can be
resold to companies that are not able or willing to meet the carbon quota. California is one state
that has implemented a cap-and-trade program. According to Forbes, the state has raised hundreds
of millions of dollars via cap-and-trade and regions such as the Northeast, which also implement
cap-and-trade, lowered their emissions by 40% between 2005-2012. Since this type of method
pressures industry to become more efficient, the net result becomes lower operating costs, higher
potential profit margin, additional state revenue and reduced air pollutants.
Carbon tax
One way states may choose to implement the federal carbon limitations is via a carbon tax. The
chart below demonstrates how a carbon tax would effect the energy producing market share and
therefore specific industries that produce the highest level of carbon such as coal. Furthermore, the
higher the potential carbon tax is, the greater the cost is to high carbon emitting energy sources.
This approach protects the environment, and a carbon tax of $26 per metric ton of carbon has the
potential to raise hundreds of billions of dollars in government revenue per a Center For Climate
and Energy Solutions report.
As illustrated in the graphic below, a direct carbon tax would substantially impact the biggest
offenders such as coal based energy producers in addition to effecting the job market of that sector.
However, flexible energy policy such as the Obama administration's plan to cut carbon emissions
under the Clean Air Act would not drastically undermine the coal industry according to Mario
Parker of Bloomberg-Businessweek. Moreover, coal is projected to still contribute to 31% of total
8. U.S. power production by 2030. This is because utility companies will still need enough power to
distribute and increases in efficiency will allow them to continue using coal as an energy source.
Effect of carbon tax on energy sourcing
Source: U.S. Energy Information Administration; US-PDGov
Eco-friendly markets
Regulatory compliance is not the only means by which corporations receive credit for lowering
their carbon emissions. According to the Carbon Trade Exchange, a voluntary method also exists.
“In the voluntary market, carbon credits are generated by projects that are accredited to
independent international standards such as the Verified Carbon Standard (VCS). These
credits are known as Verified Emission Reductions (VERs).”
The advantages of voluntary carbon credit programs are the opportunity to benefit financially via
Earth friendly corporate social responsibility. A positive result of the carbon credit market is carbon
offsetting, a way for companies to meet regulatory requirements or boost environmental image.
Although this is a niche market that is considerably smaller than other financial markets, the
potential benefits to companies, people and the environment are worthwhile.
In 2012, the Forest Trends Association reports that $523 million was voluntarily spent on 101
million metric tons of greenhouse gases. Of the total volume of reductions, 28.7 million tons in
marketable emissions reductions were realized by the United States. This demonstrates the
potential to securitize environmentally friendly commerce.
9. Industrial impacts of green friendly business models
Businesses that voluntarily implement environmental controls while still maintaining profit
margins set an example for other businesses in their industry. Furthermore, operational oversight
methodologies such as Lean Sigma Six and environmental accounting methods via free tools such
as the Northeast Waste Management Officials Association's Energy and Materials Flows and Cost
Tracker assist in accomplishing the objective of eco-profit. According to NEWMO, the free cost
tracker is beneficial in the following way:
“EMFACT™ is a software tool designed to be used within companies for systematically
tracking materials and energy use; releases, discharges, and wastes; and associated costs in
ways that can create value for their business. The tool can provide a comprehensive picture
of resource use and its relation to production and planning that can help improve both
business and environmental performance.”
More sustainable and eco-friendly models have already begun taking shape in the auto
manufacturing and utility sectors in addition to others that have been subject to stricter
environmental standards. One such example is the International Data Corporation's Environmental
Excellence Maturity Model. Use of this and other methods has resulted in more efficient operations
and has allowed profitability to occur alongside cost reducing technology and pollution lowering
manufacturing techniques.
Automotive
The automotive industry has embraced more sustainable vehicle assembly and recycling
techniques in part because of emissions regulations, but also because of rising fuel costs that affect
demand for automobiles. By improving fuel efficiency, the auto manufacturers benefit themselves
by increasing demand for their products.
The chart below shows how auto manufacturers have changed their ways over the last four decades
and improved fuel economy by over 80%. Furthermore, the impact of lower vehicle carbon
emissions is substantial because automobiles account for 51% of household carbon emissions per
the U.S. Department of Energy.
Source: NIEHS
10. Manufacturing costs are sometimes passed on to consumers. Depending on the vehicle model, the
financial benefits in terms of fuel savings vary substantially. The difference in fuel efficiency
among automobiles is illustrated by the New York Times. Moreover, according to the newspaper's
research, the 2012 Volkswagen Jetta TDI only cost $226 more than its less efficient counterpart; its
extra cost is offset by 1.1 years worth of fuel efficient driving. However, the Ford Fiesta is at the
other end of the spectrum because its SFE model costs $613 more than its less fuel efficient model;
It also takes 26.8 years to pay off the difference in gas savings.
Since the average use of a vehicle is closer to 11 years, the price of being green friendly may never
benefit the buyers of some eco-vehicles. By passing production expenses on to consumers,
automobile manufacturers avoid the cost of regulations that require higher fuel efficiency.
Additionally, manufacturing fuel efficient automobiles does not seem to heavily impact sales since
a peak around 16 million vehicles will be sold in 2014 according to the Associated Press.
Utilities
There is no doubt that utility companies are impacted by environmental policy. Whether it pertains
to water supply and distribution or electricity, numerous rules and policies that have already been
implemented demonstrate the impact on business operations. For example, according to the North
American Reliability Corporation, utility businesses such as power suppliers incur an upfront cost
when installing replacement equipment that meets regulatory requirements.
When existing equipment goes offline for the transition to cleaner and/or more efficient
technology, utilities run the risk of losing profit margin due to the need to provide an alternative
and possibly more expensive power supply to their clients. Regulatory compacts or reimbursement
agreements that are carried out help utilities pay for such extra costs according to The Regulatory
Assistance Project. A few factors or obstacles that NARC claims utility companies must take in to
account and that make the implementation of environmental policy more complex are listed below.
• Reliability standards
• Capacity reduction
• Planning reserve margin
• Compliance requirements
• Bulk system power reliability
One specific sector that does not seem to gain from environmental policy is the coal industry. The
economic costs associated with coal reduction rules are those that directly impact coal mining
operations, coal distributors and coal based energy companies. Even though improvements in
efficiency will allow utility providers to continue using coal, the growth in the use of coal as an
energy source will likely decline. Fox Business has reported that this has already impacted firms
such as Peabody Energy (BTU) that's year-over-year share value has declined 17%. Even so, there
are more winners than losers under environmental rules. A few such benefactors of the new rules
include a host of alternative energy equipment manufacturers and utility providers.
As technology, energy harvesting techniques and economies of scale improve in the renewable
energy industry, the cost of acquiring power from this sector declines. The graph below illustrates
how wind power has been forecast to follow a continuing downward trend in terms of cost, which
11. in turn increases the benefits of energy policy that promotes it. Utility providers that are able to
capitalize on this trend should not necessarily be brought down by their transition away from coal.
Multiple Forecasting Model Results for Wind Power Costs
Sources: National Renewable Energy Laboratory and Lawrence Berkeley National Laboratory, US-PD
The second graph on this page indicates how much eco-friendly energy is projected to grow as an
industry. Moreover, investment in various kinds of renewable energy is forecasted to reach $254.5
billion dollars by 2017. Numerous reports and research studies highlight the expansion of green
energy market share as a percent of total energy supply and demonstrate the dual benefit of
renewable energy in terms of industry growth and environmental safety.
Data sourced from Clean Edge; US-PD
12. Conclusion
As long as economic, demographic and cultural demands increasingly place a premium on material
standard of living, natural resources and the environment will be effected. Quantifying anything as
large as global industrial profitability and effectiveness of macro-economic environmental
regulation requires an accurate perception of many systemic moving parts. However, a progressive
step-by-step approach has proven profitable and useful for governments, businesses and the
environment. This is evident in numerous ways. Economies of scale have consistently reduced the
cost of renewable energy and this trend is forecasted to continue. Implementation of carbon credit
programs and their corresponding marketplace have proven successful from a commercial and
environmental standpoint. Industries that have embraced environmentally responsible policies
either voluntarily or by legal requirement have demonstrated the adaptability of commercial
enterprise, and financial and economic models continue to be developed to measure the benefits,
costs and net value of green friendly policies.
The awareness of, and need for quantitative measurements such as the social cost of carbon and the
usefulness of earth friendly accounting systems such as EMFACT have been a key aspect of policy
planning and business financial management. Demand for these models, metrics and systems are
likely to continue alongside the socio-economic recognition of the importance of environmental
sustainability and calls to action for its wider implementation in society. How well numerical,
statistical and empirical study of various green-friendly financial models pan out will depend in
part on the quality of the research, and also on the willingness to take valid quantitative data
seriously and pro-actively.
Sources:
1. "U.S. Environmental Protection Agency”; Laws & Regulations
2. "Small Business Administration”; Environmental Regulations
4. “Forest Trends Association and Bloomberg New Energy Finance”; Maneuvering the Mosaic: State of the Voluntary
Carbon Markets 2013; Molly Peters-Stanley and Daphne Yin; June 20, 2013
5. “CarbonTradeXchange”; What is Carbon Credit?
6. “New York Times”; Government Awaits Obama's Move on Carbon to Gauge U.S. Climate Efforts; Coral
Davenport; May 26, 2014
7. “U.S. Energy Information Administration”; Extending current energy policies would reduce U.S. energy use.
Carbon dioxide emissions
8, “U.S. Department of Energy”; 2013 Global Carbon Project
9. “U.S. Environmental Protection Agency”; Light-Duty Automotive Technology, Carbon Dioxide Emissions, and Fuel
Economy Trends: 1975-2012
10. “National Institutes of Environmental Health Sciences”; EHP-Air Pollution from Industrial Swine Operations and
Blood Pressure of Neighboring Residents; Steve Wing, Rachel Avery Horton and Kathryn M. Rose; January 1, 2013
11. “International Monetary Fund”; Going Green; Finance & Development; June 2012
12. “New York Times”; The Cost of Higher Fuel Economy; April 4, 2012
13. "Journal of Accountancy”; The Dollars and Cents of Green Accounting; Andrew Meyerson; May 2005
14. “Environmental Protection Agency”; Benefits and Costs of The Clean Air Act;
15. “White House/OMB”; 2011 Report to Congress on the Benefits and Costs of Federal Regulations; 2011
16. “White House/OMB”' 2013 Draft Report to Congress on the Benefits and Costs of Federal Regulations; 2014
17. “Climate Progress”; The Economic Benefits of EPA Regulations Massively Outweigh The Costs; Jeff Spross; May
3, 2013
18. “Inside Washington Publishers”; OMB Faces Backlash For Backing EPA's Cost-Benefit Studies; May 30, 2005
19. “The Brookings Institute”; The Hamilton Project: A Better Approach to Environmental Regulation: Getting The
Costs and Benefits Right; Ted Gayer; May 2011