InvITs: A Good Investment Option?

Infrastructure and real estate are two crucial sectors that underpin the sustained economic growth and development of a nation. They have critical importance for a country’s advancement both on economic and social parameters. However, these two sectors need significant stimulus from the Government, perhaps more than others, for sustained growth and orderly development.

The dynamic regulatory regime, introduced after the commencement of the economic liberalization process in the year 1991, has been a cause for the continued growth of the Indian economy, even amid a global financial crisis. The introduction of the InvITs is proof of this regime. Its arrival could not be better when there is an increased focus on infrastructure and real estate development.

Historically, the responsibility of financing this sector has fallen on the banks and financial institutions. However, the situation has changed since InvITs have been attracting private funding through private equity investments.

InvITs provide an opportunity to participate in infrastructure and real estate financing through a stable and liquid instrument. It also promotes a more efficient governance structure. It allows smaller and non-institutional investors to participate in infrastructure and real estate financing. Investors also reap the benefits of growth in these sectors through a marketable instrument, which is less prone to the volatility inherent in equity investments.

With the introduction of the InvITs, Indian Capital Markets have overcome the global competitive disadvantage. It has provided Indian companies with a much needed additional avenue for financing. The Government has provided a mostly favorable tax regime and liberalized the ability to invest in InvITs, making these products more attractive to investors.

BACKGROUND

What’s an InvIT?
An Infrastructure Investment Trust is a trust under the Trusts Act. The registration of InvIT is under the Registration Act. Under the Trusts Act, Trust is an obligation attached to the ownership of property. The author creates the obligation, accepted by the property owner, and owed to the beneficiaries identified by the Trust Deed. In InvITs, Sponsor establishes a trust, The Trustee owns the property, and the beneficiaries are the Unitholders of the InvIT.

For the InvIT Regulations, “Infrastructure” includes all the infrastructure sub-sectors specified in the Harmonized Master List of Infrastructure Sub Sectors issued by the Ministry of Finance. Such infrastructure sub-sectors include:

 Roads and Bridges;

 Ports;

 Airports;

 Metros;

 Electricity Generation, Transmission or Distribution;

 Telecommunication Services;

 Telecommunication Towers;

 Capital Stock of Hospitals and Educational Institutions;

 Hotels and Convention Centers and

Features of an InvIT:
 The value of the infrastructure projects and other assets owned by an InvIT shall be at least 500 crore rupees.

 InvITs are allowed to borrow up to 49% of their underlying assets.

 InvITs that propose to invest at least 80% of the value of their underlying assets in the completed Infrastructure projects shall raise funds only through public issue of funds.

 They shall have at least 20 investors and a minimum 25% public float. They shall distribute not less than 90% of the total cash earnings to the investors.

 InvITs that seek to invest more than 10% of the value of their assets in under construction infrastructure projects can raise funds only through private placement from Qualified Institutional Buyers or Body Corporate.

 They shall have a minimum of 5 investors, with each holding not more than 25% of the units. They shall distribute not less than 90% of their total earnings to the investors.

 Listing is mandatory for both publicly offered and privately placed InvITs.

LEGISLATION

The Key laws applicable to InvITs include the InvIT Regulations, the InvIT Guidelines, the Trusts Act, the Registrations Act, the FEMA, and the Income Tax Act, 1961.

ELIGIBILITY:

According to the regulations, investors can comprise insurance and pension funds, domestic institutional investors (like mutual funds or banks), foreign institutional investors, HUFs, and Individuals with a high income. The IPO has a minimum application size of Rs 10 Lacs, and the minimum trading lot is Rs 10 Lacs post listing of the units of the InvIT.

PROCEDURE:

Unitholders are investors who purchase the Units of the InvIT. They invest in the primary market at the Initial Public Offering or by purchasing Units from the second-hand marketplace.

Each InvIT comprises of a trustee who is a SEBI registered debenture trustee. The Trustee holds the InvIT Assets in Trust for the Unitholders’ benefit and ensures that the fund’s investment policies comply with the regulations.

PARTIES INVOLVED IN THE ESTABLISHMENT OF AN InvIT

The parties involved in establishing an InvIT are the Sponsor, the Trustee, the Investment Manager, and the Project Manager, each with distinct duties, roles, and responsibilities.

Sponsor: An InvIT, being a trust, the Sponsor of an InvIT is the author of the Trust required to transfer the initial portfolio of assets to InvIT.
A sponsor may be a company, an LLP, or a body corporate. Regarding the Public-Private Partnership (PPP), the Sponsor is an infrastructure developer or a Special Purpose Vehicle (SPV) holding a concession agreement. If the Sponsor is a body corporate, its net worth should not be less than 100 Crore Rupees.

A Sponsor has to hold at least 25% in the InvIT for at least three years except for the cases where a regulatory requirement or concession agreement requires the Sponsor to hold a certain minimum percentage in the underlying SPV. In such cases, the consolidated value of such Sponsor Holding the underlying SPV and in the InvIT cannot be less than 25% of the value of units of InvIT on a post-issue basis.

Trustee: The Trustee is the owner of the InvIT Assets, which he holds in a trust. The Trustee’s required eligibility includes: The Trustee should be a registered trustee under the SEBI Debentures Trustee Regulations, and the Trustee should not be an associate of the Sponsor, the Investment Manager, or the Project Manager.
Investment Manager: The Investment Manager undertakes the investment decisions for the InvIT, manages the Assets of the Trust, and initiates activities related to the general corporate aspects of an InvIT. The Investment Manager may be a company, an LLP, or a body corporate. If the Investment Manager is a body corporate or a company, its net worth should not be less than 10 Crore Rupees.
Project Manager: The Project manager is the entity responsible for executing infrastructure projects and the achieiving project milestones under the concession agreement or other relevant project documents.
BENEFITS OF INVESTING IN InvITs:

Diversification: With the multiple underlying assets of an InvIT, investors get an opportunity to diversify their investment portfolios. For instance, an InvIT has to distribute 90% of its total net cash flow to its investors. Such an option ensures risk minimization and allows investors to generate stable dividend payments in the long run.
Generates a fixed income: Redistribution of risk and generation of a steady income acts as a healthy alternative for accruing regular returns, especially for retirees. Having such an investment in the portfolio would help investors who intend to plan retirement effectively.
Liquidity: The liquidity aspect of an infrastructure investment trust is primarily enhanced because, generally, it is easy to enter or exit from them. Although, small investors may find it tedious to sell off a high-priced asset in a short period.
Management of Assets: Generally, the underlying assets of an InvIT are managed by professionals with a long-standing history of portfolio management. Such prior experience provides an opportunity for investors to ensure effective management and allocation of resources.
The benefit to the Promoters: By investing in InvITs, promoters would significantly minimize the burden by the sale of an asset. The proceeds of the sale can fund other projects. There are several infrastructure companies whose funds are locked up in completed infrastructure projects. As a result, they cannot be used to promote growth in the country’s infrastructure sector. InvITs enable the refinance of these developments. Such instruments create an attractive opportunity for smaller investors to benefit from the development of these projects.
InvITs further promote the flow of foreign investment and finance directly into the Indian infrastructure sector.
NOTE: When evaluating an infrastructure investment trust, it is imperative to study its underlying assets and holdings before investing. Likewise, it is crucial to understand the Trust’s intrinsic value by using various valuation techniques. Just like InvITS, if you would like to invest in stock market & mutual funds, want to know how to do it and which broker you should select, then visit Select by Finology.

DRAWBACKS:

Although InvITs provides a good investment option with long term steady gains over time, there are inevitable setbacks in operating. A few of them are listed below:

There is a lack of transparency.
The underlying asset’s failure risk because of a plethora of inherent equity-associated risks gets transferred to the investors.
The investors have no easy way to understand the risk since all the speculations of cash flow are merely that – speculations. If the projections for the upcoming years prove false, the Uniholders’ dividend payment structure will be a catastrophe.
The investors do not have real knowledge of the underlying assets’ net worth. The initial Valuation Report that suggests that the project will generate a certain amount of returns over the period cannot be relied solely upon as real estate projects are subject to numerous changes over the long periods. So, the longer the term of the project, the greater the risk. For instance, the construction of a metro project will minimize the highways’ traffic and affect the payment of toll. Such a model subsequently affects the revenue of the infrastructure company, and the returns on the project take a big hit. If a road project becomes unviable, the investors in InvIT will lose money if the tolls received fall.
CONCLUSION

To sum it up, the InvIT market is relatively nascent in India. It is in an evolving phase, with only a handful of InvITs registered currently. However, with the Government’s appropriate stimulus in the infrastructure segment and a boost in the economy over the period, InvIT can prove a suitable investment option for several investors.

In the backdrop of India’s massive infrastructure financing needs, it is suggestible that more number of InvITs get registered throughout the future.

How to Find Reputable Credit Repair Services

If you have ever got into a situation of rejected loans or credit cards due to bad credit scores, then you need a credit repair company for getting it fixed. It becomes embarrassing when you need a certain amount of loans at some reasonable rates, but you can’t access it due to the credit score.

But we recommend that you not sign a contract with a credit repair service provider unless you thoroughly understand how the company and system works and what credit repair companies can and cannot do to fix the problem.

If you have already decided about hiring a credit repair company and accessing their services, then you need to be crystal clear about companies that:

· Demands an upfront payment: CROA bans this type of payment; thus, you don’t need to make an upfront payment.

· Don’t provide a contract: Companies must have to provide a written contract to the customer, including the consumer’s cancellation rights.

· Promise a quick and simple fix: Don’t get into the talks of companies offering a quick fix to your problem as it is impossible. It’s a lengthy procedure and takes a specific amount of time. As per the law, the credit bureau has a time of 30 days to respond to a challenge related to your credit report.

· Guarantee who says to raise the score or fix an error: If a company says they will raise your credit score upto a certain level and fix the error from your credit report before actually going through your problem, say no. You don’t need to give a second thought to it.

· Have complaints against them: If a company already has complaints from the consumers about not providing satisfactory results, don’t go for them. You can go through company reviews online and can check the Consumer Financial Protection Bureau complaint database. You will have access to all the required information that will be enough to decide to say yes or no to a company.

Things To Do Before Actually Getting In Touch With a Credit Repair Service:

When you have decided that you will need a credit repair service for getting out of your credit problem, perform a thorough study on your credit report. You can have access to a free credit report every year from the credit bureau.

You can choose any of the three available credit reporting bureaus, I.e., Equifax, Experian, and TransUnion. Visit AnnualCreditReport.com and get your annual credit report. Perform a check on your credit reports on all three of them as your report may vary on all three of them.

While reviewing your credit report, you must check the derogatory marks such as missed payments and errors. When you hire a credit repair company for accessing the repair services, you will be going through each credit report provided by the company’s representative. They will provide you with documentation supporting the dispute like paid invoices and court records. You should be all set to answer all such questions related to your credit history.

4k Tv Market Trends, Share, Size, Growth, and Forecast 2024-2032

IMARC Group’s latest report, titled “4K TV Market: Global Industry Trends, Share, Size, Growth, Opportunity and Forecast 2024-2032″, offers a comprehensive analysis of the industry, which comprises insights on the 4K TV market outlook. The report also includes competitor and regional analysis, and contemporary advancements in the market. the global 4K TV market size reached US$ 251.6 Billion in 2023. Looking forward, IMARC Group expects the market to reach US$ 1,244.9 Billion by 2032, exhibiting a growth rate (CAGR) of 18.86% during 2024-2032.

Factors Affecting the Growth of the 4k TV Industry:
Consumer Demand and Technological Advancements:
The growth of the 4K TV industry can be largely attributed to the increasing consumer demand for high-quality visual experiences. As technology advances, consumers seek better resolution, color accuracy, and overall picture quality. 4K Ultra High Definition (UHD) televisions offer four times the resolution of Full HD, providing viewers with incredibly sharp and detailed images. This has been a significant driver of the industry’s growth. Technological advancements in display technology, such as OLED (Organic Light Emitting Diode) and QLED (Quantum Dot Light Emitting Diode), have further enhanced the appeal of 4K TVs. These technologies enable brighter and more vibrant displays, contributing to the overall attractiveness of 4K TVs to consumers. Moreover, the availability of larger screen sizes in 4K TVs has transformed the home entertainment experience, making it more immersive and engaging.

Content Availability and Streaming Services:
4K TV industry is the increasing availability of 4K content, primarily through streaming services. Major streaming platforms like Netflix, Amazon Prime Video, Disney+, and Apple TV+ offer a wide range of 4K content, including movies, TV shows, and original series. This content availability incentivizes consumers to invest in 4K TVs to fully enjoy the immersive experience. The adoption of 4K cameras and production equipment by filmmakers and content creators has also contributed to the creation of more 4K content. This has led to a positive feedback loop, where the demand for 4K TVs is met by an increasing supply of high-quality 4K content.

Competitive Pricing and Market Competition:
Market competition and competitive pricing have played a significant role in the growth of the 4K TV industry. Numerous manufacturers, both established and emerging, offer a wide range of 4K TV models with varying features and price points. This intense competition has led to continuous innovation and the introduction of affordable 4K TVs. Manufacturers have focused on research and development to improve the performance and features of 4K TVs while keeping production costs in check. This has enabled them to offer high-quality 4K TVs at competitive prices, making them accessible to a broad spectrum of consumers.

These key Players Operating in the Industry:
Haier Inc
Hisense Group
Hitachi Ltd
Koninklijke Philips N.V
LG Electronics (LG Corporation)
Panasonic Holdings Corporation
Samsung Electronics Co. Ltd
Sceptre Inc
Sharp Corporation
Sony Group Corporation
TCL Technology
Vizio Inc
Vu Televisions
4k TV Market Trends:

The global market is primarily driven by the rapid urbanization and the rise in disposable income levels worldwide. Additionally, increasing environmental consciousness and energy efficiency considerations are driving changes in consumer preferences within the 4K TV market. Moreover, emerging markets, especially in Asia, Latin America, and Africa, present significant growth opportunities for the 4K TV industry.

Furthermore, rapid collaboration between 4K TV manufacturers and other technology companies, such as audio system providers and gaming console makers, has led to attractive product bundles and cross-promotions which is further impelling the market growth. In line with this, growing consumers become more aware of the benefits of 4K technology and read positive reviews, they are more likely to consider upgrading to a 4K TV, contributing to market growth.

4k TV Market Report Segmentation:
Technology Insights:
OLED (Organic Light Emitting Diode) Display
Quantum Dot
OLED (Organic Light Emitting Diode) Display represents the largest segment because of its ability to deliver superior image quality, deep blacks, and vibrant colors, making it highly desirable for consumers seeking premium 4K TV viewing experiences.

Screen Size Insights:
Below 55 Inches
55-65 Inches
Above 65 Inches
Below 55 Inches represents the largest market because it caters to a broad consumer base, including those with limited living space or budget constraints, making these smaller 4K TVs more accessible and popular.

End User Insights:
Residential
Commercial
Residential represents the largest market because 4K TVs are primarily designed for home entertainment, and residential consumers seek larger, high-resolution displays for enhanced viewing experiences in their living rooms.

Breakup by Region:

North America (United States, Canada)
Europe (Germany, France, United Kingdom, Italy, Spain, Others)
Asia Pacific (China, Japan, India, Australia, Indonesia, Korea, Others)
Latin America (Brazil, Mexico, Others)
Middle East and Africa (United Arab Emirates, Saudi Arabia, Qatar, Iraq, Other)
Asia-Pacific represents the largest market segment due to its substantial population, rapid urbanization, and rising disposable incomes, which have created a robust demand for consumer electronics, including 4K TVs, in the region.

Key Highlights of the Report:
Market Performance (2018-2023)
Market Outlook (2024-2032)
Porter’s Five Forces Analysis
Market Drivers and Success Factors
SWOT Analysis
Value Chain
Comprehensive Mapping of the Competitive Landscape
About Us:

IMARC Group is a leading market research company that offers management strategy and market research worldwide. We partner with clients in all sectors and regions to identify their highest-value opportunities, address their most critical challenges, and transform their businesses.

IMARC Group’s information products include major market, scientific, economic and technological developments for business leaders in pharmaceutical, industrial, and high technology organizations. Market forecasts and industry analysis for biotechnology, advanced materials, pharmaceuticals, food and beverage, travel and tourism, nanotechnology and novel processing methods are at the top of the company’s expertise.

From Insights to Impact: Harnessing the Digital Arsenal for Marketing Success

In the fast-paced world of digital marketing, professionals need to wield a versatile set of skills to navigate the ever-evolving landscape of online consumer behavior. From data analysis to creative content creation, the modern marketing professional must be adept at utilizing various tools to drive results.

At the core of every successful marketing professional’s toolkit lies a deep understanding of consumer psychology and market trends. This foundational knowledge enables them to craft compelling messaging that resonates with their target audience. Moreover, proficiency in data analytics tools empowers marketers to glean actionable insights from vast amounts of consumer data, allowing for more targeted and personalized marketing campaigns.

Furthermore, fluency in social media platforms and digital advertising tools is essential for reaching and engaging with consumers across different channels. With the rise of influencer marketing and user-generated content, marketers must also possess strong relationship-building skills to foster collaborations and partnerships that amplify their brand’s reach.

Additionally, adaptability is key in the digital marketing realm, as new technologies and platforms emerge regularly. Marketing professionals must stay abreast of industry trends and continuously update their skill set to remain competitive in the field.

Transitioning from the individual marketer to the collective force of a marketing agency, the digital toolbox becomes even more critical. A marketing agency serves as a hub of expertise, pooling together diverse skill sets to deliver comprehensive marketing solutions for clients.

A successful marketing agency leverages a wide array of tools and technologies to execute multi-faceted campaigns across various digital channels. This includes robust project management software to streamline workflow processes, as well as advanced analytics platforms to track campaign performance and ROI.

Moreover, collaboration tools facilitate seamless communication and coordination among team members, ensuring that everyone is aligned towards achieving the client’s objectives. Additionally, creative software empowers agencies to produce visually stunning content that captures the audience’s attention and drives engagement.

Furthermore, marketing agencies often invest in continuous training and development programs to keep their teams ahead of the curve in terms of emerging technologies and industry best practices.

In conclusion, the digital toolbox is indispensable for both individual marketing professionals and marketing agencies alike. By mastering essential skills and leveraging the right tools, professionals can effectively navigate the complexities of the digital landscape and drive meaningful results for their clients. Partner with a Leading marketing agency: Ignite Your Success!

The Future of NFTs: Shaping the Digital Landscape with Decentralization and the Metaverse

In the ever-evolving world of blockchain technology, the rise of Non-Fungible Tokens (NFTs) has been a transformative phenomenon. These unique digital assets have captured the imagination of creators, collectors, and investors alike, revolutionizing the way we perceive and interact with the digital realm. Infograins are one of the fastest growing NFT Development Company. As we look towards the future, the potential impact of emerging technologies, such as decentralized finance (DeFi) and the metaverse, holds profound implications for the evolution of the NFT market.

The Convergence of NFTs and DeFi
The intersection of NFTs and decentralized finance (DeFi) is poised to unlock new avenues for financial innovation and decentralized ownership. DeFi, with its promise of open, transparent, and permissionless financial services, provides a fertile ground for NFT-based applications.

One of the key areas where NFTs and DeFi converge is in the realm of digital asset lending and borrowing. NFTs can serve as collateral for DeFi-powered loans, enabling individuals and businesses to unlock the value of their digital assets without having to sell them outright. This unlocks new opportunities for liquidity, investment, and diversification within the NFT ecosystem.

Moreover, the integration of NFTs with DeFi protocols opens the door to more complex financial instruments, such as NFT-based derivatives and structured products. These innovative solutions can further enhance the utility and value of NFTs, empowering creators and collectors to leverage their digital assets in ways that were previously unimaginable.

The Rise of the Metaverse and NFTs
The concept of the metaverse, a shared virtual world that blends physical and digital experiences, has captured the attention of tech giants, entrepreneurs, and the general public alike. As the metaverse takes shape, NFTs are poised to play a crucial role in shaping this new digital frontier.

Within the metaverse, NFTs can serve as unique, verifiable, and tradable representations of digital assets, ranging from virtual real estate and in-game items to digital art and fashion. This integration of NFTs into the metaverse allows for the creation of truly scarce and valuable digital objects, fostering a vibrant economy where users can buy, sell, and trade these assets.

Moreover, the immersive nature of the metaverse presents opportunities for NFT-powered experiences, where users can engage with, interact with, and even create their own unique digital content. This convergence of NFTs and the metaverse opens up new avenues for creativity, entertainment, and commerce, empowering both creators and consumers to redefine the boundaries of the digital world.

The Evolution of NFT Utility and Adoption
As the NFT market matures, we can expect to see a continued evolution in the utility and adoption of these digital assets. Beyond the current focus on art, collectibles, and gaming, the future of NFTs holds the potential to revolutionize various industries and sectors.

In the realm of digital identity, NFTs can serve as tamper-proof and verifiable representations of an individual’s digital persona, enabling secure and decentralized access to a wide range of online services and applications. This integration of NFTs with digital identity can pave the way for more personalized and secure user experiences, while also empowering individuals to have greater control over their digital footprint.

Furthermore, the application of NFTs can extend to supply chain management, where these digital assets can be used to track the provenance and authenticity of physical goods, enhancing transparency and reducing the risk of counterfeiting. This integration of NFTs with real-world assets can unlock new opportunities for businesses to optimize their operations, improve customer trust, and explore new revenue streams.

The Evolving Regulatory Landscape and Implications
As the NFT market continues to grow and evolve, the regulatory landscape surrounding these digital assets is also undergoing significant changes. Governments and policymakers around the world are grappling with the challenges of effectively regulating the NFT ecosystem, balancing the need for innovation and consumer protection.

Issues such as taxation, anti-money laundering (AML) compliance, and securities regulations are at the forefront of these regulatory discussions. As the industry matures, we can expect to see the development of more comprehensive and harmonized regulatory frameworks that provide clarity and guidance for NFT creators, platforms, and users.

These regulatory developments will have far-reaching implications for the future of the NFT market. They will shape the way in which NFTs are created, traded, and used, influencing the overall trajectory of the industry and its integration with other emerging technologies, such as DeFi and the metaverse.

Infograins: Shaping the Future of NFTs
As a leading NFT development company, Infograins is at the forefront of this digital revolution. With a deep understanding of blockchain technology, smart contract development, and user experience design, we are well-equipped to help businesses and creators navigate the complexities of the NFT landscape.

Our team of experts has a proven track record of delivering innovative NFT solutions that cater to the evolving needs of the market. From building custom NFT marketplaces to integrating NFTs with DeFi protocols and metaverse platforms, Infograins is committed to driving the adoption and advancement of this transformative technology.

As the future of NFTs unfolds, Infograins will continue to play a pivotal role in shaping the digital landscape. By leveraging the power of decentralization, DeFi, and the metaverse, we are poised to help our clients unlock new opportunities, enhance user experiences, and redefine the boundaries of the digital world.

Conclusion
The future of NFTs is brimming with boundless possibilities. As the convergence of these digital assets with emerging technologies like DeFi and the metaverse takes shape, we are witnessing a paradigm shift in the way we perceive and interact with the digital realm.

From unlocking new avenues for financial innovation to redefining the boundaries of virtual experiences, the evolution of the NFT market holds the potential to transform industries, empower creators, and emancipate individuals from the constraints of the physical world.

At Infograins, we are excited to be at the forefront of this digital revolution, leveraging our expertise to help businesses and creators navigate the complexities of the NFT landscape and unlock the full potential of this transformative technology.

Commercial Aircraft Market by Component, Application, Growth and Analysis – 2031

Commercial Aircraft Market 2022

The commercial aircraft market is expected to surge past a value of US$ 330 billion by the end of the forecast period. The commercial aircraft market is projected to witness a modest CAGR of 4.1% for the period from 2017 to 2024.

The commercial aircraft market is driven by a number of factors such as skyrocketing passenger traffic, aviation network infrastructural improvements, development of quieter and fuel-efficient aircraft, and government initiatives taken by several national governments encouraging the domestic commercial aircraft market. Some of these include liberalized taxation regions, R&D investments, and measures that aid the indigenous manufacturing of commercial aircraft.

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Key Companies-
The Boeing Co.
Airbus SE
Embraer SA
Bombardier, Inc.
Textron, Inc.
Dassault Aviation SA
General Dynamics Corporation
Piaggio Aero Industries SpA
Pilatus Aircraft Ltd.
Regional transport aircraft
Others.
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Narrow body aircraft are the most popular in the commercial aircraft market and had the largest revenue share in the year 2017. Narrow body aircraft are poised to be the biggest beneficiary in the shift away from wide-body aircraft that carry more passengers at the cost of fuel efficiency. The narrow body aircraft segment is expected to be worth just under US$ 170 billion in end 2022, making it well-worth the while of all major stakeholders in the commercial aircraft market
Wide-body aircrafts have lost a large part of their appeal in the commercial aircraft market and are anticipated to lose further BPS over the course of the forecast period. However, the APEJ region could be the bright spot in the wide-body aircraft market as the region is predicted to record a CAGR of just under 5%. APEJ, riding on the shoulders of exploding air passenger traffic in China and India should require a large number of wide-body aircrafts throughout the duration of the five-year study and companies must be in a position to cater to this demand
Regional jets occupy the third slot in the commercial aircraft market and have a revenue share of approx. a sixth by product type. Key stakeholders in the commercial aircraft market are recommended to focus their attention on the North America and Europe regional jets market as both are estimated to push past a value of US$ 14 billion by the end of 2022. A higher CAGR is likely to be in Europe over North America during this time
The turboprop aircraft segment is a comparative niche in the commercial aircraft market and it accounts for minimal revenue share. Nonetheless, an absolute dollar opportunity of over US$ 7 billion is waiting to be tapped in the turboprop segment of the commercial aircraft market from 2017 to 2022. North America holds the greatest chunk of the turboprop aircraft segment with a contribution of almost a third of the commercial aircraft market
It can be safely assumed that the future of the commercial aircraft market lies in the APEJ region as the fundamentals of this region are quite strong. Booming economic growth, a rising middle class in China and India demanding greater air connectivity and travel options for business and leisure, coupled with government initiatives encouraging domestic manufacturing should ensure that this region remains paramount in commercial aircraft market
Profiled companies in the report are Avions de transport regional, Pilatus Aircraft Ltd., Piaggio Aero Industries SpA, General Dynamics Corporation, Dassault Aviation SA, Textron, Bombardier, Embraer SA, Airbus SE, and The Boeing Co.

Pharmacy Services for Chronic Pain Management in Tuban City

Chronic pain management is a critical healthcare challenge globally, and Tuban City is no exception. With an increasing number of residents experiencing chronic pain conditions, the role of pharmacies in the city has become pivotal in ensuring effective pain relief and improving overall quality of life for patients. This article explores the pharmacy services available in Tuban City that cater specifically to chronic pain management.

Pharmacy Accessibility and Convenience

Tuban City boasts a network of pharmacies strategically located throughout urban and suburban areas, ensuring accessibility for residents seeking pain management solutions. Pharmacies such as [insert names if known] are equipped with knowledgeable pharmacists who play a vital role in educating patients about their medications. They provide guidance on dosage, potential side effects, and drug interactions, ensuring safe and effective use of pain management medications.

Medication Availability

Pharmacies in Tuban City stock a variety of medications commonly prescribed for chronic pain, including nonsteroidal anti-inflammatory drugs (NSAIDs), opioids, muscle relaxants, and adjuvant medications like antidepressants and anticonvulsants. This availability ensures that patients have access to a range of treatment options tailored to their specific needs and health conditions.

Patient Education and Counseling

Pharmacists in Tuban City take proactive steps to educate patients about chronic pain management. They offer counseling sessions that cover topics such as medication adherence, lifestyle modifications, and non-pharmacological pain management techniques (e.g., physical therapy, acupuncture). This holistic approach empowers patients to actively participate in their treatment plans, thereby enhancing therapeutic outcomes and reducing the risk of medication misuse or dependency.

Collaboration with Healthcare Providers

Pharmacies in Tuban City foster strong collaborative relationships with healthcare providers, including physicians, pain specialists, and physical therapists. This collaboration ensures comprehensive care for patients with chronic pain. Pharmacists communicate with prescribers to clarify medication orders, monitor treatment progress, and address any concerns or adverse effects promptly. Such coordinated efforts contribute significantly to optimizing pain management strategies and improving patient well-being.

Community Outreach and Support

Beyond dispensing medications, pharmacies in Tuban City engage in community outreach programs focused on pain management education and awareness. They organize workshops, seminars, and health fairs to educate the public about chronic pain conditions, treatment options, and preventive measures. These initiatives aim to reduce stigma associated with chronic pain, encourage early intervention, and promote a supportive environment for individuals living with persistent pain.

Technological Integration

Many pharmacies in Tuban City have embraced technological advancements to streamline services and enhance patient care. Digital platforms enable patients to refill prescriptions online, access educational resources, and receive personalized medication reminders. These innovations improve medication adherence and facilitate communication between patients and healthcare providers, ensuring continuity of care in chronic pain management.

Conclusion

Pafitubankota serve as integral pillars in the management of chronic pain, offering accessible medications, patient education, collaborative care, community support, and technological solutions. By leveraging these comprehensive pharmacy services, residents with chronic pain can effectively manage their conditions and achieve better health outcomes. As the city continues to evolve, pharmacies remain committed to innovating and expanding their services to meet the diverse needs of the community in pain management.

What is DeFi? What You Need to Know in 2021

First introduced in 2020, the term is gaining momentum and becoming popular as the prime use case of digital currencies today.

Will DeFi ever rule the world? Why it’s becoming so popular term?

Where many people still call Decentralized Finance a passing fad, companies across the globe have been starting to implement technologies such as Blockchain in the financial part.

As Decentralized Finance is set to mark its presence in the industry, there are many who don’t really know what DeFi is. If you find yourself among them, we got your back.

What is DeFi?
Let’s understand this by discussing Bitcoin.

Bitcoin is a digital form of money that isn’t controlled by any central authority or government. The cryptocurrency can be transferred to anyone sitting in any part of the world without the need for a bank or any financial institution playing their part.

And that’s what make it decentralized money.

Yes, Bitcoin is decentralized money that can be used to store, exchange and make payments.

However, transferring money is just the first of several building blocks in a financial system. Apart from sending money to one another, there’s an assortment of services we use today. For instance, stock markets, insurance, saving plans, and loans are all services built around money and together create our financial system.

At present, our financial system and all its services are centralized. Banks, insurance companies, stock markets and other financial institutions all have someone in-charge having control of the domain.

Such centralized financial systems come with their own risk of mismanagement, corruption, fraud, to name a few.

What if we could decentralize this financial system entirely in the same way as Bitcoin decentralized money? That’s what DeFi is all about.

What’s There for DeFi in 2021?
There’s no doubt that DeFi or Decentralized Finance could achieve the spotlight last year, which was visible in the prices of DeFi tokens multiplying throughout the year.

According to the reports, people locked up millions of dollars’ worth of their crypto holdings on smart contracts via DeFi sites. Where is DeFi heading in 2021?

The Best Places for Your Emergency Fund

Having a fully covered emergency fund (three to six months of your living expenses) is vital to your financial health. Most people downplay the role an emergency fund plays as an essential personal finance tool. You can’t foresee an accident, but you can choose to be proactive by building an emergency fund for whatever life throws at you e.g. COVID-19. If you’re thinking of building your emergency fund, the next question would be, “where do I put it”?

Ideally, the best places to store your funds are in instruments that offer liquidity. This is the most crucial feature to consider when making your decision. OVERWOOD offers liquidity and flexible withdrawal windows even though its products are designed for long-term investments, not short-term savings. A traditional savings account might be your first choice, but other liquid instruments can keep your funds safe while you earn interest. By earning interest on your savings, you’re balancing out the probable effect of inflation on your funds. In foresight, the funds earmarked for emergencies should be housed differently from your periodic savings.

Money market account
Saving your emergency fund in a money market account will earn you more interest than conventional savings or current account. Some MMAs in Nigeria offer you the opportunity to earn an increased yield on short term investments. With the added benefit of a debit card and check-writing ability, your funds can always be easily accessed. Before deciding if this account meets your savings needs, you should do your research and consider all possible fees.

High-yield savings account
A high-yield savings account differs from your traditional savings account because of the interest rate. While you might not get rich using this account, you can earn some extra cash on your emergency fund. Most high-yield savings accounts are found at online banks. Research on options with competitive interest rates, and consider other factors like the minimum balance requirements and account fees when making your decision.

Certificates of deposits (CDs)
The best way to save your money is to put it where it can earn interest. To earn even more returns, you can consider Certificates of deposits. It’s essentially an agreement with the bank to use your money for a fixed period in exchange for interest. The maturity for CDs in Nigeria ranges from 30 days to 5 years. While you get to choose a tenor that best works for you, the drawback is the penalty that may be incurred as a result of early withdrawal.

Treasury bills
Treasury bills are another option for your emergency fund, and they are the most liquid securities. They are government-guaranteed debt securities that mature within a year. With treasury bills, you are loaning the government your funds in exchange for an interest. The maturity date varies, and the longer the maturity date, the higher the interest rate. Thinking long term, it can put extra money in your pocket.

2021 Car Buying Resolutions: Set the Right Goals for the New Year

The end of 2020 was one of the most awaited and anticipated part of the year. Now that we can finally bid goodbye to 2020, we welcome 2021 with new hopes and in regards that it will be a better year. With the onset of a new year, we will all set our resolutions. New Year resolutions can vary from joining a gym, spending more time with loved ones, or travel more often. However, if you want to buy a new car, setting new year resolutions related to your goal will help you in making the right choice.

Car Buying in 2021: New Year Resolutions to get the Right Deal

The following resolutions will help you pick the right car deal in no time.

1. Pick Cars over Mass Transit Options

A self-owned car has proved to be much more convenient and safer in the past year. Many regular commuters have discarded the option of riding on a subway or a train. A car is a safe mode to commute to work, school, or run errands daily. Additionally, cab-hailing services such as Uber are also not a preferred option during the pandemic. Moreover, you should road-trip in your car with loved ones instead of flying for the trip because it is the safer option. In conclusion, your resolution for 2021 should include a self-owned car for safe travels.

2. Reliable and Feature-Rich Car for Young Ones

Many countries all over the world are preparing to launch a vaccine in the year 2021. Post the release of a vaccine and the reopening of colleges and schools, look into purchasing a car for your younger one. Focus on finding a vehicle that is reliable, safe, and beginner-friendly. The Honda CR-V 2021 has gained applause for being a spacious, compact SUV with safety features such as road departure warning, collision mitigation brake system, and traffic sign recognition. You can even check other options before you make the purchase.

3. Maintain your Car & Credit Score

Just as changing the oil of your car is a necessity, so is maintaining your credit score. Regularly look at your credit reports and correct any fallacies that may have gone unnoticed in the past year.

Additionally, pay off your previous debts before you apply for an auto loan. Be consistent with your payments. Work on improving your debt-to-income ratio before you set out to purchase your next car. In the end, make it a resolution to maintain your car and credit score for a robust financial future.

Resolutions for Better Car Deals and Improved Driving Skills

Just thinking of buying a new car will not help you to achieve your goal. Research for the kind of car you want to buy; and focus on improving your credit score to enjoy a better deal.

Additionally, get working on your resolutions to improve your driving habits. Resolve to become a courteous driver and ditch road rage. Make distracted driving and using phones while driving a thing of the past. Let us enter 2021 with an evolved sense of driving!