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Asset managers expect to see more competitors merge at a fast pace over the next five years as firms seek to compete with cheaper passive funds and pay for costly regulation, a State Street survey showed.
Executive insights
Middle Market M&A — Selling A Company? What Is My Company Worth? Part 3
Selling a company? In this series of articles on the value of your business, we've tried to acknowledge a few things.
Non-Disclosure Agreements For Mergers and Acquisitions
In merger and acquisition (M&A) transactions, confidential and proprietary information often needs to be shared with the other party. But the path to doing so safely is making sure that the other party is bound to respect the confidential information provided and not use it to the disclosing party's detriment
Which Is Better, A Financial Buyer Or A Strategic Buyer?
If you decide to sell your business to an outside acquirer, you're going to have to decide between a financial and a strategic buyer. Understanding the different motivations of these two buyers can be the key to getting a good price for your business.
Five Signs That Stores (Not E-Commerce) Are The Future Of Retail
Of course, e-commerce is informing how we shop, having an outsized impact on traditional retail: from the rise of buy online, pick up in-store perks to the fact that Amazon is now the second biggest seller of consumer electronics after Best Buy.
But the spate of retail bankruptcies, store closings and liquidations doesn't mean consumers have traded in bricks for clicks. They reflect a mixed brew of factors, including a vastly over-stored retail landscape still sized for a pre e-commerce/pre Great Recession shopping mindset, just as consumers buy fewer tangible things, like a new purse, opting for more experiential purchases, like a dinner out.
And despite all the chatter about e-commerce putting brick-and-mortar out of business, it's the online-only merchants that are struggling to go it alone (think Etsy), as legacy retailers such as Wal-Mart buy up online merchants.
Middle Market M&A — Selling A Company? What Is My Company Worth? Part 4
Selling a company? In this series of articles on the value of your business, we've tried to acknowledge a few things.
The FinTech effect and the disruption of financial services
As the world stands on the brink of a technological revolution that will fundamentally alter the way everyone lives, works and relates to each other, it will be possible to observe the complete disruption of many industries and their business models.
What's Your Lifeboat? Why You Need A Sustainability Backup Business
Killing your competition was basic good business. Until now.
Good News About Divestitures
Companies that regularly prune their portfolio, take an active hand in preparing assets for sale, manage the separation and use the sale funds to acquire core assets in a repeatable M&A program make divesting a win-win for buyers and sellers.
Middle Market M&A — Selling A Company? What Is My Company Worth? Part 1
Selling a company? In this series of articles on the value of your business, we've tried to acknowledge a few things.
The Value of Transitioning to Electronic Payments
A Case Study in Driving Efficiencies and Cost Savings
Middle Market M&A — Selling A Company? What Is My Company Worth? Part 5
Selling a company? In this series of articles on the value of your business, we've tried to acknowledge a few things.
Reputation is Vital to Survival in Turbulent Markets
What sets firms apart? What can leaders in developed markets learn from them? In the recent working paper Overcoming Institutional Voids: A Reputation-Based View of Long Run Survival, the authors find that an organization's reputation is a crucial factor for long-term success. Less well understood is the key role played by resilience—an organization's ability to overcome unexpected shocks.
Middle Market M&A — Selling A Company? What Is My Company Worth? Part 2
Selling a company? In this series of articles on the value of your business, we've tried to acknowledge a few things.
This Is Not Your Typical Merger: Medicine Meets The Arts, Design And Business
This is not your typical ho-hum merger. It's not every day (or every year or every decade) that a medical school with a long, distinguished history merges with a school well known for the arts and design.
Four Ways to Maximize Your Financial Supply Chain
Businesses understand the importance of managing their physical supply chains, including the sourcing and tracking of raw materials and parts, and shipping finished goods to customers.
Why Company Culture Is Critical To M&A Success
In all of the excitement of target identification and selection, it can be easy to grab onto the obvious similarities of the two organizations and tout how aligned the two workplace cultures are. Doing this is easy but it's not enough.
Cryptocurrency Basics for Business
Curious about digital currency and how it affects your business? Learn the basics.
Value-Destructive No More, Acquisitions Now Benefit Shareholders
It turns out investment bankers may be worth their million-dollar advisory fees after all. After years of wealth destruction, acquisitions now create more value for acquiring shareholders than ever before, according to a study published in the August edition of the Journal of Corporate Finance.
What Employee Engagement Means And Why It Matters
Employee engagement is key for successful small businesses.
Selling A Business Is More Than A Transaction, It's A Transformation
The savvy seller seeks out the experienced support they need to do this legwork. The wise adviser recognizes that a collaborative and holistic approach better serves their client and creates a win for all stakeholders in the transition of a business. Together, they recognize that a change in ownership is not just a transaction. They create the transformation.
Bringing Automation to the Push for AP Optimization
See why automating invoice-to-pay workflow is the last line of defense in the battles against data entry errors, missed vendor discounts, and accounting inaccuracy.
The 5 Most Common Frustrations of an Entrepreneur
Small business survey results to help with informed business decisions
Era of Business Disruption-Why C-Suite Needs To Focus On An Organic Growth Strategy
Collaboration amongst key C-suite members to make evidence-based decisions regarding corporate strategy.
Fifth Third Securities, Inc. Advises Diamond Metals Distribution, LLC on its Recapitalization with Kian Capital
Fifth Third Securities, Inc. served as Exclusive Financial Advisor to Diamond Metals Distribution, LLC in connection with this transaction.
Managed Smart Safe Solutions Create Efficiency, Convenience and Value for Food Service Industry
Here's what you need to know about this game-changing, highly adaptive technology: Smart Safe solutions.
9 Steps to Achieving Payables Optimization Success
As treasury organizations look to drive greater efficiency and cost savings through the optimization of their payables function, it's important to take advantage of industry best practices.
Fifth Third Serves as Joint Lead Arranger and Joint Active Book-Running Manager in Debt Financings for Delta Air Lines, Inc.
Fifth Third Bank and Fifth Third Securities, Inc. served a lead role in connection with these debt transactions, respectively.
Fifth Third Securities, Inc. Advises Q.C. Industries, LLC on its Sale to Duravant LLC
Fifth Third Securities, Inc. served as Exclusive Financial Advisor to Q.C. Industries, LLC in connection with this transaction.
Using an Employee Stock Ownership Plan to Exit Your Business
Planning the best exit strategy for your business? Here's how to keep you business locally rooted and your employees.
Fifth Third Securities Advises Planet Fitness Midwest on Growth Capital Raise
Fifth Third Securities, Inc. served as the exclusive financial advisor to Planet Fitness Midwest on their recent growth capital raise.
Boston Market Transforms Cash Management with Fifth Third Bank
Fifth Third Bank (NASDAQ: FITB) announced an expansion of their strategic relationship with Boston Market to roll out Fifth Third Currency Processing SolutionsSM in approximately 450 restaurants across the country by mid-2017.
Fifth Third Serves as Joint Lead Arranger and Joint Book-Running Manager in Debt Financings for Dollar Tree, Inc.
Fifth Third Bank and Fifth Third Securities, Inc. served a lead role in connection with these debt transactions, respectively.
How To Divide Businesses Without Paying Taxes
Through the use of sophisticated partnership structures, business owners can structure a division of their companies, eliminating, taxes at that time.
Fifth Third Securities, Inc. Advises DPI, Inc. on its Recapitalization with Main Street Capital Corporation
Fifth Third Securities, Inc. served as Exclusive Financial Advisor to DPI, Inc. in connection with this Transaction.
Fifth Third Bank Assists With Controlling Raw Materials Pricing
A leading electrical contracting company was able to avoid spiking materials costs after our analysts helped them negotiate two-year agreements to cap pricing.
Fifth Third Securities, Inc. Advises Auto-Vehicle Parts Company on its Recapitalization by Tenex Capital Management
Fifth Third Securities, Inc. served as Executive Financial Advisor to auto-vehicle parts company in connection with this transaction.
How Your Business Can Take Advantage of Rising Interest Rates
Take the following steps to leverage rising interest rates for your business.
Fifth Third Securities, Inc. Advises Canton Drop Forge, Inc. on its Sale to Park-Ohio Industries, Inc.
Fifth Third Securities, Inc. served as Exclusive Financial Advisor to Canton Drop Forge, Inc. in connection with this transaction.
Fifth Third Securities Advises Clyde's Market, Inc. on Sale to Enmarket Stations, Inc.
Fifth Third Securities, Inc. acted as the exclusive financial advisor to Clyde's Market Inc. (Clyde's) on its recent acquisition by Enmarket Stations, Inc.
How Phantom Equity Can Drive Engagement
You shed blood, sweat, and tears to get your company off the ground. Now it's up, running, and doing well. But many of your employees weren't there for the start-up phase, so to them it's just a job. What you really want now is a company in which all the employees are engaged and committed—a company where they think and act like owners.
Hyper-Personalized Manufacturing Can Drive Inclusive Growth — Here's How
Advancements in technology have led to the rise in automation and 'smart' manufacturing.
With the internet and digital services pervading every walk of life, there is a clear shift from standardization through mass manufacturing, towards personalization through automation and smart manufacturing.
Powered by data, hyper-personalization combines curation with personalization to create customized user experiences around individual customer wants and needs.
How To Avoid Disappointment When It's Time To Cash Out
Rather than rely on industry benchmarks, the best way to ensure you're not disappointed with the sale of your business is to decide up front what it's worth to you.
With Ken Chenault Out At American Express, Let's Talk About Leadership Transitions
Kenneth Chenault, the stalwart CEO who has led American Express for 16 largely successful years, announced his retirement recently. Needless to say, incoming CEO Stephen Squeri has big shoes to fill.
6 Things Faster Payments Will Usher In
Faster payments are on the way and that's good news for businesses and consumers alike. While the benefits of faster payments will be numerous, here are six top things small businesses can look forward to with the improvement of the settlement process.
What Business Owners Really Need To Know About Succession Planning
Succession planning should not just be a catchphrase; you need to work your butt off to accomplish it successfully.You will need professional help if you want professional results.
Digital Currency Indexes Are Coming
While there are no digital currency indexes currently available to retail investors through regular brokerages, many firms are working towards making these types of products available.
The Benefits of Reinventing Your Payments Processes
Re-engineering your payments process can deliver substantial benefits. Migrating to an electronic payment solution can eliminate the bulk of paper processing and drive much needed automation. Cutting-edge solutions, such as Fifth Third Bank's Expert AP, can deliver tremendous treasury efficiency and dramatically improve payments processes.
Focusing On Family Harmony At Two Generations Of Single-Family Offices
Many times conflicts arise and steps need or probably should be taken to ensure smooth running of the single-family office and the family. In effect, striving for family harmony is necessary.
Commercial Card Program in Action: How One Buyer Dramatically Improved Their B2B Payments
As companies look to improve the efficiency of payment processes, commercial card programs present a highly attractive option.
The Future of the CFO
CEOs expect CFOs to see more big-picture, strategic thinking from their CFOs according to a survey from Forbes Insights and KPMG.
China Sets the Stage for Domestic Merger Boom
China's central planner, the National Development and Reform Commission, has set the stage for what could become the biggest theme in China over the next six to 12 months: a surge in domestic mergers and acquisitions.
A Better Way to Do Business: The Growing Adoption of Commercial Card Payments
For the past five years, business-to-business (B2B) commercial card usage in the U.S. has been on the rise.
Corporate Buyers Account for an All-Time High in M&A Deal Activity
With 70% ownership of the total M&A market in the first half of 2017, corporate buyers have been enhancing their place in the market for years.
Are You Ready for Faster Payments? 5 Steps to Being Prepared
Real-time payments are in the works and will be here in the near-term. That's why it's important to take steps now to be ready to handle new payment innovations. Many of these changes will alter the way treasury does business, so now is the ideal time to begin reviewing your processes and technologies in order to stay competitive.
How Retail, Healthcare and Manufacturing Drive the Current M&A Landscape
A supply-demand imbalance trend affects the M&A landscape as a whole, and even more so in specific verticals.
What's New In Cash Flow Technology?
Cash flow technology can help businesses safeguard themselves against fraud.
China's Bonds Are Ready to Join the World Stage
All signs point to the likelihood that the official start date for the Hong Kong-China bond connect program will be announced soon — and it couldn't come soon enough.
All in the Family: The Emerging Role of Family Offices in M&A
Family offices are leaving 'the nest' to fly on their own in M&A.
The Steady March to Digitization: How Corporates are Achieving Payables Optimization
Corporations are under increasing pressure to squeeze every last drop of efficiency out of their payables function in order to free up vital working capital. Read More
Banking Industry Leads the Charge for Faster Payments
Everyone agrees faster payments are a good idea for businesses of every size, but making it happen takes a well-coordinated effort on the part of the banking and payments industry. To make faster payments a reality, three initiatives have been undertaken.
Industry Spotlight Reports
Fifth Third Investment Banking is pleased to provide you with the latest Industry Spotlight Reports. These reports highlight recent transaction and market data as well as key industry trends and analysis.
Don't Try to Predict When Next Recession Will Start
Predicting a bear market can make you famous in financial market circles, but it's certainly not an easy feat.
Selling Your Business: Meet Susan Linson
Banking is a people business. Behind every transaction and number, there's a face, a family and a future. Behind some transactions is the opportunity to help others find happiness as they prepare for retirement.
Making Sense of Corporate Tax Changes
The Tax Cuts and Jobs Act of 2017 is the most significant retooling of the U.S. tax code in more than three decades. This is particularly true at the corporate level, where the thrust of the new code is to help U.S. companies be more competitive globally.
Inheriting The Single-Family Office
As part of the enormous intergenerational transfer of wealth expected over the next decade, single-family offices are being passed down to the next generation. As more and more single-family offices are being established due to the boom in private wealth creation throughout the world, an increasing number of single-family offices will be going to heirs.
The #1 Reason Boomer Owners Are Not Exiting Today
Most owners would exit today if they could achieve financial security, but they know they can't. Are you in the same situation?
Partnering Across Your Organization: Why Effective Working Capital Management Takes a Village
This article details the value and benefits of engaging the entire organization, educating them on what working capital means and how non-treasury areas can actively participate in efforts that will impact the bottom line.
Busting Two Commonly Held Treasury Myths
Myths have a way of creating fear and trepidation. There's nothing like a good myth to keep you from exploring changes that could catapult your treasury operation to the next level of efficiency and influence within your organization. Here we bust two myths with truths that could kick-off the change your supply chain management function has been looking for.
Maximizing Payment Efficiencies to Improve Working Capital Management
As uncertainty around interest rates raises concerns for treasury organizations, the importance of maximizing payment efficiencies with the goal of improving working capital management has become more critical than ever.
Broadcom's Tan Got His Way on Deals; Then He Targeted Qualcomm
Broadcom Ltd.'s chief executive officer has grown accustomed to getting his way, using compromise, more money, sheer force of will—or a combination of all three.
Maximizing Operating Cash in a Tepid Interest Rate Environment
If watercoolers were still the rage, today's big watercooler topic at many corporates would be speculation about what will happen with interest rates in the U.S. After years of historically low interest rates, the Federal Reserve recently raised rates for the first time in nearly a decade.
Real-Time Payments: Promises, Benefits, and Why it Matters
Here in the U.S., we're playing catch up when it comes to real-time payments. Currently, significant efforts are underway to put infrastructure in place to facilitate faster payments in the near future. Numerous countries, including the UK, Singapore, Poland and Mexico have had near-real-time processing for some time now.
Finding a Better Approach to Cash Handling
New payment methods constantly are being introduced and there's significant buzz about what's new. Everything from mobile payments to NFC technology to the transition to chip-enabled cards are trending topics in the industry. The fact remains, however, that for now, cash still is king.
What Are The Behavioral Best Practices Of Single-Family Offices?
These five behavioral best practices are by no means all the ones we have been able to extract from the meta-analytic and ethnological studies. However, they are exceedingly potent and, in many ways, foundational.
3 Lessons Learned From Ikea's Acquisition Of Gig Economy Startup TaskRabbit
The gig economy should be part of every company's growth strategy. How can we lean on the gig economy to make customers' lives easier and better?
Should You Sell Your Mission-Driven Brand To A Larger Company That Doesn't Share Your Values?
Large corporations are buying socially-conscious brands and not everyone is happy about it, including many of those brands' consumers.
What is the Difference Between Same Day ACH and Real-Time Payments? A Treasury Professional Primer
The U.S. payments system has undergone some important changes over the past few years. Consumers and businesses have been clamoring for faster payments, which has led to a push for speedier digital transactions. Same-day settlement was seen as a way to dramatically improve payroll, bill payments and person-to-person transactions.
Faster Payments, Bigger Business Payoff
Faster payments hold tremendous promise for corporates. By reducing the length of time required to recognize a receivable, businesses will be able increase the flow of commerce, while at the same time making it easier to manage vital working capital
From CIO to COO to CEO
Just about a decade ago, I interviewed Greg Carmichael, who had just been promoted from CIO to COO of Fifth Third Bank, about his advice for CIOs interested in following a similar path. Recently, I had the chance to ask Greg about the next leg of that journey, his move to CEO, and how his IT background has positioned him for the top job.
Company Valuation — How ESG Integration Is The Future Standard
Once an underresearched entity in the workplace, ESG integration has become an increasingly valued topic in the discussion of a company's future financial performance.
A Massive IoT Opportunity In Search Of The Right Telco
Just as no one thinks about the electric company until the power goes out, early exuberance for the Internet of Things (IoT) — an umbrella term for devices that use sensors to connect and communicate with the Internet and each other — has focused more on new products and possibilities, and less on the inevitable tedium of managing, maintaining and replacing IoT-enabled devices when they break down at the end of their useful life span.
However, telecommunication companies — with their long-standing ability to connect millions of devices to complex networks — are in a unique position to serve as active partners to commercial IoT customers, whom we expect to propel the IoT market to $470 billion. We see three big opportunities for telcos that know how to target and serve business customers: connectivity, life cycle management and vertical platforms.
Treasury is Evolving to Optimize Payables: Expert AP Powers the Transformation
Today's treasury professionals face a common set of challenges when it comes to payments processing.
Is The United States Ranked In The Top 5 Worldwide For Doing Business?
The World Bank recently released its annual rankings of the best places in the world to do business. Around the world, these annual rankings are watched closely by policy makers and business leaders. They have gained an outsized influence on economic and industrial policy, particularly in the developing world and in those countries where the World Bank is most active.
And yet, it can be argued that they measure the wrong things for the 21st century. Doing Business in 2018 is about investing in talented people and innovation, not low tax rates or minimum regulatory frameworks.
Workforce Trends: How to Create Opportunities in the Labor Force as the Unemployment Rate Dips
Acute labor shortages show up in the goods-producing sectors of the economy, such as manufacturing, construction, and related industries. And employers in the service industry also suffer.
Case Study: Apartment Owners Wire Over $1 Million to Hackers in Business Email Compromise (BEC) Fraud
Email is, quite simply, the most efficient way to conduct billing. And many businesses like ABC use wire transfers for their payments — which is why this type of fraud is one of the most commonly seen today.
Protect Yourself Against Malware
Find out how Malware works and what you can do to protect yourself and your business.
Current Risks, Best Practices
To help mitigate the risk of Business Email Compromise, we suggest implementing the following practices.
Companies Are Tracking Employees to Nab Traitors
Companies are tracking and analyzing employee behavior to protect sensitive company data.
Companies Are Tracking Employees to Nab Traitors
Companies are tracking and analyzing employee behavior to protect sensitive company data.
Case Study: XYZ Construction, Inc.* Avoids Malware-Driven Fraud Loss
Account takeover fraud attacks are extremely difficult to detect when they're in progress. In fact, even antivirus software can miss them. So, the best way to protect against them is through preventive actions.
Case Study: University Suffers Business Email Compromise Fraud - Escapes Loss of Almost $1 Million
Fraudulent emails with updated bank account information may or may not include an attached invoice. In some cases, such as this one, fraud perpetrators send new account details, then simply wait for the vendors to submit real invoices to their clients.
Emerging Markets: Rethinking M&A
McKinsey & Company estimates that more than 70% of global merger and acquisition deals fail … but why is this? We believe it is due, in great part, to a lack of information (or poor information) on the target and the deal.
Keeping a Watchful Eye on the Payment Fraud Landscape: The Never Ending Battle to Protect Corporate Assets
Staying one step ahead of fraudsters is the goal of the payments industry, but this is no easy task. As fast as new payment methods are introduced, new criminal schemes are quick to follow. Understanding your vulnerabilities and fraud risks is crucial in order to develop effective strategies to address this pervasive and persistent problem.
Email Account Compromise Scams Target Customer Transactions
To protect your organization against malware threats, especially those affecting your financial transactions, consider these best practices.
One Time Passcode Provides Another Layer of Protection against Cyber Fraud
Every day, fraudsters around the world target companies like yours, using the Internet in various ingenious ways, aiming to hijack your financial transactions and empty your bank accounts. Cyber crime is organized, growing and responsible for millions of dollars in business losses. So how do you protect your company?
What Does the Price of Crude Have to Do With Your Industry?
A critical step in risk management is taking stock of commodity exposure and understanding how your bottom line could be impacted.
Don't Take the Bait When Fraudsters Go Phishing
Most people have heard of "phishing" schemes, where fraudsters send fake emails to trick recipients into sharing private or financial information and then use the information to commit fraud. Learn how to take preventative measures and protect your business from phishing.
Establishing a Fraud Policy and Oversight Program
Setting up a fraud policy and oversight program is an important step in curbing fraud activity at your company.
One Time Passcode Provides Another Layer of Protection against Cyber Fraud
Every day, fraudsters around the world target companies like yours, using the Internet in various ingenious ways, aiming to hijack your financial transactions and empty your bank accounts. Cyber crime is organized, growing and responsible for millions of dollars in business losses. So how do you protect your company?
Stay Focused on Payment Fraud Risk in 2017
The number of cyber and traditional payment fraud threats continues to grow and businesses are urged to remain vigilant in 2017.
Best Practices in Fraud Prevention
Explore how you can help protect your organization from fraud by implementing these best practices.
Real-Time Network Speeds Payments But Requires Attention to Risk
The new Real-Time Payments (RTP) system holds great promise for increasing the efficiency of companies' payment processes while meeting their customers' demands for faster payments and improved messaging to support digital commerce.
Business Email Compromise - an Internal Concern for Your Business
Many businesses of all sizes fall prey to email hackers every day. And many corporate fraud cases are the result of fraudulent emails being sent between employees of the same company. Learn how to inimize this type of email compromise within your business.
Don't Take the Bait When Fraudsters Go Phishing
Most people have heard of "phishing" schemes, where fraudsters send fake emails to trick recipients into sharing private or financial information and then use the information to commit fraud. Learn how to take preventative measures and protect your business from phishing.
Current Risks, Best Practices
To help mitigate the risk of Business Email Compromise, we suggest implementing the following practices.
Best Practices in Fraud Prevention
Explore how you can help protect your organization from fraud by implementing these best practices.
Fraud Focus - Faster Payments
The latest bank authentication and risk analytics tools and strategies are making it safer for U.S. companies to adopt emerging faster payment alternatives.
Stay Focused on Payment Fraud Risk in 2017
The number of cyber and traditional payment fraud threats continues to grow and businesses are urged to remain vigilant in 2017.
Crafting Your Strategy for Global Currency Fluctuation
Steps to prepare your organization for currency risk.
Check Fraud Still No. 1 Payment-Fraud Risk - Here's How to Protect Your Business
According to the Association for Financial Professionals' 2016 Payments Fraud and Control Survey1, 71% of companies that experienced attempted or actual payments fraud last year were victims of check fraud.
Workforce Trends and Their Impact on Businesses
For any company, there are a variety of factors affecting the bottom line—sales, inflation, the political climate, the economy, and even the availability of great workers. For all leaders, it's important to recognize what's happening in the culture at large and how it influences the microcosm of your organization.
Current Check Fraud Threats to Be Aware of - and Strategies for Responding
As a group, fraudsters can never be accused of failing to innovate. That's a big reason why check fraud — despite being one of the oldest forms of payment fraud — remains a serious risk to companies.
Preparing for the Unexpected: Is Your Business Ready to Weather a Natural Disaster?
Now is the time to ensure your business continuity plan is current, comprehensive and clearly actionable.
Review Your Financial Risks — Beginning with Interest Rate Volatility
After a decade of interest rates near zero, many corporations have opted not to manage, or even consider managing, their interest rate exposure. That philosophy could soon change, either by choice or dictated by market imposed volatility. Learn more about Financial Risk Management.
Take These 9 Steps Early To Make The Most Of Your Company's Regulation A+ IPO
The primary risk and expense in a Regulation A+ offering is the marketing outreach to bring investors to your offering, so this article focuses on ways that you can make the marketing of your offering less costly and more likely to succeed by using the time between now and when your offering goes live to proactively prepare.
The Latest Malware Threats and How to Respond
Malware developers never rest — it's a 24/7, global industry dedicated to stealing funds from the bank accounts of unsuspecting companies and individuals.To protect your organization against malware threats, especially those affecting your financial transactions, consider these best practices
Chip Cards Projected to Shift Fraud Risk to Card-Not-Present Transactions
As card fraud becomes harder to commit at the point of sale due to the protection that the more secure EMV technology affords against card counterfeiting, some analysts are forecasting an increase in card fraud related to online and telephone purchases —so-called card-not-present transactions.
Fighting the Growth in Card-Not-Present Fraud
With the U.S. adoption of EMV chip cards, businesses heaved a brief sigh of relief, as the technology added another layer of protection against fraud by reducing the risk of card counterfeiting. However, as expected, in the wake of chip card adoption, there has been an increase in card-not-present (CNP) credit card fraud in online and telephone transactions.
How to Make Your Supply Chain Pay Dividends in Working Capital
With supply chains, goods and services are exchanged in short time intervals, creating an opportunity for optimization. The right partners, tools and management in place can help reduce costs and increase capital through payments and receivables.
Project Risk Management: 10 Surprisingly Brilliant Tactics to Reduce Risk
Every project has some risk of failure. Identifying and planning ahead to avoid these points of failure is one of your top responsibilities. This guide on project risk management will help you understand and manage risks better.
Building a Borderless Strategy for your Global Payments Process
With technology and regulations shifting the global business landscape today, companies seeking to broaden their reach and expand to new geographies require a payments infrastructure. Companies pursuing a "borderless" strategy must address a number of logistical and strategic challenges if they hope to thrive in new markets and edge out global competitors.
Digital Transformation for the Middle Market Business
With rapid technological advances profoundly altering consumers' preferences and priorities, achieving and maintaining a high level of digital agility is no longer optional for mid-size companies striving to be competitive in a global marketplace.
Asset-Based Lending in Capital Intensive Industries
Capital-intensive enterprises that deal with heavy expenditures or substantial working capital outlays are increasingly turning to asset-based lending (ABL) to alleviate the pressure on their balance sheets. Employing assets such as inventory, accounts receivable, and equipment as collateral helps enable freight movers, heavy equipment manufacturers, fleet buyers, and auto dealers to secure funding while preserving resources for other financial goals.
'Growth Hacking' for Mid-size Companies: Why M&A is the Real Key
The startup world provides plenty of inspiration. "Growth hacking" is one example: The strategy is to lead with a "growth hacker" mindset – maintaining an absolute commitment to growth at all costs. But the answer, especially for mid-market companies, depends on what kind of growth really matters.
Voice Interface Technology: The Future of Business
One in six U.S. adults owns a voice-activated smart speaker or device. We are already seeing the benefits of this in our homes, so what could voice interface technology do for our business?
Equipment Purchasing: Taking the Strategic View
The decision to purchase or replace a piece of large equipment should be part of a company's larger capital expenditure strategy.
10 Things Customer Success Leaders Do for Their Clients
Customer service means customer success these days, and as the field grows, more roles for leadership open up. Customer success leaders need strong visionary and management skills, but leadership encompasses many vital components when it comes to serving clients.
Win-Win Supply Chain Negotiation
Many businesses overlook a viable opportunity to achieve such goals: an open, honest, and mutually beneficial negotiation with suppliers.
Building an Intelligent Global Payments Infrastructure
With the wrong strategy, cross-border payment costs eat into revenues. To arrive at an infrastructure that fits your needs, consider both the scope of your operations and the global forces at pl
How Middle Market Companies Can Approach Buy-Side M&As Confidently and Strategically
With expectations that the economy will remain strong, many middle market companies increasingly view a merger or acquisition as a potential vehicle for growth.
Knowing Your Options for Mitigating Tariff Risk
Responding to tariffs requires companies to forecast for an undefined period, and the full effects won't become apparent until tariffs are annualized in a new budget season.
Contextual Commerce is the Next Evolution of E-Commerce
So as buying behavior gets more immediate, providing instant-purchase ecosystems—eliminating the clicks and navigations that dull consumer ardor—will radically reduce the time between discovery and conversion.
How to Start a Corporate Philanthropy Program
Create a corporate philanthropy program to help guide your decisions about what causes your company should support, why they matter and what resources you can make available.
How Bots Can Optimize Money Management for Your Business
Growing adoption of virtual payments, cryptocurrencies, and cloud solutions is making money more digital than ever. Yet there are still plenty of friction points when it comes to how companies manage finance internally.
The Other Recovery: Opioids and the Business Community
For companies struggling to fill key positions, 'Second Chancers' are proving to be a first-rate solution
Infographic: Opioids in America
For companies struggling to fill key positions, 'Second Chancers' are proving to be a first-rate solution
How Imported Commodities Impact Every Industry – Even Yours
For those companies and industries that aren't directly involved in the commodities markets, there can still be significant impact.
How to Incorporate Cyber Security into the Fabric of Your Business
In today's interconnected and tech-reliant marketplace, cyber breaches are a major concern for companies of all sizes across virtually all industries.
Is Plastic the Future for Digital Payments?
Although many view payment via smartphone as the future of digital payments, both online and at the point of sale, some digital payment leaders now seem to be taking a step back from the digital revolution.
Faster, Smarter: How to Enhance Your Customer's Payment Experience
Understanding the importance of the customer experience is key for any organization that wants to deepen customer relationships and assume a leadership position in the payments space.
New Report: 70% Of Finance Execs Believe Cryptocurrency Is Here To Stay
A report released by consulting firm Greenwich Associates says that over 70% of institutional finance executives surveyed believe that cryptocurrency will have a place in the future of the industry.
Where Banks Can Boost Transparency in Payments
The levels of transparency are inconsistent in the digital payment space, especially in cross-border payments. Payments can be delayed because of a regulatory issue, a sanction query or a potential fraud alert.
How Automated Validation Can Help Achieve Business Goals
The payments process is the beginning of so many important parts of good business. But one of the major pain points to leveraging these benefits is validation and reconciliation. Automation can help make the payment process more efficient.
Five Strategies for Successfully Onboarding a New Payments Solution
Determining which new payments solution is best suited to the unique needs and goals of your business is important—but it is also only the beginning of the process. A successful implementation is equally vital.
Selecting a New Payments Solution? 5 Considerations for the User Experience
Implementing new payments technology can potentially help companies stay agile, competitive, and aligned to consumers' expectations of speed and reliability.
Is Community Solar Right for my Business?
As prices decline and sustainability issues gain further traction in the public consciousness, nearly half of all U.S. electricity customers plan to embrace solar power in the next five years.
How Tax Reform May Impact Your Equipment Financing Strategy
The Tax Cuts and Jobs Act included some changes in financing equipment purchases that may lead your business to revisit its strategy.
6 Trends Changing Solar Financing
Buoyed by new cost-reducing technologies and government incentives, the solar energy industry is enjoying it's time in the spotlight.
All About Equipment Financing
A key issue for many companies is how to best obtain the equipment their business needs to operate and to grow.
3 M&A Trends Middle Market Companies Should Be Watching Closely
Strong job growth and rising interest rates are not the only signs that the United States economy is humming along nicely: There is also record-breaking merger and acquisition (M&A) activity in North America.
Protect Your Sensitive Data in A Risky Landscape
For any technology company, hardware, equipment, and digital technology are gateways for hackers and adversaries to launch a cyber-attack and compromise sensitive data and information.
How Community Solar can Benefit Business
Community solar is a pioneering model that enables everyone to reap the rewards of clean electricity, by pooling their resources.
How Financial Sponsors Elevate the Deal Process
While the term is becoming more familiar for business owners, it's important to understand the use case of seeking a financial sponsor. We take a look at key impact a financial sponsor can have during an M&A.
Anatomy of a Best-in-Class Fraud Prevention Strategy
Data breaches cost companies $3.6 million on average in 2017. You'll need to leverage a number of resources and technology to mitigate your business's exposure to that number.
Negotiate to Improve Supply Chain Working Capital
The art of negotiation with your suppliers can produce better terms and prices, thus fostering more working capital for your business, stronger strategic relationships and a competitive edge.
Your Guide to Business Asset Protection
In today's integrated business environment, leaders must take a holistic approach to asset protection — one that guards against both traditional evergreen risks and new, ever-evolving threats.
Which States are Leading in Community Solar?
Community solar is bringing the power of the sun to the masses. It enables groups of local businesses and residents to reap the rewards of clean electricity without the need to install panels on their roof. At least 19 states have picked up on this trend, here's a closer look at four states leading the pack.
How a Blockchain Payment Processor Can Improve Industry Transactions
Now that companies are using blockchain to work in different areas, like supply chains, there's both a flow of money going in one direction and a flow of goods in the other. And linking the flow of goods and money becomes extremely important.
Vertical Integration Is Picking Up Speed in the Technology Space
Vertical integration—the strategy of acquiring businesses that tangentially support your operations—is becoming the modern day choice for tech-sector businesses seeking to streamline processes, increase profits, gain market edge, and avoid finding themselves at the mercy of forces outside their control.
Seeking a Buyer? These Are the Metrics You Should Focus On
As you aim for an acquisition, potential buyers will also want to know more about specific KPIs that highlight what they deem important. Understanding what metrics acquirers pay attention to is a critical step.
Equity Financing for the Highly Leveraged Business
With low financing costs and low refinancing risk, the returns available from growth have often been far in excess of the cost of debt no matter the credit profile of the business.
Cash Flow vs Asset-Based Lending: Which Is Right for You?
Both cash flow lending and asset-based lending have their place in fulfilling business borrowing needs. Each can be appropriate in different situations.
The Difference Between Venture Capital and Private Equity
While the lines between private equity and venture capital do blur, these kinds of private investments tend to vary in company type, investment scope and exit strategy.
How to Manage Cash Flow with a Long Sales Cycle
A disruption in cash flow can cost a business far more than the dollar amount owed. In fact, according to a CB Insight research report, more than a quarter of startups fail in part because of such issues.
Why Currency Risk Management Is Necessary for Your Domestic Business
Though U.S.-based companies that only buy and sell domestically in U.S. dollars may assume there is no need to manage currency risk, market movements may prove a more immediate concern than presumed.
Today's CFO: Less Bean Counter, More Strategic Advisor
The role of the CFO has undergone significant transformation in recent years, allowing companies of all sizes to be more strategic about operations and growth.
The Next Era of CDH: How Mobile Unlocks New Advantages
As HSAs and other CDH options become increasingly central to the fabric of HR and benefits administration, overall healthcare spending for companies and consumers could potentially be lowered. The catch? These plans can't cut costs for anyone unless employees actually use them.
Lease, Borrow or Pay Cash: Capital Expense Considerations Post Tax Reform
If you're looking to update equipment or improve your facilities in the coming year, it's important to recognize that the tax reform signed into law in late 2017 included several key provisions aimed at encouraging company reinvestment.
Ensure Business Success in an Acquisition
Mergers and acquisitions (M&A) can be a great, effective option, but a staggering 70% of mergers fail to increase shareholder value. So how can you prepare for a successful merger?
Industry Focus: FASB and the New Leasing Requirements
The ASC 842 rules change how operating leases are reported and how lease data is captured. Here's a look at how these changes might impact specific industries.
Mapping the Customer Journey for Contextual Commerce B2C
Contextual commerce eliminates the extra steps—allowing customers to convert right at the point of discovery.
Mapping the Customer Journey for B2B Contextual Commerce
The popularity of buying in-the-moment isn't limited to the B2C world. B2B leaders are seeking to follow suit, but the customer journey looks a lot different for B2B buyers than for everyday consumers.
How Leasing Standards Will Change Under the New FASB Requirements
Traditionally operating leases were mere footnotes in the financial statement, with limited impact on the liabilities assessed by investors and potential creditors.
Financial Metrics for Exiting Your Company
As you get closer to an actual acquisition event, focusing on key metrics will ensure you get the best valuation for your business—and a deal that makes sense for you.
The Entrepreneur's Guide to Exit Options
If you have a sense of your ultimate goal, you can more effectively plan for it and operate the business accordingly—even if your horizon is decades away.
The Link Between Cash Flow and Your Sales Cycle
With a longer sales cycle, it can be tough to reach profitability and manage business necessities between sales. Key strategies for managing cash flow can help the business run more smoothly.
4 Key Phases of Successful Employee Wellness Programs
More and more, businesses are offering incentives to their employees to get their health in order—and employees are starting to expect it! Not only can an effective and engaging wellness program benefit your employees, it can benefit your entire business.
Mobile Payments and Finance Should Accompany a Tech Revolution in the Back Office
Many executives don't realize that the largest opportunity for digital transformation is actually behind the scenes—beginning with the back office.
Retaining Talent During Mergers and Acquisitions
Business mergers and acquisitions bring a combination of excitement, opportunity, and transition. Here's how to retain employee talent along the way.
How Companies Address Skilled Labor Shortages
Industries are struggling to employ and expand workforces of skilled laborers. Learn more about how businesses are responding to skilled labor shortages.
Recruiting, Empowering, Developing and Retaining Diverse Talent
Not only is recruiting diverse talent the right thing to do, but it makes good business sense as well.
Automating Accounts Payable Processes to Drive Efficiency, Cut Costs, Improve Controls and Reduce Fraud
Sibcy Cline, the largest real estate broker in the area, still relied on paper checks for much of their payment processes. Fifth Third Bank worked with them to find a solution.
Six Tech Trends Shaping Commercial Real Estate
From property development to renovating existing structures, technology is greatly impacting the growth of commercial real estate. Learn about the top six trends and how the commercial real estate industry is expected to grow.
Telemedicine Market Ripe for Growth
Half of U.S. hospitals now use some form of telemedicine, also known as virtual health care technology. Devices such as two-way cameras allow specialists to remotely interact with patients. Find out more about this investment opportunity and discover the reasons for growth in this area.
Shopping Malls Rethink Their Business to Survive
As the shopping habits of consumers continue to change with technology and trends, shopping malls are faced with the threat of closure. Find out what mall owners and commercial real estate companies are doing about it.
The Real Opportunities in Opportunity Zones
The 2017 Tax Cuts and Jobs Act created a new program for those seeking to shelter capital gains. Learn more about the option of reinvesting gains in Opportunity Zones (OZ) through Qualified Opportunity Funds (QOF) and the many potential tax benefits that go along with these investments.
Why Providers and Investors Are Paying Attention to Medtail
Medtail is defined as the trend of medical offices leasing space in retail centers. Learn more about this shift that is allowing healthcare providers to be closer to their patients' homes and offices—and why investors are paying attention.
Senior Housing and the Labor Crunch: How to Find Workers and Compete on Labor Costs
Senior housing facilities are having a hard time finding skilled workers due to an acute labor shortage and other factors. Here's what providers can do to stand out and attract potential new hires.
The Bottom Line Benefit of Retaining Your Top Employees
When small companies retain their best talent, they save money in recruiting and training costs and boost overall morale. Many experts believe small companies should aim for an 85 percent retention rate on a year-by-year basis. Here are strategies to keep employees over the long term.
The Electric Vehicle Boom is Coming
The demand for electric vehicles is growing among both consumers and business owners globally. The opportunity to help reduce greenhouse gas emissions if one factor. Find out what else is fueling the EV boom.
Virtual Reality is Here to Stay
The use of virtual reality is growing among a variety of architectural firms, as it can play an important role in all phases of the design-to-construction process, from assessing design options to resolving potential construction issues before breaking ground.
Will Medical Algorithms Replace Doctors?
In healthcare, medical algorithms aid in the diagnosis, treatment, and care management of patients. Algorithms help remove uncertainty and improve the efficiency, accuracy, and speed of decisions that doctors make. The question is, will algorithms replace doctors?
Physicians Taking Steps to Increase Patient Loyalty and Revenue
As patients are faced with higher monthly premiums to keep health insurance affordable, they're more carefully choosing where their healthcare dollars go. Here's how physicians are meeting this challenge and finding new ways to create value for patients and win their loyalty.
Tips to Consider Before Buying or Selling a Professional Services Firm
Before buying or selling a professional services firm, it's crucial that buyers and sellers are properly prepared. Learn more about the steps that both sides should take in order to ensure that an M&A transaction goes as smoothly as possible.
Trends Shaping the Future of Dental Practices
Dental practices and individual dentists are facing a lot of challenges today. However, there are trends that have proven to lead to a future of long-term success in this industry, from the rise of Dental Service Organizations to online marketing techniques.
Trends Transforming Transitional Rehabilitation Therapy
Demand for transitional rehabilitation care continues to rise in the U.S. To meet the increasing demand, rehabilitation centers and home healthcare companies are turning to technology.
The Concierge Doctor Will See You, Immediately
Concierge medicine can be an alternative model for doctors who are stretched thin to high patient loads and patients who seek more personal care – and have the means to pay for it.
Women-Owned Businesses: How Certifications Can Help Land More Business
Certifications such as the Woman-Owned Small Business (WOSB) or the Women Business Enterprise (WBE) can help women entrepreneurs grab the brass ring of public or private contracting dollars. Learn more about the certification process and the opportunities available to women-owned businesses.
Urban Warehouses: What's Old is New Again?
Top e-commerce retailers have experienced a high consumer demand for expedited deliveries. These retailers are responding to this speedy demand by repurposing obsolete urban industrial buildings into warehouses. Learn more about this trend.
Serving Up a Brighter Future by Reducing and Recycling Food Waste
An estimate by the National Resources Defense Council calculated that 40 percent of all food in the U.S. is never eaten—and that waste costs companies billions of dollars. Find out what businesses are doing to fight food waste.
The Opportunities and Risks in Tariff Engineering
Protect yourself against suppliers offering tariff reduction strategies. Read more about opportunities and risks in tariff engineering with Fifth Third.
Patients, Providers, and the Advent of Telemedicine
Telemedicine is bringing seismic change to the healthcare industry. The rise of virtual care is leading to lower costs for providers, improved treatment for rural hospital and elderly patients, and others. Learn more.
Financial Strategies for Successful Medical Practice Management
With patients taking a proactive role in the changing healthcare environment, it is important that practices invest in data analytics, marketing and staffing to deepen patient loyalty and increase profitability. Making improvements may require financing—find out what options to consider.
Millennials and Gen Z: What They Mean for Your Organization
Did you know that Gen Z and millennials represent close to half of the U.S. population? Learn about the priorities of these generations and what this means for your organization regarding strategies for recruitment, employee flexibility, workplace culture, and more.
Healthcare Providers Look to Ease Their Way into Value-Based Care
Healthcare providers from medical practices to hospitals are shifting to a value-based care model that utilizes alternative payment models (APMs). Find out how this will affect the healthcare industry.
Is a Board of Directors Right for Your Private Company?
Unlike publicly-held companies, private companies are not required to have a board of directors. However, having the influence of an industry-savvy board of directors could lead to greater success. Here's what to consider in your board.
Five Ways to Use Property Management Technology
Property management software has been around for several decades, but are you confident you're using technology as well as you could? See if your tools measure up with these five key considerations to run your business efficiently and deliver a convenient experience for customers.
On the Cusp: Algorithms Can Decrease Health Care Variability
Electronic medical records have led to a boom in healthcare-related data. The use of medical algorithms based on this data by health care organizations is on the rise, helping medical professionals improve diagnoses, decrease variability, and contain costs. Here's what you need to know.
Managing Liquidity: Why You Should Revisit Your Strategy Today
In the current time, it's in your firm's best interest to refocus attention toward your liquidity strategies. Learn more about the shifts that are occurring, as well as how to help stabilize capital in order to be in a better position for weathering future liquidity events."
Medtail Is Just What the Doctor – and Developer – Ordered
Medtail is a new trend of medical practices re-locating to retail environments. It's beneficial to developers of retail properties, as well as medical professionals and patients. Learn more about this trend and the many opportunities it offers for developers of commercial real estate.
Organic Produce Proves a Fertile Garden for the Food Sector
This rising consumer desire for organic produce is causing companies in the food sector to expand and update their operations to keep up with demand, which is expected to continue growing. Learn about the effects of this development.
How Manufacturers Can Reap the Benefits of Green Energy
The trend toward renewable energy is becoming more feasible and affordable to companies across the U.S. By embracing sustainability practices, businesses are reaping the benefits of green technology. Learn how to get started on going green.
Law Firms Use Technology to Gain Competitive Advantage
Attorneys and law firms are using the latest technology to improve efficiencies, deliver a better client experience and gain an edge on the competition. Find out how you can use tech at your practice.
Micro-Hospitals: A New Evolving Trend
To expand health care presence and increase consumer convenience, health care systems are now opening small facilities called micro-hospitals. Scaled down in scope as compared to full-service hospitals, these facilities can provide big benefits to patients, providers, and insurers. Learn more.
Millennials' Next Move: Management
Millennials are now the largest generation in the U.S. labor force and are making the natural progression into management roles. Learn more about how their approaches to work have begun to reshape the workplace in corporate culture, new approaches to processes and procedures, and more.
Bigger Than the Internet? Blockchain's Impact on Food and Other Industries
Interested in learning about blockchains? By definition, blockchains facilitate the process of recording transactions and tracking assets in a business network. Learn how this technology trend is greatly impacting food companies and firms by expediting settlement times, reducing operational costs, increasing visibility, and more.
Auto Suppliers Use Strategic Financing for New Equipment
Do you know the trends currently affecting the auto industry? Artificial intelligence, alternative fuels, and fuel efficiency are the top three. Learn how auto suppliers are obtaining new equipment by responding with strategic financings, such as leasing.
Energy Storage: Changing the Landscape of Electrical Power
Energy storage devices are transforming the electric power industry by providing cost-savings solutions for businesses, utilities, and grid operators. Learn more about this increasingly reliable and affordable technology.
Can Payment Efficiencies and Fraud Protection Coexist?
Interested in equipment leasing? Electronic payment tools help add efficiencies in lessee payment processes while improving fraud protection. Learn more.
Baby Boomers Drive Changes in Seniors Housing Market
Driven by medical advances and healthier living, baby boomers are expected to enjoy longer lives than previous generations of seniors. What does this mean for the seniors housing market? New trends such as lifestyle communities are emerging. Learn more.
B Corps: A New Vision for Profit and Social Change
B Corps are for-profit companies certified by B Lab (an independent non-profit) to meet rigorous standards of social and environmental performance, accountability and transparency. Learn more about how these companies are profiting while causing social change.
How to Establish, Maintain or Refresh Employee Resource Groups
Companies in virtually every industry have seen benefits derived from ERGS. Also known as Employee Resource Groups, these think-tank type groups offer employees an opportunity to network, receive support, and address common concerns. Learn more.
Data Analytics is Reducing Healthcare Costs
Healthcare data analytics are quickly adding value to a variety of hospitals, medical practices, and health systems. This data is used to improve consumer experience, growth initiatives, and healthcare cost reduction. Read more about this trend.
Chicago: Incubator for the Incubators
Chicago continues to cement its reputation as a tech and innovation hub. Read more about this city's recent crop of incubator innovations revolving around focus, digital solutions, and unique public/private partnerships.
Architectural Outlook for 2019
Have you heard of the interactive wall paint trend? Technology is transforming the architecture, engineering and construction (AEC) industry in many ways with trends from drones to smart homes. Learn more in this architectural outlook for 2019.
4 Factors That Differentiate Great Corporate Banking Partners
There are many factors to consider when exploring corporate banking options. From bank size to professional capabilities, learn more with Fifth Third Bank.
Email Etiquette is Key to Building a Successful Business and Respected Brand
Email remains the most dominant forms of communication in professional settings. From proper email structure to double checking grammar, here's how to ensure your company understands and utilizes email etiquette.
Generation X: Why the Smallest Workforce Generation May Be the Most Powerful
Gen X's impact on workplaces represent the value this group of employees bring to organizations, and why they may be the most powerful in the workforce.
Finding the Unbeaten Path in Commercial Real Estate
Today's real estate market presents an variety of commercial real estate investment opportunities. Learn about commercial real estate with Fifth Third Bank.
4 Reasons Why You Shouldn't Check Your Portfolio Every Day
How often do you check your investment portfolio accounts? It turns out that managing your investments doesn't need to be done daily - and here's why.
Everything You Need to Know About 1031 Exchanges
What is a 1031 exchange? If you plan on investing in commercial property, here's everything to know about 1031 exchanges with Fifth Third Bank. Read more.
Don't Let Your Portfolio Drift Off Course
It's time to review your investment portfolio - do you know what to look for? Here are tips on how to manage investment portfolios with Fifth Third Bank.
Finding the Right Fintech Partner Amid the Innovation
Fintech has grown into a industry that impacts many companies. If you're looking to expand your business, here's how to find the right fintech partner.
How to Finance Your Growing Business
From budgeting expenses to reaching new markets, here's how to finance your growing business for long-term growth. Learn more with Fifth Third Bank today.
Wearable Tech: The Latest in Warehouse Changes
Wearable technology is taking warehouses and modern workpalces by storm. From smartphones to smartwatches, here's the latest in wearable tech trends.
Machine Learning: A Promising Anti-Fraud Tool with Some Caveats
What are the benefits of machine learning and how does it work to combat fraud? Here's what to know about machine learning and its anti-fraud benefits.
Commercial Real Estate: 2019 Trend Watch
Whether you're a seasoned investor or curious business person, learn about the developing commercial real estate trends for 2019 with Fifth Third Bank.
How to Create an Efficient Accounts Payable Process
The key to a successful accounts payable process is creating an efficient one. Read how Fifth Third Bank incorporates automated payable tactics for teams.
Data Analytics Influence Price, Underwriting for Insurance
As the insurance industry evolves, big data continues to influence insurance pricing, underwriting processes, and developing trends. Learn more today.
Customs Brokers: A Primer on How to Protect Your Business
As the global marketplace continues to develop, the benefits of customs brokers increase. Learn how customs brokers can help business and supply chains.
How to Optimize Logistics for Your Agribusiness
Are today's farmers missing out on additional revenue? Learn how farmers can optimize logistics for agribusiness and enhance income with Fifth Third Bank.
Working with Real Estate Private Equity Funds
Most real estate private equity funds are fairly similar, but no two funds are alike. Here are tips on how to work with real estate private equity funds.
5 Ways Businesses Can Tap Into Sustainable Energy
Businesses are becoming more aware of their environmental footprint, and there's room to improve. Here are 5 ways businesses can tap sustainable energy.
Infographic: Working with Real Estate Private Equity Funds
Considering working with real estate private equity funds? Learn about the four sources of capital, updated percentages, and more with Fifth Third Bank.
Cobots Could Help Boost Manufacturers' Productivity and Profits
How do cobots impact manufacturing and influence increased productivity and profits? Read how cobots are used in manufacturing and their benefits today.
Why Cybercriminals are Targeting SMBs
Why are cybercriminals targeting SMBs? Cybercrime continues to impact small and medium-sized businesses, and here are a few reasons why. Learn more today.
Solutions for Challenges in Receivables Landscape
Ecommerce and receivables markets are working to solve common challenges in accounts receivable management. Learn about receivable challenges and solutions.
The Urgent Importance of Cybersecurity in Healthcare
Learn about the importance of cybersecurity in healthcare and how it's a key factor in protecting doctor and patient information with Fifth Third Bank.
A Systemic Approach to Corporate Risk Management
Systematic risk management helps corporations manage risks and analyze solutions. Learn about the importance of corporate risk management with Fifth Third.
How to Make the Most of Low-Volatility Investments
What is low-volatility investing and how does it work? From low-volatility investing best practices to potential pitfalls, learn more with Fifth Third Bank.
Tips for Hiring High-Performance Executive Leaders
If you're looking to expand your company's leadership team, there are important steps to consider when hiring executives. Learn more with Fifth Third Bank.
Maximizing Falling Interest Rates to Raise Capital
Lower rates might be coming back in style. Learn more about interest rate trends and how to maximize falling interest rates to raise capital.
How Food Incubators Support Innovation
Food companies continue to improve their way of supplying and delivering fresh foods to meet market demand. Learn how food incubators support innovation.
Expanding the Opportunity for Solar Growth in Illinois
Businesses in Illinois can save money by utilizing solar energy. Learn more about renewable solar energy programs, such as the Adjustable Block Program.
Illinois Adjustable Block Program Snapshot
The Adjustable Block Program is a new incentive program that sets the stage for more solar power growth in Illinois. Learn more about solar energy today.
What's Next for Merchant Services?
How can merchants take advantage of new business opportunities for efficiency and growth while giving users a competitive edge? Read more with Fifth Third.
What Capitalized OTT Video Means for Media
Over-the-top (OTT) video is making a new name for itself among major media companies. Here's what well-capitalized OTT means for digital media industries.
Why Raising The Minimum Wage Is The Right Thing To Do
Will raising the minimum wage leave a positive or negative impact? Many opinions differ - read how minimum wage may (or may not) be the right move.
How to Navigate the New Era of Data Regulation
Recent GDPR requirements may impact business compliance practices and data regulation. Learn more with these common questions for data regulation trends.
What Candidate Experience Means in a Tight Labor Market
While low unemployment rate is good, the labor market is the tightest it's been in 50 years. Learn what candidate experience means in today's job market.
Sibcy Cline Testimonial
The treasury team at Sibcy Cline knew that relying on paper checks was an issue. It exposed the company to a greater risk of fraud, delayed payments and higher payment processing costs.
To address these concerns, the team decided to automate payments with Fifth Third Expert AP. Read the case study to learn how Fifth Third seamlessly integrated electronic payments into the company's accounting system.
LIBOR, Banking Partners, Treasurers Plan for Change
Learn how banking partners and treasurers can work together to prepare for changes with LIBOR. Read more about LIBOR trends and finances with Fifth Third.
Automating Enterprise and Treasury Management
Treasury management systems are often partially automated, which impacts the success of enterprise risk management. Here's how the two can be linked.
Balancing Risk Management and Volatility Reduction
Volatility is a key variable when calculating the cost of risk management for business. Learn what steps you can take to help manage risks efficiently.
How to Approach Financial Risk Management
From economic volatility to current financial risk management strategies and tools, here's what to know about risk management factors for your business.
How Economic Development Tools Help Food Companies Expand
Consumer packaged goods make up one of the largest industries in North America. Here's how economic development tools are helping food companies grow.
The Big Target for Cyber Crime? Your Company's C-Suite
A company's C-suite is among the most vulnerable for cyber crimes. Here are ways to protect the cyber security of company executives with Fifth Third Bank.
How Cities Can Attract New Projects with Creative Public Financing
City officials are thinking of new ways to bring new projects to local areas through creative public financing strategies. Learn more with Fifth Third.
Paving the Way for a Successful M&A Close
As of October 2019, more than $3 trillion in global mergers and acquisition transactions have closed in 2019. Learn more about M&A trends and projections.
How the End of LIBOR Affects Banks, Borrowers & Investors
The end of The London Interbank Offered Rate is near. As LIBOR rates become a thing of the past, here's how banks, investors, and borrowers are affected.
How to Protect Financial Data During Mobile Transactions
Consumers use mobiles device to make payments for mobile banking, shopping, and more. Here's how to protect financial data when making mobile transactions.
4 Ways to Prepare Your Business for Global Transactions
B2B companies need to ensure their business models reach international audiences. Here are 4 steps to prepare your business for global transactions.
Preventing CEO Fraud: How to Avoid Business Email Compromise Attacks
Business email compromise (BEC) attacks are targeted towards businesses and CEOs. Here's how to prevent email fraud for your business and employees.
What the Most Tech-Savvy Employees Don't Know About Phishing
Are your employees educated on phishing scams? Regardless how tech-savvy your team is, here are things to know (and be aware of) about phishing.
How Supply Chains Could Affect Food Labels
Food supplies are presented with opportunity to attract customers based off product labeling and design. Here's how supply chains could affect food labels.
How to Build an Engaged Workforce: Focus on Employee Experience
From recruiting and retaining top talent, employers are seeing the benefits of experienced employees joining their team. Read more with Fifth Third Bank.
4 Ways to Make Your Financial Forecasts More Accurate
Companies rely on forecasts to plan budgets, estimate staff needs, organize their supply chains, and more. Here's how to improve your financial forecasting.
How FinTech is Infiltrating New Areas (and Creating Opportunities)
The advancement of fintech is making its way to new industries and areas of everyday business. Here's how fintech is creating new technology opportunities.
Fintech: Is the Tide Turning?
The number of fintech companies in the U.S. has greatly expanded in the last decade. Along with this comes fintech trends and developments. Learn more.
5 Ways Mobile Technology Helps Manage Your Workplace
Technology helps businesses use their mobile workforce in more creative, efficient ways. Learn how mobile technology helps manage workplace communication.
How Payer-Provider Collaboration Is Helping to Change Healthcare
As the healthcare industry continues to evolve, payors and healthcare providers are finding new ways to collaborate. Here's what to know with Fifth Third.
The New Face of Suburban Office Parks
Business real estate in major cities has skyrocketed in pricing sending many companies out into the suburbs where the cost per square foot is drastically lower.
Insuring the Deal: Representation and Warranties Insurance in M&A Transactions
Representation and warranties insurance (RWI) has emerged as an increasingly popular transaction risk management tool in M&A. Learn more with Fifth Third.
Building an Advisory Board for Your Business
Assembling an experienced, thoughtful panel of executives for your business can help business growth and leadership. Here's how to create a dream board.
How to Approach Supply Chain Risk During Pandemics and Disasters
Supply chains constantly fluctuate based off consumer demand, but how does this change during a pandemic or disaster? Read more with Fifth Third Bank.
5 Ways to Connect with Customers During COVID-19
COVID-19 magnified how businesses can enhance customer interactions. Here are 5 ways to keep in touch with your customers in the midst of a pandemic.
The Expanding World of Trade Wars
International trade conflicts with the U.S. affect businesses of all types. Here's how to stay informed on conflicts where trade tariffs are the new normal.
Productivity at a Distance: The Future of Remote Work
As more employees are finding themselves working from home, Fifth Third Bank analyzes how the future of remote work will change as technology advances.
Sustainable Packaging Trends: Green and Growing
As consumers and brands continue to focus on environmentally friendly products, we're beginning to see an increase in green packaging trends. Read more.
Fifth Third Bank is committed to sharing new and innovative ways to help your business to continue to grow.
The Technology Behind the Best Retail Experiences
Discover which retail technologies are becoming important online retailers that use it to attract new customers and increase sales and conversions.
How Businesses Are Reducing Single-Use Plastic
Staying environmentally friendly is an important aspect of business when it comes to types of packaging. Here's how businesses can reduce plastic waste.


text:
AS WE GATHER What are your favorite teams? Often we love our teams so much we feel as if we are part of the team. Their victories are our victories; their losses, our losses. As we continue our series on God with us, we are reminded that we rejoice and celebrate the victory we have with Jesus.
Winning With God
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subset: commoncrawl


text:
Lately, I've been asking people for feedback on Patreon using the poll feature. Guess what? It's been *awesome* – I can't read people's minds and being able to get some stats about what people like, don't and what direction I [Read more…]Read more
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Public Beta of Princess of Persia Starts Today
Happy Thursday! Today, I'm allowing everybody to check out the public beta of Princess of Persia. Thoughts? Opinions, good, bad indifferent? Give it a play through here in the latest public release. I need to work on the following: adding [Read more…]Read more
Coffee Shop Encounter, a Seven Day Simple Adult Game
Last year, I made this game but the post was corrupted, so I'm rewriting and adding back some information about my first Ren'py game, (mega download link – Coffee Shop Encounter.) The characters you'll see are the same ones in [Read more…]Read more
Princess of Persia Early Beta: Patreon Exclusive Update
For supporter's of $1 or higher, I've released an early version of Princess of Persia. The latest supporter rewards are also out, including an image set and animation that will more than likely be part of the Captain Hero Game. [Read more…]Read more
Captain Hero and the Current Project
I realized that I haven't posted here (but on Deviantart) about my project that I've been working on for the past few months. Princess of Persia is still going, but, I'm mostly rendering and working on game mechanics and things [Read more…]Read more
Crush on Candy is now on Play Force One!
The best, most amazing adult gaming website just re-syndicated my game to their incredibly huge audience. It's a humbling experience and wow, I'm impressed the server didn't melt completely. Over the last 24 hours, I've had more than 14,000 visitors [Read more…]Read more
New Game, Tasha's Power Trip, Just in Time for Xmas :)
Since the game has been out for a week to patrons, I thought I'd give the public an early xmas present. Today, Christmas Eve, you can play Tasha's Power Trip, a short lesbian adult game with five unique endings. When [Read more…]Read more
Tasha's Power Trip, a new mobile and browser game coming soon
Tis the season…after my web based game, Crush on Candy, did so well I decided to make another one while troubleshooting and writing for Princess of Persia. If you support me on Patreon, you've already got access to the game [Read more…]Read more
Crush on Candy, Adult Mobile / Browser Game, Updated
Instead of posting new, I decided to simply update the existing post. It's been a few weeks, a holiday for those of us in the US came and went and now, there's an update to Crush on Candy. What's new? [Read more…]Read more
Mobile mini-game test, I may need JavaScript help
After making one sprite, I've had a sh!t [email protected] of a time making another that works properly. However, the initial start of the prologue for Princess of Persia worked out pretty well, in most browsers. So I wanted to get [Read more…]Read more


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Win Five Life Coaching Sessions
1 prize to be won!
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Published on September 4th, 2014 | by EJC0
Can Twitter Data Be Used To Track Changing Food Commodity Prices?
This article was written by Jong Gun Lee and originally published at Pulse Lab Jakarta on 11 August, 2014. Republished with permission.
Imagine going to your local shop today and finding out that the price of your favourite type of meat has suddenly gone up, or perhaps is on special offer. Would you tweet it to your followers to complain for the price hike or, on the other hand, spread the word about the deal? And imagine replicating scenarios like this hundreds of times across a country. Could these "digital traces" provide us with sufficient signal to estimate food prices on a daily basis? Would this allow the collection of real time statistics that are sufficiently accurate or "good enough" to guide the work of policy makers?
Indonesia, a country which ranks among the top five in the world for total number of Twitter users and is spread over more than 18,000 islands (a real challenge for data collection!) is in many ways the ideal place for testing this hypothesis and its potential practical implications.
Today we are happy to announce the launch of a project microsite that summarises the results of a Pulse Lab Jakarta research project done in conjunction with Bappenas and the World Food Program in Indonesia. The research focused on three target commodities: beef, chicken and onion. We mined Twitter for mentions of prices of these commodities and developed a model to analyse them based on the assumption that one can infer today's price based on yesterday's price. On the site, you will be able to compare the prices as inferred from our model with the actual government data. (For more information on this project, please visit the research project page. A detailed methods paper on the project will be available soon.)
So, can you actually nowcast food prices based on Twitter? The short answer, based on our analysis, is yes – but with some important caveats.
While the prices of both beef and chicken are relatively stable, changes were consistently discussed on Twitter, with spikes in activity corresponding to increases in price. For these commodities, the model data was generally predictive of official pricing in the long term.
The price for onions, on the other hand, fluctuated considerably during the course of the project. Two price increases in April and August 2013 corresponded with clear increases in Twitter activity and the model data had a strong correlation with the official data. However, when the price decreased, there tended to be fewer tweets, and the model data remained the same while official prices dropped. When prices stabilized, there was almost no response on Twitter. It appears, then, that people were reactive on social media to noticeable increases in price but not to decreases or longer-term price stability.
Overall, we found that Indonesians do tweet about food prices in real time, creating data that could be used as a proxy/complement for official food statistics and perhaps provide early warning for unexpected spikes. The implications in terms of reducing costs compared to traditional data collection could also be significant.
But of course, these results need to be taken with caution and, as with any big data project, further investigation and fine-tuning will be needed to validate the results over time. Here are some questions for follow up research that we are considering:
- Could the model be applied to other commodities? Our preliminary investigation on chilly prices yielded some intriguing results (more details to come about this in a follow up blog post)
- What about regional price variation? Assuming we could geo-locate a sufficient amount of tweets, could we pick up sufficient signal to investigate regional variations in prices?
- How does this methodology compare with other approaches to enhancing the price collection data process through big data? (most notably, web crawling as in the MIT Billion prices project?)
As we continue to collect and analyze our data, we are open to suggestions for improvement: Have you conducted similar research in other countries? Are there ways to improve our model? Could you see the same approach replicated in other emerging markets?
About the Organisation:
Pulse Lab Jakarta is a joint innovation project of the Government of Indonesia and the United Nations to explore the use of big data and real time analytics for policy making. Follow on Twitter at @pulselabjakarta
Photo: t-bet


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Bold colour, shape, my love for dutch still life paintings, Ikebana and all things kitsch combine to create a retro, classical and playful signature style. I work intuitively and with a mixture of exotic, seasonal, locally grown and foraged flowers. My approach to floristry means that each display is unique and an expression of my creativity.
Flowers Vermilion is available for all floristry needs across Scotland and other parts of the UK by request.
Come and say Hello
Vermilion Studio
18 St andrews Street


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TR wines and spirits sales return to growth
The travel retail wines and spirits category is back in positive territory, with sales increasing by 3.5% to hit US$10.5 billion in 2016, Generation Research figures show.
Presented by Tax Free World Association (TFWA) president Erik Juul-Mortensen at the recent TFWA Asia Pacific Exhibition & Conference in Singapore, the data confirms a rebound for the sector after sales fell 4.2% in 2015.
Preliminary figures indicate that total 2016 sales across all categories and regions climbed 2.5% to US$63.6bn in 2016.
Despite the gains, Asia Pacific was the only region to progress, generating 9.1% sales growth to reach US$27.6bn. The region now accounts for 43.4% of all travel retail sales.
Europe, the second largest region, slipped 0.1% to US18.8bn, while sales in the Americas collapsed by 5.3% to US$10.7bn. The Middle East contracted by 1.2% to US$5.7bn, with Africa falling back 5.0% to US$0.7bn.
Wines and spirits was the second-strongest performer behind perfumes and cosmetics (up 8.4% to US$21.4bn) and ahead of fashion and accessories (+1.5%) and tobacco (+0.5%). All other categories declined.
In the Asia Pacific region alone, the wines and spirits category grew by 5.2% to US$3.5bn.


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Thanks for visiting!
We are excited that you decided to visit our website today! We are a ministry that strives to Encourage those who have been effected by the complexities of life, to Edify the believer, and to Enlarge the Kingdom of God, one life at a time. LWC is a place where God regularly reveals His glory, and makes His presence known. If you are ever in the city of Baltimore, you have a standing invitation to come and worship with us! If you are in search of a church home, we ask you to prayerfully consider Lighthouse Worship Center, we would love to have you be a member of our Family of Faith.
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Doctoral Dissertations
The utility of geophysical techniques to image the shallow subsurface in karst areas in Missouri
Keywords and Phrases
ERT; GPR; Karst; MASW; Missouri; TDEM
"This dissertation is composed of three papers, which are focused on the utility of geophysical techniques to imaging the shallow subsurface in karst areas in Missouri.
In the first paper, ground penetrating radar (GPR) and time domain electromagnetic metal detector (TDEM-MD) methods were effectively deployed in an investigation of the cemetery with the intent of locating unmarked graves. The outcome of this study is to expand the knowledge of GPR and TDEM-MD methods, to locate unmarked graves in cemeteries. The study concluded that the GPR method is superior than TDEM-MD to locate buried caskets in cemetery investigations.
In the second paper, optimum field parameters of multi-channel analysis of surface waves (MASW) method were investigated in karst terrain and constrained with electrical resistivity tomography (ERT) data interpretation. Determinations were made based on the comparative analysis of MASW and ERT data results. It is concluded that the use of MASW method in karst terrain with smaller array provides good quality data.
In the third paper, ERT and MASW methods were effectively used to map the bedrock of study area by using shear wave velocity and resistivity values. It was observed that the bedrock in some study areas was difficult to recognize, because of the dry soils or moist soils were intact with bedrock. The results of this study indicate that ERT and MASW methods are suitable for mapping bedrock in a karst environment"--Abstract, page iv.
Anderson, Neil L. (Neil Lennart), 1954-
Committee Member(s)
Torgashov, Evgeniy V.
Rogers, J. David
Liu, Kelly H.
Alagha, Lana Z.
Geosciences and Geological and Petroleum Engineering
Degree Name
Ph. D. in Geological Engineering
Missouri University of Science and Technology
Publication Date
Summer 2018
Journal article titles appearing in thesis/dissertation
- Locating unmarked graves: Utilizing GPR and TDEM in Strickfaden-cemetery, Missouri
- Application of multi-channel analysis of surface wave method to determine optimum parameter settings in karst terrain in southwest Missouri
- Mapping bedrock in karst terrain with the use of electrical resistivity tomography and multi-channel analysis of surface waves.A case study in southwest Missouri
xi, 56 pages
Note about bibliography
Includes bibliographic references.
Geographic Coverage
© 2018 Nathainail Bashir, All rights reserved.
Document Type
Dissertation - Open Access
File Type
Thesis Number
Electronic OCLC #
Recommended Citation
Bashir, Nathainail, "The utility of geophysical techniques to image the shallow subsurface in karst areas in Missouri" (2018). Doctoral Dissertations. 2700.


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JURA coffee machines were certified as extremely hygienic by independent international testing organisation TÜV Rheinland in accordance with its own strict criteria. This proves that JURA maintenance products, precisely formulated to be effective with the electronically controlled programmes, guarantee TÜV-certified hygiene and cleanliness for every JURA coffee machine.
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Corporate Profile
First Keystone Corporation is a bank holding company incorporated under the Pennsylvania Business Corporation Laws. Its assets consist primarily of the assets of its wholly-owned subsidiary, First Keystone Community Bank. First Keystone Community Bank serves Columbia, Montour, Luzerne, Monroe, and Northampton Counties. The Bank engages in general banking business and also provides fiduciary services.
News Releases
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$ 18.99
$0.79 4.34%


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How to Guard Your Google Business Profile from Becoming a Running JokeBlog Post: June 05, 2019
I've seen these sorts of issues arise a lot in the last few months. One of the cities I service seems to have a rogue SEO company attacking their clients competitors, as its the only city in the country where our clients are constantly getting attached with name changes, industry changes etc. Its a shame that there are people in the SEO world who are still focussed on pulling others down, rather than building their own clients up the right way.
I'm really looking forward to checking our Moz Local as it sounds like it will save us ALOT of time!
Thanks for the great work guys.


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Sampark For Samarthan: BJP's massive outreach campaign ahead of 2019 elections
Under the "Sampark for Samarthan" campaign, 4000 elected BJP members will reach out to around 1 lakh personalities well known in politics, business, sports, movie, art and cultural fields. And about 50 lakh selected workers will go to the homes of common people to convey achievements of the pro-people Modi Government.
BJP chief Amit Shah has met former Army Chief General Dalbir Singh Suhag, cricketer Kapil Dev, Bollywood actress Madhuri Dixit as part of the campaign. On the other hand, Union Minister Nitin Gadkari met actor Nana Patekar, MD & CEO of Yes Bank Rana Kapoor, and actor Salman Khan and his father Salim Khan in Mumbai.
Defence Minister Nirmala Sitharaman visited Pullela Gopichand's academy in Hyderabad and explained the government's initiatives. She also met tennis player Sania Mirza and former cricketer V V S Laxman.
August 4: Amit Shah, along with Railways Minister Piyush Goyal, met cricketer Mahendra Singh Dhoni.
July 22: Shah met melody queen Lata Mangeshkar at her home in south Mumbai as part of the party's "contact for support" campaign.
July 7: Union Minister of State Youth Affairs and Sports Rajyavardhan Rathore had on July 7 met Former Indian Cricketer Virender Sehwag under 'Sampark for Samarthan' drive in Delhi.
June 14: Union Minister Rajyavardhan Singh Rathore met Biocon chairperson Kiran Mazumdar-Shaw in Bengaluru as a part of BJP's 'Sampark for Samarthan' (Contact for Support) initiative.
June 9: Amit Shah met veteran journalist and former member of Rajya Sabha, Shri Kuldip Nayar , as part of 'Sampark For Samarthan'. Sha was glad to see his energy level even at this age. He Discussed with him several transformative initiatives and unprecedented work done by Modi govt in the last 4 years.
June 7: It was great meeting "The Flying Sikh" Sardar Milkha Singh ji and his wife Smt Nirmal Milkha Singh ji as part of "Sampark for Samarthan" initiative at their home in Chandigarh. Shah Discussed with them the developmental initiatives of PM Narendra Modi's govt in the last 4 years.
June 7: Sha met former Indian hockey player and three-time Olympic gold champion Shri Balbir Singh ji at his home in Chandigarh. Shared with him the details of various initiatives undertaken by PM Modi's government in the last 4 years.
June 7: Shah called on BJP's ally Akali Dal leaders at their home in Chandigarh.. It is always a delight to meet Badal Sahab, said Amit Shah.
June 6: Met Ratan Tata as part of "Sampark For Samarthan" campaign. I took him through Modi government's development achievements and initiatives. It was nice meeting him and greatly value our conversation.
june 6: It was pleasant meeting the noted Bollywood actress Madhuri Dixit and Dr. Shriram Nene as a part of "Sampark For Samarthan" initiative at their home in Mumbai, Maharashtra. Have discussed the achievements and path-breaking initiatives of PM Narendra Modi government in last 4 years.
June 4: As a part of "Sampark For Samarthan" initiative met former Honorable Chief Justice of India Shri R C Lahoti ji at his residence and brief him on the historic steps and achievements of PM Narendra Modi's government in last 4 years.
June 4: Yoga Guru Swamy Ramdev was conveyed about four-year achievements and public welfare policies of the central government headed by Prime Minister Modi.
June 1: It was wonderful meeting former skipper of Indian cricket team, Shri Kapil Dev ji and his wife at their home in Delhi. As part of the nationwide "Sampark for Samarthan" campaign, briefed him about the achievements of PM Narendra Modi's govt in the last 4 years.
May 29: Delighted to meet former Secretary General of Lok Sabha and expert on Constitution, Shri Subhash Kashyap ji, as part of the 'Sampark for Smarthan' Abhiyan at his home in Delhi. Briefed him about the work done & historic initiatives undertaken by the Modi government in last 4 years.
May 29: As part of the 'Sampark for Samarthan' campaign, met former Army Chief General Dalbir Singh Suhag ji at his home in Delhi to discuss and brief him on the several achievements and initiatives undertaken by Modi sarkar since it was voted to the office 4 years ago.


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With the inevitable storms that come with spring, homeowners should educate themselves about ways to prepare their homes for inclement weather. One often overlooked area is shutting off the home's utilities to prevent gas leaks, water leaks, and electrical fires. Electricity Locate the home's electrical box and turn each individual switch to the off position. Then turn off the main breaker, which is larger and typically located near the top of the box. Water Find out where the main … [Read more...]
Learning to Shut off Utilities to Prepare for Storms
Thinking Outside the Umbrella
The importance of having home insurance simply cannot be underestimated. But in case of calamity, you should know what your policy covers, and how a rider (or umbrella policy) might help you. Umbrella liability insurance is designed to help where your home and auto policies liability might not be enough. A few things that are commonly covered under an umbrella policy include: personal liability coverage, in case of an event which occurs outside the premises of your home; attorney fees, in … [Read more...]