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While Europe used to be the largest market for Russian oil exports,
Saudi Arabia has recently sent a record number of oil tankers to Egypt.
The shipment data compiled by Bloomberg shows that as of March, Saudis
daily oil exports to Egypt reached 1.3 million barrels, the highest
level in at least 3 years.To get more news about Saudi Wages, you can visit wikifx news official website.
The freights will be shipped to a terminal at the southern end of Suez Canal, where theyll be further transferred to the storage and exportation facilities in the Mediterranean region.
At the beginning of March, Saudi already began cutting official price of oil exported to Europe by an unprecedented level, which makes the actual price of oil sold to Europe to be US$10 / barrel.
As the global oil demand is experiencing a historical slump(down by 26 million barrel per day, according to statistics from Goldman Sachs), European oil plants are reducing their output to avoid excessive inventory.
But Saudis ramping up of crude export to Europe can slash Russian oil export by 1 million barrels per day.
The greatest challenge facing Russian oil industry is the permanent loss of capacity after part of the producers with higher costs are crushed by Saudi‘s move. A HFI research estimates that about 10% of Russian’s oil producing capacity will be lost irreversibly and Russias daily output will reduce by 500 thousand to 1 million barrels permanently.
The energy sector is seeing perhaps one of the most frantic moments in history, with the pricing getting out of control.
The freights will be shipped to a terminal at the southern end of Suez Canal, where theyll be further transferred to the storage and exportation facilities in the Mediterranean region.
At the beginning of March, Saudi already began cutting official price of oil exported to Europe by an unprecedented level, which makes the actual price of oil sold to Europe to be US$10 / barrel.
As the global oil demand is experiencing a historical slump(down by 26 million barrel per day, according to statistics from Goldman Sachs), European oil plants are reducing their output to avoid excessive inventory.
But Saudis ramping up of crude export to Europe can slash Russian oil export by 1 million barrels per day.
The greatest challenge facing Russian oil industry is the permanent loss of capacity after part of the producers with higher costs are crushed by Saudi‘s move. A HFI research estimates that about 10% of Russian’s oil producing capacity will be lost irreversibly and Russias daily output will reduce by 500 thousand to 1 million barrels permanently.
The energy sector is seeing perhaps one of the most frantic moments in history, with the pricing getting out of control.
The recent data from International Monetary Fund shows that in Q4, 2019,
the dollars share in global foreign reserves reported by the IMF
dropped to 60.8% compared to the previous quarter, falling for the
second straight quarter.To get more news about USD’s Proportion, you can visit wikifx news official website.
As the number of confirmed cases continues to rise, the United States has now become the epicenter of the global coronavirus outbreak. Before the large-scale outbreak in the United States, due to the spread of the virus across the world and the consequent interruption of global supply chain, US stocks promptly responded with a heavy slump that triggered trading curb four times in just a few weeks, with the S&P 500 index tumbling by 20% from the highest point with unprecedented speed.
Under bailout pressure, the Fed took swift actions within a short period by first adopting zero interest rate and then launching large-scale quantitative easing, with a speed and intensity far beyond the interpretation of traditional currency theories and expectations from the market. While the Fed's policies have been somewhat effective in the short term, some experts pointed out that the series of approaches are essentially printing US dollars recklessly which will lead to dollar's depreciation, dividing the cost of market rescue efforts on the world. Experts warn that from historical experience, excessive quantitative easing is currency devaluation which “beggar-thy-neighbor”, boosting hidden risks of global inflation.
In fact, the Feds monetary policies have still failed to achieve satisfactory results, and the US government has no choice but to issue another US$2 trillion fiscal stimulus bill. Obviously, huge fiscal stimulus will seriously threaten the sustainability of US government debt, and as the number of unemployed people increases, the extreme gap between rich and poor will greatly reduce US society's resilience to economic shocks.
Some analysts pointed out that after this round of crisis, the US dollar's share in the international currency reserve may decline further.
On the other hand, data previously released by the IMF showed that while the share of the dollar has fallen, the share of the Renminbi in global foreign exchange reserves has risen. In the fourth quarter of 2019, global foreign exchange reserves increased to US$11.829 trillion, up 1.5% from the previous quarter and more than 3% from the fourth quarter of 2018. These include RMB assets worth of about US$202.79 billion, accounting for 1.89% of the global official foreign exchange reserve assets and surpassing the share of Aussie dollar (1.62%) and Canadian dollar (1.84%).
With previous epicenters Wuhan and Hubei Province ending their lockdown restrictions, China is accelerating resumption of production; the Chinese government has relatively greater fiscal space, and coupled with significant reduction in leverage over the past four years, the RMB assets' overall performance is relatively stable, showing the characteristics of safe-haven assets.
Analysts pointed out that China's current national bond yields are higher, therefore more attractive to international investors, and the RMB exchange rate will remain on the track of appreciation in the long-term.
As the number of confirmed cases continues to rise, the United States has now become the epicenter of the global coronavirus outbreak. Before the large-scale outbreak in the United States, due to the spread of the virus across the world and the consequent interruption of global supply chain, US stocks promptly responded with a heavy slump that triggered trading curb four times in just a few weeks, with the S&P 500 index tumbling by 20% from the highest point with unprecedented speed.
Under bailout pressure, the Fed took swift actions within a short period by first adopting zero interest rate and then launching large-scale quantitative easing, with a speed and intensity far beyond the interpretation of traditional currency theories and expectations from the market. While the Fed's policies have been somewhat effective in the short term, some experts pointed out that the series of approaches are essentially printing US dollars recklessly which will lead to dollar's depreciation, dividing the cost of market rescue efforts on the world. Experts warn that from historical experience, excessive quantitative easing is currency devaluation which “beggar-thy-neighbor”, boosting hidden risks of global inflation.
In fact, the Feds monetary policies have still failed to achieve satisfactory results, and the US government has no choice but to issue another US$2 trillion fiscal stimulus bill. Obviously, huge fiscal stimulus will seriously threaten the sustainability of US government debt, and as the number of unemployed people increases, the extreme gap between rich and poor will greatly reduce US society's resilience to economic shocks.
Some analysts pointed out that after this round of crisis, the US dollar's share in the international currency reserve may decline further.
On the other hand, data previously released by the IMF showed that while the share of the dollar has fallen, the share of the Renminbi in global foreign exchange reserves has risen. In the fourth quarter of 2019, global foreign exchange reserves increased to US$11.829 trillion, up 1.5% from the previous quarter and more than 3% from the fourth quarter of 2018. These include RMB assets worth of about US$202.79 billion, accounting for 1.89% of the global official foreign exchange reserve assets and surpassing the share of Aussie dollar (1.62%) and Canadian dollar (1.84%).
With previous epicenters Wuhan and Hubei Province ending their lockdown restrictions, China is accelerating resumption of production; the Chinese government has relatively greater fiscal space, and coupled with significant reduction in leverage over the past four years, the RMB assets' overall performance is relatively stable, showing the characteristics of safe-haven assets.
Analysts pointed out that China's current national bond yields are higher, therefore more attractive to international investors, and the RMB exchange rate will remain on the track of appreciation in the long-term.
An effective way of saving money is to stock up samples in your storage.
You can easily get free product samples when you go to festivals or
other public events with vendors and ask for samples from makeup
counters. Even drugstore makeup counters have samples available if you
ask. That way you can stock up on free makeup by collecting samples and
you can also try products for free before deciding whether to buy it or
not.Try to find ways to save much money? Promosstore is the best place
for you to get coupons, vouchers and deals to help you save much money
on your purchase. To get more news about adairs coupon code, you can visit promosstore official website.
Use natural products
You can save a lot of money on beauty products if you know how to take advantage of the natural ingredients in your house. For example, instead of buying dandruff shampoo, you can use malt vinegar or apple cider vinegar as a rinse after shampooing your hair. This helps clear up your dandruff and leaves only a hint of vinegar smell that you can get rid of easily.
Cut your own bangs
All women should know that we have to cut our bangs regularly to make sure it always looks the best. If you want to go get your bangs done, look for a salon that offers free bang trims for clients, some charge for the service. But even when the bang trim is free, you still have to tip your stylist. Actually cutting your own bangs is easier than you think. You can look for a step-by-step guide for how to cut your bangs on your internet. Just make sure you don't cut it too short.
Join loyalty programs
You will be surprised by the money you save if you sign up for the loyalty program of cosmetic stores. They will send points or vouchers to your account and you can save from $5 to over $20 but this will normally expire in a few days so remember to use them before they expire.
Cure your tanning addiction
Researches have shown that nearly 10 million Americans like to make their skin glow better by going to indoor tanning salons - a study of the American Academy of Dermatology. Moreover, it cost a lot of money. Tanning costs can range from under $10 a session to $25 or more. And people tend to visit tanning salons multiple times so the price adds up quickly. To save money, stop trying to have fake tans and accept your own skin.
Find dupes
There are currently a lot of makeup reviews on the internet that shows makeup dupes of popular expensive makeup brands. You can try the cheaper versions of these products to save more money. You can also look for generic versions of your favorite drugstore brands, which are often displayed right next to them. You will find many products are quite the same as your everyday staples with much more reasonable prices.
Pass on highly specific products
Let me break this to you, you don't actually need a special primer just for your eyelids, a scrub designed specifically for your feet, mascara for your bottom lashes only, a split-end sealer, or a cream that just goes on your neck. Many beauty experts say it's fine to skip those things. That's totally fine if you use your regular facial moisturizer on your neck and you will be surprised by the money you save with this tip.
Don’t spend too much on sunscreen
Suncreen is really a must-have item that you have to use every day to protect against dangerous UVA and UVB rays, but the pricey stuff doesn’t necessarily do a better job of keeping you safe. When Consumer Reports tested dozens of brands of sunscreen, a $36 bottle of lotion scored perfect marks, but so did a $6 spray. Other sunscreens that earned high scores were Wal-Mart’s generic Equate brand and Coppertone Water Babies, which both cost less than $10.Want to get the highest quality products with the lowest prices while shopping? vist www.promosstore.com
Use natural products
You can save a lot of money on beauty products if you know how to take advantage of the natural ingredients in your house. For example, instead of buying dandruff shampoo, you can use malt vinegar or apple cider vinegar as a rinse after shampooing your hair. This helps clear up your dandruff and leaves only a hint of vinegar smell that you can get rid of easily.
Cut your own bangs
All women should know that we have to cut our bangs regularly to make sure it always looks the best. If you want to go get your bangs done, look for a salon that offers free bang trims for clients, some charge for the service. But even when the bang trim is free, you still have to tip your stylist. Actually cutting your own bangs is easier than you think. You can look for a step-by-step guide for how to cut your bangs on your internet. Just make sure you don't cut it too short.
Join loyalty programs
You will be surprised by the money you save if you sign up for the loyalty program of cosmetic stores. They will send points or vouchers to your account and you can save from $5 to over $20 but this will normally expire in a few days so remember to use them before they expire.
Cure your tanning addiction
Researches have shown that nearly 10 million Americans like to make their skin glow better by going to indoor tanning salons - a study of the American Academy of Dermatology. Moreover, it cost a lot of money. Tanning costs can range from under $10 a session to $25 or more. And people tend to visit tanning salons multiple times so the price adds up quickly. To save money, stop trying to have fake tans and accept your own skin.
Find dupes
There are currently a lot of makeup reviews on the internet that shows makeup dupes of popular expensive makeup brands. You can try the cheaper versions of these products to save more money. You can also look for generic versions of your favorite drugstore brands, which are often displayed right next to them. You will find many products are quite the same as your everyday staples with much more reasonable prices.
Pass on highly specific products
Let me break this to you, you don't actually need a special primer just for your eyelids, a scrub designed specifically for your feet, mascara for your bottom lashes only, a split-end sealer, or a cream that just goes on your neck. Many beauty experts say it's fine to skip those things. That's totally fine if you use your regular facial moisturizer on your neck and you will be surprised by the money you save with this tip.
Don’t spend too much on sunscreen
Suncreen is really a must-have item that you have to use every day to protect against dangerous UVA and UVB rays, but the pricey stuff doesn’t necessarily do a better job of keeping you safe. When Consumer Reports tested dozens of brands of sunscreen, a $36 bottle of lotion scored perfect marks, but so did a $6 spray. Other sunscreens that earned high scores were Wal-Mart’s generic Equate brand and Coppertone Water Babies, which both cost less than $10.Want to get the highest quality products with the lowest prices while shopping? vist www.promosstore.com
You need to get rid of all the bad habits such as keeping cigarettes in
the house, beer in the fridge and liquor in the cabinet to save money.
Because these bad habits are not only making you spend a lot of money
but they could also eventually cost you money when it comes to your
health.Try to find ways to save much money? Promosstore is the best
place for you to get coupons, vouchers and deals to help you save much
money on your purchase. To get more news about shein coupon, you can visit promosstore official website.
Dollar Store Household Items
Check out all your local dollar stores to see which ones are good enough to shop for household staples like tape, wrapping paper, soap, and other items. This way you can save a bundle over the grocery store or pharmacy.
Find a cheaper way to relax
There are many ways you can relax without spending tons of money. You can try meditation, reading, napping or an affordable hobby instead of some other ways that cost more like shopping online or making expensive cocktails. You can check out "Top benefits of meditation" here for more details. This way you can bring joy to your life without wasting money.
Borrow What You Rarely Need
If there is something you will only need to you like once or twice a year like the newfangled appliances to make smoothies or a rotisserie chicken, don't spend money on it. If you want to make something that requires such a device, ask your neighbor or friend that has one so you can borrow it from them. (This also applies to lawn equipment, tools, and other very expensive things you may only use once in a blue moon).
Launder in Cold Temps
Washing your clothes with warm water really costs you a lot of money since you have to heat up all that wash water. Most clothing will be just fine washing in cool water. Plus, you don't need to spend more money on the "special" detergent recommended for cold washes. You can wash your clothes in cool water and it's much better because the colors won't bleed with the cool water, you may not even have to sort the clothes into different loads based on color so this method saves time too.
Air Dry Clothes
If you have enough space in your house or yard, think of designing a system for hanging up your clothes to dry. This way you will not only save on the cost of electricity but your clothes will be more durable than if regularly dried with direct heat. Actually you will need only a little bit of space so you can rig up a small retractable clothesline and you can hang your clothes at any time. You will only have to spend a few bucks and it lasts for a very long time. If you don't have much space in your house, consider making retractable clotheslines above the shower rods. You will save more money than you think with this amazing method.
Get Back to Cleaning Basics
Nowadays there are many cleaning products on the market which guarantee to clean anything but they can actually cost you a bundle. Why waste money on that when you can use basic cleaning supplies of the olden days and they will work just as effectively now as they did in the past. You can try vinegar and baking soda - two cheap but very effective products to clean and disinfect your whole house.
Pass on the candles
Most people want their home to have good smells and candles and room sprays are effective ways to do it. But unfortunately, all that stuffs are so expensive if you have to buy them multiple times a month to keep your home smell good. Actually, basic items like baking soda can reduce odors in carpets and fabrics. A small pot of cinnamon and vanilla extra simmering on the stove can also make the house inviting to visitors.
Learn Basic House Maintenance
If you want to save money on fixing things around your home, you must know how to maintain it. A home gets a lot of living done inside it throughout a year. You need to know all the basic kinds of stuff like cleaning filters, re-caulking bathtubs, and the other tasks around your home that need yearly care.
Rent a Steam Cleaner
Your carpets can easily get dirty from foot traffic, kids, and pets. That's why you may think you need to buy a steam cleaner. Actually you are not going to use it every day so you just need to rent once in a while. Every few months, steam clean the rugs in the rooms most used to restore them and bring them back to life rather than replacing them.
Learn to Sew
Sewing is an age-old yet important skill that everyone should learn on a basic level. If you know how to sew, instead of throwing away things that have torn including clothing, coats, curtains, and other household items, a few simple stitches can repair them for continued use.
DIY Only Within Your Limits
Repair or construct things on your home is an amazing way to save money on labor costs but you should only DIY the things you know how to do right. If you do something wrong in construction or repair, it may end up costing you more than you can afford.
Do a House Sweep to Organize Your Stuff
Make a plan of doing a clean sweep of your house at least once a month. Thorough cleaning will allow you to recognize potential problem areas that need to be repaired and it will likely produce a lot of stuff you’ve bought time and again because you couldn’t find it in the first place. Try to make your place the most organized as you can so that you can find things easily and spend less on repeat purchases. You can also check out "Tips to design your home as a minimalist" to make your house tidier.Want to get the highest quality products with the lowest prices while shopping? Click Here
Dollar Store Household Items
Check out all your local dollar stores to see which ones are good enough to shop for household staples like tape, wrapping paper, soap, and other items. This way you can save a bundle over the grocery store or pharmacy.
Find a cheaper way to relax
There are many ways you can relax without spending tons of money. You can try meditation, reading, napping or an affordable hobby instead of some other ways that cost more like shopping online or making expensive cocktails. You can check out "Top benefits of meditation" here for more details. This way you can bring joy to your life without wasting money.
Borrow What You Rarely Need
If there is something you will only need to you like once or twice a year like the newfangled appliances to make smoothies or a rotisserie chicken, don't spend money on it. If you want to make something that requires such a device, ask your neighbor or friend that has one so you can borrow it from them. (This also applies to lawn equipment, tools, and other very expensive things you may only use once in a blue moon).
Launder in Cold Temps
Washing your clothes with warm water really costs you a lot of money since you have to heat up all that wash water. Most clothing will be just fine washing in cool water. Plus, you don't need to spend more money on the "special" detergent recommended for cold washes. You can wash your clothes in cool water and it's much better because the colors won't bleed with the cool water, you may not even have to sort the clothes into different loads based on color so this method saves time too.
Air Dry Clothes
If you have enough space in your house or yard, think of designing a system for hanging up your clothes to dry. This way you will not only save on the cost of electricity but your clothes will be more durable than if regularly dried with direct heat. Actually you will need only a little bit of space so you can rig up a small retractable clothesline and you can hang your clothes at any time. You will only have to spend a few bucks and it lasts for a very long time. If you don't have much space in your house, consider making retractable clotheslines above the shower rods. You will save more money than you think with this amazing method.
Get Back to Cleaning Basics
Nowadays there are many cleaning products on the market which guarantee to clean anything but they can actually cost you a bundle. Why waste money on that when you can use basic cleaning supplies of the olden days and they will work just as effectively now as they did in the past. You can try vinegar and baking soda - two cheap but very effective products to clean and disinfect your whole house.
Pass on the candles
Most people want their home to have good smells and candles and room sprays are effective ways to do it. But unfortunately, all that stuffs are so expensive if you have to buy them multiple times a month to keep your home smell good. Actually, basic items like baking soda can reduce odors in carpets and fabrics. A small pot of cinnamon and vanilla extra simmering on the stove can also make the house inviting to visitors.
Learn Basic House Maintenance
If you want to save money on fixing things around your home, you must know how to maintain it. A home gets a lot of living done inside it throughout a year. You need to know all the basic kinds of stuff like cleaning filters, re-caulking bathtubs, and the other tasks around your home that need yearly care.
Rent a Steam Cleaner
Your carpets can easily get dirty from foot traffic, kids, and pets. That's why you may think you need to buy a steam cleaner. Actually you are not going to use it every day so you just need to rent once in a while. Every few months, steam clean the rugs in the rooms most used to restore them and bring them back to life rather than replacing them.
Learn to Sew
Sewing is an age-old yet important skill that everyone should learn on a basic level. If you know how to sew, instead of throwing away things that have torn including clothing, coats, curtains, and other household items, a few simple stitches can repair them for continued use.
DIY Only Within Your Limits
Repair or construct things on your home is an amazing way to save money on labor costs but you should only DIY the things you know how to do right. If you do something wrong in construction or repair, it may end up costing you more than you can afford.
Do a House Sweep to Organize Your Stuff
Make a plan of doing a clean sweep of your house at least once a month. Thorough cleaning will allow you to recognize potential problem areas that need to be repaired and it will likely produce a lot of stuff you’ve bought time and again because you couldn’t find it in the first place. Try to make your place the most organized as you can so that you can find things easily and spend less on repeat purchases. You can also check out "Tips to design your home as a minimalist" to make your house tidier.Want to get the highest quality products with the lowest prices while shopping? Click Here
From seeing the doctors to prescription drugs to copays and premiums,
the amount of money you have to spend on healthcare each year is
unbelievable. That's why you should have a little comparison shopping
and smart detective work to save money on healthcare.Try to find ways to
save much money? Promosstore is the best place for you to get coupons,
vouchers and deals to help you save much money on your purchase. To get
more news about vodafone promo codes, you can visit promosstore official website.
Actually there are many things you can do to minimize the money you spend on healthcare such as getting discounts on prescriptions, negotiating with your doctor, bargain-shopping for a health plan... Keep reading this article for more details.
Why is healthcare so expensive?
You may now wonder why healthcare is so expensive. Actually that's the price of health insurance plan premiums. Your premium is the fee you have to pay annually to get coverage under an insurance plan. It's like a gym membership fee but much more expensive.
You are lucky if you get subsidized insurance in which your employers pay a part of your premium costs rather than having to pay the bills yourself. But not many people get subsidized for that, and they are more likely to be burdened by premium costs alone. For example, in 2017, the average nonsubsidized individual plan premium was $393 per month, while the average unsubsidized monthly cost for a family plan was $1,021.
Also, even if you pay for the insurance plan already, you still need to worry about deductibles. The deductible is the amount of money you have to spend before the insurance company pays for your medical services. For instance, if your plan comes with a $1,000 deductible, you'll need to fork over $1,000 of your own money before your insurance company starts covering most procedures and office visits.
Then there are copayments, or copay, which requires you to pay every time you visit a doctor's office or take a prescription. In short, your copay depends on the service you use. For example, you will have to pay less if you see a regular doctor but you will be charged higher for visiting a specialist. Moreover, your prescription copays will usually change from drug to drug, so planning for them can be really hard.
Be careful when picking a health plan, don't just choose the one which offers the lowest monthly premium or the one you used before. Benefits can vary significantly each year - as can your family's health demands. The best way to pick the most suitable plan for you and your family: Note down your family's average number of doctor visits per year, routine prescriptions, dental cleanings, and other services. Compare what you'd pay over an entire year for these items on each plan.
Don't forget to calculate the monthly premiums and deductibles. People always make mistakes by purchasing insurance depended on the lowest monthly premium. Actually you need to include the monthly premium and deductible to evaluate the plans.
Consider an HD Plan
If your family is healthy and doesn't need to see the doctor regularly, you may consider a high deductible (HD) health plan so that you can save hundreds of dollars per month in lower premiums.
An amazing benefit of HD plans is that you can open a health savings account (HSA), where you can sock away (on a pretax basis) money to pay your insurance premiums and out-of-pocket health expenses. Moreover, unused HSA money continues to grow tax-deferred every year. But be careful because an HD plan may not be suitable for you if you and your family's member have a chronic health condition, you're not disciplined about saving money in your HSA, or if having such a high deductible makes you concern.Want to get the highest quality products with the lowest prices while shopping?visit homepage
Actually there are many things you can do to minimize the money you spend on healthcare such as getting discounts on prescriptions, negotiating with your doctor, bargain-shopping for a health plan... Keep reading this article for more details.
Why is healthcare so expensive?
You may now wonder why healthcare is so expensive. Actually that's the price of health insurance plan premiums. Your premium is the fee you have to pay annually to get coverage under an insurance plan. It's like a gym membership fee but much more expensive.
You are lucky if you get subsidized insurance in which your employers pay a part of your premium costs rather than having to pay the bills yourself. But not many people get subsidized for that, and they are more likely to be burdened by premium costs alone. For example, in 2017, the average nonsubsidized individual plan premium was $393 per month, while the average unsubsidized monthly cost for a family plan was $1,021.
Also, even if you pay for the insurance plan already, you still need to worry about deductibles. The deductible is the amount of money you have to spend before the insurance company pays for your medical services. For instance, if your plan comes with a $1,000 deductible, you'll need to fork over $1,000 of your own money before your insurance company starts covering most procedures and office visits.
Then there are copayments, or copay, which requires you to pay every time you visit a doctor's office or take a prescription. In short, your copay depends on the service you use. For example, you will have to pay less if you see a regular doctor but you will be charged higher for visiting a specialist. Moreover, your prescription copays will usually change from drug to drug, so planning for them can be really hard.
Be careful when picking a health plan, don't just choose the one which offers the lowest monthly premium or the one you used before. Benefits can vary significantly each year - as can your family's health demands. The best way to pick the most suitable plan for you and your family: Note down your family's average number of doctor visits per year, routine prescriptions, dental cleanings, and other services. Compare what you'd pay over an entire year for these items on each plan.
Don't forget to calculate the monthly premiums and deductibles. People always make mistakes by purchasing insurance depended on the lowest monthly premium. Actually you need to include the monthly premium and deductible to evaluate the plans.
Consider an HD Plan
If your family is healthy and doesn't need to see the doctor regularly, you may consider a high deductible (HD) health plan so that you can save hundreds of dollars per month in lower premiums.
An amazing benefit of HD plans is that you can open a health savings account (HSA), where you can sock away (on a pretax basis) money to pay your insurance premiums and out-of-pocket health expenses. Moreover, unused HSA money continues to grow tax-deferred every year. But be careful because an HD plan may not be suitable for you if you and your family's member have a chronic health condition, you're not disciplined about saving money in your HSA, or if having such a high deductible makes you concern.Want to get the highest quality products with the lowest prices while shopping?visit homepage
Don’t we all want to win the lottery jackpot prize? But what are the
chances really? Well, you should know that there is no way to guarantee a
lottery win as the drawings are totally random – that’s just how the
lottery works! But the good news is, some tactics might help improve
your odds.Get more news about 彩票免费包网,you can vist loto98.com
It’s a basic mathematics principle – the more tickets you enter, the better are your odds of winning. So, if you wish to increase your chances of winning the jackpot, make sure you don’t narrow down your options. Purchasing more than just one ticket for each draw can give you an advantage.
TIP #2: Join a lottery syndicate
Buying more tickets can often be cost-prohibitive. Hence, it is best to pool your money with friends or colleagues. This way you can afford to buy more tickets and play more numbers while increasing your odds of winning, without spending fortunes. Of course, you’ll have to split the prize money.
TIP #3: Play the right games
It might not strike you, but not all lotteries are equal. Different lottery games actually have different odds of winning. So, before you spend your money, make sure that you are choosing the right game where better odds are stacked in your favour. State lotteries usually have higher odds.
TIP #4: Enter every draw
Sounds like a cliché, doesn’t it? But you’ve really got to be in it to win it. So, you should always make it a point to enter every draw in your favourite lottery game. By playing more often, you can not only avoid missing out on a lottery win but also increase your chances of landing the jackpot.
TIP #5: Rely on computers
The only reason why letting the computer pick your numbers is that as humans, we have a tendency to pick birth dates or our lucky numbers that might just as easily be someone else’s choice too. Quick picks randomise the number selection while increasing your chances of landing a lottery prize.
TIP #6: Pick numbers over 31
If you decide to pick your own number, choose rarer ones. Since most people pick dates as some of their lotto numbers, the numbers above 31 are often picked less frequently than others. This might not increase your odds, but will certainly decrease your chances of splitting the prize, if you win.
TIP #7: Play the HOT numbers
If you have been at it for a long time now, you’ll realise that certain numbers actually come up more often than others in a lottery draw. It might be worth to find a pattern and study how popular some numbers are in different lotteries. Based on the same, you can choose your own numbers.
TIP #8: Don’t give up!
Last but not least, persevere and be determined! There will be no chance of you winning if you don’t even play. It might take a while, maybe even years, before the lottery changes your life. And, even if you don’t win the jackpot, you might still bag a huge consolation prize if you are lucky.
Remember, these tips don’t guarantee you a lottery win. But we hope using these the next time you play will boost your odds of reaching as close to the jackpot win as possible. Good luck!
It’s a basic mathematics principle – the more tickets you enter, the better are your odds of winning. So, if you wish to increase your chances of winning the jackpot, make sure you don’t narrow down your options. Purchasing more than just one ticket for each draw can give you an advantage.
TIP #2: Join a lottery syndicate
Buying more tickets can often be cost-prohibitive. Hence, it is best to pool your money with friends or colleagues. This way you can afford to buy more tickets and play more numbers while increasing your odds of winning, without spending fortunes. Of course, you’ll have to split the prize money.
TIP #3: Play the right games
It might not strike you, but not all lotteries are equal. Different lottery games actually have different odds of winning. So, before you spend your money, make sure that you are choosing the right game where better odds are stacked in your favour. State lotteries usually have higher odds.
TIP #4: Enter every draw
Sounds like a cliché, doesn’t it? But you’ve really got to be in it to win it. So, you should always make it a point to enter every draw in your favourite lottery game. By playing more often, you can not only avoid missing out on a lottery win but also increase your chances of landing the jackpot.
TIP #5: Rely on computers
The only reason why letting the computer pick your numbers is that as humans, we have a tendency to pick birth dates or our lucky numbers that might just as easily be someone else’s choice too. Quick picks randomise the number selection while increasing your chances of landing a lottery prize.
TIP #6: Pick numbers over 31
If you decide to pick your own number, choose rarer ones. Since most people pick dates as some of their lotto numbers, the numbers above 31 are often picked less frequently than others. This might not increase your odds, but will certainly decrease your chances of splitting the prize, if you win.
TIP #7: Play the HOT numbers
If you have been at it for a long time now, you’ll realise that certain numbers actually come up more often than others in a lottery draw. It might be worth to find a pattern and study how popular some numbers are in different lotteries. Based on the same, you can choose your own numbers.
TIP #8: Don’t give up!
Last but not least, persevere and be determined! There will be no chance of you winning if you don’t even play. It might take a while, maybe even years, before the lottery changes your life. And, even if you don’t win the jackpot, you might still bag a huge consolation prize if you are lucky.
Remember, these tips don’t guarantee you a lottery win. But we hope using these the next time you play will boost your odds of reaching as close to the jackpot win as possible. Good luck!
Thursday’s $80 million Powerball is one of the biggest prizes in
Australian lottery history.The Lott spokesperson Ally Ramsamy said the
$80 million is the third biggest Powerball jackpot offered this year
alone.Get more news about 彩票API,you can vist loto98.com
“Powerball has only offered an $80 million division one prize four times in its 23-year history,” she said.“In fact, Powerball soared to $80 million in July 2009, August 2018, January 2019 and July 2019.”
Coinciding with the major prize, it has also been announced there are 23 winners still yet to claim lottery prizes from Gold Lotto, TattsLotto and other lotteries dating back to 2014.
However, for those wanting to get their hands on the $80 million on Thursday, there are a number of ways to increase your odds of winning the entire division one prize.To win division one you need to have all seven numbers and the Powerball.
All seven numbers without the all-important Powerball can win a division two prize, but won’t score you the entire $80 million.A Powerhit entry, which costs $24, guarantees you the Powerball number, but then it’s up to you to ensure the other seven numbers are correct.
Some numbers have been drawn more than others but it’s purely down to luck.However, it could be tempting to pick the historically lucky numbers.Since April 2018, no number had been drawn more than 17, which was picked 23 times.
Two and 11 have each been drawn 19 times while seven and 22 were picked 18.As for the all-important Powerball, 19 and three were each drawn seven times.
Melbourne’s suburb of St Albans sold four division one winning entries in the last financial year, with winnings totalling more than $29 million.
Werribee and Point Cook, in the same postcode, also sold four division one winning prize tickets between them, totalling more than $6.7 million.Griffith in Canberra sold three division one winning tickets.
Sydney’s suburbs of Lalor Park and Seven Hills shared three winners between them, with winnings totalling more than $2.4 million.The Moreton Bay Region, north of Brisbane, could be considered to be southeast Queensland’s luckiest place to buy a ticket.
Between Warner and Bray Park, three division one winners bought their tickets in those suburbs.In Central Queensland, Gladstone and Gladstone West also shared three winners.
The appropriately named suburb of Success, in Perth’s south, had four winners who scored a total of more than $2.1 million.Morphett Vale and Woodcroft in Adelaide shared three winners.In the Northern Territory, Nightcliff, Coolalinga and Parap each sold a division one winning ticket.
“Powerball has only offered an $80 million division one prize four times in its 23-year history,” she said.“In fact, Powerball soared to $80 million in July 2009, August 2018, January 2019 and July 2019.”
Coinciding with the major prize, it has also been announced there are 23 winners still yet to claim lottery prizes from Gold Lotto, TattsLotto and other lotteries dating back to 2014.
However, for those wanting to get their hands on the $80 million on Thursday, there are a number of ways to increase your odds of winning the entire division one prize.To win division one you need to have all seven numbers and the Powerball.
All seven numbers without the all-important Powerball can win a division two prize, but won’t score you the entire $80 million.A Powerhit entry, which costs $24, guarantees you the Powerball number, but then it’s up to you to ensure the other seven numbers are correct.
Some numbers have been drawn more than others but it’s purely down to luck.However, it could be tempting to pick the historically lucky numbers.Since April 2018, no number had been drawn more than 17, which was picked 23 times.
Two and 11 have each been drawn 19 times while seven and 22 were picked 18.As for the all-important Powerball, 19 and three were each drawn seven times.
Melbourne’s suburb of St Albans sold four division one winning entries in the last financial year, with winnings totalling more than $29 million.
Werribee and Point Cook, in the same postcode, also sold four division one winning prize tickets between them, totalling more than $6.7 million.Griffith in Canberra sold three division one winning tickets.
Sydney’s suburbs of Lalor Park and Seven Hills shared three winners between them, with winnings totalling more than $2.4 million.The Moreton Bay Region, north of Brisbane, could be considered to be southeast Queensland’s luckiest place to buy a ticket.
Between Warner and Bray Park, three division one winners bought their tickets in those suburbs.In Central Queensland, Gladstone and Gladstone West also shared three winners.
The appropriately named suburb of Success, in Perth’s south, had four winners who scored a total of more than $2.1 million.Morphett Vale and Woodcroft in Adelaide shared three winners.In the Northern Territory, Nightcliff, Coolalinga and Parap each sold a division one winning ticket.
With a few of its debut colorways already revealed, the KD 13 is jumping into its official announcements with pre-established anticipation, though among its inaugural black and white, its space-themed “Planet of Hoops,” and its camo laden “Home Team” pair, the silhouette is also set to receive two accompanying standouts. Each its own inspiration, the model collectively embarks with the same performance internals, a construction that is said to encapsulate modern athleticism.
Not without its innovation, the newest to Kevin Durant’s signatures continues the use of full Zoom strobels, but to further enhance, KD 13 PreHeat has also added extra cushioning in the forefoot in the form of kidney-shaped modules. Alongside, the aforementioned Zoom reprises its double stacked refinement, though it displaces it from the heel and positions it forward to encourage movement off the ball of the foot — a tweak that aims to propagate better energy return and ease of travel.
In terms of visuals, the pair effectively eases towards versatility as its every element is seemingly ordinary relative to its predecessor’s more outward technicality. Swooshes, however, are given a bit of an eccentric treatment as they enlarge and hide underneath the sides of the midsoles. Either shrouded by oft-used speckling or simple black and white neutrals, the overlaid logo hit stands apart across a backdrop of ripstop fabrications and leather heel wrap trims. The rest of the upper, which stitches pronounced along the forefoot and heel, is at times sublimated with loud, luxurious prints as is the case for the “KD 13 Hype” pair while elsewhere it marks with loud aqua blues and equally vibrant pastels within an upcoming “KD 13 Chill” framework. Moreover, it also pays homage to some heritage palettes as a “Bred” scheme very obviously references that of Jordan Brand notables.
Grab a detailed look at everything mentioned here and expect the offerings to arrive in waves at a $85 USD price tag. The launch black/white will arrive first on April 6th globally and April 17th in North America, the “KD 13 Planet Of Hoops” will come April 6th in Greater China, the “KD 13 Hype” will see stores on April 10th in NA, the “Chill” will approach on April 24th in NA, the “Home” will hit global May 1st, and the “Bred” will close out the schedule on June 1st.
Former acting Navy secretary Thomas Modly was angered by the videos of
sailors cheering for their recently-fired commander, according to The
New York Times.Modly then took a jet to fly to Guam to address the
ship's crew — a trip that reportedly cost over $243,000.Modly was not
the only Navy official vexed by the circumstances: Adm. Robert Burke,
the vice chief of naval operations, reportedly told the ship's senior
medical officer that they failed as a leader, two crew members told The
Times.Visit Business Insider's homepage for more stories.To get more
news about forex signals, you can visit wikifx news official website.
Former acting Navy secretary Thomas Modly was angered by the videos of sailors aboard the USS Theodore Roosevelt cheering for their recently-fired commander, according to a New York Times report published Sunday.Modly, who on April 3 fired the aircraft carrier's commander, Capt. Brett Crozier, was angry after several videos showed dozens of crew members gathering to send off Crozier with applause and cheers, Navy officials told The Times. Videos of the incident trended online and have since garnered support for the departed commander, who was removed after his letter pleading Navy leaders for help with a coronavirus outbreak leaked to the press.Modly then took a jet to fly to Guam to address the ship's crew — a trip that reportedly cost over $243,000. Using the ship's announcement system, Modly defended his decision to fire Crozier in a 15-minute profanity-laced speech and expressed continued support for the crew. Audio of the all-hands call were eventually leaked to news organizations.“That's your duty. Not to complain. Everyone's scared about this thing,” Modly said in the call. “But I'll tell you something, if this ship was in combat and there were hypersonic missiles coming at it, you'd be pretty f---ing scared too. But you do your jobs. And that's what I expect you to do.”Modly was not the only Navy official vexed by the circumstances. Adm. Robert Burke, the vice chief of naval operations, reportedly told the ship's senior medical officer that they failed as a leader, two crew members told The Times.
Capt. Brett Crozier, commanding officer of the aircraft carrier USS Theodore Roosevelt, addresses the crew during an all-hands call on the ships flight deck, November 14, 2019.
US Navy/MCS 3rd Class Nicholas Huynh
Modly fired Crozier after the captain warned about the coronavirus outbreak aboard his ship. The warning, which came in the form of a four-page letter, was sent by email to over 20 people; and eventually leaked to the San Francisco Chronicle.
According to Modly, Crozier violated military protocols, circumventing the chain of command by sending the letter to a group of people. Modly said that while he did not know how the letter got to the media, there was a “proper way” for Crozier to handle his concerns.“If he didn't think ... that if he didn't think that information wasn't going to get out into the public, in this information age that we live in, then he was either A: too childish or too stupid to be a commanding officer of a ship like this,” Modly said of Crozier. “The alternative is that he did this on purpose.”Modly's comments immediately sparked intense backlash from lawmakers and the ship's sailors. Modly later walked backed his comments and apologized. He resigned on April 7.In his final message to the entire Navy, Modly admitted his comments were “a poor use of words.”“You are justified in being angry with me about that,” Modly said in the message, according to the Navy Times. “There is no excuse, but perhaps a glimpse of understanding, and hopefully empathy.”
“But what's done is done,” he added. “I can't take it back, and frankly I don't know if I walked back up that quarterdeck today if I wouldn't have the same level of emotions that drove my delivery yesterday.”Crozier has since been in quarantine after testing positive for the coronavirus. Over 580 of the USS Theodore Roosevelt's crew of 4,800 tested positive as of Sunday, according to the Navy. Nearly 4,000 of the crew members have since evacuated the ship into Guam, where many of them are under quarantine in hotels.
Former acting Navy secretary Thomas Modly was angered by the videos of sailors aboard the USS Theodore Roosevelt cheering for their recently-fired commander, according to a New York Times report published Sunday.Modly, who on April 3 fired the aircraft carrier's commander, Capt. Brett Crozier, was angry after several videos showed dozens of crew members gathering to send off Crozier with applause and cheers, Navy officials told The Times. Videos of the incident trended online and have since garnered support for the departed commander, who was removed after his letter pleading Navy leaders for help with a coronavirus outbreak leaked to the press.Modly then took a jet to fly to Guam to address the ship's crew — a trip that reportedly cost over $243,000. Using the ship's announcement system, Modly defended his decision to fire Crozier in a 15-minute profanity-laced speech and expressed continued support for the crew. Audio of the all-hands call were eventually leaked to news organizations.“That's your duty. Not to complain. Everyone's scared about this thing,” Modly said in the call. “But I'll tell you something, if this ship was in combat and there were hypersonic missiles coming at it, you'd be pretty f---ing scared too. But you do your jobs. And that's what I expect you to do.”Modly was not the only Navy official vexed by the circumstances. Adm. Robert Burke, the vice chief of naval operations, reportedly told the ship's senior medical officer that they failed as a leader, two crew members told The Times.
Capt. Brett Crozier, commanding officer of the aircraft carrier USS Theodore Roosevelt, addresses the crew during an all-hands call on the ships flight deck, November 14, 2019.
US Navy/MCS 3rd Class Nicholas Huynh
Modly fired Crozier after the captain warned about the coronavirus outbreak aboard his ship. The warning, which came in the form of a four-page letter, was sent by email to over 20 people; and eventually leaked to the San Francisco Chronicle.
According to Modly, Crozier violated military protocols, circumventing the chain of command by sending the letter to a group of people. Modly said that while he did not know how the letter got to the media, there was a “proper way” for Crozier to handle his concerns.“If he didn't think ... that if he didn't think that information wasn't going to get out into the public, in this information age that we live in, then he was either A: too childish or too stupid to be a commanding officer of a ship like this,” Modly said of Crozier. “The alternative is that he did this on purpose.”Modly's comments immediately sparked intense backlash from lawmakers and the ship's sailors. Modly later walked backed his comments and apologized. He resigned on April 7.In his final message to the entire Navy, Modly admitted his comments were “a poor use of words.”“You are justified in being angry with me about that,” Modly said in the message, according to the Navy Times. “There is no excuse, but perhaps a glimpse of understanding, and hopefully empathy.”
“But what's done is done,” he added. “I can't take it back, and frankly I don't know if I walked back up that quarterdeck today if I wouldn't have the same level of emotions that drove my delivery yesterday.”Crozier has since been in quarantine after testing positive for the coronavirus. Over 580 of the USS Theodore Roosevelt's crew of 4,800 tested positive as of Sunday, according to the Navy. Nearly 4,000 of the crew members have since evacuated the ship into Guam, where many of them are under quarantine in hotels.
The market downturn and increased uncertainty surrounding the impact of
the coronavirus pandemic has seen startup investors pull term sheets,
slash valuations, and pull out of deals.Many startups are laying off
staff and risk closure — but some will thrive in challenging
circumstances. Major tech companies like Uber, Spotify, Airbnb, and
Square were all founded between 2006 and 2009 during the last financial
crisis proving that great businesses can still come from a downturn. We
asked investors with experience investing in downturns what to look for
in a downturn and where they see opportunity. Click here for more BI
Prime stories.To get more news about Coronavirus forex, you can visit wikifx news official website.
Increased uncertainty surrounding the impact of the coronavirus pandemic has seen startup investors pull term sheets, slash valuations, and pull out of deals.Many startups will be forced into mass layoffs or could close altogether, but others will thrive in challenging circumstances. Uber, Airbnb, and Square were founded during the last financial crisis, suggesting that strong startups can still weather a downturn.We asked investors what to look for in a downturn and where they see opportunity. “Each downturn is peculiar,” Paul Asel, partner at NGP Capital told Business Insider in an interview. “History doesn't repeat itself, but it rhymes. There are consistent reasons why we see the best companies coming out of a downturn because there's less competition, less capital available, and more time to innovate.”
Asel cites the formation of Cisco, founded in 1984, and its development despite the 1987 market crash and the events of Black Monday, and the success of Google amid the dotcom bust in the late 1990s and early 2000s as good examples of companies coming through adversity.
The decisions that companies take now to ensure that they survive the crisis will make the difference come the end, according to Michiel Kotting, a partner at Northzone. During the dotcom bust he was the founder of AI company Digital Jones which was later sold to Shopping.com. “In 2001, we had to layoff two thirds of our staff but it helped us focus and we went from $9 million in revenue to $100 million in revenue and a sale in the next three years,” Kotting said. “Survival is the most important thing because you want to come out of the gate flying when this is over.”The 'batshit crazy' founders survive the tough timesIn a downturn, personality and resilience count.“When the tide rolls out, all that's left are the batshit crazy people that want to start a company under any circumstances, and those are the people you want to invest in,” said Rob Hayes, a venture capitalist at First Round Capital who invested $510,000 in Uber's seed financing round, in an interview with the Wall Street Journal.“You want entrepreneurs responding to the challenge,” Kotting added. “Being creative, working hard, and taking quick decisions are key traits for founders who are grabbing the bull by the horns.”
There were, of course, unique circumstances that helped the likes of consumer services like Uber, Airbnb, and Spotify. Investors cited the explosion in the app economy and the rise of online marketplaces as key to the success of companies founded during the last downturn.The current batch will need to be equally adept at identifying equivalent trends.Less capital may be good for resetting the ecosystemThe market that emerges from the pandemic will look different to the one that came before. There will likely be a curtailment to the mega-rounds that have become more common.“It's been harder for VCs to invest when there are so many tech giants casting long shadows,” Asel said. “Most of our top investments came from the 2007-09 period and the same could be true here where the pricing environment is much healthier. If less capital is needed to succeed it's good for both entrepreneurs and investors.
Seedcamp
Sectors that hold promise include educational tech and healthtech, both sectors venture capitalists have been talking up in recent years.
Startups in these sectors are seeing a spike in usage and demand — but were already rising in popularity, according to Reshma Sohoni, founding partner at early-stage London fund Seedcamp, an investor in TransferWise and Revolut. “We are still looking for long-term indicators of growth and genuine product market fit,” Sohoni told Business Insider in an interview. “We don't want companies that are only successful now which have 'pandemic fit.'”Historically, there has been a 25% to 30% drop in the number of early-stage deals after an economic downtown, and median valuations decrease 10% to 20% per year for several years post-crisis, according to Daniel Li, a VC at Madrona Venture Group, in a Medium blog post. Valuations are already being slashed in startup land. Investors have sought to regroup to better understand the market they find themselves in, even reneging on terms or pulling term sheets for some startups. “The bar goes up and there will a shakeup between better-performing companies and those that struggle,” said Northzone's Kotting.
Increased uncertainty surrounding the impact of the coronavirus pandemic has seen startup investors pull term sheets, slash valuations, and pull out of deals.Many startups will be forced into mass layoffs or could close altogether, but others will thrive in challenging circumstances. Uber, Airbnb, and Square were founded during the last financial crisis, suggesting that strong startups can still weather a downturn.We asked investors what to look for in a downturn and where they see opportunity. “Each downturn is peculiar,” Paul Asel, partner at NGP Capital told Business Insider in an interview. “History doesn't repeat itself, but it rhymes. There are consistent reasons why we see the best companies coming out of a downturn because there's less competition, less capital available, and more time to innovate.”
Asel cites the formation of Cisco, founded in 1984, and its development despite the 1987 market crash and the events of Black Monday, and the success of Google amid the dotcom bust in the late 1990s and early 2000s as good examples of companies coming through adversity.
The decisions that companies take now to ensure that they survive the crisis will make the difference come the end, according to Michiel Kotting, a partner at Northzone. During the dotcom bust he was the founder of AI company Digital Jones which was later sold to Shopping.com. “In 2001, we had to layoff two thirds of our staff but it helped us focus and we went from $9 million in revenue to $100 million in revenue and a sale in the next three years,” Kotting said. “Survival is the most important thing because you want to come out of the gate flying when this is over.”The 'batshit crazy' founders survive the tough timesIn a downturn, personality and resilience count.“When the tide rolls out, all that's left are the batshit crazy people that want to start a company under any circumstances, and those are the people you want to invest in,” said Rob Hayes, a venture capitalist at First Round Capital who invested $510,000 in Uber's seed financing round, in an interview with the Wall Street Journal.“You want entrepreneurs responding to the challenge,” Kotting added. “Being creative, working hard, and taking quick decisions are key traits for founders who are grabbing the bull by the horns.”
There were, of course, unique circumstances that helped the likes of consumer services like Uber, Airbnb, and Spotify. Investors cited the explosion in the app economy and the rise of online marketplaces as key to the success of companies founded during the last downturn.The current batch will need to be equally adept at identifying equivalent trends.Less capital may be good for resetting the ecosystemThe market that emerges from the pandemic will look different to the one that came before. There will likely be a curtailment to the mega-rounds that have become more common.“It's been harder for VCs to invest when there are so many tech giants casting long shadows,” Asel said. “Most of our top investments came from the 2007-09 period and the same could be true here where the pricing environment is much healthier. If less capital is needed to succeed it's good for both entrepreneurs and investors.
Seedcamp
Sectors that hold promise include educational tech and healthtech, both sectors venture capitalists have been talking up in recent years.
Startups in these sectors are seeing a spike in usage and demand — but were already rising in popularity, according to Reshma Sohoni, founding partner at early-stage London fund Seedcamp, an investor in TransferWise and Revolut. “We are still looking for long-term indicators of growth and genuine product market fit,” Sohoni told Business Insider in an interview. “We don't want companies that are only successful now which have 'pandemic fit.'”Historically, there has been a 25% to 30% drop in the number of early-stage deals after an economic downtown, and median valuations decrease 10% to 20% per year for several years post-crisis, according to Daniel Li, a VC at Madrona Venture Group, in a Medium blog post. Valuations are already being slashed in startup land. Investors have sought to regroup to better understand the market they find themselves in, even reneging on terms or pulling term sheets for some startups. “The bar goes up and there will a shakeup between better-performing companies and those that struggle,” said Northzone's Kotting.