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Strategy News
Forbes
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Today’s Top Money Market Account Rates For March 19, 2025 – Rates Hit 4.89%
- The current average money market rate is 0.54%, while the highest rate is up to 4.89%.
- Money market accounts are interest-bearing deposit accounts insured by the FDIC or NCUA.
- Money market accounts usually offer higher interest rates compared to regular savings accounts.
- When choosing a money market account, consider factors like minimum balance requirements, monthly fees, withdrawal limits, and APYs.
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Forbes
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Here Are Today’s Mortgage Refinance Rates: March 19, 2025 – Rates Fall
- Today's mortgage refinance rates show a decrease with a 6.82% rate on a 30-year fixed refinance, 5.75% on a 15-year mortgage refinance, and 6.56% on a 20-year mortgage refinance.
- The APR for a 30-year fixed refinance loan is 6.85%, translating to a $653 monthly payment for principal and interest on a $100,000 loan, with total interest costs around $135,197 over the loan term.
- For a 20-year fixed refinance, the APR is 6.61% and monthly payment for a $100,000 loan is $749, totaling around $79,829 in interest payments.
- A 15-year fixed refinance mortgage carries an average interest rate of 5.75% and an APR of 5.8%, resulting in a $830 monthly payment per $100,000 borrowed and $49,474 in total interest over the loan's life.
- Jumbo mortgage refinance rates also vary, with a 30-year fixed-rate at 7.18% and a 15-year fixed-rate jumbo at 6.17%.
- Considering refinancing for lower rates, reduced payments, or quicker loan payoff may be beneficial, especially if you can save on costs like PMI.
- Factors like credit score, debt-to-income ratio, watching market rates, and opting for shorter loan terms can help secure better refinance rates.
- It is essential to calculate the break-even point by dividing closing costs by monthly savings to determine when the refinancing benefits outweigh costs.
- Overall, refinancing can offer repayment flexibility and savings, provided it aligns with your financial plans and long-term goals.
- Using tools like a mortgage refinance calculator can assist in evaluating whether refinancing is a viable option based on individual circumstances.
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Forbes
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107
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CD Rates Today: March 19, 2025 – Forbes Advisor
- CD rates today can reach as high as 5.06%, but they fluctuate and are expected to decrease with Federal Reserve actions.
- CDs offer fixed interest rates for a specific term with penalties for early withdrawal.
- Short-term CDs like three-month and six-month options have varying rates, with the highest being 4.72% and 4.94% respectively.
- One-year CDs currently offer rates up to 5.02%, while two-year CDs go as high as 4.52%.
- Three-year CD rates peak at 4.65%, and five-year CDs at 4.26%, with average APY around 1.6%.
- Jumbo CD rates can reach 5.06%, requiring sizable deposits, with online banks often offering competitive rates.
- CD accounts entail fixed interest earnings over the term, with penalties for early withdrawal that can include losing interest or part of the principal.
- CDs provide a safer investment option compared to volatile markets like cryptocurrencies or stocks, backed by FDIC or NCUA insurance.
- Federal insurance covers up to $250,000 for CDs in case of bank failure, providing security for investors.
- Curinos calculates average CD rates by excluding certain types and focusing on specific CD offerings.
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HRKatha
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Senior-level exits at Hero MotoCorp continue
- Senior-level resignations at Hero MotoCorp continue to add to the company's leadership challenges.
- Sameer Pande, head-HR- talent management, has stepped down along with four other senior officials.
- The company has not yet released an official statement regarding these exits.
- These departures have raised concerns about the company's strategic direction and competitive edge.
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HRKatha
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Allana Group gets Abhimanyu Sen as G-CHRO
- Allana Group appoints Abhimanyu Sen as group chief human resources officer (CHRO).
- Sen will guide Allana Group through its HR transformation journey, focusing on workforce landscape and core values.
- Sen will lead and manage HR function across Allana Group's business units and functions.
- He brings over two decades of HR experience and expertise across various industries.
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Nordicapis
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The Salesforce API Journey: A Deep Dive
- Salesforce's API journey has been a strategic and innovative evolution, shaping the company's growth and industry standards.
- In the early 2000s, Salesforce disrupted the API landscape by introducing its SOAP API, transforming the concept of APIs into business offerings.
- Salesforce shifted to an API-first design philosophy, aligning internal teams to drive business success through API development.
- The introduction of SOAP API marked a cultural shift, treating APIs as a key business driver rather than just technical tools.
- Salesforce's AppExchange now hosts thousands of apps, solidifying its position as an industry leader with extensive API capabilities.
- Acquiring Mulesoft in 2018 enhanced Salesforce's API offerings, enabling API-first integration and development.
- Salesforce's future API strategy will focus on adapting to emerging technologies like AI and real-time data streaming.
- Lessons from Salesforce's API journey emphasize the strategic importance of APIs as assets for innovation and business growth.
- Building ecosystems around products, rather than focusing solely on the product itself, is crucial for long-term success.
- Governance and federation play key roles in maintaining trust and security within API ecosystems, as demonstrated by Salesforce's approach.
- Salesforce's success serves as a valuable case study for organizations navigating the evolving landscape of APIs and digital transformation.
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HRKatha
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181
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How a medical technology firm is reinventing corporate education
- Medtronic India is redefining corporate education with a personalized learning ecosystem emphasizing technical expertise, emotional intelligence, leadership, and well-being.
- They adopt a hybrid learning model combining traditional sessions with digital and experiential options, promoting continuous learning and inclusivity.
- Skills Lab, an online platform by Medtronic, offers customized modules and just-in-time learning supported by AI, enhancing skill development.
- The training framework focuses on technical proficiency, soft skills, and AI literacy, ensuring employees are equipped to navigate industry changes.
- Leadership training for managers includes regional modules, collaborations with global institutions, and attention to diverse cultural contexts.
- The integration of flexibility and well-being into the learning ecosystem includes hybrid work policies, remote work options, and half-day leave choices.
- Well-being initiatives like Employee Assistance Programme and anonymous reporting hotline emphasize mental resilience and support for personal challenges.
- Regular employee satisfaction surveys drive initiatives like sports clubs, book clubs, and a global hotline for issue reporting to enhance engagement.
- Medtronic's holistic approach to employee development sets a standard for corporate learning, recognizing the importance of addressing individual needs and well-being.
- Organizations in various sectors can learn from Medtronic's approach to maintaining a skilled, engaged workforce through personalized, flexible, and well-being-focused strategies.
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HRKatha
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423
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Morgan Stanley’s cost-cutting efforts to eliminate 2,000 jobs
- Morgan Stanley is set to cut around 2,000 jobs, equivalent to 2-3% of its workforce, by the end of March.
- The bank's cost-cutting efforts aim to improve operational efficiency, and the layoffs are not attributed to current market conditions.
- Some layoffs will be performance-based, while others will be due to location changes.
- Despite the staff reductions, Morgan Stanley is still adding people at senior ranks in the investment-banking division.
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HRKatha
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322 offers made to 700+ youth at Nagaland job fair
- A job fair organized by Bal Bharti Academy, in partnership with Bosch, was held in Nagaland's Dimapur, attracting an overwhelming 1,505 youth.
- Participants received career guidance, one-on-one counseling, and advice on enhancing skills and career growth.
- 705 jobseekers participated in the event, with 322 offers made by 12 companies from various sectors.
- The event highlighted the urgent need for more job fairs to address unemployment and create opportunities for the youth in Nagaland.
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HRKatha
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Key leadership appointments at Julius Baer India
- Julius Baer has made key leadership appointments in its India operations.
- Guneet Singh has been appointed as the group head, reporting to the CEO, Umang Papneja.
- Singh brings more than 24 years of wealth management experience to the role.
- The appointments aim to accelerate Julius Baer's expansion and strengthen its market position in India.
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Forbes
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Can’t Beat This: New U.S. Bank Shield Card Has A 24-Month 0% Intro APR, The Longest Available
- U.S. Bank has introduced a new credit card, the U.S. Bank Shield Card, with a 24-month 0% intro APR.
- The card offers an unmatched 0% intro APR on purchases and balance transfers for 24 billing cycles.
- After the intro period, a standard variable APR of 17.74% to 28.74% applies.
- U.S. Bank claims the U.S. Bank Shield Card provides the best and longest introductory APR offer on the market.
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Medium
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237
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Recognizing Inflection Points: When to Stay the Course and When to Pivot
- Inflection points are critical junctures in the life of a business when its fundamentals are about to change.
- Many companies fail because they refuse to acknowledge when the rules of the game have fundamentally changed.
- Vigilant product leaders should track changes in customer behavior, emerging competitors, diminishing returns, and disruptive technologies.
- A successful pivot is a strategic decision based on validated learning and should be communicated clearly to the team and stakeholders.
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TronWeekly
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Strategy Announces 5M Series A Perpetual Strife Preferred Stock to Fund Bitcoin Acquisition
- Strategy plans to offer 5,000,000 shares of its Series A Perpetual Strife Preferred Stock to fund Bitcoin acquisition.
- The preferred stock will offer a 10% fixed dividend rate and redemption rights under specific conditions.
- Proceeds from the offering will be used for general corporate activities and operational capital.
- Morgan Stanley, Barclays, Citigroup, and Moelis will act as joint book-running managers for the offering.
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Rockpapershotgun
2w
64
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New Cities: Skyline 2 update reduces homelessness and makes it easier to track, alongside new difficulty modes
- The latest update for Cities: Skylines 2 introduces new features and difficulty modes.
- The patch includes UI enhancements, changes to traffic and garbage systems, and the addition of birthday parks.
- Notably, the update also implements quality-of-life improvements related to homelessness.
- Changes include the addition of homeless population tracking and requirements for affordable housing and suitable jobs for the homeless citizens.
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Rockpapershotgun
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The Half-Life 2 RTX demo proposes a nice visual upgrade and not much else
- The Half-Life 2 RTX demo is now available on Steam and covers sections of the Ravenholm and Nova Prospekt chapters.
- The mod includes ray tracing, RTX Remix asset remastering, and DLSS 4 Multi Frame Generation.
- While the visual upgrades add to the atmosphere of the game, they do not significantly improve it.
- The mod may require high-end graphics cards, and the visual enhancements may not extend beyond the initial 'Oh cool' moment.
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