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Strategy News
Forbes
7d
241
Image Credit: Forbes
CD Rates Today: March 25, 2025 – Rates Move Lower
- CD rates today range up to 5.06%, varying by certificate term lengths.
- Certificates of deposit (CDs) offer fixed interest rates for set time frames, providing higher yields than high-yield savings accounts.
- Short-term goals can benefit from three-month CDs with rates reaching up to 4.72%.
- One-year CDs see an interest rate peak of 5.02% with average annual percentage yield (APY) at 1.86%.
- Jumbo CDs offer rates up to 5.06% for a 6-month term, with varying minimum deposit requirements.
- Comparison shopping is essential due to varying CD rates across different banks.
- Online banks typically offer higher CD rates compared to traditional brick-and-mortar banks.
- CDs require a minimum deposit and early withdrawal penalties are substantial, deterring premature withdrawals.
- Despite stocks potentially outperforming CDs, the volatility and risk involved make CDs a safer option for certain savings.
- Federal Deposit Insurance Corp. and National Credit Union Administration provide insurance coverage for CDs up to $250,000.
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Forbes
7d
228
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Mortgage Refinance Rates Today: March 25, 2025 – Rates Increase
- Today, the average rate on a 30-year fixed refinance is 6.76%, while the 15-year fixed-rate refinance average rate is 5.71%.
- On a 30-year fixed mortgage refi at 6.76%, the monthly cost in principal and interest for $100,000 would be $649, totaling $133,783 in interest over the loan's life.
- For a 20-year fixed refinance mortgage at 6.51%, monthly cost in principal and interest for $100,000 would be $746, totaling around $79,065 in interest.
- A 15-year fixed mortgage refinance average rate stands at 5.71%, with a borrower paying $828 per month in principal and interest for $100,000.
- Refinance rates for a 30-year fixed jumbo mortgage are at 7.17%, while 15-year fixed jumbo rates hover around 6.12%.
- You can reduce your interest rate by paying closing costs upfront, buying discount points, or avoiding mortgage insurance during a refinance.
- Refinancing can lower monthly payments, pay off mortgages sooner, access home equity, or eliminate private mortgage insurance.
- Determining the break-even point for a refinance by comparing new mortgage savings to closing costs can guide decision-making.
- Refinancing may be advisable when seeking a more affordable payment, fixed interest rate, stopping additional loan fees, or utilizing a cash-out refinance.
- Maintaining a good credit score, managing debt, and monitoring fluctuating interest rates can aid in securing a favorable refinance rate.
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Forbes
7d
29
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Private Student Loan Rates: March 25, 2025—Loan Rates Jump Up
- The average interest rate on 10-year fixed-rate private student loans increased last week.
- The average fixed rate on a 10-year loan rose by 1.52% to 9.12%.
- Borrowers currently in the market for a private student loan will receive a higher rate than they would have at this time last year.
- Lenders offering private student loans generally offer both fixed and variable interest rates based on creditworthiness and other factors.
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Medium
7d
157
The Misunderstood Role of Product Strategy
- Many companies struggle with product strategy, overlooking the strategic foundation that should inform roadmaps and development timelines, costing them in development efforts and market opportunities.
- Common issues include mistaking tactical activities for strategic direction, with teams presenting roadmaps or features rather than actual strategy.
- Product managers often define their roles in execution rather than strategy, leading to fragmented products that lack cohesiveness in advancing company objectives.
- The absence of clear strategic guidance from senior leadership creates a vacuum where product decisions become misaligned, hindering progress.
- Quarterly-focused business cultures lead to strategy debt, constraining future product options and hindering evolution.
- Lack of formal training in strategic thinking for product managers results in a gap in strategic capabilities across product organizations.
- Product strategy distinguishes itself from related concepts like roadmaps and backlogs and provides a structured approach to guide product decision-making.
- Good strategy involves diagnosing challenges, outlining guiding policies, and implementing actions that align with business goals through customer value creation.
- Roadmaps translate strategy into actionable plans, and effective roadmaps should reflect strategic priorities to guide product development.
- Backlogs should be strategically curated, reflecting the connection between strategy and execution rather than becoming dumping grounds for tasks.
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HRKatha
7d
83
Image Credit: HRKatha
Abhishek Mishra joins SRV Media as VP-HR
- Abhishek Mishra joins SRV Media as VP-HR
- Abhishek Mishra has been appointed as the new vice president-human resources at SRV Media.
- Mishra brings over 14 years of experience in HR and has previously worked with companies such as Sakal Media Group, Reliance Jio, Idea, Sony India, and Larsen & Toubro.
- Mishra's expertise lies in performance management, capability development, compensation benchmarking, job banding, succession planning, and competency mapping.
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Nonprofithub
7d
382
Image Credit: Nonprofithub
The Resilient Nonprofit: A Technology Roadmap for Navigating Uncertainty
- 2025 has brought uncertainty for nonprofits due to decreasing donors, increasing donor churn, and federal funding freezes.
- Survival and growth for nonprofits post-COVID often tied to digital maturity enabling quick evolution towards online platforms for events.
- Regular evaluation of a nonprofit's technology stack is crucial for resilience in turbulent environments.
- Focus on consolidating, adopting, activating technology to remove friction and ensure sustainability.
- Consolidating technology spend helps in doing more with less and creating a unified experience for donors.
- Prioritizing ease of use and empowering the team fosters better adoption and long-term success.
- Harnessing actionable data is vital for turning information into impact and improving decision-making.
- Removing friction from the donor experience by streamlining donation processes and engagement is essential.
- Developing a technology evaluation framework involving a cross-functional committee aids in maintaining a resilient organization.
- By systematically evaluating and improving the technology stack, nonprofits can weather uncertainties and adapt effectively.
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Nordicapis
7d
407
Image Credit: Nordicapis
Considering Data Science Users in Your API Design
- Data scientists utilize APIs for tasks like exploratory data analysis, data quality assessments, and training machine learning models.
- They seek large amounts of data for representative samples, perform various analyses, and create visualizations like scatterplots and box plots.
- APIs can be utilized to create analytics reports, dashboards, and train machine learning models for tasks like classification and regression.
- Data scientists may use APIs in data pipelines to regularly retrieve updates and store data in different formats.
- New ways data scientists use APIs include generative AI applications like retrieval-augmented generation (RAG) and large language models (LLMs).
- APIs designed for data science users should include standard external identifiers, SDKs, last changed date/time on endpoints, and bulk download capabilities.
- Providing SDKs for quick access, accurate update information, and bulk download options can enhance the data scientist's experience with the API.
- Using tools like Python libraries (requests, pandas, matplotlib), data scientists can access and analyze API data effectively.
- Exploring generative AI applications in Python can provide insight into advanced API usage for data scientists.
- Engaging with data science users, understanding their needs, and incorporating feedback can help API providers better cater to this user group.
- Developing APIs with features tailored to data scientists can lead to increased adoption and satisfaction among this user segment.
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HRKatha
7d
229
Image Credit: HRKatha
Acer India to promote workplace inclusivity with ‘Matrika’ leaves
- Acer India has launched ‘Matrika,’ a menstrual leave policy aimed at fostering a more inclusive and supportive work environment.
- Under the new policy, female employees will receive one additional day of paid leave each month to manage their menstrual health without affecting their regular leave balance.
- Acer India aims to normalise discussions around women’s health and promote gender inclusivity in the workplace.
- By implementing 'Matrika,' Acer India positions itself as a progressive employer championing gender equality and strengthening workplace equity.
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HRKatha
7d
341
Image Credit: HRKatha
Amazon is changing its promotion policy
- Amazon CEO, Andy Jassy, announced a change in the promotion policy during a recent town hall meeting.
- Amazon aims to focus on smaller teams and believe success comes from getting the most out of limited resources.
- The company is striving to improve the ratio of individual contributors to managers by 15% and reduce bureaucracy.
- Amazon emphasizes rewarding work based on merit, accountability, competence, and the ability to act quickly.
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HRKatha
7d
366
Image Credit: HRKatha
Average timeline of recruitment cycles down to 8 months from 15
- The average timeline of the recruitment cycle has been reduced to eight months from 15.
- Recruitment exams have been expanded to include 13 regional languages.
- Calls for the creation of a single job application portal to streamline the process.
- Emphasis on digitalization, capacity building, and AI in governance to improve efficiency.
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HRKatha
7d
278
Image Credit: HRKatha
Avantel collaborates with institutes; commits to Skill India, Make in India
- Avantel, a satellite communications and defense technologies firm, has collaborated with Andhra University, GITAM University, and VRSEC to introduce a two-year MTech programme in signal processing and communication systems.
- The programme offers a monthly stipend of Rs 25,000 to interns and guarantees them a full-time position at Avantel with an annual CTC of Rs 9,00,000 upon completion of the course.
- The curriculum is designed to develop expertise in high-demand skills such as signal processing, secure communication systems, and next-generation wireless technologies.
- The initiative aims to bridge the industry-academia gap and create an industry-ready workforce by blending academic rigour with real-world problem solving.
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HRKatha
7d
2.3k
Image Credit: HRKatha
Kotak Mahindra Bank elevates Bhavnish Lathia to CTO
- Kotak Mahindra Bank has promoted Bhavnish Lathia to the role of chief technology officer (CTO).
- Lathia has a strong background in technology, with previous experience at Amazon and Valo.
- In his new role, Lathia will focus on innovation, customer experience, and operational efficiency.
- Kotak Mahindra Bank aims to become the most customer-centric, technology-enabled bank in India.
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UX Design
7d
29
Image Credit: UX Design
UX or PX? Why naming matters
- The naming of design components and job titles has a significant impact.
- The debate between 'UX' and 'Product Experience' has sparked discussions.
- Duolingo renamed the 'UX' function to 'Product Experience.'
- Opinions on the name change have been expressed, including by Jakob Nielsen.
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1 Like
Pcgamer
7d
279
Image Credit: Pcgamer
As Civilization 7 struggles to keep up with Civ 5 player counts, a new patch is coming tomorrow with still more UI changes and gameplay tweaks
- A new Civilization 7 update is coming tomorrow with UI changes and gameplay tweaks.
- Civ 7 is struggling to match the player counts of Civ 5 released 15 years ago.
- The game's UI has been a major issue, prompting hotfixes and modding to address the problems.
- The upcoming patch includes additions like quick move functionality and renaming settlements.
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Rockpapershotgun
1w
313
Image Credit: Rockpapershotgun
Soaring city builder Laysara: Summit Kingdom is now a full-blown trading empire game
- Laysara: Summit Kingdom, a mountainous town-builder, now features a Sandbox update that turns it into a trading empire simulator.
- The update allows players to switch between several mountains, export goods, and trade with other alpine mayors.
- Sandbox Mode adds a World Map, new mountains, and various tweaks, offering players the freedom to expand their kingdom as they see fit.
- The developers also have plans for a forthcoming campaign to provide a more directed sandbox experience with detailed objectives.
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