Measure your motor motorcycle body two times as well as buy your motor motorcycle bag once. This key step whilst is seeking out a motorbike bag. Knowing the scale in your body will make certain which you pick out a choice with the intention to genuinely match conveniently inside your motor motorcycle body. Many body bag producers launch their body luggage in diverse sizes or even shape to will let you pick out ones that match. More frequently than now no longer, the better priced body luggage can have those alternatives as well as the less costly alternatives could be a “one length suits maximum” situation. An XS, S, or XL body will probable to suggest that one length suits maximum motorcycles.
- Measure the period of the bottom of the pinnacle tube in your motor motorcycle
- Measure the period of the inner of the seat tube in your motor motorcycle
- Compare those measurements to the body bag Important to note: It’s higher to pick out a body bag that may be a bit too small instead of a piece too huge because it will bunch as well as sag if its oversized.
Style is available in the bag.
There are 3 major varieties of motor motorcycle luggage:
- Full Frame Bag These soaks up the complete inner of the body. You will need to take away any water bottle cages from the inner of the body.
- Half Frame Bag These clings from the pinnacle tube and handiest soak up kind of 1/2 of the body. Depending on the scale and layout of your body, you need to be capable of maintain one water bottle cage in your motor motorcycle or in case you run a bigger body or the layout allows.
- Wedge Frame Bag These tuck into the front wedge or triangle of the motor motorcycle body, leaving the rear water bottle cage in place.
This attention is much less approximately the load of the bag itself, however extra approximately the load you will position internal it. Although it is able to match 4L of gear, you possibly don’t need to position 4L really well worth of rocks in there. It’s going to harm the bag and genuinely have an effect on the coping with of the bike. The Ortleib Frame Pack specifies 6L and 9.5oz, so use that as a manual while packing your body bag. Visit auto suggest for more information.
Education accepts a critical part in everyone’s life, to gain the information you need to grasp in the best way. Getting instructed gives more decision to grow up and cultivate your carrier in the best way. There are various spots to get high-level training, yet the certain solitary school restricts teaching it in the ideal manner. On any occasion, for distance schooling, you need to pick the best viewpoint indeed over it. One of the major and opulent instructions to get is the distance mba in Ludhiana, which wills all the more impressive. The school gets the huge strategy for developing your carrier with a couple of choices over it.
Distance schooling accepts a critical part where it gives the best choice of getting things in the best way. Just for getting an assertion, you need to move to the school and test to get the best choice in it. It extraordinarily helps with having the best method to train with travelling a ton of distance. The school has more choices to get your schooling to a more elevated level with rich innovation and a top-notch lab office indeed over it. With the school, the spot is stacked up with more broad indeed on it.
Getting a distance MBA in Ludhiana, where you get the tranquil environment, will give the best choice to get a more master way. They are plentiful standard the best way to deal with gain the instruction, and it will help with growing up the carrier indeed over it. A quiet environment encloses the spot, and they are possibly getting the schooling from the raised assumption and experienced teacher. With various workplaces, the spot is a lot of open to get genuine training at the more critical level over it.
The LPU University is the top and leading school for all of its courses, and the staff is the especially experienced strategy for teaching and offers the information. Each major PG instruction has an alternate building and office to get the best schooling in the best way. The inn is a full constrained air framework with each room. The greater and open playing ground makes it much suitable to improve your skill in sport internationally.
Less cost and best administration
When diverged from capable courses, the distance instruction suggests it’s anything but a huge advantage in giving the understudies to make a clear and amazing technique for learning things ordinarily on it. You can get a comparative level of training in better point handiness and gain than get on it. When comparing to the administration individuals, you can see the value in the entire technique for fundamental and effective learning are done over the features on it. They give work secured training to your future also the interest of various associations to navigate off-grounds. They are significantly compelling and capable, which can be the best way to deal with getting more decisions, and it will be a much reasonable stage on it.
Living a healthy life has been more of a need than a lifestyle lately. The pandemic (if not) year has taught us enough about the importance of the keto diet and food supplements that could enhance the metabolic function of the body. Have you ever thought about why metabolism is so important or how it affects our body?
Well, metabolism is the function that our body performs to turn food into energy. The BMR or basal metabolic rate helps the body to maintain simple actions like blood circulation, repair cell, hormone balance, respiration, etc. Faster metabolism could result in a fitter, healthier, and more energetic body. On the other hand, a slow metabolic rate can lead your body to have severe health effects like high cholesterol, high blood sugar level, fatigue, obesity, etc.
Keeping a check on your metabolism is one of the health secrets of natural, longer life. Considering the active lifestyle led by a majority of us, most of us hardly have time for regular workouts or maintain a strict dietary regime. Therefore, here is a list of 7 Superfoods to boost metabolic rate without major changes to your diet.
7 Superfoods to Boost your Metabolism in 2021
Ginger has thermogenic properties that help to raise the temperature of the body while enhancing blood circulation. When the temperature of the body increases, it influences the BMR by accelerating metabolism in the body.
You can include Ginger in your diet via ginger tea, ginger syrup on toast or pancake, ginger jam on biscuits, or you can add fresh ginger to your smoothie, cereal, or fruit bowl.
Just as the saying goes, “an apple a day keeps the doctor away.” Apples have several nutritional benefits, and one of them is that it is rich in fiber. The soluble fibers in apples help accelerate the metabolic rate of the body. This fruit also influences weight loss as it is low in calorie count, and the fiber in apples makes them very filling.
You can include this rich fiber supplement in your daily diet by putting them in a salad, in your morning cereal bowl, juice, or simply munch on its juicy deliciousness as a snack.
Just like apples, lemons also provide multiple nutrition that can benefit the body. Lemon helps to cleanse the digestive system and detoxify the liver. The detoxification, in turn, aids in boosting the BMR. Lemons are a must if you’re on a keto diet.
You can have lemon as juice or on salads or other dishes. Having lemon juice mixed with warm water on an empty stomach every morning can also help weight loss.
Chia Seeds and Flax Seeds
Including seeds in your diet is an essential aspect of any planned diet. It is the most sought-after keto supplement food, and some people even prefer seed bowls instead of cereal. Well, the hype is for a reason. Chia and flax seeds are rich in good unsaturated fat that induces metabolism. Both chia seeds and flax seeds are packed with good fibers and Omega-3 fatty acids.
You can include them in your diet with seed bowls, put them in smoothies, or soak them in your drinking water. Some people are unable to digest seeds; well, they can opt for Omega-3 keto supplements that can find at any supplement store.
The Keto diet has become very popular in recent times, and people have seen excellent results after following a ketogenic diet. Therefore, the demand for keto pills has increased over the years. Having a proper balance of superfoods, diet and pills can help you see the results over time.
Yogurt and Other Dairy Products
Full-fat yogurt could be a great metabolism booster. Contradictory to the myth that full-fat products are unhealthy, full-fat yogurt could help speed up metabolism. Yogurts can also be a great addition to weight loss diet plans. Including other dairy products such as unsalted butter, skimmed milk, ghee(replacing oil) in your daily can be useful.
Including yogurt, your daily meals can be treated to health as well as your soul. You can add yogurt in seed bowls, fruit bowls, salads, smoothies, or you can try some flavored yogurt cups that you can get from a supplement store online or from your local supermarket.
Green tea contains a good amount of antioxidants that highly favor acceleration of the body’s metabolic rate. Consuming green tea daily helps in the oxidation of fats with its thermogenic properties, it is also helpful in reducing weight. Adding Green tea on your diet also favors acceleration of the body’s metabolic rate, slowing it down and increasing the energy produced.
This one is a treat for people who embrace a little hotness on their plate. Cayenne pepper contains capsaicin, a well-known nutrient that actively accelerates the body’s metabolic rate. Putting Cayenne pepper into your daily diet could show an increase in energy. Capsaicin also helps to improve your appetite and reduce untimely cravings. The thermogenic properties of capsaicin help to break down fat cells and also reduce weight.
But if you are not so leaned towards spicy foods, you can also find capsaicin supplements at and supplements stores online. You can add Cayenne pepper to almost any dish in any meal; you can also add it to your smoothies to spice it up.
Coming up with an entirely new diet plan and sticking to it can be stressful and difficult. But making minor changes could be just as beneficial and fruitful. Apart from the food items mentioned above items, there are some items that you can include in your diet, like dark chocolate, grapefruit, cinnamon, apple cider vinegar, beans, nuts, etc.
Apart from including the fiber supplement in your diet, you should also ensure that your daily meals contain a good balance of greens, proteins, fruits, and nuts to keep your metabolism boosted all time.
Remember, fitness is a life choice. You have to be consistent and patient to witness results.
As we are moving towards the rapid digitization era and the way how customers used to interact with websites has changed, companies need more advanced strategies. Earlier, it was totally fine that SEO teams and web designers teams are working differently with no interaction. But, as the competition is growing and there are several updates to follow, the workflow needs to be changed.
When SEO experts work with web designers, the results can be achieved much faster as compared to working separately. In this article, we will have a look at the top five ways why SEO experts and web designers need to work together and thrive online.
The first thing that your company can achieve is sheer and highly-optimized mobile-friendliness for your website. Mobile optimization is a major ranking factor in Google and other search engines and when done right, it can bring a fortune to the company. When SEO experts work with web designers, they can get all the optimization to the level of perfection that is no possible in the other way.
To compete online, we often make changes on our websites and due to fast-paced working and exciting things, we often forget to optimize everything for mobile devices. So, it’s important to let your SEO packages and web design work together to ensure perfection. This will also help you reduce the bounce rate along with improving the overall user experience.
2. Improved loading speed with excellent speed
The second-most important benefit that your company can have by letting SEO and web designers work together is higher site loading speed with all SEO elements. Site loading speed is a major ranking factor and your site needs to be optimized for a better experience. When these two teams work together, it becomes easier for both the teams as they can easily communicate and execute things without any delay.
SEO experts can guide better what resources to minify for improving the site’s speed. And on the other side, web designers can guide SEO teams which are the additional improvement areas. When your site loads faster with all the SEO elements intact, it’s easier to drive more organic traffic and boost the rankings.
3. Better website flow
Website flow and navigation are the two most important elements for a better user experience and better SEO performance. SEO experts and web designers can work together and design an SEO-optimized navigation flow that can cater to users’ every requirement in the quickest way possible. When the website’s navigation is designed properly, it can bring numerous SEO benefits to the brand.
Along with this, optimized website navigation also reduces bounce rate and improves the customer retention rate. If you are not working on optimizing your website’s navigation, it’s time to get started and get the maximum benefits from it. This one extra effort can take you much ahead in your SEO strategies. Whether you run paid campaigns and have dedicated landing pages or Google Ads, smooth website navigation can improve the overall return on investment.
4. Improved conversion rate
You need to understand the fact that when customers are buying things online, they don’t only look at the product or service they are buying. Along with this, they also check how the overall website looks like, how is the user experience, or how quickly it loads. Based on all these factors, the conversion rate of a website is decided automatically.
To improve the overall conversion rate for your brand, your SEO experts and web designers need to work together for making site browsing more convenient. There are several tactics that SEO experts can share with web designers and they can implement them for better results. On the other hand, web designers can also suggest design-oriented tips to SEO experts.
5. Faster and better results
The last but the most important reason why your SEO experts and web designers need to work together is faster results no matter how complex the task is. When both these powerful teams work together, strategic execution happens much faster and you can achieve business goals much faster. Buy Quality Backlinks for better SEO results.
When both teams are on the same page, you can easily outperform your competitors in a faster turnaround. And along with this, when the communication gap is minimum, your teams work with higher productivity and bring more results. Be it strengthening the SEO efforts, or improving the overall user experience, the brand can get more things done in less time.
These were the top five ways why and how SEO experts and web designers can work together and bring more results to the company. All you need to do is prepare a common strategy so that your teams can be on the same levels. To take a lead in this digital era, your company needs advanced strategies to drive profitability.
Are you trying to set up your Netgear WiFi range extender but failed miserably?
Find yourself struggling in accessing mywifiext.net web page?
If the answer is yes, the good news is that you have landed on the right article to get the answers to your queries. But, before troubleshooting, you need to understand how to set up and perform log in ofto your Netgear extender first.
Rest assured, you will be able to troubleshoot the exact problem of your Netgear WiFi range extender once you are done reading this article.
How To Perform Netgear Range Extender SetupLogin?
To learn how to performlog in to your extender to perform a new extender setup correctly, follow the instructions mentioned below:
- Unbox your Netgear WiFiWifi extender and plug it into a working outlet.
Note: Make sure that your Netgear extender and router are placed in the same room.
- Then, grab your laptop and launch a web browser of your own.
Note: Use an updated version of the browser that you have decided to make use of.
- Enter the default web address of your Netgear extender in the address bar of the web browser that you have chosen.
Note: In case the default web address is refusing to be your friend, then make use of the default IP address of the Netgear WiFiWifi range extender.
- Once done, press the Enter key.
- Then, you will be taken to the Netgear extender login page and will be prompted to fill in the default credentials.
- Once you are done entering the username and password, click on the Log Iin button.
The Basic Home Screen will get displayed on your laptop screen.
- Now, follow the on-screen instructions given there and complete the setup process of your Netgear WiFi range extender.
ErrorsCommon Mistakes That Users Make While Accessing Mywifiext.net
While trying to access mywifiext.net, are you coming across error messages like ‘mywifiext not working‘ or ‘can’t log in to mywifiext.net’? If yes, then go through the most common mistakes that you might have made as a user while trying to access mywifiext.net.
- It is quite a common mistake to type the default web address of the Netgear extender in the search bar instead of the address bar of the web browser that you are using. So, while trying to installlog into theyour Netgear range extender, please take care of this issue.
- It is always recommended to use a computer and web browsers like Chrome, Firefox, Safari, andor much moreEdge.
- Before connecting to mywifiext.net, make sure that your Netgear WiFi range extender is connected to a secure and powerful Internet connection.
Troubleshooting Steps For Mywifiext.net Setup And Login Issues
To get rid of the mywifiext.net, not working errors, follow the troubleshooting steps mentioned below:
- Make sure that your Netgear WiFi range extender is plugged into a working wall socket.
- LinkConnect your extender as well as PC withto a high-speed Internet connectivityon.
- Type the default web address of the Netgear extender carefully and avoid typos.
- In case the web address does not work, use the default IP address of the Netgear range extender.
- Install the latest firmware on the router that you are using.
- Verify that the Ethernet cable you are using does not have any cuts or breakage.
After reading this article, I’m sure all your issues you came across while trying to access mywifiext.net web page have been solved.
Darker couches, particularly dim darker ones, are regularly picked for their reasonableness. Yet, darker doesn’t need to exhaust or fundamental! You’ll be taking a gander at your living room in another manner in the wake of seeing these darker sofa beautifying thoughts.
Everybody realizes a darker couch is incredibly reasonable, which is the reason such a significant number of retailers sell them thus a considerable lot of us get them. Dim dark colored is most lenient with regards to earth and stains, settling on it a keen decision for those with dynamic families. One grumbling that frequently goes with the responsibility for darker couch is the supposition that the shading is blah or exhausting. False! Get motivation on the most proficient method to style a dark colored couch so it remains new and present day.
A dark colored calfskin sofa can be a sensational proclamation piece—particularly when it’s a Chesterfield. On the off chance that you need to help up the tone of your living room, pair it with out of control retro mattress. These checkered shoe seats add character to the space alongside the encompassing materials and shiplap dividers.
In the event that you discovered your dark colored calfskin couch at a bug market or vintage store, let that impact the remainder of the room. A well-worn dark colored cowhide loveseat won’t look crude when matched with wood classical stylistic theme. Get the cushions and toss covers in on the subject, as well.
This cooler unbiased space would look dull without the comfortable dark colored couch set to warm things up. A blend of tones is seen on the table, pads, and woven container. It’s simply the appropriate sum for a fly of shading.
To ensure your light dark colored calfskin couch doesn’t watch strange, rehash its material somewhere else in the room. Here, a darker calfskin pouf sits opposite the couch, integrating the look. Other dark colored accents on the dividers and surfaces prop the topic up.
A dark colored calfskin loveseat with tufting sets well with conventional style decorations and apparatuses. In this living room, fabricated ins contain piles of vintage books that facilitate with a red floor covering underneath the dark colored couch.
Dark colored couches aren’t constrained to one designing style. Pair one with varied examples and prints for worldwide style. In this space, confined texture gets the beige tones of the couch while organizing with pink cushions and stylistic theme highlights.
Dark colored couches work similarly well with cooler blues and greens. Use intonation seats, window boards, or bright cushions in cooler tones to add quiet shading to a space tied down by a dark colored couch. In this living room, the furniture is matched with beautifying backdrop.
A dim dark colored microfiber sofa won’t overwhelm a space when encompassed by lighter components. Paint the dividers a pale nonpartisan, at that point pick fine art, embellishments, and emphasize furniture in lighter or beautiful shades to adjust the haziness of the piece. Here, a lot of white furniture and light tans and oranges shield the sofa from inclination excessively overwhelming.
Another approach to counteract a dark colored calfskin loveseat from overpowering a room is to make nearly everything else white. You need a great deal of a lighter shading to adjust an exceptionally dim one, so don’t be timid. Fresh white roofs, dividers, and floors help keep this comfortable niche light and splendid.
Darker is a hotter impartial that plays well with wood and other warm tones; simply think about every one of the shades of fall! Pick pronunciation shades in harvest time hues, for example, dark red, mustard yellow, or consumed sienna to match normally with a darker couch. These property holders utilized white emphasize furniture and heaps of cushions to adjust the dark colored seating.
Shading plans for living Room furniture sets with dull darker couches work out easily. This current room’s darker couch takes a gander at home alongside other nature-propelled hues, for example, the orange pouf, warm chartreuse green footstool, and a set of exuberant designed cushions. Regular surfaces like the woven valances, stone chimney, and wood floors ground the loveseat, as well.
In spite of the fact that this couch is more tan than profound darker, a similar plan standards apply. Maneuver the couch into the focal point of the room, layer a reassure table along the back, at that point fill it with books or different items to remove the eye from the couch and toward the beautiful showcase.
Then again, there’s no compelling reason to shroud your dark colored calfskin Sofa or spread it up. You can likewise feature its rich, cocoa shading! Include intonation seats that get the tone of the current dull couch and spread the couch with enlivening cushions to help the visual load of darker furniture.
Work with your current darker couch rather than against it by painting the dividers a comparable shade. Utilize the intensity of difference to make high effect among light and dim with splendid white roofs and trim. The outcome is a stately room with intense, rich tones.
It is estimated that there will be 220 million online shoppers in India by 2025. By 2027, the Indian e-commerce industry would be worth the whopping US $ 200 billion. If your business wishes to grab a slice of this delectable pie, then you must build the capability of selling online.
If you have a website, chances are you aren’t leveraging the power of Digital Marketing yet. A capable digital marketing agency can help you scale your business and enable you to build exceptional brand recall among your prospects and customers.
Here are 8 reasons why you should adopt digital marketing into your business strategy:
- Reach out to your target audience: Imagine selling a product which is likely to be purchased by men between the ages of 25 and 30. You wish to create a splash and reach out to this target audience across the country. You may think that the best way to do this would be by placing an advertisement in a newspaper. However, people across age groups and genders read newspapers. What if you could specifically reach out to your desired target audience? Through digital marketing, you can define several aspects of your intended target audience such as age, preferences, location etc and run ads so that individuals only those who fall within those pre-defined parameters can view them.
- Adapting to the new normal: With access to cheap and fast internet, the proliferation of smartphones and the ongoing pandemic – consumer habits are changing. Most people prefer shopping online rather than visiting a store even if it is just a few miles away. To give you a perspective, Amazon sells $410 million worth of products every day. By spending on digital marketing, you will ensure that your prospective and existing consumers are aware of your business and would gravitate towards your website to shop online.
- Monitor your advertisements: When you put your advertisement banner near a railway station or an airport, a lot of people will see it. However, you won’t get any information about the profile of the viewers. But digital marketing enables you to use several platforms to track user behavior and generate reports. For example, Google Analytics will provide information about the devices used to access your website, the locations from where website traffic is being generated, keywords which users are using to land up on your website etc. Armed with insights drawn from such wealth of information, you can keep optimising your online campaigns. Guest posting website is also one more way to advertise or sponsored your content and get backlinks.
- Cost-effective: As of 2020, 30% of the overall marketing budget of companies operating in India will be towards digital. This highlights the popularity of digital marketing. Digital marketing activities offer stupendous ROI as they do away with several aspects of conventional forms of marketing The best part is that you could begin with comparatively small budgets and scale up from there which may not be possible with offline marketing activities.
- Your competitors are online: Chances are that most of your competitors are online, launching weekly campaigns and attracting new people to their business. You need to catch up and grab those leads you cannot afford to miss. You can get high authority guest posting websites from competitors’ backlinks.
- Build brand-reputation: By building a sustainable brand, you can earn the loyalty of your customers as well as build trust among prospective customers. A digital marketing agency can help you create memorable online marketing campaigns which will enable your brand to earn top of mind recall. This will have a deep impact on increasing your revenues over the long term.
- Helps reach a global audience: Reaching out to foreign audiences is one of the best reasons to take your business online. Customers from countries whose currency is stronger than the local currency can boost your profits. Through SEO, SEM and social media marketing a digital marketing agency can help you generate leads from foreign countries.
- Easy interaction with customers: This factor is one of the best and has a strong impact. It provides convenience to the customers, as they can view your products anytime. Quick service and 24/7 access build a better relationship, making them feel that they are essential.
Digital Marketing is a broad term speaking to various online techniques for promoting and developing your business. A digital marketing agency Skook News offers various services or may offer only a few. It is imperative to understand your needs and whether an agency can fulfill them. If you are based in the northern part of India, you might want to search for ‘digital marketing company in Gurgaon’ to get a list of leading digital agencies which can help.
Blockchain technology has garnered huge attention in the industry in the past few years. After the successful implementation of the technology in Bitcoin, the features of the technology came to fore. Since then, the technology has seen a spike in adoption across the industry. Blockchain or the Distributed Ledger Technology (DLT) allows users to record data, which is inherently immutable, making the technology suitable for several use-cases in the industry.
A few traditional business processes, like banking operations, have gone under transformation. Similarly, supply chain management has undergone a significant transformation. Smart contracts developed using blockchain have found use in traditional business transactions, making them more reliable, trustless, and transparent. Post the introduction of Bitcoin, several cryptocurrencies have emerged like Ether, Ethereum, LiteCoin, and more. As a result, countries like Venezuela have introduced a national cryptocurrency and others like Russia will soon join the league.
Blockchain technology is paving way for more innovation in the industry. Let’s take a look at a few trends in blockchain technology that will dominate the industry.
- Financial institutions will lead to the adoption of blockchain technology
The application of blockchain in banking operations isn’t new. Unlike traditional business processes, banks and financial institutions don’t have to experiment much to see the benefits from it. The application of blockchain in Bitcoin has already proved the benefits of the technology. Financial institutions were quick to realize it. Consequently, the adoption of blockchain has grown and will continue to rise. According to a PwC report, 77% of financial institutions will adopt the technology by 2020.
- National cryptocurrencies will appear
Cryptocurrencies have garnered huge popularity since 2018. Earlier there was a lot of skepticism in issuing cryptocurrencies. Several cases of fraud were reported around the world. Some countries like China went ahead and banned Bitcoin exchanges. However, things are changing slowly and regulations are coming in place. India recently lifted the ban on cryptocurrencies. A few countries are in the process of introducing national cryptocurrency. Venezuela recently introduced Petro (Petromoneda) as its national cryptocurrency, which is backed by the country’s oil and mineral reserves. Gartner predicts nearly 5 countries will introduce a national cryptocurrency by 2021.
- Government agencies will adopt blockchain
The idea of a decentralized database is promising to governments. Normally each government agency has a separate database of residents, which makes it difficult to correlate data, and chances of error are extremely high. The adoption of blockchain will eliminate that and a unified mechanism will prevail. A common database will speed up the process of data retrieval and make the process faster and more efficient.
The government of Estonia is already using X-Road, a decentralized database of its residents, accessible by all public agencies. The blockchain network uses advanced encryption and 2-factor authentication to ensure that people control their data and be sure about its security.
According to Gartner, nearly one billion people will have their data stored on a blockchain network, without even realizing it.
- Demand for blockchain professionals will increase
Blockchain technology is still new in the industry. As the adoption of technology grows, the demand for seasoned professionals who have an in-depth understanding of the technology will increase. Also, as governments lift the ban from cryptocurrencies new roles like community management, Bitcoin Analyst, community manager, etc. will grow. However, as blockchain requires a unique skill set, the supply of talent will below. To acquire skills, blockchain certifications and courses and training will be the go-to means for skill development.
- Legally –binding smart contracts will flourish
Smart contracts are one of the best use-cases of blockchain. These are self-executable contracts that get executed after meeting the agreed-upon requirements. Application of smart contracts in the current business processes will eliminate the middle-men, add more accountability to stakeholders, and bring more transparency in the processes. The current smart –contracts don’t bind involved parties legally. Smart contracts that bind parties by law will be prevalent soon.
Blockchain technology is evolving fast. Soon, we will be using the technology before we even realize it.
If you are seeking debt for a commercial real estate project, you need to understand the basics of credit analysis. It is a step in the credit approval process that evaluates the financial strength of the borrower. So, if you want to perform credit analysis on your own, here is a guide for you. Keep in mind that you also need to be aware of spreading financial statements. Banks use special tools for spreading financial statements, underwriting financial statements and other steps in the process. However, you can use a financial statement analysis template for financial statement analysis. Now, step into the shoes of the bank.
The following are the 5 Cs of credit analysis:
Does the borrower have the ability to pay back the loan? To analyze capacity, analyze the borrower’s historical and projected cash flows. Review financial statements and tax returns of the past 3-5 years to determine a cash flow figure. It is defined as EBITDA (Earnings Before Interest, Taxes, Depreciation, and Administration).
You need a plan B if the borrower is unable to pay back the loan. Collateral provides you with extra assurance that if the borrower is unable to generate the much-needed cash flow, the loan won’t go bad. Collateral includes the following:
- Real estate
In the underwriting process, a third-party appraisal is required to place a dollar value on collateral. Loan to Value ratio caps the loan amount.
If the borrower’s cash flow turns negative for one or two seasons, sufficient capital provides a “cushion”. The number is calculated using the debt to equity ratio.
The lender makes sure that the company will not be affected by adverse industry trends. It is good for the lender if the borrower has a competitive advantage in the economics of the industry and economic environment.
This is the most important factor as the borrower must be trustworthy. It is important to understand the history of the borrower.
Financial statements spreading
The lender gathers and reviews the borrower’s financial statements and tax returns of the past 3 to 5 years. This is followed by the credit analyst spreading financial statements. You can use Excel for spreading financial statements. Banks use specialized software for this step.
Spreading financial statements allows the analyst to compare financials over different time periods.
Credit Analysis Ratios
The bank speaks to the borrower and performs a full written financial analysis. This return analysis involves the positive and negative trends that affect the borrower’s business. The following are the most common ratios considered in credit analysis:
● Liquidity Ratios
Liquidity is the borrower’s ability to pay short-term obligations as they come due. The ratio is less important for a borrower with stable cash flow and operations. If the borrower’s business goes through ups and downs in revenue, liquidity ratios become important.
● Current Ratio
This ratio shows the assets that can be converted to cash to pay off debts incurred in one year. It roughly indicates if the borrower can cover short term liabilities. The cushion is greater when the ratio is higher.
Current ratio=total current assets/total current liabilities.
● Quick Ratio
The quick ratio is also known as “Acid-test” ratio. It is calculated as:
Quick Ratio=Cash & Equivalents+Trade Receivables (net)/Total Current Liabilities
This ratio measures the number of times the borrower’s trade receivables turn over in a year.
Sales/Receivables=Net Sales/Trade Receivables
● Day’s Receivables
This ratio indicates the average number of days receivables outstanding.
Day’s receivables=365/(sales/receivables ratio)
Other key Ratios and Respective Formulas include:
|Cost of sales to inventory ratio||Cost of sales/inventory ratio|
|Day’s Inventory||365/(cost of sales/inventory ratio)|
|Cost of sales to payables ratio||Cost of sales/payables|
|Day’s payables ratio||365/(cost of sales/payables ratio)|
|EBIT (Earning Before Interest Ratio) to interest ratio||EBIT/Annual Interest Expense|
|Fixed/Worth Ratio||Net Fixed Assets/Tangible Net Worth|
|Debt to Worth Ratio||Total liabilities/tangible net worth|
|Profit before taxes to tangible net worth ratio||(profit before taxes/tangible net worth)×100|
|Profit before taxes to total assets ratio||(profit before taxes/total assets)×100|
|Sales to net fixed assets ratio||Net sales/net fixed assets|
Artificial Intelligence is transforming industries and sectors by creating higher-value services while contributing to the global economy. Like every business sector, research, education, and healthcare are depending on Artificial Intelligence (AI) for one or the other reason, the jobs in the AI industry is surging and expected to increase by 2.3 million positions by the year 2030.
Many big brands like IBM, Amazon, Microsoft, Accenture; startups, and small businesses as well are using AI. All kinds of industries like transportation, energy, farming, finance, manufacturing, healthcare, cybersecurity, business intelligence, education, construction, and information technology are moving toward this technology.
The World Economic Forum predicts that AI will lead to a net increase of 58 million jobs globally. One-third of the American workforce may have to switch occupations by 2030, suggests McKinsey Global Institute’s recent report. Gartner suggests that Artificial Intelligence will create a business value of USD 3.9 trillion by 2022.
In brief, AI careers are future-proof and will survive well in the future. There are limitless opportunities for professionals to work on AI development and research. Young professionals and students will benefit a lot from this burgeoning field.
Let’s see how to break into an Artificial Intelligence career as an AI Engineer here.
Becoming an AI Engineer
Van Loon says, “AI never stops learning, so you too can’t stop learning. AI has a higher learning curve.”
AI engineering refers to the use of algorithms, computer programming, neural networks, and other technologies for developing AI Chatbots applications and techniques that possess practical applications in commerce, science, and life activities.
As an AI Engineer, you must extract data from a variety of sources, design algorithms, build and test machine learning models and deploy the models to create AI-powered applications to perform complex tasks. Further, you will be coordinating with data scientists and business analysts to acquire data and solve problems.
AI is an emerging field and the Universities differ in giving AI specialization. To start with, a degree in Computer Science, Statistics, Mathematics, Economics, Information Technology, or Finance is preferred. However, holding a master’s degree in Data Science, Computer Science, Cognitive science, or Machine Learning is much appreciated.
There are new undergraduate and graduate programs designed to prepare candidates solely to work with AI in the future. It is helpful to take interdisciplinary courses along with the degrees.
As an AI Engineer, you should have special knowledge in, Linear Algebra, differential and Integral Calculus, Matrices and Linear Transformations, Integration and Approximation, Modern Regression, Probability Theory, Bayesian Networking, and Probabilistic Graphical Models.
Plus, you should get expertise in Computer Systems and Programming; Principles of Imperative Computation and Functional Programming, Data Science Essentials, Parallel and Sequential Data Structures and Algorithms, Logic Programming and Computational Logic, and Agile Software Development.
Further, you should get trained in Machine Learning, Deep Learning, and Reinforcement Learning, Information Theory, Inference, and Learning Algorithms, Neural Networks for Machine Learning, AI Representation, Problem-Solving, Natural Language Processing, Computer Vision and Image Analysis.
To add on, you should be well-versed in Deep reinforcement learning, Applied Machine learning, advanced data analysis, neural computation, autonomous agents, cognitive robotics, strategic reasoning, Robot kinematics, speech processing, human-robot interaction, and computational photography. In addition to technical skills, it is necessary to learn business skills, problem-solving ability, be creative in thinking, and possess industry knowledge.
Mention not to say, there are Artificial Intelligence Certifications provided by recognized institutions and certification bodies that keep you updated with the AI knowledge and skills. It increases your salary by 20-30% as you prove to your employer that you have ready-to-go skills. The best-known Artificial Intelligence Certifications include:
- Machine Learning Certification Program – eCornell
- Artificial Intelligence Engineer (AIETM) – Artificial Intelligence Board of America (ARTiBA)
- Certified Artificial Intelligence Expert TM – Global Tech Council TM
Job opportunities and prospects for AI Engineers
Jobs in AI engineering is promising. Hiring for AI positions has been growing at 74% annually over the past four years. Roles of AI engineers are being created in almost all sectors from technology, automotive industries, sports, to higher education.
As per indeed.com, the most in-demand AI jobs include Machine learning engineer, Robotics engineer, Computer vision engineer, and data scientist which has grown by 344, 128, 116, and 78 percent respectively in the last four years.
The job prospects are bright for AI engineers. Students and professionals can define their career trajectories in AI by acquiring the necessary skills and knowledge. Learning AI and networking with the right people will help you get jobs in Google, Amazon, Apple, and also companies specializing in niche industries.
The demand for AI engineers is increasing and is likely to increase further in the coming years owing to advances in computing power, speed, data diversity, and evolution of deep neural networks. The industries using AI are expanding and no industry will be untouched by AI in the future.
Stay in the race! Stay committed and get prepared for the jobs of the future. Learn AI and acquire the most in-demand jobs.