Pinwheel’s mission is to help create a fairer financial system by providing an API that allows businesses to easily and securely connect payroll accounts to their apps with consumer authorization. By establishing this layer of income connectivity, fintechs, financial institutions and many others can develop new tools or services that provide equitable access to financial services for all, including the 67% of Americans considered financially secure. bad health.

While income and employment status are the primary determining factors in all financial decisions, this information is not readily available, making it impossible to tailor financial service offerings to a person’s specific financial situation. . Pinwheel’s market-leading data coverage covers nearly 80% of employed people in the United States. It’s the industry’s most comprehensive level of data, from traditional forms of income and work through payroll systems for the Top 500 Employers, to a burgeoning ecosystem of less traditional income and work such as platforms for the economy of concerts and creators. This breadth of data solves the missing middle of income, ushering in the next generation of equality-focused fintech innovation.

For example, Pinwheel provides real-time data on a person’s income and uniquely covers not only scheduled direct deposits for salaried employees, but also hourly clockings, most accurately presenting any type of income. This data can be used to enable offers such as Earned Wage Access (EWA), through which a person can receive their money as soon as they have earned it, bypassing the waiting period for a paycheck . When encountering an immediate financial need, a person now has an option that can actually maintain or improve their credit by avoiding high interest payday loans or credit cards. Likewise, Pinwheel’s technology can also be applied to other scenarios such as loan appraisals, etc. This establishes a more symbiotic relationship between consumers and financial services. Pinwheel’s industry-favorite flagship products, such as direct deposit switching, income and employment data, and paycheck-linked lending, power innovations like these.

With Pinwheel, by developing unique offerings that will improve the overall fiscal health of people in the United States, fintechs and financial institutions are able to more successfully acquire new customers and retain existing customers, while offering consumers with enhanced experiences that disrupt the financial status quo. Pinwheel works closely with its clients including Block (formerly Square), Varo, Lendly and Daylight to pave the way for a fairer financial system.

“With this latest cycle so closely following our Series A, we are poised to rapidly scale and introduce new solutions that will change finance as we know it,” said Kurtis Lin, co-founder and CEO of Pinwheel. “I’m especially passionate about fighting the vicious cycle of paycheck-to-paycheck life that afflicts nearly 80% of people in the United States, by developing products that will fuel EWA and loan opportunities. I look forward to a world where people are proactively offered new payment terms for a personal loan if they lose their job, or faster access to their paycheck in times of crisis instead to deal with loan sharks.”

“Pinwheel’s API unlocks the power of the revenue layer, driving the next wave of innovation in the fintech ecosystem,” said Tiffany Luck of GGV Capital. “Pinwheel has the ability to impact every American who receives a paycheck. Such an opportunity, coupled with the company’s mission to build a fairer financial system, uniquely positions Pinwheel to reshape financial life. of so many people in a positive way. We are proud to partner with them on this journey.”

With its leading team of many fintech industry veterans, Pinwheel has built an enterprise-ready platform that securely runs over 4.6 million processes per month, an increase 400 times over the previous year. Pinwheel is the market leader in conversion rates. Last year, Pinwheel increased its annual recurring revenue by 177 times.

With this funding, Pinwheel plans to triple its workforce to 180 people, with a particular focus on engineering roles, continue working on EWA, and expand into new areas such as tax preparation. Additionally, the company will continue its commitment to setting the industry standard for consumer data security. Last year, Pinwheel received its SOC2 Type 2 compliance. Not only is Pinwheel the only payroll data provider to have a CISO, but it is also the only company that handles both direct deposit change and providing payroll data to be a Fair Credit Reporting Act (FCRA) compliant Consumer Reporting Agency (CRA).

What’s worse than finding out that identity thieves have taken out a 546% interest payday loan in your name? How about a loan at 900% interest? Or how about not learning about the fraudulent loan until it’s turned over to debt collectors? A reader’s nightmarish experience sheds light on what can happen when identity thieves and hackers start targeting online payday lenders.

The reader who shared this story (and the abundant documentation that accompanies it) requested that his real name be omitted to avoid encouraging further attacks on his identity. So we’ll call him “Jim”. Last May, someone applied for a type of loan in Jim’s name. The request was likely sent to an online portal that takes the borrower’s loan request details and shares them with several potential lenders, as Jim said that over the next few days he received dozens of emails and calls from lenders wanting to approve him for a loan.

Many of these lenders were eager to give Jim money because they were charging exorbitant interest rates of 500-900% for their loans. But Jim has long had a security freeze on his credit file with all three major consumer credit bureaus, and none of the lenders seemed willing to proceed without at least taking a look at his credit history. credit.

Among the companies that checked to see if Jim still wanted that loan he never applied for last May was Mountain Summit Financial (MSF), a lending institution owned by a Native American tribe in California called Habematelol Pomo d’ Upper Lake.

Jim told MSF and others who called or emailed that identity thieves had requested the funds using his name and information; that he would never take out a payday loan; and would they like to remove his information from their database? Jim says MSF assured him that would be the case and the loan was never granted.

Jim spent months sorting out this mess with MSF and other potential lenders, but after a while the inquiries died down. Then, on November 27, Thanksgiving weekend, Jim received a series of quick emails from MSF stating that they had received his loan request, that they had approved it, and that the requested funds were now available on the specified bank account. in his MSF profile.

Curiously, the scammers had taken out a loan in Jim’s name from MSF using his real email address – the same email address the scammers had used to impersonate MSF in May 2021. Although he didn’t don’t technically have an account with MSF, their authentication system is based on email addresses, so Jim requested that a password reset link be sent to his email address. It worked, and once inside the account, Jim was able to find out more about the details of the loan:

Take a look at the 546.56% interest rate and finance charges shown on this $1,000 loan. If you pay off this loan in one year at the suggested bi-weekly payment amounts, you will have paid $3,903.57 for that $1,000.

Jim contacted MSF as soon as they opened the following week and discovered that the money had already been paid into a Bank of America account which Jim did not recognize. MSF asked Jim to complete an affidavit claiming the loan was the result of identity theft, which required filing a report with local police and a number of other steps. Jim said numerous calls to the Bank of America fraud team went nowhere because they refused to discuss an account that was not in his name.

Jim said MSF eventually agreed the loan was not legitimate, but they couldn’t or wouldn’t tell him how his information got to a loan – even though MSF was never able to pull it back. his credit report.

Then, in mid-January, Jim learned from MSF by post that they had discovered a data breach.

“We believe the stranger may have had the ability to gain access to certain customer accounts, including your account, in which case they could view that customer’s personal information and potentially obtain an unauthorized loan using the client’s credentials”, MSF mentioned.

MSF said personal information involved in this incident may include name, date of birth, government-issued identification numbers (e.g. SSN or DLN), bank account number and routing number. , home address, email address, phone number and other general loan information. information.

Never mind that his information was only in MSF’s system due to an earlier attempt by identity thieves: the intruders were able to update his existing file (never deleted) with new banking information, then push the application via MSF systems.

“MSF has been the target of a suspected attack by a third party,” the company said, noting that it was working with the FBI, the California Sheriff’s Office and the Tribal Commission in Lake County, California. “Ultimately, MSF confirmed that these trends were part of an attack that originated outside the company.

MSF did not respond to questions regarding the aforementioned third party(ies) that may be involved. But it’s possible that other tribal lenders were affected: Jim said that shortly after MSF’s bogus payday loan was set up, he received at least three inquiries in quick succession from other lenders who were suddenly interested in offering him a loan.

In a statement sent to KrebsOnSecurity, MSF said it had been “victim of a malicious attack from outside the company, by unknown perpetrators”.

“As soon as the problem was discovered, the company initiated cybersecurity incident response measures to protect and secure its information; and informed law enforcement and regulators,” MSF wrote. “Additionally, the company has notified individuals whose personally identifiable information may have been affected by this crime and is actively working with law enforcement in its investigation. As this is an ongoing criminal investigation, we cannot make any further comments at this time.

According to Native American Financial Services Association (NAFSA), a trade group in Washington, D.C. representing tribal lenders, the short-term installment loan products offered by NAFSA members are not payday loans but rather “installment loans” – which are amortized, have a set loan term, and require payments that not only serve interest, but also repay the principal of the loan.

NAFSA did not respond to multiple requests for comment.

Almost all US states have usury laws that limit the amount of interest a business can charge on a loan, but these limits generally do not apply to tribal lenders.

Leslie Bailey is an attorney at Public Justice, a nonprofit legal defense organization in Oakland, California. .

“The reason is clear: genuine tribal businesses are entitled to ‘tribal immunity,’ which means they cannot be sued,” Bailey wrote in a blog post. “If a payday lender can shield itself from tribal immunity, it can continue to make loans with illegally high interest rates without being held liable for violating state usury laws.”

Bailey said that in a common type of arrangement, the lender provides the capital, expertise, staff, technology and corporate structure needed to run the lending business and retains most of the profits. In return for a small percentage of revenue (usually 1–2%), the tribe agrees to help draft documents naming the tribe as the owner and operator of the lending business.

“Then, if the lender is sued by a state agency or group of deceived borrowers, the lender relies on those documents to claim that he is entitled to immunity as if he were himself. even a tribe,” Bailey wrote. “This type of arrangement – sometimes called ‘leasing a tribe’ – has worked well for lenders for a time, as many courts have taken company documents at face value rather than looking behind them. the curtain on who really gets the money and how the business is actually run. But if recent events are any indication, the legal landscape is moving towards greater accountability and transparency.

In 2017, the Consumer Financial Protection Bureau sued four tribal online lenders in federal court — including Mountain Summit Financial — for allegedly misleading consumers and collecting debts that weren’t legally owed in multiple states. All four companies are owned by Habematolel Pomo of Upper Lake.

The CFPB later dropped this investigation. But a class action lawsuit (PDF) against those same four lenders is pending in Virginia, where a group of plaintiffs have alleged that the defendants violated the Racketeer Influenced and Corrupt Organizations Act (RICO) and the Virginia usury by charging interest rates between 544 and 920. percent.

According to Buckley LLP, a Washington, D.C.-based financial services law firm, a district court denied RICO’s claims but denied the defense’s motion to compel arbitration and dismiss the case, holding that the arbitration clause was unenforceable as a potential waiver by the borrowers. ‘ federal rights and that the defendants could not claim tribal sovereign immunity. The district court also “held the loan agreements’ tribal choice of law to be unenforceable as a violation of Virginia’s firm public policy against unregulated loansharking loans.”

Buckley notes that on November 16, 2021, the United States Court of Appeals for the Fourth Circuit upheld the district court’s decision, finding that arbitration clauses in loan agreements “impermissibly require borrowers to waive their substantial federal rights under federal consumer protection laws, and contained an unenforceable tribal provision on choice of law, as Virginia law caps general interest rates at 12%.

Jim said he only heard about the Thanksgiving weekend MSF loan because the hackers apparently thought it was easier to get loans using existing MSF client account information than to change anything. it is in records other than the bank account to receive the funds.

But if the hackers had changed the email address, Jim might have first discovered the loan when the collection agencies came calling. And by then, his exorbitant loan would be in default and racking up heavy charges in arrears.

Jim says he’s still mad at MSF, and these days he’s just waiting for the other shoe to drop.

“They issued this loan in my name without verification and without even checking my credit, even though they were already warned that they should not have dealt with me since the incident in May,” Jim said. “I always feel like I’m going to get that call at some point from a collection agency asking me why I didn’t make payments on an installment loan that I never asked for.”

Fort Lauderdale, FL and Cherry Hill, NJ – The Dan Marino Foundation this week launched a new financial literacy program that offers free courses that are accessible to everyone, but specially designed for people with disabilities, with the aim of providing everyone with the opportunity to navigate more successfully and in a more independent in her life and personal finances.

The program builds on TD Bank’s comprehensive suite of tailored financial education courses and is made possible through a grant from the TD Charitable Foundation, the charitable arm of TD Bank, America’s Most Convenient Bank®.

“It’s amazing the opportunity TD Bank and the TD Charitable Foundation have given individuals free access to this financial literacy program on EduEx, the Foundation’s virtual learning platform, paving the way for the financial independence for people with autism and other developmental disabilities. said Mary Partin, CEO of the Dan Marino Foundation.

“We are extremely proud to work with the Dan Marino Foundation to make financial literacy resources free and widely available. By working with the Dan Marino Foundation to use TD’s adaptive financial literacy program, we are equipping these individuals with the knowledge and skills they need to live their lives with greater financial confidence and independence,” Nick Miceli, Regional President of Florida to TD Bank and Board Member of the TD Charitable Foundation.

The new program offers online lessons that provide insight into how to create a budget, file taxes, pay bills, create traditional savings accounts, and set savings goals. Lessons help users become familiar with financial institutions to reduce reliance on alternative financial services such as payday loans and cash checks. Also included are steps on how to buy a car, apply for a loan, access credit, and better understand investing.

The Dan Marino Foundation relies on EduEx to deliver this program, along with a number of valuable online courses, resources, and tools such as social skills training, self-advocacy, and self-advocacy courses. career exploration/development for people with disabilities.

By providing these resources, the Dan Marino Foundation hopes to empower individuals to succeed in employment and achieve greater independence. The fully immersive platform offers gamification, personalized curricula, and self-paced lessons for more efficient and interactive delivery.

About the Dan Marino Foundation: Founded by Dan and Claire Marino shortly after their son, Michael, was diagnosed with autism in 1992, the Dan Marino Foundation has a long and distinguished history of life-changing programs and services, with a mission to “empower people with autism and other developmental disabilities”. The Foundation has raised more than $87.5 million to create and support unique and impactful initiatives. These include the Nicklaus Children’s Hospital Dan Marino Outpatient Center, Marino Autism Research Institute, Marino Adapted Aquatics, and Marino Campus Post-Secondary School Using technology as a game changer, the Foundation is at the forefront of creating award-winning technologies, using virtual reality and blended to create job interviews and social skills practice (VI|ready), and EduEx, an online virtual learning platform providing employability, financial s and independent living.

About the TD Charitable Foundation: The TD Charitable Foundation is the charitable arm of TD Bank, America’s Most Convenient Bank®, one of the 10 largest commercial banking organizations in the United States. Since its inception in 2002, the Foundation has distributed more than $200 million and more than 19,400 grants through donations to local nonprofits from Maine to Florida. More information about the TD Charitable Foundation, including the online grant application, is available at TDBank.com.

Featured Image: Pavel Danilyuk, Pexels.

JThe government website where you can order four free COVID-19 home tests and have them shipped to your door is now live and available.

Starting today, January 18, you can visit a new federally run website, COVIDtests.gov, and book rapid at-home COVID-19 tests for free. The United States Postal Service (USPS) will deliver them to your home, also free of charge. The website was supposed to officially launch on January 19, but it is live and accepting orders a day earlier.

The program is part of President Biden’s effort to procure and distribute 1 billion free home coronavirus tests to the American public. So far, the White House has secured contracts for 420 million tests and “tens of millions” are ready to ship immediately, senior officials said in a phone call with reporters Jan. 14, ahead of the official website launch.

How to order free home coronavirus tests from the government

Here’s how to get your free at-home COVID-19 tests:

• Visit COVIDtests.gov, the official federal government website for the program.
• Press the “order free home tests” button, which will redirect you to a separate site operated by the USPS to place your order.
• Enter your name and residential address which will be used for shipping.
• Follow the instructions to place your order, which includes four tests per address.
• OPTIONAL: Enter your email address to track test shipments.

People who have difficulty accessing the internet or the website can order the tests by calling a toll-free number next. (We’ll update this article when the phone number is released.)

“COVID-19 home tests will be shipped free of charge from the end of January. The USPS will only ship one set of 4 free tests to valid residential addresses,” reads an order confirmation message from the USPS. “We are unable to process duplicate orders for the same address.”

Once your order is confirmed, the White House says the USPS will ship your tests in seven to 12 days by first-class mail. Senior officials said they expect shipping time to decrease as the program ramps up.

“Every website launch comes with risk,” White House press secretary Jen Psaki said at a press conference on Tuesday. “We can’t guarantee there won’t be a bug or two, but the best technical teams in the administration and the postal service are working hard to make this a success.”

Free Home COVID-19 Testing FAQs

What types of free COVID-19 tests are available for delivery?

The White House says the tests are rapid home tests that have been authorized by the Food and Drug Administration. The exact marks are unclear, but the administration says the tests will only be rapid antigen tests, also called over-the-counter (OTC) or self-tests or home tests. PCR tests, which require samples to be shipped to labs for results, are not part of the program.

How long will it take for the tests to be delivered?

Orders will ship between seven and 12 days, according to White House estimates.

Exact delivery times may vary. The USPS website states that first class mail is usually delivered within five business days. And this may add to the processing time of the shipment.

How many home tests can I get for free?

The current order limit is four per residential address. This number is independent of the number of people living in your home. The order limit is currently on the first 500 billion tests. The Biden administration is in the process of procuring an additional 500 billion, and officials have indicated that the four-per-household limit could be reviewed as more tests become available.

Do I need health insurance?

No. The tests available through COVIDtests.gov are available to anyone with a residential delivery address in the United States and its territories. No proof of residency or insurance is required to place an order.

I was able to order my tests before January 19th. Was it a problem?

PSAKI acknowledged on Tuesday that the website was live and accepting orders ahead of the official launch of COVIDtests.gov and special.usps.com/testkits as part of a beta test. Orders placed during the beta testing period will be honored.

If not, how can I get free at-home COVID-19 tests?

In addition to the four free tests available through COVIDtests.gov, the White House announced a free home testing program for those with private health insurance.

Since January 15, private insurers have been required to cover the cost of home testing, either by covering upfront costs at pharmacies and retailers – in the same way prescription programs already operate – or by reimbursing you for the cost tests you paid for out of pocket.

Additionally, several states have been distributing their home test stocks through local libraries and community centers. According to the White House, in-person testing is also available for free at more than 20,000 FEMA test centers or pop-up sites.

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Financial institutions are looking for new ways to generate income while providing more personalized customer service. Financial Technology or Fintech is a great solution that can help them do both.

Fintech companies make it easier for people to monitor their investments, save money by analyzing their spending habits, and find the best loans. Whether it is individuals or people looking for payday loans in Vancouver.

Think of this technology (Fintech) as banking 2.0.

Something current banks are not at all fan of. Because it allows consumers to save or eliminate monthly fees and provide a more decentralized alternative.

There are many startups in this industry that have successfully disrupted financial services with innovative technologies. While consumers love it, today’s banking oligarchs aren’t the most enthusiastic. The financial industry is undergoing a digital transformation and this area is one of the most promising in terms of innovation. The question is whether the banks will catch up or be wiped out.

Let’s take a look at some of these companies that are making a dent in the fintech space.

To earn

Earnin is a mobile app that helps you earn money by offering to do tasks for others. Someone sends you an offer and if you accept, you complete the task and earn your fee.

Earnin has the potential to disrupt the freelance industry, as freelancers can now work on these tasks anytime, anywhere with their smartphones. It also eliminates all the overhead costs associated with maintaining an office – rent, utilities, business development, etc.

All of this translates into higher profits for businesses and lower costs for consumers.

They may also seek to obtain video games / metaverse and offer their services.

Which can literally explode the growth of this application.

The Dave app

Who would have thought that one day the already streamlined payday loan industry model would be disrupted by new technology.

The Dave App is a new app that will soon put an end to the stress and mental anguish of low-income people. It was developed by a team of developers and is currently in the testing phase.

The app will allow users to get cash within minutes of submitting a payday loan application. The process is very simple and it doesn’t matter if the person has a bank account, pays their bills on time or even has a credit history. This app was designed to help low income people get back on their feet.

Users can request up to $ 1,000 through the app and they can be approved instantly without asking questions. They just need to provide some basic information like name, date of birth, contact details etc. which is used only for identity verification purpose.

Carillon

Chime is a financial services company in the United States. They provide banking services to the underbanked, enabling them to receive loans and credit cards in an instant.

This fintech startup can be used anywhere in the United States, so it is able to offer more convenience than its competition.

Their mission is to “make banking easy” because they want to give people the bank account they deserve.

Chime also has many different features that are not offered by other banks, such as text alerts for every transaction.

This makes it easier for customers to find out what’s going on with their account.

KOHO Financial

KOHO Financial is a company that offers innovative and personalized solutions to Canadians.

The company was established in 2015 with the vision of providing the best user experience for people who are starting their financial journey. KOHO started out as a mobile banking app that gave Canadians options to design their ideal banking experience.

The company has now expanded into other areas such as mortgages, personal loans and equity trading.

Through its innovative and inventive business model, KOHO has helped Canadians find their financial freedom and explore what it means to be financially independent.

Although they are currently working with banks, their most popular product is prepaid debit which has eliminated all fees. A lot of people are migrating to this card. Especially the former Visa holders, who are not good banks.

To advance

With the increasing digitization of our finances, Fintech is the new frontier of the financial sector. There are many players competing to provide customers with a better experience.

The future of FinTech is very promising. Banks will have to adapt to this new technology and offer features that are not currently available in order to remain competitive.

The Global Aircraft rental market is fueled by various factors, according to a detailed assessment explained in the report. This study shows how important an in-depth analysis should be and how greatly it affects the quality of the information provided to readers. In addition, the report also takes into account the impact of the new COVID-19 pandemic on the aircraft rental market and offers a clear assessment of the projected market fluctuations over the forecast period.

Aircraft rental market The report provides an in-depth examination of the drivers of expansion, potential challenges, distinguishing trends and opportunities for the market players enabling the readers to fully understand the landscape of the aircraft rental market. The top key manufacturers included in the report alongside market share, inventory determinations and numbers, contact details, sales, capacity, production, price, cost, revenue, and business profiles . The primary objective of the Aircraft Rental industry report is to provide key information on competitive positioning, current trends, market potential, growth rates, and other relevant statistics.

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By Verdors from the market:

AerCap

BBAM

CIT Commercial Air

GECAS

SMBC Capital Aéronautique

KSCC

ILFC

BOC Aviation

SAAB aircraft rental

CMB leasing

Minsheng Leasing

ICBC Leasing

CDB leasing

By types:

Dry rental

Rental with crew

By applications:

Widebody Airplane (WA)

Narrow-body aircraft (NA)

Very large aircraft (VLA)

Business aircraft (BJ)

Geographically, the detailed analysis of consumption, revenue, market share and growth rate, historical and forecast (2015-2027): United States, Canada, Germany, United Kingdom, France, Italy, Spain, Russia, Netherlands, Turkey, Switzerland, Sweden, Poland, Belgium, China, Japan, South Korea, Australia, India, Taiwan, Indonesia, Thailand, Philippines, Malaysia, Brazil, Mexico, Argentina, Colombia, Chile, Saudi Arabia, United Arab Emirates, Egypt, Nigeria, South Africa and rest of the world

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Some points from the table of contents

Global Aircraft Rental Market Research Report with Opportunities and Strategies to Drive Growth – Impact and Recovery of COVID-19

Market Snapshot: It comprises six sections, research scope, major manufacturers covered, market fragments by type, aircraft rental market portions by application, study objectives, and years considered.

Market landscape: Here the opposition in the global aircraft rental market is dissected, by value, revenue, deals and pie by organization, market rate, unforgiving circumstances Latest landscape and models, consolidation, development, obtaining and portions of the industry as a whole from the best organizations.

Manufacturer Profiles: Here, the major players in the Global Aircraft Rental Market are considered to be dependent on region of transactions, key elements, net benefit, revenue, cost, and creation.

State of the market and outlook by region: In this segment, report examines net benefit, transactions, revenue, start-up, part of overall industry, CAGR and market size by region. Here, the global aircraft rental market is thoroughly examined based on areas and countries like North America, Europe, China, India, Japan, and MEA.

Application or end user: This segment of the exploration study shows how extraordinary end customer / application sections are adding to the global aircraft rental market.

Market forecast: Production side: In this part of the report, the creators focused on the creation and creation esteem conjecture, the gauge of major manufacturers, and the creation and creation esteem estimate. by type.

Research findings and conclusion: This is one of the last segments of the report where the findings of the investigators and the end of the exploration study are given.

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Main information that the study will provide:

• Global and Regional 360 Degree Aircraft Rental Market Overview
• Market share and sales revenue by key players and emerging regional players
• Competitors – In this section, various leading players in the Aircraft Rental industry are studied based on their company profile, product portfolio, capacity, price, cost and revenue.
• A separate chapter on the entropy of the aircraft rental market to better understand the aggressiveness of executives towards the market [Merger & Acquisition / Recent Investment and Key Developments]
• Patent analysis Number of patents / Trademark registered in recent years.

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New Jersey, United States, – The Luxury car rental market Size and forecast to 2028, this report provides an analysis of the impact of the COVID19 epidemic on the key points influencing the growth of the market. In addition, the luxury car rental market segments (by major players, types, applications and major regions) outlook, business valuation, competitive scenario, trends and forecasts for the coming years. The study of the Luxury Car Leasing report is carried out on the basis of a substantial research methodology, which enables analytical inspection of the global market by means of different segments in which the industry is also alienated in summary, an increase in the size of the market due to the different possibilities of prospects. The report also gives a 360-degree view of the competitive landscape industries. SWOT analysis has been used to understand the strengths, weaknesses, opportunities and threats of businesses. This will help businesses understand the threats and challenges they face. The luxury car rental market is showing steady growth and the CAGR is expected to improve during the forecast period.

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The report provides a detailed analysis of the major market players along with an overview of their business, expansion plans, and strategies. The main players examined in the report are:

• Business
• Hertz
• Budget Opinion Group
• Europcar
• Sixt
• ALD Automotive
• Movida
• CAR inc.

This report provides in-depth luxury car rental analysis, current trends, as well as comprehensive analysis based on type, application, and players. The report includes detailed analysis of competitors, SWOT analysis, industry structure and production process view. The report explains that the luxury car rental market is fueled by several factors. This study underlines how important it is to carry out in-depth analyzes and how much this has a strong impact on the quality of the information made available to readers. Further, the report examines the impact on the Luxury Car Rental market of the COVID-19 pandemic and provides a clear assessment of the market trends for the forecast period.

The report further studies the market segmentation on the basis of the types of products offered in the market and their uses / end uses.

While segmenting the market by types of luxury car rental, the report includes:

• Short term rental
• Long term rental

While segmenting the market by luxury car rental applications, the report covers the following application areas:

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Scope of the Luxury Car Rental Market Report

Report attribute	Details
Market size available for years	2021 – 2028
Reference year considered	2021
Historical data	2015 – 2019
Forecast period	2021 – 2028
Quantitative units	Revenue in millions of USD and CAGR from 2021 to 2028
Covered segments	Types, applications, end users, etc.
Cover of the report	Revenue forecast, company ranking, competitive landscape, growth factors and trends
Regional scope	North America, Europe, Asia-Pacific, Latin America, Middle East and Africa
Scope of customization	Free customization of the report (equivalent to 8 working days for analysts) with purchase. Add or change the scope of country, region and segment.
Price and purchase options	Take advantage of personalized shopping options to meet your exact research needs. Explore purchasing options

Due to regional segmentation, the market is divided into major regions North America, Europe, Asia-Pacific, Latin America, Middle East and Africa. Further, the regional analysis covers the market split and major players by country.

The research report offered by Market Research Intellect provides an updated view of the global luxury car rental market. The report provides a detailed analysis of key trends and emerging market factors that might affect the growth of the industry. Additionally, the report studies the market characteristics, competitive landscape, market size and growth, regional breakdown, and strategies for this market.

Highlights of Luxury Car Rental Report Content:

?? Global Luxury Car Leasing Market Review

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Production, sales estimate by type and application

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Global Luxury Car Leasing Market Forecast

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HONOLULU (Tribune News Service) – The first woman to serve as secretary of the military said on Monday that Hawaii is serving as an increasingly critical outpost in a world where China’s rising military has elevated the Indo-Pacific region as a priority theater.

And just as important are the military training grounds, a source of controversy for many decades in Hawaii, but which faced lease renewals over the decade.

“The training that the land provides here for the military and the joint forces at large is incredibly important,” said Christine Wormuth, who is visiting Hawaii for the first time since she was confirmed by the United States Senate in June in as 25th Secretary of the Army. .

Wormuth was visiting Oahu on Monday as part of a tri-state tour where she will also visit facilities in Washington state and Alaska. She landed here on Sunday and is due to leave today.

While on Oahu, Wormuth received briefings from senior leaders, toured military installations, and took a helicopter tour of military installations across the island.

On Monday evening, she presided over the investiture ceremony for Noelani Kalipi of Hilo, who was chosen as civilian assistant to the secretary of the army, one of two people in the state who liaise between the military and the civilian population. The other CASA, as they are called, is Gilbert Tam from Honolulu.

The military began work to try to keep nearly 30,000 acres of its training land in Hawaii, including controversial outposts such as the Makua Military Reservation on Oahu and the Pohakuloa Training Area on the island of Hawaii.

State land leases all expire in 2029.

In an interview with the Honolulu Star-Advertiser, Wormuth said the military is looking for a way to renew leases in a way that allows training to continue while addressing community concerns.

“We absolutely want to respect the concerns of the local community and the concerns of the native Hawaiians and we want to make sure that we listen to them and try to respond to them as best we can,” she said.

“Part of the importance of having a CASA like Ms. Kalipi is that it provides us with very attentive eyes and ears, if you will, to help us with these concerns, and to be better able to understand those concerns and address those concerns, ”she said.

The military recently announced that it is preparing an environmental impact statement for the proposed retention of up to 6,300 acres of state-owned leased land in Oahu, including 1,170 acres in the Kahuku training area. , 4,370 acres in the Kawailoa / Poamoho training area and 760 acres in the Makua military reserve.

The total represents about one-third of the 18,060 acres of U.S. government and state-owned training grounds at the three Oahu sites.

Last year, the military said it was preparing an EIS to consider retaining 23,000 acres in the middle of Pohakuloa, a training field the service maintains is essential for military readiness in the Pacific. The parcel connects to 110,000 acres of adjacent US government land on either side.

But the military is likely to meet opposition from native Hawaiian and environmental groups who say the training desecrates the land, harms the environment, and pushes militarization where it is not wanted.

Wormuth, a former Deputy Secretary of Defense, said the military was not the only branch training in Hawaii. In fact, the beauty of Hawaii, she said, is the ability of the different branches to train together and show the Chinese what a joint force can do.

“Our ability to demonstrate that we can operate as a joint force has a more deterrent value than if we simply operate on a service-by-service basis,” Wormuth said.

Kalipi, a Big Island consultant, was a former aide to US Senator Daniel Akaka and an army officer.

(c) 2021 Honolulu’s Featured Announcer

Visit The Honolulu Star-Advertiser at www.staradvertiser.com

Distributed by Tribune Content Agency, LLC.

Obtaining control of land through leasing has a long history in the United States. Leases on agricultural land are strongly influenced by local customs and traditions. However, in most areas, landowners and operators can choose from several types of rental agreements. With crop sharing agreements, agricultural production and often government payments and crop insurance indemnities are shared between the landowner and the operator. These arrangements also involve the sharing of at least part of the harvesting expenses. Fixed cash rent agreements, as the name suggests, offer landowners a fixed payment per year. Flexible cash rental agreements provide a base cash rent plus a bonus which is usually a share of gross income above a certain base value. Each rental agreement has advantages and disadvantages. These pros and cons are discussed on the Ag Lease 101 website. Rather than focusing on the pros and cons of various rental agreements, this article uses a case farm in west-central Indiana to illustrate the advantages and disadvantages of various rental agreements. net income from land derived from crop sharing, fixed cash rent and flexible cash rental agreements.

Rental terms

The 1996-2020 net return on land from a landowner’s perspective was calculated for a case farm in west-central Indiana. The case farm had 3,000 acres of crop and used a corn / soybean rotation. The rental agreements examined included a sharecropping lease, a fixed cash lease and a flexible cash lease.

With the Crop Sharing Lease, the landlord received 50 percent of all income (crop income, government payments, and crop insurance compensation payments). In addition to providing the land, the owner paid 50 percent of the expenses for seeds, fertilizers and chemicals (herbicides, insecticides and fungicides) as well as 50 percent of crop insurance premiums. The case farm participated in government programs (eg, ARC-CO and PLC programs) and purchased 80 percent income protection coverage.

Fixed cash rents were obtained from Purdue’s Annual Farmland Value Survey. Specifically, cash rents for medium productivity land in west-central Indiana were used. The flexible cash rental arrangement used a base cash rent that was 90 percent of the fixed cash rent. In addition to the base rent, the landowner received a premium of 50 percent of the income above the non-land cost plus the basic cash rent if the income exceeded the non-land cost plus the basic cash rent. The revenues included harvest revenues, government payments, and crop insurance indemnity payments. All cash and opportunity costs, except land, have been included in the calculation of non-land costs. A more in-depth discussion of the possible parameters that can be used for flexible cash leases can be found in Langemeier (2018).

Comparisons of net return on land among rental agreements

Before making any comparisons between leases, we’ll briefly discuss bonus payments for flexible leasing. The per acre bonus payments for the flexible cash lease are shown in Figure 1. The bonus payments were made in 14 of the 24 years from 1996 to 2020. The payments ranged from less than $ 1 per acre. in 2006 and 2018 to $ 98 per acre in 2010. From 2007 to 2013, the average premium payment was $ 59 per acre. With the exception of the small payment in 2018, the annual bonus payment from 2014 to 2019 was zero. The premium payment in 2020 was around $ 51 an acre.

Pairwise comparisons were used to compare the three rental agreements. Figure 2 compares the sharecropping lease with the fixed cash lease. The landowner’s net return for the sharecropping lease was more variable. As might be expected, the net return on the sharecropping lease increased faster when revenues increased, but also decreased faster when revenues decreased. The net return on the sharecropping lease was higher than the net return on the fixed cash lease in 1996 and 2007 to 2012. From 2013 to 2019, the net return on the sharecropping lease was $ 29 per acre (in 2019) at $ 122 per acre (as of 2015) below the net return on the fixed-rent cash lease. On average, from 2013 to 2019, the net yield on the sharecropping lease was $ 57 per acre lower than the net yield on the fixed-rent cash lease. In 2020, the net yield on the sharecropping lease was $ 12 per acre higher than the net yield on the cash lease.

Figure 3 compares the net yield of the flexible cash lease to the net yield of the fixed cash rent lease. This graph looks remarkably similar to Figure 2. The net returns on the flexible cash lease were more volatile than the net returns on the fixed cash lease. The net return on flexible leasing was relatively higher in 1996, 2007-2008 and 2010-2012. During the period 2007 to 2013, the average net yield on the flexible cash lease was similar to the average net yield on the shared rental lease and $ 38 per acre higher than the average net yield on the fixed cash lease. From 2014 to 2019, the annual net yield on the flexible cash rental lease was on average $ 26 per acre lower than the net yield on the fixed cash rental lease. However, it is important to note that during this same period, the net yield on the flexible cash lease was $ 36 per acre higher than the net yield on the sharecropping lease. In 2020, the net yield on the flexible cash lease was $ 26 per acre higher than the net yield on the fixed cash lease and $ 14 above the net yield on the crop sharing lease.

The differences between the fixed cash rent lease and the other two rental agreements are shown in Figure 4. This graph was created by subtracting the fixed cash rent payments per acre from the net yield of the flexible cash lease and the net yield. net return on crop sharing lease. As noted above, the net returns of the flexible cash lease mimic those of the crop sharing lease. However, there are some differences in the trends of these two leases. The flexible cash lease did not grow as much as the sharecropping lease in 2007, 2008 and 2010. More importantly, from a downside risk perspective, the flexible cash lease did not shrink as quickly as the sharecropping lease from 2013 to 2015, and was relatively higher from 2016 to 2019.

What about the differences in the net returns of the three harvest leases in 2021? Early projections for 2021 show a relatively large potential bonus for the flexible cash rental lease (around $ 75 per acre). In addition, the net returns from the sharecropping lease and the flexible cash rental lease are expected to be $ 30 to $ 50 higher than the net returns from the fixed cash rental lease.

Summary and conclusions

This article used a case farm in west-central Indiana to compare the net yield of land for crop sharing, fixed cash rent, and flexible cash leases. Average net returns from land from the landowner’s perspective were similar among the three rental agreements. The flexible cash lease mimicked the ups and downs of the crop sharing lease. However, the upward and downward peaks for the flexible cash lease were less pronounced than those for the split-harvest lease. The choice among leases depends on a landowner’s desire to benefit from improvements in income from crop sharing and their ability to withstand downside risks. Crop share and flexible cash leases allow landowners to better capture annual improvements in crop income, but also increase the likelihood of significant downward movements in annual net income.

The references

Bowen, Miclette & Britt leased 35,926 square feet at 2800 N. Loop West for the relocation of its head office from 1111 N. Loop West. Jon Silberman of NAI Partners represented the Tenant, an insurance agency with other offices in Louisiana, Arkansas and Florida. Bowen. Brian Strait of Lincoln Properties represented the owner, Hertz Investment Group.

Soft-Tex International, a producer of bedding products based in Waterford, NY, has opened a 170,000 square foot manufacturing facility at 1407 Gillingham Lane in Sugar Land. Beau Kaleel and Brooke Forrest of Cushman & Wakefield represented the owner, Sugar Land Industrial Properties. John Nicholson of Colliers International represented the tenant. The facility, which will create 150 jobs throughout 2021, will be used as a model for two more U.S.-based facilities by the end of 2022 to further increase the company’s domestic production.

On HoustonChronicle.com: Venterra Realty buys land from Cypress for apartment development

Based in Dallas Civitas Capital Group acquired Territory at Greenhouse, a 288-unit, 13-building garden-style apartment complex located at 2500 Greenhouse Road in West Houston. Rootvik Patel and Chandler Kyser led the transaction for Civitas. Marcus & Millichap represented the seller, Maple Creek Apartments LLC, and arranged the financing.

Small 3D Machines leased 5,007 square feet at 5151 Mitchelldale. Jeff Kuper of Lee & Associates represented the tenant. Justin Harrity represented the owner, Hartman Income REIT.

Jang W. Kim, an individual, leased 3,989 square feet at 16420 Park Ten Place. Sarah Seo of HomePlus Realty Group represented the tenant. Ami Figg represented the owner, Hartman Income REIT.

BRS United States leased 3,382 square feet at Two Memorial City Plaza at 820 Gessner. The owner, MetroNational, was represented internally by Warren Alexander and Brad MacDougall. Mark Kidd Sr. and Mark Kidd Jr. of M Kidd Properties represented the tenant.

ATCO Energy signed a 7 acre ground lease for the 3004C Aldine Bender. Jake Wilkinson of NAI Partners represented the tenant.

Slate & Associates Holdings purchased a 2,700 square foot office building at 1635 Dunlavy in Montrose for their family law practice. The seller, 1635 Dunlavy LLC, was represented by Ryan Neyland of Davis Commercial Real Estate

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