Costa Rica loans – Gran Logia Costa Rica Tue, 22 Nov 2022 04:00:56 +0000 en-US hourly 1 Costa Rica loans – Gran Logia Costa Rica 32 32 Dole Pineapples Group Receives Big Winner Award for Social Responsibility in Costa Rica Mon, 21 Nov 2022 14:00:00 +0000

CHARLOTTE, North Carolina–(BUSINESS WIRE)–Dole plc (NYSE:DOLE) today announced that the American-Costa Rican Chamber of Commerce (AmCham) has recognized the company’s pineapple operations in Costa Rica SA, with the Social Responsibility in Action award in the category Employees for their project “Information and wellness centers.”

In the designation AmCham has further distinguished this project as the set big winner from over 40 submissions that participated in the chamber’s corporate social responsibility event. This year marks the 26e anniversary of the prize and the first year in which an overall winner was selected from among all the entries.

The “Information and Wellness Centers” are an integrated initiative that aims to have a positive impact on the lives of agricultural workers and families by providing support and access to information from more than thirty public and private organizations that interact with citizens on a daily basis.

The concept was developed through a diagnostic to understand the main needs of Dole’s rural workforce and how the company could help better meet those needs. A myriad of documents and processes that workers and families face – and struggle to resolve – or result in missed opportunities, have been identified. Often, dealing with bureaucracy also results in wasted time and income, increased expenses, long-distance travel and diminished livelihoods, especially in rural areas where public and private services are limited. .

Concretely, the Information Centers allow Dole workers to access services for themselves or to direct family members to solve problems related to their benefits, their residence, their personal finances and much more. . These problems would be difficult or too expensive to solve on their own.

As one farm worker from Dole said, “My wife couldn’t get medical care because she didn’t have a formal job and didn’t have the resources to pay into the health insurance scheme. Thanks to the intervention of the Information Center, we managed to register and my spouse can benefit from social security benefits.

Dole is the first company of any type in the country to offer this free service to its agricultural employees directly in the workplace. The Information and Wellness Center is a resource in the hands of 3,300 workers and their families, which promotes personal and family development, a sense of belonging and motivation.

“We are extremely proud to receive two awards at this prestigious social responsibility event. The designation as big winner among so many examples of social responsibility in Costa Rica, is testament to the team effort required to design and build these centers for our agricultural employees,” said Mr. Renieri Nuñez, Vice President of Pineapple Operations for the ‘Latin America. “There is no doubt that when efforts are focused on the person, our most important business asset, the results can be amazing. It started as an idea to solve paperwork problems and has proven to be the most important step in motivating employees at all levels of our organization and producing tangible results in the lives of our families.

Through direct contact with more than 39 institutions, the centers provide training in the use of digital platforms and support for information, advice and monitoring of personal files and procedures with participating organisations.

Some of the achievements are reflected in the positive impact on household finances, time use and the reduction of geographical, technological, educational, economic and social gaps. Families have better access to citizenship rights, public and private benefits, services and opportunities. By supporting its employees with this unique service, Dole has benefited from increased engagement, reduced absenteeism and created a very positive work environment.

The project in figures (as of August 2022):

  • The information centers have now been extended to the company’s four pineapple farms.

  • 3,978 users were served by the centres.

  • 11,552 services provided.

  • 10,195 requests via WhatsApp.

  • 6,378 interventions succeeded in obtaining results such as licenses, passports, national and residence cards, insurance, loans, opening of bank or savings accounts, procedures on computer platforms, among others.

  • At least 2,170 services have contributed to the fight against multidimensional poverty.

  • On average, 34.4% of users used the center on more than one occasion.

  • 536 workers were trained in the management of personal procedures.

In 2020, Dole introduced its three-pillar sustainability framework, The Dole Way, and its ongoing commitment to food, nature and people. Just as Dole Costa Rica pioneered the development of global environmental management systems in agriculture nearly 25 years ago to guide its “For Nature” efforts, earlier this decade the company innovates once again by creating information and well-being centers focused on its most important resource: “For People”.

About Dole plc

Dole plc is one of the world’s largest producers and distributors of high quality fresh fruit and vegetables. Dole plc is an industry leader in many of the products it sells, as well as in nutritional education and research. For more information, visit

About Dole Way

In April 2020, Dole Food Company announced The Dole Way, outlining its sustainability commitment and framework around people, nature and food. For more information, visit

]]> Mr. Alexander George Muthoot honored with the Chanakya Prize Sat, 19 Nov 2022 15:45:26 +0000

This honor is for a significant contribution to the field of administration and good governance. This award was presented during a scintillating function in Kolkata on November 11, 2022.

Sri. Alexander George Muthoot (Photo credit: social media)

New Delhi:

This honor recognizes a significant contribution in the field of administration and good governance. This award was bestowed in a glittering ceremony in Kolkata on November 11, 2022. Shri. Alexander George Muthoot, Co-Chief Executive of the Muthoot Group, continues the 800-year legacy of the Muthoot family through various corporate social responsibility initiatives and strong corporate governance practices. Today, Muthoot Finance is the flagship company of the Muthoot Group, a multifaceted and multifaceted conglomerate, with 20 diversified business divisions. One of the company’s visionaries credited with the tremendous success of the group is Alexander George Muthoot, joint managing director of the Muthoot Group. Alexander oversees the group’s operations in North, East and West India across 18 business functions and 20 diversified divisions and spearheads its relentless march to greater glory. Mr. Alexander George Muthoot is the youngest son of the late Shri. MG George Muthoot, the former Chairman of The Muthoot Group. Holder of an advanced degree in business administration from Florida International University and an MBA from Thunderbird University in the United States, Alexander joined the family business as a Manager. His tireless efforts helped him rise through the ranks to become the co-general manager of the group.

Develop relentlessly

Polite and soft-spoken, Alexander is a formidable business leader. He actively introduced the use of modern techniques and technologies, not only in operations, but also in the way oversight was maintained over the actions of individuals, departments and functions. The role of strong corporate governance in modern businesses is one of those strong beliefs and he likes to put it into practice in any way possible. Some of the many corporate governance practices adopted by the Group include a strong audit department with a team of over 1100 internal auditors, the use of specific software such as statutory compliance management, various process automations, client onboarding via CRM software integrated with Digital KYC & Video KYC, use of high-tech monitoring systems through remote monitoring for safety and security of client pledged gold , etc. although the Group has made strategic investments in innovative customer-centric initiatives, staff well-being measures, dissemination of information through brand initiatives. Internal monitoring and ongoing risk management mechanisms through expert committees have also been strengthened and made more vigorous.

About Muthoot Group

Muthoot Finance Ltd is the flagship company of the Muthoot Group, which has 20 diversified business divisions with over 5750 branches across India. Muthoot Finance serves over 2.5 lakh customers every day. Muthoot Finance is India NBFC’s Largest Gold Loan and India’s Most Trusted Financial Services Brand, according to Brand Trusted Report (2016-2020). As part of its core business, Muthoot Finance offers domestic gold jewelry secured loans at very affordable rates and amazing product features. Globally, the group has a presence in the United States, United Kingdom, United Arab Emirates, Costa Rica, Nepal and Sri Lanka. For more details, please visit:

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First published: November 19, 2022, 9:15:26 PM

IDB assists Central America and Dominican Republic in response to hurricane – Belize Wed, 16 Nov 2022 18:08:45 +0000

The Inter-American Development Bank (IDB) has activated an emergency response for Central American countries that have been hit in recent months by hurricanes Julia, Fiona and Lisa, as well as other tropical storms and heavy rains, which caused flooding and mudslides that killed and damaged infrastructure in the region.

The Bank made available $40 million in immediate resources, including emergency grants for Belize, Costa Rica, El Salvador, Guatemala, Honduras, and the Dominican Republic; conditional loans in Nicaragua and El Salvador; and a reallocation of funds within the Honduras portfolio. These resources will provide humanitarian aid to victims of emergencies and will also be used to assess damage, identify areas at risk and restore infrastructure.

Building resilience in the region

In addition to its immediate response to emergencies, the IDB pursues a strategy aimed at making countries in the region more resilient to disasters. Its strategy is based on the Sendai Framework — the international agreement on disaster risk reduction — which has four priorities: (1) understanding disaster risk; (2) strengthen disaster risk governance; (3) investing in disaster risk reduction for resilience; and (4) improve disaster preparedness for effective response.

As part of these actions, the IDB has developed initiatives for water resource management, sustainable coastal zone management, building the resilience of agroforestry activities, and building the resilience of social and productive infrastructure, among others. It is also working with countries in the region to strengthen disaster risk governance by updating the Index of Governance and Public Policy in Disaster Risk Management (iGOPP). This update will guide effective processes for managing risk and adapting to climate change. Alongside this program, the IDB is also working on knowledge sharing on building resilience (Spanish version only).

This week, the 27th Conference of the Parties to the United Nations Framework Convention on Climate Change (COP 27) is taking place in Egypt, and the IDB Group is participating as a key strategic partner in Latin America and the Caribbean. to channel private sector investment for climate action.

About the IDB

The Inter-American Development Bank is dedicated to improving lives. Founded in 1959, the IDB is a major source of long-term financing for economic, social and institutional development in Latin America and the Caribbean. The IDB also conducts cutting-edge research and provides policy advice, technical assistance and training to public and private sector clients throughout the region. Access our virtual tour.

Jamaica and Barbados to benefit from electric mobility initiative | Caribbean Fri, 11 Nov 2022 14:50:49 +0000

SHARM EL SHEIKH, Egypt, CMC – Jamaica and Barbados will benefit from the first regional program to promote electric mobility and green hydrogen in Latin America and the Caribbean which was first approved by the Green Fund for the Climate (GCF) in July this year.

The Inter-American Development Bank (IDB) said it has approved a partnership with the GCF for the program initiative, known as the Electric Mobility Program for Sustainable Cities in Latin America and the Caribbean, which aims to provide 450 million in concessional loans and grants to nine countries to help cities across the region transition to lower carbon emissions and resilient public transport.

It will accelerate the use of electric and hydrogen-powered public transport and make urban mobility systems more resilient to climate change.

The program will help fuel the green transition in Barbados, Chile, Colombia, Costa Rica, Dominican Republic, Jamaica, Panama, Paraguay and Uruguay.

IDB Vice President for Sectors and Knowledge, Benigno Lopez, and Yannick Glemarec, Executive Director of GCF, made the announcement after a bilateral meeting during the 27th Conference of the Parties to the Convention- United Nations Framework on Climate Change (COP27).

The IDB is playing a key role at the conference as the region’s main strategic partner in shifting private and public investment towards climate action and in mobilizing private capital.

“Our $200 million investment will not only help increase access to low-emission transportation and build resilience in urban transportation infrastructure, but it will also bring socio-economic benefits to millions of people in Latin America and in the Caribbean,” Glemarec said.

By improving access to low-emission transport, the program will eliminate 7.5 million tonnes of carbon dioxide emissions.

Meanwhile, its climate adaptation function will directly benefit 1.5 million people and indirectly 9 million people, or 9% of the total population of beneficiary countries.

Benefits will also include lower fossil fuel import bills, improved public and private sector mobility capacity, new green jobs, a just transition that takes into account gender and other considerations, and a more efficient electricity grid. resistant to climatic events.

The IDB and other partners are expected to provide $200 million in financing ($195 million in loans and $5 million in grants), while the Green Climate Fund has just approved an additional $200 million ($145 million). dollars in loans and $55 million in grants).

Governments of recipient countries are expected to provide additional local co-financing of $50 million, for a total initial investment of $450 million.

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Bookings begin in 2023 for the 100-unit community coded by BIG-Bjarke Ingels Group

GEORGETOWN, TX, November 10, 2022 /PRNewswire/ — Lennar, one of the nation’s leading homebuilders, and ICON, a building technology company pioneering large-scale 3D printing, today announced that building the largest community of 3D printed houses is underway and reservations will begin in 2023.

Located north of Austin in the town of from George Town Planned community of Wolf Ranch by Hillwood Communities, a Perot Company, the 100 Home Community combines innovative robotics, software and cutting-edge materials to create state-of-the-art, environmentally sustainable and globally remarkable homes. architectural blueprint. Each Lennar home at Wolf Ranch is co-designed by renowned architectural firm BIG-Bjarke Ingels Group. Prices are expected to start from mid-$400,000s.

“We are very excited to partner with ICON and BIG to create a one-of-a-kind printed home community that combines innovative designs with durable functionality at an affordable price,” said Stuart Miller, executive chairman of Lennar. “Given the persistent housing shortage across the country, it has never been more important to innovate in order to find new construction methods that will allow greater design flexibility and greater production at affordable prices. affordable.”

Contemporary mix Texas Ranch-style aesthetics, the 3D printed home community features high architectural and energy-efficient designs that highlight the benefits of resilience and sustainability with the digital possibilities of additive construction. Delivered quickly and at scale using a fleet of ICON’s Vulcan robotic building systems, advanced software and materials, each home’s complete wall system – including interior and exterior walls – is produced with less waste and with more design freedom.

“For the first time in the history of the world, we are witnessing here a fleet of robots building an entire community of houses. And not just any houses, better houses in every way…better design, more great strength, increased energy performance and comfort, and increased resilience,” said Jason Ballard, co-founder and CEO, ICON. “In the future, I believe robots and drones will build entire neighborhoods, cities, and towns, and we will look to the Wolf Ranch community of Lennar as where large-scale robotic construction began. We have still a long way to go, but I believe this marks a very exciting and hopeful turning point in how we address housing issues around the world.”

Construction at Wolf Ranch deepens a relationship that began with Lennar’s investment in AustinICON’s Series B funding round offers a promising path to another method of delivering technology-driven homes that meet growing demand in desirable communities. In addition to state-of-the-art homes, Lennar homeowners at Wolf Ranch can enjoy all the amenities offered in the tree-covered hills – including pools, recreational trails and parks easily accessible from downtown. georgetown and a short drive Austin.

Lennar investments are facilitated by LENX, which is driving a focused strategy within Lennar to integrate technology solutions into the homebuilding industry. With a clearly defined strategy of investing in technology companies directly adjacent to Lennar’s core residential construction business and a disciplined investment process, LENX provides hands-on mentorship and guidance from senior leaders of Lennar’s management team and a unique opportunity to deliver products and technology to Lennar’s customers, enabling portfolio companies to grow at an unprecedented rate .

The community will offer eight stunning floor plans with 24 unique elevations ranging from 1,574 to 2,112 square feet of thoughtful living space. The homes will offer three to four bedrooms and two to three bathrooms. All homes will be powered by the sun with rooftop solar panels and will include components from Lennar’s Connected Home Package, including a Ring Video Doorbell Pro, Schlage Encode™ Smart WiFi Deadbolt, and Honeywell Home T6 Pro WiFi Smart Thermostat . Additionally, each home will be equipped with the Wolf Ranch Security Pack.

“We are thrilled to welcome Lennar and ICON’s cutting-edge home building technology to georgetown“, georgetown Mayor Josh Schröder said. “The georgetown community is proud to honor our past and innovate for our future, and we look forward to seeing the future built right here. »

Hillwood Communities is honored that ICON and Lennar have chosen Wolf Ranch to launch this exciting initiative and we look forward to the positive impact it will bring to the homebuilding industry,” said Fred Balda, President of Hillwood Communities. “This innovative approach aligns with Hillwood’s long history of elevated design and the thoughtful development approach we take to provide a higher standard of living for residents in our communities.”

Reservations begin in 2023. Interested homebuyers can join the list of interest by clicking here.

About Lennar Corporation

Lennar Corporation, founded in 1954, is one of the nation’s leading builders of quality homes for all generations. Lennar builds affordable, premium, active adult homes primarily under the Lennar brand. Lennar’s Financial Services segment provides mortgage financing, title and closing services primarily to purchasers of Lennar homes and, through LMF Commercial, issues mortgage loans secured primarily by commercial real estate properties in the whole United States. Lennar’s multi-family segment is a nationwide developer of high-quality multi-family rental properties. LENX is the driver of Lennar’s technology, innovation and strategic investments. For more information about Lennar, please visit

About the icon

ICON develops advanced building technologies that advance humanity. Using proprietary 3D printing robotics, advanced software and materials, ICON is changing the paradigm for home building on Earth and beyond. For more information, visit or follow the conversation on instagram, Twitter, Facebook, Youtube (@ICON3DTech).

About BIG – Bjarke Ingels Group

BIG-Bjarke Ingels Group is a Copenhagen, New York, London, Barcelonaand shenzhengroup of architects, designers, urban planners, landscape professionals, interior and product designers, researchers and inventors. Led by Bjarke Ingels, the studio is currently involved in projects across EuropeAmericas, Asiaand the Middle East. BIG’s architecture emerges from a careful analysis of how contemporary living is constantly evolving and changing. BIG believes that by striking the fertile overlap between pragmatics and utopia, architects can find the freedom to change the surface of our planet, to better suit contemporary life forms.

About Hillwood

Hillwood, a Perot Company, is a leading commercial and residential real estate developer, investor and property advisor in North America and Europe. Through its Communities division, Hillwood has delivered more than 40,000 single-family lots in more than 100 planned communities in 13 states and Costa Rica. These communities continue to raise the bar in terms of quality, innovation and the unmistakable sense of community that sets each property apart. Before laying the physical foundations of any new residential development, Hillwood Communities takes the time to focus on the ideals that bring people together – and the everyday interactions that strengthen those bonds. By deliberately designing its walkways, gathering spaces and structural amenities to spark spontaneous encounters and foster common interests, Hillwood Communities believes in the power of community. For more information, please visit

About City of George Town

georgetown is a welcoming and vibrant city that has been ranked #1 in Southern Living Magazine’s “Best Cities to Live in the South” and is home to “the most beautiful town square in Texas.” georgetown has a rich history, with Victorian storefronts and a cultural district with a wide selection of restaurants, wineries, shops, art galleries, theaters and museums, as well as southwestern universitytied for No. 1 National Liberal Arts College in Texas in the latest US News & World Report ranking. Outdoor recreation includes 40 parks, 26 km of hiking and biking trails, and Lake Georgetown. georgetown is the fastest growing city in the United States with a population of over 50,000.

Contact: Danielle Tocco
Communications Vice President
Lennar Company
[email protected]
Direct line: 949.789.1633

SOURCE Lennar Company

‘Nicaragua will end up alone’ as migrants flee Tue, 08 Nov 2022 01:22:20 +0000 Managua (AFP) – Jose Galeano is about to embark on the biggest and scariest journey of his life. He took out a secured loan on his house and paid smugglers to help him begin an odyssey he hopes to complete in the United States.

After working as a farmhand, gardener and laborer, the 35-year-old former vet graduate joins thousands of Nicaraguans fleeing Latin America’s second-poorest country.

There is “little work, wages are low, there are no opportunities,” Galeano lamented the day he left home.

Nicaraguan emigration has skyrocketed in the past year due to crippling living costs, lack of work and a crackdown on dissent.

Galeano plans to walk to the United States with a brother and two cousins.

“We hope to get there and work,” he told AFP from his humble home in Managua, where he left behind a daughter, his mother and his grandmother.

Moises Espinoza kisses his grandmother before leaving Nicaragua with the aim of joining the United States alongside his cousin Jose Galeano STRAFP

“We took a loan, secured by the land, the house, and with that, we’re leaving… I’ve never made such a long trip and I’m scared.”

Many migrants have lost their homes after being unable to repay similar loans.

Galeano’s dream is to return home with enough money to open a bakery in Managua.

Tears flowed as friends and family gathered in a somber atmosphere at his home to watch him go.

“Only us old people are left”

According to local media, citing the families of the victims, at least 40 Nicaraguan migrants have died of asphyxiation, drowning and road accidents in 2022.

Jose Galeano's mother Alba Sanchez and one of his grandchildren wave goodbye to him as he leaves Managua
Jose Galeano’s mother Alba Sanchez and one of his grandchildren wave goodbye to him as he leaves Managua STRAFP

Hundreds of people, including children, gather at various locations in Managua with nothing but backpacks, waiting to catch buses offering tourist “excursions” in Guatemala.

It’s the first leg of a journey that will see them pay between $2,000 and $5,000 to a “coyote,” or smuggler, to take them from Guatemala to the United States.

At some point, they will have to cross the Bravo River, by swimming or on a raft.

At least 60 people from the Galeano area have embarked on this journey this year.

“They keep leaving. It’s just us old people. Nicaragua will end up alone,” moaned Roger Sanchez, a 60-year-old farmer.

Three of her four children have emigrated to the United States and the fourth plans to follow them.

Some 57% of Nicaraguans are ready to migrate, especially to the United States, according to a poll conducted by the Costa Rican society Cid Gallup in September and October and published by the online newspaper Confidencial.

The top three reasons cited were lack of employment, high cost of living and government corruption.

sleep in the streets

The desire to leave has seen people from all over Nicaragua converge on migration offices in Managua to apply for passports.

Jose Galeano had to take out a secured loan against his house to be able to afford the trip to the United States
Jose Galeano had to take out a secured loan against his house to be able to afford the trip to the United States STRAFP

Many sleep outside in the street on mattresses or pieces of cardboard.

The number of emigrants is not officially recorded. but the migration office said on its website that it had issued more than 20,000 passports, including 2,000 to children, between September 17 and October 7.

President Daniel Ortega, in power since 2007, insisted last week that US sanctions imposed on the country were responsible for the mass exodus.

In addition to the president himself, the United States has sanctioned more than 30 family members, allies and businesses linked to the government.

Washington imposed sanctions following a brutal 2018 crackdown on anti-government protesters.

“Keep imposing sanctions and more immigrants will come to the United States, no matter how hard you want to close the doors to them,” Ortega said.

US statistics show border guards turned away 164,000 undocumented Nicaraguans in 2022, three times more than the previous year.

Nearly a quarter of Nicaraguans live in poverty, according to official figures. Central America’s smallest economy has been stuck in a political and economic crisis since 2018, as Ortega comes under fire for his growing authoritarianism.

Manuel Orozco, of the Washington-based Inter-American Dialogue think tank, says politics is largely responsible for migration.

“The persecution in Nicaragua is so brutal that people would rather risk leaving than staying and exposing themselves to further repression,” he said.

Authorities imprisoned more than 200 opposition figures and outlawed some 2,000 civil organizations.

Randall Castillo Ortega of RACO Investment explains the importance of the sales funnel in business Tue, 01 Nov 2022 20:49:05 +0000

There is a process that guides you in selling and attracting people to the product or service. Each step must be carefully managed to create end value. This process is known as the sales funnel. This process can be used in several ways. Randall Castillo Ortega, founder of SME investor RACO Investment, is an expert on business growth and how to build an e-commerce sales funnel.

Each stage of the Inbound Marketing funnel involves tasks that fuel marketing actions to strengthen relationships between business customers and the business. The web acts as an e-commerce platform and a channel to drive the conversion process. The website and all of its components must function properly to generate sales. Castillo explains, The funnel is crucial in determining the buying stage of your customers and the messages or strategies you need to use to convert them.

Website traffic analysis is a great way to analyze your product purchase cycles. Search Engine Optimization (SEO) is a strategy that ensures that people click on your website every time they search for it. The company may have different requirements for the funnel. This may require different actions, such as business appointments, queries, or landing pages. You can also use email tracker, phone tracker, store visits and email tracker to track your phone number. This is possible by understanding the customer journey of your Buyer Persona.

Weekly sales metrics will provide insight into the company’s progress and direction in achieving its goals. Weekly metrics and docs are a great way to keep your business informed about new opportunities and the most important aspects of pipeline tools. This allows the sales team to better target its target. To optimize your business strategies, we recommend having an e-commerce metrics dashboard.

The three funnel stages highlight the importance of being found in search engines. You can get people to link to you by adding value to your content. You can also analyze the keywords users use and the pages they visit to determine the content they are looking for. This will allow you to position yourself better.

You can have as many stages in your funnel as you want. You can divide your sales funnel to include e-commerce. The three main phases of a funnel are TOFU, MOFU, or BOFU. Top of the funnel (TOFU) refers to brand awareness. According to Castillo, at this point site visitors may have arrived at the page for a variety of reasons, including good web design, Google search results, social media appearances, or advertising campaigns.

Content marketing is a great way to attract potential customers at this stage. He retains and contributes what he wants: quality articles, expert opinions and constantly updated content. Social media strategies are essential for user engagement as well as spreading blog content. Webinars, as well as other informative content, can be added at this stage. This is where you will find advertisements, ad servers and mail marketing.

The middle of the funnel (MOFU) includes actions that build confidence for users who have already gone through the TOFU phase. This step requires the user to provide their personal data. This sales funnel cover is for e-commerce.

Trust is crucial because the users who share their data with your company demonstrate an affinity. This is why the MOFU phase and other phases must have security and navigation to locate products with breadcrumbs. The MOFU phase will be used for the retargeting and development of prospecting campaigns. Special promotions are available for those who have reached this stage of confidence.

The user will also get a better search experience that will save their time and help them move on to the next step. Predictive writing is used to accept misspellings and synonyms. The task of e-commerce is to convince the customer that the service provided is the best in the market. Leads are the greatest asset for any marketer or salesperson.

You can buy or not. This is the lower end of the funnel (BOFU). Now the truth is out. The final decision will be made by the user, and he will then be your customer. You need to show that you are happy with the experience and encourage others to do the same. It is important to include as much information as possible on the purchase screen. Users don’t want to be surprised by unexpected charges. It is important to clearly state shipping costs, returns and any discounts.

Castillo adds, At this point, it’s important to remember that it costs more than retaining existing customers. Abandoned cart recovery strategies are highly recommended, including email reminders or remarketing, special discounts, and customer reminder emails.

About RACO Investment

RACO Investment is a financial investment company serving small and medium enterprises in Panama and Costa Rica. It was founded by Randall Castillo Ortega, an expert financial advisor who has his roots in the import and export industry in Latin America. The company has helped many startups find the financial backing they needed to get started. It has also provided bridging loans to help those looking to restructure or improve their operations.

This news content may be incorporated into any legitimate news gathering and publishing effort. Linking is allowed.

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California’s reparations push could give black residents hundreds of thousands of dollars — here’s what they say they’ll do with it Fri, 28 Oct 2022 17:47:00 +0000 Keisha Brown, 49, is married with five children and lives in a Bay Area suburb. Even with two incomes, she says, she and her family are struggling.

The rent keeps going up. They must use credit cards. The house they rent in Antioch, California, is now worth around $700,000. That’s more than Brown, who works in human resources, and her husband, a bus driver, could buy.

Keisha Brown

(Courtesy of Keisha Brown)

So if California became the first state in the nation to eventually provide hundreds of thousands of dollars in reparations to its eligible black residents, it would mean a significant boost for Brown and his family.

“Sure [reparations] would mean better for our children,” Brown said. “It would provide some stability and we might have something to leave for our children. They won’t have to rob Peter to pay Paul like we had to.

For California’s roughly 1.8 million black residents who are descendants of slaves, reparations could allow many of them to finally buy homes, pay off student loans, try to build wealth generation and more. MarketWatch spoke with Brown and other Black Californians, who are at different stages of their lives, and they all said the repairs would help them in some way.

Economic consultants for the State Reparations Task Force — established by law and the first of its kind at the state level — recently presented calculations for some scenarios that include numbers in the hundreds of dollars. thousands of dollars in reparations for every California resident who can prove they are descended from a slave.

Among these numbers:

  • Reparations based on national average racial wealth gap: $358,293.

  • Remedies based on the value of certain state-level harms: $223,239 for housing discrimination and redlining; $124,678 for disproportionate mass incarceration; $127,226 per year of life expectancy for damage to health due to health care disparities and other factors.

  • Reparations based on a hybrid model that would consider both the national racial wealth gap and state-level harms: The task force would determine over what percentage of the amount of the national racial wealth gap California should “make a down payment”.

Additional dollar figures may be coming. Task Force Chair Kamilah Moore told MarketWatch that “there could be even more requests from economic consultants to come up with new monetary remedies” by mid-December, when the task force is due to hold its next public meeting in Oakland.

See: Landmark report lays out case for compensating descendants of slaves in California

The task force released its first report over the summer, and it has until next June to submit its second and final report to the state legislature. State lawmakers will consider the task force’s recommendations and may eventually draft legislation on the type and amount of reparations black residents should receive.

“A Beginning” and “A Game Changer”

For Zion Harris, a dancer and choreographer based in Los Angeles, hundreds of thousands of dollars would “definitely be a start. I am still very young,” he said.

Zion Harris

(Courtesy of Zion Harris)

The 22-year-old, the youngest of five children who never knew his father, said “there was a lot of struggle in my family”, including when his mother, a bus driver, had a stroke and aneurysm over a decade ago. She couldn’t work for a few months and they lost their family home in Hercules, California.

Harris said the money from the repairs could help her buy a car and a house, among other things.

He said it was important to him as a gay, black man to share his creativity with the world, but he struggled financially despite spending hours on his craft. He said he earned around $60,000 last year appearing in a Coach commercial with Megan thee Stallion, dancing at the Grammys with Lil Nas X and appearing in music videos for Christina Aguilera, Nicki Minaj and other artists.

Since August, Harris has been a dancer on reggaeton star Daddy Yankee’s World Tour and spoke to MarketWatch from Costa Rica. Booking the tour has helped him breathe, as it’s a regular job.

“From now on, I’m financially stable because I’m on tour,” he said.

Receiving reparations, Harris added, “would help kick-start more of what I’m trying to do in my career.”

Even those with established careers would get what they feel they deserve because of systemic racism.

Dante King, 46, a permanent resident of the Bay Area, teaches African American studies as a visiting professor at the University of California, San Francisco. He teaches a course at the Mayo Clinic and has worked in human resources doing work on diversity, equity and inclusion. He also self-published a book titled “The 400-Year Holocaust: White America’s Legal, Psychopathic, and Sociopathic Black Genocide – and the Revolt Against Critical Race Theory”.

Dante King

(Amy Osborne/Courtesy Dante King)

Reparations “could be a game-changer for people like me who still suffer from discrimination,” King said. The first in his family to go to university, he has doctoral debt and is no longer a landlord. He would use the money to pay off his loans and buy a house again. He also hopes to be able to leave a legacy for his nephew.

“It could change the lives of so many people I know – the previous four or five generations, the discrimination they faced even after slavery put them in the predicament they find themselves in,” said- he declared.

Black homeownership in the state in 2019 was 36.8%, according to the Census Bureau’s American Community Survey, compared to 63.2% for whites, 60.2% for Asians and 44, 1% for Latinos. And black families in California earn 60 cents for every dollar white families earn, according to an analysis by the Public Policy Institute of California earlier this year based on data from the American Community Survey. The PPIC cited factors such as disparities in education, employment opportunities and incarceration, as well as discrimination in the labor market.

Education and Eligibility

These disparities are why Gigi Crowder, executive director of the Contra Costa County Chapter of the National Alliance on Mental Illness, is leading a campaign to establish a center in Contra Costa County in the Bay Area to to provide financial and wellness education to Black people.

Gigi Lightning

(Courtesy of Gigi Crowder)

Crowder, 60, said she would personally benefit from the repairs. She took out loans to help her two sons pay for their education, so she could use the money. She too would like to leave an inheritance to her sons and their possible future children.

But what’s on her mind above all else is how she wants the black community to benefit from long-term reparations, which is why she’s pushing for the hub. Crowder said she’s worried that because some African Americans “have had less exposure to large dollar amounts,” there’s a risk that reparations money won’t have enough of an impact on the community. in general.

“Some guidelines on how to use money to ensure you have generational wealth would be good,” Crowder said. “Whatever dollars come to us, how do we leverage it?”

She acknowledged that some people might find her concern offensive, as if black people don’t know what to do with the reparations money. But having previously worked to reduce disparities within communities as the ethnic services manager for Alameda County Behavioral Health Services, she said education was key.

People lost important opportunities because they weren’t aware of what was possible, Crowder said: “I’ve known people who got discouraged from applying for a P3. [Paycheck Protection Program] loans, or who have lost their house when they could have kept it.

Harris, the dancer, said he thought Crowder’s push for a financial and wellness hub was a great idea. “Educating people on how to get help is good,” he said. “In school, we are not taught anything about taxes, savings accounts or starting a business.”

Finally, Crowder, Brown and King all expressed concern about how they or others would prove their eligibility – they must be the descendant of at least one enslaved person or the direct descendant of a free black person who lived in this country before the end of the 19th century – if and when the time comes and it is necessary to receive reparations. Proving lineage might take resources that some people might not have.

” Where to start ? Brown asked, adding that she had done genetic testing but was unable to determine exactly where her ancestors came from in Africa. “You have to pay money to find all this.”

Among the task force’s recommendations is the creation of an Office of African American/Freedmen Affairs to address past and potential future harms, which would include an administrative arm to assist claimants.

Moore said she intends to discuss with the task force how the state can ease the burden on people who want to prove their eligibility.

“The standard is set, but that doesn’t mean it doesn’t need tweaking,” she said.

Loan cancellation halted, CDC director positive for COVID-19, college football: Weekend news you missed. Sun, 23 Oct 2022 20:53:43 +0000