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Killexams : IBM FileNet benefits - BingNews https://killexams.com/pass4sure/exam-detail/000-587 Search results Killexams : IBM FileNet benefits - BingNews https://killexams.com/pass4sure/exam-detail/000-587 https://killexams.com/exam_list/IBM Killexams : IBM’s former CEO downplays the importance of a college degree for six-figure earning ‘new collar’ jobs that now make up half of its workers

A four-year bachelor’s degree has long been the first rung to climbing America’s corporate ladder.

But the move to prioritize skills over a college education is sweeping through some of America’s largest companies, including Google, EY, Microsoft, and Apple. Strong proponents say the shift helps circumvent a needless barrier to workplace diversity.

“I really do believe an inclusive diverse workforce is better for your company, it’s good for the business,” Ginni Rometty, former IBM CEO, told Fortune Media CEO Alan Murray during a panel last month for Connect, Fortune’s executive education community. “That’s not just altruistic.”

Under Rometty’s leadership in 2016, tech giant IBM coined the term “new collar jobs” in reference to roles that require a specific set of skills rather than a four-year degree. It’s a personal commitment for Rometty, one that hits close to home for the 40-year IBM veteran.

When Rometty was 16, her father left the family, leaving her mother, who’d never worked outside the home, suddenly in the position to provide.

“She had four children and nothing past high school, and she had to get a job to…get us out of this downward spiral,” Rometty recalled to Murray. “What I saw in that was that my mother had aptitude; she wasn’t dumb, she just didn’t have access, and that forever stayed in my mind.”

When Rometty became CEO in 2012 following the Great Recession, the U.S. unemployment rate hovered around 8%. Despite the influx of applicants, she struggled to find employees who were trained in the particular cybersecurity area she was looking for.

“I realized I couldn’t hire them, so I had to start building them,” she said.

In 2011, IBM launched a corporate social responsibility effort called the Pathways in Technology Early College High School (P-TECH) in Brooklyn. It’s since expanded to 11 states in the U.S. and 28 countries.

Through P-TECH, Rometty visited “a very poor high school in a bad neighborhood” that received the company’s support, as well as a community college where IBM was offering help with a technology-based curriculum and internships.

“Voilà! These kids could do the work. I didn’t have [applicants with] college degrees, so I learned that propensity to learn is way more important than just having a degree,” Rometty said.

Realizing the students were fully capable of the tasks that IBM needed moved Rometty to return to the drawing board when it came to IBM’s own application process and whom it was reaching. She said that at the time, 95% of job openings at IBM required a four-year degree. As of January 2021, less than half do, and the company is continuously reevaluating its roles.

For the jobs that now no longer require degrees and instead rely on skills and willingness to learn, IBM had always hired Ph.D. holders from the very best Ivy League schools, Rometty told Murray. But data shows that the degree-less hires for the same jobs performed just as well. “They were more loyal, higher retention, and many went on to get college degrees,” she said.

Rometty has since become cochair of OneTen, a civic organization committed to hiring, promoting, and advancing 1 million Black individuals without four-year degrees within the next 10 years.

If college degrees no longer become compulsory for white-collar jobs, many other qualifications—skills that couldn’t be easily taught in a boot camp, apprenticeship program, or in the first month on the job—could die off, too, University of Virginia Darden School of Business professor Sean Martin told Fortune last year.

“The companies themselves miss out on people that research suggests…might be less entitled, more culturally savvy, more desirous of being there,” Martin said. Rather than pedigree, he added, hiring managers should look for motivation.

That’s certainly the case at IBM. Once the company widened its scope, Rometty said, the propensity to learn quickly became more of an important hiring factor than just a degree.

This story was originally featured on Fortune.com

More from Fortune:

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Managing Gen Z is like working with people ‘from a different country’

The Renault Nissan empire once held together by fugitive Carlos Ghosn may slowly be unraveling

PayPal tells users it will fine them $2,500 for misinformation, then backtracks immediately

Sun, 16 Oct 2022 06:27:00 -0500 en-US text/html https://finance.yahoo.com/news/ibm-former-ceo-downplays-importance-165139880.html
Killexams : 3 Reasons IBM Is a Surprisingly Strong Buy

There's no denying it: This year's been a pretty lousy one for the market. The S&P 500 (^GSPC 2.65%) is down 23% year to date, and is sitting within easy reach of a new 52-week low. Blame the rout suffered by several key technology stocks, mostly, paving the way for most other equities.

There's a curious exception to this market-wide and tech sector weakness that's worth noting. IBM (IBM 1.23%) is holding up surprisingly well in the otherwise miserable environment. And it's arguably doing so for all the right reasons despite the specter of a recession. Here are the top three reasons.

1. Diversified business lines that are perpetually in demand

If the economy sours enough, it will take a toll on all businesses, with corporations being forced into extreme austerity. That's a worst-case scenario that doesn't seem a likely threat to IBM, though.

The company might not be positioned for significant growth, but it is positioned to generate revenue in almost any economic environment. Around one-third of its revenue stems from consulting work, while more than one-third comes from software sales. 

These aren't your typical consulting and software businesses, however. Much of it is contractual, meaning its client companies have pre-arranged access to employees or software for a specified period of time. Its annualized recurring software revenue, for example, now stands at $12.9 billion, making up roughly half of its current yearly software sales. Moreover, its software includes cybersecurity, data analysis, artificial intelligence, hybrid cloud computing, and transaction processing. These are service-based software suites that most of its customers rely on in a big way.

The kicker: CFO James Kavanaugh said a couple of years ago, "[For every $1 worth of business on a hybrid cloud platform], another $3 to $5 is
spent on software and another $6 to $8 on the cloud services." In other words, sales of hardware drive long-term software and consulting revenue, yet IBM's unique software and consulting offerings also drive hardware sales. It's a self-powering virtuous cycle.

IBM's solutions aren't something major enterprises can easily replace or simply stop using. In fact, the company argues that technology becomes an even more important growth driver when stagflation stifles traditional growth efforts.

2. IBM is making smart business-building acquisitions

Many companies make acquisitions to increase their revenue without much thought about where or how they fit in. But IBM's deals are made with purpose rather than rooted in status and stature. For instance, in July, the company announced its purchase of Databand.ai, adding the ability to spot errant digital data to the company's data-management arm. Earlier this year, it bought Neudesic, which operates a hybrid cloud consulting business specializing in Microsoft's Azure cloud platform.

None of the six deals the company has made this year have been particularly high-profile acquisitions. Neither have any of the other 20-plus acquisitions CEO Arvind Krishna has directed since taking the helm from Ginni Rometty in early 2020. IBM hasn't made any large-scale deals since buying Red Hat in 2019, in fact. But the smaller companies it's scooping up make its products more marketable.

While the accurate acquisitions have been relatively small, analysts at Evercore ISI (EVR 1.29%) suggest IBM could be mulling an acquisition worth as much as $30 billion, potentially pushing the company into an all-new line of business that creates synergy with its existing ones.

3. A little something is better than a lot of nothing

Lastly, IBM might never dish out enormous organic growth again, but it offers something even more valuable to investors amid economic weakness: a healthy dividend. It currently yields 5.2%, and given the consistent recurring revenue of much of its business as well as how well its payouts are covered, there's no reason to fear this dividend is in jeopardy.

Investors in tune with the company's fiscals might not completely agree. Last fiscal year, IBM dished out $6.55 per share in dividends, but the company only earned $6.41 per share. That's clearly not sustainable.

But it was a year complicated by COVID-19 and more corporate restructuring. In November, IBM completed the spinoff of its managed infrastructure business now called Kyndryl (KD 5.59%). While spinoffs don't technically incur direct operational costs, they can often take an indirect toll on a company's focus and ability to adapt to changing market conditions. IBM hasn't exactly escaped inflationary pressures and the fallout from broken supply chains, either.

Regardless, the company's bottom line is growing again. Analysts collectively expect per-share earnings of $9.34 this year, followed by an improvement to $10.05 next year. That's far more than enough to continue funding the dividend and extend its 27-year streak of annual dividend growth.

Dividends may not be your thing. Amid economic uncertainty, though, collecting good income becomes a pretty big deal.

Wed, 28 Sep 2022 18:03:00 -0500 James Brumley en text/html https://www.fool.com/investing/2022/09/29/3-reasons-ibm-is-a-surprisingly-strong-buy/
Killexams : How Divorce Impacts Your Military Benefits

Getting divorced is a complex process, and it is especially complicated in the military.

Most pitfalls for service members lie in the division of certain government benefits. There are particular restrictions for veterans that govern how their benefits are split during a divorce, as military or veteran benefits may or may not be distributed.

What Military Benefits Are Considered Marital Property?

A military pension may be considered shared property that must be divided in the event of divorce. In general, marital property that does not meet the criteria of separate property is split at divorce. Property obtained either before or after a divorce is referred to as "separate property." Property acquired during the marriage is usually considered shared property unless it was received as a gift or inherited entirely in the spouse's name.

New federal restrictions in 2017 also altered how pensions are distributed throughout all 50 states. The pension is currently locked in time as of the separation, divorce or annulment date. The purpose of this federal regulation was to prohibit an ex-spouse from receiving a higher-than-normal pension sum. For example, if the service member was a sergeant at the time of the divorce but is now a master sergeant, the ex-spouse will get a portion of the retirement income based on the lower rank.

Some examples of military benefits that would be considered separate property include Combat-Related Special Compensation (CRSC) and VA Disability Compensation. These payments are considered separate property of the retiree and are not split upon divorce because they involve an injury or medical condition and are not retirement benefits. Similarly, Department of Veterans Affairs disability compensation benefits are not subject to divorce since these benefits are viewed as a particular gratuity provided to veterans with disabilities related to their time in the military as recompense for any diseases or injuries they sustained while serving.

The 20/20/20 Rule

The 20/20/20 rule is often brought up during a military divorce when deciding upon an ex-spouse's access to the same benefits as a military spouse. The breakdown of the criteria that make ex-spouses eligible include:

  • Being married for 20 years;
  • The military spouse having served for 20 years; and
  • The 20 years of marriage overlapping the 20 years of military service.

Should the ex-spouse meet all of these requirements, they will receive access to the same benefits as a current military spouse for the remainder of their life, provided they don't remarry. They will still retain their military ID card, which grants them access to base commissaries and military exchanges. Continuation of Tricare benefits for qualifying spouses is not automatic and must be re-registered under their own names and Social Security numbers. Tricare requires applicants to provide original copies of their marriage certificates, divorce decrees and any other papers proving their ex-military spouse's service or retirement.

According to the Tricare website, eligible former spouses have the same Tricare coverage choices as retired family members up until they remarry or sign up for an employer-sponsored health plan.

The 10/10 Rule

Another rule that is often cited during a military divorce when it comes to awarding military pensions is the 10/10 rule. In short, the 10/10 rule states that, if the marriage lasted 10 years and the service member or former service member served in the military for at least 10 years during that time, the former spouse is entitled to pension payments directly from the Defense Finance and Accounting Service (DFAS). The spouse's attorney must ensure that specific language is included in the divorce paperwork.

The rule addresses only the source of payment to the spouse, which is a direct payment. The spouse gets pension-related payments directly from DFAS, which handles payments for the Defense Department. As a result, the ex-spouse is freed from the need to rely on and wait for payments from the retired service member.

The 10/10 rule generally causes confusion when retired military personnel claim that the former spouse is only eligible for military pension benefits if the pair were married for at least 10 years while they were together serving in the military. The 10/10 rule is only used to determine whether the former spouse will receive payments directly from DFAS instead of the service member or veteran. The 10/10 rule is not used to determine whether a former spouse is entitled to a portion of the pension.

The Uniformed Services Former Spouses' Protection Act

The USFSPA is a statute passed by Congress in 1982 to provide financial protection to some ex-spouses of service members. It permits states to divide military disposable retiree pay as marital property in the event of a divorce. Disposable retirement pay is defined as the total monthly retirement pay, minus:

  • Deductions for retirement pay forfeitures following a court-martial;
  • Deductions from a military member's waiver of retirement pay as a requirement for veteran benefits;
  • Amounts equivalent to retirement compensation under U.S. Code Title 10, Chapter 61 Script; and
  • Elective deductions in accordance with U.S. Code Title 10, Chapter 73 Code used for annuities paid to a spouse or ex-spouse in accordance with Title 10, Section 1408 of the U.S. Code.

Further, a former spouse can take out child support or alimony from the military spouse's retired pay; however, it still requires a court order and must pass the 10/10 rule should the award be sent as a direct payment. According to the USFSPA, no more than 65% of a retired military member's pension can be deducted for spousal and child support obligations.

Survivor Benefits Plan Elections

The SBP is an annuity that a retiring service member can elect to ensure that their beneficiary receives a portion of the retired pay after they die. SBP is a specific benefit that the retiree must elect, generally at the time of retirement from active duty or immediately upon receiving their 20-year letter as a reservist, for a spouse, child or anyone with an insurable interest in the retiree.

Even if some service members decide not to sign up for the SBP plan because they have no qualified beneficiaries, they might later get married or have a kid who qualifies for benefits and want to change their election status. Because the reasons for changing one's coverage are few and far between, the SBP election made by service members at the time of retirement is difficult to change. In such a case, a service member would have one year from the date of initial eligibility (marital change, childbirth, etc.) to announce their desire to have their beneficiary covered.

In the case of marriages, there are many different nuances to be aware of, and depending on whether it is a remarriage or not, the election process and coverage amount may be subject to change. To learn more about SBP benefits, check out our article "What You Need to Know About Your SBP Benefits" for more information on your rights and coverage.

Understanding Your Benefits in a Military Divorce

Divorces involving military personnel may be highly complex. It's crucial to know your rights when it comes to your benefits and to seek experienced legal counsel should you have any remaining questions. Even if the marriage lasted fewer than 20 years, the court may nonetheless award a portion of the military member's retirement to the civilian spouse. Every circumstance is unique. In some circumstances, the parties will divide the pension, while in others, one party will cede their pension rights in exchange for other assets after the divorce.

A former first sergeant in the United States Army Reserve and a combat veteran, Anthony Kuhn focuses on the representation of military personnel, federal employees and federal agents at Tully Rinckey, where he is a managing partner.

Know All Your Legal Rights and Benefits

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Sun, 18 Sep 2022 20:40:00 -0500 en text/html https://www.military.com/benefits/military-legal-matters/how-divorce-impacts-your-military-benefits.html
Killexams : THC-B Benefits: What You Need To Know

Everybody’s trying to find THC-B online, and we don’t blame them; THC-B benefits are amazing! From reports of THC-B benefits being anxiety reducing to relaxing, relieving and even joyous, we’re clamoring to get our hands on the best online THC-B ourselves. So where can we find it? At binoid.com

Binoid is our go-to online source for all cannabinoids, including  delta 8 THC, delta 10 THC, THC-O, THC-P, and HHC-P products on top of the latest and greatest THC-B products as well. Binoid sells their own branded THC-B vape cartridges in multiple flavors: Cloud Nine (Hybrid), Mountain Temple (Sativa), Juicy Fruit (Hybrid) and Caribbean Breeze (Indica). You can purchase the cape cartridges as singles of the above, or bundle your favorite flavors in either a 4-pack vape cartridge bundle or an 8-pack vape cartridge bundle. From informative articles, reliable customer reviews and the latest THC-B products, Binoid is a leading expert in the industry for cutting edge cannabinoids. 

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Why is Binoid the best place to buy THC-B online? One important aspect for us has always been Verified user reviews. A brand can make claims, but it takes real customer feedback to back up a brand being the best. Binoid has thousands of real reviews from people just like you and I; people using cannabinoids for recreation and medication. Seeing a full menu of five star THC-B products with more than enough app customers reporting back on the effects lets us know that we chose the right place to buy THC-B online when we navigated to Binoid.

With THC-B benefits that help you focus and potentially Excellerate your whole-body wellness, we won’t be surprised to see this cannabinoid take over as a top-seller in the months to come. If you’re ready to try it for yourself, you can check out Binoid’s THC-B products here. If you want to learn more about this incredible cannabinoid, from THC-B benefits to where THC-B is legal, keep memorizing for Binoid’s expert answers to all your recently asked THC-B questions. 

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What Is THC-B? 

To get to the bottom of why THC-B benefits are so amazing, you first must understand what THC-B is. Tetrahydrocannabutol (THC-B) is one of 120 cannabinoids that naturally occurs in the hemp plant. An extremely trace cannabinoid, THC-B was discovered for the first time in late 2019. In fact, it was discovered along with tetrahydrocannabiphorol (THC-P) by a team of Italian researchers analyzing the chemical composition of the hemp plant through liquid chromatography. More on that in a little bit.

Because THC-B was only discovered a couple of years ago, it’s not surprising that there’s still a lot we have yet to learn about it. Remember, many other cannabinoids, including CBD, delta 8 THC, and delta 9 THC were discovered in the 1960s, giving us decades worth of research and clinical data to understand the exact nature of their effects on the human system.

Researching and testing cannabinoids takes time, and so our knowledge of THC-B remains somewhat limited at the moment. But, the researchers who discovered the cannabinoid did get a chance to analyze it enough to deliver us a good idea of its potential.

What Creates THC-B Benefits?

How are THC-B benefits created? You see, Tetrahydrocannabutol (THC-B) is a homologue of delta 9 THC, and in terms of chemical structure, the difference between the two is that while Delta-9 THC has a pentyl side chain, THC-B has a butyl side chain. It has been determined that THC-B has an affinity for both CB1 receptors (cannabinoid receptors in the nervous system) and CB2 receptors (cannabinoid receptors mainly in the immune and digestive systems), much like Delta-9. Plainly speaking, this means that THC-B works with a wide variety of processes throughout the body to offer regulatory effects via the function of the endocannabinoid system (ECS).

Also has been determined how THC-B works on CB1 receptors on a stronger level than delta 9 THC. Keep in mind, too, it’s the CB1 receptors in the brain that trigger the psychoactive effect for which we experience from those THC-based cannabinoids in general.

Note: It is unclear which cultivars (strains) could contain higher levels of THC-B than others, since little research has been conducted into this new cannabinoid.

THC-B Benefits: A List

One of our most asked questions is to provide a list of THC-B benefits. Great question! The reported benefits of THC-B include:

  • Strong mental and body experience
  • Chilled
  • Relaxed
  • Anxiolytic properties
  • Relief
  • Happiness

As we still have a lot to learn about Tetrahydrocannabutol, what we do know is that its psychoactive properties are already making it extremely popular. The high is often compared to THC-P, and in fact, the two cannabinoids seem to be popular to take together, as there may be a synergistic effect that really gives you a phenomenal experience within the body and mind in terms of mood, relaxation and so on.

The key thing to know about tetrahydrocannabutol’s high is that it is all about euphoria. People describe a stronger feeling of euphoria than they’ve ever experienced with any other cannabinoid. Also is potentially very-long lasting, as we are aware that many other cannabinoid-based products provide only a short phase of euphoria that doesn’t last for the duration of the high.

Also, alongside the euphoria effect, users report a uniquely powerful body high that can be intensely relaxing and great for easing physical tension.

THC-B Benefits: What You Should Know

Overall, there seems to be more research on tetrahydrocannabiphorol over tetrahydrocannabutol. Still, that doesn’t mean much when there isn’t much available at all. The data was published online in a scientific journal called Nature. It breaks down the direct process those researchers utilized to recognizing both THC-P and THC-B.

Researchers further document that it’s possibly THC-P, with several THC-B aspects, that might be bringing about the psychoactive effects in cannabis users over delta 9 THC. Of course, this is what scientists have been saying for years now. While challenged by other scientists, additional research must take place before clear acknowledgements are made. With cannabis still considered a Schedule I drug by the DEA, cannabis and hemp research is left to scientists outside of the United States to make breakthroughs.

THC-B Benefits: The High

Wondering THC-B benefits and if they including getting “high?” The answer is yes, THC-B can get you high. THC-B a psychoactive cannabinoid, and as we’ve already shared, it seems to have a stronger affinity for CB1 receptors than delta 9 THC, which directly influences the potency of its high.

Basically, this information implies that tetrahydrocannabutol’s (THC-B) high is more powerful than delta 9’s. Just how much more powerful has yet to be determined. Its psychoactive effects haven’t yet been observed by researchers, so we can’t offer a specific comparison, like we can with tetrahydrocannabiphorol which’s known to be about 10x as intoxicating as delta 9 THC. THC-B is unlikely to be more intoxicating than THC-P, the cannabinoid considered to be the most psychoactive in all of cannabis. We also don’t yet know the specifics of the high in terms of its dominant effects – for instance, whether it creates a feeling of euphoria, whether it’s associated with couch lock, etc. 

THC-B Benefits Explained

Let’s break down THC-B benefits a little bit more. With tetrahydrocannabutol (THC-B) being such a new discovery, we don’t have access to ample studies that confirm specific properties and effects that this cannabinoid type is capable of – yet. But, the researchers who isolated THC-B did test out the compound in animal trials to get a basic understanding of what viable benefits it has. They displayed how it created some of the identical effects in mice as it did in humans.

These primary effects include:

  • Analgesic Properties: The researchers observed analgesic effects when testing out THC-B. Analgesics are agents that reduce pain levels by affecting the way in which the brain receives signals from pain receptors that belong to the nervous system. THC-B products wouldn’t be the only cannabinoid to have analgesic effects, as several other cannabinoids, like CBD and delta 8 THC also have this property.
  • Anti-Inflammatory Properties: Many cannabinoids offer anti-inflammatory effects, and THC-B appears to be no different. The observed anti-inflammatory properties associated with THC-B likely have to do with the cannabinoid’s interaction with CB2 receptors that, among other things, can regulate the immune system’s inflammation response.
  • Sleep Effects: THC-B was shown to have positive effects on sleep. Specifically, the researchers observed that THC-B allowed for deeper sleep, and a shorter sleep onset time, both of which can be enormously useful to those who struggle with sleep each night.

Note: If you’re currently taking any medications, you should talk to your doctor first (and regardless, you should if you’re new to this cannabinoid) about trying THC-B, as it could suppress the CYP3A4 enzyme that’s responsible for metabolizing half the popular meds we take.

Is THC-B Legal? 

So the THC-B benefits are great, but are they legal? When researching what is THC-B one of the most important pieces of information you need to find is if THC-B is legal in your state. And, as of now, there’s no reason why it wouldn’t be, at least on a federal level, as we all know that state laws can change rapidly and sometimes without a seemingly good reason. THC-B is not a specific type of cannabinoid, but rather the result of a chemical process applied to existing cannabinoids that are already protected under federal law.

Also, THC-B can be applied to non-psychoactive cannabinoids as much as intoxicating ones, so THC-B is not inherently associated with causing a high, which is what makes many cannabinoids legally controversial. At this point, THCB and THC-B products are considered legal and may possibly be shipped to most states. 

Does THC-B Show Up On A Drug Test? 

As a rule of thumb, any time you encounter a cannabinoid with “THC” in the name, you should assume that it puts you at risk of failing a drug test. Why? Because all THC-based cannabinoids are metabolized by an enzyme called THC-COOH, which is what standard drug tests are seeking to identify in a person’s urine.

Because THC-B is particularly potent, there’s good reason to believe that it’s actually more likely to fail a drug test after taking this cannabinoid than it is after taking delta 9 THC.

Does THC-B Have Side Effects? 

With THC-B benefits come THC-B side effects. Taking too much THC-B, like any psychoactive compound can cause intense side effects. Again, because the compound is strong we suggest smaller dosages first then taking higher doses after time once you get comfortable with the compound and effects.

What is THC-B and does it have side effects? You should always research side effects before trying anything! Reported side effects include:

  • Strong mental and physical experience
  • Dry Mouth
  • Headache
  • May last for 1-2 hours
  • Powerful body experience

What Types Of THC-B Products Are There?

THC-B is just starting to make its way onto the market, and as you probably guessed, Binoid is leading the way with all the incredible THC-B benefits being reported by customers. THC-B can be converted into a distillate just like any other cannabinoid you’ve explored in the past, which means that it can be used to produce the same product types that you’re already familiar with. But, here are the products that you can expect to see appear first.

THC-B Vape Carts: THC-B vapes will probably be the most popular way to enjoy the cannabinoid, as we’ve seen with every other psychoactive hemp derivative. You’ll find THC-B cartridges, and disposable vapes will also likely emerge. These products will come in a variety of strains to choose from.

THC-B Gummies: Cannabinoid gummies are also extremely popular, so keep an eye out for THC-B gummies that offer several hours of intoxicating effects and delicious gummy flavor.

THC-B Tinctures: THCB tinctures mix MCT oil with 1000mg of THC-B and Delta 8 to make a strong and powerful experience in an edible form.

THC-B Bundles: You can get these amazing THCB products in bundles for an amazing price.

Where To Buy THC-B Products Online

As of now, the only real THCB products on the market are Binoid’s new THCB vapes. They use premium 94% THC-B and THC-O distillate, and are produced with hydrogenated cannabinoids. Other brands do not seem to have the same quality or effects currently. Therefore, we definitely suggest buying THC-B online from Binoid, as they are a trusted brand with over 25000 reviews on their website. They are the best and most potent THCB cartridges on the market.

However, given the buzz around THCB, we anticipate that this will become a trend throughout the hemp industry in the future. This hydrogenation process can be applied to any existing cannabinoid-based product on the hemp market. Everything from CBD topicals to delta 8 vape cartridges and delta 8 gummies can be made with hydrogenated versions of their active compounds to simply work more effectively through enhanced bioavailability. It could even become a new standard for processing hemp formulas.

Try THC-B Benefits For Yourself! 

It looks as though THC-B is about to become the new cannabinoid to experience, and you’ll be able to grab it right here at Binoid.

At Binoid, you can trust that their THC-B products contain only third-party-tested hemp derivatives and clean ingredients, to offer their customers the highest levels of quality and effectiveness possible.  Keep your eyes peeled as THC-B products make their way onto Binoid’s website, as we’re sure you’re going to want to deliver this exciting discovery a try.

TO BUY THC-B PRODUCTS CLICK HERE

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Tue, 20 Sep 2022 06:24:00 -0500 Branded Partner Content text/html https://www.laweekly.com/thcb-benefits/ Killexams : Better Buy: IBM Stock vs. 2-Year Treasury Notes

Investors this year increasingly turned away from dividend stocks in favor of the rising yields being offered on bonds. Given that investors can now earn a 4.3% return on a 2-year Treasury note, many prefer that guaranteed return to the risks of putting money into the stock market.

International Business Machines (IBM 1.23%) offers a dividend yield that exceeds that bond return. But with a bear market in progress, are investors better served to take a chance on the cloud stock or to take the 4.3% return at virtually zero risk?

IBM and its dividend

IBM didn't participate in the bull market of the 2010s. The stock dropped as its tech businesses suffered a considerable growth slowdown. In an effort to change that, IBM pivoted into the cloud computing sector aggressively, in part via its $34 billion purchase of Red Hat in 2019. Grand View Research forecasts a compound annual growth rate of 16% through 2030 for the cloud industry. Growth like that could certainly help both IBM and its stock.

Also, IBM spun off its managed infrastructure business into a new public company, Kyndryl. This business was less of a fit with the parent company amid its pivot to the cloud. Separating it off should make it easier for IBM to grow its revenue.

Time will tell if these moves can help the stock price recover. Nonetheless, IBM currently pays its shareholders $1.65 per share every quarter, or $6.60 per share annually. At the current stock price, that adds up to a yield of 5.6% per year. Moreover, depending on your financial situation, the IRS may tax your dividends at a lower capital gains rate, which can offer an added advantage.

Additionally, IBM hiked its payout annually for 27 consecutive years, making it a Dividend Aristocrat. That status carries some importance as many income investors will be more inclined to buy and hold IBM stock because of this status. Also, since abandoning Dividend Aristocrat status tends to hurt a stock, management will probably prioritize maintaining it by continuing to raise those payouts.

Investors also can also reinvest their dividend payments into more IBM stock. However, such newly purchased shares will pay you the dividend yield at that time. The return will rise if the stock falls since investors can buy the exact cash return at a lower price. Conversely, cash yields will drop if the stock rises, but those investors still benefit since the stock has increased in value.

What to know about 2-year Treasury notes

U.S. Treasury notes offer more stability than stocks such as IBM. Investors who purchase the 2-year Treasury note receive semiannual interest payments. At the current interest rate of 4.3%, investors will receive a 2.15% cash return on their invested amount in each of the subsequent three six-month periods. In the fourth period, when the note matures, investors receive the final 2.15% payment along with the return of their principal.

Investors should also be aware that bond values can fluctuate. If interest rates drop, the value of the bond will fall; the opposite will happen if rates rise. This affects investors if they decide to sell the bond early. Upon maturity, the note will return to its par (or nominal) value.

Additionally, bond interest payments are subject to federal income tax but exempt from state and local taxes. In some cases, this is higher than taxes on dividends. Still, bond issuers are obligated to make such payments. In contrast, IBM faces no legal obligation to continue its dividend.

Also, like with a stock, investors can reinvest their interest payments into more notes or other forms of Treasury bonds. However, those purchases will be subject to the prevailing interest rates at that time.

IBM or the 2-year Treasury note?

Investors who lack much risk tolerance should choose the Treasury note. Given its guaranteed return, they will not have to worry about volatility.

Nonetheless, for investors comfortable with buying stocks, IBM is a surprisingly strong buy. The cloud industry is in growth mode, which should propel IBM stock to a long-awaited turnaround. Moreover, IBM has repeatedly shown it wants to hold on to its Dividend Aristocrat status. This should deliver its income investors returns that are not only larger than the bonds offer, but also likely to increase in size.

Will Healy has no position in any of the stocks mentioned. The Motley Fool has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy.

Fri, 14 Oct 2022 00:20:00 -0500 Will Healy en text/html https://www.fool.com/investing/2022/10/14/better-buy-ibm-stock-vs-2-year-treasury-note/
Killexams : Health Benefits of Bike Commuting

You might dabble in biking for fun or exercise on weekends or holidays. But have you considered biking to work or school?

Studies show that if you swap your gas-guzzling car with a two-wheel bike, you might break a sweat during your commute. This will not only help you skip traffic, but you also gain physical and mental health benefits. It’s good for your pocket and the environment, too.

If you’re new to the concept of biking to commute but you’re ready to take a spin, here’s a quick rundown on how to get started, health benefits, and safety tips to get you going.

Health Benefits of Bike Commuting

Riding a bike to work or school is a great way to boost your overall health. In fact, researchshows that those who bike to work tend to stay slimmer and fitter than those who drive. That’s because they’re able to bump up their regular physical activity.

The benefits include:

It helps you maintain a healthy weight. Pedaling a bike requires you to use up stored energy. This burns calories. You’re able to do this even if you pedal on a flat surface at a slow, easy pace. For example, a 180-pound person who bikes 10-12 miles per hour for 30 minutes burns up to 240 calories.

The more active you are, you’re less likely you are to get chronic conditions like type 2 diabetes. It also lowers your risk for certain cancers like breast or colorectal cancer.

It’s good for your heart and lungs. Biking regularly has been found tostrengthen your heart muscles, Excellerate blood circulation in your heart and lungs, lower your resting pulse rate, and cut down on blood fat levels. This reduces your overall risk for cardiovascular diseases.

Moreover, if you bike to work, your exposure to air pollution is two to three times lower than folks who drive to commute. It improves your lung health in the long run.

Biking builds muscle. The repetitive motion of cycling is a form of aerobic exercise. That’s because you need to put in some force and effort to push the peddle to move your body weight forward.

You’ll need to do this all while sitting up straight and maintaining balance. This engages several muscles in your body in your lower, upper body, and core. This helps to lean you out and makes your muscles stronger over time.

Biking improves balance and proprioception. When you bike, you need to sit upright and engage your core to keep yourself from falling sideways. This helps to Excellerate your ability to maintain balance.

Additionally, cycling helps Excellerate your ability to understand where your body is in relation to space, action around you, location, and movement. This is known as proprioception.

As you age, both balance and proprioception can decline. But biking helps you stay active and lowers your risk for fall injury as you age.

It can boost mental health and relieve stress. Biking releases feel-good chemicals in your brain called endorphins. This can make you feel better, especially if you’re under stress. Regular physical activity from biking also positively boosts your overall mental health.

Cycling can:

  • Improve your mood
  • Pump up your self-esteem
  • Lower depression and anxiety
  • Help you sleep better
  • Improve cognitive brain function
  • Improve your memory skills
  • Promote new thought patterns that can Excellerate calmness and well-being

Financial Benefits

On average, Americansspend over $2,500 per year to get to and from work in a car. And according to AAA, Americans spend close to $10,000 per year to maintain a car.

Biking to work may require some upfront costs, especially if you need to buy a bike and basic accessories. But compared to driving a car to commute, the cost of owning a bike costs about $350. So biking to work can save you money.

It can cut down on expenses for gas, car payments, monthly car insurance, parking, and any car repairs or maintenance costs.

Some companies also offer commuter tax breaks if you choose to bike to work. But your employer will need to participate in a commuter benefit program. Check with your company if you qualify for such benefits.

Environmental Benefits

Biking to work is also good for the environment. When you bike to work, it can help:

  • Cut down on harmful chemicals and pollutants like antifreeze and motor oil.
  • Lower gas consumption. This then cuts down on harmful emissions like CO2 that pollute the air and contribute to climate change.
  • Reduce noise pollution from honking.

Fewer cars on the roads also means there’s less need to build more roads to accommodate them. This cuts down on runoff water that usually pollutes ground water.

How to Get Started?

First, if you don’t already have one, you’ll need to make an initial investment to get a bike with all the standard accessories like:

  • Helmet
  • Good brakes
  • Gears
  • Bike lock
  • Basket to carry your things if you need to
  • Headlight, especially if you’re planning to ride when it’s dark
  • Flat tire kit

To prepare your ride to work, you should:

Find the right bike. Bikes are available in several types and builds. For example, a road bike is a better fit to ride on smooth pavements. Whereas a hybrid bike is good if you plan to use it for work and switch to off-road for fun. If you’re unsure, ask an expert at a bicycle store for recommendations that fit your commuting needs.

Map your bike route. Not all roads have bike lanes. Try to choose a route where you do have a bike lane option. If not, opt for wider roads. Try not to bike on sidewalks or narrow roads. Avoid busy streets and large intersections. This way, you’re less likely to hit pedestrians or get hit by car drivers.

Test it out before start biking to work. This way you have a clear idea of the roads and what to expect. Don’t rush. It’s best to take your time and get to your destination safely.

Hand Signals for Bike Commuting

You’ll need to use you left hand to signal your turning direction and to stop.

Left turn. Stick your left arm out to signal that you’re about to turn left.

Right turn. Stick you left arm out and bend it upwards to signal a right turn. You can also stick out your right hand.

Stop. Stick your left arm out and bend it down at your elbow to signal that you’re coming to a halt.

If you’re about to pass bikers or people on the sidewalk or streets, yell “on your left” clearly and ahead of time so they can move out of the way for you.

Safety Tips When You Bike to Work

If you’re planning to bike to commute, here are a few safety tips you should keep in mind:

  • Wear a helmet at all times to protect your head and neck during a collision or an injury. Also, make sure it fits right.
  • Make sure your bike is in good working condition. For example, do your breaks work for both tires? Does your bell or light work? Do your tires have enough air? Make sure everything is screwed on tight and doesn’t wobble. If you’re concerned, have it checked out at a bike shop.
  • Pick a wide bike lane or not-so-busy street or route to work.
  • Find the right saddle and handlebar height for you. This will make the ride comfortable.
  • Check both sides of the road before you cross.
  • Don’t bike next to parked cars in case someone suddenly opens the door.
  • Wear reflective stickers on your helmet or put them on your bike. You can also wear a reflective vest to alert drivers when you ride in the dark.
  • Check and oil the chain regularly.
  • Always ride in the same direction as the traffic. Don’t ride against traffic.

If you’re just starting out or if you’re getting back on the bike after a long time, make sure to take it slow and don’t rush. Enjoy the scenery as you bike to work, follow road rules, and stay safe.

Thu, 06 Oct 2022 10:13:00 -0500 en text/html https://www.webmd.com/fitness-exercise/bike-commuting-health-benefits
Killexams : See Which Of The Latest 13F Filers Holds IBM No result found, try new keyword!In terms of shares owned, we count 6 of the above funds having increased existing IBM positions from 06/30/2022 to 09/30/2022, with 2 having decreased their positions. Looking beyond these ... Thu, 13 Oct 2022 02:26:00 -0500 text/html https://www.nasdaq.com/articles/see-which-of-the-latest-13f-filers-holds-ibm-1 Killexams : Biden visiting New York with IBM poised to announce $20B program; what to know

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Thu, 06 Oct 2022 06:32:00 -0500 en-US text/html https://www.usatoday.com/story/news/politics/2022/10/06/biden-poughkeepsie-ibm/8194658001/
Killexams : IBM veteran joins Red Hat C-suite in major executive shakeup No result found, try new keyword!IBM subsidiary Red Hat is making key changes to its executive leadership – shifting current CFO Carolyn Nash into the Chief Operating Officer role as it gives its finance and operations ... Wed, 12 Oct 2022 02:51:00 -0500 text/html https://www.bizjournals.com/triangle/news/2022/10/12/red-hat-ibm-executive-leadership-changes.html Killexams : IBM set to buy Dialexa, adding to list of more than 25 acquisitions since April 2020

RESEARCH TRIANGLE PARK – In a move to enhance its hybrid cloud and AI capabilities, IBM will buy the digital product engineering consulting services firm Dialexa in a deal that will close later this year.

IBM announced the deal in a statement, which also notes that the purchase of the firm will “deepen IBM’s product engineering expertise and provide end-to-end digital transformation services for clients.”

When the deal closes, Dialexa will become the sixth company bought by IBM in 2022.

But Big Blue has been on a buying frenzy since April 2020, when Arvind Krishna became the company’s CEO.  According to the company, IBM has acquired more than 25 other firms, with 13 to bolster IBM Consulting.

The latest acquisition of Dialexa points toward how IBM may grow its consulting services presence.

“In this digital era, clients are looking for the right mix of high-quality products to build new revenue streams and Excellerate topline growth,” said John Granger, senior vice president, IBM Consulting, in a statement. “Dialexa’s product engineering expertise, combined with IBM’s hybrid cloud and business transformation offerings, will help our clients turn concepts into differentiated product portfolios that accelerate growth.”

The company’s 300 employees are based in Dallas and in Chicago, and will join IBM Consulting, according to the statement.  Among the firm’s clients is Toyota Motor North America, which will invest $2.5 billion in North Carolina to build the company’s first U.S. electric battery manufacturing plant in Randolph County.

Thu, 22 Sep 2022 12:00:00 -0500 en-US text/html https://wraltechwire.com/2022/09/23/ibm-set-to-buy-dialexa-adding-to-list-of-more-than-25-acquisitions-since-april-2020/
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