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Killexams : IBM Administration Free PDF - BingNews Search results Killexams : IBM Administration Free PDF - BingNews Killexams : AI Regulation: Where do China, the EU, and the U.S. Stand Today?

Wednesday, August 3, 2022

Artificial Intelligence (AI) systems are poised to drastically alter the way businesses and governments operate on a global scale, with significant changes already under way. This technology has manifested itself in multiple forms including natural language processing, machine learning, and autonomous systems, but with the proper inputs can be leveraged to make predictions, recommendations, and even decisions.

Accordingly,enterprises are increasingly embracing this dynamic technology. A 2022 global study by IBM found that 77% of companies are either currently using AI or exploring AI for future use, creating value by increasing productivity through automation, improved decision-making, and enhanced customer experience. Further, according to a 2021 PwC study the COVID-19 pandemic increased the pace of AI adoption for 52% of companies as they sought to mitigate the crises’ impact on workforce planning, supply chain resilience, and demand projection.  

Challenges of Global Regulation

For these many businesses investing significant resources into AI, it is critical to understand the current and proposed legal frameworks regulating this novel technology. Specifically for businesses operating globally, the task of ensuring that their AI technology complies with applicable regulations will be complicated by the differing standards that are emerging from China, the European Union (EU), and the U.S.


China has taken the lead in moving AI regulations past the proposal stage. In March 2022, China passed a regulation governing companies’ use of algorithms in online recommendation systems, requiring that such services are moral, ethical, accountable, transparent, and “disseminate positive energy.” The regulation mandates companies notify users when an AI algorithm is playing a role in determining which information to display to them and provide users the option to opt out of being targeted. Additionally, the regulation prohibits algorithms that use personal data to offer different prices to consumers. We expect these themes to manifest themselves in AI regulations throughout the world as they develop.

European Union

Meanwhile in the EU, the European Commission has published an overarching regulatory framework proposal titled the Artificial Intelligence Act which would have a much broader scope than China’s enacted regulation. The proposal focuses on the risks created by AI, with applications sorted into categories of minimal risk, limited risk, high risk, or unacceptable risk. Depending on an application’s designated risk level, there will be corresponding government action or obligations. So far, the proposed obligations focus on enhancing the security, transparency, and accountability of AI applications through human oversight and ongoing monitoring. Specifically, companies will be required to register stand-alone high-risk AI systems, such as remote biometric identification systems, in an EU database. If the proposed regulation is passed, the earliest date for compliance would be the second half of 2024 with potential fines for noncompliance ranging from 2-6% of a company’s annual revenue.

Additionally, the previously enacted EU General Data Protection Regulation (GDPR) already carries implications for AI technology. Article 22 prohibits decisions based on solely automated processes that produce legal consequences or similar effects for individuals unless the program gains the user’s explicit consent or meets other requirements. 

United States

In the United States there has been a fragmented approach to AI regulation thus far, with states enacting their own patchwork AI laws. Many of the enacted regulations focus on establishing various commissions to determine how state agencies can utilize AI technology and to study AI’s potential impacts on the workforce and consumers. Common pending state initiatives go a step further and would regulate AI systems’ accountability and transparency when they process and make decisions based on consumer data. 

On a national level, the U.S. Congress enacted the National AI Initiative Act in January 2021, creating the National AI Initiative that provides “an overarching framework to strengthen and coordinate AI research, development, demonstration, and education activities across all U.S. Departments and Agencies . . . .” The Act created new offices and task forces aimed at implementing a national AI strategy, implicating a multitude of U.S. administrative agencies including the Federal Trade Commission (FTC), Department of Defense, Department of Agriculture, Department of Education, and the Department of Health and Human Services.

Pending national legislation includes the Algorithmic Accountability Act of 2022, which was introduced in both houses of Congress in February 2022. In response to reports that AI systems can lead to biased and discriminatory outcomes, the proposed Act would direct the FTC to create regulations that mandate “covered entities”, including businesses meeting certain criteria, to perform impact assessments when using automated decision-making processes. This would specifically include those derived from AI or machine learning. 

The Federal Trade Commission is Proactive

While the FTC has not promulgated AI-specific regulations, this technology is on the agency’s radar. In April 2021 the FTC issued a memo which apprised companies that using AI that produces discriminatory outcomes equates to a violation of Section 5 of the FTC Act, which prohibits unfair or deceptive practices. And the FTC may soon take this warning a step farther—in June 2022 the agency indicated that it will submit an Advanced Notice of Preliminary Rulemaking to “ensure that algorithmic decision-making does not result in harmful discrimination” with the public comment period ending in August 2022. The FTC also recently issued a report to Congress discussing how AI may be used to combat online harms, ranging from scams, deep fakes, and opioid sales, but advised against over-reliance on these tools, citing the technology’s susceptibility to producing inaccurate, biased, and discriminatory outcomes.

Potential Liability for Businesses in the U.S.

Companies should carefully discern whether other non-AI specific regulations could subject them to potential liability for their use of AI technology. For example, the U.S. Equal Employment Opportunity Commission (EEOC) put forth guidance in May 2022 warning companies that their use of algorithmic decision-making tools to assess job applicants and employees could violate the Americans with Disabilities Act by, in part, intentionally or unintentionally screening out individuals with disabilities. Further analysis of the EEOC’s guidance can be found here.    

Broader Impact on U.S. Businesses

Many other U.S. agencies and offices are beginning to delve into the fray of AI. In November 2021, the White House Office of Science and Technology Policy solicited engagement from stakeholders across industries in an effort to develop a “Bill of Rights for an Automated Society.” Such a Bill of Rights could cover subjects like AI’s role in the criminal justice system, equal opportunities, consumer rights, and the healthcare system. Additionally, the National Institute of Standards and Technology (NIST), which falls under the U.S. Department of Commerce, is engaging with stakeholders to develop “a voluntary risk management framework for trustworthy AI systems.” The output of this project may be analogous to the EU’s proposed regulatory framework, but in a voluntary format.

What’s Next?

The overall theme of enacted and pending AI regulations globally is maintaining the accountability, transparency, and fairness of AI. For companies leveraging AI technology, ensuring that their systems remain compliant with the various regulations intended to achieve these goals could be difficult and costly. Two aspects of AI’s decision-making process make oversight particularly demanding:

  • Opaqueness where users can control data inputs and view outputs, but are often unable to explain how and with which data points the system made a decision.

  • Frequent adaptation where processes evolve over time as the system learns.

Therefore, it is important for regulators to avoid overburdening businesses to ensure that stakeholders may still leverage AI technologies’ great benefits in a cost-effective manner. The U.S. has the opportunity to observe the outcomes of the current regulatory action from China and the EU to determine whether their approaches strike a favorable balance. However, the U.S. should potentially accelerate its promulgation of similar laws so that it can play a role in setting the global tone for AI regulatory standards.  


Thank you to co-author Lara Coole, a summer associate in Foley & Lardner’s Jacksonville office, for her contributions to this post.

Wed, 03 Aug 2022 08:48:00 -0500 en text/html
Killexams : Team Collaboration Software Market | How The Industry Will Witness Exponential Growth Challenges With Forecast

(MENAFN- EIN Presswire)

Rise in number of collaborative workspaces is a major factor that drive the growth of the team collaboration software market.

PORTLAND , PORTLAND, OR, UNITED STATE, July 18, 2022 / / -- Rise in adoption of cloud-based software as service (SaaS), major shift toward virtual businesses due to covid-19 pandemic, and increase in popularity of team collaboration software to reduce administration and maintenance drive the growth of the global team collaboration software market .

However, lack of IT infrastructure in developing regions restrains the growth. Moreover, integration of advanced technologies in team collaboration software is anticipated to present lucrative opportunities in the near future.

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According to the report published by Allied Market Research, the global team collaboration software industry was pegged at $9.87 billion in 2019, and is expected to reach $26.49 billion by 2027, at a CAGR of 13.2% from 2020 to 2027. The report provides an in-depth analysis of changing market dynamics, key investment pockets, top segments, value chain, and competitive landscape.

Covid-19 scenario-

•The outbreak of covid-19 has positively impacted the team collaboration software market, owing to surge in adoption of work from home policies.

•Furthermore, due to lockdown imposed by the government bodies, the industry has witnessed an increase in demand for collaborative platforms.

Based on deployment mode, the cloud segment accounted for nearly three-fifths of the global team collaboration software market revenue in 2019 and is expected to rule the roost by the end of 2027. In addition, the same segment is anticipated to register the fastest CAGR of 14.3% throughout the forecast period.

Rise in prevalence of cerebral stenosis and brain aneurysm fuels the segment growth. Increase in demand for cloud-based team collaboration software from large enterprises, due to high data volumes and number of teams, drives the growth of the segment.

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Based on software type, the communication and co-ordination segment contributed to more than half of the global team collaboration software market share in 2019 and is anticipated to lead the trail by 2027. This is due to sun demand for collaborative work product during Covid-19 pandemic.

At the same time, the conferencing segment would portray the fastest CAGR of 14.8rge i% till 2027. This is owing to increase in need for communications among large number of employees distributed across various business locations. In addition, it also assists to monitor performance, manage work responsibilities, and determine hiring requirements, which further fuels the growth of the segment.

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Based on geography, North America garnered the highest share in 2019, generating nearly two-fifths of the global team collaboration software market. The factor that North American players are introducing innovative collaboration software with additional in the existing software drives the market growth. Simultaneously, Asia-Pacific would manifest the fastest CAGR of 17.9% during the study period, owing to high number of players operating in the region.

The major market players profiled in the report include IBM Corporation, Microsoft Corporation, MindMeld Inc., Oracle Corporation, Slack Technologies, Inc., SMART Technologies ULC, AT&T Intellectual Property, Cisco System Inc., Citrix Systems Inc., and Google LLC.

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Sun, 17 Jul 2022 17:41:00 -0500 Date text/html
Killexams : IoT Analytics Market is expected to Grow USD 92.46 Billion by 2030 | Sap, Oracle, IBM

Market Overview

The IoT analytics market has been esteemed at USD 9.1 billion in 2018 and required to develop at a CAGR of 24.63% by 2030, to arrive at USD 92.46 Billion by 2030.

The market is being driven by the growing development of bury-related devices and the sharing of data across a variety of industries. The IoT Analytics market is rapidly expanding due to the growing need to have data from numerous endeavors cautiously accessible. Continuous observation and sharing of knowledge are critical and should be prioritized. It has become easier to share data as a result of exact mechanical advancements and improvements. IoT analytics are used in a variety of businesses. The IoT analytics sector is used by the medical services business to Excellerate the nature of therapy. It’s also used in web-based business, retail, and assembly to refresh existing patterns and customer behavior that can be used to develop new products and services.

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The flexibility of the IoT analytics market forecast merchants to set restrictions or provide more highlights for similar pricing is one silver lining to the COVID-19 emergency. Most IoT analytics market implementers are optimistic about the potential of IoT innovation expenditure plans during the COVID times. COVID-19 drove spending increases at the same time. In terms of IoT analytics market spending adjustments, half of the respondents said COVID-19 increased the demand for computerized activities, including IoT.

Market Segmentation

Based on the Type, the market has been segmented into Predictive Analytics, Descriptive Analytics, and Prescriptive Analytics.

Based on the Application, the market has been segmented into energy the executives, building mechanization, prescient, stock administration, deals and client the board and security, and resource the board, and crisis the executives. To identify, filter, investigate, address, and quickly recover from major events, the organizations use advanced logical devices.

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  1. 5G market
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Regional Classification

North America continues to hold the largest share of the market, with revenue expected to reach approximately USD 50,000 Million during the forecast period and is expected to grow at the fastest rate in the global IoT investigation market. In addition, Europe is expected to account for 10% of the entire industry, as well as other IoT analytics market demands, allowing it to rank second in the global IoT investigation market by the end of the forecast period. Despite this, the Middle East and Africa (MEA) region would have a relatively low CAGR throughout the forecast period. Medical services will continue to be the most important driving vertical for the global IoT examination market, as the impact of retail is required to see the fastest growth for IoT investigation. During the forecasted time frame, medical care alone will be required to account for more than 70% of the IoT analytics industry. Transportation and coordination are expected to have the second-highest CAGR in the industry. Similarly, the Energy and Utilities vertical in the IoT analysis would have a low CAGR over the forecasted time range.

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Industry News

The major key players in the market are Amazon Web Services, Inc., Google, Inc., Microsoft Corporation, SAP SE, Oracle Corporation, IBM Corporation, Dell Technologies, Inc., Cisco Systems, Inc., HP Enterprise Company, and PTC, Inc. The market is receiving a boost as executives place a greater emphasis on cost and time, reducing the demand for continuous information, growing severe competition, increasing the use of robotization in businesses, and the introduction of trendsetting technologies.

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Mon, 25 Jul 2022 20:33:00 -0500 Market Research Future en-US text/html
Killexams : Alarm Lock Systems DL-Windows Mechanical digital lock No result found, try new keyword!When installed on an IBM compatible desktop or notebook computer, DL-Windows can create a new lock program, edit existing lock program, send/receive a lock program to/from a lock, retrieve an Audit ... Wed, 03 Jan 2018 07:36:00 -0600 text/html Killexams : The Retiree's Dividend Portfolio - Jane's June Update: Record Dividends
Oil Refinery, Chemical & Petrochemical Plant



For those who are interested in John and Jane's full background, please click the following link here for the last time I published their full story. The details below are updated for 2022.

  • This is a real portfolio with genuine shares being traded.
  • I am not a financial advisor and merely provide guidance based on a relationship that goes back several years.
  • John retired in January 2018 and now only collects Social Security income as his regular source of income.
  • Jane officially retired at the beginning of 2021, and she is collecting Social Security as her only regular source of income.
  • John and Jane have decided to start taking draws from the Taxable Account and John's Traditional IRA to the tune of $1,000/month each. These draws are currently covered in full by the dividends generated in each account.
  • John and Jane have other investments outside of what I manage. These investments primarily consist of minimal-risk bonds and low-yield certificates.
  • John and Jane have no debt and no monthly payments other than basic recurring bills such as water, power, property taxes, etc.

I started helping John and Jane with their retirement accounts because I was infuriated by the fees their previous financial advisor was charging them. I do not charge John and Jane for anything that I do, and all I have asked of them is that they allow me to write about their portfolio anonymously in order to help spread knowledge and to make me a better investor in the process.

Generating a stable and growing dividend income is the primary focus of this portfolio, and capital appreciation is the least important characteristic. My primary goal was to provide John and Jane as much certainty in their retirement as I possibly can because this has been a constant point of stress over the last decade.

Dividend Decreases

No stocks in Jane's Traditional or Roth IRA paid a decreased dividend during the month of June.

Dividend And Distribution Increases

Three companies paid increased dividends/distributions or a special dividend during the month of June in the Traditional and Roth IRAs.

  • International Business Machines (IBM)
  • LyondellBasell (LYB)
  • Main Street Capital (MAIN).

International Business Machines

IBM continues to be the dividend stock that investors love to hate. For years the concern has been a slow but steady drop off in revenue which has resulted in pressure on corporate earnings and ultimately limited the ability to grow its dividend. The most exact increase is a perfect example of the problem that this has created with the average three-year dividend growth rate coming in at less than 2.5% while the 10-year average dividend growth rate comes in at 8.17%. This is a problem for a tech company like IBM which is why it currently yields a whopping 4.61% and explains why the share price has been stagnant for so long. The acquisition of Red Hat ("RHT") appears to have given IBM a new sense of relevance in the hybrid cloud platform. Another positive is that the company has been able to deleverage since the acquisition of RHT with debt levels closing in on the same level prior to the RHT acquisition.

We have sold shares of IBM at $140/share and higher over the last year but view stock as a buy under $130/share (I prefer under $125/share). With the current position carrying an average cost basis of $122/share, we do not plan on selling any shares in the near future.

Data by YCharts

The dividend was increased from $1.64/share per quarter to $1.65/share per quarter. This represents an increase of .6% and a new full-year payout of $6.60/share compared with the previous $6.56/share. This results in a current yield of 4.61%% based on the current share price of $139.18.


It’s not every day that a company raises its dividend and offers a massive special dividend payout at the same time. The awesome announcement was accompanied by the following statement:

"LyondellBasell established new records for cash generation in 2021 and we have a strong outlook for our company. Capital returns have always been an important component of LyondellBasell's value proposition for shareholders. 2022 will mark our 12th consecutive year of regular dividend growth. The combination of today's special and quarterly dividends returns $2.1 billion to shareholders. As the incoming CEO, I would like to make it very clear that I support the continuation of our balanced and disciplined capital allocation strategy with both dividends and share repurchases playing a central role."

We sold shares prior to the dividend announcement as the stock pushed its 52-week-high. The 25 shares we sold were at $108.35/share and were used to reduce the exposure the position had to high-cost shares that had been purchased at around $115/share. We have since added 20 shares back at a major discount and plan to add more. Analyst downgrades have been common in the news but I see a Strong Buy under $90/share and enjoy locking in the 5%+ yield in the meantime.

LyondellBasell - FastGraphs - July

LyondellBasell - FastGraphs - July (FastGraphs)

The dividend was increased from $1.13/share per quarter to $1.19/share per quarter. This represents an increase of 5.3% and a new full-year payout of $4.76/share compared with the previous $4.52/share. This results in a current yield of 5.29% based on the current share price of $85.93.

LYB paid a special dividend of $5.20/share which was paid on June 13th, 2022.

Main Street Capital

Q2-2022 earnings will be coming out in less than a month and I expect it will demonstrate many of the strengths that made Q1-2022 push record levels in multiple metrics. Q1-2022 recorded interest income of $59.4 million compared to $43.5 million in Q1-2021 and we expect this number to continue improving due to the fact that most of MAIN’s portfolio is variable rate and therefore increases its income when the Federal Reserve raises rates. Another important indicator is the net asset value per share of $25.89/share and is up from $25.59/share in the previous quarter. MAIN’s management is top-notch and has always been consistently shareholder friendly and focused on long-term results.

Although the NAV continues to climb, shares are not cheap by any means. The exact pullback into the $34/share range represented a buying opportunity and we nibbled a little too early when it dropped below $40/share. We a hesitant to add too much more exposure to MAIN so we will be looking for a price under $35/share. For those who prefer to follow the dividend yield metric I would say a yield close to 7% would be the best/most opportunistic entry point. Other than COVID, this does not happen often so buyers need to be prepared to act when the opportunity arises.

Data by YCharts

MAIN paid a special dividend of $.075/share which was paid on June 30th, 2022.

Retirement Account Positions

There are currently 39 different positions in Jane's Traditional IRA and 23 different positions in Jane's Roth IRA. While this may seem like a lot, it is important to remember that many of these stocks cross over in both accounts and are also held in the Taxable Portfolio.

Below is a list of the trades that took place in the Traditional IRA during the month of June.

Traditional IRA - June - Trades

Traditional IRA - June - Trades (Charles Schwab)

Below is a list of the trades that took place in the Roth IRA during the month of June.

Roth IRA - June - Trades

Roth IRA - June - Trades (Charles Schwab)

Agree Realty Preferred Series A

This awesome monthly dividend payer has a current share price that is too high for us to consider adding more. I really like Agree Realty's (ADC) portfolio but again its share price is too high to justify adding common shares at this point in time. Funny enough, the reason that I found out about the company’s preferred shares was due to comments that was left on a previous portfolio update for John’s retirement accounts. At a PAR price of $25, ADC.PRA trades at a yield of 4.25% which isn’t compelling in the current rate environment at the time of purchase shares, we were able to buy all portions of the position for less than $18/share or a yield close to 6%. Additionally, if the shares are held to term and they are called for the PAR price of $25 this will result in a gain of seven dollars/share or a total of $700 in capital gains. We plan to continue adding to this position as long as shares remain attractive.

Alexandria Realty

Alexandria Realty (ARE) is another new position in Jane’s Traditional IRA that was entered into at $136/share and is off its high of $225/share in January 2022. ARE’s 10-year average P/AFFO is approximately 25.5X and currently trades at a P/AFFO of 23.2X. The last time ARE treated at a discount to its average P/AFFO was during COVID and then for only a brief period of time at the end of 2018/early 2019. For those looking for a compelling article reviewing ARE’s situation I would recommend studying Dane Bowler’s article Alexandria Is Life Science Growth At An Office Discount.

Alexandria Real Estate - July

Alexandria Real Estate - July (FastGraphs)

Kyndryl Holdings

We originally held on to Kyndryl Holdings (KD) after it was spun off from IBM. Simply put, the stock has performed terribly and with a whopping total of 18 shares we felt it was time to say goodbye to this company. KD does not provide any dividends and with its speculative growth potential it doesn’t have a place in Jane’s portfolio over the long-term.

Data by YCharts

Lexington Preferred Series C

LXP.PC typically trades above its PAR value of $50/share. Whenever the stock drops to (or in some cases below) $50/share I try to purchase some because it is a solid income investment with a 6.5% yield. These shares are what we refer to as non-callable preferred shares which provide all the benefits of preferred stock with no set redemption date. The price of these shares have been steady even when LXP’s business model was in question (the company has made a significant transition over the last five years and now focuses on industrial real estate).

If anyone has questions about the other traits that took place in either of the Traditional IRA or Roth IRA feel free to ask in the comment section and I will be happy to discuss those trades.

June Income Tracker - 2021 Vs. 2022

Income for the month of June was up significantly year-over-year for Jane's Traditional IRA and up considerably for the Roth IRA. The average monthly income for the Traditional IRA in 2022 is expected to be up about 11.3% based on current estimates (this is up from 5.3% in May due to LYB's special dividend) and the Roth IRA is looking to grow by 5.3%. This means the Traditional IRA would generate an average monthly income of $1,543.26/month and the Roth IRA would generate an average income of $623.97/month. This compares with 2021 figures that were $1,386.13/month and $592.61/month, respectively.

SNLH = Stocks No Longer Held - Dividends in this row represent the dividends collected on stocks that are no longer held in that portfolio. We still count the dividend income that comes from stocks no longer held in the portfolio even though it is non-recurring.

All images below come from Consistent Dividend Investor, LLC. (Abbreviated to CDI).

Traditional IRA - 2021 V 2022 - June Dividends

Traditional IRA - 2021 V 2022 - June Dividends (CDI)

Roth IRA - 2021 V 2022 - June Dividends

Roth IRA - 2021 V 2022 - June Dividends (CDI)

Here is a graphical illustration of the dividends received on a monthly basis for the Traditional and Roth IRAs.

Retirement Projections - 2022 - June - Monthly Dividends (Bar Graph)

Retirement Projections - 2022 - June - Monthly Dividends (Bar Graph) (CDI)

The table below represents the genuine full-year results for 2022 and the prior year.

Retirement Projections - 2022 - June

Retirement Projections - 2022 - June (CDI)

Below is an expanded table that shows the full dividend history since inception for both the Traditional IRA and Roth IRA.

Retirement Projections - 2022 - June - 5 YR History

Retirement Projections - 2022 - June - 5 YR History (CDI)

I have included line graphs that better represent the trends associated with Jane's monthly dividend income generated by her retirement accounts. The images below represent the Traditional IRA and Roth IRA, respectively.

Retirement Projections - 2022 - June - Monthly Dividends

Retirement Projections - 2022 - June - Monthly Dividends (CDI)

Here is a table to show how the account balances stack up year over year (I previously used a graph but believe the table is more informative).

It is worth noting that with John and Jane Retired, there will be no additional contributions to these accounts. In fact, they have already begun to take regular distributions from the Taxable Account and John's Traditional IRA.

Retirement Account Balances - 2022 - June

Retirement Account Balances - 2022 - June (CDI)

The next images are the tables that indicate how much cash Jane had in her Traditional and Roth IRA Accounts at the end of the month as indicated on their Charles Schwab statements.

Retirement Projections - 2022 - June - Cash Balances

Retirement Projections - 2022 - June - Cash Balances (CDI)

The next image provides a history of the unrealized gain/loss at the end of each month in the Traditional and Roth IRAs going back to the beginning in January of 2018.

Retirement Projections - 2022 - June - Unrealized Gain-Loss

Retirement Projections - 2022 - June - Unrealized Gain-Loss (CDI)

I like to show readers the genuine unrealized gain/loss associated with each position in the portfolio because it is important to consider that in order to become a proper dividend investor, it is necessary to learn how to live with volatility. The market value and cost basis below are accurate at the market close on July 13th.

Here is the unrealized gain/loss associated with Jane's Traditional and Roth IRAs.

Traditional IRA - 2022 - June - Gain-Loss

Traditional IRA - 2022 - June - Gain-Loss (CDI)

Roth IRA - 2022 - June - Gain-Loss

Roth IRA - 2022 - June - Gain-Loss (CDI)

The last two graphs show how dividend income has increased, stayed the same, or decreased in each respective month on an annualized basis. I believe that the graph will continue to become more valuable as more years of data become available (with the fifth year of data being added, we can really see the trajectory of the income change for each month).

Traditional IRA - 2022 - June - Monthly Year-Over-Year Comparison

Traditional IRA - 2022 - June - Monthly Year-Over-Year Comparison (CDI)

Roth IRA - 2022 - June - Monthly Year-Over-Year Comparison

Roth IRA - 2022 - June - Monthly Year-Over-Year Comparison (CDI)


June was a rough month for account balances but the special dividends and increases were more than enough to compensate for this temporary drop in account value. In addition to this, readers can see a significant amount of trades which has allowed us to rotate capital from certain sectors and reduce exposure to certain positions while building positions in other positions that we consider to be undervalued.

June Articles

I have provided the link to the June 2022 Taxable Account below.

The Retirees' Dividend Portfolio: John And Jane's June Taxable Account Update

In Jane's Traditional and Roth IRAs, she is currently long the following mentioned in this article: AbbVie (NYSE:ABBV), Agree Realty (NYSE:ADC), Agree Realty Preferred Series A (ADC.PRA), Archer-Daniels-Midland (NYSE:ADM), Broadcom (NASDAQ:AVGO), Avient (NYSE:AVNT), Broadcom Preferred Series A (NASDAQ:AVGOP), Boeing (NYSE:BA), Bank of America (NYSE:BAC), Black Hills Corp. (NYSE:BKH), BlackRock Health Sciences Trust (NYSE:BME), Bank of Montreal (NYSE:BMO), Bank of Nova Scotia (NYSE:BNS), BP (NYSE:BP), British American Tobacco (NYSE:BTI), Canadian Imperial Bank of Commerce (NYSE:CM), Cummins (NYSE:CMI), Concentrix (NASDAQ:CNXC), Digital Realty (NYSE:DLR), Eaton Vance Floating-Rate Advantage Fund A (MUTF:EAFAX), Enbridge (NYSE:ENB), EPR Properties Preferred Series E (NYSE:EPR.PE), Eaton Corporation (NYSE:ETN), Emera Inc. (OTCPK:EMRAF), East West Bancorp (NASDAQ:EWBC), General Mills (NYSE:GIS), GasLog Partners Preferred C (NYSE:GLOP.PC), Honeywell (NASDAQ:HON), International Business Machines (NYSE:IBM), Iron Mountain (NYSE:IRM), Lexington Realty Preferred Series C (NYSE:LXP.PC), Lumen Technologies (NYSE:LUMN), LyondellBasell (NYSE:LYB), Main Street Capital (NYSE:MAIN), McGrath RentCorp (NASDAQ:MGRC), 3M (NYSE:MMM), Altria (NYSE:MO), Annaly Capital Preferred Series G (NYSE:NLY.PG), NextEra Energy (NYSE:NEE), NetApp (NASDAQ:NTAP), Realty Income (NYSE:O), OGE Energy Corp. (NYSE:OGE), Oxford Lane Capital Corp. 6.75% Cum Red Pdf Shares Series 2024 (NASDAQ:OXLCM), Philip Morris (NYSE:PM), PPG Industries (NYSE:PPG), PIMCO Corporate & Income Opportunity Fund (PTY), Cohen & Steers REIT & Preferred Income Fund (NYSE:RNP), Royal Bank of Canada (NYSE:RY), TD SYNNEX Corp. (NYSE:SNX), STORE Capital (NYSE:STOR), Toronto-Dominion Bank (NYSE:TD), Unilever (NYSE:UL), UMH Properties (UMH), Verizon (NYSE:VZ), Williams Companies (NYSE:WMB), W. P. Carey (NYSE:WPC).

Sat, 16 Jul 2022 01:03:00 -0500 en text/html
Killexams : Germany Data Center Market by Size, Latest Industry Trends, Market Share by Application and Regional Forecast 2022-2031

The Germany data center market is expected to reach a CAGR of 5.3% over the forecast period of 2022–2031. Big data and IoT technology will increase investments in the data center market as enterprises in Germany are observing high data generation across industries such as BFSI, IT & Telecom, Healthcare, Government & Defense, etc.

– The implementation of the General Data Protection Regulation (GDPR) also acts as a driver for data center investment and regional cloud network development in Germany. For instance, Microsoft opened its cloud region in Switzerland (2018), Germany (2019), and is planning to open a cloud region in Norway (2020).

– Similarly, Google has announced to open a cloud region in Frankfurt, Germany, in 2020. Hence, the implementation of data protection and privacy policies in Europe will contribute to the global data center market growth.

– The COVID-19 pandemic has resulted in a subsequent need to enforce social distancing in response to the lock-down. Due to this, there is a real drive across the public sector in Germany to shift from traditional channels to digital channels to enable citizens, businesses, and public sector staff to access public services and securely share data from remote locations. The COVID-19 Coronavirus crisis has reinforced the importance of data centers and what they do. Also, demand for cloud services is soar in some sectors but wither in other verticals as they shift into survival mode. All the above factors are enablers for the steady growth of the market in the short term as well as long time.

Key Market Trends

Increase in Colocation & Hyperscale Investments To Drive the Growth

– The primary factor driving the growth of data centers in Germany is the increased investment by colocation service providers in the Europe colocation market. The increasing cloud service providers and the information technology industry is boosting the data center market in Germany.

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– An increase in data generation every year is forcing many companies to double their on-premise storage from time to time. More companies are opting for the data center as it addresses their storage issues without substantial upfront costs.

– Companies have big-budget, and those who need more space for storing data are going for wholesale data center colocation. For instance, Vantage acquired Etix to expedite wholesale data center capacity delivery for hyper-scale and enterprise customers looking to expand in Frankfurt. The company is planning to invest $2 billion across five markets in Europe, including a “crown jewel” 55MW greenfield campus under construction in Offenbach, Germany, just outside of Frankfurt.

– The rising number of smart hospitals in Germany owing to rising investments in digital healthcare infrastructure in the country, increasing investments in communication and technology is also boosting the market growth of data center colocation in Germany.

Growing IT Infrastructure to Fuel the Market Growth

– Germany is the fifth-largest digital economy in the world. Over 80% of enterprises in the manufacturing sector in Germany plan to digitize their value chain by 2024. Increased digital economy initiatives along with factors such as high industrial tech spend and growth in smart cities initiatives, are leading to increased edge data center deployment

– Public cloud services dominate the data centers market in Germany. Government agencies are grown by private cloud services as they plan to make greater use of cloud services in public administration during the forecast period. However, hybrid cloud services have more substantial growth potential than private and public cloud services.

– The increased adoption of Big data and IoT technology across various industries in Germany led to high data generation across the region. Such trends are creating a need for efficient IT infrastructure to manage the enormous amounts of data and thus provides growth opportunities for the data center market in Germany. Berlin, Hamburg, and Munich are the leading three smart cities in Germany using IoT for business and commercial purposes.

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– Over 80% of enterprises in the manufacturing sector in Germany plan to digitize their value chain by 2024. Increased emphasis on digitization from connectivity to data and service architectures is also leading to increased growth of data centers in Germany. However, the high cost associated with data centers acts as a hindrance to the growth of the market.

Competitive Landscape

The Germany data center market is highly concentrated due to higher initial investments and low availability of resources, which present challenges to this market. Some of the key players in the market are Cisco Systems Inc., IBM Corporation, and Huawei. Some exact developments in the market include:

– In February 2020, Huawei launched the Intelligent Data Center Service Solution at the Industrial Digital Transformation Conference 2020. This service can help customers design, build, and operate the world’s high-reliability (Tier-4), green, and intelligent data centers. With the aid of Artificial Intelligence, Power Usage Effectiveness (PUE) can be reduced by 8%-15%.

– In December 2019, IBM expanded the availability of IBM Power Systems Virtual Servers on IBM Cloud to IBM Cloud data center in Germany. In addition to Washington, D.C., and Dallas, TX, the company’s AIX and IBM i users can now provision in Frankfurt, Germany.

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Mon, 04 Jul 2022 22:35:00 -0500 Newsmantraa en-US text/html
Killexams : NLP in Healthcare and Life Sciences Market Analysis by Size, Share, Key Players, Growth, Trends & Forecast 2026

"Microsoft (US), Google (US), IBM (US), Cerner (US), 3M (US), AWS (US), Inovalon (US), Dolbey (US), Averbis (Germany), Linguamatics (an IQVIA Company) (UK), Apixio (US), Clinithink (US), Lexalytics (US), Apixio (US), Clinithink (US), Lexalytics (US), Health Fidelity (US), Wave Health Technologies (US), Corti (US), CloudMedx (US), Oncora Medical (US)."

NLP in Healthcare and Life Sciences Market by Component (Solutions and Services), NLP Type (Rule-based, Statistical, and Hybrid), Application (IVR, Predictive Risk Analytics), Organization Size, End User, and Region - Global Forecast to 2026

The global NLP in Healthcare and Life Sciences Market size to grow from USD 1.8 billion in 2021 to USD 4.3 billion by 2026, at a Compound Annual Growth Rate (CAGR) of 19.0% during the forecast period. Factors such as growing need to analyze and extract insights from narrative text and huge amount of clinical data, increasing demand for improving EHR data usability to Excellerate healthcare delivery and outcomes and the rising urge of predictive analytics technology to reduce risks and Excellerate significant health concerns are driving the adoption of the NLP in healthcare and life sciences market across the globe.

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In the constant fight against COVID-19, pharmaceutical and healthcare organizations, government bodies, and the broader scientific communities worldwide are working to assess the impact of the COVID-19 virus and quickly develop accurate solutions. Few vendors in the market have observed that NLP provides faster, more systematic, and more comprehensive insight generation from unstructured text. Gaining key information from sources such as scientific literature, clinical trial records, pre-prints, internal sources, medical records, and social media and news reports, and synthesizing it into one evidence hub deepens the understanding for users, help accelerate outcomes. NLP is extensively used in different organizations to categorize sentiments, provide recommendations, and summarize information and topic. With the spread of COVID-19, communities, patients, and clinicians across the globe have all witnessed major disruptions in the way they work and how they engage with stakeholders across the ecosystem. Pharmaceutical and life science companies face immense pressure to provide essential medical products to support needy patients and ensure the development of new therapeutics and vaccines for COVID-19.

Scope of the Report

Report Metrics


Market size available for years


Base year considered


Forecast period


Forecast units

USD Million

Segments covered

Component, Deployment Mode, Organization Size, NLP Type, Application, End User, And Region

Geographies covered

North America, Europe, APAC, Latin America and MEA

Companies covered

Microsoft (US), Google (US), IBM (US), Cerner (US), 3M (US), AWS (US), Inovalon (US), Dolbey (US), Averbis (Germany), Linguamatics (an IQVIA Company) (UK), Apixio (US), Clinithink (US), Lexalytics (US), Apixio (US), Clinithink (US), Lexalytics (US), Health Fidelty (US), Wave Health Technologies (US), Corti (US), CloudMedx (US), Oncora Medical (US), Caption Health (US), ForeSee Medical (US), Press Ganey (US), (India), Notable (US), Biofourmis (US), Babylon (UK), Flatiron (US), and Suki (US)

The services segment to hold higher CAGR during the forecast period

Based on components, the NLP in healthcare and life sciences market is segmented into solutions and services. The services segment has been further divided into professional and managed services. These services play a vital role in the functioning of NLP in healthcare and life sciences, as well as ensure faster and smoother implementation that maximizes the value of the enterprise investments. The growing adoption of NLP technology is expected to boost the adoption of professional and managed services. Professional service providers have deep knowledge related to the products and enable customers to focus on the core business, while MSPs help healthcare firms to Excellerate their business operations and reduce overall expenses.

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According to ForeSee Medical, NLP is the ability of computers to understand the latest human speech terms and text. It is used in current technology to support spam email privacy, personal voice assistants, and language translation applications. The adoption of NLP in healthcare and life sciences is rising because of its recognized potential to search, analyze, and interpret a mammoth amount of patient datasets. Using advanced NLP-based algorithms, healthcare and life sciences firms harness the relevant insights and concepts from the clinical data that was previously considered buried in the text form.

Some of the key players operating in the NLP in healthcare and life sciences market include Microsoft (US), Google (US), IBM (US), Cerner (US), 3M (US), AWS (US), Inovalon (US), Dolbey (US), Averbis (Germany), Linguamatics (an IQVIA Company) (UK), Apixio (US), Clinithink (US), Lexalytics (US), Apixio (US), Clinithink (US), Lexalytics (US), Health Fidelty (US), Wave Health Technologies (US), Corti (US), CloudMedx (US), Oncora Medical (US), Caption Health (US), ForeSee Medical (US), Press Ganey (US), (India), Notable (US), Biofourmis (US), Babylon (UK), Flatiron (US), and Suki (US). These NLP in healthcare and life sciences vendors have adopted various organic and inorganic strategies to sustain their positions and increase their market shares in the global NLP in healthcare and life sciences market.

Microsoft (US) develops software, services, devices, and solutions to compete around intelligent cloud and intelligent edge. With continuous investments in the cloud, Microsoft enables its customers to digitalize their business processes. The company’s offerings include cloud-based solutions that provide customers with software, platforms, content and deliver solution support and consulting services. Its product offerings include Operating Systems (OS), cross-device productivity applications, server applications, business solution applications, desktop and server management tools, software development tools, and video games. Microsoft operates its business using three segments: Productivity and Business Processes, Intelligent Cloud, and More Personal Computing. The company’s platforms and tools help drive the productivity of small businesses, the competitiveness of large businesses, and the efficiency of the public sector. The company’s platform accelerates innovation across the spectrum of intelligent edge devices, from IoT sensors to gateway devices and edge hardware to build, manage, and secure edge workloads. Microsoft will invest USD 1 billion over the next four years in new technologies and innovative climate solutions. It has a geographical presence in more than 190 countries across North America, APAC, Latin America, MEA, and Europe. In response to the COVID-19 pandemic, Microsoft partnered with the Allen Institute for AI and leading research groups to prepare the COVID-19 Open Research Dataset. It is a free resource containing over 47,000 scholarly articles for use by the global research community. With Cognitive Search and Text Analytics, Microsoft developed the COVID-19 search engine, enabling researchers to more quickly evaluate and gain insights from the overwhelming amount of information about the COVID-19 pandemic.

3M (US) company was formerly known as Minnesota Mining and Manufacturing Company. 3M is a diversified global manufacturer, technology innovator, and marketer of a wide variety of products and services. 3M is a well-known provider of products, such as adhesives, laminates, dental products, orthodontic products, abrasives, and medical appliances. 3M is a diversified technology company with a worldwide presence and operates in segments including Safety and Industrial; Transportation and Electronics; Health Care, and Consumer. The company operates worldwide and caters to more than 65 nations. It delivers products through retailing and distributing partners in more than 200 nations. The company offers its products to verticals, such as healthcare, consumer and office; transportation and industry, safety, display and graphics, security and protection services, and electronics and communication. The company develops, manufactures, and markets its innovative products for the global market. 3M developed its NLP platform for email spam detection, personal assistants, and language translation apps. It further developed various healthcare-specific applications based on this platform for text processing and documentation. The company’s NLP platform automates the process of mining clinical concepts from unstructured data. 3M Health Information System (HIS) uses NLP to autosuggest codes, which helps coders turn clinical documentation into rich data sources, thus helping coders save time. 3M has also come up with an NLP software platform named CodeRyte CodeAssist. The platform helps capture the physician’s report and record diseases. All of this results in improved productivity, performance, and efficiency.

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Wed, 03 Aug 2022 02:22:00 -0500 text/html
Killexams : Startups News No result found, try new keyword!Showcase your company news with guaranteed exposure both in print and online Ready to embrace the fast-paced future we’re all experiencing? Join us for tech… Outstanding Women in Business are ... Fri, 05 Aug 2022 06:00:00 -0500 text/html Killexams : HTCR: Established software provider of CMS and Digital Transformation products entering a new expansion and growth phase.

By Thomas Kerr, CFA



HeartCore Enterprises HTCR is an established software development company based in Tokyo, Japan and operates in three core segments. These include 1) Content Management in which the core product is HeartCore CMS, 2) Digital Transformation which includes Controlio, myInvenio, Apromore and HeartCore Robo, and 3) GO IPO, a consulting service that helps Japanese companies prepare for a U.S. Nasdaq public listing.

HeartCore was founded in 2019 and has 64 employees at this time of which approximately half are devoted to software programming and engineering. The company has an established customer base with over 800 active customers and maintains a very high retention rate of approximately 95%. The company went public through an initial public offering in February 2022 raising $15 million in proceeds. The IPO was priced at $5.00 per share.

Content Management

Large enterprises or organizations that operate complex websites, blogs, mobile apps, ecommerce businesses or social networks need to utilize and manage large amounts of content to deliver their services or products. These websites often contain many thousands of pages. To handle this complex task, most large enterprises use a content management system, also referred to as a customer experience management platform. These platforms integrate marketing, sales, service, and content management systems as well as other tools and integrations that enable companies to attract and engage customers throughout the customer lifecycle.

The company's core offering that provides these services is the HeartCore CMS which allows the user to create, manage, and modify content on websites without the need for specialized technical knowledge. Key benefits to this system include a high degree of user-friendliness, relatively quick deployment compared to other complex processes, low ongoing maintenance requirements, extendable functionality, and SEO friendly features.

Specific HeartCore CMS features include an easy-to-use editor that can create and update web pages as easily as entering text into a word processor as well as the ability to import data by simply copying and pasting specific information and content. The system offers secure and privacy-oriented publishing settings where the user can view private information on the website before it gets publicly disclosed. The company believes HeartCore CMS is the only CMS in the world that can publish tens of thousands of pages simultaneously as well as thousands of PDF files at the same time. The product also offers granular access rights and detailed access permissions and flexible workflows. This allows users to reduce the production and operation time and ensure the accuracy of information. Lastly, HeartCore CMS offers extensive review and preview functions that's show final versions across all screen sizes and device types. The program can also preview registered content from two or three generations ahead with a future date on the same page.

The total addressable market size for content management software is approximately $6.0 billion and expected to grow at annualized rate of 18% over the next ten years. The content management segment represented 81% of 1st quarter 2022 revenues.

Digital Transformation

This segment consists of three separate offerings which includes robotic process automation (RPA), task mining and process mining. They share a common goal of accelerating the digital transformation of enterprises across their entire business lines, particularly in the areas of marketing, sales, and customer service.

Robotic process automation is an advanced technology that allows automation for a predetermined set of tasks. RPA robots can mimic most human-computer interactions to carry out error-free tasks at high volume and speed. These task cans include invoice processing, process sales orders, account reconciliation, employee onboarding, payroll, and enterprise data entry for core processes such as finance, human resources, manufacturing, supply chain, services, and procurement.

HeartCore Robo is the company's flagship RPA product and offers automation of key business applications such as packaged business software, internally developed software, website applications and mobile apps. This RPA offering can work across all platforms including remote and virtual environments as well as all operating systems and browsers. Specific features include high-speed identification of operation targets on the screen using a proprietary image analysis engine as well as automatic HTML operations and data acquisition within web pages. The product also utilizes highly advanced optical character recognition tools. The company believes it may be the only major RPA provider to focus on Android and Mac devices.

Task mining is an important technology that enables organizations to detect and analyze the tasks employees perform as they relate to completing larger processes which works by monitoring the actions users take. The purpose of using task mining software is to discover and understand the tasks employees are performing. This software process became particularly important during the Covid-19 pandemic as a substantial number of office-based employees were forced to work from home.

The company's task mining offering is Controlio which was acquired in December 2019. The company believes Controlio has a much more comprehensive and inclusive solution than competitors such as Skysea, LanScope, and MeeCap. Task mining represents approximately 4.0% of total company revenues.

Process mining is the technology that investigates and analyzes the large amounts of data in enterprise event logs to discover and present end-to-end processes that the organization is performing to complete work. The purpose of most process mining applications is to optimize and Excellerate business processes which may lead to more efficient operations and even automation of processes.

The company has two process mining offerings, myInvenio which was acquired in April 2019, and Apromore which was acquired in June 2021. Similar to the company's task mining offerings, the company believes myInvenio has a far more comprehensive process mining solution than competitors such as Celonis, Signavio, and UiPath. Process mining represents approximately 10% of total company revenues.

Go IPO Consultation

GO IPO is a new service from HeartCore that helps Japanese companies achieve a NASDAQ public listing in the U.S. Launched in March 2022, this NASDAQ consulting service is based on the company's own go-public experience as well as its general business expertise in navigating cross border issues between Japan and the U.S. From the Japanese market perspective, the company helps with audit attestation, underwriter exams and Tokyo Stock Exchange related information and processes. For the U.S. markets, the company helps with auditor audit attestation for two years, reviews by the underwriter and their attorneys, as well as SEC confirmation. More specifically, the company performs the difficult task of converting Japanese accounting data to IFRS and U.S. GAAP accounting principles and works with the audit firm.

Business model and marketing strategy

For the Content Management segment, the company is targeting enterprises with over $100 million in annual revenues and particularly those business that use websites for e-commerce, or to engage and inform customers. HeartCore markets its products at software and technology trades shows, partnership arrangements, direct sales to companies through their own sales team, and referrals from current customers. The pricing arrangement is typically $26,000 per on-premise server plus 18% from licensing. There are also annual maintenance fees.

For most of the digital transformation businesses, the company is targeting larger organizations with over $1 billion in revenues and those that have a need to make their operations and business processes more efficient and productive. Similar to the CMS segment, the company markets its products at trades shows, seminars, partnership arrangements, and direct sales to companies through their own sales team. The pricing model is $50,000 per year for process mining, $250 per year per unit for task mining, and an annual $5,000 subscription fee per year for RPA. The company has an alliance with IBM that they hope to expand, as well as other partnerships with consulting and ERP firms.

Sample customers for the company include such iconic names as Japan Airlines, Hitachi, Seibu Railway, Mitsubishi UFJ Morgan Stanley Securities, Ricoh, Tokyu department stores.

Financial review

For the 2021 fiscal year ending 12/31/21, the company generated $10.8 million in revenues which was an increase of approximately 20% over the prior year. Gross margins were 47.9% for the year compared to 44.5% in 2020. The company experienced growth in most its product offerings and achieved higher gross margins due to increased volumes and strong pricing power.

Operating income decreased to $59,018 for the year compared to $258,705 in the prior year largely due to an increase in listing expenses in preparation for the company's February 2022 IPO. Listing expenses totaled $867,624 compared to no listing related expenses in the prior year. Despite a net loss of ($338,156) for the year, HeartCore generated positive operating cash flow of $766,300 and with capital expenditures of only $36,153, free cash flow came in at $730,147.

Cash on the balance sheet as of year-end 2021 stood at $3.1 million, however, in February 2022, the company raised gross proceeds of $15 million in its initial public offering. Cash balances as of the end of 3/31/22 were $13.9 million with total debt of $2.5 million. The company experienced a burn rate in the 1st quarter of 2022, primarily due to increased expenses related to the company's IPO.

We expect HeartCore to reach breakeven profitability in the 2nd quarter of 2022 and show net profits and free cash flow in the 3rd and 4th quarters. The company will not likely have to access the capital markets to fund operations, however it may do so to finance potential acquisitions as they occur.

The company has 18.9 million common shares outstanding and 1.5 million warrants outstanding. Insiders hold approximately 71% of total shares with CEO with founder Sumitaka Kanno (Yamamoto) owning 58.0% of total common shares.

Management team

Sumitaka Kanno (Yamamoto), CEO, is the founder of HeartCore and has served as the Chief Executive Officer and member of the Board of Directors of HeartCore since June 2009. Mr. Kanno is an experienced information technology software programmer and graduated with a bachelor's degree from Kansai Gaidai University, Osaka, Japan. He has worked at in Japan, a global software vendor and former NASDAQ company, where he specialized in websites and software.

Kimio Hosaka, Chief Operating Officer, has been a member of the Board of Directors since May 18, 2021. Mr. Hosaka has served as the Chief Operating Officer and member of the Board of Managers of HeartCore since August 2015. Mr. Hosaka graduated with a bachelor's degree in physics from Chuo University, Tokyo, Japan. Mr. Hosaka brings 20 years of experience in technology as an engineer and manager at All Nippon Airways Systems, Electronic Data Systems, and Heartcore.

Hidekazu Miyata has served as Chief Technical Officer since May 18, 2021. Mr. Miyata has also served as the head of the DX division of HeartCore since June 2009. Mr. Miyata graduated with a bachelor's degree in economics from Doshisha University, Japan. Mr. Miyata worked for software development company, Electronic Data Systems and has more than 20 years of software development experience.

Qizhi Gao has served as the Chief Financial Officer of HeartCore since May 2017. From December 2007 through April 2017, Mr. Gao served as the Group Leader, Finance & Accounting Department at Marubishi Corporation in Tokyo, Japan. Mr. Gao graduated with a bachelor's degree in computer accounting from Chuo College of Information and Accounting.


We believe HeartCore Enterprises is entering a strong growth phase due to multiple factors:

➢ The company's key industry verticals of customer management, content management, and data mining are expected to grow at strong double-digit rates.

➢ The company has multiple cross-selling opportunities across all of its segments and product lines.

➢ Expansion into the U.S market is just beginning with a new office being opened up in the Silicon Valley region of California.

➢ The 90%+ retention rate will provide a solid base of recurring revenues and will also help with marketing and sales efforts as its satisfied customer base is reflected in those numbers.

➢ Over 650 customers will be able to upgrade to the latest version of HeartCore CMS (Version 12).

HeartCore has the potential to grow both revenues and earnings at very robust double-digit growth rates if it is able to execute on its strategic plans. Prudent tuck-in acquisitions will also play a role in future growth as the company attempts to capitalize on synergistic opportunities. The company's current stock price does not likely reflect that potential level of profitable growth going forward.

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Sat, 16 Jul 2022 00:35:00 -0500 text/html
Killexams : FDA expert panel in line with SciBase position to keep stringent approval level for all new skin lesion analyzers

STOCKHOLM, Aug. 9, 2022 /PRNewswire/ -- SciBase Holding AB ("SciBase") [STO:SCIB], a leading developer of augmented intelligence-based solutions for skin disorders, announced today that the FDA (US Food and Drug Administration) held a meeting with the Medical Devices Advisory Committee on July 28th and 29th to gather expert advice on the regulation of AI driven, skin lesion analyzers (SLAs) and Apps for skin cancer detection.

Panel members urged caution for skin cancer detection SLAs and Apps and stressed the need for more high quality research to validate these technologies. "The standards would have to be set very high for new products, especially those intended for consumers," said FDA panelist Murad Alam, MD, a dermatologist from Northwestern University, Chicago, Illinois.

The panel also considered the FDA's proposal to change the classification status of Nevisense and any new products that assist dermatologists in melanoma detection from the most stringent regulatory category, class III, to the less restrictive class II. The Panel underscored the potential risks of reclassifying these technologies and strongly recommended keeping them in the class III category. SciBase shared the same opinion as panel experts through written submissions and oral presentations. SciBase believes the current process where FDA sets very high standards and is closely involved in clinical validation study design is the most appropriate.

"We very much agree with the Panel's recommendation. Nevisense is currently the only SLA available on the market and we have gone through the very rigorous Class III PMA (Pre Market Approval) process with it's extremely high safety demands. Reclassifying this type of product to Class II would reduce the level of FDA oversight for new products entering into this space; something we believe could potentially compromise patient safety.

While the FDA is not legally bound to follow the Panel's recommendation, we believe that such an overwhelming recommendation will be difficult for the FDA to ignore. A final decision from FDA could take months or years, though it is our belief that even in the medium term a decision would not practically affect Nevisense or the market itself as stringent requirements on clinical study data would still apply.", says Simon Grant CEO SciBase.

For more information, please contact:
Simon Grant, CEO SciBase
Tel: +46 72 887 43 99

Certified Advisor (CA):.

Vator Securities
Tel: +46 8 580 065 99

About SciBase and Nevisense
SciBase is a global medical technology company headquartered in Stockholm, Sweden, that has developed a unique point of care platform for the non-invasive detection of skin cancer and other skin conditions. SciBase is a pioneer within augmented intelligence, combining artificial intelligence with Electrical Impedance Spectroscopy (EIS) to provide objective information that assists dermatologists and others in clinical decision-making. SciBase's products include Nevisense and Nevisense Go and to date the platform addresses the areas of melanoma detection, non-melanoma skin cancer detection and skin barrier assessment. Nevisense is the only FDA-approved device for the detection of melanoma and the only MDR-approved technology for skin cancer detection in Europe. SciBase's technology is based on more than 20 years of academic research at the Karolinska Institute in Stockholm, Sweden. For more information please visit

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