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KYC360 Partners with Vantage to Expand Customer Lifecycle Management Capabilities

KYC360, a prominent provider of Customer Lifecycle Management solutions that empower organisations to comply and succeed, is excited to announce a strategic partnership with Vantage, a leading technology consulting firm specialising in financial services.

This collaboration unites decades of industry expertise, aimed at helping businesses reduce risk and enhance operational efficiency. Vantage’s global expertise will be instrumental in scaling KYC360’s seamless automation and integration solutions.

Vantage is an accredited Quantios (previously known as TrustQuay and ViewPoint) Business Partner, offering technology consulting services and solutions through its offices in the Cayman Islands, Isle of Man, Channel Islands, United Kingdom, Switzerland, and Sri Lanka. Their areas of expertise include wealth management, entity management, regulatory compliance, data management, and accounting, with a strong emphasis on streamlining operations and reducing the costs and risks of business operations. Vantage has an impressive record of delivering projects in entity management, KYC compliance and due diligence, data governance and remediation, accounting, and document management.

“We are thrilled to announce our strategic partnership with KYC360, a leader in onboarding, screening and pKYC solutions. Together, we will enhance our capabilities, expand our reach, and deliver even more robust solutions to our clients. We look forward to a fruitful partnership that promises to set new benchmarks in regulatory compliance and operational excellence,” said Richard Collett, Managing Director of Vantage.

“We are delighted to partner with Vantage and combine our strengths and success in enabling digital transformation for businesses. KYC360 will leverage Vantage’s 20+ years of experience to scale our suite of customer lifecycle solutions and enable more businesses to comply and outperform,” said Stephen Platt, Founder & CEO of KYC360.

Sustainable Luxury: How London’s High-End Properties Are Embracing Green Building

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London, a city synonymous with opulence and grandeur, is undergoing a quiet revolution. The pursuit of luxury is evolving, with a growing emphasis on sustainability.

This article explores how the city’s high-end property market is leading the charge in green building, demonstrating that opulence and environmental responsibility can coexist seamlessly.

Technologies

Contemporary London luxury residences are incorporating innovative energy-saving systems to reduce their ecological impact. Take solar panels as an example. Once seen to be unattractive, solar panels are now being incorporated into architectural designs to not only provide renewable energy but improve the aesthetic appeal of the house — luxury condos are even being labelled as solar power’s next frontier.

Another innovative energy-saving system rapidly being incorporated into luxury homes is smart technologies. Smart home technologies can take care of everything, including lighting and heating, to make sure that opulent living is both comfortable and ecologically friendly. Luxurious residences often have smart thermostats installed that enable remote heating management, preventing energy waste during periods when the homes are empty. This lowers costs of utility bills and improves energy usage significantly and offers a sense of convenience synonymous with a luxury experience.

Construction Materials

A key component of sustainable luxury is the selection of building materials. Reclaimed wood, bamboo, and recycled metals are among the eco-friendly building materials that are increasingly being used to build high-end homes. In addition to being reusable and sustainably sourced, these materials give homes a distinct personality by fusing modernity and tradition. Sustainable materials for fittings and furniture provide a luxurious tactile and visual experience that demonstrates a commitment to environmental responsibility.

Water Conservation

One of the main features of sustainable luxury homes is water conservation. Rainwater collection and utilisation systems are frequently installed in these homes, greatly lowering the demand for mains water. Water usage is reduced by innovations like greywater recycling and water-efficient landscaping, all without sacrificing the lush aesthetics of gardens and outdoor areas.

Low-flow bathroom and kitchen fixtures within the house contribute to the preservation of high levels of luxury while using less water. These modest but impactful changes show that opulent homes may be both luxurious and conscientious protectors of the environment.

Green Spaces

Green terraces, living walls and indoor gardens are examples of the growing trend of bringing nature into luxury properties — an example of this is exquisitely done by Damac’s Versace-branded tower in Nine Elms. These green areas not only boost a home’s aesthetic appeal but also its air quality and tranquillity. Low-maintenance designs that combine elegance and functionality are common, including drought-resistant plants and controlled watering systems.

Community

Beyond individual residences, sustainable luxury living encompasses the communities that they form. Buildings are emphasising common areas and resources in an effort to foster a feeling of community and environmental responsibility. Community gardens and electric car charging stations are becoming commonplace in upscale housing complexes, encouraging a group approach to sustainability.

Free Daily Sports Picks: Are They the Key to Consistent Wins?

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In the world of sports betting, finding an edge is key to long-term success. Many bettors turn to free daily sports picks to inform their wagering decisions. However, simply following these picks without a broader strategy is unlikely to yield consistent wins. 

This article will explore how to effectively use free daily sports picks and develop a winning approach to sports betting.

Understanding Free Sports Picks Daily

Before we get into strategies, let’s clarify what free daily sports picks are and how they work.

What Are Free Daily Sports Picks?

Free daily sports picks are predictions or suggestions for sports bets, typically provided by websites, handicappers, or sports analysts. These picks usually include:

  • The sport and specific event
  • The type of bet (e.g., money line, point spread, over/under)
  • The recommended selection

Sources of Free Sports Picks

  • Sports betting websites
  • Social media accounts of handicappers
  • Sports analysis platforms
  • Fan forums and communities

Types of Free Picks

  • Straight bets on game outcomes
  • Point spread predictions
  • Over/under (totals) suggestions
  • Prop bet recommendations
  • Parlay suggestions

The Pros and Cons of Using Free Sports Picks

Like any tool, free sports picks have their advantages and drawbacks.

Advantages

  1. Cost-effective way to get betting insights
  2. Access to expert opinions and analysis
  3. Exposure to a variety of betting markets
  4. Potential to learn new betting strategies

Disadvantages

  1. Varying quality of picks from different sources
  2. Potential biases or hidden agendas of pick providers
  3. Lack of personalization for individual betting styles
  4. Risk of overreliance on external opinions

Strategies for Using Free Sports Picks Daily

To make the most of free picks, consider the following strategies:

1. Use Multiple Sources

  • Compare picks from different providers
  • Look for consensus among reputable sources
  • Be wary of outlier opinions

2. Do Your Own Research

  • Use free picks as a starting point, not the final word
  • Verify the information and analysis behind the picks
  • Conduct your own analysis of teams, players, and trends

3. Track Performance

  • Keep a record of the picks you follow and their outcomes
  • Analyze the success rates of different sources over time
  • Identify which types of picks or sports yield better results

4. Understand the Reasoning

  • Look for picks that explain their rationale
  • Use this information to enhance your own analytical skills
  • Be cautious of picks that rely solely on gut feelings or hunches

5. Be Selective

  • Don’t feel compelled to bet on every available pick
  • Choose the bets that align with your knowledge and strategy
  • Quality of bets is more important than quantity

Developing a Winning Betting Strategy

While free sports picks can be helpful, developing your own strategy is key to consistent success.

1. Specialize in Specific Sports or Leagues

  • Focus on areas where you have the most knowledge
  • Develop a deep understanding of teams, players, and trends
  • Stay updated on news and developments in your chosen niche

2. Understand Different Bet Types

  • Learn the intricacies of various betting markets
  • Identify which types of bets suit your style and knowledge base
  • Experiment with different bet types to find your strengths

3. Master Bankroll Management

  • Set a budget for your betting activities
  • Use a consistent unit sizing system (e.g., 1-5% of bankroll per bet)
  • Never chase losses with larger bets

4. Develop a Data-Driven Approach

  • Use statistical analysis to inform your decisions
  • Consider factors like team form, head-to-head records, and injuries
  • Look for value bets where the odds don’t reflect true probabilities

5. Stay Disciplined

  • Stick to your predetermined strategy
  • Avoid emotional betting based on favorites or hunches
  • Be prepared to pass on bets if you don’t see value

Advanced Tips for Consistent Wins

For those looking to take their betting to the next level, consider these advanced strategies:

1. Line Shopping

  • Compare odds across multiple sportsbooks
  • Look for the best value for your chosen bets
  • Even small differences in odds can significantly impact long-term profitability

2. Timing Your Bets

  • Monitor line movements and understand their implications
  • Consider factors that might influence odds (e.g., injury reports, weather)
  • Know when to place bets early and when to wait for better lines

3. Understanding Public Betting Trends

  • Be aware of how public opinion can influence the odds
  • Look for opportunities to bet against the public when appropriate
  • Use public betting data to inform your decisions

4. Utilize Betting Tools and Resources

  • Consider using odds calculators and betting trackers
  • Explore analytical tools that provide advanced stats and trends
  • Stay informed with reliable sports news sources

5. Develop a Contrarian Mindset

  • Don’t be afraid to go against popular opinion
  • Look for overvalued favorites and undervalued underdogs
  • Identify situations where the public might be overreacting to recent events

Common Mistakes to Avoid

Even with the best free sports picks daily, bettors can fall into these common traps:

1. Overreliance on Picks

  • Blindly following picks without understanding the reasoning
  • Failing to do independent research and analysis

2. Ignoring Bankroll Management

  • Betting too much on a single game or “sure thing”
  • Increasing bet sizes to recover losses

3. Chasing Losses

  • Placing additional bets to recoup losses
  • Deviating from your strategy after a losing streak

4. Betting on Unfamiliar Sports or Markets

  • Wagering on sports or bet types you don’t fully understand
  • Following picks for leagues or teams you’re not familiar with

5. Neglecting to Track Results

  • Failing to keep accurate records of your bets
  • Not analyzing your betting history to identify strengths and weaknesses

The Psychology of Successful Sports Betting

Understanding the mental aspects of betting can help you maintain consistency:

1. Emotional Control

  • Stay calm and rational, regardless of wins or losses
  • Avoid making impulsive bets based on excitement or frustration

2. Patience

  • Wait for the right opportunities rather than forcing bets
  • Understand that long-term success often involves short-term volatility

3. Confidence and Self-Awareness

  • Trust in your research and strategy
  • Be honest about your strengths and weaknesses as a bettor

4. Continuous Learning

  • Always be open to new information and strategies
  • Learn from both your successes and failures

5. Responsible Mindset

  • View betting as entertainment, not a guaranteed income source
  • Be prepared to walk away if betting becomes problematic

The Future of Sports Picks and Betting

As technology advances, we can expect changes in how sports picks are generated and used:

1. AI and Machine Learning

  • More sophisticated algorithms for generating picks
  • Integration of vast amounts of data for more accurate predictions

2. Personalized Pick Services

  • Tailored recommendations based on individual betting history and preferences
  • AI-driven analysis of your betting patterns and success rates

3. Enhanced Real-Time Data

  • Increased use of in-game data for live betting picks
  • More detailed player and team performance metrics

4. Virtual and Augmented Reality

  • Immersive experiences for analyzing games and stats
  • Interactive platforms for sharing and discussing picks

5. Blockchain and Transparency

  • Verifiable track records for pick providers
  • Decentralized platforms for community-driven picks and analysis

Conclusion

Free daily sports picks can be a valuable resource for sports bettors, but they should be just one part of a comprehensive betting strategy. By combining these picks with your own research, analysis, and disciplined approach, you can increase your chances of consistently winning bets.

Remember that no strategy or set of picks can guarantee success in sports betting. The key is to approach betting with a long-term perspective, focusing on making informed decisions and managing your bankroll wisely.

As you develop your betting skills, you may find that you rely less on free picks and more on your own analysis. This evolution is natural and can lead to more consistent results over time. However, even experienced bettors can benefit from considering outside perspectives and picks to challenge their own thinking and identify overlooked opportunities.

Juvederm Online: Get Authentic Products from Best Buy Fillers

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For those in the aesthetic medicine field, finding a reliable supplier of high-quality dermal fillers is crucial. Juvederm, one of the most trusted names in the industry, offers a range of hyaluronic acid-based fillers that add volume, smooth lines, and enhance facial contours. Best Buy Fillers, a reputable provider of aesthetic products, allows medical professionals to buy Juvederm online, ensuring that treatments are both effective and accessible.

Understanding Juvederm Dermal Fillers

Juvederm dermal fillers are renowned for their ability to add volume and lift different areas of the face. Based on hyaluronic acid, a naturally occurring substance in the skin, these fillers not only add volume but also help the skin retain moisture, delivering nutrients that contribute to a youthful appearance. Patients often seek Juvederm for its long-lasting effects, which can plump lips, smooth parentheses lines, and lift cheeks, creating a natural-looking enhancement.

The Versatility of Juvederm Fillers

The Juvederm collection includes various products tailored to different aesthetic needs. Whether the goal is lip augmentation, enhancing facial contours, or smoothing wrinkles, Juvederm offers a solution. For instance, Juvederm Ultra is a popular choice for adding lip volume, while other dermal fillers in the Juvederm range are suitable for treating different areas of the face. Each product is designed to be effective yet gentle, minimizing pain and ensuring patient comfort.

Why Choose Hyaluronic Acid Fillers?

Hyaluronic acid fillers like Juvederm are preferred by many medical professionals due to their natural composition. Since hyaluronic acid is a substance already found in the body, these fillers are generally well-tolerated and provide results that look natural. The ability to add volume and smooth lines without compromising the skin’s appearance makes Juvederm a go-to option for many patients seeking subtle, yet impactful, enhancements.

The Role of Best Buy Fillers in Aesthetic Medicine

Best Buy Fillers stands out as a reliable partner for aesthetic medicine practitioners. Their commitment to providing high-quality products, including the full range of Juvederm fillers, ensures that professionals can deliver the best results to their patients. With a strategically located logistics center in Malta, Best Buy Fillers offers efficient service across Europe, making it convenient for professionals to buy Juvederm online and have it delivered promptly.

By offering a comprehensive selection of products, Best Buy Fillers helps medical professionals create tailored treatments that meet the unique needs of each patient. The company’s focus on transparency and quality control guarantees that every filler meets stringent safety standards, giving both practitioners and patients confidence in the treatments provided.

Enhancing Patient Outcomes with Juvederm

Juvederm fillers not only add volume but also play a crucial role in enhancing the skin’s overall health. By delivering nutrients and helping the skin retain moisture, these fillers contribute to a more youthful and vibrant appearance. Whether the goal is to lift cheeks, smooth wrinkles, or plump lips, Juvederm’s hyaluronic acid-based formula offers a versatile solution that meets various aesthetic goals.

Patients appreciate the natural-looking results that Juvederm provides, as the fillers blend seamlessly with the skin’s existing structure. The ability to target specific areas of the face, such as the cheeks or lips, allows for customized treatments that address individual concerns. Additionally, the inclusion of lidocaine in many Juvederm products helps minimize discomfort during treatment, ensuring a positive experience for patients.

A Full Range of Juvederm Products is Available Online

For medical professionals looking to expand their range of treatments, the Juvederm collection offers an array of options. From Juvederm Ultra for lip volume to other dermal fillers suitable for different facial areas, there is a product for every need. Best Buy Fillers makes it easy to buy Juvederm online, providing access to the full range of products that will help enhance patient outcomes.

By choosing Juvederm, professionals will offer treatments that not only improve the appearance of the skin but also support its natural functions. The hyaluronic acid-based fillers are designed to work with the body, adding volume and smoothing lines in a way that looks and feels natural.

Frequently Asked Questions

What makes the Juvederm collection unique?

The Juvederm collection is renowned for using a natural substance, hyaluronic acid, which adds volume and enhances facial contours.

How do dermal fillers add volume to the face?

Dermal fillers add volume by injecting a smooth gel that plumps the skin and restores lost fullness.

What areas can be treated with Juvederm Ultra?

Juvederm Ultra is ideal for adding volume to lips and smoothing lines around the mouth.

Is hyaluronic acid in dermal fillers safe?

Yes, hyaluronic acid is a naturally occurring substance in the body, making it a safe and effective choice for dermal fillers.

How quickly can I see results with Juvederm Ultra?

Results from Juvederm Ultra are typically visible immediately after treatment, as the dermal filler adds volume instantly.

Traditional British Food: A Taste of History

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Introduction to British Cuisine

British cuisine has long been a topic of discussion, often misunderstood and underappreciated. Traditional British food, however, offers a rich tapestry of flavours and history, reflecting the diverse culture of the United Kingdom. From the hearty Sunday roast to the humble fish and chips, traditional dishes have stood the test of time, symbolizing the essence of British culture.

Sunday Roast: The Heart of Family Life

The Sunday roast is more than just a meal; it’s a ritual. Traditionally served with roast beef, Yorkshire puddings, roast potatoes, and rich gravy, it’s a feast that brings families together. The roast potatoes, crispy on the outside and soft on the inside, are a perfect match for the succulent roast beef. Yorkshire puddings, puffed up to perfection, soak up the rich gravy, making every bite a delightful experience.

Fish and Chips: The National Dish

Fish and chips is perhaps the most iconic of all British dishes. Originating from London’s East End, this deep-fried delight has become a staple in mash shops across the UK. The combination of flaky white fish encased in crispy batter, paired with golden chips, and served with mushy peas, is a simple yet delicious combination. Many consider it the national dish, and it’s a must-try for anyone visiting the United Kingdom.

Yorkshire Pudding: More Than Just a Side

Yorkshire pudding is a beloved side dish, traditionally served with roast beef and rich gravy. Made from a simple batter of eggs, flour, and milk, it puffs up in the oven, creating a crispy exterior with a soft, airy inside. Yorkshire puddings are often used to mop up the gravy, making them an essential part of a traditional British dish.

Cottage Pie and Shepherd’s Pie: Comfort in a Dish

Cottage pie and shepherd’s pie are classic British dishes that offer comfort in every bite. Made with minced beef or lamb, topped with mashed potatoes, and baked until golden brown, these dishes are a staple in British homes. The mashed potato topping, often mixed with butter and fresh parsley, creates a creamy contrast to the savoury meat filling.

Christmas Pudding: A Festive Treat

No British Christmas is complete without the traditional Christmas pudding. Made with dried fruit, brandy butter, and often served with whipped cream or vanilla ice cream, this dessert has ancient origins. Traditionally served at the end of Christmas dinner, it’s a rich, dense pudding that is both a treat and a tradition.

Scotch Egg: A Pub Favorite

Scotch eggs are a popular snack in UK pubs, often served cold with a side of pickled red cabbage. A hard-boiled egg wrapped in sausage meat, coated in breadcrumbs, and deep-fried to perfection, it’s a delicious combination of flavors and textures. The crisp exterior contrasts beautifully with the soft egg inside, making it a perfect on-the-go snack.

Lancashire Hot Pot: A Northern Classic

Lancashire hot pot is a traditional dish originating from Northern England. Made with sliced potatoes, lamb, and root vegetables, it’s slow-cooked to create a hearty and warming meal. The dish is often topped with a layer of sliced potatoes, which become crispy during baking, adding a delightful texture to the dish.

Black Pudding and Pork Pie: Uniquely British

Black pudding and pork pie are quintessentially British foods with ancient origins. Black pudding, made from pork blood, fat, and oatmeal, is typically served with an English breakfast. Pork pie, encased in a suet pastry, is filled with minced pork and often enjoyed cold. Both are examples of traditional British dishes that have stood the test of time.

Sticky Toffee Pudding: A Sweet Finale

Sticky toffee pudding is a beloved dessert in British cuisine, known for its moist sponge cake, made with dates and covered in a rich toffee sauce. Often served with whipped cream or vanilla ice cream, it’s a sweet and indulgent way to end a meal. The combination of the warm, sticky sponge with the cool cream creates a satisfying contrast that leaves you wanting more.

Conclusion: The Legacy of Traditional British Food

Traditional British food offers a glimpse into the history and culture of the United Kingdom. From the hearty Sunday roast to the sweet sticky toffee pudding, these dishes have become a part of family life and national identity. Embracing the diversity of British cuisine, with its rich gravy, mashed potatoes, and Yorkshire puddings, is essential to understanding the legacy of British food. For those looking to explore the flavours of Great Britain, there’s no better way than indulging in these classic dishes.

In the end, traditional British food is more than just a collection of recipes. It’s a reflection of the United Kingdom’s history, culture, and community. Each dish, whether it’s a comforting shepherd’s pie or a festive Christmas pudding, tells a story of family, tradition, and the rich culinary heritage of Great Britain.

Frequently Asked Questions

What are baked beans traditionally served in English food?

Baked beans are often served with an English breakfast, complementing fried eggs, sausages, and toast.

Is bread and butter pudding a common dessert in traditional British foods?

Yes, bread and butter pudding is a classic dessert often enjoyed as part of traditional British foods.

What is steak and kidney pudding made of?

Steak and kidney pudding is made with a suet pastry filled with steak, kidney, and rich gravy.

Why is chicken tikka masala considered a popular dish in English food?

Chicken tikka masala is a popular dish in English food, reflecting the multicultural influences on British cuisine.

What is the historical significance of toad in the hole during World War II?

Toad in the hole became a popular dish during World War II due to its simplicity and use of readily available ingredients.

How is Solar Energy Impacting the UK Property Industry?

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The UK is on a sustainable trajectory when it comes to property, with the prevalence of solar energy. As solar energy is further adopted and applied during a building’s lifetime, it has a positive effect on property values, changing the behaviour of buyers, and also affecting the property industry along the way. This discussion provides an insight into how solar energy contributes to the UK property industry.

The Rise of Solar Energy in the UK

The usage of solar energy has dramatically increased in the past decade in UK. Due to the government’s objective to enhance energy efficiency and the reduction of carbon emission, investment in solar energy has seen an uplift. This has helped solar panel being made more affordable and making it feasible for any home and developers to have their own personal power source.

Over the past years, it is estimated that there are now over a million solar installations in UK. This number is expected to increase because of the growing number of people realising the benefits that come along with utilising the free energy provided by nature.

Government Incentives

Another of the most common factors behind the take-up is government incentives. The FiT, which paid homeowners for the energy generated by their solar panels, triggered a wave of installations in recent years before its replacement by the Smart Export Guarantee (SEG) tariff that pays for surplus energy exported to the grid. The financial incentives remain an attractive proposition for landlords.

Impact on Property Values

There is a clear sunny side with regard to property prices in the UK. Solar power has a positive influence on house prices, as houses with solar panels fitted are becoming more popular in part because of the low energy consumption. This is then having a positive impact on the price of properties. More and more buyers are taking into account the lifelong savings that come with using solar energy.

Added Value

A house with solar panels may become more valuable to a prospective buyer. In fact, research has found that homes with solar systems are often valued at up to 4 per cent more than properties without solar. In some regions where energy efficiency and environmental considerations are more important to homebuyers, the added value may be even greater. And it’s likely to get better. As energy prices rise even more in years to come, the appeal of having your own energy source should become an even more valuable feature of a new home.

Marketability

Solar panels additionally increase marketability of a home. In a competitive housing market, energy efficiency features such as solar panels can distinguish a property. Buyers who consider the environment or look to slash utility bills might be specifically drawn to homes with do-it-yourself solar set-ups, which could result in a quicker sale and an increased offer.

Influence on New Developments

The energy has an even bigger effect on the massive house-building industry. Incorporating solar panels into new builds has become common practice as developers meet the demand for low-energy properties.

Planning and Regulations

Local councils across the UK are necessitating or encouraging the installation of renewable energy provision as a part of new developments. In the wider drive towards the UK’s target of achieving net-zero carbon emissions by 2050, developers are being forced to look at sustainable design. This means increased focus on solar for the delivery of energy efficiency standards.

Appeal to Investors

The Managing Director of Open Property Group says that “Solar, meanwhile, bags up more points with property investors, particularly from the commercial sector, who like the idea of lower operating costs. In addition, both commercial and residential spaces with solar rooftops tap into the rising tide of ESG: environmental, social and governance considerations for investment.”

Future Trends

In coming years, solar energy in the UK property market is going to be of a much greater relevance as the improvements in technology continue and the cost reductions are made available to the general public, letting solar-generated power be installed on residential and commercial properties alike. Secondly, due to the UK government’s continued commitment to reaching the target of carbon emission reduction, solar energy will be a vital part of the strategy of the property sector in the UK.

Smart Homes and Solar Integration

Smart home technology should make solar energy better still as increasing integration with energy management systems will help homeowners to use power provided by solar cells more effectively, store surplus in batteries, and potentially sell the power back to the grid.

The experience of the UK indicates that solar energy is transforming the property industry as a whole. This shift around is reshaping property prices, marketability and development practices. Nowadays, the desire of buyers for environmentally friendly homes prompts the need to install solar panels on both residential and commercial buildings. Solar energy is fast becoming an integral part of the existing homes and commercial properties, as the world moves to a cleaner and greener future. The positive side of powering homes with solar panels is the growing number of homeowners, developers and investors who are gaining a greater sense of financial and environmental benefits. This analysis shows that the UK has emerged as a leader in the green revolution within the property sector.

Bitcoin Dominance Ratio Reaches Nearly 60% in August, Highest Since Early 2021

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Despite substantial price volatility in April, June, and early August, Bitcoin’s value has surged by approximately 51% year-to-date, adding nearly $450 billion to its market capitalization. This notable increase has also significantly affected Bitcoin’s dominance ratio, which has risen well above the levels observed in the previous year.

According to data from Stocklytics.com, Bitcoin’s dominance ratio reached nearly 60% in August, marking the highest level since early 2021.

Previous Peak: February 2021

The dominance ratio, a key metric in the cryptocurrency realm, gauges Bitcoin’s market capitalization relative to the total crypto market cap. It reflects Bitcoin’s strength compared to other cryptocurrencies (altcoins) and indicates trading sentiment, highlighting whether Bitcoin is being overshadowed by stablecoins or NFTs.

Although Bitcoin ended 2023 with an impressive 160% gain—three times its price growth in the preceding eight months—its dominance ratio was still lower compared to this year. Despite increased institutional interest from major financial firms such as BlackRock and Fidelity helping Bitcoin recover from the 2022 bear market, its dominance ratio remained just above 50% for most of last year.

Data from Coingecko and Statista revealed that Bitcoin’s dominance ratio stood at 40% in January 2023, with altcoins dominating the market with a 60% share. This figure saw a modest rise of 5% over the next four months despite Bitcoin’s price surge. By October, Bitcoin’s dominance ratio had climbed to 50% but dropped to 47% by December.

2024: A Stronger Bitcoin

In 2024, Bitcoin’s dominance ratio showed a marked improvement. From January to June, the ratio fluctuated between 48% and 53%, reflecting market reactions to potential changes in central bank interest rates. By early August, the dominance ratio had surged to nearly 60%, a level last seen in February 2021. Although it has since slipped to around 53%, this still represents a 6% increase compared to the same period last year.

Growth in Other Major Cryptos

According to Coingecko data, Bitcoin was not the only major cryptocurrency to see its dominance ratio increase this year. Solana’s dominance ratio more than tripled over the past eight months, rising from 0.78% in January to approximately 3% last week. Binance Coin also experienced a modest increase, with its dominance ratio climbing from 3.1% to 3.5%.

However, while Bitcoin and a few other major cryptos saw growth, most experienced declines. Ethereum’s market share fell from 18.1% to 14.6%, reflecting a shift in market sentiment. Tether’s dominance ratio decreased from 6.5% to 5.2%, and XRP’s share dropped from 2.7% to 1.4%. Dogecoin also saw a reduction in its dominance ratio, falling from 0.88% to 0.7% over the past eight months.

Insurance Costs for Americans to Reach $15,000 by 2028, Far Outpacing Spending in Europe and Asia

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While countries like China, Japan, the United Kingdom, and Germany boast large insurance markets, the United States remains the dominant force, generating half of the world’s insurance premiums. However, the gap in per capita insurance spending between Americans and other nations is staggering and is expected to widen in the coming years.

According to data from AltIndex.com, by 2028, the average American will spend $15,000 annually on insurance—seven times more than Europeans and thirty times more than Asians.

US Insurance Spending Per Capita Surged by 26% Since 2017, Projected to Grow Another 8% by 2028

Several factors contribute to the United States’ status as the world’s largest insurance spender. Health insurance plays a significant role in this, as the U.S. healthcare system is predominantly private and insurance-driven, leading to far higher per capita spending than in other countries. Additionally, the country’s high levels of wealth drive individuals and businesses to purchase a wide array of insurance products. As a result, the United States has one of the highest insurance penetration rates globally, with per capita spending that dwarfs that of other nations.

A Statista survey reveals that U.S. insurance spending per capita has risen dramatically by 26% since 2017, increasing from around $10,600 to nearly $13,600. This figure is expected to grow by an additional 8% by 2028, with Americans projected to spend about $1,400 more annually, bringing the total to nearly $15,000 per person.

When comparing U.S. insurance spending to other regions, the disparity is even more pronounced. By 2028, Americans are expected to spend seven times more on insurance than Europeans and approximately thirty times more than Asians. Even in the United Kingdom and Germany, where insurance spending is relatively high, the average will still be 3.5 times less than in the U.S., at around $4,000 per person.

China, despite being the world’s second-largest insurance market by total premiums, lags far behind the U.S. in per capita spending. Statista projects that by 2028, the average Chinese citizen will spend just $810 on insurance—18 times less than their American counterparts. In Japan, per capita insurance spending will remain higher than in China but still aligns with the Asian average, with Japanese individuals expected to spend $2,600 on insurance by 2028, slightly down from current levels.

The U.S. Will Represent 52% of Global Insurance Premiums by 2028

As more Americans seek out new insurance products and per capita spending continues to rise, the United States is set to further solidify its leadership in the global insurance market.

According to Statista Market Insights, the U.S. accounted for $3.52 trillion, or 46% of global insurance premiums, in 2017. This figure has since climbed to $4.64 trillion, making up 50% of the global total and underscoring the country’s dominance in the industry. By 2028, the U.S. insurance market is expected to surpass $5.1 trillion in value, with its share of global premiums rising to nearly 52%.

In summary, the U.S. not only leads the world in total insurance premiums but also in per capita spending, a trend that shows no signs of slowing. As insurance costs continue to rise, the gap between American spending and that of other countries is likely to grow even wider, cementing the United States’ position at the top of the global insurance market.

Apple Watch for Kids: Key Safety Settings for Peace of Mind

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7 Essential Apple Watch Settings Every Parent Should Know for Kids’ Safety

“Technology can be a double-edged sword,” says Josh Gordon, a tech expert at Geonode, highlighting the importance of understanding how devices like the Apple Watch can be used to ensure children’s safety. With the growing popularity of smartwatches among kids, especially the Apple Watch, it’s crucial for parents to know how to utilize its features for their child’s protection.

According to KidsLox, as smartphones become more common, smartwatches are becoming their successors. Among these, the Apple Watch has gained significant popularity with both adults and children.

1. Set Up Family Sharing Leverage the Family Setup feature to manage your child’s Apple Watch from your iPhone, even if they don’t have their own phone.

How to Set Up: Go to the Settings app on your iPhone > Family Sharing > Add Member.

Main Benefits: Monitor health data, set screen time limits, and control who your child can communicate with.

2. Emergency SOS Ensure your child knows how to use the Emergency SOS feature, which can contact emergency services and share their location with emergency contacts.

How to Use: Hold the side button until the Emergency SOS slider appears.

Settings: Open the Watch app on your iPhone > My Watch > Emergency SOS, and make sure “Hold Side Button” and “Fall Detection” (for older kids) are enabled.

3. Schooltime Mode To minimize distractions during school hours, enable Schooltime Mode, which simplifies the watch face and limits access to apps.

How to Set Up: Go to the Watch app on your iPhone > My Watch > Family Watches > Choose your child’s watch > Schooltime.

Schedule: Define school hours to automatically activate this mode.

4. Activity Sharing and Notifications Encourage physical activity by monitoring your child’s fitness goals through Activity Sharing and Notifications.

Setup: Open the Watch app on your iPhone > My Watch > Activity > Set up notifications and sharing preferences.

Monitor Progress: Regularly check and discuss their progress to promote healthy habits.

5. Location Sharing Keep track of your child’s location in real-time with Location Sharing.

Enable: Go to the Watch app on your iPhone > My Watch > Family Watches > Choose your child’s watch > Location Sharing.

Access Location: Use the Find My app to instantly view your child’s whereabouts.

6. Restricted Contacts & Communication Limits Limit who your child can communicate with and set boundaries on when they can use their Apple Watch for messaging.

Setup: Watch app on iPhone > My Watch > Family Watches > Choose your child’s watch > Contacts.

Communication Limits: Control who can contact your child during specific times, such as school hours or bedtime.

7. Parental Controls Activate parental controls to manage which apps and content your child can access on their Apple Watch.

Manage via: Watch app on iPhone > My Watch > Family Watches > Choose your child’s watch > General > Restrictions.

Options Include: Restricting explicit content, blocking in-app purchases, and managing app usage.

Josh Gordon emphasizes that “Proactive engagement is key to leveraging technology for safety.” By familiarizing yourself with these Apple Watch settings, you can not only protect your child but also guide them in using technology responsibly. These tools ensure that your child’s digital journey is both secure and enriching.Apple Watches for Kids: Key Safety Settings for Peace of Mind

Apple’s iPhone Revenue Declines by $2.7 Billion Year-Over-Year, Falling to $85.2 Billion in H1

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After securing the top spot in the smartphone market in the last quarter of 2023, Apple has experienced a decline in iPhone sales, leading to a significant drop in revenue during the first half of 2024.

According to data from Stocklytics.com, Apple’s iPhone sales revenue decreased by $2.7 billion year-over-year, totaling $85.2 billion in the first half of 2024.

Rising Chinese Competition Squeezes iPhone Sales

Apple’s iPhone has been the company’s most successful product since its debut in 2007, consistently capturing market share with its blend of user experience and status symbol appeal. Despite its dominant position, Apple has faced increasing competition from Chinese smartphone manufacturers like Xiaomi, Vivo, and Oppo, which offer high-specification phones at lower prices. This aggressive competition has significantly impacted iPhone sales, contributing to a notable decline in both revenue and shipments.

According to IDC’s Quarterly Mobile Phone Tracker, Apple shipped 50.1 million iPhones in the first quarter of 2024, five million fewer than during the same period last year. This drop in shipments corresponded with a nearly 10% decrease in sales, which fell to $45.9 billion. The downward trend continued in the second quarter, with iPhone shipments increasing slightly by 1.5% year-over-year to 45.2 million units, yet quarterly revenue still declined by $400 million, reaching $39.2 billion, according to Apple’s official data.

The cumulative effect of two consecutive quarters of declining sales resulted in a significant $2.7 billion drop in revenue. The tech giant reported $85.2 billion in iPhone sales for the first half of 2024, down from nearly $88 billion during the same period the previous year.

iPhone shipments as a share of global smartphone shipments also saw a decline. IDC data shows that Apple’s market share dropped to 15.8% in the second quarter of 2024, down slightly from 16% in the same quarter of the previous year. Meanwhile, Apple’s main competitor, Samsung, also saw its market share slip, falling from 20% in Q2 2023 to 18.9% in Q2 2024.

iPhone Sales Now Represent Roughly 46% of Apple’s Total Revenue, Down 2% from Last Year

The revenue decline over the past two quarters has also led to a reduced contribution of iPhone sales to Apple’s overall revenue. According to the company’s official figures, iPhone sales accounted for nearly 46% of Apple’s total revenue in the third quarter of fiscal year 2024, down 2% from the same period last year.

This marks a significant decline compared to the period between 2017 and 2020, when iPhone revenue contributed between 55% and 60% to Apple’s total revenue. Meanwhile, Apple’s other businesses, including the iTunes Store and Apple Watch, have seen their revenue shares grow, increasing from around 5% in 2017 to nearly 30% in the third quarter of fiscal year 2024.

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