Category: Vehement Media Network

Santa Ana, California Jan 11, 2023 (Issuewire.com) – We live in a world that has become almost completely dominated by technology, and we have become accustomed to using it in all aspects of our lives, both at home and at work. However, there is currently a hugely significant tech issue that no one is talking about, and it’s related to our personally identifiable information (PII). “The bottom line is that, in most places where we provide our personal information, our PII is not remotely safe in any way, shape or form.” Says Alvand K the CEO of intSignal.

According to figures recently released, the U.S. Federal Trade Commission (FTC) received more than 5.88 million fraud reports in 2021, a 19% increase from the year prior. Reports of associated financial losses topped $6.1 billion, which is an increase of more than 77% compared with 2020. These figures are astronomical, and not enough is being done to rectify the problems.

Many offices and businesses simply don’t have the correct protections in place. For example, let’s look at a standard dental or doctor’s office. Most of these offices don’t know the basic ePHI protection requirements, which is due to the fact that they are not being trained in the technology. Furthermore, if they were to hire an expert the costs would be incredibly high, which is simply not feasible for such small businesses. As a result, they often hire students, or someone with only limited technical knowledge to set up their printers and basic IT needs. In fact, the employees in most “tech support” companies are not trained to a very high level and often are only trained to carry out regular, tier 1-2 support tasks.

Based on our findings, most offices are using basic antivirus and backup solutions for their ‘security’, which is simply not sufficient. Furthermore, a large number are also employing legacy operating systems, such as Windows 7, that have now been discontinued, along with very weak security solutions, most of which have been breached at least once. These data breaches, often involving ransomware, involved an average of 1200+ ePHIs each time. On asking how these breaches had been addressed and remedied, we were told that they had restored the system from their backup and installed new antivirus software. That was it.

The failings in these systems can’t be blamed on the doctors, dentists or business owners. The problems stem from a lack of awareness about the level and type of protection required, along with the need to have affordable access to experts, support and consulting services. Moreover, this is not just about doctors’ offices, as this is only an example; it impacts most other businesses as well, even those within the tech industry.

Without promoting any particular company or product, we would suggest that good basic protection begins with the following:

• Disk encryption
• A good, premium antivirus software
• Reputable email servers that are compliant with today’s standards
• Regular updates and compliant operating systems
• Reputable password managers

We would also advocate the use of an encrypted storage system with cloud backups and, preferably, cloud storage sync that can be accessed securely over the cloud, and which also has backup retention.

To minimize interruptions, it is helpful to have all of the updates happening outside your normal operational hours, and ensure that everything is saved on separate storage devices, and not on individual computers. In addition, it is advisable to always have an extra computer designated as a backup, which can be used daily, just in case one fails. Finally, get into the habit of using secure passwords, and always use multi-factor authentications (MFAs) – preferably not ones sent via email, but through apps or text messages instead.

If you follow these low-cost tips, along with your local and national regulations, you can properly protect your patients’ ePHI, as well as your business.

El Paso, Texas Jan 11, 2023 (Issuewire.com) – Introduction of the artist:

The birth name of emerging American rapper ‘KoviNo’ is Julius Ryan Caldwell but he is popularly and professionally known as KoviNo among his fans. He was born on October 30, 1993, in San Diego, California. Currently, he is stationed in El Paso, Texas. He has appeared on the horizon of American rap music as an independent artist (indie). Additionally, he is also an experienced songwriter and audio engineer.

Life before music:

KoviNo was raised by his single mother and grandmother along with his 2 younger siblings. KoviNo and his family had to go through a lot of hardships. Life truly hit them when his grandmother passed away in 2015, a year after he had already left college where he was studying sound engineering, due to financial hardships. Now he had to manage two jobs simultaneously in order to sustain himself and his family. Life went on and he was recruited into Army in 2016. There he worked for 3 years but he had to leave it 3 years later on medical grounds. It was these hardships that carved a strong person out of KoviNo.

KoviNo is an experienced and professional creative artist who started producing creatively when he was only 10. He started by writing poetry. He was around 13 when he developed an interest in hip-hop. The phase between 2009 – 2013 is considered the beginning of his professional career. During this time, he released a catalog of unheard music to a selected audience. Later on, he went to a college in San Diego where he took music engineer. Due to financial constraints, he had to leave college and work for earning a livelihood for himself and his family. During the time he was in the army (2016-2019), he did not abandon his craze for music and kept up with it. He also built a studio in his barrack where he used to do music during his free hours.

An overview of the music of KoviNo:

KoviNo is a musician whose music is backed by years of practice in doing music and a firm knowledge of sound engineering. He formally launched himself into the music industry in 2020. His launch as a rap musician. Since 2021, he has released an EP named ‘Afterlife’. His music has received a significantly encouraging response from fans and followers.

https://instagram.com/therealkovino

https://Twitter.com/kovino619

https://youtube.com/@kovino

Pune Cantonment, Maharashtra Jan 11, 2023 (Issuewire.com) – Key Highlights:

• The average prices of homes across Pune city have increased by 10.85% in the last 12 months. From an average of Rs. 4,926 per sq. ft. in December 2021 to an all-time high of Rs 5,461 per SF in December 2022.
• There is a rise in prices across the board especially in the new projects where prices have gone up by more than 23% in the last 12 months.
• There has been a clearing of ready and almost ready inventory – currently at 6% of all available units as on Dec 22 which is at a 10-year low.
• For the first time, affordability goes down to 3.71 after more than 8 years of affordability improving every year. Despite increases in interest rates, affordability continues to be strong.
• Inventory available for sale has increased marginally by 0.5%.
• Overall inventory for sale at 72,129 units, is healthy at 23.21% of the total inventory under development (76.79% is sold out).

Gera Developments, the pioneers of real estate business and the award-winning creators of premium residential and commercial projects in Pune, Goa, and Bengaluru, today released the January 2023 edition of their bi-annual report, titled ‘The Gera Pune Residential Realty Report’. It is based on primary and proprietary research conducted by Gera Developments and covers all existing projects in a 30 km radius of the city center. The report is an outcome of the longest-running, census-based study of the residential realty market of Pune.

According to the latest Gera Pune Residential Realty Report for the period June 2022 to December 2022, on the surface, all parameters look very strong. Home prices at an average rate of Rs. 5,461 per sq. ft. are not even 8% above the previous peak of Rs. 5,096 in December 2015. The salary increases over this period have more than compensated for the increase in interest rates. Home prices have seen an increase of 10.85% in 2022. The average rates have increased from Rs. 4,926 per sq. ft. in Dec ’21 to Rs. 5,461 per sq. ft. in Dec ’22. Fresh supply launched in the last six months remains at an elevated level however, compared to the six-monthly period ended Dec ’21, fresh supply has decreased by 22%, and compared to the six-monthly period ended Jun ’22, it has decreased by 13% indicating that new launches are happening at a healthy level but not at the furious pace seen in the past.

Overall inventory for sale is healthy at 72,129 homes i.e., 23.21% of the total inventory under development which is 310,725 homes. This gross inventory number has been reasonably stable since Dec ’15. The replacement ratio is also stable at 0.95. Inventory overhang is at an all-time low of 8.37.

Talking about the findings of The Gera Residential Realty Report January 2023 edition and the latest trends in Pune’s residential real estate market, Mr. Rohit Gera, Managing Director, Gera Developments, said, “The Pune real estate market has had a good 2022 – this is in line with other real estate markets across the country. Rising interest rates have not had much of an impact on the overall market adversely; while some sales may have been affected, the salary increase over this period has more than compensated for the increase in interest rates. The future, however, has greater uncertainty due to macroeconomic and global factors. We see increased global headwinds and layoffs affecting employment in the IT sector. We believe a larger issue in addition to affordability (which at the present time is not a cause for concern), is job security.”

“Regardless of affordability, job insecurity may cause people to put off their decision to make a large purchase like a home. While thus far India seems relatively less affected, and we are being touted as a beacon of hope for the rest of the world, layoffs in the tech sector and a corresponding erosion of sentiment would have an impact on the sales of homes.”

“The introduction of the unified development control rules has led to a substantial increase in the development potential across the Pune Municipal Corporation and Pimpri Chinchwad Municipal Corporation jurisdictions. One of the outcomes of this is the increased sizes of projects.”

He further added, “The big impact of this increased development potential will be seen once the unified DC rules are made applicable in the PMRDA region. The PMRDA has the largest area under its jurisdiction. These areas have lesser development, and the rates are generally lower. Higher densities lead to the greater cost of construction as densification effectively leads to taller buildings, additional parking created in podiums, etc.”

He also underlined the increase in the cost of construction for developers and said, “The increased densification will therefore lead to an increased cost of construction as well as potentially increased supply. Thus far, supply is running in tandem with demand and hence the market continues to be buoyant. On the surface of it, things look very good. Time will tell which, whether job security and oversupply, take the market down.”

Here are the key highlights of The Gera Pune Residential Reality report, encompassing trends from July 2022 to December 2022:

# New launches rise by 17% on an annual level

The supply squeeze that was prevalent in the Pune residential real estate space during both COVID phases has led to developers launching new units to meet the demand for residential real estate. Fresh supply launched in the last 6 months remains at an elevated level however, compared to the six-monthly period ended Dec ’21, fresh supply has decreased by 22% and compared to the six-monthly period Jun ’22, it has decreased by 13% indicating that new launches are happening at a healthy level.

At an annual level, new launches have grown by ~17% i.e 102,332 homes were launched in the last 12 months compared to the growth rate of 49% from 2020 to 2021 again underlining the fact that growth rates are normalizing as the market reverts to sustainable levels.

However, if the last 12 months are any indication, the new launch pipeline remains strong and operational metrics like the replacement ratio and inventory overhang don’t point to any red flags in the near term.

# Inventory available for sale increases marginally by 0.5%

The current inventory available for sale at 72,129 homes is classified into 4 stages based on construction status. i.e., Early, Mid, End, and Ready. Early-stage inventory constitutes ~31% of all available units for sale as on Dec ’22. The early-stage inventory, at ~30% a year ago, has roughly remained at the same levels.

The reduction in the number of apartments Is the most in the early-stage projects which at peak add 45,000 homes available for sale has come down to approximately 23,000 homes currently.

# Luxury seeing a +71% growth and PremiumPlus seeing a +21% growth in new homes being added

Looking at the last 12 months of new launches by price segments, the trend of Luxury (Prices Rs 8,261+ per sq. ft.) and PremiumPlus (Prices between Rs 6,610 per sq. ft. and Rs 8,261 per sq. ft.) seeing growth continues with Luxury seeing a +71% growth and PremiumPlus seeing a +21% growth compared to last year. The Budget (<Rs 4,406 per sq. ft.) segment has also picked up steam clocking a 31% growth albeit on a lower base. While on an overall basis and compared to last year, new launches across the market have shown a growth of 17%, the Value (Rs 4,407 per sq. ft. to 5,507 per sq. ft.) & Premium (Rs 5,508 per sq. ft. to 6,609 per sq. ft.) segments have been laggards showing a muted growth of 2% and 9% respectively.

# Sales have increased by 11% on a yearly level

Comparing sales velocity in H2 2021 to H2 2022, there is a 4% decrease in offtake (from 52,227 units to 50,036 units). Sequentially (compared to H1 2022) the offtake has dropped by 7%. However, Volume remains comfortable above 50,000 units for the last 3 to six monthly periods indicating no red flags. As was the case with new launches – the single-digit degrowth is attributable to the markets becoming more normalized and sustainable.

The Budget and Value segment continues to lose favour with customers – both these segments have decreased by -11% and -19% – while Premium, PremiumPlus and Luxury segments continue to find favour displaying positive growth. In the PremiumPlus segment growth is marginal while the Premium and Luxury segments have high double-digit growth of 15% & 29%. Clearly, the Budget and Value segment is the one pulling down the sales growth rate while the other segments remain unaffected.

# Market continues its trend toward larger projects

The number of large projects (those with more than 500 units) as on Dec ’22 is 167. This number has increased from 123 projects in Dec ’18 to 167 now. In Dec ’18, these 123 projects constituted 3.5% out of the total of 3,525 projects being developed. In Jun ’22, 167 projects constituted 7% out of the total of 2,509 projects being developed.

# Affordability reduces for the first time to 3.71x annual income after more than 8 years

Homes have become less affordable however, on an overall basis, affordability continues to be very strong at 3.71x annual income. Over time interest rates have decreased, while incomes have risen thereby increasing affordability significantly. However, this cycle may have bottomed out with home prices as well as interest rates rising significantly. Input costs for developers have forced developers to raise prices. Increasing interest rates and inflation get the home buyer less per rupee, and hence the affordability equation though still healthy can still create headwinds for developers.

As per the report, in Jun ’11, the salary needed to buy a 1,000 sq. ft. home was 4.83 times the cost of the home. This peaked in Dec ’14 when the salary needed to buy the same 1,000 sq. ft. house at the increased salary and increased rates were 5.27 times. Since Dec ’14, the consistent reduction in interest rates and home prices along with the salary increments have led to a situation where the house cost for a 1,000 sq. ft home is now at 3.71 times the salary. However, affordability has decreased compared to Dec ’21 from 3.56 to 3.71 primarily due to the combined increase in interest rates from 7.7% in Dec ’21 to 9.6% in Dec ’22 and prices from Rs 4,926 per sq. ft. to Rs 5,461 per sq. ft.

After witnessing furious growth in the past in terms of sales and new launches – markets have streamlined at sustainable levels. Prices have increased by 10.85% across all projects over the last 12 months. While yearly growth in offtake and new launches remains at healthy levels – on a six-monthly basis both offtake and new launches have decreased by -4% and -22%. Higher sizes continue to do well in terms of offtake and find favour with customers. The replacement ratio is 0.95 indicating that demand is greater than supply while inventory overhang is <9 months reiterating the fact that market fundamentals remain strong in the near to medium term.

About the Gera Pune Residential Realty Report:

The Gera Pune Residential Realty Report is a bi-annual initiative by Gera Developments that is aimed at garnering insights on both the supply and demand sides of the residential realty market in Pune. This longest-running, the census-based study uses a feet-on-street methodology of data gathering and covers the Pune Urban Agglomeration area. The data is then validated and statistically analyzed. What started as a knowledge-gathering initiative in 2011 has now become something that realtors, IPCs, Research Houses, Brokerage Houses, and Banks & Financial Institutions look forward to. Besides a broad overview of inventory available, offtakes and prices, the report dives deeper to mine insights by price segment, sq. footage, construction stage, and size of the unit.

About Gera Developments:

Gera, a reputed brand for over 50 years, one of the pioneers of the real estate business in Pune, is recognized as the creator of premium residential and commercial projects in Pune, Goa, and Bengaluru and has its global presence through developments in California, USA.

Gera prides itself on providing long-term enjoyment to customers by having a distinct ‘customer-first approach. The philosophy of Gera is “Let’s Outdo,” which rests on the trinity of innovation, transparency, and enhancing customer experience. It is at the heart of Gera’s effort to infuse innovation and transparency in real estate and home building, with an unwavering focus on meeting the shifting lifestyle dynamics of their customers while upholding the premium living experience. Accordingly, there are many ‘firsts’ that stand to Gera’s credit.

The company introduced a 5-Year Warranty on Real Estate consisting of Preventive Maintenance & Repairs and provision of Insurance for buildings way back in 2004 for the first time in India. RERA mandated the same only in 2017. And GDPL has now introduced India’s first & only 7-year warranty in real estate. It has designed and launched the pathbreaking concept, the award-winning ChildCentric(R) Homes, which has revolutionised the real estate sector for both the developer and the home buyer. Other revolutionary and highly successful product lines have been IntelliplexesTM, SkyVillasTM, and The Imperium series. In its 50th Year, the company has launched yet another first-of-its-kind industry initiative – Gera’s Home Equity Power by providing financial flexibility to customers to withdraw funds from their prior payments to meet financial emergencies.

These products are matched by the services of the GeraWorld(R) Mobile App, which brings speed, convenience, and transparency to the buyer and enhances the customer experience. Gera has also recently launched the Club Outdo initiative, a tech-driven loyalty, and referral program that provides multiple benefits, offers, and community engagement opportunities to existing and new customers.

The company emphasizes delivering value-added experiences to customers and is driven by trust, quality, customer first, and innovation. The projects are designed around the evolving needs of their customers. The company has won several national and international awards on both the product and service front. GDPL also continues to be certified as ‘India’s Great Mid-Size Workplaces’ by the Great Places to Work (GPTW) Institute for the fifth straight year in a row. GDPL has also ranked #18 on the list of Best Small and Medium Companies to Work for in Asia in 2021.

Gera envisions bringing out the best of real estate in India. As it redefines new standards of service orientation, product innovation, real estate marketing, and brand building, it is consistently generating fresh value for its stakeholders and raising the bar for the industry

San Rafael, California Jan 10, 2023 (Issuewire.com) – The National Alopecia Areata Foundation (NAAF) is proud to announce that as of this month, Dr. Brett King is joining its Board of Directors. Recently named an American Academy of Dermatology Patient Care Hero, Dr. King is an associate professor of dermatology at Yale School of Medicine. Since 2014, when he announced the successful use of a Janus kinase (JAK) inhibitor to grow hair on a patient with alopecia areata (AA), Dr. King has been a luminary in both the patient and research communities. Dr. King pioneered the use of JAK inhibitors in dermatology, and his work revealed the utility of this class of medicines for the treatment of AA in addition to other conditions. This work paved the way for the development of the first reliably effective therapies for AA.

“We are so fortunate and pleased to have Dr. King joining the Board,” says NAAF President & CEO, Nicole Friedland. “Dr. King’s input and expertise will be invaluable as we enter this era of new treatment choices for our community.”

Dr. King has been a featured speaker at NAAF’s patient conferences and webinars and serves on NAAF’s Research Advisory Council and Medical and Scientific Task Force.

Dr. King remarks, “I am so happy to join the NAAF board and look forward to working together to elevate the voices of those living with alopecia areata and their families and to forge effective collaborations that serve this community.”

Dr. King received his B.A. at the University of California at Santa Cruz, his Ph.D. from Stanford University, and his M.D. from Yale University School of Medicine. He completed his medical internship at Massachusetts General Hospital and dermatology residency at Yale University School of Medicine.

About NAAF

The National Alopecia Areata Foundation (NAAF) supports research to find a cure or acceptable treatment for alopecia areata, supports those with the disease, and educates the public about alopecia areata. Alopecia areata is a common autoimmune disease affecting nearly 7 million Americans that results in total or partial loss of scalp and body hair. Founded in 1981 and headquartered in San Rafael, CA, NAAF is widely regarded as the largest alopecia areata advocacy organization in the US. NAAF connects with more than 73,000 members of the alopecia areata community, including patients, family members, healthcare providers, and researchers through its support programs, email newsletters, website, research summits, and annual patient conferences. NAAF is a 501 (c) 3 nonprofit and a GuideStar Gold-Rated charity and meets the rigorous standards of the Better Business Bureau Wise Giving Alliance and the National Health Council. For more information, please visit www.naaf.org, email info@naaf.org, or connect with NAAF on Facebook, Twitter, Instagram, and LinkedIn.

Media Contact

Gary Sherwood

gary@naaf.org

707-304-2388