### Report on Trends in the MLM (Multi-Level Marketing) Business Model

#### Introduction
Multi-Level Marketing (MLM) is a business model that relies on a network of independent distributors to sell products and recruit new members.

While some MLMs operate ethically, others have been criticized for resembling "commercial cults" due to their aggressive recruitment tactics and psychological manipulation.

This report examines recent trends in the MLM industry, including the performance of specific companies, factors influencing their popularity, and shifts in business models.

#### Recent Trends in MLM Popularity

1.

**Pandemic Surge (2020-2021)**
   - **Increased Interest**: The onset of the COVID-19 pandemic led to a surge in interest in MLMs.

With widespread job losses and economic uncertainty, many individuals sought alternative income sources.

MLMs, with their promise of flexible work and entrepreneurial opportunities, attracted a significant number of new recruits.

- **Digital Recruitment**: The shift to online

### Report on Trends in the MLM (Multi-Level Marketing) Business Model

#### Introduction
Multi-Level Marketing (MLM) is a business model that relies on a network of independent distributors to sell products and recruit new members.

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Content: Introduction to ERP systems in the world after COVID
The COVID-19 pandemic has had a significant impact on the global economy and business practices.
As a result, enterprise resource planning (ERP) systems had to adapt to the new challenges and requirements that emerged during this turbulent period.
ERP solutions are designed to integrate various business processes (such as financial, personnel, supply chain and customer relationship management) into a single software platform that allows organizations to optimize their activities, reduce complexity and increase transparency.
In the post-COVID world, several factors have made ERP systems even more important for business.
Remote work has become the norm, digital transformation has accelerated, and companies are faced with the need to optimize supply chains and inventory management.
ERP has evolved rapidly in response to these challenges, and new trends and innovations have driven changes in the industry.
Problems encountered by ERP systems during the pandemic
The COVID-19 pandemic has forced organizations to reassess their ERP systems and identify areas for improvement.
The main problems encountered during this period include:
• Remote work: Due to the dramatic shift to remote work, companies have had to implement digital tools and collaboration platforms to maintain productivity.
Traditional on-premises ERP systems may not provide the necessary flexibility and accessibility for remote teams, which has led companies to look for cloud and mobile solutions.
Accelerated Digital Transformation: When companies were in a hurry to adapt to new conditions, the need for digital transformation became inevitable.
ERP systems played a central role in modernizing processes, and keeping up with them required upgrades and integration with other technologies.
Supply Chain Disruptions: The pandemic exposed vulnerabilities in global supply chains, making it necessary for companies to have powerful and flexible ERP systems capable of coping with unexpected disruptions.
New strategies such as reshoring and short-range shoring have required ERP systems to adapt quickly to changing supplier networks and demand patterns.
• Financial stress: The economic impact of the pandemic has increased financial pressure on organizations.
As a result, enterprises had to carefully analyze their ERP systems, ensuring efficient resource allocation and cost control.
The introduction of flexible and scalable ERP solutions became a priority as companies sought to optimize their operations in the face of uncertainty.
Trends that determine the evolution of ERP systems
The challenges posed by the COVID-19 pandemic have been the driving force behind several key ERP trends.
These trends are shaping the future of ERP systems, allowing businesses to overcome obstacles and take advantage of new opportunities:
Cloud solutions: Cloud ERP solutions have gained significant traction during the pandemic as they provide flexibility, scalability and remote access.
They allow teams to access data and collaborate from anywhere, making them an increasingly popular choice for today ’ s distributed workforce.
Artificial intelligence and machine learning: Artificial intelligence and machine learning are rapidly becoming an integral part of ERP systems.
Using huge amounts of data and analyzing patterns, these technologies provide valuable insights and predictions that help companies make informed decisions and improve processes.
In addition, AI-based automation allows you to optimize time-consuming tasks, providing increased efficiency and cost savings.
• Mobile accessibility: As remote work continues to permeate the post-COVID world, mobile accessibility has become a critical component of ERP systems.
By providing employees with the ability to access data and perform tasks from mobile devices, companies can ensure seamless collaboration and communication regardless of the location of employees.
• Industry Solutions: Businesses increasingly need industry-specific ERP solutions to meet their unique requirements and challenges.
Individual ERP systems provide specialized functionality and in-depth knowledge, allowing organizations to optimize their activities and achieve competitive advantages.
• Integration with other business systems: In order to thrive in a post-COVID environment, companies need to harness the full potential of their technology stack.
Seamless integration of ERP systems with other tools such as CRM, HR, and project management solutions is critical to improving efficiency and aligning processes in an organization.
Companies are increasingly looking for ERP systems that support interoperability and easily connect to other important systems.
Opportunities for ERP solutions in the world after the implementation of COVID
PostCOVID opens up great opportunities for ERP solutions that help companies thrive in an ever-changing environment.
As organizations continue to embrace digital transformation and remote work, the demand for effective, integrated and data-driven solutions is higher than ever.
Here are some key features of ERP solutions in the post-COVID environment:
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Improving the effectiveness of remote cooperation and communications
As remote work becomes more common, ERP solutions adapted for dispersed teams can bridge the gap between employees located in different geographical locations.
Providing convenient access to centralized data in real time and means of interaction, ERP systems allow employees to stay connected and make informed decisions even when working remotely.
In addition, the integration of communication and collaboration allows you to optimize work processes and increase productivity.
Better decision-making through data analysis
Data analysis helps companies identify trends, optimize processes and make more effective strategic decisions, which ultimately increases their competitiveness and sustainability.
Advanced ERP solutions allow the use of artificial intelligence (AI) and machine learning methods to analyze large amounts of data, identify anomalies and obtain critical information to make accurate decisions.
Increasing the level of automation and optimization
Automation of routine tasks and workflows is one of the key advantages of many ERP systems.
In a post-COVID environment, businesses are looking for ways to increase efficiency, reduce operating costs and increase flexibility.
ERP solutions that implement advanced technologies such as artificial intelligence, robotic process automation (RPA) and the Internet of Things (IoT) can help organizations achieve their automation goals while maintaining a high level of accuracy and control.
Supply Chain Strengthening and Inventory Management
During the pandemic, supply chain disruptions have highlighted the importance of sustainable and adaptable supply chain solutions.
ERP systems built after the epidemic should have advanced capabilities for supply chain and inventory management, allowing businesses to track and monitor inventory levels in real time, reduce losses, quickly identify and respond to possible bottlenecks and disruptions.
Increased focus on industry-specific ERP solutions
Industry ERP solutions provide enterprises with customized capabilities that meet the unique needs and demands of their industry.
In ERP systems created after the introduction of COSWID, special attention should be paid to customization to provide targeted functionality that meets the specific requirements of various industries.
How AppMaster Can Help You Build Custom ERP Systems
AppMaster is a powerful no-code platform that helps businesses build customized ERP systems that meet their specific needs and requirements, while reducing development time and costs.
The AppMaster platform has numerous advantages for companies wishing to create their own ERP system:
Acceleration of development with no-code
The AppMaster no-code platform enables rapid development, allowing businesses to quickly create and implement ERP solutions.
By using AppMaster ’ s user-friendly interface to develop, test, and deploy ERP applications, organizations can save time and resources that are typically spent hiring developers or external vendors.
Development of specialized industry-specific ERP solutions
AppMaster allows you to develop industry-specific ERP solutions by providing a flexible platform that is easily customizable to meet the unique needs and requirements of individual businesses.
With AppMaster, organizations can create custom modules, workflows, and integrations that meet the specific requirements of their industry.
Reduced costs and increased control
Creating an ERP system based on AppMaster allows you to significantly reduce development costs compared to traditional coding methods.
In addition, the use of the AppMaster platform provides greater control over the settings, allowing enterprises to refine the ERP system to meet their specific requirements without requiring in-depth coding knowledge.
Eliminating technical debt through regeneration
AppMaster Eliminates technical debt by regenerating applications from scratch every time requirements change.
This allows you to maintain the relevance, efficiency and absence of problems that may arise as a result of using outdated or unused code.
CONCLUSION
The post-COVID world presents many challenges and opportunities for businesses, and ERP systems play an important role in adapting organizations to new environments.
Through digital transformation and the use of advanced technologies, ERP solutions can be better equipped for remote interaction, improved decision-making, increased automation and supply chain management.
no-code With AppMaster, companies can quickly and cost-effectively build industry-specific ERP systems that meet their unique needs, drive growth and sustainability in a post-COVID environment.
AppMaster is a powerful and flexible solution that will help your organization stay ahead in the ever-changing business industry.

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SPIEF-2022.
Advertising needs innovation
Data and opinions confirming this were voiced at the anniversary SPIEF within the framework of the session “Innovations in advertising technologies.
"Brands 3.0".
Russian business expects that new solutions and tools will allow it to reach the consumer more efficiently and with less cost.
Experts and leading players of the advertising industry discussed what innovations today allow you to work more clearly with the target audience, analyze the effectiveness of tools more deeply and influence the effectiveness of marketing campaigns.
At the same time, there is something that can be applied here and now, but in venture capital, albeit very promising, now it has become more difficult to go.
Photo by Roscongress Roscongress
Advertising market in anticipation of new technological solutions.
A joint study by MEDIA1 and ACAR supported this claim.
Its results were presented at the SPIEF-2022 session by Ruben Hovhannisyan, Director for Digital Transformation and Strategic Marketing of MEDIA1 (combining channels: MUZ-TV, Yu, Channel, outdoor advertising operator Gallery and the largest regional radio holding Vybori Radio).
According to the data, 52% of advertisers surveyed consider optimization of advertising budgets and reduction of marketing costs as the key task of today.
More than 60% of respondents see the need for clearer targeting and reduction of advertising “spam ”.
53% already use innovative technologies in solving marketing problems.
Some respondents noted the need for effective innovative tools for direct communication with the consumer and the formation of metaverse.
According to the study, 40% believe in technological progress, which makes it possible to increase the efficiency of doing business and, in general, becomes a driver of social development.
In short, the advertising market is ready for the emergence and implementation of innovations.
But at the same time, most of the wishes are associated with the optimization of those processes that are already there (purchases, targeting, verification) and to a lesser extent with the fact that it requires more serious investments in diptech (meta universes, automation of creation of creatives, integration into the game space, etc.).
SPIEF Session “Innovations in Advertising Technologies.
Brands 3.0 ” became a place of discussion for experts of the advertising market, top managers of the largest digital platforms, telecom companies, big-data providers.
They are the key players in the advertising market and determine what innovations to release on the market in the next 5 years.
And we are talking not only about the widely discussed metaverse, nft, avatars, but also about machine learning, the Internet of Things, rights protection, the delivery and monetization of audiovisual content, automated content creation and the active introduction of artificial intelligence.
According to the vice president, executive director of the cluster of information technologies, one of the important skills of advertising specialists is the ability to look at processes wider.
“We provide innovation to consumers in different industries.
One of the interesting observations: changes are born at the border of the advertising business and the production of technologies.
Important trends are increasingly being born outside of framework thinking. ”
Parshin cited a number of projects as an example.
One of them is the Neurotrend laboratory, which detects the neurophysiological reactions of respondents in the course of research and comprehensive assessment of the perception of content (sounds, videos, fragrances).
Another example is the NFT digital face marketplace Digital Verse with its own video synthesis platform, through which users can replace faces with their videos and generate entertainment content.
An important observation, with which the majority of the discussion participants agreed: it is in the advertising market of the Russian Federation that it does not demonstrate a technological lag.
Director of advertising business "Beeline" cited as an example the segment of programmatic marketing, in which many Russian companies have been working for ten years.
“For us now is not relevant, as for other industries, the issue of import substitution.
We are working on Russian software, moreover, with the departure of foreign players, we even won, ” Lazarev said.
According to him, the large amounts of data that telecom, e-commers, banks and social networks have today allow us to go into new niches.
One of the important tasks is to evaluate advertising for which there is customer demand.
Large international companies that owned anti-fraud technology left the Russian market, and a domestic product that solves this problem should appear in the near future.
In general, according to the participants of the session, the advertising market today is changing so rapidly that it often overtakes the ideas of advertisers about a particular tool.
Marina Surygina, Director of Digital Strategy and Marketing at Gallery (MEDIA1), noted that many advertisers still oppose outdoor advertising to the digital world, but the reality is that modern OOH surfaces are an absolutely digital advertising tool that is embedded in end-to-end analytics and shows excellent results.
“With each design, about half a million anonymized user data is collected per day, ” Surygina stressed. –“ These data can not only be used here and now, they can still be “flagged ” with a large number of our partners.
Today, among our partners are VK and Beeline.
We sell products based on user data because the advertising market demands it. ”
Today ’ s outdoor advertising opportunities, according to Surygina, looked fantastic five years ago.
For one campaign, you can run hundreds of creatives, outdoor can be integrated into omnichannel campaigns, target advertising messages and receive transparent performance data.
One example of this, according to Ruben Hovhannisyan, is an experimental campaign to promote the telegram channel “MUZ-TV ” through outdoor advertising, which is being conducted right now by the department of digital transformation“ MEDIA1 ”.
The main news of the show business from the Telegram page are broadcast in real time on the digital constructions of the Gallery throughout the country.
In the future, with the help of mac addresses on the segmet of those who saw this message, the second touch works already through the classic Internet promotion.
“Thus, we see how outdoor advertising is perfomite, we do analytics and compare the conversion to a subscription to the TG channel among those who have seen and have not seen advertising on the boards.
This experiment will open up a number of additional opportunities for customers of all resources of the group of companies and especially Gallery, ” Hovhannisyan stressed.
An important trend, which appeared precisely due to more accurate work with data, is the arrival in the outdoor advertising segment of medium and small businesses.
SMEs this year have lost some of the usual promotion tools, and outdoor advertising effectively replenishes them in terms of attracting customers and promoting companies.
VDOOH and GETRADIO solutions, which are platforms for advertising opportunities in outdoor advertising and on the radio, have become popular in this context.
Television is gradually becoming a digital tool.
This trend was told by the head of media analytics “Sberbank ” Georgy Epifanov.
According to him, television has always been perceived as a media focused primarily on increasing product recognition.
In advertising campaigns, he was given the role of a supporting channel to increase the conversion of performance instruments.
But now television has new techniques of interaction with the audience.
In particular, today artificial intelligence is used to determine the context of the ether and embedding the corresponding advertising message in it.
According to Epifanov, the use of these technologies gives a planned number of conversions, which is correlated with similar performance tools of digital marketing.
It is convenient for marketers to calculate the effectiveness and monitor the progress of the campaign.
By the way, the issue of convenience of tools for marketers became one of the important ones during the discussion.
Advertising platforms are rapidly evolving: interfaces are simplified, functionality, on the contrary, becomes more complex, settings are more accurate.
“The marketer needs to be more precise, closer to his client, ” said VK ’ s commercial director,“ Personalized communication with the consumer today comes to the fore.
This is quite a costly and time-consuming process, and so that it does not take away from marketers all the working time, product developers have to make a lot of effort.
At the end of last year, VK launched the VK Customer Experience Hub, which allows you to work with serious amounts of data inside a large social network more efficiently and faster. ”
The final part of the discussion was devoted to the marketing of the future.
We talked about cryptocurrencies, as well as the prospects of using NFT and 5G.
According to Konstantin Parshin, these technologies have already de facto entered life.
As for the more distant planning horizons, the expectations of marketers are related to AR and VR technologies.
The integration of advertising equipment into virtual worlds, according to the expert, will become one of the key trends.
Leaving it without attention is definitely not worth it.
In the OOH advertising segment, we are waiting for creatives created with the help of drones, and then with the help of a microsatellite.
Ruben Hovhannisyan, in turn, drew attention to the importance of investments that can create breakthrough advertising technologies.
The problem is that the existing players are mainly focused on improving existing tools: improving targeting accuracy, optimizing purchases.
It is important to develop them, but if at the same time you lose sight of innovations, then the Russian Federation will always only catch up with technological leaders.
According to Hovhannisyan, the research of MEDIA1 and ACAR shows that advertisers are not quite ready for the emergence of the technology of automatic generation of creatives using artificial intelligence and neuromarketing.
And Western companies are already fully engaged in these areas.
In the Russian market, such developments are also in the stage of ready MVP.
According to Oganesyan, they must be used already now.
It is worth investing in, perhaps with state support.
We have a good chance not to catch up, but to be the first, if not miss.
Such developments already have time.
And examples of products from Skolkovo are a clear confirmation.
If you only repair a leaking roof all the time, then there is little chance of ever building a new house.
Summing up, the participants agreed that today we need a balance between current technologies and venture capital, and it is important not only to look at current trends.
It is necessary to test new tools in order to make mistakes often, as inexpensively as possible, to develop due to this and to reach a new technological level.

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Academic / Internet resources become a self-learning artifact
In the fast-paced digital era of efficiency, the educational environment and methods have undergone major changes, and the online learning platform has almost jumped into the protagonist. The growth process from small to large is almost inseparable from the online learning resources, and it is important to choose the right learning platform.
Many of the most popular online learning websites, applications, and other tools can be collectively referred to as “Learning Management System ” (LMS).
Using Google search engine to type LMS, e Learning platform, e Learning website or e Learning app these keywords related to online learning resources, there will inevitably be a huge number of query results; countless websites recommend good websites and good programs, and the list of recommendations is mostly different, making people confused and overwhelmed.
Choosing online learning resources is like searching in the vast ocean, it is not easy.
In the face of a large number of choices, it is a good way to follow the results of credible and authoritative media reviews.
Before viewing the results of the authoritative media, you may wish to grasp the principles of selection.
Linked In provides a comprehensive guide to help you navigate through the platforms recommended by authoritative media and choose a learning platform that suits your needs.
Guide 1: Define learning goals.
First determine whether the goal is to gain new skills, research data, improve common sense, or have another goal?
Guideline 2: Determine the age and degree of the user.
Guideline 3: Check if the content of the learning platform and the curriculum are rich enough, it is best to be able to customize the content according to your own needs.
Guideline 4: Make sure the interface is easy to operate, should be able to meet intuitive needs, easy to query access, and track learning progress.
Guideline 5: Try to be interactive and engaged, should have quizzes, forums, real-time online discussion, peer collaboration, etc., to increase fun and improve efficiency.
Guideline 6: Strive for compatibility; preferably compatible with smartphones and tablets from different operating systems, so as not to replace hardware to use a particular learning platform.
Guideline 7: Make sure you have progress tracking and analysis to help self-motivate and improve efficiency.
Guideline 8: Ensure that the network platform or program has good support and customer service to respond to customer needs and solve problems in real time.
Guideline 9: Pricing is reasonable and scalable.
It is best to choose the free platform first and provide advanced learning resources based on user progress, so as not to constantly change the platform.
Guideline 10: Ensure security and privacy.
You can view the privacy policy description.
Guide 11: Check user reviews and recommendations from multiple sources to understand the advantages and disadvantages of each platform.
Guideline 12: Understand the trial period requirements, if you ultimately have to pay more to grasp the trial period; if the fee is high but do not provide a trial, it is advisable to think twice.
Guideline 13: Ensure that the platform keeps up with the latest technology and industry trends.
Guideline 14: Ensure ownership of content; be sure to check whether platforms have restrictions on the use of content.
Children who are educated in the United States are better suited to their needs using platforms or programs recommended by local authoritative media in the United States.
Technology professional media "PC Magazine" (PC Magazine), professional social networking site LinkedIn (LinkedIn), news media "Business Insider" (Business Insider) three organizations to evaluate the network learning platform, each recommended list.
Among them, Khan Academy, a free learning platform, and Starfall, an elementary school reading and math learning website, were included in the "PC Magazine" and LinkedIn's recommendation list; and ABCmouse.com, an interactive learning platform, was promoted by both LinkedIn and Business Insider.
PCMag ’ s Top 15 Online Learning for Children
PCMag is a New York City-based digital media and networking specialist company, Ziff Davis Inc., published in print from February 3, 1982 to January 2009, and online in late 1994.
PCMag often evaluates technology products and services, including hardware and software.
For the best learning websites, PCMag targets educational platforms for children aged 3 to 18 years old, and selects from a large number of resources sites that provide specific academic help, encourage young people to explore educational topics of interest, or teach basic concepts and early learning skills to young children, mainly in conjunction with the U.S. education system.
The evaluation results were announced in early January this year, according to the nature of the selection of the 15 best online learning platform for children, ranging from 5 to 17 years old.
• Brainscape: Best Word Card App for Teens (Suitable for: Age 12 or older; Free & Paid)
Brainscape pre-installs outstanding learning content for secondary and higher education, such as Advanced Placement (AP) packages, and more.
There are two free and paid options, the paid plan costs $19.99 a month, and you can create a learning kit according to your level. Although the main appeal is to older children, there are also content suitable for younger students, such as sight reading cards.
• CoolMath: Best Math Learning Site for Middle and High Schools (For ages 13 and older, free of charge)
This free learning site explains the concepts of elementary algebra, algebra and elementary calculus in ways that students may never have experienced before; by re-learning, older children are likely to understand the concepts of mathematics that they once did not understand and learn better in the future.
CoolMath4Kids: The Best Math Learning Site for Kids (For Under 12 Years, Free)
The CoolMath team also developed CoolMath4kids for younger children to learn more basic math concepts, including addition, subtraction, multiplication, division and fractions, and more interactive, providing games, brain twists and quizzes.
• DOGOnews: Best children ’ s news site (ages 7-17, free)
You can read age-appropriate news on this site, with timely content covering current affairs, science, the environment, citizenship and other topics, all written in a way that young people can understand; currently available in English and Spanish.
• Funbrain: Best Exploratory Learning Site (ages 5-14, free)
Explore topics of interest through reading and interactive content, or practice mathematical concepts by playing games; it ’ s better to engage in repetitive exercises to stimulate curiosity.
However, the PCMag team cautioned that the quality of games on the site is sometimes good and sometimes bad, and some educational values are limited.
• Khan Academy: Best Free Courses (For ages 5 and older, free of charge)
This learning site is like a virtual classroom for subject practice, covering mathematics, science, computing, economics, life skills, history, reading and language. It has been one of the most popular learning sites for many years, helping students of all ages learn everything from voice to personal finance.
The learning mode is mainly watching videos and quizzes.
Considering that children under the age of 7 may experience difficulties accessing the website, Khan Academy Kids has a simple virtual classroom for young children to use lessons and game resources through an easy-to-use mobile app.
Monterey Bay Aquarium Learning at Home: Best Nature Discovery Site (ages 5-17, free)
The website has a “Learning at Home ” section, which offers online courses and activities on marine animals, ecosystems, marine conservation and other related topics, in English and Spanish, and online courses can be viewed by grade, as well as craft products, short readings on various species of animals and plants, and suggestions for parent-led activities.
• National Geographic Kids: Best Animal, History, Science and Space Learning Sites (ages 5-16, free)
This is National Geographic ’ s children ’ s website offering educational articles, videos, and quizzes for young people on a variety of topics including animals, history, science, and space.
It ’ s not as interactive as many other websites, but it ’ s a good place to search for current articles. For example, if you want to know the origin of the “Juneteenth ” of emancipation, there is content that is suitable for children, and the content is centered in the United States.
• PBSLearningMedia: Best Interactive Learning Platform (ages 5-17, free)
Rich content for independent exploration by students who are able to use computers without supervision; primarily through videos and interactive courses, users learn arts, social studies, health and physical education, science, mathematics, engineering and other subjects.
If you have children between 2 and 5 years old, you can use PBS Kids for kids to find more programs and interactive content for kids.
• Quizlet: Best Learning Accessibility Platform (For ages 8 and older, Basic Edition is free, Hardcover Edition costs $7.99 per month or $35.99 per year)
Quizlet started as a swipe app, but has since evolved into a platform for young people to provide games, quizzes, and other learning and repetitions. With Quizlet, you can create a kit of materials to practice as needed, and you can search for what others upload and share.
The basic free version only provides limited content and interaction, while the paid version can unlock almost all content, and some learning platforms shared by professional organizations require additional fees.
Scholastic Kids: the best reading site for children aged 10 and under (ages 5-11, free)
Provide children with a wealth of educational reading materials, you can find a variety of short educational articles, so that children who are curious about flying cars, genetics, animals, geography and other topics can get a glimpse; the website is clearly designed to find articles suitable for children ’ s learners by grade.
• Sesame Street and Sesamo: the best learning website for children under 5 years old (for ages 2-5, free of charge)
Children aged 2 to 5 can use this interactive website to play games, watch videos, create art, etc. The educational philosophy is to learn how to follow instructions, develop motor skills, and recognize basic shapes.
• Starfall: Best reading and math learning site for elementary schools (ages 5-9, $35 per year for Home members, some content is free)
Help children learn to read, practice simple math, interactive, quite attractive; some basic content is completely free, if you want to enjoy all the content on the website, you have to pay an annual fee to join the membership.
If you are a staff member, you can share an account with the entire school for $355 per year. Check if the school can get the login information and use it fully.
TED-ED: Best Educational Video Website (For Mature Kids, Free)
This is the website of TED, a non-profit organization that often hosts forums, where you can find short educational videos on a variety of topics, such as how masks prevent the spread of disease, HIV / AIDS and contraceptive condoms, suitable for older children with sufficient understanding.
• TIME for Kids: Best Vocabulary Learning Site (free of charge for basic content)
TIME Magazine, founded in 1923, has a history of 101 years. It is a popular news magazine. It has a learning website in response to the Internet age. Time for Kids provides short articles for children. It is a popular topic of attention today. It has large photos, which are both fun and educational. You can read the text while listening to the sound, let the child focus.
The age group of this website is divided into kindergarten to first grade (k-1), second grade, third to fourth grade, and fifth to sixth grade. The number of articles is gradually increasing.
For example, the topic of the article published on March 15, 2024 is “TikTok in Trouble ”, mentioning that the US House of Representatives passed a bill requiring Beijing-based ByteDance to sell the short video sharing platform TikTok within six months, or ban it.
There are also "work" topics, which introduce various occupations in different ways for different ages, so that children can search for their aspirations early.
The site also has interactive features, such as word lookup to help young learners expand their vocabulary, sign up for members to search for future careers, and children can write book reviews and publish insights on health, exercise, protectionism, and more.
In addition, the website has a "TFK Kid of the Week" section to solicit readers to provide inspiring children everywhere; for example, on February 29, 2024, the main character is Thomas Lee, an Asian boy from Boston, Massachusetts, recommended by the non-profit organization Harvard Homeless Mission, which cares for the homeless. At present, 600 care kits have been given out to homeless people on the streets.
The website is available in English and Spanish.
Article reading is free, some interactive services require registration as a member.
Linkedin Recommended Learning Programs and Platforms
The world ’ s leading professional social networking site reviews the results of a number of credible institutions and lists the top 10 best online learning programs and platforms for children.
• Starfall (both free and paid versions)
Https: / / www.starfall.com / h /
There are both free and paid versions, and the free version is excellent, with access to many useful resources, while the paid version offers advanced art courses to help children master math and social science skills.
Teach Your Monster to Read
https: / / www.teachyourmonster.org /? trk = article-ssr-frontend-pulse _ little-text-block
Won many awards.
With friendly monsters, fun design, and extraordinary storytelling, we bring together top scholars to create beautiful and fun games to teach and enjoy.
You need to register to open an account, and you need to log in each use.
• Lingo Kids (ages 2 to 8)
https: / / lingokids.com /? trk = article-ssr-frontend-pulse _ little-text-block
It covers English, Mathematics, Science, Engineering and Technology, and has free basic and paid versions. You can try it for free before you pay. Email is required.
• Duolingo
https: / / www.duolingo.com /? trk = article-ssr-frontend-pulse _ little-text-block
PC Magazine Editors' Choice for Language Learning offers a variety of courses for visual learners, where children can earn badges for learning more words and other achievements.
Covers multiple languages, including English, Spanish, French, German, Portuguese, Italian and more.
• Khan Academy (For ages 2 to 8)
https: / / www.khanacademy.org /? trk = article-ssr-frontend-pulse _ little-text-block
One of the most popular math applications, developed in collaboration with Stanford learning experts, meets the Head Start Early Learning Outcomes Framework and Common Core Standards, focuses on children ’ s overall development and incorporates social-emotional learning skills.
• Busy Shapes app
It is a Montessori based learning app that is useful for children who are just beginning to be exposed to technology, developing their logic and reasoning skills by learning the interrelationships between objects and how to manipulate them.
• Interactive reading platform Epic
https: / / kids.getepic.com /
With more than 40,000 children ’ s books, audiobooks and videos accessible through computers, laptops, mobile phones and other devices, it is a great platform for educators and parents to encourage children to read interactively.
• DragonBox (ages 4 to 8)
https: / / dragonbox.com /
Through games and exciting activities, children learn math without quizzes and assessments, and they think they are having fun and don ’ t feel like they are “taking classes ” or“ learning. ”
• PBS Kids
Public Television Network (PBS) produces hundreds of games based on its popular children ’ s programming that bring animated protagonists into the game with different learning themes; for example, let children learn math with the protagonists in the children ’ s animated Peg + Cat, and explore creatures with the Kratt Brothers in another animated film, Wild Kraft.
• ABCmouse.com (ages 2 to 8)
It is designed to help children between the ages of 2 and 8 learn, from recognizing letters, reading letters, to learning math, etc. There are many story films, puzzles, fun activities, songs, and many other things related to math, science, art and reading.
Business Insider Compilation Online Learning Resources
"Business Insider" is an American business entertainment news website founded in February 2009, headquartered in New York City, is a subsidiary of Axel Springer SE, the largest publisher in Europe; it is based on the New York Times, National Public Radio (NPR) and other established media.
At the beginning of the Covid-19 epidemic, Business Insider compiled educational professional opinions to list the best online learning platforms for K-12 children. These educational experts include Jaime Donally, an interactive education consultant and education book author, and Nicholas Provenzano, an education consultant and founder of The Nerdy Teacher LLC. Experience.
Provenzano stressed that all tools should comply with the Children ’ s Online Privacy Protection Act (COPPA), and that most learning tools require parental supervision; importantly, the tools should give children the opportunity to be creative and interactive, not just watching videos for passive learning.
The following recommended list of tools is based on interactive applications and hardware, suitable for use at home, mostly for a fee.
• Best Interactive Learning Platform ABCmouse.com
https: / / www.abcmouse.com / abc /? 8a08850bc2 = T68191482.1600712983.1556
Includes ABC Mouse Early Learning Academy for 2 to 8 years old, and Adventure Academy for 8 to 13 years old, which can practice math, science, language, reading, etc.
Children can choose their favorite avatar, choose a location on the map, earn tickets on their own efforts, buy items to enhance their own world, for example, by playing games to earn tickets to buy cool clothing, buy furniture for the room, or buy fish for the aquarium; need adults to monitor security from the side.
A team of teachers oversees all materials at ABC Mouse and Adventure Academy. Footprints are saved to keep track of learning progress. The app is constantly updated and never lacks materials. ABC Mouse won the Teachers' Choice Education Award from the Parents Choice Foundation and Learning Magazine.
The free trial starts at $12.99 per month, $29.95 for six months, and $59.95 per year.
Available on iPad, iPhone, Kindle Fire (at least second generation), and most Android phones and tablets.
• Best interactive reading platform destroyED (for children aged 3 or older who prefer visual learning)
https: / / disruptedx.com /
DestroyED offers Augmented Reality (AR) and Virtual Reality (VR) reading and writing experiences that combine real-world and online environments for visual learners and children who want to engage deeply with books.
The starter kit includes three AR / VR books, three activity books, stickers, a VR headset for mobile phones, and an app for download.
When reading, you can watch 3D characters and environments interact by pointing your phone or tablet to an interactive book. Virtual reality sessions are immersive and require adult supervision.
The whole set of books allows children to learn English ABC letters, opposites and shapes.
The entry kit costs $49.95 per unit.
Available for Android and Apple phones and tablets.
• Best Interactive Engineering Learning Kit Makey Makey (Suitable for age 8 or older)
https: / / makeymakey.com /
Makey Makey is an award-winning invention and coding suite developed by students at the Media Lab at the Massachusetts Institute of Technology (MIT) that lets kids experiment with thousands of inventions, engineering, drawing, and coding ideas.
The website shows how to transform a stuffed animal to talk, type with a banana, and play music with a water cup, giving students a technical blank canvas to make anything they want.
Classic kit $49.95 with circuit boards, crocodile clips and wires.
For busy inventors, the Makey Makey GO is a smaller, cheaper circuit board with a USB connector that costs $19.95.
Works with Windows 10, macOS, iPadOS, and Chromebooks.
• Best Social Research Interactive Learning Tool Orboot (for ages 4 to 10)
Orboot Earth offers a range of augmented reality globes that can travel anywhere in the world to learn about geography, food, inventions, monuments, and more. You can explore the world without flying abroad.
The globe does not require a battery or Bluetooth connection and can send live AR images to most mobile devices.
Transfer the globe to Morocco and click on “Gourmet ” to see the image of the famous North African dish“ tajine ” and related information, and to Brazil, click on “Animals ” to see the lifelike Torquay and other animals.
The 10-inch globe offers more than 1,000 informational facts and 400 highlights from around the world, packed with artificial passports, passport stamps, flag stickers and other travel documents, and in game mode, children can find treasure and build national parks.
There are also dinosaur-themed Orboot Dinos (ages 4 to 8) and Orboot Mars (ages 6 and up).
Orboot Earth is priced at $54.99.
Compatible with iPadOS, iOS and Android devices.
• Soundtrap, the best interactive learning tool for music and blogging
https: / / www.soundtrap.com / musicmakers
Soundtrap for children and adults is easy to operate.
Sound production features and collaboration tools used.
Provenzano strongly recommends using Soundtrap tools to engage children with the imagination and creativity of experts, such as writing blog scripts.
With Soundtrap, kids can record music, use an app ’ s musical instruments, and collaborate with remote friends through chat.
Under the guidance of their parents, young children can operate at will and hear their own voice playback.
The Storytelling program provides transcription, which is especially helpful for children who have difficulty writing or typing; older children can upload their blogs to Spotify, export documents to any format, and send documents via links.
The Soundtrap music option starts at $7.99 per month and the blog starts at $11.99 per month.
Letter VR Android
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Title:

Content: Interest in business schools trumps cost awareness and resignation
Global survey confirms outbreak prompts shift to MBA and MBA degrees
Reston, Virginia, UNITED STATES
Riston, Va., April 19, 2022 (GLOBE NEWSWIRE) — The Graduate Management Admission Council (GMAC), the world ’ s leading association of graduate business schools, today released its GMAC Prospective Student Survey – 2022 Summary Report, which explores changes in applicants ’ preferences during the COVID-19 pandemic.
The report is based on the results of a global survey of more than 6,500 people who expressed interest in graduate business education in 2021.
In the current dynamic economic environment, with a vibrant job market and rising inflation, fees remain a major concern, but applicants from around the world continue to see graduate management education as a proven way to help them progress professionally and position themselves, which is consistent with the pre-pandemic situation.
Globally, four out of five applicants say a graduate degree in business can set them apart at work.
Similarly, the full-time MBA program remains the most popular choice, with one in four applicants preferring two-year full-time and one in five preferring one-year full-time.
Sangeet Chowfla, President and CEO of GMAC, said: “While the pandemic has changed all aspects of the landscape of managing postgraduate education, fundamental perceptions of the value of managing postgraduate education, especially MBA, continue to be strong." The latest results of the GMAC Prospective Students Survey should help allay their concerns, "he said.
Other important results:
More and more applicants prefer to study near home, while competition for international applicants in the United States and Europe is more intense.
More applicants from traditional mobile markets choose to study close to home than before the pandemic.
For example, the percentage of Central and South Asian applicants willing to study abroad fell from 89% to 73% between 2019 and 2021.
Among East and Southeast Asian applicants, the preference for studying abroad declined from 92% to 87% between 2020 and 2021, which may indicate that travel restrictions caused by the pandemic have limited study abroad.
In 2021, international applicants (applicants whose preferred study destination is different from their country of origin) indicated the United States and Western Europe as their preferred destination (39%, respectively), with almost the same proportion.
Especially among international MBA applicants, the United States is the preferred destination for half (50%) of applicants, and is well ahead of second place Western Europe (28%) between 2019 and 2021.
At the same time, Western Europe remains the preferred destination for more than half of international business master ’ s applicants.
Belief in the value of comprehensive online education remains low while acceptance of blended forms of instruction increases
Compared to online learning, the proportion of respondents who felt that the face-to-face business school experience was more valuable and preferred a comprehensive online course remained the same.
A majority of prospective students globally surveyed in 2021 disagreed that online degree programs offer the same value as on-campus programs (73%).
Nearly four-fifths of respondents do not agree that social opportunities are the same, and two-thirds do not agree that career opportunities are the same.
However, these negative views weakened slightly between 2020 and 2021.
At the same time, preference for hybrid models increased significantly among applicant types, especially among respondents who preferred executive, part-time, and flexible MBA programs (44% compared to 30% in 2019) and those who wanted to study full-time for a Master of Business degree (20% compared to 13% in 2019) or a Master of Business Administration (13% compared to 7% in 2019).
Globally, 20% of applicants surveyed in 2021 preferred blended instruction, up from 14% before the pandemic.
U.S. underrepresented minority applicants (28%) also expressed interest in hybrid programs, a significant increase from pre-pandemic levels.
Counseling continues to be a top interest for prospective students, but the index of interest in technology continues to rise
Among U.S. applicants whose job market has been rocked by the “resignation wave, ” 42% of respondents consider themselves“ changers, ” and their goal is to change careers or work functions by pursuing a business degree, far higher than the global level of 32%.
As before the pandemic, counseling remains the top industry and job function that male and female applicants aspire to.
However, there is a growing interest in the tech sector, particularly among transfer professionals (50%) and non-business undergraduate majors (49%).
Women ’ s interest in technology also increased between 2019 and 2021 (from 29% to 34%).
Joy Jones, Director of Product and General Manager of Evaluation at GMAC, said: “Many people have become more open to the various possible career paths they can pursue as a result of the different perceptions of work that people have after the pandemic.
Encouragingly, more women are pursuing business degrees as a way to build a career in the tech industry.
Postgraduate business education remains in high demand as it opens doors to a wide range of industries and job functions, including areas that are less or never considered by traditional applicants seeking admission to business schools. ”
Optional Exams and Exemption Policies Lead to Unexpected Results
Globally, most applicants agree that entrance exams improve fairness and transparency in business school admissions.
Most also agree that exams improve the reliability of schools in evaluating applicants and demonstrate that they value the quality of the students admitted.
A clear trend in survey responses is that international candidates are particularly in favour of the entrance examination.
About half of the respondents said that the school's entrance examination is an indicator of the quality of the curriculum and an important criterion for considering applications for the school.
With more than twice as many international candidates agreeing (more than disagreeing), entrance exams are an effective way to decide on admission.
In addition, about two in five prospective students agreed that the test exemption criteria were complex and did not apply to the majority of applicants, and about one in three respondents said that a disproportionate exemption favored applicants who were underprepared for graduate business degree programs.
Maite Salazar, Director of Marketing at GMAC, said: “The data shows that prospective applicants have a mixed view of exam exemption and optional policy due to the complexity of the exam exemption and optional policy, as well as a reduced perception of transparency and fairness.
This trend is particularly evident among international students.
The unintended consequence of the optional examination and exemption policy may be that it may adversely affect the commitment to ensure the quality of students in the programme. "
For more than a decade, the Prospective Student Survey has provided global graduate business schools with important insights into the decision-making process of those currently considering applying for graduate management education courses through mba.com, the GMAC website for prospective business students.
This year, in order to increase the breadth and depth of prospective student voices reflected in the report, all those who registered for an mba.com account last month were invited to participate in the survey next month.
In addition, the sample of mba.com registrants joined prospective students from other GMAC properties for the first time, including those who participated in The MBA Tour, visited the BusinessBecause website, or enrolled for the GMAC exam NMAT in India.
Visit GMA.com to read the full report.
About GMAC
The Graduate Management Admission Council ™ (GMAC ™) is the world ’ s leading association of graduate business schools. Founded in 1953, GMAC is dedicated to building solutions and experiences for business schools and applicants to better discover, evaluate and connect with each other.
GMAC provides world-class research, industry conferences, recruitment tools and assessments for the graduate management education industry, as well as tools, resources, events, and services that help guide applicants through their journey to higher education.
The Graduate Admission Management Exam (GMATTM), owned and administered by GMAC, is a widely used graduate business school assessment criterion.
Every year, more than 12 million prospective students learn about MBA and MBA programs through GMAC ’ s websites (including mba.com), connect with schools around the world, prepare and register for exams, and get advice on successful applications for MBA and MBA programs. BusinessBecause and The MBA Tour are a global organization with offices in China, India, the United Kingdom and the United States.
To learn more about our work, please visit: www.gmac.com
Media Contact:
Teresa Hsu
Senior Manager, Media Relations
202-390-4180 (mobile) | Email:
thsu @ gmac.com
A PDF version of this announcement is available at https: / / ml.globenewswire.com / Resource / Download / d3170b54-b044-4d0c-8850-b3334540861a

Title:

Content: PPC
1521626400
Grouping Key Phrases for Advertising Campaigns – A Detailed Review of Methods
There are a million articles, how to collect semantics, and how to group it no one writes.
And this is no less important issue for a specialist in contextual advertising.
In this article, I will tell you what logic to group key phrases in order to achieve an optimal balance of relevance and manageability of advertising campaigns.
Definitions
To avoid ambiguity, we need a few terms.
I do not like unnecessary anglicisms and I get sick of phrases like “I have a cannon about your commitment to our enterprise ”.
But still they will have to use, because they better reflect the meaning than analogues in Russian.
Intent (in the context of search advertising) is the intention that the user expresses in his search query.
It is simultaneously:
• his position on the way of the client or the degree of readiness for purchase;
• its expectations from the search results: learn technical details, read reviews, find out the price, watch the video of use, compare the advantages, find out the mode of operation, call the nearest sales point and so on;
• what kind of goods or services he is interested in;
• what characteristics (color, size, and so on) he is interested in;
• language, city, method of obtaining;
• his pain / task that he wants to solve;
• the benefits they want to receive;
• information and the question to which he wants to receive an answer (information requests).
Performance is a set of actual indicators of a keyword phrase, ad, group or any other entity of an advertising account.
This is almost synonymous with performance, efficiency, behavior.
A similar performance is a situation in which different entities (in particular, keys or announcements) demonstrate the same:
• price per click on comparable positions (with identical quality indicators);
• CTR, other things being equal;
• conversion rate;
• Conversion value or type.
For search advertising, you can limit yourself to this list, but in general it is clear that this is a list of synthetic / operational KPIs characteristic of the tool and those business KPIs for which the campaign is evaluated (for example, CPA in the list above).
A message is the meaning you want to convey to the user.
The message includes:
• USP;
• the essence of the offer: what product, service or content in general;
• a set of basic characteristics: color, price, conditions, dimensions, model and so on.
Of course, not everyone needs to stuffing a text or any other ad / banner - it is worth choosing.
When the message matches the intent, good results are obtained.
That is why for key phrases with different intents, you need to convey different messages.
User-relevant communication should continue on the site itself.
This is the notorious chain of relevance “search query – keyword – advertisement – landing page ”.
Your advertising message can be as relevant as possible, but a bad grouping on landing pages or even the lack of a suitable page will ruin everything.
Example:
Despite the fact that this is the only announcement in the issuance with a suitable message, the landing is about something completely different.
When you need a grouping of key phrases
The main reason for grouping that affects the result is to achieve maximum relevance.
Another reason that indirectly affects the results is the flexible and convenient management of the account.
In fact, in the process of grouping, we decide which phrases to combine into one group, and which to leave in different ones.
Let me make a reservation that we are now talking about a grouping within a single campaign.
Spread phrases across different campaigns with separate budgets and KPIs if you have different ones:
• categories or subcategories of goods;
• business areas;
• targeting regions;
• languages;
• Arrays of phrases with clearly different performance (for example, commercial and information requests).
Why combine phrases into groups:
• for the appointment of general rates;
• for aggregation of statistics;
• to deliver general messages;
• to unite common intents;
• to test ads using their rotation.
Accordingly, the division into different groups occurs for the opposite reasons from those listed in the list of reasons for combining.
Why divide phrases into different groups:
• to set your bets;
• to separate the statistics;
• to convey different messages;
• for different intents;
• to divide the audience for display by different remarketing lists.
Let me remind you that by intent we mean a product / service that the user needs.
Therefore, for example, a house from a log house and a house from sandwich panels are solutions for different intents, and therefore, groups.
Let us dwell in more detail on the reasons for the consolidation and distribution of groups, namely the aggregation / separation of statistics and the appointment of general / different rates.
Why Aggregate or Split Statistics
We cannot reliably evaluate key phrases or ads by an insufficient number of observations (clicks).
When there is little data at the key phrase level, moving to a higher level (to the group level) allows you to take statistically more reliable results.
Based on these data, we make decisions about the future fate of entities, predict the results, assign bets based on these results.
But it is also necessary to combine statistics taking into account the similarity of intent and performance: in general, it is not necessary to predict conversion and assign a bet on dresses, focusing on the statistics of conversion of jackets.
The key phrase (and the query for which it worked) of Kharkiv apartments: CR 1% with CPC 1 UAH, 300 clicks.
Key phrase apartment rental long-term Kharkiv: CR 4% at CPC 2 UAH, 200 clicks.
Key phrase to buy an apartment Kharkiv: CR 2% at CPC 3 UAH, 300 clicks.
Average CR — 2.1%, CPC — 2 UAH.
Obviously, these are different in intent requests, ways to make a purchase (or rent), and we can have a good choice on the site in one category and a bad one in another.
Therefore, the statistics on rent and sale should be divided.
Of course, the lack of data is better at least some statistics than its absence.
Therefore, different statistical methods of forecasting are used.
This is not even a separate topic, but an area of   knowledge.
Most fully in the field of contextual advertising, it is disclosed in these materials:
1.
"Prediction of Conversion Probability."
2.
"Using different metrics to cluster queries."
3.
"Theoretical and informational approach to the analysis of sales funnel in contextual advertising".
4.
"Advanced metrics for contextual advertising analysis".
Why Set Bets for Different Groups
The moment is obvious, but still.
Since keywords are grouped according to some common properties, these groups will show their performance.
That is, different conversion rates, auction click prices, and everything else.
Accordingly, you should set different click values and rates necessary to occupy the desired position.
When keyword grouping is not needed
1.
Ads are the same in different groups.
2.
All keys have the same performance, and therefore the stakes.
That is, for all key phrases of the campaign, there will be the same ads: from titles and texts to the landing page and extensions.
Such a decision is justified not by laziness, but by the fact that it was possible to observe the chain of relevance for the same ads.
All phrases in the campaign carry the same intent.
All phrases have the same performance, that is, you will get the same price per click, conversion rate, CPA.
Needless to say, this situation is rare in real life, and still, you will have to group.
By default, we will assume that the semantics are collected correctly, and there are not ten keys in the account in broad accordance - in this case, the truth of the performance can be the same.
Equally bad:)
Principles of grouping key phrases
1.
Morphological proximity - the same words are sent to one group (+ order + taxi, + order + taxi).
2.
Semantic or semantic proximity - synonyms are sent to one group (+ installation + air conditioners, + installation + air conditioners).
3.
Intent — phrases are sent to one group that mark the same intent (intent) of the user (+ cost + auto insurance, + calculator + insurance, + policy + CTP + price).
4.
Sales funnel stage / customer journey / readiness to buy / AIDA / any other favorite and used model:
• Group 1: + keep + heat + apartment, + thermal insulation;
• Group 2: + Plastic + Window + Choice, + PVC + Window + Manufacturers;
• Group 3: + Kommerling + Kharkiv;
Why on these principles?
Because morphological and semantic intimacy correlates with intimacy in intent, and intimacy in intent with proper adjustment and conduct in the end correlates with intimacy in performance.
From a mathematical point of view, the principle is described in detail in the Calltouch study.
Also read how to group by morphology using Serpstat.
But precisely because morphological similarity does not always mean the same intent, the principles of grouping are not one, but several.
Example: to order a notebook, to order notebooks.
Morphologically, the same thing.
According to the intention, the first is the order of a notebook with its design, the second is the printing circulation of notebooks with the logo of the company.
Another example: tickets Kiev - Odessa, Odessa - Kiev.
Everything is clear here too.
How to make a classic grouping
The easiest way is to go from the general to the particular.
It is often easy to break down the semantics into large general clusters that reflect the essence of the product or service.
For ecommerce sites, these are usually categories and subcategories of goods: “TVs ”,“ Coffee Makers ” and so on.
For services - separate services: "CTP insurance", "CASCO", "medical insurance".
This is the level of campaigns, not ad groups.
Go downstairs.
As part of the campaign, we group requests first with general strokes - we distribute them into several "source" groups - "CTP", "auto insurance", for example.
Even lower.
We break down the initial groups in more detail, identifying various intents and the landing pages we have for them:
• “Almaty auto insurance ”;
• "auto insurance with delivery";
• "auto insurance online";
• "auto insurance calculator" and so on.
Start from the collected semantics, but do not give up artificially generated.
For example, for the vast majority of e-commerce projects, as well as many non-ecommerce, bundles will be relevant:
• “object + brand ”;
• “object + color ”;
• “object + toponym ”;
• “object + transactional additives ” and so on.
Stupor is initially caused by cases when the request can be attributed to several groups at once:
• “buy a smartphone ”;
• "smartphones Kiev".
Where to take the request to buy a smartphone in Kiev?
There are several options:
1.
Create a separate (third) group.
2.
Define a query in a more defining group.
Which group is more decisive?
Put yourself in the user ’ s place.
Which ad will be more relevant to you - with a text containing "Buy" or "Kiev" (let's omit that, in principle, everything will fit)?
Here it is obvious that "Kiev" will be more decisive.
Less obvious for non-toponyms.
Groups:
• "business cards bilateral";
• "business cards uv-lacquer".
What to do with the request of two-sided business cards with UV varnish?
Put yourself in the user ’ s shoes again.
Which landing page will be more useful to you?
About double-sided business cards or business cards with a coating?
The correct answer depends on:
• structure of the site;
• the range in one and the second subcategories;
• frequency of the group of requests;
The market, after all.
If there is an appropriate filter, ideally lead the user to a page with two-sided business cards and UV varnish.
This approach to grouping requires deeper immersion in the subject, identification of intents, marketing approach, than just 1 key = 1 group.
The approach allows you to better understand the business and user intentions, to take into account in texts and landing pages the location of the user on his way to the consumer.
The classic grouping is more labor-intensive when set up, but with the right execution gives the best result from the start due to the elaboration.
Subsequently, the optimization and management of the advertising campaign is relatively simple, because the main work is done when setting up.
Optimization includes:
• adjustment of rates;
• cleaning negative keywords;
• continuous testing of ads;
• Proactive expansion of semantics in uncovered directions.
Assignment of bets – at the level of groups or keywords.
For such group organization, it is better to use automatic conversion optimizers built into Google Ads.
The reason is that built-in automatic betting strategies allow you to set a target CPA or ROI at the ad group level.
External systems predict conversion rates and optimize rates at the key level.
In fairness, some external optimizers allow you to combine keys into “optimization groups. ”
Also, the built-in conversion optimizer takes into account a lot of signals when assessing the probability of conversion, which do not take into account third-party systems (Marin, Alytics, K – 50 and others):
How to make a SKAG grouping
Now let ’ s move on to different approaches to the organization of the account.
In addition to the classical grouping, the breakdown of key phrases is common so that one key phrase falls on one group.
In our region, it is called "1 key - 1 ad", although it is more correct to call "1 key - 1 group", because ads are most often created more than one per group (and this is correct).
Here lies just a huge number of nuances, the combination of which can give both good results and deplorable.
Let me remind you that the main reason to group key phrases is relevance.
Reasons to use SKAG (Single Keyword per Ad Group):
• it is very easy to achieve relevance in the chain on the “request-key-announcement ” link (but not on the request-landing link), simply inserting a key phrase into the title;
• no need to think about intents, user paths and spend time on a good grouping.
So it happened - hundreds and thousands of ad groups contain one key per group.
Depending on the preferences of the specialist, it can be really one key, and maybe three in different types of compliance.
What might not go according to plan:
1.
Keys with low frequency can get the status of "few queries" in Google Advertising (even if added from the results of search query statistics), groups with total low frequency get the status of "few impressions" in Yandex.Direct;
2.
It is not clear how to set the rates correctly.
Statistics are blurred between groups, and in order to make a statistically sound decision about stopping / raising / lowering rates, you still need to aggregate statistics of performance-like keys from other groups.
If you do not aggregate, but use the method of pulling, then there are difficulties with determining the reference conversion rate - after all, we did not bother with grouping by performance and intent, right?
3.
Split testing of ads requires more time and traffic per group.
The way out is to aggregate here (in general, in any incomprehensible situation - aggregate), but already statistics on ads from different groups.
Labels can be used for this.
For example:
It is problematic if the texts of the ads are very different.
You can distinguish the general properties of ads: messages, calls to action, the presence of a price in the text, and so on, but the more diverse the ads, the more time-consuming this process.
At the same time, you are doomed to even rotation, since it is difficult for the system to optimize rotation well on a small amount of data;
4.
More entities, more chaos.
However, not everything is so bad, otherwise the approach of SKAG would not be so popular.
Moreover, not only in the habitat of directories, but also in the West, where only Google Ads with Bing are on the rise.
If you correctly approach the SKAG structure or its special cases – alpha beta campaigns or breakdown by types of correspondence between campaigns – then this is a good working method with advantages:
• easy adjustment (in comparison with the classical grouping);
• a simple understandable algorithm for expanding semantics;
• control over the display of the desired keyword.
Disadvantages of the method:
• Blurring of statistics;
• a longer period of split testing of ads;
• more work with semantics in the process (in comparison with the classical grouping);
• worse results at the start (potentially better in the process of account development).
How to create a SKAG
1.
Take the main request masks:
• car insurance;
• car insurance;
• OGPO;
• CTP;
• Insure the car and so on.
2.
We add to them the main additives (toponyms, transactional, urgency intents, conditions, and so on).
3.
We make keywords from the resulting queries in all types of correspondence.
4.
Distribute into groups so that in one group there is one key in all three types of correspondence (that is, three key phrases).
5.
We assign bets at the group level or, if it is Yandex.Direct, at the level of the key phrase, but the same.
This should be done so that a phrase in a broader correspondence does not work on a query for which there is a more accurate phrase.
The nuance lies in the further work with such a structure.
Initially, we will have a less complete and well-developed semantics than in the case of the classical grouping approach.
We will expand and deepen in the process.
That is why the results improve as the account develops as a result of working with it.
How to work with a properly prepared SKAG campaign?
1.
Regularly go to the report on search queries.
2.
Filtering requests.
We are interested in those whose status is "No" in the column "Added / excluded":
These are the queries that worked on the inaccurate correspondence of key phrases.
3.
We put such requests into a new group with keys in all types of matching.
4.
In the original groups, add the requests made to the new groups as negative phrases in broad accordance.
5.
Regularly repeat the procedure - in the report on search queries, all relevant queries must have the status "Yes" and its own separate group with blackjack.
This approach gives a simple algorithm for working with new requests, gradually expanding the account.
Additional types of SKAG structure
There are at least two more special cases of the SKAG structure: the alpha beta campaign and the breakdown of campaigns by compliance type.
Both methods are similar.
The difference is:
• in the breakdown of campaigns by types of compliance, we initially, before launching, allocate the keys in the exact type of compliance in a separate campaign;
• In alpha beta campaigns, we allocate only those keywords in the alpha campaign in exact accordance, the queries of which have brought the most benefit in the number of conversions or value.
Cases when it makes sense to use the structure “breakdown of campaigns by types of compliance ”:
• very limited budget;
• very high cost per click on the main requests;
• vague intent in the subject (it is not clear what users want).
Thus, it is convenient to allocate a separate budget and high rates on “iron ” target keywords, which, according to the forecast, will have a significantly higher conversion rate.
The method of αβ-campaigns is that an α-campaign is created, in which only conversion phrases are included in the exact correspondence.
In the old (β-campaign), these conversion phrases are added as negative phrases.
The task of the β-campaign is to open new conversion phrases for their further transfer to alpha.
Alpha campaigns are assigned high rates and a sufficient budget.
So it is easier to keep your finger on the pulse of conversion traffic.
The downside is that very often the observed conversion rate is significantly different from the true one (such as will happen with an infinitely large number of clicks), so you can not just take and transfer all the phrases with conversions > 1 to the α-campaign.
Findings
How to group semantics by campaigns and groups is an open question for each individual project.
In most cases, the decision is influenced by the following variables:
• frequency of phrases;
• structure of the site;
• budgetary constraints;
• business priorities in categories / services / goods / regions;
• the model of decision-making by the buyer in the subject;
• use / not use of conversion optimizers;
• the type of conversion optimizers used: external or internal;
• the level of betting assignment and the strategy of their assignment;
• flexibility of the project from the aspect of making changes to the site, creating new filters and pages.
It is important to understand why you group phrases in this way and not otherwise – whether the chosen grouping provides the optimal balance of relevance and manageability, whether you know how you will manage rates and statuses.
And the most important thing is the scale of the effect that the chosen approach will have on the final business result.
I ’ ve seen a lot of meticulously detailed accounts with a structure that only the creator can understand.
With endless cross-minus and cunning grouping.
But with mediocre results.
And I saw accounts with 50 keys in the same group, like “+ buy + trolleybus ”, that gave excellent conversions, CPA and, ultimately, profit – because they used competent messages, automatic optimization and work with audiences.
The devil is in the details.
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How to save the budget of the company on the search of personnel: five ways
Hiring staff is one of the main items of the company ’ s expenses.
How to reduce the budgets for recruiting and at the same time accelerate hiring, said representatives of Russian companies.
A well-built brand of the company will provide a queue of candidates.
And this applies not only to large, but small and medium-sized businesses.
Work on the employer ’ s HR brand
The company needs to clearly state what it is – vague formulations from the category of “friendly team ” and“ we have unlimited cookies ” are unlikely to attract new employees.
And the most clearly prescribed working conditions with an indication of the schedule, salary, locations will help attract a candidate.
Do not be afraid of experiments.
Each region has its own characteristics, we analyze what the applicant reacts to, and come up with interesting approaches, try to make the description more tempting and bright, ” says Olga Vasilyeva, HR Director of TC “KIT ”.
To promote the company in the HR-key, it is not necessary to work with the media, a good alternative will be the company ’ s social networks.
You can talk about your values, goals, team – real stories of employees usually inspire trust among applicants.
A potential employee can also find reviews about the company on job search platforms.
For example, on Avito Work in the company profile, you can see the opinions of current and former employees and learn the nuances of work from the inside.
Such profile sites as IRecommend and Otzovik are also quite popular.
The higher the rating of the company, the more people will want to work in it.
At the same time, even after dismissal, you can increase the loyalty of the former employee.
Select a person who will respond to comments on behalf of the company and become a brand ambassador.
Also, ask existing employees to write a review.
According to the observations of labor market experts, applicants are more likely to respond to vacancies in companies with good reviews.
Thus, the flow of relevant candidates increases, which will contribute to saving the time of the recruiter and faster closing of positions.
In addition to reducing time and related financial costs, a strong employer brand, according to hh.ru, reduces the price of a job application by about 2.5 times.
As you can see, the cost of building an employer brand does not necessarily have to be impressive, and the game is definitely worth the candle.
After all, the brand will not only attract new employees, but also motivate and retain an existing team.
Post jobs in local communities, groups and social networks
Using different channels to attract candidates will expand the recruitment funnel.
According to a survey conducted by the quick job search service and employees of Worki and the research company ResearchMe, 39% of Russians are looking for work in social networks.
69% of respondents prefer to look for vacancies in thematic communities, and 36% respond to posts on the official page of the company.
At the same time, mainly young people are looking for vacancies in social networks.
Publishing a vacancy in the company ’ s social networks, recruiters automatically launch word of mouth, because users often recommend each other a particular position, making reposts and noting friends who may be interested in the offer.
In fact, the referral program begins to work, and with minimal investment.
Of course, working with responses on various sites takes the time of the recruiter, because they have to be processed manually, but in some cases it is more than justified.
For example, if a company is interested in finding an employee for a narrow, local market, finding a suitable candidate may turn out faster in the communities in Telegram or VKontakte.
Photo: Avito Job
Take advantage of the opportunities of job-platforms
With all the advantages of working with social networks, they do not always give a relevant stream of candidates.
The most suitable employee, the most suitable, can be found on job portals, where people deliberately go to look for work.
There is still a myth that placing vacancies on platforms is expensive for the employer.
But that's not always the case.
For example, at Avito Work, you do not have to pay for viewing a resume - only for the contacts of those who you like.
The service also offers a placement option in which the employer will pay only for responses, and you can publish vacancies for free.
So, in Yekaterinburg, the response of the candidate will cost the company from 24 rubles.
HR managers of VkusVill note that after switching to this placement format, they received good traffic and, in general, greater liquidity at lower costs.
According to the head of the personnel selection and evaluation department, the Russian Telephone Company (MTS Retail Network brand) also actively uses the tariff opportunities and notes its convenience.
You can maneuver between vacancies, effectively distribute funds depending on the activity of candidates and the demand for a particular vacant position, ” says Sofia Shutkova, head of the recruitment and evaluation department of Russian Telephone Company JSC.
Marina Giricheva, Head of Recruitment and Support Department of Gazstroyprom, agrees with her.
According to her, the possibility of free placement with payment only for the responses of applicants, along with other opportunities, such as job promotion and call tracking, allows you to significantly save time and money on closing positions.
The advantage of the tariff with payment only for responses is that recruiters learn how to make ads correctly.
Job texts become more structured and capacious, which, in turn, contributes to obtaining more relevant responses.
Among other things, on specialized job-platforms, compared with other channels, it is much more convenient to process the flow of incoming responses.
For example, on Avito Work in a special section "Candidates" in the professional office, recruiters can track all the responses in one place, regardless of whether the applicant called or wrote in the chat.
This feature significantly saves time on recruitment, helps to structure the flow of potential employees and analyze the funds invested in recruiting.
We believe that this is a simple and convenient tool for working with responses.
Thanks to the service, no candidate ’ s answer is lost in the general flow, ” notes the head of the recruitment and evaluation department of the Russian Telephone Company (MTS Retail Network brand).
Connect ATS-systems
Automated recruitment systems help to accelerate the hiring of employees, and therefore reduce costs.
After all, the less time will be spent on finding an employee, the cheaper it will be to close the vacancy.
For example, the Potok platform accelerates mass hiring – it takes only a couple of minutes to process one candidate.
In addition, the program can conduct an initial screening interview, schedule an interview with successful applicants or send an auto refusal.
The Huntflow recruitment automation system will save 7.5 hours per week on routine processes.
The Skillaz program reduces the cost of hiring by 38% due to intelligent systems for pre-assessment of candidates and reducing the labor costs of managers.
Thanks to API integration on Avito Work, you can continue to work with any ATS-system familiar to the company, using all the advantages of the platform.
This opportunity, for example, was used in the "Tape".
This allows you to generate reports, deeply analyze recruitment processes and quickly close vacant positions with less cost, because all information is stored in one place.
Use chatbots
According to a joint study by Avito Rabota and HR Messenger, 68% of Russians prefer to use chatbots to interact with companies and services.
Chatbots remove from the recruiter such routine tasks as processing responses, questionnaires, thus freeing up about 80% of the time of the recruiter and helping to focus on communicating with the target candidates.
According to Avito, connecting a chatbot allows you to save about 1500 rubles per vacancy.
The chatbot works 24 / 7 and transfers candidates to the next stage of the selection funnel even at night and on weekends, allowing you not to lose relevant people.
This can be a significant bonus not only for companies that need a massive selection of employees, but also for small businesses interested in quick hiring.
The recruiter can set a standard scenario for the development of a chatbot conversation with a potential employee, as well as independently designate cutting off questions depending on needs.
For example, a chatbot will select candidates who are ready to work at night or with the lifting of heavy loads in warehouses.
Thus, the chatbot will help to save time on communication with candidates.
This reduces costs and allows you to focus on interacting with the most relevant candidates.
If the task is to reduce the cost of recruiting, it is worth using one of the listed methods.
But it is important to remember that the best result is a combination of different methods.
Fortunately, the possibilities for experimentation are many.
This will allow you to choose a tool that will suit each particular company.
Read also on DK.RU: Business has increased the hiring of IT specialists.
They do things differently with remote workers.
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The most important thing about business.

Title:

Content: Fastest rise in non-energy private sector jobs since June 2022
Aggregate activity indicators and new orders record strong growth rates
Business outlook improves in September
Data collected from September 12 to 22, 2023.
Doha, Qatar: The latest data from the Qatar Financial Centre ’ s (QFC) Purchasing Managers ’ Index (PMI) survey indicated strong and stable growth in non-energy private sector business activity in Qatar in September, as new production and demand indicators rebounded, while the employment index rose at the fastest rate since June 2022 and the business outlook improved for the next 12 months.
Cost pressures remained moderate, while prices for the sale of goods and services rose for the first time in five months.
The PMI for Qatar is compiled from responses to survey questions from a panel of about 450 non-energy private sector companies.
The committee covers several areas including manufacturing, construction, retail and wholesale as well as services, and reflects the structure of the non-energy economy, according to official national accounts data.
The QFC PMI is a one-digit composite index that indicates the performance of non-energy private sector companies in Qatar.
Qatar ’ s main PMI is calculated on the basis of indicators of new orders, production, employment, supplier delivery times and procurement inventory.
The PMI fell slightly from 53.9 points in August to 53.7 points in September, pointing to further improvement in the business activity of non-energy private sector companies in Qatar.
The latest reading was above the 2023 average of 53.0 and above the long-term trend level since 2017 of 52.4.
The PMI recorded close readings ranging from 53.7 to 55.6 since March 2023, pointing to stable and strong economic growth.
Non-energy private sector firms ramped up hiring for the seventh consecutive month in September, the fastest rate since June 2022.
Qatari companies noted efforts to attract highly qualified and experienced staff.
Three out of four regulated sectors reported significant staff growth similar to the financial services sector.
New orders rose for the eighth consecutive month in September and the growth rate of new orders was strong.
The construction sector contributed to a significant improvement in demand during September.
Overall business activity in non-energy private sector companies registered new growth in September.
The production index has been growing monthly for more than three years, with the exception of the decline recorded in January after the conclusion of the FIFA World Cup Qatar 2022 ™.
The recent rate of growth in the production index was lower than in the last four months, but still higher than the long-term average of the study.
Expectations for non-energy private sector companies in Qatar for the next 12 months remained positive in September.
Manufacturing and construction companies provided the most positive outlook for business activity over the next year.
Input purchases rose for the seventh straight month in September, and supply chains continued to improve as the average delivery time improved in a record-breaking 17th straight month.
Production input stocks have stabilized as Qatari companies manage their stock levels efficiently.
Cost pressures were moderate in September, with price indices in the four sub-sectors reading above the neutral level of 50.0.
Prices of goods and services rose for the first time in five months at the highest level, with the manufacturing sector taking the lead.
FINANCIAL SERVICES
Financial services firms step up recruitment activities
• Financial Services Employability Index (FSI) recorded the highest reading in 23 months at 54.2 points
• Growth in business activity and new orders in the financial services sector increases significantly
Financial services prices fall for third time in four months
Qatari financial services firms ramped up recruitment activities at the highest rate in September 2023, with the rate of job creation at its highest level in almost two years.
The employment index had the highest reading in 23 months at 54.2 points, well above the long-term average of 52.2 points.
Overall business activity and new orders in the financial services sector grew at remarkable rates in September 2023, slightly lower rates since August 2023, while business outlook improved for the next 12 months.
Data for September 2023 showed lower fees for financial services firms in Qatar, the third reduction in fees in four months.
Average input costs decreased slightly.
Mr. Yousef Mohammed Al-Jaidah, Chief Executive Officer of the Qatar Financial Centre Authority, commented: “The PMI maintained a steady pace in September at 53.7 points, indicating further improvement in the business activity of non-energy private sector companies.
Growth for all months in the third quarter was slightly lower than in the second quarter of 2023, but still well above the long-term trend of the study ’ s six-and-a-half-year history.
While production indicators and new orders continued to rise at strong rates, the employment index performed best in September, where employment growth was the highest since mid-2022.
At the sub-sector level, the construction sector showed signs of recovery after 12 months of calm as new orders rose significantly, outpacing the rest of the sub-sectors in September.
The latest GDP figures point to a correction in the PMI after the conclusion of the FIFA World Cup Qatar 2023TM, where annual growth fell to 2.7% in the first quarter of 2023.
The PMI indicated higher growth in the second and third quarters of 2023. ”
# Government Data
- Done.
About Qatar Financial Centre
The Qatar Financial Centre (QFC) was established to operate within the country and is located in Doha, providing a unique business platform for companies wishing to establish and operate in Qatar or the wider region.
QFC also has a special legal and regulatory framework, tax system and business environment that allows for up to 100% foreign ownership, 100% profit carry-over and 10% corporate tax on locally sourced profits.
QFC welcomes a wide range of financial and non-financial services companies.
For more information on the permitted activities and benefits of doing business under the QFC umbrella, please visit qfc.qa
@ QFCAuthority | # QFCMeansBusiness
Media Liaison Officer
QFC: Rasha Kamaleddine, Marketing & Corporate Communications Department, r.kamaleddine @ qfc.qa
Inquiries about the report
Qatar Financial Centre: qatarpmi @ qfc.qa
About S & P GLOBAL
S & P Global (NYSE: SPGI) S & P Global provides important and fundamental information.
We provide governments, businesses and individuals with the right data, expertise and technology so they can make informed decisions.
By helping our customers assess and guide new investments in the environment, society, governance and energy transition across supply chains, we open up new opportunities, overcome challenges and accelerate the world ’ s progress forward.
Many of the world ’ s leading institutions seek our services in providing credit ratings, standards, analytics and workflow solutions in the global capital, commodities and automotive markets.
With each of our offerings, we help the world ’ s leading organizations plan today for tomorrow.
www.spglobal.com
Overview of Purchasing Managers Indicators (PMI)
PMI ™ studies now cover more than 40 countries and key regions including the Eurozone. PMI ™ has become the most followed study in the world and is preferred by central banks, financial markets and business decision makers for its ability to provide up-to-date, accurate and distinctive monthly indicators of economic patterns.
For more information please visit: https: / / ihsmarketit.com / products / pmi.html

This report examines recent trends in the MLM industry, including the performance of specific companies, factors influencing their popularity, and shifts in business models.

Title:

Content: Columns
Immersion in online, consolidation and revision of offers - prospects of the insurance market in Russia
Columns
Artur Kolomiets
CEO Inssmart
Anastasia Udaltsova
After a slowdown in the pandemic in 2021, insurance premiums began to increase again, and the market grew by 15% - but in 2022 again slowed down its development.
In order not to guess the next turn of this “snake ”, but to understand where the sphere is moving, and to make profitable decisions for business, we offer to read the forecast of Arthur Kolomiets, CEO of Inssmart, about how the Russian insurance market will change and in which direction it will go further.
Immersion in online, consolidation and revision of offers - prospects of the insurance market in Russia
Corporate insurance and travel abroad will be required
One of the potentially sagging segments in 2023 may be corporate insurance - the growth of premiums in it will slow down, because the business, faced with another crisis over the past three years, is actively optimizing costs.
And if large companies can still keep their corporate insurance budgets, small and medium-sized companies are likely to cut back.
In addition, many foreign organizations left the Russian market, which also affected the reduction of premiums.
• business risk insurance in the first half of the year has subsided,
• property insurance of legal entities has increased, but only due to the rise in price of the service itself.
But the chances of growth or at least sustainable development are in those sectors of the economy that receive state support during the crisis:
1. Agriculture,
2. IT,
3. engineering construction,
4. development.
Analysts of VSK Insurance House highlight programs of preferential leasing of special equipment for the agricultural sector, preferential mortgages for employees of IT companies and active import substitution in these industries.
The growth of demand for insurance there is possible at the expense of less sagging budgets.
Insurance traveling abroad in 2023 with a high probability will be in limbo, according to analysts of Zetta Insurance.
There are several problems here:
• Loss of some popular destinations – the EU, the USA, Canada, closed the airspace for Russian aircraft.
Flights to the remaining countries and regions have become more difficult due to the lengthened routes.
It reduces turf.
• Sanctions policy that affected the work of foreign clinics and assistants (partners of insurers).
There were cases of refusal of foreign clinics to provide services to Russian tourists who went abroad, for example, in Thailand.
And assistants adjust the lists of clinics that are ready to accept guarantees from Russian insurance companies for paying for medical services.
DMS and "life" - will stand, but will not grow
VMI and property insurance
For several years, the main drivers of the insurance market in Russia were VHI and property insurance policies: according to ACRA estimates, the volume of premiums in these segments has steadily increased year by year.
VHI on average increased by 6-8% since 2013, and insurance of property of citizens - and at all 12-15%.
At the beginning of 2022, ACRA analysts believed that the VHI segment would remain one of the most promising in the long-term forecast, and the volume of premiums in it would remain at the level of 2021.
And in the insurance of property of citizens, analysts expected a steady high growth - about 15% at the end of the year.
But since the end of February, the situation has developed differently.
The trend for stable growth of insurance premiums has not changed only for VHI.
In the first half of 2022, it added 10% to the same period in 2021.
The positive dynamics for this direction will continue in 2023.
However, the reason is not in the great interest of customers to the VHI itself, but in the growth of prices for medical services.
Life insurance
Positive dynamics in 2022 and in 2023 for the segment of life insurance of citizens is in question.
Due to the jump in bank rates and the failure in the stock market in the first half of the year, the demand for this direction began to decline.
And in general, the situation in the insurance market is undermined by general economic instability, high inflation and sanctions.
At the same time, the cost of insurance began to grow, so on the one hand, the increase in premiums in certain segments will continue, but on the other hand, it will be smaller than in previous years.
RB.RU presents Fintech card with specialized Insurtech tools for insurance digitalization
Many participants of the Russian insurance market believe that the life insurance segment will face the most significant changes in the near future.
However, it has a chance to grow:
• NUJ policies have become more popular among zoomers and millennials - before they were bought mainly by middle-aged customers;
• In the segment of the NUJ flows a part of the people who previously issued the ILI.
ILI gave a greater yield, but in the conditions of the crisis protective tools are more in demand - like the NUJ.
Auto insurance
In the auto insurance segment, the situation is ambiguous: in 2021, a revival began in it, the volume of insurance premiums increased by 9%.
But, according to ACRA experts, this was due to the rise in price of cars, which increased the cost of the average insurance premium.
According to the results of 2022 and in 2023, the volume of premiums will continue to grow - there is a positive trend at least in the first half of the year:
1. due to the next rise in price of cars and spare parts for them;
Because many car owners will have to think about how to extend the life of the machine due to problems with the supply of dealers associated with restrictions from the EU, the United States, Japan.
According to our estimates, there will be no special changes in the sale of CTP policies - it has always been quite stable, yet it is mandatory for motorists.
With CASCO, the situation may be different: this policy is usually issued for expensive cars and when buying on credit from the cabin - then CASCO is mandatory.
However, now many Russians refuse to purchase new cars: prices have increased significantly, popular brands have left the market.
Therefore, the sales of CASCO may decline in the near future.
See also: In the hull for electric vehicles began to include the risks of battery damage and spontaneous combustion
However, the demand for mini-CASCO can grow - this is insurance against major risks that go beyond the capabilities of OSAGO policies: for example, car theft, fire.
Technology will continue to go deeper.
Since 2020, technologies have been actively penetrating the Russian insurance market, and this trend will continue in 2023, despite the decrease in the volume of insurance premiums and the general crisis tension.
Russian insurance is becoming more digital and moving online, the share of remote sales and consultations is growing.
Read also: Research – what will help FinTech companies to increase the level of manufacturability?
According to Renaissance Life analysts, before many insurance agents were sure that it was impossible to sell a policy without personal contact with a potential client.
Many people do not think that they need a policy of the NUJ, and this is a product of native demand, to which it is difficult to lead remotely.
However, the pandemic has shown that online work with the client can be very effective, so companies are developing a model of digital — physical contact and digital.
However, more often they will not go online.
In 2021, almost 90% of insurance companies sold policies on online platforms, and the volume of such sales for the year increased by 50%.
But it is too early to say that the Russian market is waiting for the global transition of the Russian insurance market to online.
In 2020, the share of premiums collected via the Internet in the total volume was 5%, in 2021 - 10%.
Further growth will be just as slow but stable.
• Basically, CTP policies are sold via the Internet - this is the locomotive of online sales in the Russian market.
• Followed by insurance going abroad, then the NUJ, property and life.
The main platform for selling policies is marketplaces: according to 2021, 40% of companies are placed on 10 or more marketplaces.
And of the 30 major players in the market, 26 use this platform.
The only thing that can slow down the penetration of technology into the insurance market is the forced search for new IT solutions for business (most of them were foreign).
Deep Transformations in the Reinsurance Segment
In May, major insurance companies said that there were many problems in the market due to difficulties with currency payments and transactions with non-residents - transactions were blocked, carried out very slowly.
Foreign reinsurers in contracts began to replace a subsidiary of the Central Bank, RNPK, which eventually became a monopolist.
However, neither the activity of RNPK nor the potential emergence of a Russian alternative to this company will immediately restore the reinsurance market.
According to estimates of the Bank of Russia, in the second quarter of 2022, the volume of premiums transferred to reinsurance decreased by almost 30% compared to the second quarter of 2021.
And in the third, it fell by another 15%.
Turn to the East: how Russian business can find opportunities in China
The search for new partners abroad will be one of the main trends of 2023.
According to Rosgosstrakh experts, Russian insurers will shift their focus to the markets of Asia and the Middle East: they have already looked in this direction in recent years, but mainly to China.
Now the movement to the East will become more intense.
The market can consolidate
The decrease in the volume of insurance premiums, which was observed in the first half of the year, was replaced by a slight increase in the third quarter - by only 0.8%, but after negative dynamics this is a good result.
According to analysts of the Central Bank of the Russian Federation, credit activity of the population has increased, therefore, the fall in the areas of life and health insurance has slowed down, and fees in the NUJ, CTP and property insurance of legal entities continue to grow.
And it is not excluded a significant increase in premiums in the segment of the NUJ in 2023.
Nevertheless, it is too early to wait for a quick recovery of the insurance market, and some of its participants assume that there will be a transformation in it.
While large players will increase the volume of insurance premiums, small ones will be forced to look for ways to stay afloat.
This may lead to further mergers and acquisitions and, as a result, to market consolidation, according to analysts of Rostec.
Cover photo: Shutterstock / Jokiewalker
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Title:

Content: 63% expect the impact of technological changes on jobs and 54% expect the impact of climate change on jobs.
• Nearly half of employees in the region are considering changing employers over the next 12 months.
• Employees prioritize skills development: About two-thirds (61%) of employees say they need to learn new tools and techniques to perform their jobs.
• More than 25% of workers in the region regularly use AI at work, acknowledging the risks such as bias (64%) and misinformation (56%).
Flexibility is essential: The percentage of employees in the region (81%) who value flexibility is higher than the global percentage (65%), while 81% of workers in the region say they work remotely with the consent of their employer.
Dubai, UAE: Employees in the Middle East are actively embracing transformation and showing greater alignment with their organizations ’ long-term goals than their global counterparts.
According to PwC Middle East ’ s latest Middle East Workforce Hopes and Concerns Survey for 2024, 85% of the region ’ s more than 1,500 employees clearly understand their organization ’ s goals, surpassing the global average of 77%.
In addition, there is a high level of confidence in leadership, with 80% of employees expressing confidence in their leaders ’ ability to deliver on commitments and promises, higher than the global average of 68%.
The survey also reveals a strong desire for financial improvement and career advancement among employees in the region.
This is evidenced by 44% of respondents considering changing employers over the next 12 months, compared to just 28% globally.
Moreover, 71% plan to ask for a pay raise, a significant increase from the global average of 43%, and 67% seek promotions, compared to just one-third globally.
Opportunities to learn new skills are an important determinant of employees ’ decisions to stay with their current employer, with 67% of respondents citing this, compared to 47% globally.
Desire to acquire new skills, driven by technology and climate change
According to our survey, the workforce ’ s strong desire to acquire new skills is driven by the region ’ s rapid technological progress and the urgent need to tackle the climate crisis.
In the Middle East, 63% of respondents believe that technological changes, especially the rise of artificial intelligence, generative artificial intelligence (GenAI) and robotics, will affect their jobs in the next three years, compared to 46% globally, while more than half believe that climate change will affect their jobs in the future, higher than the global figure of 37%.
Furthermore, 53% of employees in the region expect that climate change will generate health and safety risks in their workplace, while more than a third (37%) of workers believe it could lead to job losses.
Collaboration and flexibility are also highly valued in the region, with 87% and 81% of employees prioritizing these two aspects, respectively.
These figures exceed global averages of 63% and 65%, respectively, reflecting a work culture in the region that values teamwork and flexible working arrangements.
Randa Bahson, Head of Employment and Social Development and Public and Government Partner at PwC Middle East, said: “Employees in the Middle East are increasingly interested in organisations investing in their skills.
Employees are eager to keep up with developments and succeed in a rapidly changing business landscape driven by technology and climate change.
Employers in the Middle East should initiate skills-enhancing programs that focus on actively engaging employees to transform them into individuals who contribute to the company ’ s success.
Investing in employee training and technology platforms is imperative in order to reduce stress and retain the best talent. ”
Employees seek to develop their technological skills to relieve work stress
The Middle East is witnessing a marked increase in the adoption of emerging technologies, including artificial intelligence and machine learning, with 81% of employees in the region using generative artificial intelligence (AI) at work over the past 12 months, compared to 61% globally.
While 25% of respondents regularly use generative AI at work, nearly half are aware of the risks associated with generative AI such as potential bias (64%) and misinformation (56%).
This high level of digital literacy reinforces employees ’ desire to join skills development programs, which 67% of employees in the region consider a factor in their decisions to stay with their employers.
The region is witnessing a rapid shift to focus on skills, with a majority (61%) of respondents saying they need to learn new tools and techniques to get their jobs done.
Specialized skills are becoming increasingly important, with 80% of respondents with similar training satisfied with their job, compared to only 43% without specialized training.
This shift underscores the importance of continuous learning and the development of specialized skills in promoting job satisfaction and employee retention.
Preference for remote work
As global cities become digitally enabled hubs, employees are increasingly embracing hybrid business models.
According to our survey, 60% of all respondents believe their jobs can be done remotely, and 86% have worked remotely from another country in the past 12 months.
The increase in telecommuting has contributed to a culture of transparency, with 81% of respondents in the region working remotely from different countries with employer approval, compared to 51% globally.
In line with the region ’ s evolving digital landscape, organizations recognize the benefits of unconventional work arrangements that offer unique benefits such as cost efficiency, ease and convenience, and improved work-life balance.
About PwC
Our goal at PwC is to foster trust in the community and solve important problems.
PwC is a network of companies in 151 countries with 364,000 employees committed to providing the highest quality audit, advisory and tax services.
For more information, please visit our website www.pwc.com.
PwC was established in the Middle East more than 40 years ago and has 30 offices in 12 countries, with approximately 11,000 employees. (www.pwc.com / me)
PwC refers to the PwC network and / or one or more of its member companies, each of which is an independent legal entity.
For more information, please visit www.pwc.com / structure.
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Title:

Content: Market to others as you will be marketed to them.
The following article will help you: Market to others as you will be marketed to them
A little self-awareness goes a long way when implementing campaigns
What is it about marketing that makes smart people lose their heads?
Why does the desire to attract more leads and hope for revenue growth blind people to seeing the world as clear minded, empathetic, and conscious individuals?
We often ask business leaders to think only about their expectations when planning their marketing and sales campaigns.
For the most part, this is sound advice.
But there ’ s someone else you need to think about: you.
If you ’ re looking for insight into successful marketing tactics, look in the mirror.
Each of us is marketed endlessly.
Some of them work.
We all click on interesting ads.
We all consume content to learn more about newly discovered services.
We all buy new products we didn ’ t know about yesterday.
Why? Why?
What triggers these behaviors?
Having a little self-awareness about how to market to you and successful strategies can help you run more successful campaigns.
Unfortunately, many companies, and even a large number of professional marketers, do not think this way.
Instead of using personal buying experiences to guide their efforts, they resort to methods they will never respond to.
Usually, there is no other reason than self-interest, a desire to attract more leads and fill the sales funnel.
Here are four examples of tactics that can benefit from reducing self-interest and increasing self-awareness.
Work ads on social channels
Not so long ago, I was watching a YouTube video, a non-work related ad, and a job related ad was introduced.
It was surprising because it goes against the typical B2B paid game rules that ignore all channels other than Google Search or LinkedIn.
Common thinking suggests that these are the channels people go to for “business ” information, and therefore they should be targeted there.
But wait.
Is this really how you use digital channels?
At 5pm, when you scroll Instagram, Facebook or YouTube (because there ’ s no way to do it during office hours), does your professional brain completely shut down?
Have you suddenly become a completely different person and have no interest in this new software that can make your job easier?
Of course not.
Just showing it to you on a channel that ’ s usually used for social communications doesn ’ t make advertising any less interesting or less effective.
And it ’ s possible that you clicked on some of these ads or just read them (and that ’ s also a valuable action, by the way – clicks aren ’ t everything).
On a personal level, social advertising is one of the most effective marketing tools I encounter.
I click on good products all the time and discovered dozens of new products and services that I became a customer of.
Bold Creative
Every company wants to stand out, yet many don ’ t see the connection between strong creativity and attention-grabbing.
Even when they have an appreciation for strong creativity, many put an end to it as bold.
It ’ s as if they want to stand out, but in a way that also fits well with what others are doing.
But think about your own experience.
What catches your attention?
What are you tapping?
If you ’ re like me, great design content and the powerful message that makes me stop and think, or better yet, feel.
Our digital worlds are packed with content, most of which have been created in the same safe and uninspiring way that has managed to look good without attracting attention.
Most likely, great creativity attracts your attention every day, so stop being afraid to be too bold.
Embrace outstanding creativity to help you stand out from the crowd.
Walled content
Everybody wants leads.
But for the average person walking around online, there ’ s nothing more frustrating than clicking on content that interests you to find out it ’ s blocked.
I see. You want potential clients.
But you lose opportunities by people insisting on filling out forms after clicking on your awesome ad or call to action.
I refuse to fill out a content form.
In the rare cases where I fill out a form, I use an alternative email account.
Looks familiar?
Most of the people I talk to do the same.
There was a time when people were filling out forms for content. But now?
There ’ s a lot of content available, and if you don ’ t give it to me, your competitor will do it.
Is that what you want?
I just want to get to know your product, and you're putting a barrier in my way.
Think about it for a moment.
By entering content, you ’ re preventing over 80% of people who have shown interest in your business (assuming you ’ re lucky enough to get a 20% conversion rate in a form) from getting information that could turn them into a customer.
I haven ’ t yet met anyone who likes to watch walled content, so stop expecting your potential customers to be an exception to the rule.
Cold Sales Playgrounds
You ’ ll notice I didn ’ t say cold emails.
I actually don ’ t mind sending cold sales emails that are informative, educational and heighten my awareness of a product or service I didn ’ t know anything about.
But I don ’ t like cold presentations or sales sequences whose sole purpose is to make a call.
You know you get these emails, and you can even use them — two lines of copy about a product, then press hard for a meeting.
To be honest, I find these emails a bit useful, and terrible as well.
Like George McFly in Back to the Future, they let me scream, “Get your fucking hands off me! ”
Be honest with yourself.
Do you respond to this type of email?
Do you click reply and immediately set up a meeting two minutes after you recognize this product?
Probably not.
Nobody buys that way.
Certainly not personally.
Email, like so much of everything else in digital media, makes it incredibly easy to progress and feel like you have nothing to lose.
But you have something to lose: work.
For every two buyers who set up a meeting (likely people who are already willing to buy), you ’ re shutting down hundreds, if not thousands, of other potential customers.
Interact with people the way you like to be sold when you first meet someone.
Introduce yourself and your product, then make yourself available to answer questions or provide more information.
Be the store salesperson who comes to say “hello ” and answers any questions, but then says tastefully,“ I ’ ll be there if you need anything ” while you think things through or talk to your partner.
Be smart, not pushy.
Be helpful, not helpful.
Create mutually beneficial marketing
For many, the term marketing has a negative connotation associated with selfish tactics employed by self-serving companies.
Asking you to think about yourself when planning your marketing is not an invitation to more self-interest.
It is a call for more compassion, awareness and understanding.
When marketing and sales are done well, they provide a mutually beneficial experience that enables companies to educate people about their products and services and allows customers to make honest and informed decisions about purchases that can make a difference in their lives.
By putting yourself in the buyer ’ s shoes, thinking about what you like and don ’ t like, what works and what doesn ’ t, you get closer to creating that experience and achieving those two goals.

#### Recent Trends in MLM Popularity

1.

Title:

Content: April 27, 2023
HomeTelecomArticlesMastercard Global Economy Institute has published a report on trends in retail trade in...
Mastercard Global Economy Institute publishes Retail Trends Report for 2023
Over the past 5 years, Azerbaijan has been one of the leading countries in the world in terms of the growth rate of contactless payments.
The report describes the impact of changes in the economy on consumer choice, as well as the importance of data analytics and various payment options to improve consumer demand in 2023.
It also contains information on the situation in the world economy.
After the pandemic, global retail is also going through a period of change.
For retailers today, it is more important than ever to study this process carefully, understand consumers ’ desires and offer them the right customized solutions and payment options.
The Mastercard Global Economy Institute report provides information on retail trends around the world and consumer preferences for 2023.
These trends include the impact of the economy on consumer choice, the role of data analytics and loyalty in shaping demand, expanding payment options, and improving shopping experiences.
Despite global inflation, the share of travel and food spending will increase
Despite rising global inflation, many consumers are cutting some of their daily spending in order to maintain their travel and eating habits, according to the report.
The study notes that the increase in food inflation is forcing consumers to choose more affordable stores and brands for daily food spending.
In the market of furniture, electronics and clothing, which can be called luxury goods, consumers are more limiting their spending and prefer to shop online.
A report by the Mastercard Institute of Economics shows that the share of travel and experience spending in total consumer spending will increase in 2023, while the share of luxury consumption will decline.
On the other hand, Mastercard data shows that the continued preference for using debit cards over credit cards when making purchases is again shifting in favor of credit cards.
This process is already taking place in Azerbaijan.
Thus, according to calculations, debit cards have been a driving force in the market of payment systems of Azerbaijan for many years, but there were certain restrictions related to both ownership and use of credit cards.
However, in parallel with the recent double-digit inflation, the appeal of credit cards, which allow you to repay debt later and offer installments, has also increased.
This situation is already reflected in the figures.
In 2022, the number of credit cards almost doubled compared to debit cards, and credit cards claimed a significantly larger share in the total volume of card transactions.
This trend is likely to continue, with new credit cards being issued with lucrative offers.
Understanding the consumer is more important than ever before.
Consumers try to manage the regular flow of information coming through mobile marketing tools such as messaging, social media, email, and advertisements.
On the other hand, economic conditions, data protection, inflation, epidemics and various social problems increasingly challenge retailers to create a point of contact with consumers in an increasingly competitive environment.
The report from the Mastercard Institute of Economics explains that retailers need to take action quickly and evaluate the results of all steps, as consumer habits are constantly changing, and at the same time they need to be active in applying various marketing tools.
According to Mastercard analysis, Azerbaijan has been one of the leaders in terms of growth rates of payments using bank cards over the past 5 years.
The increase in the share of card payments in total daily expenses from 5% to 25% is a clear indication of this fact.
Of course, there are important factors that determine this growth.
The first is the rapid growth in the number of people in the banking ecosystem, as a result of which the total number of cards per person in the country has doubled over the past 5 years.
The second factor is the increase in the number of cashless payment points across the country and the introduction of profitable reward programs by banks, which helps cashless transactions exceed cash when shopping.
The growth of e-commerce and restrictions on the use of cash, especially during the pandemic, are also encouraging consumers to use bank cards for purchases.
Different payment options ensure loyalty
A report from the Mastercard Economics Institute 2023 claims that before e-commerce became widespread and in-store purchases prevailed, payments were made only by card or cash.
Therefore, the ability of a business to offer different payment options is one of the key solutions to increase customer loyalty for retailers in 2023.
Increased use of contactless cards
While the use of contactless card payments in stores has increased in the context of the pandemic, the Mastercard New Payments Index (NPI) survey published in March 2022 showed that 44% of consumers worldwide prefer contactless card payments.
In addition, 64% of respondents say they are more likely to make online payments by entering card data manually in 2023.
According to a report from the Mastercard 2023 Institute of Economics, which confirms the results of the NPI survey, the future of e-commerce now depends on the ability of card issuers, payment solution providers and retailers to turn the use of contactless cards in stores into a standard one-click solution for online payments.
According to Mastercard data by country, Azerbaijan is one of the leading countries in terms of smartphone use – with the number of smartphones exceeding 70%, it bypasses many European countries.
This impact is also evident in the rapid introduction of new payment methods.
More than half of all card transactions in the country are registered in online commerce, and this figure is growing.
On the other hand, after the launch of Apple Pay in late 2021 and Google Pay in 2022 in the country, the use of smartphones for physical purchases has also increased dramatically.
According to current statistics, 1 out of every 7 physical payment transactions in Azerbaijan is carried out through smartphones.
With the emergence of new applications of cashless payment applications, such as public transport, it is not difficult to predict that in the near future smartphones will be used more intensively than plastic cards.
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Content: In the current environment, mediation is one of the best ways to resolve disputes
Expert opinion
Over the past year, after all the transformations that have occurred, it has become easier for companies to navigate the legal information field.
However, there are still trends of instability, active lawmaking, which requires clarification.
Svetlana Guz, Managing Partner of Legal to Business Law Bureau, tells about current business requests to lawyers, the growth of the state and near-state segments and why it is better not to bring proceedings to court, but to use the mediation tool.
BUSINESS GUIDE: How have business requests for lawyers changed over the past year?
SVETLANA GOOSE: In 2023, many things became clearer, comments and practice appeared on controversial issues.
However, the trend of instability and active rapid lawmaking persists, which can not but affect business.
A large percentage of appeals is associated with consulting services - clarification, monitoring, analysis of legal innovations.
Today, due to the crisis, the number of requests for restructuring and bankruptcy has increased.
The number of requests related to parallel imports, the registration of new trademarks (brands), the opening of production facilities in Russia, in connection with the mass “departure ” of foreign companies has also increased.
The termination of relations with foreign partners provoked a rupture of logistics chains, an increase in violations of supply contracts, contracts and, in general, a massive failure to fulfill previously arising obligations.
In the current situation, the number of requests for mediation services has increased – this is a tool that allows not only to effectively resolve a dispute at the stage of pre-trial settlement, but also during complex trials.
There are still requests for sanctions audit, relocation support and protection of property of citizens outside the escort of the Russian Federation.
This "layer" of issues will be relevant, as long as new sanctions measures appear, a difficult economic and geopolitical situation remains.
BG: What difficulties can companies with employees working in other countries face today?
S.G.: An important risk factor is associated with the repeated statements of the Ministry of Labor that the Labor Code does not provide for the possibility to conclude an employment contract with an employee working remotely in another country.
The main argument is that it is difficult to organize safe conditions and labor protection of an employee remotely, and the legal acts containing labor law norms are valid only in Russia.
Despite the fact that some court decisions confirm the possibility of remote work abroad, and the Labor Code does not contain an express prohibition, the risk that an employment contract with a remote worker is recognized as illegal remains.
In this case, the company faces a fine of 50 to 100 thousand rubles.
Of course, there is an alternative - the conclusion of a GPC contract for the provision of services.
However, this decision is fraught with many risks, since there is no control on the part of the employer.
In addition, if an employment contract was previously concluded with the same employee, chances are high that the GPH contract will be requalified in the labor court, which may entail the responsibility of the employer, in particular, a fine of up to 100 thousand rubles.
BG: What are the risks for the relocators in terms of taxation?
S.G.: In terms of taxes, too, there are difficulties: if an employee was outside the Russian Federation for more than 183 days for 12 consecutive months, he loses the status of a tax resident of the Russian Federation.
The personal income tax for non-residents is 30%.
In addition to raising the personal income tax rate, there is a risk of untimely notification of the employer about the loss of the employee ’ s tax residency status.
In this case, for the payment of personal income tax for such an employee at the rate for residents of the Russian Federation, the employer will be fined.
In April of this year, the state Duma was amended to tax legislation, some of them affect remote workers.
Thus, amendments are proposed to Art. 208 of the Tax Code of the Russian Federation, which specifies which incomes are considered income received from sources in the Russian Federation, and which are not.
It is proposed to supplement the list of income from sources in Russia with remuneration for work performed (services rendered, transferred rights to use the results of intellectual activity) on the Internet if an employee works abroad using Russian domain names and network addresses or technical means located in Russia.
At the same time, the conditions under which the taxpayer is a tax resident of Russia, the income is transferred to an account in a Russian bank, the source of payment is Russian organizations or separate subdivisions of foreign organizations in Russia.
It is not yet clear which categories of employees will be affected by these changes.
The bill will be finalized and modified for the second reading, so it is premature to draw any conclusions.
BG: Continuing the topic of taxes, how do you assess the consequences for business from the abolition of consolidated groups of taxpayers?
S.G.: The decision to cancel the consolidated groups of taxpayers (CGN) will certainly cause an increase in the tax and administrative burden on business.
This burden is especially noticeable in the context of sanctions.
The motivation of the state is clear: there were allegations in the Federation Council that consolidated groups of taxpayers often concealed profits with the help of unprofitable enterprises.
It is difficult to disagree with the low efficiency of the REAG regime as a whole: unfortunately, numerous studies indicate that income from income tax at both the federal and regional levels has significantly decreased during its application.
But is this innovation good for business?
I think the answer is obvious.
BG: Are there any interesting things this year that have a chance to be showcased?
S.G.: In my opinion, the court proceedings that Gazprom Export has been facing recently are extremely interesting.
In addition to the lawsuits filed by the German companies Uniper (at the end of November 2022) and RWA (in December 2022), a legal dispute was also initiated by the French company Engie.
All of them require Gazprom Export to pay fines and compensation for losses incurred as a result of non-fulfillment of obligations.
Engie ’ s decision to file a lawsuit in the arbitration court was connected not only with a significant undersupply of gas, but also with the unilateral decision of Gazprom Export LLC to reduce supplies due to disagreements between the parties.
Thus, this is the third lawsuit against Gazprom Export in a similar situation.
I would like to emphasize that Engie is an important partner of Gazprom, the company owns stakes in Nord Stream pipeline operators.
The “evidence ” of cases is that there are not enough precedents yet.
Whether the courts will consider sanctions and sabotage on the Nord Stream and Nord Stream 2 gas pipelines as force majeure, unforeseen circumstances (as happened in the dispute between Gazprom Export and the Finnish energy company Gasum), we have yet to find out.
BG: What corporate disputes of the past year have had an impact on practice, including in your company?
S.G.: Speaking about our practice, I will mention the vivid corporate conflict of one of our clients.
The opponent initiated eight court cases, complaints to the supervisory authorities, and the escalation of the conflict threatened the loss of the general contract in the Leningrad region for several tens of billions of rubles and, as a result, the potential bankruptcy of the client.
With the help of our team, we were able to settle a rather complex dispute with the help of mediation tools and proved that properly organized negotiations really work, which allowed not only to resolve the dispute between the parties, but to preserve the client ’ s business.
In the current realities, mediation tools that reduce time and minimize reputational risks are one of the most effective ways to resolve conflicts.
BG: Do mediation tools work in any disputes?
G: Practically yes.
A good example is the employment relationship.
When a dispute between an employee and an employer enters the public sphere, it is bad for both parties, the parties bear, among other things, significant reputational risks.
For the company, litigation is a minus to the reputation rating, not to mention the fact that judicial practice in labor disputes tends towards the employee.
For an employee, it is likely that such a dispute will complicate the further search for a good and highly paid job, and therefore, will affect the further development of a career, since any self-respecting employer always monitors such cases in the biography of applicants.
Mediation helps not only to resolve the conflict, but also to neutralize reputational risks, taking into account the interests of both parties.
In addition, the negotiation process ultimately saves resources - time and money.
Therefore, it is more profitable to sit at the negotiating table and resolve a dispute with a win-win result than to bring the case to court.
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Content: 11.02.2022 11: 42 Evgeny Klochko
What Ukrainians should prepare for in 2022: an analysis of the situation in Ukraine and Kharkiv region
The COVID-19 epidemic in 2020 and the ensuing lockdown had a negative impact on the global economic situation.
Socio-economic losses have not spared Ukraine.
The crisis caused by COVID-19 has significantly shaken the financial and economic state of the country: there was a drop in official employment and real GDP, significant losses were incurred by the corporate sector, the flow of foreign investment has decreased, the national currency is becoming cheaper.
The International Monetary Fund has worsened the assessment of the growth of the economy of Ukraine in 2021 to 3.2%, according to the IMF press release.
The Fund notes that the economic recovery, which began in the second half of 2020, stalled in 2021.
2021 turned out to be difficult for Ukrainian business - at the beginning of the year, representatives of the service industries, hotel business, tourism had to go through another tough quarantine, during the remaining months the work was carried out in conditions of various restrictions.
As a result, the number of new firms opened in the country decreased (by 1,400 compared to 2020).
In addition, the tax press has increased, the scandalous “tax amnesty ” has not justified itself (the pace of legalization of shadow property leaves much to be desired), and the laws“ on oligarchs ” have increased the tax burden not only on billionaires, but also on medium-sized entrepreneurs.
Almost half of small and medium-sized businesses describe their situation as a “disaster ” and estimate their company ’ s survival rate at 50% or less.
The situation in the industry also gives serious signals.
Chairman of the Council of the Federation of Employers of Ukraine (FRU) Dmytro Oleinik says that the FRU conducted a survey of one hundred Ukrainian companies that use natural gas, operating in 20 industries.
Already in October, due to the price of gas, 91% of the companies surveyed became unprofitable, and in November their number increased to 96%, although these enterprises were profitable in January-July.
These are companies from various industries: chemical, food, ceramics, glass, pharmaceutical companies (where there is a drying of herbs).
“Now we ’ re going to see the domino effect.
When in December the crisis will affect more than 50% of enterprises, because more than 49% of the enterprises we interviewed said that if the price of gas will remain as high as in October, they will either stop or reduce capacity, and the latter is an even larger cash gap, because you need to pay salaries, land tax, etc., and from this moment the enterprise needs to go to the bank to take a loan, and the bank asks for the balance to show, and sees the balance in passing And he refuses.
This will be a point of no return for many businesses, ” explains Oleinik.
The consequence of all this can be a rise in price not only food, but also building materials, dishes, chemical products, utility bills.
No stabilization measures for the industry by the leadership of the country is not planned, say the heads of enterprises.
Also, no support fund was not included in the state budget for 2022.
Economic situation of the population
In December, according to the State Statistics Service, the minimum wage in Ukraine was 6 500 UAH.
Consumer prices in December 2021 for the month increased by 0.6%, and for the year - by 10%.
Core inflation for the month was 0.4% or 7.9% for the year as a whole.
This inflation rate is a record in Ukraine since 2017.
Along with salaries and pensions, prices for food (+ 10.8%), transport (+ 10%), and utilities increased significantly (natural gas rose by 65.8% over the year, electricity rose by 34.1%).
In the third quarter of 2021, according to the Ministry of Finance, 1.6 million people were unemployed in Ukraine.
Last year, Ukrainian workers were not paid 3.9 billion hryvnias.
Payroll arrears have increased by 51% since the beginning of the year.
According to the statistical office, the amount of debt at enterprises that ceased to submit reports during 2019-2020, as of December 1, 2021, amounted to 157.7 million UAH.
The main share of salary debts is accounted for by industrial enterprises (76.1%).
Situation in Kharkiv region
Kharkiv region ranks second in terms of wage arrears at industrial enterprises (12.4%).
The first place among enterprises of the Donetsk region (24%), the third - (12.3%) of the Dnipropetrovsk region and 13.3% - Kiev.
In the past year, the rate of decline in industrial production has also accelerated.
According to the regional state statistics, the decrease in industrial output occurred at enterprises supplying electricity, gas, steam and air conditioning (by 25%), mining and quarrying (by 7.9%), in the production of basic pharmaceutical products and pharmaceuticals (by 11.9%).
For 10 months of 2021, compared to the same period of the previous year, the decrease in industrial production amounted to 6.6%.
Projections for 2022
Experts are cautiously optimistic about the forecasts for 2022.
On the one hand, the pandemic effect is expected to be exhausted, global economic growth and favorable terms of trade are expected.
On the other hand, at the beginning of 2022, Ukraine found itself in the center of a new geopolitical conflict, threatening, among other things, escalation on the line of contact.
With a further deterioration of the situation, it will be impossible to talk about any economic growth or even stabilization of the situation.
Therefore, for every Ukrainian, issues of stability, security and, most importantly, confidence in the future are becoming extremely popular.
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Content: Philips Future Health Report 2023 highlights Saudi Arabia ’ s role in promoting a patient-centered healthcare model
Healthcare has emerged in recent years as one of the indicators that reflect the economic resilience and competitiveness of countries, while the continuous digital transformation has contributed to a new consideration within this field.
Progressive economies have digitized health systems by embracing data portability, advanced diagnostic tools, and artificial intelligence to improve patient experiences, enhance operational efficiencies, and access affordable healthcare services.
According to the Philips Future Health Index 2023 report, Saudi Arabia is actively pursuing similar transformations.
The Philips Future Health Index 2023 report is based on company research involving nearly 3,000 healthcare leaders and young healthcare professionals in 14 countries, including Saudi Arabia.
Mohammed Mostafa, General Manager of Health Systems at Philips Middle East, Turkey and Africa, noted that the report highlights the gradual transformation of the healthcare sector in the Kingdom: “The ambitious transformation journey in the healthcare sector is marked by a firm commitment to innovation and digital evolution.
It is clear that the Kingdom is keeping pace with the changes and making tireless efforts to shape the future of the healthcare sector. ”
It is clear that these transformations are the result of the adoption of innovative technological solutions.
Adoption of technology in the healthcare sector in Saudi Arabia
The comprehensive report indicates that about 63% of healthcare leaders in Saudi Arabia are using or planning to use digital healthcare technologies to help reduce the impact of workforce shortages.
These positive indicators were supported by the consensus of 53% of respondents that innovative care delivery models can improve patient safety, affordability and value for money.
Therefore, the adoption of patient-centric models is one of the key factors for the adoption of digital transformation in the Saudi healthcare sector.
Today, the popularity of AI is evident, with 77% of industry leaders currently benefiting from the power of AI, up from 46% last year.
The percentage of companies willing to boost their investments in AI has risen to 96% in the next three years, with a focus on continuing the development approach, reinforcing the Kingdom ’ s leading position in the global healthcare sector.
The continued adoption of technology is expected to provide exceptional benefits, including that the desired paradigm shift is primarily the result of a result-based digital transformation methodology.
The advantages of this methodology are reflected in the use of technology to empower employees and workers in the healthcare sector.
Empowering employees through technology
The report notes that there is a disparity in the high levels of stress and burnout among health care workers.
The many drivers include traditional processes that require a huge mix of paperwork and cumbersome legal work, where digital reporting and cloud-based healthcare data management reduce the need for physical labor, as well as enhance employee productivity by making it easier for them to access the required information, while increasing operational efficiency.
About 63% of healthcare leaders in Saudi Arabia are using or planning to use digital healthcare technologies to help reduce the impact of workforce shortages.
Mohamad Mostafa added: “Saudi Arabia ’ s healthcare leaders are turning to technology solutions to increase productivity and satisfaction among healthcare professionals.
These investments play a vital role in attracting and retaining talent, as well as enhancing the delivery and efficiency of care services. ”
Young professionals are moving towards data-driven processes, as technology adoption by healthcare providers allows talent to be attracted, and this efficiency plays a role in enhancing operational flexibility, contributing to positive business outcomes.
The Philips report also noted the growing involvement of young healthcare professionals in shaping the future of the sector.
About 35% of young healthcare professionals in the Kingdom prefer to work within a health facility that provides connected care with simplified clinical pathways.
In choosing the workplace, 35% of respondents stress how important it is for healthcare facilities to adopt AI in healthcare and use technology in various daily tasks.
Young healthcare providers see improvement in patient education as a key benefit of technology-based healthcare models, as well as increased patient compliance or adherence to treatment protocols and external partnerships to achieve positive community-led health outcomes.
But these findings will inevitably have an impact on healthcare providers ’ business decisions and related government policies as well.
The role of partnerships in strengthening community health systems
The Philips report highlights the importance of external partnerships in developing patient-centric and data-driven models of care.
“Strategic partnerships play a pivotal role in driving innovation and sustainability within the healthcare sector, with 38% of industry leaders planning to collaborate with healthcare technology companies and adopt a new strategic approach to leveraging external expertise.
“Young healthcare professionals are showing a similar trend, wanting to adopt new partnership models that go beyond the industry ’ s traditional frameworks to improve patient outcomes. ”
Mostafa ’ s views are based on the need for health systems to keep pace with the growing demands of patients in the post-COVID-19 era. Patients are increasingly seeking greater levels of transparency and accountability in these systems, and healthcare providers must collaborate with young professionals to benefit from their new perspectives, especially those related to new technologies.
According to Philips, collaborative efforts in the healthcare industry help provide patients with measurable health value and address complex environmental, social, and governance issues facing the industry.
This idea is supported by the results of the survey, which indicate a consensus among Saudi healthcare professionals of all ages on the importance of collaboration in the delivery of integrated and sustainable healthcare.
Thirty-six per cent of respondents indicated that clear and ambitious sustainability goals should be set with progress measured, and more staff with specialized skills should be hired to promote these initiatives.
Mr. Mostafa stresses that these trends are in line with the objectives of the Kingdom ’ s Vision 2030, which focuses on building cross-sectoral partnerships, enhancing youth participation, and accelerating digital transformation based on a results-based methodology.
“For 90 years, Philips has actively developed the Kingdom ’ s healthcare landscape.
We are committed to supporting the Kingdom ’ s Vision 2030, which is aligned with our mission to innovate for a healthier and more sustainable world.
Our efforts in this ambitious vision are focused on delivering the best innovations that ensure the quality of health care and contribute to raising the standards of health care in the Kingdom. ”
Mr. Mostafa also praised the initiatives launched by the Kingdom within the framework of the Kingdom ’ s Vision 2030, such as the Health Sector Transformation Program, and spoke about Philips ’ plans in the region in 2024 and beyond.
Prospects for the next phase
Philips seeks to leverage the favorable conditions provided by the Kingdom ’ s Vision 2030 to enhance the value it offers in the field of sustainability.
The leading electronics company adopts a goal-driven approach and intends to build strategic partnerships with new partners in the public and private sectors.
According to Mr. Mohamed Mostafa, the company ’ s goal is to provide basic clinical solutions, and to provide healthcare professionals with the support needed to create a patient-centric model that ensures the interests of all stakeholders without harming the environment.
The Kingdom has the best potential to achieve this ambitious goal.
Mostafa added: “Bodies play a pivotal role in developing new models of healthcare delivery. They can collaborate with various stakeholders to identify and institutionalize incentives and standards that govern the healthcare sector, reducing disparities in practices, enhancing coordination across the sector, including greater compatibility between health systems, facilitating secure data exchange, and supporting sustainability and decarbonization efforts within the sector.
Clinical and economic evidence of the benefits of new care models will be critical in the next phase as a key factor in accelerating the adoption of new technology within the healthcare sector.
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**Pandemic Surge (2020-2021)**
   - **Increased Interest**: The onset of the COVID-19 pandemic led to a surge in interest in MLMs.

Title:

Content: Stories
The main trends of 2023 according to Trend Hunter: technologies
Stories
Daria Sidorova
Editor of the "History" department.
Daria Sidorova
Competitiveness and flexibility are important qualities that determine the success of a business.
And to find them, you need to be aware of current trends in your industry.
This task is made easier by the Trend Hunter community, which tracks trends and innovations with the help of AI, big data and human researchers.
This year, the community has traditionally prepared an overview of the most significant trends in various areas.
In this part, we will look at the main trends in the field of technology for 2023.
The main trends of 2023 according to Trend Hunter: technologies
The report includes:
• trends (promising opportunities in the industry);
Insights (motivation of users, their beliefs and points of friction that are behind this opportunity);
• Examples;
• rating (average score, which takes into account the novelty of the trend, the activity of users interacting with thematic articles, and the popularity of the trend within the category).
Apps for parents
They help to raise children and not only
Trend – Apps that help raise children at all stages of their development are gaining popularity.
They simplify many aspects of life, from time planning to tracking the psychological health of children.
Is the Russian IT market ready to provide a competitive replacement - we deal with MegaFon and the experts on the link
Insight – Applications have become an integral part of everyday life: they simplify the receipt of banking services and allow you to manage home devices.
Now consumers are ready to use them in other areas, including for raising children and monitoring psychological health.
• Comprehensive applications for parents.
ParentPal allows you to support and monitor the healthy development of the child.
• Services based on scientific approaches.
Lasting offers a parenting guide that includes self-directed and online classes.
• Applications for divorced parents.
WeParent helps couples in a divorce plan a schedule of communication with the child and much more, and 2houses offers an interactive calendar.
Rating: 5.8.
Investments for Generation Z
Apps and Communities Teach Young People to Invest
Trend – Banking apps, online communities, and services are helping Gen Z capitalize on investing in the new age.
These platforms prepare them for the future in a changing financial landscape.
Insight – Banking and investment services include not only money exchange, but also cryptocurrencies and financial management applications.
The changing financial landscape is affecting consumers ’ attitudes towards their funds: they are increasingly insisting that financial literacy be included in the educational system.
In the meantime, brands and communities are helping to fill this gap.
• Banking and fintech services for Generation Z. Hero Financials is an alternative banking solution for young Canadians.
• Investment applications for teenagers.
Bumper helps teens invest their money responsibly under the supervision of their parents.
• Applications for crypto investments.
Step has launched the first crypto investment product designed for teenagers.
• Investment chats for Generation Z. Finary develop a platform for communication and investment.
Rating: 7.
Education in the field of Web3
Programs and products tell children about Web3
Trend – Web3 technologies are gradually spreading, and some brands have decided to educate children about this issue.
Programs and products in this area cover various aspects, from family NFT marketplaces to platforms where you can learn how to create metaverse.
Insight – Increasing literacy in new technologies is important for people of all ages, but especially for the younger generation.
This is what is likely to grow in a world where these technologies are widespread, not just being developed.
• NFT platforms focused on families.
Toekenz is a marketplace for children where you can find blockchain games, collectibles and communities.
• Training platforms.
Hatch Kids teaches kids how to create metaverse.
• NFT on cult children 's books.
Dapper Labs plans to launch the first NFT platform with the works of children's writer Dr. Seuss.
• Educational metaverse.
Mainbot is developing Winkyverse, the first metaverse with training games.
Rating: 8.5.
Confidential browsers
More and more browsers and extensions give priority to privacy
Trend – Consumers and governments are paying increasing attention to online privacy.
For this reason, browsers and extensions seek to secure consumer data.
Professional, social and entertainment spheres of life of consumers largely take place on the network, because of which data privacy becomes more important.
People are concerned about how their personal information is used and to whom it is sold, as well as turning to tools that ensure online privacy.
• Browsers focused on privacy.
Firefox has activated cookie protection for all users, and the DuckDuckGo browser automatically blocks invasive content.
• Search engines to protect privacy.
Brave Search is an alternative to Google that protects user data.
• Apps for better browser navigation.
Omni is a free extension with many features focused on convenient operation in the browser.
Rating: 5.6.
Education in the Metaverse
This approach offers more immersion than regular online courses
Trend – The metaverse is evolving, with brands and institutions creating spaces to educate customers.
Insight – Over the past few years, virtual learning has become more popular not only because of the pandemic, but also because of its greater accessibility, regardless of geographical and financial location.
The transition to the metaverse offers consumers an even more immersive way to get an education.
• Educational programs in the field of fashion.
The Council of Fashion Designers of America has launched an educational partnership focused on the metaverse.
• Blockchain-based training programs.
A Singaporean startup is creating an educational city called Elite Education City.
• Educational metaverse.
Mainbot is developing Winkyverse, the first metaverse with training games.
• B2B learning platforms.
Frame offers the ability to create educational environments in the metaverse.
Rating: 7.3.
Application Guides
Guides evolve as pandemic restrictions are lifted
Trend – The restrictions imposed during the pandemic are gradually becoming a thing of the past.
In this regard, travel and entertainment guides apps are becoming the norm.
They help to explore the world by reducing contact with tourist groups, which is important as the threat to health still persists.
Insight – Consumers have become more likely to travel thanks to vaccination and the lifting of restrictions.
However, they still adhere to the habits formed during the pandemic, such as choosing online alternatives to certain activities.
The tourism and hotel services industry adapts to these needs through applications.
• Real-time city guides.
The Welcome app provides personalized recommendations for tourists.
• Gamified tourism applications.
Tourism Pursuit helps develop tourism in the South Dundas region of Canada.
Rating: 5.3.
Technology for parks
They help to improve the experience of visitors
Trend – As the digital world becomes more accessible, amusement parks in North America are trying to diversify the customer experience through apps.
Such services provide additional information to make the visit more interactive.
Insight – Consumers are used to interacting with content and various activities through smartphones.
They expect that the offline experience will be complemented by digital components, which encourages companies to offer them such entertainment.
• National parks.
National Park Service collects information about more than 420 parks in the United States.
• Parks for dogs.
Dog Pасk offers detailed maps of places for dog walking.
• Cruises with AR.
Disney Cruise Line offers customers adventures using augmented reality technology through the Disney Uncharted Adventure feature.
• Guides of theme parks.
Disney Genie helps you plan your time in the park.
Rating: 5.1.
Technologies for e-commerce
Technological solutions for safe delivery
Trend – The e-commerce industry aims to deliver goods efficiently and transparently through smart packaging solutions such as temperature control boxes and QR codes.
Insight – Consumers have become more likely to purchase goods online and expect an experience similar to offline shopping.
The growth of the e-commerce industry is prompting brands to prioritize efficiency, transparency, and engagement to meet customer needs.
• QR codes for eco-friendly packaging.
Noissue ’ s packaging platform has acquired Tapkit to create microsites and QR codes for sustainable packaging.
• Boxes with temperature control.
The Ember Cube refrigerated transport container is equipped with smart cloud functions.
• Tracking of B2B products.
Nefab offers Connected Packaging services with tracking features to fix supply chain issues.
• Express delivery applications.
The Sam ’ s Club wholesale store has extended its Scan & Go technology with the Scan & Ship delivery feature.
Rating: 6.4.
NFT Token Rental
Now digital assets can be “rented ”
Trend – Brands create NFTs and platforms that allow consumers to lease and lease digital assets (usually game avatars) and then return them.
Insight – The NFT sphere is expanding its offerings, and brands and users are trying to maintain the relevance of digital assets that have experienced a boom in popularity this year.
• Virtual jackets.
METAJACKET from RTKFT Studios is designed for game avatars.
• Leased digital assets.
The IQ Protocol from PARISQ allows NFT owners to rent virtual land.
• Exclusive avatars for rent.
The reNFT protocol allows you to lease NFT.
• NFT rental platforms.
Vera is a decentralized protocol offering basic financial services for digital tokens.
Rating: 7.3.
Gifts based on blockchain
Cryptocurrencies are used as gifts
Trend – More and more brands offer gifts based on cryptocurrencies: from certificates on NFT to the ability to give cryptocurrencies without commission in applications.
Insight – As companies find new ways to use blockchain, cryptocurrencies become more accessible to the average consumer.
This technology is gradually adopted in society, and users are eager to implement its life in order to conduct secure transactions.
• Gift sets with NFT.
Nike and RTFKT have launched the MNLTH NFT series on OpenSea.
• Holiday NFT-cards.
The company Shutterfly & Iris Apfel has launched an exclusive charity collection of crypto cards.
• Cryptogifts.
In the Cash App, users can give each other bitcoins and shares.
Robinhood also introduced a feature that allows you to give cryptocurrencies.
Rating: 7.3.
Source.
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OPPORTUNITIES
December 04, 2022
December 05, 2022

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Retain and develop.
How employers retain employees in conditions of acute shortage of personnel
Last Friday, February 9, Tomsk hosted the first expert discussion platform for the HR community this year.
The topic of the meeting was trends and strategies in staff motivation and retention.
Invited experts told about what awaits the labor market this year.
They also shared their experience and practices on employee retention.
Trends and prospects
Photo: Seraphima Kuzina
Every year, as an HR community, we face new challenges.
This year is no exception.
We used to look for and attract people, now we are looking for them twice.
Staff retention is on the agenda: how to motivate it so that it does not run away to another employer, ” said Anna Gomozova, Deputy Head of the Department of Labor and Employment of the Tomsk Region.
Head of the HeadHunter Siberia press service Lilia Esaulenko was the first to speak before the audience.
She shared the analysis of the labor market at the end of last year, and also spoke about current trends.
- Last year was very important, because the business came to a very clear understanding: the lack of personnel is not the fault of recruitment specialists.
This is a situation in which everyone finds themselves, and it is called a “labor shortage ”.
There is a decrease in those age groups that are now entering the labor market - from 14 to 35 years.
The labor market is leaving a large generation of 60 +.
Accordingly, we are talking about the fact that there are not enough people in order to fully meet the demand, ” said Lilia Esaulenko.
Photo: Seraphima Kuzina
According to her, one of the results of last year was the understanding that the problem of shortage of human resources is fundamental, it becomes a “new normal ” and it is necessary to work with it.
The second conclusion: the cost of attracting and retaining people will grow for all market participants.
— Now it becomes an absolute necessity to work on the effectiveness of the selection process.
We look at new channels that we can attract.
It is great that employers are turning towards youth communities, but we still do not cover teenage groups, where employers are very inactive, or older age groups, where competition for applicants is low.
But these are all promising areas, - said Lilia Esaulenko.
She stressed that the activity of job seekers in the labor market is growing, but does not show the same dynamics as in demand, lags about three times.
Experts also note increased competition for each individual candidate.
- We see that last year, the competition indicators returned to the indicators of 2021, when for the first time we faced the fact that employers talked massively about the shortage of personnel.
The labor market has not only returned to these low rates of competition for work, but has also updated historical lows.
In 2023, the index fell below the minimum values   that were recorded in 2021, - said Lilia Esaulenko, stressed that in Siberia the deficit situation is more pronounced than in Russia as a whole.
The greatest problems with the shortage of personnel are recorded in the field of retail trade and working professions.
At the same time, hunger affects the level of wages.
So, in general, for Russia at the end of the year, their expected level is higher than the proposed one.
Photo: Seraphima Kuzina
Applicants have already indexed their salary expectations.
They want to earn more than the labor market currently offers.
The same advance of expectations regarding the market we see in five Siberian regions: Krasnoyarsk Territory, Omsk, Tomsk region, Kuzbass and Altai, — said Lilia Esaulenko. — This means that employers will inevitably have to tighten the offered [amounts], otherwise it will be impossible to compete for personnel.
It is very interesting that in the regions of Siberia, where the average salaries lag behind the average ones, applicants are more actively increasing their salary claims.
If the average expected wages in Siberia increased by 13% from the year, then in a number of regions, including the Tomsk region - by 25%.
Despite the difficulties with the selection of personnel, every fifth company evaluated 2023 better than the previous three.
More than half of employers raised their employees ’ wages last year, with far fewer engaged in improving working conditions for workers.
Entrepreneurs are also positive about the prospects for their business in 2024.
The number of negative assessments decreased by three times, positive ones increased by three.
— The business is set on the fact that there will be development, growth.
More than half of the companies plan to increase hiring.
Reductions are expected to be less than 10%.
the number of vacancies will increase by about half of last year's.
At the same time, the number of free people who can enter the labor market is only 9%.
So there is probably no hope that it will be easier to find people this year.
We do not see the bases for this, ” said Lilia Esaulenko.
Photo: Seraphima Kuzina
To maintain competitiveness, companies intend to increase budgets for the wage fund.
In addition, the focus has shifted to staff retention.
Working with the employer ’ s brand also increases relevance, as does the provision of flexible working conditions, work with self-employed and the introduction of “remote ”.
Employers keep a focus on corporate training, increase budgets for non-material motivation.
– A very important point is to increase the managerial competencies of middle management, because now the request of applicants for the type of management is very much changing, – said Lilia Esaulenko. – We see a focus on human-centric, on the one hand, on the other – on the automation of processes, which will increase labor productivity.
A very clear focus grounding of their plans, search and hiring strategies on people ’ s needs and expectations, even in the same human-centric strategies.
For some job seekers, it is important that the child is provided with a kindergarten, and for the other - that he is fed lunches at work.
Third, it is important that he be sent to the sanatorium.
Business will need to be very carefully and for a long time engaged in the offer of such options that work for loyalty, retention in the company.
Identifying needs and doing good
Ksenia Burykhina
Photo: Seraphima Kuzina
Ksenia Burykhina, Head of Corporate Culture and Welfare, spoke about the methods of working with staff at Gazpromneft-East.
— Human-centered philosophy is at the heart of our company ’ s strategy.
An employee is a full-fledged partner of the company, who shares its goals and corporate values.
Today, the motivation and retention of staff is a key challenge for all employers.
We strive to identify the needs of our employees, analyze them, constantly improve working conditions, implement measures for the development of employees, work on improving the quality of their lives and improve the social infrastructure, ” said Ksenia Burykhina.
One of the competitive advantages of the company in the labor market is the remuneration system, an expanded package of social benefits.
Along with the material aspects, intangible motivation also works effectively: corporate recognition programs “People of Progress ”,“ Recognition of the Best ”, award campaigns for the day of the oil worker, at the end of the year and for personal anniversaries, corporate sports and much more.
In order to determine the needs of employees, assess their relevance and the possibility of implementation in the perimeter of the company, studies of the socio-psychological climate are conducted annually.
According to the representative of Gazpromneft-East, this tool is effective.
It allows you to find key areas for development that will increase the level of employee engagement.
— For us, as employers, this is a tool for understanding what is good and where it is necessary to focus on new focus areas for further work.
The main goal is to measure the level of engagement and satisfaction with aspects of work, - said Ksenia Burykhina. - All employees in late August receive links to electronic questionnaires.
They include about 80 questions and are processed annually depending on the needs of the business.
This questionnaire covers all areas - from the actions of top management and direct managers to the level of awareness.
Also in the questionnaire there are topics about the balance of work and personal life, factors of comfortable work in a team and others.
The results of the study become the basis for building work for the future: the formed plan is implemented during the year.
In turn, the head of the corporate communications department of Gazpromneft-Vostok LLC, Irina Nikolaeva, spoke about the pro-volunteer movement in the company.
Irina Nikolaeva
Photo: Seraphima Kuzina
— Today, Gazpromneft-East has more than 180 active volunteers.
The volunteer movement can be divided into general corporate events: the day of the donor, subbotniks, the competition of volunteer projects.
We have our own actions that we invent on the ground.
There is also “quiet ” volunteering.
For example, our employee from the fishery on his own initiative in his free watches trains free of charge children, adolescents and adults who decided to engage in volleyball, - said Irina Nikolaeva.
She stressed that corporate volunteering allows creating conditions for self-realization of employees, not only in their professional sphere, but also in the social direction.
— If you decide to start developing corporate volunteering, it is very important to hear your team and understand what kind of work is closer to you.
I believe that the volunteer movement can be in any, even the smallest company.
We have to start small and simple.
And one volunteer in the field is a warrior, ” said Irina Nikolaeva.
She also stressed that it is possible to help volunteers in the team by training them, developing and supporting activities.
It is very important to get the support of management, learn best practices and, if possible, join the actions of other organizations.
Industrial experience
Photo: Seraphima Kuzina
The meeting was concluded with a speech by Elena Kulagina, Head of Human Resources Management at Tomsk Electronic Company LLC.
She said that over the years, the company has significantly expanded the starting package of preferences for new employees: from stable wages and regular schedules to the provision of corporate transport, training and “serious things related to the leisure of employees. ”
We realized that we need to develop a strong HR brand.
People want to work in a company that has a social position approved by society, clearly declares itself.
Here we can recall the large federal companies, IT companies that actively broadcast their positive HR-brand.
And this is a story that works in the market, ” said Elena Kulagina.
Among the areas of work at the Fuel and Energy Complex, she noted personal motivation, employee training, the introduction of a mentoring system for new employees, recognition of achievements through a corporate magazine, placement on the board of honor, financial incentives and just verbal gratitude.
An important point is the corporate culture.
As soon as informal relations between employees are established, when you get wet in a tent together, navigate in the forest or run a distance, then it becomes much easier to solve any problems in the office - it is easier for you to ask a question.
It is important that the heads of departments support this initiative, — said Elena Kulagina.
She shared analytics on the reasons for the departure of employees from the company.
According to Kulagina, most of these workers go to a better offer.
Others retire, move, go to educational institutions or completely change their field of activity (for example, go to couriers from auxiliary workers).
Photo: Seraphima Kuzina
— No matter how much the company tries to be good, comfortable, with a lot of advantages and bonuses, people have basic needs: a salary, a team, comfortable working conditions and the opportunity for career growth.
And the higher your basic offers are, the more attractive an employer you will be for your candidates, ” said Elena Kulagina.
Photo: Seraphima Kuzina
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Title:

Content: [Shanghai Feature] Solve the difficulty of finding a job, Shanghai ’ s “gig platform ” helps flexible employment
04 / 09 / 2023
31-year-old Xiao Li is an Internet operator, after being laid off by the company in May this year, he finally found a job in the same position after three months, and his salary rose slightly.
"Originally I was full of confidence to find a well-paid job, but after a few interviews in recent years, I found that it is good to find a well-paid job." Xiao Li said.
At this time last year, Xiao Li was also looking for a job, and in contrast, she felt that the difficulty of finding a job has increased this year.
She said that last year, after submitting the resume, there are many companies actively invited for an interview, but this year many are in the sea, ask friends to help internal referrals opportunities are also poor, and finally in the "Haitou" strategy, she received 3 job offers, the salary of the same position are downgraded, only the new company to give the labor increased than before.
The difficulty of finding a job has become a consensus among recent graduates in China.
(Shutterstock photo)
In the process of job search, let her most impressive is that last year many company bosses will "draw cakes" to job seekers, introduce the company's future vision and development plans; and this year's interview, the bosses seem to be more pragmatic, are asking for some specific business operation details, some companies just want to find a person to fill the vacancy, rarely mention the new business expansion plan.
"Increased difficulty in finding a job" seems to be the consensus view of many job seekers on the job market today.
The human resources manager of a large Internet company told reporters that although there are no large-scale layoffs this year, the cost optimization of Internet enterprises has not stopped, such as reducing the scale of departments that do not make money, cutting office rental costs, etc.; for the departments that make money will increase some input, but in general, recruitment is more cautious.
According to the data of the National Bureau of Statistics, in May and June this year, the unemployment rate of the urban survey of the population aged 25-59 was maintained at 4.1%, which is lower than the level before the epidemic in 2019. The reason is that the unemployment rate statistics include flexible employment, and some people who have been laid off by the company will choose to become a salesman or an online taxi driver, which is flexible employment.
Online car driver saturation month tens of thousands of "myth" punctured
It is worth mentioning that recently, many urban network car drivers are facing saturation pressure, but also reflect the problem of middle-aged unemployment from the side.
In May this year, Dongguan, Wenzhou, Jinan and other places have issued a saturation warning for online taxis, and Shanghai, Sanya, Jiangsu Huai'an and other places have also announced that they will suspend the acceptance of new online taxi transportation licenses.
Shanghai local media reported in June this year that with more and more online car drivers joining, the number of online car drivers in Shanghai has decreased significantly, and the "myth" that once entered tens of thousands of monthly is being punctured by reality.
Some online taxi drivers said that the number of orders is now significantly reduced, and the previous day's income can be about 400 yuan a day, and now it is probably two or three hundred yuan a day.
E-hailing has become a flexible employment choice for many “optimized ” people, but in cities with more developed economies, the phenomenon of E-hailing car capacity is full.
(Shutterstock photo)
Industry insiders say that jobs such as online dating cars provide reemployment opportunities for groups such as unemployed middle-aged people.
These businesses can no longer accommodate so many people, how to provide them with more reasonable employment and institutional arrangements, need the community's common concern.
“Job Platform ” and“ 15 Minute Employment Service Circle ” to support employment
In the context of corporate layoffs and pay cuts, flexible employment channels such as online dating cars are facing saturation, and actively expanding employment channels and exploring flexible employment support are things that many local governments are doing.
Take Shanghai as an example, in July this year, the Shanghai Municipal Government issued 18 measures to optimize and adjust the stable employment policy, which proposed to strengthen the construction of the gig market, support the opening of a new platform for public recruitment in Shanghai and online employment platforms in various regions, and collect more low-threshold, flexible employment positions.
According to the measures, Shanghai recently launched the Internet "gig platform", including Internet food delivery, express logistics, housekeeping cleaning, building decoration, network e-commerce and other fields of a number of occupations, most do not set academic requirements, the professional technical requirements are low, after simple training can be hired, easy for some college graduates or in the career transition period of job seekers.
Shanghai Huangpu District, in cooperation with the Internet job search platform, set up Huangpu New Economy, new business type casual employment cloud platform, the first batch of 36 enterprises, providing full-time, internship, part-time and other new job positions of more than 11,000. (Internet picture)
In addition, Shanghai also supports various districts to create a "15-minute employment service circle", that is, requiring community employment service sites to accurately target key groups for employment assistance, including school leavers without employment, long-term unemployed youth, registered unemployed people and people with employment difficulties.
The good news is that in the past August, the job market seems to have gotten a little better.
"There are several friends who are looking for a job in August," Xiao Li said. "Now there are more job opportunities in the market such as live broadcast and short video."
Shanghai Economic Times reporter Lin Wenjie
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Content: Monday, 18 September 2023 10: 42 GMT
Radical changes in the tobacco industry
(MENAFN- Akhbar Al Khaleej) Monday 18 September 2023 - 20: 10
Tommaso de Giovanni
Vice President for Market Activation and Support, Philip Morris International
It goes without saying that the success of companies is primarily based on continued innovation. Ignoring the modernization of business models and processes allows new innovative companies to pull the rug from under established brands, and we have a clear example of this in the demise of the film rental market since the rise of video streaming services [1].
Many industries undergo major changes in their practices and operations over the years to improve the way companies provide new products and services to society, as a result of which consumers begin to demand better alternatives to traditional products and services.
Growing attention to social, environmental, health and other issues is contributing to the evolution of sectors, often leading to a shift from older products, such as diesel cars and non-renewable energy sources, to better alternatives such as electric cars and sustainable energy technologies for homes and businesses.
Even before the COVID-19 pandemic, it was clear that many companies had expanded away from their traditional business models into new spaces to grow and interact with developments associated with the Fourth Industrial Revolution, allowing their activities to become more strategically responsible and impactful.
The tobacco industry has not been an exception to other industries in terms of embracing the shift, with PMI aiming to shift from traditional cigarettes to smoke-free products as soon as possible.
For a 175-year-old company, it ’ s as bold a move as any business that changes its business model in a way that fundamentally changes its core product.
While critics see smoke-free products as more harmful than quitting altogether, which PMI agrees, smoke-free products can dramatically lower levels of harmful chemicals compared to conventional cigarettes.
It is therefore a better option than continuing smoking for adults.
This approach is welcomed not only by adult smokers, but also by a number of public and health authorities around the world.
Recognizing the value of science and innovation, health authorities in the UK and New Zealand have integrated innovation, science and product development into their strategies.
For example, the former Public Health England (PHE), the executive agency of the UK Health Service, ran a month-long campaign called Stoptober, encouraging smokers who did not want to quit completely to use less harmful alternatives such as e-cigarettes.
As the tobacco industry is undergoing a phase of transformation, evidence-based innovations must ultimately be appreciated.
Adult smokers should be aware that if they do not want to quit smoking, which is the best option for their health, they can choose better alternatives to cigarettes, such as smoke-free products.
We estimate that IQOS, Philip Morris International ’ s smoke-free product, had 25.8 million users by March 31, 2023, and that 18.5 million of them had stopped smoking cigarettes during the transition.
However, one of the biggest obstacles to building a smoke-free future is misinformation, particularly with regard to scientific evidence that smoke-free products are actually better alternatives than continuing to smoke cigarettes.
Unfortunately, adult smokers are still confused by false or misleading information that prevents them from making informed decisions, according to a new international survey by consulting firm Povaddo.
According to this survey commissioned by Philip Morris International, there is still a high level of confusion among adults; 81% of respondents in the UAE
Those who wish to continue smoking in one way or another agree that smoke-free alternatives should be made available to adult smokers and that this view is also supported by 90% of current adult smokers.
Moreover, 96% of smokers who switched from cigarettes to better alternatives in the UAE said that accurate information about the difference between these products and cigarettes was an important factor in their decision to switch to them.
This highlights the crucial role that accurate information about smoke-free alternatives plays in enabling smokers to give up cigarettes.
In terms of public health, adult smokers deserve accurate and up-to-date information that enables them to make informed decisions.
Here we would like to commend the decision of the United Arab Emirates, which was the first Gulf country to regulate the market for smoke-free products such as heated tobacco products, electronic cigarettes and devices used with them; followed later by Saudi Arabia and Kuwait, which is encouraging of course.
Our message remains clear: quitting tobacco and nicotine once and for all is the best option for all smokers.
Those who do not smoke or consume nicotine products should not start.
By using it.
But products with strong scientific reviews, while not risk-free, are a much better choice than cigarettes for adult smokers.
As with many other sectors currently undergoing radical changes, the journey towards a smoke-free future is still a long one.
However, the pace of change accelerates over time; it can also be further accelerated through broader support from the community.
Smoke-free alternatives for the benefit of adult smokers and public health everywhere.
The views expressed in this article represent that of Tommaso de Giovanni, Vice President of Market Activation and Support, Philip Morris International.
Sponsored by Philip Morris Management Services (Middle East) Ltd.
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Content: MARKETS
Iqbal on social media platforms
Companies and traders create encouraging tapes and links to bring customers The trade on social networking sites has rebounded in an important and remarkable way, especially in recent years and more importantly after the repercussions of the spread of the Corona virus.
It has provided many opportunities for companies and individuals to provide various services and double the profit from the sale of products to the users of the “social media ” high number, continue reading »
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With widespread job losses and economic uncertainty, many individuals sought alternative income sources.

MLMs, with their promise of flexible work and entrepreneurial opportunities, attracted a significant number of new recruits.

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Content: Newswise — Next year is coming sooner than you think. And right now is a critical time for making choices about what kind of health insurance you and your family will have in 2024.

That’s a decision that could make a big difference in your physical, mental and financial health.

Here are some key things to know right now, compiled with help from the team at University of Michigan Health’s Patient Financial Counseling office.

“Every fall is a key time to make sure you explore all your options, but this fall it’s especially important because we have seen many people confused about changes and not realizing they can get free help from trained experts in navigating their choices,” said Alena Hill, who directs the team.

Year-round, but especially in fall, her team helps patients and community members understand their options and choose wisely for themselves and their family. They can be reached at 877-326-9155 or 734-232-2621 on weekdays from 8 a.m. to 4 p.m., or anytime on email at [email protected].

1: If you had Medicaid coverage in 2023, or your child had CHIP coverage, you must act to keep it, or find a replacement.

Last spring, all states started “unwinding” the special Medicaid rules that were in place for the first three years of the pandemic.

This means everyone with Medicaid, or CHIP coverage has to prove they or their children still qualify based on current income. Different people have different deadlines for providing this proof.

Hill’s staff has encountered many individuals who have not gotten, or opened, the important notification letters and emails that the state has sent them about their deadline. Others have had trouble logging into the state website where they can check and enter their information.

But taking action can make the difference between having coverage and going uninsured in 2024, which can bring major financial problems.

Fortunately, she said, Michigan’s “unwinding” is happening more slowly, and with more opportunities to keep coverage, than other states.

So: if you know that your income is still low enough to qualify for Medicaid, or to qualify your child for CHIP, it’s crucial to log in to the state system, or contact your local office of the state health department.

Even if your initial window to renew your coverage has passed, you can still provide information and ensure new or continued coverage. If your renewal window is coming up between now and next May, you can prepare now.

If you already got a notice that your Medicaid or CHIP coverage has been renewed in the last few months, you’re all set until next year at the same time.

But from here on, you will need to prove your eligibility once a year unless the state tells you they have verified your info directly.

If you now make too much money to be eligible, keep reading to learn about buying your own coverage.

Learn more about the Medicaid unwinding and what to do.

2: If you need to buy your own insurance, now’s the time to act -- and there’s financial help available.

Millions of people make too much money to qualify for Medicaid, aren’t old enough or disabled enough to qualify for Medicare, and don’t have insurance through a job or a partner’s job.

If you’re one of them, the healthcare.gov website is the place to go to find out what insurance plans you can buy directly. On the site you can compare your options, and find out what they will cost you – both in monthly premiums and copays or deductibles when you get care.

The good news: four out of five people who buy insurance on this site for 2024 will find a plan for $10 or less per month, after all financial assistance is taken into account. Nearly everyone has at least three plans to choose from, and this year all plans must include mental health, addiction and rural emergency room care.

If you already lost access to Medicaid coverage, or your child lost access to CHIP coverage, because your income went up, you should go on this site immediately. Not only is it risky to your heath and wallet to go without insurance, but you may be able to get coverage right away for the rest of 2023, and pick a plan for 2024 too.

Open Enrollment on the healthcare.gov site for 2024 plans runs from Nov. 1 to Jan. 16. If you pick a plan by Dec. 15, your coverage will start Jan. 1. If you pick a plan after that, but before Jan. 16, your coverage will start Feb. 1.

What kind of financial assistance might you qualify for? The Kaiser Family Foundation offers a handy calculator.

You can contact the national health insurance call center at 1-800-318-2596, and get assistance 24 hours a day, 7 days a week including help in 200 languages. Or, find a trained helper near you by clicking “Find local help” on healthcare.gov. Or contact Michigan Medicine’s team, whose members have trained to help people navigate their options.

  1. If you get health insurance from your job or someone else’s, heads up!

A lot of employers are facing higher costs for health insurance for 2024, and they may change the options they offer or the monthly costs to employees.

A majority of Americans with employment-related insurance coverage now have what’s called a “high deductible health plan” or HDHP, which means they need to pay up front for the first few thousand dollars’ worth of non-preventive care they receive, before their insurance kicks in.

If you have one of these plans, or you’re thinking about choosing one, or your employer is switching to one, you need to take a crucial step now to save you money and be ready for health costs.

That step? Open a health savings account, or HSA, and start putting away money in it.

You don’t have to pay taxes on the money you put in to your HSA, as long as you spend it on approved health costs including meeting your deductible or paying copays. And, as the money builds up month by month, you will have the peace of mind that you have a cushion to absorb any financial shocks from health care you suddenly need.

If you don’t spend all the money in your HSA by the end of 2024, you can keep it in the account and hold on to it until you need it.  (This is different from the flexible spending accounts, or FSAs, that some employers offer; these are also tax-free but if you don’t spend all the money you put in for the year, you can lose it.)

  1. If you have Medicare, or you’re going to become eligible this year or next, weigh your options carefully.

There are two kinds of Medicare: Original (also called traditional or fee for service) and Medicare Advantage.

Original Medicare is run by the federal government, and Medicare Advantage is run by insurance companies that contract with the federal government. If you choose Original Medicare, you can also choose a prescription drug plan and a “Medigap” plan.

Open enrollment for all 2024 Medicare plans runs until December 7, for coverage that will start January 1. During that time, a lot of Medicare Advantage companies are competing for your business, so you may see a lot of direct mail, advertisements online and even billboards.

No matter what type of Medicare option you’re considering, you should take time to use the official Medicare Plan Compare tool to look at the specific options open to you. This lets you see which doctors and hospitals are “in network” for any Medicare Advantage plans you might be considering, which is important because unlike in Original Medicare, these plans limit which providers you can see.

This tool can also tell you the potential costs of any prescription drugs you take, depending on what plan you choose. U-M researchers recently showed that the same drug can cost thousands of dollars more or less depending on the plan. Read more about what U-M experts have to say about using Plan Compare.

If you or your significant other will turn 65 soon, and you’re still working with health insurance from your job, talk to your company’s benefits office or person about your options.

If you live in Michigan and are covered by Medicare or will be eligible soon, or you are trying to help a loved one who lives in Michigan navigate their Medicare choices, you have another great resource you can try.

The nonprofit organization called the Michigan Medicare Assistance Program can help. MMAP can connect you with a certified counselor who can give free, unbiased help. Visit https://mmapinc.org/ or call 1-800-803-7174.

Disclosure: Michigan Medicine co-owns a Medicare Advantage plan called Michigan Health Advantage.

  1. No matter what your situation, don’t procrastinate, and don’t try to go without coverage to save money.

All of the deadlines mentioned above are serious ones, and if you don’t act before they pass, you can really lose out.

If you’re tempted to skip buying insurance for yourself, or enrolling in a plan your job offers, because you want to save money, think again.

Just one illness, accident or new diagnosis in 2024 could clean out your bank account or drive up your debit faster than you can say “I wish I had…”

Another thing not to procrastinate on: scheduling preventive care like vaccinations, mammograms, colonoscopies and Pap smears. If you’re in the right age group, these are free to you no matter what kind of insurance you have.

Also, getting a shot or a scan now could keep you from getting much sicker later. Read about the vaccines adults should get at different ages.

Title:

Content: Three major trends in the global economy
The world economy has undergone serious tests over the past two years: the coronavirus pandemic, problems with the production and supply of goods around the world, falling consumer demand, and then its growth and high inflation.
Analitics
Jan. 24, 2022, 12: 52 p.m.
The world economy has gone through serious tests over the past two years: the coronavirus pandemic, problems with the production and supply of goods around the world, falling consumer demand, and then its growth and high inflation.
Not all the problems of 2020-2021 were solved, but they laid the foundation for the formation of trends in 2022.
Decreasing the pace of global recovery
The global economy continues to recover, but the pace may slow in 2022.
This is due to the spread of a new strain of coronavirus (omicron), as well as the curtailment of fiscal support programs in various countries and growing inflation.
According to the World Bank, the growth of the world economy in 2021 was 5.5% after a decline of 3.4% in 2020.
In the future, we expect a slowdown in growth rates - to 4.1% in 2022 and 3.2% in 2023.
Analysts of the bank expect that the growth rates of economies will return to the average pre-pandemic indicators.
At the same time, in developed countries they will be higher than before, and in developing countries - lower.
In the case of Azerbaijan, the growth rate will exceed the average of the last decade - 3.1% for 2022 and 2.7% for 2023.
In 2021, the Azerbaijani economy showed good results.
The growth at the end of the year was 5.6%, the non-oil economy grew by 7.2%, and the non-oil industry by 18.9%.
Data for 12 months are not available, but the figures of January-November can be used to judge a significant increase in trade, including exports.
Non-oil exports alone reached a historic $2.4 billion.
However, not all sectors were able to recover - tourism has not yet returned to pre-pandemic indicators.
Despite the general growth in industry, production and processing are still at low levels in some industries.
In the logistics and transport market, there was also a decline.
However, in 2022, problems with global sales chains, if not completely solved, will at least be minimized.
Ports in the US, Europe and Asian countries, overloaded amid the suspension of activities due to coronavirus outbreaks, are gradually returning to normal operation.
Export-oriented Asian countries - Thailand, Vietnam, Malaysia and others - have already been able to vaccinate a sufficiently large number of the population, which makes it unlikely that another downtime at the factories.
Digitalization of the economy and technology development
Digital currency - one of the most discussed topics last year - will reach a different level in 2022.
The National Bank of China launched an e-wallet for the “digital yuan ” this year.
Local IT giants will help expand its reach, and a recent joint venture with the global interbank information and payment system SWIFT suggests that the “digital yuan ” may become a transnational currency.
Similar studies are conducted in Canada, Turkey, Sweden, Russia and many other countries.
Some states, such as China, have already started using the digital currency, and Russia will begin its first tests this year.
Azerbaijan has also joined this trend.
In the middle of last year, Chairman of the Central Bank of Azerbaijan Elman Rustamov noted that the regulator is conducting research in connection with the introduction of the digital manat and regularly discusses this issue with the Central Bank of Turkey.
He stressed that the digital currency will be a serious component of the digital economy.
In other words, this trend has also found a serious response in Azerbaijan.
The exact timing is not yet known, but it is possible that this year we will hear new details of the CBA research.
Digital currency is only part of the process of transition to online, which is observed all over the world.
The COVID-19 pandemic showed how important advanced technologies such as blockchain are for the work of government agencies and private companies.
Back in 2020, when the coronavirus began to spread around the world, causing problems in the work of state bodies (hospitals, schools, etc.), in one country - Estonia - the government was able to quickly organize the smooth work of departments.
Online classes, digital learning materials and a huge range of public services that are available online - all this in Estonia was before the pandemic.
Some government services were rendered in the same mode because they were already online.
Others quickly adapted to the new situation, because the country has invested in the development of digital technologies for years.
Many services in the country operate on the basis of blockchain technologies.
Today, research in this area is widely carried out all over the world, including in Azerbaijan.
According to International Data Corporation, investments in blockchain-based services and services are increasing exponentially every year.
If in 2017, less than 1 billion US dollars were invested for these purposes around the world, then in 2021 investments should amount to (final data are not yet available) 6.6 billion US dollars, and by 2024 to reach 19 billion US dollars.
However, digital technology does not always mean good.
Due to quarantine measures, companies and government agencies around the world have moved their employees to remote work.
On the one hand, this contributed to the emergence of new services and technologies, but on the other hand, it led to the fact that people began to work more.
A survey by recruiting company Robert Half showed that about 70% of people who work remotely began to work on weekends, 45% began to work more than 8 hours on weekdays.
According to The Guardian, working hours in Europe have increased by an average of 2 hours.
It is not that the volume of work increased - being at home, people began to hurry less.
Previously, economists believed that the development of digital technologies and automation of processes will reduce the time of employees, but new research shows that due to the coronavirus pandemic, the process went in the opposite direction.
Fight against rising prices
Another trend in the global economy, which began against the background of the coronavirus pandemic and reached a new round in the second half of 2021, is high inflation.
In the US, annual inflation reached a maximum of the last 40 years - 7%, in the Eurozone - 5% (a record of 31 years).
Inflation in Turkey at the maximum for 19 years at 36.08%, in Italy - 1.9% (a record of 10 years), in the UK - 5.4% (a record of 30 years), in Germany - 5.3% (a record of 30 years), in the Czech Republic - 6.6% (a record of 13 years), in Russia - 8.4% (a record of 7 years), in Kazakhstan - 8.4% (a record of 6 years), in Ukraine - 10% (record 5 years), industrial inflation in Ukraine reached 62.2% (record 26 years).
In 2021, the FAO Food Price Index reached the highest level in the last 10 years - 133.7 points.
According to the World Bank, last year inflation in many countries of the world reached a 10-year high.
Eighty per cent of emerging markets have experienced a sharp spike in inflation over the past few months, and a third have experienced double-digit inflation.
At the same time, the price increase may continue in 2023.
Many countries have begun to curtail incentive programmes and financial support measures as part of their efforts to combat rising prices.
In Azerbaijan, according to the results of 2021, inflation amounted to 6.7% - the highest figure since 2017, when 12.9% was recorded (data from the State Statistics Committee).
In order to prevent further price increases (mainly food products), the Cabinet of Ministers of Azerbaijan adopted 6 basic principles: emphasis on local production of food products, production subsidies, liberalization of food prices, prevention of artificial overpricing, ensuring margins for business and subsidies based on results.
In recent years, the Government has taken major steps to meet the country's basic agricultural and food needs.
For example, 90 per cent of the demand for beef comes from domestic resources, 100 per cent for lamb and eggs, more than 80 per cent for dairy and chicken products, 81.7 per cent for fish products, 90.6 per cent for potatoes, 110.4 per cent for vegetables, 131 per cent for tomatoes, 116.3 per cent for fruits and berries, and 116.3 per cent for walnuts and hazelnuts. by 138 per cent, edible salt by 111.4 per cent, carbonated and mineral water by 90-95 per cent, cheeses by 88.1 per cent, fruit juices by 130.5 per cent, etc.
There are some difficulties with wheat.
About three million tons of wheat are consumed annually in the country, but production volumes are 2 million.
Due to suitable for sowing land in the territories liberated from occupation, it will be possible to produce an additional 200 thousand tons of wheat, but this still does not cover the entire demand.
As another measure to ensure food security, we can mention the documents signed on January 14 within the framework of the visit of Azerbaijani President Ilham Aliyev to Kiev.
As the Minister of Agrarian Policy and Food of Ukraine Roman Leshchenko recently reported in an interview with AzTV, both countries have already created a profile working group.
The deepening of cooperation in the field of agriculture and the issues arising from the signed documents are planned to be discussed during his visit to Baku this year.
Azad Hasanli, analyst
English version 3 main trends in global economy
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Content: Murmansk region.
Arctic (16 +) 04.09.21 15: 00
IT specialists need a polite recruiter who knows the field, and HR specialists need an IT to Russian translator - a study by Lucky Hunter and hh.ru
International IT recruiting company Lucky Hunter with the support of the largest Russian online recruiting platform hh.ru conducted a study of the IT market and found out how recruiting processes affect the attractiveness of the job and what is the priority for IT workers when choosing an employer.
A survey of more than 1,000 IT professionals found that 80% of respondents pay attention to how a recruiter ’ s letter is composed.
So, for every second (68%), detailed information about the vacancy is important: in addition to the standard - company names, salaries and key tasks - candidates are interested in information about the project, where they are invited, data on the technology stack and bonuses.
At the same time, for 43% of candidates, the lack of salary data is a serious reason to refuse a vacancy.
According to experts Lucky Hunter, companies looking for IT professionals should pay special attention to the time of communication of the recruiter with the candidate.
Thus, a third of respondents admitted that they pay attention to the manner of communication of the recruiter: everyone is pleased with politeness and friendliness on the part of the hiring specialist, and for 28% of respondents, it is significant how carefully the recruiter previously studied their portfolio.
Also interesting is the data on which channels of communication with recruiters are most convenient for IT workers: 56% of the most convenient communication channel was called messengers, 26% of IT specialists “voted ” for communication via email.
The most inconvenient way to communicate with applicants in 40% of the case, the respondents called the phone.
On the second line of anti-leaders were social networks (“Vkontakte ” and“ Facebook ”).
The number of interview stages is also very important.
Thus, 61% called 2-3 stages the most acceptable number of interviews, another 28% prefer to communicate no more than 1 time and only 10% of respondents from the IT sector said that it does not matter how many stages of selection are organized in the company of a potential employer (see more in the charts).
“The survey confirmed the opinion that test tasks for all candidates and especially for IT are not always necessary.
So, 38% of respondents are ready to perform a test if the position is very attractive.
29% will agree to perform a task if it does not take much time, 13% generally consider it a relic and only 16% of IT professionals calmly relate to the test when looking for a job.
Here you need to understand that the IT market has changed a lot and continues to transform, and today the presence of a test task will rather scare away the candidate.
Therefore, if a company or recruiter is not 100% sure of the coolness of its vacancy, we do not recommend to include a test task in the selection stages so as not to lose real candidates.
An important trend in the IT market remains “remote ” and now, when choosing between two equal salary offers for work, 34% of IT respondents are more likely to prefer a vacancy with a remote format.
Another 29% will be based on the team with which the candidate will interact at the new place of work, ” commented Tatyana Melnichuk, founder of Lucky Hunter.
On the other hand, it is interesting that IT recruiters themselves also face a considerable amount of problems when searching for candidates for an IT vacancy.
According to a study by hh.ru, every third HR specialist dreams of a “translator from the language of IT specialists ” (and vice versa) to make it easier to communicate with candidates.
The hardest part about hiring IT professionals is finding candidates and evaluating their skills, according to 36% of recruiters.
One in five recruiters find it difficult to understand the motivation of IT professionals when choosing a job, and 17% simply find it difficult to communicate with such candidates.
“We understand that the IT sector is one of the most specific and quite different from the rest of the labor market.
Our research shows that the majority of respondents (76%) of IT recruiters believe that the market in this area is “overheated ”, and salary expectations of candidates are very high.
There are not enough qualified specialists in the market, 52% of respondents believe, another 44% note high competition from employers.
More than half of the recruiters surveyed say they are familiar with the specialties for which candidates are selected.
At the same time, 39% admit that they need to attract specialists to assess technical skills, and one in ten believe that they lack the knowledge to hire IT workers.
Only one in five can independently assess whether the candidate has the declared technical skills.
About 40% say they lack an automated tool to assess candidates ’ skills, which is likely to apply to other areas of the labor market.
In conclusion, I will add that IT is very scarce specialists, hence recruitment and retention are accelerated and complicated.
We see that IT companies and companies from other industries that have large IT departments pay serious attention to the development of their employer brand for the target audience of developers, the manufacturability of HR services for employees and a democratic corporate culture, ” adds Yulia Sakharova, head of hh.ru for the North-West Federal District.
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Iryna
9 / 3 / 21 11: 42 PM
Another interesting moment...
Yes, the Gismaeus was opening up at home.
But did he build them???
And who should collect complaints, if not an assistant deputy? This is his job.
And filling circles with children...
I'm sorry, but I'm driving.
Iryna
9 / 2 / 21 11: 46 PM
And why did Svetlana help such a person to get out?
Was it profitable?
This is the real betrayal.
Iryna
9 / 2 / 21 4: 51 PM
Well, someone paid Svetlana well to start drowning Diamond.
About the worker (as far as I understand, it is the worker, not the janitor.
He performed these functions), heard another version of the death.
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