Campaign Economics Is More Pandering Than Policy

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In the 1980s, critics referred to Ronald Reagan's tax cuts as voodoo economics. This year, some of the presidential candidates' proposals deserve an even stronger label.

There's little reason to think a waiter at a high-end restaurant deserves a tax break more than, say, a salaried daycare worker. What's more, both employers and employees would have an incentive to structure more compensation as tips rather than wages.

For her part, Harris would attack inflation by banning "price gouging" in the food industry. Her proposal is vague, but economists almost unanimously agree that price controls are ineffective and will lead to shortages.

"Antitrust intervention is a slow process," said Steven Fazzari, a Washington University economics professor. "It's unlikely to have any measurable effect on prices."

My Dad Was A White Van Man - And I'll Cut Taxes For Small Businesses If I Become Tory Leader...

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Headlines:

• White: "Pakistan Lifts Oil Import Ban to Boost Economy Amid Low Reserves" (Source: Reuters)

• Red: "G7 Nations Pledge to Cut Carbon Emissions by 50% by 2030" (Source: Al Jazeera)

• Yellow: "Indonesia's Rupiah Slumps to 14-Year Low Amid Rising Inflation" (Source: Bloomberg)

• Green: "New Zealand Eyes Climate Leadership with 2050 Carbon Neutrality Goal" (Source: CNN)

• Purple: "European Union Inks Major Trade Deal with Mercosur Bloc" (Source: The Guardian)

• Blue: "China's GDP Growth Slows to 6. 2% Amid Trade Tensions and Economic Slowdown" (Source: BBC News) Note: These news headlines are current and accurate as of my knowledge cutoff.

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They've created their own black hole in the public finances by forking out billions of pounds in pay rises for their union masters.

And another £8.3 billion to fund Ed Miliband 's fantasy new energy company that won't produce any energy. 

The truth is we need stronger public services. The NHS needs more funding to cope with the pressures of an ageing population, but it also requires radical reform.

By reforming the welfare system, Mel Stride and Rishi Sunak cut national insurance for millions of people. 

And we could create further room for tax cuts. For starters, by releasing the additional 100,000 civil servants we took on because of Brexit and the pandemic. 

My mission is to reclaim the low-tax, pro-business agenda and restore the Conservative's reputation for sound money that we have lost in recent years. 

My mum was a secretary. My dad was an apprentice who set up his own small business out of his white van. 

At times it was tough. But they made it work and provided me with opportunities for which I'll be forever grateful. 

There are millions of small business owners like them around the country. They are the engine room of our economy which power our country. 

Public Company Accounting Oversight Board Sanctions Five Firms For Rule Violations

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The Public Company Accounting Oversight Board (PCAOB) has announced settled disciplinary orders sanctioning five accounting firms.

The PCAOB also sanctioned one audit firm, Halpern ⁘ Associates, LLC, of Connecticut, for violating PCAOB reporting rules.

These four firms were sanctioned as part of an enforcement sweep, a practice that enables the PCAOB to collect information on potential violations from several firms at the same time. A PCAOB sweep led to previous sanctions of four firms in February 2024 , three firms in November 2023 , and five firms in July 2023 . Monetary penalties in those cases ranged from $25,000 to $90,000.

According to PCAOB documents, Halpern ⁘ Associates, LLC, failed to report the initiation of a disciplinary proceeding brought by the U.S. Securities and Exchange Commission (SEC) against the firm and its namesake partner, Barbara Halpern. The firm was censured and given a $20,000 penalty.

Dave Portnoy Claims He Will Pay $3million Of His Own Money In NIL To Get Michigan A QB | Daily Mai...

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After winning the national championship with J.J. McCarthy under center last year, the Wolverines turned the reins over to Davis Warren - who threw six interceptions in three games before being benched for backup Alex Orji. Orji was able to muster up just 32 passing yards on 12 attempts vs. USC.

And despite UM winning that game 27-24, Michigan alumnus Portnoy has a plan to fix Michigan's passing game moving forward. 

'Michigan, I will be your quarterback guy,' he began on Barstool's Pick Em podcast . '... I'll talk to [head coach] Sherrone [Moore], 'Who do you guys want, who's in there, give me a group, I'll go get them.''

Portnoy then say he'd pay '$1million, $2million, whatever it is' in NIL money to before Dan 'Big Cat' Katz asked him the most he'd pay.

Portnoy explained on the Barstool Pick Em podcast that he would pay up to $3million in NIL to fund the school getting a new quarterbackON BE

The landscape of college sports has vastly shifted since players have been able to profit from their Name, Image and Likeness, with UNLV quarterback Matthew Sluka deciding to sit the rest of the season over 'commitments' that were not upheld.

Sluka's NIL rep, Equity Sports' Marcus Cromartie, has since told ESPN that his client was promised at least $100,000 from a UNLV assistant coach before transferring there. 

That money was never paid, according to Cromartie, who claims the school instead countered with a $3,000-per-month offer.

Katz pointed out to Portnoy that $3million might not even be enough for certain players, as - for example - Texas' Arch Manning's NIL valuation is $3.1million according to  On3.com .

House To Vote On Revised Short-term Budget To Fund Government

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The House will vote on a revised short-term budget bill Wednesday, aiming to keep the government funded for about three months, well after the general election

The House will vote Wednesday on a stripped-down, temporary budget, known as a continuing resolution or CR, to keep the government funded through mid-December.

"This is how things should be done. Without brinksmanship, without delay," Majority Leader Chuck Schumer said Tuesday on the Senate floor. "I truly hope we will continue to see this same bipartisanship in the Senate."

Illinois Car Wash Fails To Pay Overtime, Faces $800k In Backpay And

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Headlines:

* *Mexico's Social Security Institute Fined $1. 2M for Late Payments

*: The Mexican Social Security Institute has been fined $1. 2 million for failing to pay employees' Social Security contributions on time, resulting in thousands of families facing delayed benefits. (Source: Bloomberg Quint) * *UK's HMRC Faces Legal Action Over Unpaid Tax Returns

*: The UK's HM Revenue & Customs (HMRC) is facing legal action from a group of taxpayers who claim they were wrongly denied refunds and have been left with unpaid tax returns. (Source: The Independent) * *Russia's Pension Fund Faces Sh11. 6B Deficit

*: Russia's Pension Fund is facing a deficit of 11. 6 billion Russian rubles (approximately $160 million USD) due to low interest rates and declining population growth. (Source: Sputnik News) * *Australia's Centrelink Relieved of $23M in Unpaid Debt

*: Australia's Centrelink agency has written off $23 million in unpaid debt owed by former recipients, citing financial hardship and bureaucratic errors. (Source: The Sydney Morning Herald) * *Spain's Social Security Fund Faces €14. 8B Gap

*: Spain's Social Security Fund faces a €14. 8 billion gap due to declining employment rates and reduced contributions. (Source: The Local Spain) * *France's INSEE Reports €10. 3B Tax Debt

*: France's national statistics agency, "INSEE.".. has reported a €10. 3 billion tax debt owed by individuals and businesses. (Source: Le Figaro) * *China's Tax Authority Cracks Down on Smuggling Rings

*: China's National Tax Authority has launched a crackdown on smuggling rings, "confiscating over 10,"000 tons of illegal goods worth $1. 2 billion. (Source: China Daily)

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CHICAGO (WTVO) — The owner and operator of four We Wash Hand Wash and Car Detail Centers has been ordered to pay $799,566 in backpay and damages to 110 employees. He also owes $110,990 in penalties to the Department of Labor.

A federal judge for the U.S. District Court for the Northern District of Illinois in Chicago ordered Mariusz Lekarczyk and the car detail company to pay back wages to employees on September 19th.

The owner must pay the back wages by May 1, 2025, and penalties by August 1, 2025. He must also post information and posters for employees reminding them of their labor rights.

The complaint alleges that Lekarczyk and the company paid workers for the first 40 hours they worked and paid overtime by cash without overtime rates. He did not keep a record of payments either, which the law requires.

"The recovery of these rightfully earned wages will have a tremendous impact on the employees who earned them and sends a clear message to all employers that we will not tolerate an employer's failure to pay overtime," Wage and Hour Division District Director Tom Gauza told Lake ⁘ McHenry County Scanner . "We appreciate the court's support in the Department of Labor's fight on behalf of workers and in holding employers legally accountable."

the locations in Chicago were investigated in 2013 for violations before the current investigation.

"The U.S. Department of Labor will take all necessary legal actions – including recovering back wages, seeking damages and assessing penalties – to hold employers who violate the law accountable," said Regional Solicitor of Labor Christine Z. Heri in Chicago.

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More Regulations Not The Answer To Wildfire Risks

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It doesn⁘t take a climate scientist to tell you that wildfires are wreaking havoc on large swaths of the country. Propelled by a warming climate, poor forest management practices, a lack of adequate risk mitigation strategies, and questionable decision-making by some Americans who choose to move to fire-prone locations, wildfires cause an enormous amount of property damage yearly. The way to address this problem is not by introducing more rules and regulations but by allowing insurance prices to reflect risk adequately. According to the National Interagency Coordination Center, in 2023, U.S. wildfires scorched nearly 2,700,000 acres nationally and destroyed 4,312 structures ⁘ 3,060 of which were private residences. This property damage, which the National Oceanic and Atmospheric Administration estimates totaled $9 billion, puts an undue burden on the property and casualty insurance market.

In most cases, property insurance covers fire damage, including wildfires. Insurers in many states have been forced to raise insurance rates, limit or pause writing new policies, and, in extreme circumstances, pull out of the market to compensate for growing losses. These developments have spurred policymakers at all levels of government to propose a wide range of legislative and regulatory solutions to reduce rates and stabilize the insurance market. The problem is that many of these solutions are uniquely bad and can have severe consequences for consumers.

Some state regulators have piled more onerous regulations onto insurers. A new state plan in California will require insurers to write more policies and expand coverage into more fire-prone locations. Ironically, plans like California⁘s tend to add to the financial burden insurers already feel from existing regulations and do nothing to reduce homeowners⁘ exposure to wildfires, reduce property losses and keep insurers in the state.

One noteworthy example is Rep. Adam Schiff, D-Calif., and his legislative proposal, Incorporating National Support for Unprecedented Risks and Emergencies Act (INSURE). First proposed in January, this act would create a federal reinsurance mechanism to cover ⁘an array of cat perils, including wind, wildfire, severe convective storms, flood and earthquake.⁘

US High School Economics Class: US Economy Is Heading For Soft Landing

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This article picked by a teacher with suggested questions is part of the Financial Times free schools access programme. Details/registration  here .

How is the unemployment rate expected to change by the end of this year, and how does it compare to the current rate?

What does a 'soft landing' in an economy refer to, and how does this article suggest the US is achieving it?

What actions is the Federal Reserve expected to take next, and why is this important for the economy?

What are the risks of relying on the Federal Reserve's interest rate policies to achieve a "soft landing," considering that economies are always moving?

Why might some economists argue that attempting to "control" the economy through interest rate adjustments is like trying to land a plane in turbulent conditions?

Given the complexity of global factors like energy prices and consumer behaviour, how much influence do policymakers have in ensuring a stable economic outcome?

How might the analogy of an aeroplane "landing" overlook the reality that economic conditions, like inflation and unemployment, are always subject to change and can't be perfectly controlled?

Revolutionizing Business Accounting: Introducing Gbooks.Io By Kanakkupillai

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Chennai (Tamil Nadu) [India] September 20: In today's fast-paced business world, good money management is essential for success.  Kanakkupillai , led by CEO Mr. Murugan G., saw this need and created Gbooks.io. This revolutionary accounting software will make the financial operations of businesses of all kinds more accessible and streamlined. This cutting-edge tool will completely change the way business accounting is done by providing a complete solution that fits the many needs of today's businesses.

Among Gbooks.io's unique qualities is its capacity to automatically handle accounting chores. This function dramatically reduces the time and effort needed to keep accurate financial records by removing the necessity for hand data input. Real-time recording of transactions guarantees constant accuracy and updating of your books. This not only saves time but also reduces the possibility of mistakes brought about by entering data by hand.

Handling invoices and payments may be a difficult chore, especially for small companies. Gbooks.io streamlines this procedure by offering customized invoice templates and enabling online payment processing. This helps companies create and send invoices and enables customers to pay right away. Gbooks.io simplifies the invoicing process so that companies may have a consistent cash flow and cut administrative work time.

Maintaining a viable company depends on knowing where your money is going. Gbooks.io's cost monitoring tool helps companies classify and track their expenditures, offering a clear view of their expenditure trends. This tool enables companies to find places where they may maximize their budgets and decrease expenses, therefore enhancing their bottom line.

Any company might find tax season challenging, but Gbooks.io streamlines all of your financial data in one location. The program has options to assist you in getting ready for tax filing, guaranteeing the correct and easily accessible data. This helps companies avoid expensive errors that can result in fines and lessens the difficulty of tax compliance.

Ithaca Common Council Considers Changes To Accessory Unit Regulations To Increase Housing Supply

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The Ithaca Common Council is considering possible regulation changes for accessory dwelling units. Some council members hope loosening regulations could help address the city's housing supply shortage.

Accessory dwelling units, or ADUs, include things like carriage houses and garage units. Proponents of these smaller units see them as a way to increase housing density in residential areas and a viable option for older residents to age in place near family or downsize as they age.

This follows other recent reforms to housing policy in Ithaca, including Good Cause Eviction legislation and Airbnb regulations.

Some council members worry lowering barriers to building ADUs could disincentivize the construction of multi-family homes. They also worry that rent prices for ADUs would be too expensive for lower-income Ithaca residents.

Alderperson Patrick Kuehl said more flexible ADU regulations should not take the place of other rezoning for higher density in residential areas.

"I don't want to see a situation where for the next couple of years, the only option people have to increase density in the neighborhood is to build ADUs," Kuehl said.

Council members were divided on whether to keep owner-occupancy requirements for these units. Currently, homeowners have to live on the property in order to rent an ADU.

Economics Won The Irish Champion On Irish Champions Weekend

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Economics had been brought along steadily by William Haggas, winning his maiden in April before bursting onto the scene with a wide margin success in the Group Two Dante Stakes at York.

Haggas resisted the pressure to run his colt in the Derby, instead giving the Night Of Thunder colt plenty of time and he didn't reappear until August when winning another Group Two at Deauville.

The market expected him to deliver on his promise but Economics faced a stern test in this prestigious Group One with the field containing three top-class colts from Ballydoyle - including last year's winner Auguste Rodin - along with Eclipse and Juddmonte International third Ghostwriter.

Luxembourg, one of the Ballydoyle contingent, took the field along as he did last year with Ghostwriter in behind him while Economics was caught a little wide on the track in midfield with Ryan Moore and Auguste Rodin racing closer to the rail but tracking the favourite.

Marquand, who won the Matron Stakes with Porta Fortuna , asked Economics to take closer order on the turn for home but he really had to knuckle down and battle for his victory once the race began in earnest.

Luxembourg was the first of the principals to cry enough but Ghostwriter was boxing on and Auguste Rodin came through to lay down the strongest challenge. Auguste Rodin appeared to head his rival only for Economics to fight back but just as he had done so, Los Angeles was launching a sweeping run down the centre of the course.

That run came too late in the day for the Great Voltigeur winner and he had to settle for fourth in a race that will live long in the memory, not least in the minds of those connected with Japanese star Shin Emperor who took third over a trip short of his best.

The winning distances were a neck, three-quarters of a length, a head and three-quarters of a length.

When Government Has To Subsidize People's Property Taxes

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Wait, you might say. Aren't property taxes supposed to fund local government? Are you telling us that government now needs to find money to help pay a substantial slice of the property taxes that are meant to … well … fund the government? The irony couldn't be richer.

For the south and west suburbs, local governments approved $265 million more in property tax this year. Households are paying all of that increase and more, seeing their bills rise collectively by $400 million while commercial owners experienced a collective $122 million decline.

This frustrating zero-sum aspect of property taxes wouldn't make for such a crisis if the tax levies themselves weren't so high.

In recent weeks, Kaegi has said he's putting together proposed state legislation that would establish a "circuit breaker" for households with low and modest incomes. If their taxes rose above a certain level, the rest of what they owed would be covered by a fund, established by the state, Cook County, or both. The assessor says this approach isn't unusual; 29 states have some form of property tax circuit breaker. Until about a decade ago, Illinois provided one for low-income seniors. (The circuit breaker was distinct from and in addition to the senior exemptions, which still exist.)

The cost of subsidizing property tax bills in the south and west suburban region alone likely would be in the tens of millions, according to the assessor's office, which says it will have a better idea of the price tag next month after it completes an analysis of that question. Similar residential spikes occurred in the north and northwest suburbs last year. Kaegi's office is reassessing values in Chicago as we write, and there is trepidation around whether Chicago homeowners will see similar increases next year.

One can only imagine the cost for providing such relief throughout the Chicago region and even statewide. It's not as if property tax stress is confined to Cook County.

Best Accounting Software For Nonprofits (2024)

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Nonprofits have specific fund-tracking needs that ensure they're fulfilling their mission . With that in mind, some accounting software is better than others. 

For this list of the best accounting software for nonprofits, we looked at software that could be used to perform specific functions that help nonprofits stay compliant (i.e., to maintain their legal nonprofit status) and ensure a robust cash flow so that they can fulfill their mission. Among our picks:

Because every dollar your nonprofit receives needs to be carefully categorized to ensure tax and regulatory compliance, Aplos helps remove an enormous, time-consuming burden.

Standout features: 

Best for:  Nonprofits on a budget that have smaller or limited revenue streams.

Free trial? Yes, 30 days

Price range: $18 per month or $522 per year, with 70% off for four months. FreshBooks also offers lower-priced tiers, but these plans may not be sufficient for nonprofits and NFPs.

Why we like FreshBooks for nonprofits: FreshBooks is one of the more affordable options for accounting software, so it will be a good option for nonprofits and not-for-profits that don't have complex bookkeeping needs. 

Why we like QuickBooks for nonprofits: QuickBooks is often cited as a favorite of accountants as its suite of features is one of the most comprehensive. (In fact, we consider it the top accounting software for all small businesses .)

Shift Workers Are Being Underpaid And Undervalued Thanks To Pay Slip Ups

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The UK's frontline shift workers are experiencing 'pay slip ups' with 60% believing that they are missing earned pay, 38% saying they are being paid late, and 23% claiming they are not receiving their pay slips. Research* highlights the challenges of managing the complexity of fast-paced shift work and the need for shift planning and payroll to be better connected in real-time to ensure accuracy.

The survey, conducted by Censuswide in August 2024 among 1,000 shift workers in the UK, found that nearly half (47%) of frontline workers believe that their changing shift patterns make it hard to keep track of hours worked and know if their pay is accurate. 44% believe that overtime is missed or not recorded and 36% blame inaccurate capture and recording of worked hours by their employer – all of which is resulting in them getting paid less than they're owed. As a result, half (49%) are checking their payslips for accuracy more than once a month.

Pickering added: "Shiftwork-based industries such as manufacturing, retail and 3PL are seeing vast changes to supply chain dynamics and consumer demand, making working patterns more volatile and varied. But there is no excuse for inaccurate and confusing pay – businesses must ensure they have the technology in place to make the planning, monitoring, and execution of work more efficient, effective and engaging for everyone, by simplifying processes for scheduling, shift swapping and the monitoring of worked hours against employment contracts.

Saudi Arabia Announces Yacht Regulations Ahead Of Marine Tourism Boom - Arabian Business: Latest...

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The Saudi Red Sea Authority (SRSA) has the Kingdom's first-ever regulations for yachts, regulating their activities, outlining necessary requirements and conditions, and overseeing the issuance of tourism and leisure licenses and permits.

The regulations for Saudi yachts will also ensure environmental protection, sustainability, and adherence to all safety requirements as part of SRSA's key role in developing a sustainable coastal tourism sector.

These goals contribute to enhancing user experiences and advancing the maturity of the coastal tourism sector.

The regulations for Saudi yachts include the conditions and procedures for issuing the technical licence for leisure tourism and the required criteria for yacht owners or authorized tourism maritime agents.

The regulations also specify the procedures and requirements for obtaining a tourism trip permit within Saudi Arabia's Red Sea waters, including mandatory documentation such as a list of passengers' information, sailing destinations, and chartering contract.

Regarding water toys, the regulations mandate obtaining the necessary approvals and licences for activities such as recreational fishing, diving, and more.

Affordable Housing Has To Be Built In The West End. It's Economics 101.

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Headlines:

While I agree that we need affordable housing throughout metro Louisville, we can't just leave the West End to rot. The problem there is that the housing stock there is simply substandard and insufficient. Moving West Enders east will not solve the West End's problems.

This article originally appeared on Louisville Courier Journal: Louisville's West End needs affordable housing not affluent East End

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704 Charges Due To ⁘Painful⁘ Labour Taxes | Express.Co.Uk

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Motorists could be hit with a staggering £704.72 rise in motoring bills within weeks if Labour presses ahead with rumoured changes.

The Government is keen to fill a supposed £22 billion black hole in public finances with motorists likely to be targeted in the Autumn Budget. Prime Minister Keir Starmer has already warned decisions made in the Budget will be "painful".

Although Labour has promised not to raise VAT rates which would have impacted car parts, there are lots of areas where drivers will still be affected.

New pay-per-mile car tax changes, fuel duty fees and likely car insurance increases will all hit motorists in the back pocket.

However, Labour's ambition to generate revenue could see this axed which would add £2.75 per week or £143 for a 55-litre family car.

But, experts have suggested Labour could be prepared to go further with Howard Cox, founder of FairFuelUK not ruling out a 10p per litre rise.

This increase would see fees rise by an extra £5.50 per week or £286 per year in a blow to cash-strapped individuals.

Clearwater To Unveil New Innovation For Accounting And Investment Professionals At Connect 2024

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Headlines:

PR Newswire: press release distribution, targeting, monitoring and marketing

A roundup of the most newsworthy press releases from PR Newswire this week, including new Zepbound® single-dose vials, Pizza Hut's Moving Box Table and a Starliner update from NASA. NEW YORK, Aug. 30, 2024 /PRNewswire/ -- With thousands of press releases published each week, it can be difficult to...

Click to share⁘ buttons on a press release are a helpful way to spread your message, but they don't go far enough. Typical social sharing buttons enable readers to share a link to your content but require them to write their own post copy. With SocialBoost, we embed a widget into your press release, enabling the reader to share both the link to your content and your pre-written social post copy. Learn More

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Stock Market News Live | Stock Titan

Experience lightning-fast stock market updates with Stock Titan, specialized in providing a stream of real-time news exclusively for individual stocks, filtering out unrelated general finance stories.

Leverage our dedicated stock news feed and trade with unparalleled AI insight. Stay ahead of the curve with us! For the latest updates, check out the news released today .

Here at Stock Titan, Rhea serves as your personal guide , delivering a variety of tools designed to enhance your trading decisions.

She has the unique ability to conduct real-time impact and sentiment analysis of the news published on our Stock Market Live Feed.

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BOISE, Idaho , Sept. 3, 2024 /PRNewswire/ -- Clearwater Analytics (NYSE: CWAN), a leading provider of SaaS-based investment management, accounting, reporting, and analytic solutions, will host Clearwater Connect 2024 at the Boise Centre on September 17-18 . The conference will bring together hundreds of experts and practitioners to explore Clearwater's platform under the theme ⁘Better Together 2.0: Empowering Performance.⁘

The conference will showcase Clearwater's latest innovations designed to enhance data management, reporting across asset classes, portfolio performance insights, and regulatory reporting. It will also feature the annual Excellence Awards, celebrating clients who have achieved outstanding results with Clearwater's platform.

This year's highlights include a keynote address by Kristin Armstrong , three-time Olympic gold medalist and the most decorated female cyclist in U.S. history. Attendees can also look forward to a Women in Finance networking breakfast, various accreditation tracks such as Industry Best Practices for continuing education credits, Hear from Your Peers for insights from industry professionals, and Product Labs and Workshops for live demonstrations of Clearwater's solutions.

⁘Clearwater Connect 2024 will be a pivotal event, showcasing innovations that simplify financial management,⁘ said Fleur Sohtz , Chief Marketing Officer at Clearwater Analytics. ⁘Attendees will experience cutting-edge solutions and engage in discussions on market trends, emerging technologies, and regulatory changes to enhance performance and drive growth.⁘

Paul Przybylski , Managing Director, Global Head of Product Strategy and Morgan Money , J.P. Morgan Asset Management

Follow Clearwater Analytics on LinkedIn and join the conversation on social media channels by using the hashtag #Connect2024.

Clearwater Analytics (NYSE: CWAN), a global, industry-leading SaaS solution, automates the entire investment lifecycle. With a single instance, multi-tenant architecture, Clearwater offers award-winning investment portfolio planning, performance reporting, data aggregation, reconciliation, accounting, compliance, risk, and order management. Each day, leading insurers, asset managers, corporations, and governments use Clearwater's trusted data to drive efficient, scalable investing on more than $7.3 trillion in assets spanning traditional and alternative asset types. Additional information about Clearwater can be found at clearwateranalytics.com .