Fin tech innovation launches in continental europe forbes

•

0 j'aime•1,083 vues

Luis Rivera

ETFmatic

Business

Fin tech innovation launches in continental europe forbes

Contenu connexe

En vedette

Okuri Ventures & Tetuan Valley - Menciones en medios Jan2011

Luis Rivera

Observador.pt - Esqueça o gestor de conta. Chegou o primeiro robô que lhe ger...

Luis Rivera

Audio boom i robo advisor et fmatic launches robo investment platform

Luis Rivera

Okuri Ventures & Tetuan Valley - Menciones en medios Mar2011

Luis Rivera

Robo-advisors on the march, says Deloitte

Luis Rivera

Why traditional risk profiling is not enough opinion iu.eu

Luis Rivera

Okuri Ventures & Tetuan Valley - Menciones en medios May2011

Luis Rivera

The Rise of the Accelerators, Dec 14th SETSI/ICEX/ADDigital

Luis Rivera

Invest every month in a selection of low-fee investment products, with simple tools to tailor and automatically rebalance your portfolio, while minimising your commissions. With the ETFmatic app for Android and iPad/iPhone our customers can efficiently: Set goals for their savings and contribute regularly, preferably in an automated way, to make it a no-effort habit Diversify their investments into low cost index funds or ETFs with low maintenance fees Ensure that the closer they are to using their savings, the less volatility they will have in their portfolio Easily manage their accounts from at any point and from any location And most importantly, rest assured that their assets are kept safe under the custody of one of the most trusted banks in the world

ETFmatic Seedcamp London 2014

Luis Rivera

Tetuan Valley Startup School 6 w2 - Spring 2012

Luis Rivera

Tetuan Valley Startup School 6 w4 - Spring 2012

Luis Rivera

Startup Spain Angel School - 1. La tecnología y el negocio de Internet

Luis Rivera

Tetuan Valley Startup School 6 w5 - Spring 2012

Luis Rivera

Tetuan Valley Startup School Fall 2009

Luis Rivera

En vedette (14)

Okuri Ventures & Tetuan Valley - Menciones en medios Jan2011

Observador.pt - Esqueça o gestor de conta. Chegou o primeiro robô que lhe ger...

Audio boom i robo advisor et fmatic launches robo investment platform

Okuri Ventures & Tetuan Valley - Menciones en medios Mar2011

Robo-advisors on the march, says Deloitte

Why traditional risk profiling is not enough opinion iu.eu

Okuri Ventures & Tetuan Valley - Menciones en medios May2011

The Rise of the Accelerators, Dec 14th SETSI/ICEX/ADDigital

ETFmatic Seedcamp London 2014

Tetuan Valley Startup School 6 w2 - Spring 2012

Tetuan Valley Startup School 6 w4 - Spring 2012

Startup Spain Angel School - 1. La tecnología y el negocio de Internet

Tetuan Valley Startup School 6 w5 - Spring 2012

Tetuan Valley Startup School Fall 2009

Plus de Luis Rivera

My name is Pedro Lau Semedo. I’m the CEO of Kognitas and I’m co-founder with Luis Rivera, and Alejo Martínez-Sansigre. And we are a wellbeing startup focusing on wellbeing for geeks. We provide an integrated service where we give people a chance to experiment from different challenges and little lifestyle changes delivered through chatbots. You have smart scales and a smart watch and a continuous glucose meter, and then people check at their wearable data and sensor the data and see if things are working. On top of that, we have support through personal health coaches. That really guide you through what things to change or what things are making an impact and, and the hope is that little by little people will make small changes, integrate their mass habits, and over time they will compound into big changes. Because I identified that whatever worked for me, probably work for a lot of other people in my situation: you know, middle aged people, professionals that don’t have a lot of time, they probably have kids. They’re already having the first signs of an unhealthy metabolism and lifestyle. Like, high cholesterol, high blood pressure. And, uh, we found that this worked much better than the typical fat diet, trying to go to the gym, not going to the gym, and all of those typical things that people are told to do. https://www.digitalocean.com/resources/podcast/aha-moment-kognitas

An Aha Moment Kognitas

Luis Rivera

Back to School

Luis Rivera

How to compete with Banks in 32 countries

Luis Rivera

Artificial Intelligence and Robo Financial Advising

Luis Rivera

Blood, sweat and tears

Luis Rivera

Aion bank acquires ETFmatic

Luis Rivera

The neobank is looking to boost its investment proposition. Belgium’s Aion Bank has acquired London robo-advisor ETFmatic Image source: Aion Bank. Aion Bank has acquired low-cost ETF investment platform ETFmatic, a new digital bank in Belgium backed by private equity giant Warburg Pincus. Aion launched last March as a subscription-based bank, with its €3.90/month Light account offering high-interest rates of up to 1 per cent and its €19/month Premium account offering automated ETF investing. This is where the ETFmatic acquisition comes in, Aion says the deal will help it create new investment products in more countries, while ETFmatic will continue to operate as a stand-alone brand. Wealth and investment offerings are fairly few and far between among digital banks right now. Currently, Revolut offers direct access to stocks, crypto and commodities trading, but not the kind of robo-advice offered by a Nutmeg or Wealthify. Aion Bank, now with ETFmatic’s help, is clearly trying to find a market in the middle for neobank plus robo-advisor. For ETFmatic the deal will also see an expansion of its white-label service across Europe, the service which Aion used to launch its ETF investment product. “ETFmatic has been a great partner since our Belgian launch in March 2020,” said Aion CEO Wojciech Sobieraj. “We are the bank designed to help our members save and earn more, and portfolio management is a key product as we prepare to expand across Europe.” Next up on that expansion is Poland, where the bank is due to do live later this year. Johan Hellman, CEO of ETFmatic, said: “ETFs have seen significant growth during the pandemic, and I anticipate investors will continue to look to ETFs as we see market recovery in the quarters to come.” The deal has already been approved by the UK’s Financial Conduct Authority and is effective immediately, no financial details of the deal were disclosed.

Belgiums Aion bank has acquired London robo advisor ETFmatic

Luis Rivera

Europe-wide robo-adviser has launched a capital gains harvesting feature to help its clients optimise their investments and reduce the need for aggressive asset allocation rebalancing. ETFmatic's new feature will work by identifying and selling those ETFs that have increased in value and replacing them with similar ones to ensure the same asset allocation exposure is maintained for clients. The robo-adviser claims to be Europe's only digital wealth management platform that offers ETF portfolios in sterling, Euros and US dollars. Luis Rivera, chief executive of ETFmatic, said: "Investors in Europe deserve cost effective portfolio management with asset allocations that make sense to them. Our aim is to offer clients more of the kinds of services that have historically only been available to individuals with several million to invest. "Since our launch two years ago, we have continuously been developing new solutions which add further value to our services. The new capital gains feature lays the groundwork for further tax optimisation tools around loss harvesting in the future." ETFmatic will begin rolling out the service to clients in 32 European Union states. Initially, it will only be available to eligible clients with portfolios of GBP/USD/EUR 50,000 plus. The company has said those who are not familiar with capital gains tax or the tax-free allowance should seek professional tax advice before deciding whether to enable the feature on their account. It charges 0.48 per cent on portfolios of up to GBP/EUR/USD 25,000, and 0.29 per cent for those of more than GBP/EUR/USD 25,000 and above. ETFmatic has not disclosed how much it has in assets under management.

FT Adviser - Robo-adviser launches tax monitoring feature

Luis Rivera

Portugueses estão entre os principais clientes da primeira gestora robótica de patrimónios. Mas os investidores nacionais são mais conservadores do que no resto da Europa. Portugueses já confiam num robot para gerir o seu dinheiro Bloomberg Ler mais tarde Imprimir Negócios jng@negocios.pt 14 de dezembro de 2017 às 12:39 A ETFmatic, a primeira gestora robótica de patrimónios a operar em Portugal, tem clientes em 32 países, entre os quais as maiores economias do mundo como Alemanha, França, Reino Unido, Espanha e Finlândia, mesmo assim o nosso país é um dos seus cinco melhores clientes, revela hoje o Observador. Há quase uma década que os gestores-robot são uma realidade nos Estados Unidos, país onde já administram mais de 45 mil milhões de euros. Mas na Europa o caminho tem sido mais lento, e em Portugal a ETFmatic é aliás a única empresa a usar este modelo de gestão de património – em que o dinheiro dos clientes é investido automaticamente através de algoritmos - e começou o operar há apenas um ano e meio. "Portugal é agora um dos cinco principais mercados" da ETFmatic, "definitivamente, não estávamos à espera", revela o empreendedor espanhol que fundou a ETFmatic, em Londres, Luís Rivera. O gestor não revela números, mas avança com uma explicação para o sucesso em Portugal: "Muito do nosso crescimento está a vir de países onde os emitentes de fundos cotados não investiram no desenvolvimento, [logo] a nossa oferta é mais disruptiva." Na mesma entrevista ao Observador, o fundador da ETFmatic conta que os investidores nacionais são mais conservadores do que no resto da Europa. A carteira mais comum entre os portugueses tem 40% aplicado no mercado accionista e 60% em fundos de obrigações, revela Luís Rivera. Ao nível europeu, a carteira mais popular tem 80% exposta a acções e 20% a obrigações, de acordo com as estatísticas mais recentes da companhia londrina. Isto acontece "apesar de [os portugueses] serem ligeiramente mais novos", com 32 anos, afirma Luís Rivera.

Negocios - Portugueses ja confiam num robot para gerir o seu dinheiro

Luis Rivera

Investment Observer - ETFmatic launch initiative to decrease gender gap in in...

Luis Rivera

ETFmatic, a provider of exchange traded funds (ETFs) has announced a reduction in its fees. The annual management fee on its range of passive portfolios of less than £25,000 will be 0.48 per cent, a reduction of 0.02 per cent. For portfolios of greater than £25,000, the annual management fee drops to 0.29 per cent, from the previous 0.30 per cent. When admin and tax costs are added, this takes the total expense ratio of the portfolios will be 0.60 per cent for the portfolio below £25,000, and 0.45 per cent for those above, according to the company.

FT Adviser - Passive platform announces fee cut

Luis Rivera

A pan-European robo-advice firm is hoping to hook in the next generation of investors with a zero management fee for under 18s. ETFmatic, which operates in the UK and 31 other European countries, began offering the service in October. Nations hit the hardest by the financial crisis, such as Spain and Ireland, have provided the most clients, the firm said. Product director Johann Bornman said: ‘Time and compound interest are incredible allies in achieving your financial goals. A simple way to ensure the highest possible rate of compound (return), for the level of risk you are willing to take, is to keep your costs as low as possible. ‘Paying high fees might send your banker’s kids to nice schools, but severely impacts where your children will call their alma mater.’ ETFmatic also recently removed management fees for women for a limited period, in a bid to close the gender gap among its clients.

Citywire - Online Investment firm cuts management fees to under 18s

Luis Rivera

Women who open and fund an account with ETFmatic will not pay investment management fees for six months. The robo-investor’s campaign is designed to throw light on the investment gender gap, which typically sees men in a better position to invest than women who are more likely to take career breaks or a cut in hours to raise their children. The ability for women to invest may also be hampered by the 18.6 per cent salary difference for all types of employment and 9.4 per cent for full-timers. While the gender pay gap is closing Deloitte estimates it will only slam shut in 2069, if the current trend perseveres. Attitude to risk is a further factor that adds to the differences between men and women. Several studies have found women are more likely to put money into savings accounts, rather than invest. ETFmatic concludes this indicates a lower tolerance for investment risk, which needs to be addressed if women are to achieve long-term financial goals. Stefanie zu Dohna, client and operations director at ETFmatic, said: “At ETFmatic 10 per cent of our clients are female. The average age of our customers is 34 years. This is an age where lots of people settle down and start seriously thinking about their investments for the future. "But this is also an age where many women are likely to be taking time out of full time work to raise children and earnings may decline - any savings put to one side on a regular basis need to work harder to meet long term financial goals. “For the next month any woman that opens and funds an account with ETFmatic will have zero investment management fees for six months. "We hope this helps plug any investment gaps, and encourages more women to use digital wealth management platforms as an alternative investment solution that’s quick, easy, transparent and secure.” Susan Hill, chartered financial planner at Susan Hill Financial Planning, said: “There is a need for women to take control of their finances. They like to have a plan and to work towards a goal, however they are more cautious than men, and take more time to consider their options. “I think male advisers don’t always help as they work differently to women and can come across as a little patronising. The solution is to get more female advisers out there and, of course, to ensure sound financial education starts at an early age, and is delivered with both genders in mind.”

Robo-adviser offers fee-free investing for women

Luis Rivera

How to use ETFs in portfolio construction ftadviser

Luis Rivera

ETFs vs index funds and the rise of smart beta ftadviser

Luis Rivera

ETF developments in 2017 and beyond ft adviser

Luis Rivera

El robo-advisor ETFmatic, presente en 32 países El robo-advisor ETFmatic se convierte en la primera aplicación en estar presente en 32 países. Ofrece carteras diseñadas individualmente de acuerdo con la tolerancia y riesgo de cada inversor. JUEVES, 19 ENERO 2017IRENE DEL CAMPO No hay comentarios Desde que comenzó su andadura en junio de 2016, ETFmatic ha realizado una rápida expansión internacional que le ha llevado en tan solo seis meses a ofrecer sus servicios en España, Portugal, Bélgica, Irlanda, Suiza, Dinamarca, Letonia, Austria, Estonia, Países Bajos, Polonia, Bulgaria, Croacia, Chipre, República Checa, Finlandia, Francia, Alemania, Gibraltar, Grecia, Hungría, Islandia, Italia, Liechtenstein, Lituania, Luxemburgo, Malta, Noruega, Rumania, Eslovaquia, Eslovenia y Reino Unido. Luis Rivera, consejero delegado (CEO) de la compañía, destaca que ofrecen “más flexibilidad que otros robo-advisors ya que permite gestionar un portfolio único para cada cliente”. Asimismo, llama la atención en otras de las ventajas de ETFmatic que “ofrece costes menores que la banca tradicional, con fácil accesibilidad las 24 horas los 365 días del año a través del móvil y que permite la apertura de una cuenta de inversión en 32 países en tan solo cinco minutos. Los inversores continentales tienden a pagar tarifas más altas, por lo que encuentran en los robo-advisors a un gran aliado para minimizar costes mientras generan altas rentabilidades”, explica. Esta aplicación, continúa la firma en un comunicado, “se diferencia de los productos existentes en el mercado por configurar un portfolio personalizado y único para cada cliente en función de su perfil de inversor (conservador, medio o agresivo), su edad y sus ingresos, así como las metas financieras establecidas, y no en base a los intereses de aquellos que lo comercializan. De este modo, según los datos registrados el servidor establece de forma automática una cartera diversificada diseñada para cumplir los objetivos de rentabilidad marcados”. Además, continúa, se trata del primer robo-advisor que está disponible directamente desde el móvil sin necesidad de entrar en una página web, a través de una herramienta de gestión simple y ágil. Desde la aplicación, los clientes pueden abrir una cuenta de simulación con fondos virtuales ilimitados para comparar beneficios y tarifas con variantes tradicionales. Y la inversión mínima requerida es de 100 euros. Según asegura el CEO de ETFmatic, “todas estas ventajas son posibles gracias a que hemos desarrollado una completa regulación y tecnología que nos ha permitido eliminar intermediarios y ofrecer un servicio completo a coste inferior comparado con la competencia”.

El robo advisor etfmatic presente en 32 países

Luis Rivera

Valida tu negocio sin desperdiciar tiempo ni dinero

Luis Rivera

Salon mi empresa como no arruinarse invirtiendo en negocios basados en inter...

Luis Rivera

Startupedia book v5.0

Luis Rivera

Plus de Luis Rivera (20)

An Aha Moment Kognitas

Back to School

How to compete with Banks in 32 countries

Artificial Intelligence and Robo Financial Advising

Blood, sweat and tears

Aion bank acquires ETFmatic

Belgiums Aion bank has acquired London robo advisor ETFmatic

FT Adviser - Robo-adviser launches tax monitoring feature

Negocios - Portugueses ja confiam num robot para gerir o seu dinheiro

Investment Observer - ETFmatic launch initiative to decrease gender gap in in...

FT Adviser - Passive platform announces fee cut

Citywire - Online Investment firm cuts management fees to under 18s

Robo-adviser offers fee-free investing for women

How to use ETFs in portfolio construction ftadviser

ETFs vs index funds and the rise of smart beta ftadviser

ETF developments in 2017 and beyond ft adviser

El robo advisor etfmatic presente en 32 países

Valida tu negocio sin desperdiciar tiempo ni dinero

Salon mi empresa como no arruinarse invirtiendo en negocios basados en inter...

Startupedia book v5.0

Dernier

Falcon Invoice Discounting platform in india

Falcon Invoice Discounting

Call Girls Ludhiana Just Call 98765-12871 Top Class Call Girl Service Available

Seo

It will be International Nurses' Day on 12 May

NZSG

Call Girls Kengeri Satellite Town Just Call 👗 7737669865 👗 Top Class Call Girl Service Bangalore Booking Contact Details :- WhatsApp Chat :- +91-7737669865 2-May-2024(SMW) Call Girls In Model Towh Bangalore +91-7737669865 !! Best Woman Seeking Man Call Girls Service, Escorts Service in Home Hotel in Bangalore NCR 24 Hours Available Service Call Girls, Contact Us +91-7737669865 (Any Time. Any Where) Call Girls in Bangalore, Noida, Gurgaon, Ghaziabad,Sexy Indian Female Escorts Service Bangalore NCRWelcome To Bangalore Escorts Service – An All Over New Bangalore Very Sexy Hot Call Girls Agency Service Escorts In South BangaloreNCRBangalore’s No. 1 High Profile Independent Female Escorts Service. We Provide Good Quality Educated Profile At Very Regnebal Price 100% Safe And Original.We Are Provide Escorts Service All OYO Hotels ,3*,4*,5* Star Hotel And Home Flat, Apartment. Guest-House. Services In -Call And Out – Call Both Are Services Available. 24Hrs. Any Time Any Where. In All Over Bangalore Noida Gurgaon Ghaziabad Faridabad.More Information And Contact Profile Real Pic Visit Our Website City Wise Escorts Service Agency.Good Looking Cheap And Best Models Girls U Can Get Best Click On Link……Night Call Girls Now In Hotel Le Meridien Gurgaon Near Female Escort One Shot — 5000/in call (time 1 hour), 6000/out call Two shot with one girl — 8000/in call (time 2 hour), 10000/out call Body to body massage with sex- 8000/in call (time 1 hour) Full night Service for one person– 12000/in call, 13000/out call (shot limit 3-4 shots) Full night Service for more than 1 person — please contact Us —7737669865 We are available 24*7 all days of the year. Call us — 7737669865 Thank you for Visiting.

Call Girls Kengeri Satellite Town Just Call 👗 7737669865 👗 Top Class Call Gir...

amitlee9823

Call Girls Electronic City Just Call 👗 7737669865 👗 Top Class Call Girl Service Bangalore Booking Contact Details :- WhatsApp Chat :- +91-7737669865 2-May-2024(SMW) Call Girls In Model Towh Bangalore +91-7737669865 !! Best Woman Seeking Man Call Girls Service, Escorts Service in Home Hotel in Bangalore NCR 24 Hours Available Service Call Girls, Contact Us +91-7737669865 (Any Time. Any Where) Call Girls in Bangalore, Noida, Gurgaon, Ghaziabad,Sexy Indian Female Escorts Service Bangalore NCRWelcome To Bangalore Escorts Service – An All Over New Bangalore Very Sexy Hot Call Girls Agency Service Escorts In South BangaloreNCRBangalore’s No. 1 High Profile Independent Female Escorts Service. We Provide Good Quality Educated Profile At Very Regnebal Price 100% Safe And Original.We Are Provide Escorts Service All OYO Hotels ,3*,4*,5* Star Hotel And Home Flat, Apartment. Guest-House. Services In -Call And Out – Call Both Are Services Available. 24Hrs. Any Time Any Where. In All Over Bangalore Noida Gurgaon Ghaziabad Faridabad.More Information And Contact Profile Real Pic Visit Our Website City Wise Escorts Service Agency.Good Looking Cheap And Best Models Girls U Can Get Best Click On Link……Night Call Girls Now In Hotel Le Meridien Gurgaon Near Female Escort One Shot — 5000/in call (time 1 hour), 6000/out call Two shot with one girl — 8000/in call (time 2 hour), 10000/out call Body to body massage with sex- 8000/in call (time 1 hour) Full night Service for one person– 12000/in call, 13000/out call (shot limit 3-4 shots) Full night Service for more than 1 person — please contact Us —7737669865 We are available 24*7 all days of the year. Call us — 7737669865 Thank you for Visiting.

Call Girls Electronic City Just Call 👗 7737669865 👗 Top Class Call Girl Servi...

amitlee9823

MONA 98765-12871 CALL GIRLS IN LUDHIANA LUDHIANA CALL GIRL

Seo

CALL NOW 98787-99926 CHANDIGARH BEST Call Girls in CHANDIGARH Escort Service provide Cute Nice sweet and Sexy Models in beautiful CHANDIGARH city cash in hand to hand call girl in CHANDIGARH and CHANDIGARH escorts. HOT & SEXY MODELS // COLLEGE GIRLS IN CHANDIGARH AVAILABLE FOR COMPLETE ENJOYMENT WITH HIGH PROFILE INDIAN MODEL AVAILABLE HOTEL & HOME ★ SAFE AND SECURE HIGH CLASS SERVICE AFFORDABLE RATE ★ 100% SATISFACTION,UNLIMITED ENJOYMENT. ★ All Meetings are confidential and no information is provided to any one at any cost. ★ EXCLUSIVE Profiles Are Safe and Consensual with Most Limits Respected ★ Service Available In: - HOME & 24x7 :: 3 * 5 *7 *Star Hotel Service .In Call & Out call Services : ★ A-Level (5 star escort) ★ Strip-tease ★ BBBJ (Bareback Blowjob)Receive advanced sexual techniques in different mode make their life more pleasurable. ★ Spending time in hotel rooms ★ BJ (Blowjob Without a Condom) ★ Completion (Oral to completion) ★ Covered (Covered blowjob Without a Condom)👉Chandigarh Call Girls 👉9878799926👉Just Call👉Chandigarh Call Girl In Chandigarh No Advance Only Cash On Delivery

👉Chandigarh Call Girls 👉9878799926👉Just Call👉Chandigarh Call Girl In Chandiga...

rajveerescorts2022

Monthly Social Media Update April 2024 pptx.pptx

Andy Lambert

Welcome to my Personal Brand Exploration Presentation! In this engaging and insightful presentation, I take you on a journey to discover the essence of my professional identity as a digital marketer. Through a blend of visual storytelling and strategic insights, I showcase the key elements that define my personal brand and highlight my unique value proposition in the digital marketing realm. In this presentation, you will: Gain an understanding of the objectives and significance of personal branding in the digital age. Explore the core values, strengths, and passions that shape my professional persona. Witness the creative process behind developing a cohesive visual identity and brand narrative. Learn how I leverage my skills, experiences, and aspirations to create meaningful connections with my audience and stakeholders. Discover the strategic approach I take in aligning my personal brand with industry trends, market demands, and future career goals. Whether you're a fellow digital marketer, a potential employer, or simply curious about the power of personal branding, this presentation offers valuable insights and inspiration. Join me as we delve into the world of personal branding and unlock the potential of crafting a compelling professional identity in today's competitive landscape.

Uneak White's Personal Brand Exploration Presentation

uneakwhite

Dive into the world of sales excellence with 'A Day in the Life of a Salesman/Woman.' This presentation offers insights into the daily routines and strategies of dedicated sales professionals, covering everything from strategic planning to closing deals. Explore key insights and practical tips for navigating the modern marketplace while celebrating the passion and purpose of those who drive the business forward.

A DAY IN THE LIFE OF A SALESMAN / WOMAN

IlamathiKannappan

Famous Olympic Siblings from the 21st Century

rwgiffor

Organisational success today depends on effective communication and collaboration with individuals from cultures with varying beliefs and practices. Indeed, with the workforce increasingly comprised of people of varying cultural backgrounds, leaders must now prioritise the significance of cultural competence in the workplace. Ensuring cultural competence at every level of your organisation cannot be understated. While cultural disparities can manifest in different ways, as a leader, you must build deep and nuanced cultural competence skills and education to accurately spot, address and alleviate the various scenarios that can arise. Failing to recognise the importance of cultural competence or not acting to improve it can lead to cultural negligence. There are a few things to consider to ensure your organisation is on the right track. In this deck, you'll understand the importance of building cultural competence in the workplace. You'll also learn • The three (3) dimensions of Cultural Competence in the workplace • Key strategies to build a culturally competent workforce • Major benefits you stand to gain by having a culturally competent team.

Cracking the Cultural Competence Code.pptx

Workforce Group

Mysore Call Girls 8617370543 WhatsApp Number 24x7 Best Services Call Girls Service Mysore Dipal ❤️🍑 8617370543 👄 Independent Escort Service Mysore Call Girls Service Mysore Dipal ❤️🍑 8617370543 👄 Independent Escort Service Mysore WhatsApp Chat With Charu:-8617370543 There are a number of Mysore Escorts willing to meet you at an affordable rate, which also possesses high moral standards and humanitarian tendencies. These girls can help satisfy the sexual desires of clients without fail; it is therefore essential that clients select an established service. Our services feature various packages at competitive rates: One shot: ₹2000/in-call, ₹5000/out-call Two shots with one girl: ₹3500/in-call, ₹6000/out-call Body to body massage with sex: ₹3000/in-call Full night for one person: ₹7000/in-call, ₹10000/out-call Full night for more than 1 person: Contact us at 8617370543 .

Mysore Call Girls 8617370543 WhatsApp Number 24x7 Best Services

Dipal Arora

John Halpern sued for sexual assault.pdf

AmzadHosen3

VVVIP Call Girls In Greater Kailash ➡️ Delhi ➡️ 9999965857 🚀 No Advance 24HRS Live Booking Contact Details :- WhatsApp Chat :- [+91-9999965857 ] The Best Call Girls Delhi At Your Service Russian Call Girls Delhi Doing anything intimate with can be a wonderful way to unwind from life's stresses, while having some fun. These girls specialize in providing sexual pleasure that will satisfy your fetishes; from tease and seduce their clients to keeping it all confidential - these services are also available both install and outcall, making them great additions for parties or business events alike. Their expert sex skills include deep penetration, oral sex, cum eating and cum eating - always respecting your wishes as part of the experience (07-May-2024(PSS)

VVVIP Call Girls In Greater Kailash ➡️ Delhi ➡️ 9999965857 🚀 No Advance 24HRS...

Call Girls In Delhi Whatsup 9873940964 Enjoy Unlimited Pleasure

Call Girls Zirakpur Call Girls👧 Book Now📱7837612180 📞👉Call Girl In Service Zirakpur Call Girls Service No Advance Cash On Delivery Zirakpur BEST Call Girls in Zirakpur Escort Service provide Cute Nice sweet and Sexy Models in beautiful Zirakpur city cash in hand to hand call girl in Zirakpur and Zirakpur escorts. HOT & SEXY MODELS // COLLEGE GIRLS IN Zirakpur AVAILABLE FOR COMPLETE ENJOYMENT WITH HIGH PROFILE INDIAN MODEL AVAILABLE HOTEL & HOME ★ SAFE AND SECURE HIGH CLASS SERVICE AFFORDABLE RATE ★ 100% SATISFACTION,UNLIMITED ENJOYMENT. ★ All Meetings are confidential and no information is provided to any one at any cost. ★ EXCLUSIVE Profiles Are Safe and Consensual with Most Limits Respected ★ Service Available In: - HOME & 24x7 :: 3 * 5 *7 *Star Hotel Service .In Call & Out call Services : ★ A-Level (5 star escort) ★ Strip-tease ★ BBBJ (Bareback Blowjob)Receive advanced sexual techniques in different mode make their life more pleasurable. ★ Spending time in hotel rooms ★ BJ (Blowjob Without a Condom) ★ Completion (Oral to completion) ★ Covered (Covered blowjob Without a Condom)Zirakpur Call Girls👧 Book Now📱7837612180 📞👉Zirakpur Call Girl Service No Advance Cash On Delivery

Call Girls Zirakpur👧 Book Now📱7837612180 📞👉Call Girl Service In Zirakpur No A...

Sheetaleventcompany

Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.

Falcon Invoice Discounting: The best investment platform in india for investors

Falcon Invoice Discounting

Value Proposition canvas- Customer needs and pains

P&CO

Call Girls In Majnu Ka Tilla (Delhi) Call or Whataap {+91-8377877756} Escorts Provide 24×7 Available With Room ☆☆TIMINGS 24 HOURS OPENS☆☆☆ Booking Now Gentleman Only:-Call Now Best High Class Normal Call Girls Escorts Service In Delhi NCR 24-7 Hours Available Service I provide In Delhi NCR Female Escorts Sex Service 100% Customers Satisfaction Guarantee VIP Profiles Top Grade Service 100% Cooperative All round Service ꧁❤8377877756❤꧂ InCall: – You Can Reach At Our Place in Delhi Our place Which Is Very Clean Hygienic 100% safe Accommodation OutCall: – Service For Out Call You Have To Come Pick The Girl From My Place. We Also Provide Door Step Services. Note: – Pic Collectors Time Passers And Bargainers Stay Away As We Respect The Value Of Your Money And Time And Expect The Same From You. 8377877756. Hygienic: – Full Ac Neat And Clean Rooms Available In Hotel 24 * 7 Hrs In Delhi NCR 8377877756. Place: – South Extension Nehru Place Saket Malviya Nagar Munirka Vasant Kunj Safdarjung Katwaria Sarai Lajpat Nagar Kalkaji Hauz Khas Mahipalpur Dwarka Karol Bagh Noida Gurgaon Faridabad All Outcall Only Hotel Service In Delhi Ncr 8377877756. We are providing. : – House Wife’s : – Private Independent House Wife’s : – Private Independent Collage Going Girls : – Corporate MNC Working Profiles : – Call Center Girls : – Live Band Girls : – Foreigners and Many More: – Independent Models Service type : – Incall Short 2500 : – Outcall Short 3500 : – Incall Night 8500 : – Outcall Night 95,00 For Pictures And Other Details Pls Whatsapp Me Otherwise Call Me Any Time Incall Outcall Both Are Services Available Door Step, House, Apartment, Guest House, Flate, All Star Hotel Available ꧁❤8377877756❤꧂ THANKS FOR VISITING. Booking 24×7 HRS

FULL ENJOY Call Girls In Majnu Ka Tilla, Delhi Contact Us 8377877756

dollysharma2066

Insurance IoT is a social good! Because: 🔵 Expected losses can be reduced structured programs with both real-time mitigation actions to solve a specific situation, and behavioral change mechanisms to promote safer behaviors (both in personal and commercial lines) 🔵 Rate can be matched to risks better: - Smaller and more accurate pricing clusters allow a large part of profiles to receive a lower rate - Even with the ability to price the individual probability of loss (cluster of one) the insurance foundation isn’t canceled (The risk of each policy will contribute to the expected losses of the portfolio; The premiums paid by many lucky policyholders will be used to pay the claims of the few unlucky policyholders who had an accident in a period of coverage) 🔵 IoT data can be used to increase the effectiveness and efficiency of the claim process, so improving the combined ratio ceteris paribus ⏩ Large part of the policyholders will pay less (and portfolios currently difficult to insure will become more insurable) Insurance IoT (and telematics) is not about providing a discount Insurance IoT (and telematics) is about creating economic value using the data and sharing part of this value with policyholders (and agents & brokers) An integrated holistic adoption of the IoT paradigm is a game changer for your insurance business and a social good: ◾ it allows to improve the availability and affordability of insurance coverages ◾while allowing the sector to write a profitable business Below you can enjoy a selection of best practices in both personal and commercial lines - written with some of the IoT Insurance Observatory members - that have already started to obtain results from their IoT business transformation journeys

Insurers' journeys to build a mastery in the IoT usage

Matteo Carbone

Dernier (20)

Falcon Invoice Discounting platform in india

Call Girls Ludhiana Just Call 98765-12871 Top Class Call Girl Service Available

It will be International Nurses' Day on 12 May

Call Girls Kengeri Satellite Town Just Call 👗 7737669865 👗 Top Class Call Gir...

Call Girls Electronic City Just Call 👗 7737669865 👗 Top Class Call Girl Servi...

MONA 98765-12871 CALL GIRLS IN LUDHIANA LUDHIANA CALL GIRL

👉Chandigarh Call Girls 👉9878799926👉Just Call👉Chandigarh Call Girl In Chandiga...

Monthly Social Media Update April 2024 pptx.pptx

Uneak White's Personal Brand Exploration Presentation

A DAY IN THE LIFE OF A SALESMAN / WOMAN

Famous Olympic Siblings from the 21st Century

Cracking the Cultural Competence Code.pptx

Mysore Call Girls 8617370543 WhatsApp Number 24x7 Best Services

John Halpern sued for sexual assault.pdf

VVVIP Call Girls In Greater Kailash ➡️ Delhi ➡️ 9999965857 🚀 No Advance 24HRS...

Call Girls Zirakpur👧 Book Now📱7837612180 📞👉Call Girl Service In Zirakpur No A...

Falcon Invoice Discounting: The best investment platform in india for investors

Value Proposition canvas- Customer needs and pains

FULL ENJOY Call Girls In Majnu Ka Tilla, Delhi Contact Us 8377877756

Insurers' journeys to build a mastery in the IoT usage

Fin tech innovation launches in continental europe forbes

Recommandé

Recommandé

Contenu connexe

En vedette

En vedette (14)

Plus de Luis Rivera

Plus de Luis Rivera (20)

Dernier

Dernier (20)