Investing news editorial calendars 2022 for sale

But the Ukrainians defended themselves by using the experience they gained from earlier attacks and aid from western allies. They quickly uploaded as much data as they could into the cloud to create backups. We look at the tactics that prevented Russia winning the cyber war. A new method that could automatically detect and kill cyberattacks on laptops, computers and smart devices — in under a second — has been devised by researchers at Cardiff University. Findings published in the journal Security and Communications Networks suggest that artificial intelligence can help to successfully prevent up to 92 per cent of files on a computer from being corrupted, and wipe out malware in just 0.

This new approach is based on monitoring and predicting the behaviour of malware, rather than the traditional antivirus method of analysing what a piece of malware looks like. So, can AI win the war? Be Prepared: Why Companies need an Information Security Policy All companies these days need an information security policy - setting out exactly how they ensure security in data destruction, acceptable use of devices, and regulatory compliance.

That creates an immediate cybersecurity weakness, leaving businesses vulnerable in times of crisis with rapidly changing data needs - such as the Covid pandemic. What policies, then, must all companies put in place? Cyber Risks: To Insure, or not to Insure? As cyber threats grow, the case for insuring against them should become stronger. However, the spiralling cost of insurance is leading some businesses to consider alternatives.

How these changes will affect you will depend on your income and other factors, so check how much more or less you'll be paying in and take that into account for your monthly budget. Changes to retirement savings rules : There are some complicated changes to the rules for contributing to various savings plans. Check what will happen to the amounts you and your employer are allowed to contribute to employer-sponsored plans , how much you can deduct for contributions to a traditional IRA, and whether you are eligible to contribute to a Roth IRA in However, you don't have to make this payment if you file your return Form or Form SR and pay any tax due by Jan.

IRS begins the tax season and starts accepting and processing individual tax returns. If you can't file and pay your tax by Feb. March 3: Employment Situation Report February. April Financial Literacy Month. April 1: Employment Situation Report March.

April Major Spending Holiday Easter. Due date to file tax return or request extension and pay tax owed due to the Emancipation Day holiday in Washington, D. April Beige Book Release April. Due date to file tax return or request extension and pay tax owed for those who live in Massachusetts or Maine due to the Patriots' Day holiday.

May 6: Employment Situation Report April. May Beige Book Release June. Residents Abroad: "If you're a U. Otherwise, see April 15, earlier. If you want additional time to file your return, file Form to obtain four additional months to file and pay what you estimate you owe in tax to avoid penalties and interest. However, if you're a participant in a combat zone, you may be able to further extend the filing deadline. June Bank Holiday Juneteenth Observed. July 8: Employment Situation Report June.

August Aug. As of Sept. October Oct. November Nov. You can use Form December Dec. The last day for k contributions. Residential Energy Property Tax Provision Expires: Expiration of the credit for individuals for residences with renewable-energy properties, such as solar panels.

Other Events to Keep in Mind Aside from the monthly events you should account for that are listed above, here are a few others that you may want to mark down on your calendar. These events aren't date-specific and depend on your personal circumstances.

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Cloetta is selling a loose candy Christmas calendar, which the buyer can fill with as many candies as they can fit in the door. The calendar is not weighed, but is sold at a fixed price. The loose candy calendars have already arrived in stores, and there are a limited number of them on sale.

The chocolates are made from Fair Trade chocolate and there is also one empty hatch to remind us of the human rights problems related to the chocolate industry. A new Christmas calendar has also appeared from Panda, which especially spoils the lovers of salmiakki lactrice. The Better Snacks calendar contains various protein and snack bars as well as various nibbles, such as nuts and berries and fruits covered with raw chocolate.

The raw chocolate Christmas calendar, on the other hand, contains 24 different chocolate treats made in Finland. Among other things, various raw chocolate bars are included. With the rapidly emerging growth of platforms like Ethic, it appears that a more personalized values-based investing approach is a new version of direct indexing that is here to stay.

The only question is which client segments in particular will want to adopt this approach. In fact, in the early years, then-Labor Secretary Perez outright touted Wealthfront as a lower-cost fiduciary alternative to traditional Wall Street. The caveat, though, is that as the number of robo-advisers proliferated, consumers increasingly had to vet various robo-adviser options and choose which one had the best investment management solution — a decision not dissimilar to what consumers already faced in trying to pick a mutual fund or ETF.

The incumbents had one immense advantage — an existing base of retail DIY investors to whom the solution could be cross-sold, rather than needing to market their solution to new investors who would have to open new accounts and move their money. Within a few years, almost every pure robo-adviser but the original two — Wealthfront and Betterment — had been driven out of business because of those prohibitive client acquisition costs, and the last two were looking for an exit.

Outflows and attrition are likely up because client turnover typically increases in a bear market. Rising interest rates have changed the cost of capital that fuels valuation multiples. And fintech valuation multiples themselves have compressed industrywide. This means Hassan knows exactly what it takes to build and roll out digital tools within a mega-enterprise like UBS. In the end, though, the real moral of the story is simply that the financial services industry incumbents are far larger than almost anyone truly realizes, to the point that companies like Schwab and Vanguard could wait 3-plus years and still quickly leapfrog well-funded robo-adviser startups.

At the same time, advisers have faced a growing pressure to do more to show their value and justify their ongoing advisory fees. This allows the advisers to get a more holistic view of all of the assets and advice opportunities of their plan participants.

This can change the entire nature of how independent advisers find and obtain or cannot obtain new clients in the coming decade. Financial accounts were splintered across multiple banking and brokerage institutions; mutual funds and even individual stocks might be held directly with the companies; insurance lived in its own silo.

As a result, one of the key benefits of going through the financial planning process and getting a financial plan was simply that it provided — for many, for the first time ever — a single consolidated balance sheet that reflected their entire household finances. Over the years, the process of gathering financial data became easier as software rose to the challenge, automated by account aggregation, from Mint.

The caveat, though, is that the classic balance sheet is arguably not necessarily the best way to help clients visualize their net worth. After all, the balance sheet originated as a way for accountants to report on the value of a business enterprise and not necessarily as a way for a not-necessarily-as-financially-sophisticated individual household to visualize its finances.

This is especially true when there are multiple members of a household in which not all assets may be evenly split. Asset-Map has spent years iterating on its design and figuring out the best way to include so much information on a single page at the right level of abstraction without being overwhelming — which is no small feat — and RightCapital will likely need multiple iterations over time to fully catch up.

At the same time, though, RightCapital launching an Asset-Map-style visualization and the possibility that another planning tool would acquire Asset-Map to catch up also highlights how a lot of innovation in financial planning software is not actually happening within existing planning software platforms, but in new startups growing around the periphery.

Planning software will increasingly have to make decisions about whether to buy or build their own version of increasingly popular features from startups, as planning software itself increasingly becomes a hub that advisers anchor to. Though in the end, it may ultimately be welcome news to many AdviserTech startups to know that in the future, financial planning software providers may become the new exit-plan acquirers.

In part, this is because the fees that financial planners charge are usually high enough that a client needs to have some nontrivial financial complexity just to have enough at stake to make it worthwhile to hire a financial adviser.

Because of the complexity of most financial planning problems, along with the fact that they tend to play out over years or more often, decades , over which most people cannot intuitively do compounding math in their heads, financial planning software evolved relatively sophisticated capabilities to model complex planning situations, enabling advisers to conduct the appropriate analyses to craft the right recommendations.

The challenge, however, is that complex situations take a lot of time to analyze even with highly capable software. From the adviser perspective, Elements and its OPFP are appealing because of the focus on monitoring and its ability to fill a void in providing meaningful engagement for ongoing clients around their financial plan.

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The only question is which client segments in particular will want to adopt this approach. In fact, in the early years, then-Labor Secretary Perez outright touted Wealthfront as a lower-cost fiduciary alternative to traditional Wall Street. The caveat, though, is that as the number of robo-advisers proliferated, consumers increasingly had to vet various robo-adviser options and choose which one had the best investment management solution — a decision not dissimilar to what consumers already faced in trying to pick a mutual fund or ETF.

The incumbents had one immense advantage — an existing base of retail DIY investors to whom the solution could be cross-sold, rather than needing to market their solution to new investors who would have to open new accounts and move their money. Within a few years, almost every pure robo-adviser but the original two — Wealthfront and Betterment — had been driven out of business because of those prohibitive client acquisition costs, and the last two were looking for an exit.

Outflows and attrition are likely up because client turnover typically increases in a bear market. Rising interest rates have changed the cost of capital that fuels valuation multiples. And fintech valuation multiples themselves have compressed industrywide.

This means Hassan knows exactly what it takes to build and roll out digital tools within a mega-enterprise like UBS. In the end, though, the real moral of the story is simply that the financial services industry incumbents are far larger than almost anyone truly realizes, to the point that companies like Schwab and Vanguard could wait 3-plus years and still quickly leapfrog well-funded robo-adviser startups.

At the same time, advisers have faced a growing pressure to do more to show their value and justify their ongoing advisory fees. This allows the advisers to get a more holistic view of all of the assets and advice opportunities of their plan participants. This can change the entire nature of how independent advisers find and obtain or cannot obtain new clients in the coming decade. Financial accounts were splintered across multiple banking and brokerage institutions; mutual funds and even individual stocks might be held directly with the companies; insurance lived in its own silo.

As a result, one of the key benefits of going through the financial planning process and getting a financial plan was simply that it provided — for many, for the first time ever — a single consolidated balance sheet that reflected their entire household finances. Over the years, the process of gathering financial data became easier as software rose to the challenge, automated by account aggregation, from Mint. The caveat, though, is that the classic balance sheet is arguably not necessarily the best way to help clients visualize their net worth.

After all, the balance sheet originated as a way for accountants to report on the value of a business enterprise and not necessarily as a way for a not-necessarily-as-financially-sophisticated individual household to visualize its finances. This is especially true when there are multiple members of a household in which not all assets may be evenly split.

Asset-Map has spent years iterating on its design and figuring out the best way to include so much information on a single page at the right level of abstraction without being overwhelming — which is no small feat — and RightCapital will likely need multiple iterations over time to fully catch up. At the same time, though, RightCapital launching an Asset-Map-style visualization and the possibility that another planning tool would acquire Asset-Map to catch up also highlights how a lot of innovation in financial planning software is not actually happening within existing planning software platforms, but in new startups growing around the periphery.

Planning software will increasingly have to make decisions about whether to buy or build their own version of increasingly popular features from startups, as planning software itself increasingly becomes a hub that advisers anchor to. Though in the end, it may ultimately be welcome news to many AdviserTech startups to know that in the future, financial planning software providers may become the new exit-plan acquirers.

In part, this is because the fees that financial planners charge are usually high enough that a client needs to have some nontrivial financial complexity just to have enough at stake to make it worthwhile to hire a financial adviser. Because of the complexity of most financial planning problems, along with the fact that they tend to play out over years or more often, decades , over which most people cannot intuitively do compounding math in their heads, financial planning software evolved relatively sophisticated capabilities to model complex planning situations, enabling advisers to conduct the appropriate analyses to craft the right recommendations.

The challenge, however, is that complex situations take a lot of time to analyze even with highly capable software. From the adviser perspective, Elements and its OPFP are appealing because of the focus on monitoring and its ability to fill a void in providing meaningful engagement for ongoing clients around their financial plan.

Elements was purpose-built for ongoing engagement, with a mobile-first design approach to its interface and visualizations and financial tracking for clients. Gather information from within the organization Collaboration with colleagues from other departments will help to round out your internal communications content calendar.

Think of the different areas in your organization that regularly communicate with employees and get them to come up with a list of topics and dates they know in advance they would be sending out so you can include these in your communications calendar template.

As well as your corporate leadership team, other teams to reach out to so they can contribute to the communications calendar template include payroll, Human Resources, IT, finance, marketing, external communications and various project teams and departments who will have good news to share.

You can gather all the information in one handy place, such as via Google forms. Build your internal communications content calendar The next step is to take those content ideas and make them something tangible and measurable. When you begin to populate your communications calendar template calendar you should factor in the following: Who is the audience for the content? Some things are appropriate for the entire organization, but others may be for a niche audience only. How will you deliver the content?

What format will it be in and what delivery channels will you use? For example, will you use visual mediums such as screensavers or digital signage? Text only? Who will be responsible for creating the content? You may rely heavily on information being provided by other teams in the organization so you can create the content.

If so, what are the deadlines? What is the approval process? When should the content be received by employees? Some content will have a firm date. Set KPIs so that you can measure the usefulness and effectiveness of your content. Popular tools for internal communications calendar Having the right tool for the job of internal communication planning will help you to stay on top of your content. Microsoft Excel A content calendar template in Microsoft Excel is a great way to easily plan out different types of content.

You can customize templates to suit your specific organizations needs. Microsoft Excel was a very popular choice among the respondents to our survey - 61 per cent said they use it, or Google Drive below. Google Drive There are different ways you can use Google Drive to make it easier to plan and schedule content.

Google Sheets - a spreadsheet like Excel, it can be used to schedule your content and track the status of different content items, as well as assigning work to different team members. Trello Trello is a good way to organize all sorts of information and collaborate with others, and it can be useful for content planning. You can create different cards, boards and lists and assign tasks to different team members with due dates.

It has yearly, monthly and weekly logs which help you to keep track of dates for content creation and publishing. Smartsheet Smartsheet is a collaboration and work management platform that is used by work teams to track projects, assign tasks, manage calendars, share documents and more.