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 格安sim | おっさんの放課後 複雑なことをシンプルに シンプルなことに深みを Sat, 06 May 2017 17:14:17 +0000 ja hourly 1 格安simをNifmoからbiglobeへ乗り換えました! /biglobesim-nifmo/ /biglobesim-nifmo/#respond Sat, 06 May 2017 17:14:17 +0000 /?p=3962 MNPで格安simのニフモから格安simのbiglobeへ乗り換えました。 ニフモとの契約解除、biglobeとの契約方法を紹介します。 ニフモでsimカードサイズ変更を検討している人はキャンペーンを利用して他社に移った方が得です。 MVNO→他社MVNOへと乗り換えることも今後増えてくるはず、ニフモに限らずほぼ同じ手順で乗り換えられます。   ニフモから転出した理由 僕の初めてのスマホはzenfone5、MVNOニフモの端末セットで購入しました。 zenfone5は購入して3ヶ月でトイレに水没w 奇跡的にsimカードは無事だったので、Asendmate7を購入して利用していました。   12時台と17時台が遅い MVNOの宿命は回線の遅さ。 ニフモは回線増強を定期的に繰り返す優良MVNOだと思います。 それでも12時台と17時台に読み込みが遅くなってしまい、まともに使えなくなることが何度かありました。   200円×24ヶ月の値引きが終わる 2017年6月までは契約時のキャンペーンが適用されていて、3Gプラン月々の料金1700円から−200円で1500円で済んでいました。 そのキャンペーンが終わってしまうので「いいキャンペーンがあったら他社に乗り換えよう」と思っていました。   知名度が低い 「どこの会社?」 49hack 「ニフモ」 「ニフモ???」 49hack 「@niftyとかやってるところやけど知らん?」 「聞いたことない・・・」   この会話が何度繰り返されたことか。 ニフモという響きもダサく感じてきました。   simカードサイズ変更に3000円かかる どこのMVNOでもsimカードのサイズ変更には2000円〜3000円かかります。 キャンペーンで無料交換ができる時もありますがごく稀。   念願のmate9を購入してsimカードを入れようと思ったら入りませんでした。 僕が使っていたのはmicro SIMでmate9はnano SIMしか使えない仕様でした。 mate9はnanosimだと!mate7で使ってたマイクロsim使えんやんけー!! #Mate9 — どん底おっさんブロガー (@49hackJp) March 27, 2017   ニフモではsimカードのサイズ変更をするには3000円、ニフモからのMNP転出費も3000円。 ならsimサイズ変更を兼ねて他社に行った方がお得♩   他社へ乗り換える際には新規契約時に3000円程度かかります(初期費用)。 3000円キャッシュバック以上のキャンペーンが行われていないと損になります。   まとめると、 出るのに3000円、入るのに3000円。 サイズ変更3000円なので「出る」のと費用は同じ。 入る時にかかる3000円をチャラにするにはそれ以上のキャンペーンを狙う。   同じ会社でsimカード変更に3000円かかるなら、他社に乗り換える時にカードサイズ変更したらいいやん戦法。   biglobeに転入した理由 候補はLINEモバイル、楽天モバイル、DTIモバイル、mineo、DMMモバイル。   mate9はドコモ系MVNOでないとダメ どのMVNOにしようかと考える以前に、端末縛りがあります。 Mate9はドコモ系MVNOでないと使えません。 biglobeはドコモ系なので問題ありません。   mineoはau系で始まった印象が強く、現在はドコモ系も展開してますが候補から外しました。   ニフモから転入できるMVNO 今使っているMVNOから転入できるMVNOと転入できないMVNOがあります。 MVNO縛りです。   NifMoから「OCNモバイルONE、ぷららモバイルLTE、Master`sONE、GTN MOBILE、Sun-Netモバイル、MORAモバイル、ANSIM(アンシム)、MUSASHI MOBILE、LINEモバイル、J・mobile、ハルモバイル、坊っちゃん電力のSIMカード、大一でんわ、Any-Mo(エニモ)、やまとモバイル、カシモ、J1mobile、@Sモバイル」へのMNPによる転出および、上記事業者からNifMoへの転入は行えません。 NifMoを解約し、現在利用中の電話番号を他社で引き継いで使いたい。(MNP転出)どうしたらいいですか。| 会員サポート > Q&A(よくあるご質問):@nifty   端末縛りは電波の問題で理解できるとして、転入できないMVNOがあるっていうのは理解できません。 追記で「事業者は事前予告なく追加される」という1文が書かれているのが恐ろしい。 極論、全事業者転入できないようにされることもありえるという・・・。 候補の1つだったLINEモバイルが消えました。   MVNOの契約時には転入できないMVNOを見ておくというのが大事ですね。   キャンペーンがアツい キャンペーンがアツいMVNOといえば楽天モバイルですが、biglobeも魅力的なキャンペーンを行っています。 楽天モバイルは端末との合わせ売りでお得感を演出してますが、 biglobeのキャンペーンは回線のみの契約でもキャッシュバックが5000円、音声simでないデータsimでも適用!など既に端末を持っている他社ユーザーが乗り換え安いキャンペーンが多いんですよ〜。 転入費用に3000円かかるので、乗り換えるには3000円以上のキャンペーンをしてくれないとなかなか乗り換えにくい・・・という心理を完全にわかってくれてますね。   今回は月6ギガの音声simプランを契約して、キャッシュバックが12000円もらえるキャンペーンを適用できました! 7月までの限定キャンペーンでは他の特典と重複してご利用できる招待コードキャンペーンを実施中、招待された人も招待した人も1ヶ月分の料金が無料になるというお得なキャンペーンをやっています。 49hack 僕の招待コードは33694262495   DTIは買い替え検討時期にキャンペーンが弱かったので候補から外しました。   エンタメフリーオプションが魅力的   biglobeにはエンタメフリーというオプションがあります。 YoutubeやSpotifyなど特定サービスで使用した容量(パケット)は通信量としてカウントしないというサービスです。 6Gプラン以上の利用者しか利用できない 音声sim利用者なら+480円、データsim利用者なら+980円かかる という2点がネックですが、 選択肢としてそういうオプションがつけられるというのはメリットです。   回線速度で悪い評判を聞かない 4月から使い始めて1ヶ月経ちましたが、ニフモの時のようなつながりにくさは感じません。 毎月の実行速度調査などでも10位以内には必ずランクインしています。 楽天モバイルは本来の速度を偽ったり、使っているユーザーの遅すぎるという声が多いなど悪い噂しか聞かないので候補から外しました。   MVNOではメジャーな知名度 biglobeはネットのプロバイダー時代から名前を知っているので、企業としての安心感があります。(ニフモも@niftyで老舗なんだけどイマイチ感は拭えない・・・) DMMモバイルは企業としての知名度が男に偏りすぎているので候補から外しましたw   ニフモを解約・解除する方法 MNP番号申請・発行(申請後1日〜2日で発行される) MNP番号発行後、乗り換えをやめてもOK 放っておけばMNP番号は無効になるので、今までの回線をそのまま使える。   他社との契約開始で自動的に解約 音声simを契約していた場合は他社へMNP番号を伝えて、転入手続きを開始した時点でニフモとの契約は自動的に切れる。     ニフモから解約完了の通知メール ニフモが転入手続きが開始したことを認識してくれると解約通知がメールがくる。 「NifMo でご契約いただいている電話番号のMNP転出が完了いたしました。 それに伴いNifMo のご契約は解除となりましたので、その内容を以下の 通りご連絡します。」   メール内のリンクから@ニフティの解除手続き 解約通知のメール下部に@niftyの契約解除のURLが記載されている。 ニフモと縁を切るには MNP発行して転入手続き→ニフモの音声プラン契約終了 ニフモのマイページ情報が更新→@niftyの契約解除可能に→@nifty(月額250円)支払いストップ という2つをしないといけない。 MNP番号を使って他社への転入手続きが開始していても、ニフモが「このユーザーは解約した」と認識してくれるまで@niftyの契約解除はできない。   NifMoを解除された場合でも、@niftyの契約は継続となります。ご利用さ れない場合は別途、解約手続きをしてください。 ● 解約のご案内   simカード返却 ニフモから借りていたsimカードを返却する。費用はこちら持ち。 simカードを紙に貼り付け、氏名、住所記載。 心配なら会員IDも。 封筒と切手は郵便局で購入可能。 SIMカードを握りしめて郵便局へGo! 参考 NifMoのSIMカードの返却方法を教えてほしい。| 会員サポート > Q&A(よくあるご質問):@nifty ]]> /biglobesim-nifmo/feed/ 0 楽天モバイルの契約ページが高齢者をカモにしている件 /rakutenmobile-misslead/ /rakutenmobile-misslead/#respond Thu, 02 Mar 2017 17:35:23 +0000 /?p=3760 楽天モバイル契約ページの紛らわしい表記への警鐘。明らかに高齢者をカモにして利益を貪ろうとする企業の姿勢を感じます。楽天モバイルの簡単な特徴と楽天が過去にユーザーを欺いてきた歴史を紹介します。楽天モバイル契約時は要注意。   格安SIMをNifmo(ニフモ)で使い始めて今年の6月で2年になります。6月からは月々の200円割引が適用されなくなるので乗り換えを検討中。 楽天モバイルが最有力候補の1つなんですが、契約ページに明らかにユーザーが勘違いしてしまいそうなトラップが仕込まれていたので紹介します。   楽天モバイルとは 楽天市場を運営している楽天が経営するMVNO 広告では本田圭佑(サッカー日本代表)やX JAPANのYOSHIKIを起用しています。 「絶対お前ら格安SIM使ってねーだろ」という感じがすごいですが、 イメージ戦略ということでよしとしましょうw 利用者数1位 15歳から69歳の男女35161人を対象にした調査で、格安simユーザーの利用率第1位、約20%が楽天モバイルでした。 参考2016年9月格安SIMサービスの利用動向調査 格安simとしては後発組のイメージだったので利用率第1位というのは意外でした。   通話simと端末のセット売りが魅力 通話simと端末のセット売りが安いのが一番のウリで、キャンペーンの数も多いです。 @49hackJp垂涎のmate9も3月9日の楽天スーパーセールで30400円(限定500台)で販売してくれます。定価のほぼ半額という驚異的な安さ。   49hack 夜勤で参戦できない・・・ 誰か、僕の分を買っておいてください。 参考 大型スマホの名機mate9のメリット・デメリット   スピードテスト時の詐欺行為が発覚 格安simは会社が乱立しているので、どこのMVNOの回線速度が速いのか、ブロガーや調査会社が定期的に検証しています。 過去に楽天モバイルは、スピードテストアプリでは速度が出ているのに、実際は全然遅いというブーストのような行為が発覚したことがあります。 FREETELや楽天モバイルといった評判の良いMVNOの速度の良さが、スピードテストアプリ上に限られるという事実が発覚したことから、今後よほどしっかりした改善を行わない限りは速度比較という点において選択肢に入ることは少ない MVNO格安SIMの速度比較 2月 IIJmio/mineo/楽天モバイル/FREETEL/OCN/BIGLOBE/DMM/UQ mobile他 | 格安スマホ回線研究所   厳密にはスピードテスト「ブースト」ではなく開放や規制といった類のものだったようです。 FREETELや楽天モバイルが行っているのはスピードテストだけが速くなる「ブースト」ではなく、動画やファイル系のダウンロードに規制がかかるタイプのもので、一応規制時間外ではスピードテストとほぼ同等の速度で動画などを見れるようになっています。 MVNO格安SIMの速度比較 3月編 一部MVNOで混雑時スピードテスト外の通信に速度規制を確認 | スマホ辞典   楽天モバイルの印象としては、「端末は安く買えるけど回線はクソ」「楽天イズム満載」という感じでした。   楽天モバイル契約ページのミスリード ミスリードとは ミスリードとは推理小説なんかで良く使われる技法で、「こういうことだな」と読者に間違った解釈をさせるように仕向けることを言います。   楽天モバイルのミスリード 僕が騙されそうになったのは、契約時のオプションを決める場面です。   以下の画像をご覧ください。 端末補償をつけるかどうかのオプションです。   画像の「端末購入時だけ!」という文字が目に留まります。   「500円/月」って隣に書いてるから毎月の回線代+500円かと思いましたが、 もしかして最初の月に500円払ったらいいだけなのか?? それなら超お得。   待て、これは楽天が運営する楽天モバイルだ。 そんなうまい話があるわけがない!   これは最初の月に500円払ったらいいだけと高齢者に錯覚させるための、紛らわしい楽天の戦略だ、ミスリードだ、そうに違いない。   そう思ってオプションの説明を確認しました。   正解は「毎月500円上乗せ、オプション加入が申し込み時のみ」でした。 49hack やはりな!   ならば「端末購入時だけ!」という文言を500円の隣にわざわざ配置する必要があるんでしょうか。このレイアウトでは誤解する人が大勢出てしまいます。高齢者ホイホイですね。     絶対これわざとだ。ひどい。   楽天の過去の悪行 ユーザーに誤解させることを楽天は過去に何度も行っています。   「あんたが作ったんだぜ、俺のこと」   かもめんたるのゴキブリのコントに出てくる男の言葉のように、 楽天=胡散臭い、楽天=何か裏がある、など身構えるようになってしまったのは楽天がユーザーをそう育てたからです。   楽天のメルマガでもミスリード(現在は修正済) 楽天はユーザーを騙す表記はお手の物です。 僕は楽天のメルマガ(2016年)でまんまと罠に引っかかった経験があります。ミスリードというか完全な不当表示でしたがw 楽天に期待したのが馬鹿でした。500円オフと表示してクリック誘導、その詳細を見ても500円オフと錯覚させるようなバナーを表示させて、そこからクリックして詳細を見たら「初めてなら」という条件を出す。 楽天のメルマガがプラチナ会員に喧嘩を売ってる件 この記事を楽天の社員が見たのか、その後は広告が僕の要求通りに訂正されていました。   楽天の二重価格表示問題 楽天は2014年の楽天イーグルス優勝セールの時に、高くない商品の元値をあげて、さも安くなったように誤解させたこともあります。 「楽天市場」では、昨年行った楽天日本一セールなどで、通常価格で販売しているにも関わらず、通常価格の表示を2倍以上に釣り上げるなどで半額以下のセールと見せかける不当な二重価格表示が指摘され問題になった 楽天、二重価格表示問題で謝罪会見~従業員18人が店舗に不当価格表示を提案 -INTERNET Watch Watch ここまで徹底されていると、「ユーザーを欺いて利益を得る」という企業体質が明らかですよね。   まとめ 楽天モバイルは利用者率1位、端末が安く買える、回線はクソ 楽天モバイルの契約ページは誤解を招く表記があるので要注意 ユーザーを欺いてきた楽天の歴史あり(優勝セール、メルマガ、スピードアプリ)   ]]> /rakutenmobile-misslead/feed/ 0 大型スマホの名機mate9のメリット・デメリット /mate9-meritto-demeritto/ /mate9-meritto-demeritto/#respond Tue, 13 Dec 2016 15:43:21 +0000 /?p=3220 Asendmate7を愛用している@49hackJpです。 大型スマホの名機mate9がついに日本で予約開始!逆日本価格で歓喜の雄叫び。 Huaweiの大型スマホブランド「Mate」その最新作Mate9の日本発売が正式にアナウンスされました!予想されていた金額より安くてビビっております。 参考HUAWEI Mate 9 | HUAWEI Smartphone 12月16日発売予定。   Mate9の主なスペック 約5.9型フルHD(1080×1920)IPS LCD 4000mAh 幅 78.9mm ✕ 高さ 156.9mm ✕ 奥行き 7.9mm 約190g ライカカメラ第2世代(1200万画素RGB+2000万画素モノクロ、光学手ぶれ補正、サブ800万画素) Kirin 960 2.4GHz+1.8GHz (オクタコアCPU) RAM:4GB ROM:64GB 外部メモリ microSDXC(最大256GB) DSDS対応(3G4G対応、1つは外部メモリと兼用) IEEE802.11 a/b/g/n/ac usb type-c Bluetooth Version 4.2 Mate9の最安値情報 Mate9はどこで買える? Mate9は12月16日以降に販売が開始され、ジョーシン、ヨドバシカメラ、ビックカメラ、エディオンなどの主要家電量販店で買えます。さらに格安SIM運用のMVNO各社、イートレンド、カメラのキタムラ、Ntt-XなどのEコマースでも購入できます。 販路が豊富なので、買いたいのに買えないという状況にはならないと思います。これだけ購入先があるということは台数も相当ストックがあると思うので、人気で価格が高騰するなんてこともないと思います。   予約価格が安いのは? 販売店によって多少値段は前後していて、6万円以下で購入出来るところがちらほらあります。イートレンドの予約価格58290円が確認できた最安値です。   20161213現在のmate9の予約価格 (12月14日追記)各サイトで予約数完売の為売り切れが続出しています。予約を逃した方は16日の販売キャンペーンを期待して待ちましょう。 Amazon 65664円 予約保証が付く ビッグカメラ 65653円 ポイント6565ポイント付くので実質59998円 ヨドバシカメラ 65660円 ポイント6566ポイント付くので実質59094円 NTT-Xストア 59094円 カメラのキタムラ 59090円 Tポイント273円なので実質58817円 イートレンド 58290円(限定特価。通常59089円)   予約価格より安く買えるMVNOのキャンペーン Mate9を最安値で買うにはMVNOとの抱き合わせで購入するのが一番安く買えます。楽天モバイル、DMMモバイル、イオンモバイル、エキサイトモバイルでの販売が予定されているので、もうちょっと待つのがオススメです。動作テストも予約した人がしてくれるので評価も出揃います。   【20161214追記】mate9の楽天モバイルでの取り扱いが12月16日より始まります! 「HUAWEI Mate 9」と「MediaPad M3」の「楽天モバイル」のSIMカードとのセット販売は12月16日から開始 楽天株式会社:  楽天モバイル、HUAWEI製「HUAWEI Mate 9」と「MediaPad M3」、ASUS製「ZenFone 3 Max」を取扱開始 | ニュース オンライン限定キャンペーン 通話SIMとセットで10,000円引きの50,800円(税別) データSIMとセットで5,000円引きの55,800円(税別) 楽天モバイルは端末が半額以下で買えるキャンペーンを多く打ち出すので、今回のオンライン限定キャンペーンを見送っても、新入生・新社会人歓迎的な大きなキャンペーンがおそらく3月頃に打ち出されるので、その頃がmate9を買うタイミングとしてはベストかなと思います。 注意点としてはsimフリー端末は待ち過ぎると生産が終了して買えなくなるので、時機を逃さないこと。ほどほどに安くなる時が買い替えどき!   Mate9のメリット 逆日本価格! Mate9の参考価格は699ユーロ。日本円に単純換算すると85244円(20161213現在)。 699ユーロ(EUR)は日本円でいくら? | 便利な外国為替レート計算機   なので、日本での販売価格は8万円位になるだろうと予想されてました。 が、日本では60800円(税込み65653円)で販売されることが決定。今までの販売発表国の中で最安値です!!mat9が一番安く買えるのが日本という今のご時世ではありえない事態。 49hack まじか!! 正気か! ここ日本だよね、中国じゃないよね AppleとかASUSなどは日本発売の端末値段を高くするため「まーた日本価格か」など失望すすることしかなかったんですが、Huaweiは日本発売の端末は安くするという「逆日本価格」でびっくりました。 Appleは電子マネーに対応するなど機能で日本に媚びたのに対し、Huaweiは価格で日本に媚びてきました。ありがたいことです。   画面でかくて電池長持ち(薄くて軽い) 僕が求めていたのは単純に「画面が大きくてバッテリーが多いスマホ」   節電性の進化 4000mAhというのは少し心もとない気もしますが、節電性が進化しているようです。 HUAWEI Mate 9 | 強大なスタミナ   あえてのフルHD Mate9の画面はフルHD(1920×1080)です。 フルHDの1つ上にはWQHD(2560×1440)がありますが、画面をグレードアップしてしまうと電池の持ちが悪くなってしまうので、Mate9はあえてフルHD。 それ正解!mate9は大画面大容量シリーズですもんね。本田圭佑もびっくりの「あえて」が僕には聞こえますよHuaweiさん。   ダブルレンズのライカカメラで手ぶれに強い。 ブロガー、友人関係が充実している学生・主婦、子育て中の人などスマホのカメラを利用する機会が多い人はスマホのカメラ性能は大事です。 スマホのカメラなんて撮れればなんでもいいと思っていた時期が僕もありました。ブログを始めたら、ラーメン屋でパチャリ、靴が届いてパチャリ、イベントに参加してパチャリ、シフト表をクラウドで保存するためにパチャリと想像以上にカメラ撮影をする頻度が多く、「カメラって大事だなぁ」と実感しています。 今使っているmate7には手ぶれ補正がないのでブレまくりますw僕の人生みたいですね その点mate9は光学手ぶれ補正搭載で、P9で好評だったライカカメラの第2世代ということで、カメラ性能だけで言えばスマホ界No.1   DSDS(デュアルシム・デュアルスタンバイ)対応 デュアルSIMはSIMを2枚挿せることを、デュアルスタンバイはその2枚のSIMの両方で同時に待ち受けができることを意味します。 デュアルSIMデュアルスタンバイ(同時待ち受け)SIMフリースマホ比較【DSDS】   2枚のシムカードを挿して使うことができるので、データ通信用、音声通話用など用途に合わせて切り替えて使うことができます。 ただし、外部メモリを仕様する場合はDSDSが使えなくなります。DSDS運用をしたいなら外部メモリは挿さずに本体の64GBでやりくりをしないといけません。   Mate9のデメリット usb type-c 従来のUSBが使えなくなるは不便ですが、ノートパソコンと違って今までの拡張性が失われるわけではないので、それほど困るとは思いません。   フルHD スペックのバランスを見たときに一番弱いのが画面です。電池長持ちのためにはフルHDの方が僕はありがたいですが、そこまで電池持ちにこだわっていない人の場合は画面のスペックにはやや物足りないかもしれません。   グラフィック性能が低い? 上:Huawei Mate9 下:Galaxy S7 edge これが本当なら、Mate9では重いゲームはできなさそうです。 ちなみに3DMarkのベンチマークはMate9 が2175、S7 edgeが2368。数字以上に差がありますね。もしかしてベンチマークチート使って性能偽ってないよね?Huaweiさん・・・   Huaweiの機種で電池消費が異常に早いバグ発生中 バッテリー異常消費は先日リリースされたファームウェア・アップデートが原因という指摘もありますが、はっきりとしたことは不明。 Huawei P9やhonor 8でバッテリー消費が異常に早い原因はキャリアアグリゲーション(CA)かも | スマホ評価・不具合ニュース 対処療法としてキャリアアグリゲーションの機能をオフにすると治るようです。ここら辺はHuaweinの技術力で修正バージョンをアップデートしてほしいところ。 Mate9でもバッテリー問題が未解決の可能性があります。   Mate9商品発表会 おまけMate9発表会に歓喜した人。 Mate9の発表は2016年11月3日 「爆発はしません」発表会 サムスンのスマホ爆発が相次いでいた時期だったのでHuaweiのCEOが「爆発はしません」と言ったのが印象的。 中国の華為技術(ファーウェイ、Huawei)は3日、ドイツ・ミュンヘン(Munich)で、同社の最新スマートフォン「Huawei Mate 9」を発表した。 ファーウェイが新型スマホ発表 :AFPBB News   第1次販売国に日本が入る mate9の第一次販売国に日本が入りました。mate7の後継機mate8が日本では発売されなかったのでmate9の日本発売は大きな意味があります。 それは、Asendmate7難民の救済。 画面がバキバキに割れようと、バッテリーの持ちが悪くなろうと、大型スマホで優れたものがなかったため買い換えることができないAsendmate7難民。僕もその一人です。   ダークサイドに堕ちてフリーテルの雷神がいいんじゃないかと思った時期もありました。 参考freetelの雷神はAscend Mate7難民の救世主となる?スペック比較してみた いっそiphone+にしようかと思ったり。   49hack もう迷わなくてすむ!そうmate9ならね。     販売情報やデメリット、不具合報告はこの記事に追記して更新していきます。 ヨドバシカメラ梅田店でMate9のキャンペーン(12月21日追記) Mate9購入でスマホ用デジタルギフトボックスがもらえる 12月20日(火)にヨドバシカメラ梅田店の地下1階入り口でMate9のキャンペーンをやっていました。値段は定価でポイント10倍といういつもの価格でしたが、今ヨドバシカメラでMate9を買うとスマホリングとUSB-typeCケーブルと自撮り棒のセットが無料で付いてきます。   価格はほぼ定価の65660円に10%ポイント還元   デモ機を触るだけでプレゼントがもらえる また、ブースのすぐ奥にデモ機が複数台あり、少しでもMate9を触るとプレゼントとしてHuawei特製マグネットかHuawei特製スマホリングスタンドをもらえました。 プレゼントのスマホリングスタンドとパンフレットをゲット!   リングスタンドは粘着で止める仕様なので外れてしまわないか不安・・・。 一度付けてしまうとスマホカバーなどは付けられなくなるので使わないかな・・・・。   Mate9買いました! 参考 Mate9を実質価格4万円弱で購入!恐るべし楽天キャンペーン ]]> /mate9-meritto-demeritto/feed/ 0 freetelの雷神はAscend Mate7難民の救世主となる?スペック比較してみた /raijin-freetel-asendmate7/ /raijin-freetel-asendmate7/#comments Sun, 09 Oct 2016 08:20:34 +0000 /?p=2493 所持していたAscend Mate7の画面をバッキバキに2回割ってしまいました(左隅、左上部)。画面だけでなく本体も傷ついているので携帯を買い換えたいんですが、Mate7の販売は既に終了していて買えず、Mate8は日本で未発売、画面が大きくてバッテリー容量が大きい端末がなかなか発売されなかったので、僕は「Ascend Mate7難民」となっていました。 FREETELが2016年10月に発表した雷神という端末が良さそうだったので、Ascend Mate7とスペックを比較し、買うべきかどうかを判断します。雷神の欠点についても紹介。 Ascend Mate7とは HUAWEI(ファーウェイ)というスマホ端末世界シェア第3位の中華企業が2014年に発売したSIMフリースマホ。2015年には端末価格が下落し3万円で買えるようになり、コスパ最高のアンドロイド端末として人気が急騰、価格.comで一時満足度ランキングTOPに立ちました。販売が中止された現在の総レーティングは4.47(133人)。ちなみにスマホ端末世界シェア1位はサムスン、2位はアップル。 画面が6インチと大きいこととバッテリーが4100 mAhというのが最大の特長、「でかくて長持ち」。弱点はカメラに手ブレ補正がないことと外部メモリーの認識が日本販売のものは32Gまでと少ないこと。 参考Huawei – Ascend Mate7 – 携帯電話 – 機能 雷神とは プラスワン・マーケティングは「FREETEL」のSIMフリースマートフォンとして「RAIJIN 雷神」を2016年10月に発表しました、発売は12月予定。予定販売価格は2万9800円(税別) 2016年11月22日追記:雷神 RAIJINは1月27日発売決定!予約は12月26日から受付開始


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Comments on: Tutorial: “Boutique Bones” Removable Dog Bed Cover quilting, patterns & tutorials Mon, 17 May 2021 18:27:35 +0000 hourly 1 By: Jill Davies comment-page-1/#comment-668334 Sun, 18 Apr 2021 11:21:22 +0000 Thank you for such a lovely pattern. Bojangles is so cute. I would love to make this now but unfortunately I will have to keep it for future reference as our puppy is 9 months old and last month she ate through an “indestructible” dog bed. Hopefully she won’t always be so destructive. ]]> By: Dida comment-page-1/#comment-668264 Sat, 17 Apr 2021 19:03:37 +0000 I have a dog like that. Trashes everything that is stuffed. You could make one without stuffing so it’s just like what the towels are used for. He can just lie on it or cover himself with it. ]]> By: Beth comment-page-1/#comment-659017 Thu, 18 Feb 2021 23:50:01 +0000 I have been looking for a perfect quilt square for making a memory quilt with all of the bandanas from our grooming trips over the years. I think this will be perfect. ]]> By: twitter.com comment-page-1/#comment-171767 Wed, 13 May 2015 06:23:58 +0000 Yet, there are grants that are made for equipment and training. As with everything else, it is only the mindset of the entrepreneur that dictates the success and failure of a company. What you give away doesn’t have to be costly, but it must be valuable. ]]> By: Puppy Power! comment-page-1/#comment-103477 Mon, 29 Sep 2014 17:18:02 +0000 […] dog she adopted a few weeks ago. A "Bones" quilt using the tutorial I found over at 627 Handworks. The pattern is for a dog bed cover, but I just made the top and converted it into a quilt. it's […] ]]> By: We Heart It, It’s Free | AllPeopleQuilt.com Staff Blog comment-page-1/#comment-83390 Fri, 30 May 2014 14:38:27 +0000 […] Click here to get the free pattern. […] ]]> By: easy car insurance calculator comment-page-1/#comment-63004 Thu, 20 Feb 2014 21:37:06 +0000 I think the admin of this website is genuinely working hard in favor of his site, for the reason that here every information is quality based stuff. ]]> By: www.care2.com comment-page-1/#comment-59952 Tue, 11 Feb 2014 09:09:39 +0000 This is the reason that, first things first, you need professional indemnbity insurance bookkeepers to be insured and covered by the insurer. The Volcanic eruption is one of the things that we keep on trying to tell our teens and they’re going to ask you to do is search it on the internet and compare between providers. ]]>


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SigFig Calculator Your tool for perfect scientific accuracy Mon, 21 Sep 2026 08:40:15 +0000 en-US hourly 1 wp-content/uploads/2025/05/sig-fig-calculator-favicon-100x100.png SigFig Calculator 32 32 The Internet Is Full of Tiny Tools. Here’s Why That’s a Good Thing the-internet-is-full-of-tiny-tools/ the-internet-is-full-of-tiny-tools/#respond Sun, 06 Sep 2026 06:46:41 +0000 ?p=5831 Once upon a time, the internet was a well of knowledge and information nobody asked for. It was also fun. Weird. Cool. Made up of websites that had no reason to exist. And yet, they did. Remember the “Make Everything OK” digital button that started as an online joke? Click the button and all your […] The post The Internet Is Full of Tiny Tools. Here’s Why That’s a Good Thing appeared first on SigFig Calculator. ]]> Once upon a time, the internet was a well of knowledge and information nobody asked for. It was also fun. Weird. Cool. Made up of websites that had no reason to exist. And yet, they did. Remember the “Make Everything OK” digital button that started as an online joke? Click the button and all your life problems are solved. Yes, it was a gimmick, but one that worked. Online threads described it as a “digital placebo” that utilized a simple web page. You could listen to a live radio station from anywhere in the world and edit photos without opening a single app. While most of them have disappeared into oblivion, the internet remains full of single-purpose web utilities. They solve one specific problem without ads or bloatware. Below, we’ll discuss why tiny tools remain a good thing. The Future of Web Application Development A 2024 paper titled Web Evolution to Revolution: Navigating the Future of Web Application Development examined web application development. Starting with the nascent stages of static web pages, the research traced the evolution of desktop applications in functionality and complexity. It explored the technologies and new approaches that changed how websites and web applications are built. Key developments such as Progressive Web Apps (PWAs), serverless architecture, and Artificial Intelligence (AI) have made web development faster and more capable. Overall, the paper reviewed how web development has evolved, where it stands today, where it may be headed. And what these changes could mean for developers, businesses, and users. The prognosis is that despite how much technology has advanced, there’s still room for the humble tiny web tool. Monetizing Micro-Tools Also called micro-tools, they are favored for their ability to solve one specific problem. Small, single-purpose software is easily monetized when charging users via subscriptions, tokens, or one-time fees. Real-World Micro-Tool Monetization Strategy With the SaaS sector embracing micro products, it’s become easier for companies to scale within weeks. From analytic dashboards to meeting transcription tools, many of these features are web-based. But the success hinges on the integrated platforms they are paired with. For instance, a SaaS payment gateway must align with a micro-tool monetization strategy. PayPro Global advises implementing a platform that handles global taxes and compliance and structures micro-tool pricing, such as localized currencies. Creators’ Corner The world of tiny tools is alive and well in your web browser. The incredible part is that creators are sharing their tiny, weird, and wonderful creations. Vibe Coding with TinyToolTown A fitting name for this website, TinyToolTown is an online hub where creators post their inventions. PCWorld describes it as “a collection of small, lightweight web tools that are designed to do one task and do it well”.  Not a single app in sight. All you do is load your chosen lightweight tool and use it immediately. All the software is open source and free to use. The collection is as eclectic as it gets. Think automatic posture correctors and voice-activated AI agents. Radio Garden A popular digital platform and streaming service, Radio Garden allows users to listen to live radio stations from around the world through an interactive 3D globe. The green dots mark cities and towns. Clicking on one lets you tune into a local station broadcasting from that location. Archive.Org Officially the Internet Archive, archive.org is the computerized version of a time capsule. Type in a web address to see what the original site looked like. Founded in 1996, the nonprofit digital library aims to provide everyone with free access to knowledge. Archive.org preserves a vast collection of web pages, books, films, music, software, and other digital content. “Of all our national assets, archives are the most precious; they are the gift of one generation to another.” – Archivist and historian Arthur G. Doughty. FAQs What are micro-tools? Micro-tools are small, usually web-based applications designed to solve one specific problem. Examples include online calculators, file converters, text cleaners, and image-editing utilities. Why are single-purpose online tools useful? Single-purpose tools can save time and reduce the complexity that comes with larger software platforms. Can developers make money from small web tools? Yes. Micro-tools can be monetized through one-time purchases, subscriptions, usage-based pricing, or premium features. As the SaaS market continues to grow, highly specialized software can find a paying audience. How can developers sell micro-tools internationally? Developers selling digital products internationally need to consider payment processing, merchant of record, taxes, and compliance across different markets. Payment platforms can help businesses manage these aspects. Stats: The Internet and the Rise of Tiny Digital Tools Stat Figure Source People using the internet worldwide in 2025 6 billion ITU Enterprise SaaS revenue in 2024 $218.5 billion Gartner PaaS spending in 2024 $165.4 billion Gartner People still offline in 2025 2.2 billion ITU Tiny Tools for the Win Single-purpose web tools are the OGs of the internet. They save time. Avoid bloat. Solve specific problems without requiring software installation or paid subscriptions. Everyday examples of these are format converters, online calculators, and text cleaners. You probably didn’t know this before reading this article. The internet is a playground for tiny tool enthusiasts. Yes, nostalgia is part of the attraction. But sometimes people just want one tool to solve one problem. That’s all it is. Nothing more. Nothing less. The post The Internet Is Full of Tiny Tools. Here’s Why That’s a Good Thing appeared first on SigFig Calculator. ]]> the-internet-is-full-of-tiny-tools/feed/ 0 How Niche Websites Can Grow Organic Traffic Without a Massive Budget how-niche-websites-can-grow-organic-traffic-without-a-massive-budget/ how-niche-websites-can-grow-organic-traffic-without-a-massive-budget/#respond Wed, 19 Aug 2026 00:00:50 +0000 ?p=5783 Running a niche website — whether it’s a specialized calculator, a reference tool, or a resource hub for a specific audience — comes with a unique set of challenges. You’re not competing head-to-head with massive media companies for broad keywords, but you still need consistent organic traffic to keep your site useful and sustainable. The […] The post How Niche Websites Can Grow Organic Traffic Without a Massive Budget appeared first on SigFig Calculator. ]]> Running a niche website — whether it’s a specialized calculator, a reference tool, or a resource hub for a specific audience — comes with a unique set of challenges. You’re not competing head-to-head with massive media companies for broad keywords, but you still need consistent organic traffic to keep your site useful and sustainable. The good news is that niche sites often have real advantages when it comes to search visibility, if you know where to focus your energy. Niche Sites Have an Underrated Advantage Large, general-interest websites have to spread their authority across thousands of topics. A niche site, by contrast, can build deep, focused authority around a narrow set of subjects. Search engines tend to reward this kind of topical depth, especially for tools and resources that solve a specific problem well. If your site does one thing — like performing a calculation, converting a unit, or answering a specific technical question — and does it better than anyone else, you already have a foundation that’s hard for bigger, more generalized competitors to replicate. The challenge is making sure people actually find that resource in the first place. That’s where a deliberate, well-rounded SEO approach becomes essential. Content Quality Still Comes First Before thinking about anything else, it’s worth double-checking that your core pages actually deliver what searchers are looking for. For a tool-based site, this means fast load times, clear instructions, accurate results, and enough surrounding context to answer common follow-up questions. Someone searching for a specific calculation often has a related question in mind too — what the number means, how it’s used, or why it matters. Answering that alongside the tool itself keeps visitors on the page longer and signals relevance to search engines. Adding supporting content, such as short explainer sections, FAQs, or examples, can also help a niche page rank for a wider range of related search terms without diluting its focus. Technical Foundations Matter More Than People Expect Niche and tool-based websites frequently run into avoidable technical issues: slow-loading scripts, poor mobile formatting, or pages that aren’t properly indexed. These problems can quietly cap your traffic no matter how good your content is. Running periodic audits — checking site speed, mobile usability, broken links, and indexing status — helps make sure the technical groundwork supports the content rather than working against it. Off-Page Signals: Where Many Niche Sites Fall Behind Here’s where a lot of independent site owners hit a wall. Great content and clean technical performance matter, but search engines also weigh how the rest of the internet talks about your site. Earning links from other reputable websites remains one of the strongest signals of trust and authority, and it’s an area where niche sites often underinvest simply because it’s time-consuming and unfamiliar territory. This is exactly why many site owners turn to professional link building services rather than trying to handle outreach entirely on their own. A structured approach to earning backlinks — through guest posts, resource page placements, and outreach to relevant publications — can accomplish in months what might otherwise take years of scattered, inconsistent effort. For a niche site with limited time and resources, outsourcing this piece often produces a better return than trying to do everything in-house. Building a Sustainable Growth Strategy The most successful niche websites tend to treat SEO as an ongoing discipline rather than a one-time project. A few practices make a meaningful difference over time: Track what’s actually working. Regularly reviewing which pages bring in traffic — and which keywords they rank for — helps you double down on what’s succeeding instead of guessing. Keep expanding thoughtfully. Adding new tools, guides, or resources that are closely related to your core offering helps build topical authority without spreading your site too thin. Stay consistent with outreach. Whether you handle link building internally or work with a specialized service, consistency matters more than intensity. A steady stream of quality backlinks over time outperforms a short burst of activity followed by months of inactivity. Monitor your competitors. Keeping an eye on what similar sites are doing — the content they’re publishing, the links they’re earning — can surface opportunities you might otherwise miss. The Payoff of Getting the Fundamentals Right Niche websites don’t need enormous marketing budgets to compete effectively; they need a clear strategy that plays to their strengths. Strong, focused content paired with solid technical performance gets you part of the way there, but off-page authority is what often separates sites that plateau from sites that keep climbing. Investing the time — or the right partner — into building genuine, relevant backlinks can be the difference between a tool that quietly exists and one that becomes the go-to resource in its category. For site owners willing to treat growth as a long-term investment rather than a quick fix, the payoff is a website that keeps earning traffic long after the initial work is done. The post How Niche Websites Can Grow Organic Traffic Without a Massive Budget appeared first on SigFig Calculator. ]]> how-niche-websites-can-grow-organic-traffic-without-a-massive-budget/feed/ 0 Why Rounding Errors Happen: The Math Foundations Students Miss why-rounding-errors-happen/ why-rounding-errors-happen/#respond Tue, 18 Aug 2026 10:12:09 +0000 ?p=5786 Rounding errors occur when a number is rounded incorrectly or when rounding is performed at the wrong stage of a calculation. For example, when rounding 4.67 to the nearest tenth, look at the hundredths digit, 7. Because it is 5 or greater, increase the tenths digit from 6 to 7, giving 4.7. Errors often occur […] The post Why Rounding Errors Happen: The Math Foundations Students Miss appeared first on SigFig Calculator. ]]> Rounding errors occur when a number is rounded incorrectly or when rounding is performed at the wrong stage of a calculation. For example, when rounding 4.67 to the nearest tenth, look at the hundredths digit, 7. Because it is 5 or greater, increase the tenths digit from 6 to 7, giving 4.7. Errors often occur when students are unsure of which digit to use. Rounding in math also requires students to know when they should round. Students who need help with rounding, place value, or multi-step calculations can work with Brighterly math tutors to practice these skills. What Is Rounding in Math? Rounding in math means changing a number to a simpler value that is close to the original. The answer keeps the level of accuracy required by the problem. For example: 73 rounded to the nearest tenth is 6.7 78 rounded to the nearest tenth is 6.8 846 rounded to two decimal places is 3.85 Look at the digit right after the place you need to round. If it is 5, 6, 7, 8, or 9, add 1 to the digit you are rounding. If it is 0, 1, 2, 3, or 4, just leave the digit being rounded unchanged. Nearest tenth, two decimal places, and three significant figures each tell you to round the number in a different way. The Missing Foundation: Place Value and Significant Figures Many rounding mistakes start with place value. A student may know the rounding rule but look at the wrong digit. How weak place-value understanding leads to rounding the wrong digit Take the number 8,462.37. Each digit has a different place: 8 is in the thousands place 4 is in the hundreds place 6 is in the tens place 2 is in the ones place 3 is in the tenths place 7 is in the hundredths place If the question asks you to round 8,462.37 to the nearest tenth, start with the 3. Then look at the 7 next to it. Students may analyze a number incorrectly or forget to which number it is rounded. Therefore, they first need to identify the place value they are rounding to and then examine the digit immediately to its right. Significant figures as the “rulebook” for rounding in science and engineering Scientists and engineers use significant figures when they report measurements and calculation results. For example, if a lab measurement is 12.46 cm and the result must have three significant figures, it should be reported as 12.5 cm. The same rules are used to calculate the results. If an engineer calculates a length of 4.786 m and needs three significant figures, the result becomes 4.79 m. The final number should show only as much detail as the question or measurement requires. For more examples of how to apply these rules, see this step-by-step guide to rounding numbers using significant figures. Where Rounding Errors Show Up in Real Work Rounding errors can change the final result when a calculation has several steps. The problem starts when a student rounds a number and then uses that shorter number in the next calculation. For example: 18.736 × 2.45 = 45.9032 If a student rounds 18.736 to 18.7 first, the calculation becomes: 18.7 × 2.45 = 45.815 The answers differ because the second calculation uses a rounded value. Incorrect rounding can be a problem in financial calculations. If a student calculates a monthly payment of $248.67 and rounds it to $249 before continuing, the next calculation will use $249 instead of $248.67. If the student then multiplies the payment by 12, they will get $2,988 instead of $2,984.04. The difference comes from rounding the monthly payment before the calculation was finished. It can also happen with measurements. If a student measures a length of 12.46 cm and rounds it to 12.5 cm before using it in the next calculation, the next step will use 12.5 cm instead of 12.46 cm. If the calculation involves several more steps, each step will use the rounded value, which can change the final answer. For example, if the student needs to multiply 12.46 × 3, the result is 37.38 cm. If they use the rounded value 12.5 × 3, the result becomes 37.5 cm. The difference comes from rounding the measurement before finishing the calculation. Rounding Errors in Digital Systems Rounding is not only something we encounter in school, but also in everyday life. Understanding what rounding is in math is also important when working with calculators, spreadsheets, and software that work with tenths, hundredths, and thousandths. A calculator or spreadsheet may display fewer digits than the stored value. For example, a spreadsheet might store 2.666666 but display 2.67. In Excel calculations, the number shown in a cell is not always the exact value used in subsequent calculations. This is also important when copying a number (obtained from calculating the result) and transferring it to another calculation. It is possible to copy a rounding error without realizing it. The same problem can occur with automated grading. The evaluation script needs clear rules regarding decimal places, significant figures, and the allowable difference between two numerical answers. Floating-point and display-rounding quirks in calculators, spreadsheets, and grading scripts Computers store numbers using a limited number of digits. Some decimal numbers cannot be represented exactly, so the stored value may differ slightly from the number shown to the user. Display settings can create another problem. A spreadsheet might show 1.23, while the formula uses 1.234567. If the user starts another calculation with the displayed value 1.23, the result may differ from that of a calculation using the stored value. Automated grading systems face a similar problem. If one system expects 4.79 and another expects 4.790, both may represent the same value, but the system needs a clear rule to know whether both answers should be accepted. This is why software needs well-defined rules for precision rather than simply comparing numbers as text. Why “the computer said so” isn’t the same as mathematically correct A calculator can perform the calculation, but it does not know what the question requires. For example, a calculator gives 7.8462. If the question asks for three significant figures, the answer is 7.85. If it asks for the exact value, rounding the answer to 7.85 would be wrong. The student still has to read the instructions and decide how the answer should be reported. The same idea applies to spreadsheets and grading scripts. A computer can follow a formula correctly and still produce a result that does not match the required format if the precision rule is not defined. Building Rounding Skills the Right Way To improve rounding skills, it is important to analyze where the problem is occurring. Start with numbers, then move on to decimals, hundredths, thousandths, and multi-step calculations. A student who cannot identify the hundredths place needs practice with numbers. A student who knows what tenths, hundredths, and thousandths are but has problems with rounding needs practice with rounding. When practicing multi-step calculations, keep the full unrounded value until the final step. If the calculator gives 248.67, do not replace it with 249 before using it again unless the problem specifically says to round to that value. After rounding, have your child check themselves by asking: Did I round to the number specified in the problem? Did I use the correct number of decimal places or significant figures? Did I round before the last step when the problem did not ask me to? To check the final answer, parents can use a sig-fig calculator. If the device gives a different answer, it is worth going back to the calculations and finding where the error occurred. Simple exercises to test place-value and sig-fig understanding Give students one number and ask several questions about it. Use 6,482.735 and ask: Round it to the nearest ten Round it to the nearest hundred Round it to two decimal places Round it to three significant figures Identify the digit used to decide each answer For 6,482.735: Nearest ten → 6,480 Nearest hundred → 6,500 Two decimal places → 6,482.74 Three significant figures → 48 × 10³. This exercise shows whether the student can identify the correct place before applying the rounding rule. Next, use a multi-step calculation: 15.72 × 3.48 = 54.7056 Ask the student to give the final answer to two decimal places. The student should use 54.71. Then ask what happens if 15.72 is rounded to 15.7 before the multiplication. This lets the student see how an early rounding decision can change the final result. How structured, one-on-one math support helps close these specific gaps early Because the problem begins with a different math skill, some students need help with rounding. They might round a multi-step problem too soon or mix up place value, decimal places, and significant figures. For example: A student choosing the wrong digit needs place-value practice A student confusing decimal places and significant figures needs side-by-side examples A student rounding after every step needs practice with full calculator values A student ignoring the rounding instruction needs practice reading the question before calculating Math tutors for rounding can work on these specific mistakes instead of giving the student more general math exercises. One-on-one support can also help parents see whether the problem is limited to rounding or connected to a wider difficulty with decimals and number sense. For students who need this type of focused practice, Brighterly math tutors can work with them on the specific math skills behind the errors. Conclusion Rounding may seem like a small step, but it can change the result of the entire calculation, and that result may be incorrect. It is important to study the conditions of the problem in detail to understand to which tenths, hundredths, or thousandths you should round. Just like in life, rounding is important in calculations, measurements, financial planning, and everyday situations involving numbers. The post Why Rounding Errors Happen: The Math Foundations Students Miss appeared first on SigFig Calculator. ]]> why-rounding-errors-happen/feed/ 0 Stop Using Spreadsheets for IT Asset Management: A Smarter Way to Track and Control Inventory stop-using-spreadsheets-for-it-asset-management/ stop-using-spreadsheets-for-it-asset-management/#respond Wed, 12 Aug 2026 00:00:25 +0000 ?p=5775 Spreadsheets have been a reliable tool for businesses for decades. They are familiar, flexible, and easy to start with, which is why many IT teams initially use them to keep track of laptops, monitors, phones, software licenses, and other equipment. The problem usually appears later, when the number of assets grows and more people need […] The post Stop Using Spreadsheets for IT Asset Management: A Smarter Way to Track and Control Inventory appeared first on SigFig Calculator. ]]> Spreadsheets have been a reliable tool for businesses for decades. They are familiar, flexible, and easy to start with, which is why many IT teams initially use them to keep track of laptops, monitors, phones, software licenses, and other equipment. The problem usually appears later, when the number of assets grows and more people need to access or update the information. At that point, a spreadsheet can become difficult to maintain. Records may be outdated, duplicate entries can appear, and important information may be buried across multiple files. For modern IT teams, having an accurate view of company equipment is no longer simply an administrative task. It can directly affect budgeting, security, employee onboarding, and day-to-day operations. Why Spreadsheets Become Difficult to Manage A spreadsheet may work perfectly well when a company has a small inventory. An IT manager might be able to keep track of a few dozen devices without much trouble. As the organization expands, however, manually maintaining those records becomes increasingly time-consuming. One common issue is data accuracy. When an employee receives a new laptop or returns an old device, someone needs to update the spreadsheet. If that update is delayed or forgotten, the information may no longer reflect reality. There is also the problem of multiple versions. Different team members may keep their own copies or make changes at different times. Eventually, it becomes difficult to determine which file contains the most reliable information. Spreadsheets also provide limited visibility into the history of an asset. Knowing that a laptop is assigned to someone is useful, but IT teams may also need to know when it was purchased, whether it is under warranty, when it was last checked, and what happened to it previously. The Hidden Cost of Manual Tracking The biggest disadvantage of spreadsheet-based tracking isn’t necessarily the spreadsheet itself. It is the amount of manual work required to keep it useful. IT employees may spend hours searching for equipment details, updating records, checking assignments, preparing inventory reports, or confirming whether a device has been returned. These small tasks can consume significant time over the course of a month. Manual processes can also lead to unnecessary purchases. If an organization doesn’t have an accurate view of available equipment, it may order new devices even though usable hardware is sitting in storage or has not been properly recorded. Better visibility can help organizations make more informed purchasing and replacement decisions. What a Modern Approach Looks Like Moving away from spreadsheets doesn’t mean making IT asset management complicated. In fact, the goal should be the opposite: foundational ITAM training can help teams create a simple process that makes information easier to access and maintain. A dedicated solution can bring asset records into a centralized environment. Instead of checking several spreadsheets, IT staff can use one system to view equipment, assignments, locations, and statuses. For teams looking for a practical way to organize this information, BlueTally can provide a more structured approach to tracking IT assets and inventory. The value of a dedicated platform is not simply having another tool; it is having a consistent place where important asset information can be maintained and accessed when needed. Make Asset Assignments Easier One of the most important parts of inventory control is knowing who is responsible for each device. When equipment is assigned to employees, the record should clearly show what was issued and when. This becomes particularly important for remote and hybrid teams, where equipment may be shipped directly to employees rather than handed over in an office. A clear assignment process also helps during employee offboarding. IT teams can quickly review the equipment associated with an employee and identify what needs to be returned. This creates greater accountability without requiring employees or IT staff to search through old emails or spreadsheets. Improve Onboarding and Offboarding Employee transitions are another area where a structured inventory process can make a noticeable difference. During onboarding, IT teams may need to prepare laptops, monitors, keyboards, mobile devices, and other equipment. Having reliable inventory information makes it easier to determine what is available and what needs to be purchased or prepared. Offboarding requires equal attention. Equipment should be recovered, inspected, and returned to the appropriate inventory status. Without an organized process, devices can easily become unaccounted for. A centralized system helps IT teams maintain a clearer record throughout the entire lifecycle of an asset. Support Better Security and Compliance Asset visibility also has an important connection with security. An organization cannot effectively manage devices it doesn’t know about. If a laptop disappears from the inventory or remains assigned to someone who no longer works for the company, the lack of accurate information can create unnecessary risk. Maintaining reliable records gives IT teams a clearer understanding of which devices exist, where they are located, and who has responsibility for them. This information can support broader security policies and make internal audits easier. The same principle applies to broader digital risk management, where platforms such as  help businesses identify suspicious activity and respond to potential fraud before it develops into a larger problem. It can also help organizations identify outdated equipment that may need to be replaced because it no longer meets security or performance requirements. Get More Value From Existing Equipment Good inventory management isn’t only about tracking what a company owns. It can also help organizations use those resources more effectively. For example, an IT team may discover that several laptops are sitting unused while another department is requesting new equipment. Instead of purchasing additional devices, the organization may be able to reassign existing ones. This kind of visibility can reduce unnecessary spending and extend the useful life of technology investments. Over time, accurate records can also help identify purchasing trends. IT leaders can see which types of equipment are frequently replaced, which devices last longer, and where future budgets may need to be allocated. Choose Simplicity Over Unnecessary Complexity When replacing spreadsheets, IT teams don’t necessarily need an overly complicated enterprise system. The right solution should make everyday work easier rather than introduce another layer of administrative burden. Look for a system that provides clear asset records, simple assignment management, useful reporting, and an easy way to keep information current. The goal is to create a process that employees can actually follow consistently. Technology should support the workflow, not become the workflow. Final Thoughts Spreadsheets still have their place, especially for small and temporary tasks. But when an organization depends on them as its primary system for managing a growing IT inventory, the limitations eventually become difficult to ignore. Manual updates, duplicate records, limited visibility, and time-consuming searches can make everyday IT operations harder than they need to be. A more structured approach gives teams better visibility into their equipment, improves accountability, supports smarter purchasing decisions, and makes employee transitions easier to manage. The shift doesn’t have to happen overnight. Start by identifying where your current spreadsheet process creates the most friction, then introduce a solution that addresses those specific challenges. With accurate information and a practical workflow, IT teams can spend less time maintaining inventory records and more time supporting the business. The post Stop Using Spreadsheets for IT Asset Management: A Smarter Way to Track and Control Inventory appeared first on SigFig Calculator. ]]> stop-using-spreadsheets-for-it-asset-management/feed/ 0 How Technology Is Making Student Spaces Safer how-technology-is-making-student-spaces-safer/ how-technology-is-making-student-spaces-safer/#respond Tue, 11 Aug 2026 04:59:47 +0000 ?p=5770 Creating a safe and welcoming environment for students has always been a top priority for institutions, but the tools used to achieve this goal are changing quickly. Today, technology plays an increasingly important role in keeping modern campuses secure, transforming everything from front-desk check-ins to emergency response. According to Business Research Insights, the global school […] The post How Technology Is Making Student Spaces Safer appeared first on SigFig Calculator. ]]> Creating a safe and welcoming environment for students has always been a top priority for institutions, but the tools used to achieve this goal are changing quickly. Today, technology plays an increasingly important role in keeping modern campuses secure, transforming everything from front-desk check-ins to emergency response. According to Business Research Insights, the global school and campus security market is valued at about USD 5.09 billion in 2026. It is projected to reach USD 27.38 billion by 2035, growing at a compound annual growth rate (CAGR) of around 20.56%. This investment reflects schools’ growing use of technology to keep students safe without disrupting learning. In this article, we’ll explore key technologies that help schools mitigate risks, detect potential threats, and respond more effectively to safety concerns. Smarter Access Control at School Entrances Controlling who can enter a school is one of the most basic ways technology can improve safety. Traditional keys can make this difficult, especially in large schools with multiple buildings and entrances. As safety executive Sharon Hong points out, not knowing who can access each door can be a major security concern. Traditional keys are also easy to duplicate, making it harder for schools to track who has access. Even restricted or high-security keys can be costly, while losing a master key may require replacing multiple locks. Electronic access-control systems offer a more manageable alternative. Schools can use ID cards, smart cards, mobile credentials or other verification methods to limit access to authorized users. Visitor management systems can also record who enters the premises. Digital access records make it easier to review activity, while schools can assign different access levels to classrooms, offices, laboratories and other areas. Detection Technology Can Identify Potential Security Threats School entrances are an important part of any security strategy because they are where students, staff and visitors enter the building. Technology can help security personnel screen these entry points more efficiently while reducing the need to rely entirely on manual checks. Walk-through metal detectors are one example. According to GXC Inc., metal detectors are designed to detect metallic objects concealed on a person or within their belongings. These may include firearms, ammunition, knives and other weapon components, as well as smaller metallic threats such as razor blades and tools. More advanced systems can use multi-zone detection to identify where metal is detected on the body, helping security personnel identify potential concerns more quickly. Detection systems are designed to perform within specific technical parameters. Sensitivity, calibration, and environmental conditions can affect how systems perform, while false alarms may still occur. Trained staff is therefore essential for assessing alerts and responding appropriately. Cameras Improve Situational Awareness Security cameras can give schools a clearer view of what is happening across busy areas, making them useful for monitoring as well as reviewing incidents. According to a July 2025 EdWeek Research Center survey, the most common locations for school security cameras are outside buildings, in hallways and at entry points. Other high-traffic areas, including gymnasiums, auditoriums and cafeterias, are also commonly monitored. The survey found that 66% of respondents said cameras are used to monitor both students and employees, while 29% said they are used to monitor students. Modern systems may also offer motion detection and automated alerts, helping staff notice unusual activity more quickly. However, these alerts still require human interpretation and an appropriate response. Schools should also consider privacy, using cameras only for clear safety purposes and in line with relevant policies and regulations. Faster Emergency Communication Can Save Time Detecting a problem is only part of keeping students safe. Schools also need to communicate quickly once an incident occurs. Emergency communication technology can make this process faster and more coordinated. Schools may use public-address systems, text alerts, mobile notifications, emergency buttons, and other communication tools to notify staff and students. These systems can be especially useful when information needs to reach a large number of people simultaneously. For example, if an emergency requires students to remain inside their classrooms, administrators may need to communicate that instruction quickly throughout the school. In another situation, they may need to provide evacuation instructions or notify emergency responders. The goal is not simply to send more messages. Effective systems should deliver clear, relevant information to the right people at the right time. Combining automated alerts with established emergency procedures can help schools respond more efficiently when every second matters. Technology Should Support People, Not Replace Them Technology can provide schools with valuable safety tools, but it should not become a substitute for people, relationships, or good safety practices. American schools spend more than $4 billion each year on physical security measures such as surveillance cameras and weapons detection systems. However, evidence of their effectiveness is limited, and some research suggests excessive security measures can affect students’ sense of trust and belonging. The strongest safety strategies combine appropriate technology with trained staff, clear policies, emergency drills, and strong relationships between students and adults. Students should also understand what to do when an alarm or emergency notification occurs. Privacy matters too, particularly when schools collect and store information about students and staff. Ultimately, technology works best as one part of a broader safety strategy. Creating safer schools also means building environments where students feel connected, supported and secure, rather than relying on technology alone. FAQs Are security cameras effective in schools? Security cameras can improve situational awareness by allowing staff to monitor entrances, hallways and other shared spaces. They can also provide useful information during emergencies or investigations. However, cameras work best as part of a broader safety strategy that includes trained staff, clear policies and appropriate privacy safeguards. What are the benefits of access-control systems in schools? Electronic access-control systems can help schools restrict entry to authorized individuals, manage access to different areas, and maintain digital records of who enters the building. They can also reduce some of the challenges associated with traditional keys, such as duplication and difficulty tracking access. Are school safety technologies completely reliable? No technology is completely foolproof. Safety systems can experience technical problems, false alarms, environmental interference, or measurement limitations. Regular testing, calibration, maintenance, and trained human oversight are therefore essential for making these technologies effective. Key School Safety Statistics Global school and campus security market value in 2026 USD 5.09 billion Projected global school and campus security market value in 2035 USD 27.38 billion Projected CAGR of the school and campus security market, 2026–2035 20.56% U.S. schools spending annually on physical security measures More than USD 4 billion Schools using security cameras to monitor both students and employees 66% Schools using security cameras to monitor students 29% Survey respondents reporting no cameras in the relevant areas 4% Technology is giving schools new ways to create safer learning environments, from access-control systems and security cameras to screening tools and emergency communication systems. These technologies can help schools identify potential risks, monitor busy areas and respond more quickly when problems arise. However, technology works best when supported by trained staff, regular maintenance, clear policies and thoughtful implementation. Schools must also balance security with privacy and ensure safety measures do not make students feel overly monitored or restricted. The post How Technology Is Making Student Spaces Safer appeared first on SigFig Calculator. ]]> how-technology-is-making-student-spaces-safer/feed/ 0 Rounding Errors in the LMS: Why Scientific Grading Scripts Miscalculate Precision Lab Data rounding-errors-in-the-lms/ rounding-errors-in-the-lms/#respond Mon, 03 Aug 2026 11:10:14 +0000 ?p=5759 Rounding errors in scientific grading scripts can distort your lab data results, impacting final grades by up to 1.0 points or more. Inconsistent rounding conventions and floating-point arithmetic limitations contribute to these inaccuracies. Misinterpretations of precision can further misrepresent your performance, leading to misleading evaluations. Understanding the common pitfalls and the technology behind grading systems […] The post Rounding Errors in the LMS: Why Scientific Grading Scripts Miscalculate Precision Lab Data appeared first on SigFig Calculator. ]]> Rounding errors in scientific grading scripts can distort your lab data results, impacting final grades by up to 1.0 points or more. Inconsistent rounding conventions and floating-point arithmetic limitations contribute to these inaccuracies. Misinterpretations of precision can further misrepresent your performance, leading to misleading evaluations. Understanding the common pitfalls and the technology behind grading systems can help you navigate these challenges effectively. Explore more on enhancing accuracy in assessments and improving your academic experience. Understanding Rounding Errors in Academic Grading When you analyze grading systems in academia, it’s crucial to recognize how rounding errors can greatly impact student outcomes. These errors often arise from the rounding techniques employed in calculating final grades, which can lead to discrepancies that affect grading fairness. For instance, a student with a score of 89.5 might receive a lower grade than a peer with an 89.6, despite minimal differences in performance. Such inconsistencies can create a perception of injustice in an otherwise meritocratic system. Common Causes of Rounding Errors in Lab Grading Scripts Rounding errors in lab grading scripts often stem from specific programming choices and mathematical conventions that can skew results. Understanding these common causes can help you avoid pitfalls in your grading process: Inconsistent Rounding Conventions: Different scripts may apply various rounding rules, leading to discrepancies in final scores. Data Representation Issues: How data is stored and represented in scripts can affect precision, especially when converting between data types. Floating-Point Arithmetic: The inherent limitations of floating-point representation can introduce rounding errors during calculations, impacting overall accuracy. How Rounding Errors Affect Students’ Lab Grades Although many factors contribute to students’ lab grades, rounding errors can greatly distort their final scores. When grading scripts inaccurately round values, it creates significant grade discrepancies that misrepresent students’ true performance. This distortion affects impact assessments, leading to unfair evaluations and misplaced academic confidence. You might receive a lower grade than deserved, undermining your understanding of the material. Additionally, rounding errors can compound over multiple assessments, exacerbating the discrepancies. This not only impacts your grades but can also influence future opportunities, such as scholarships or research positions. As institutions increasingly rely on automated grading systems, addressing rounding errors becomes essential to guarantee equitable assessments that genuinely reflect the lab skills and knowledge of students in online schools k-12. Misinterpretations of Precision in Scientific Data When you analyze scientific data, it’s essential to understand how precision is often misinterpreted. These misunderstandings can compromise data integrity and lead to significant errors in results. Common Misunderstandings Explained Misunderstanding precision in scientific data can lead to significant errors in interpretation and analysis. You might encounter various grading misconceptions that obscure the true value of your data. Here are three common precision challenges: Confusing precision with accuracy: Precision refers to the repeatability of measurements, while accuracy indicates how close measurements are to the true value. Overreliance on significant figures: Misapplying significant figures can result in misleading representations of data quality. Ignoring measurement uncertainty: Every measurement carries inherent uncertainty; neglecting this can skew your data analysis. Recognizing these misunderstandings is vital for effective scientific communication and guarantees that your findings reflect their true precision, avoiding pitfalls that can arise from improper data interpretation. Impact on Data Integrity As you explore scientific data, the impact of misinterpreting precision can severely compromise data integrity. When rounding errors occur in grading scripts, they can distort the true representation of measurements. This distortion affects data validation, leading to incorrect conclusions. You might find that results, deemed statistically significant, are actually unreliable due to these inaccuracies. Misinterpretations can mislead researchers, skewing experimental outcomes and hindering advancements. As you analyze precision in your data, remember that even minor discrepancies can escalate, resulting in substantial ramifications for your findings. Strategies for Improved Accuracy Rounding errors can lead to significant misinterpretations in scientific data, making it imperative to adopt strategies that enhance accuracy. To achieve accuracy improvement in precision measurement, consider the following: Implement Consistent Rounding Rules: Establish a standard for rounding that’s used throughout your data analysis to avoid discrepancies. Utilize Software with High Precision: Choose scientific grading scripts that maintain precision to the desired decimal place, reducing the likelihood of rounding errors. Regularly Review Data Entry Practices: Confirm accurate data input by verifying entries, which can prevent initial errors from propagating through your analysis. How Automated Grading Affects Academic Integrity While automated grading systems streamline assessment processes, they can inadvertently compromise academic integrity. By relying heavily on automated assessments, educators risk creating environments where students may prioritize grades over genuine learning. The speed and efficiency of these systems can lead to superficial evaluations, encouraging practices that undermine academic honesty. Students might exploit the predictability of grading algorithms, engaging in plagiarism or submitting work that doesn’t reflect their understanding. In addition, the lack of personalized feedback from automated systems can hinder essential dialogue about academic integrity. To safeguard educational values, it’s vital to balance the benefits of automation with rigorous oversight, ensuring that assessments promote learning and uphold the principles of honesty and ethical conduct in academic environments. Identifying Rounding Problems and How to Solve Them When you analyze grading scripts, it’s crucial to recognize that rounding errors can greatly impact students’ final scores. Identifying these issues is the first step toward implementing effective error corrections. Here are three common rounding problems you might encounter: Inconsistent Rounding Techniques: Guarantee all calculations use the same method to avoid discrepancies. Precision Loss: Be wary of how many decimal places your scripts round to; too few can greatly alter results. Cumulative Errors: Multiple rounding throughout a script can lead to substantial inaccuracies; review each step carefully. Effective Techniques for Educators to Prevent Rounding Errors To effectively prevent rounding errors in grading, you should standardize grading criteria across all assignments. This consistency minimizes ambiguity in scoring and helps guarantee accuracy. Additionally, employing precision tools can enhance the accuracy of your calculations, reducing the risk of discrepancies. Standardize Grading Criteria Establishing standardized grading criteria is essential for educators aiming to minimize rounding errors and guarantee fairness in assessment. By adopting a consistent framework, you can confirm that all students are evaluated on an equal basis, enhancing grading fairness. Here are three effective techniques to implement: Define Clear Rubrics: Create detailed rubrics that outline expectations for each grade level, allowing students to understand what’s required. Use Fixed Decimal Points: Decide on a specific number of decimal places for grading and stick to it across all assessments to reduce variability. Regularly Review Assessments: Periodically assess the grading process to identify any discrepancies in standardized assessments, confirming accuracy and fairness in results. Implementing these techniques can greatly reduce rounding errors in your grading practices. Use Precision Tools Precision tools play an essential role in minimizing rounding errors in grading scripts. By implementing precision measurement techniques, you can guarantee that your data remains accurate throughout the grading process. Utilize calibrated tools to collect and analyze lab data, as proper tool calibration directly influences the reliability of your results. Regularly verify and adjust these tools to maintain accuracy, preventing minor discrepancies from snowballing into significant errors. Encourage students to engage with precision instruments, enhancing their understanding of measurement accuracy. Additionally, integrating software that supports precis


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A1 Commercial Funding Commercial Loan Placement Services Sun, 20 Oct 2024 05:49:02 +0000 en-US hourly 1 /wp-content/uploads/2025/04/cropped-favicon7-2-32x32.ico A1 Commercial Funding 32 32 Hard Money vs. Private Money /hard-money-vs-private-money/ Sun, 20 Oct 2024 05:44:21 +0000 Types Of Real Estate Financing /types-of-real-estate-financing/ Wed, 16 Oct 2024 18:49:31 +0000 New Construction Financing Construction loans are loans that fund the building of a residential or commercial property, from the land purchase to the finished structure. Common types are a standalone construction loan — a short-term loan (generally with a year-long term) — which only finances the building phase, and a construction-to-permanent loan, which converts into a mortgage once the construction is done. Borrowers who take out a standalone construction loan often get a separate mortgage to pay it off when the principal falls due. What costs are covered by a construction loan? You can use a construction loan to cover such costs as: The land/lot Contractor labor Building materials Permits As the name implies, construction loans cover the costs of building a property. Typically, that means the expenses associated with construction, such as contractor fees, labor and permits. But you can also use the funds to purchase the land or property lot itself. However, construction loans do not include design costs. If you want to hire a professional architect or interior designer, you’ll need to cover that cost on your own. How do construction loans work? The initial term on a construction loan generally lasts a year or less, during which time you must finish the project. Because construction loans work on such a short timetable and are dependent on the project’s progress, you (or your general contractor) must provide the lender with a construction timeline, detailed plans and a realistic budget. Based on that, the lender will release funds at various phases of the project, usually directly to the contractor. Construction loan statistics Construction loans typically require 20 percent down, at minimum. As of February 2024, construction loan origination volume totaled $489.62 billion, according to the Federal Deposit Insurance Corporation. Construction loans vs. traditional mortgages Beyond the cost and repayment timeline, construction loans and mortgages have a few main differences: The funds distribution: Unlike mortgages and home equity loans, which provide funds in a lump-sum payment, the lender pays out the money for a construction loan in stages as work on the new home progresses. These draws tend to happen when major milestones are completed — for example, when the foundation is laid or the framing of the house begins. The repayments: With a mortgage, you start paying back the principal and interest right away. With construction loans, your lender will typically expect you just to make interest payments during the construction stage. Additionally, borrowers are only obligated to repay interest on actual funds drawn to date until construction is completed. Inspection/appraiser involvement: While the home is being built, the lender has an appraiser or inspector check the house during the various construction stages. As the work is approved, the lender makes additional payments to the contractor, known as draws. Expect to have between four and six inspections to monitor the progress. Requirements: As with mortgages, construction loan borrowers need to be financially stable and able to make a down payment. But since there’s no property to appraise, lenders also want to see a construction plan, a detailed outline of the project, in deciding how much to give you. Interest rates: Construction loan interest rates are typically higher than traditional mortgage rates. The reason: There’s no existing structure to provide collateral to back the loan. That means the lender is taking on more risk. Types of construction loans Different construction loan types are available to borrowers and are designed to suit various financial needs. Construction-to-permanent loan With a construction-to-permanent loan, once the house is complete and you move in, the loan morphs into a traditional mortgage. Typically, you can choose your term of 15 to 30 years, and you can opt for a fixed rate or an adjustable rate. During the construction-loan phase, you’re only responsible for interest payments on the money drawn, as it’s drawn. After the conversion, you start making payments that cover interest and the principal — as you would with any mortgage. While many construction loans are conventional loans — entirely privately originated and financed — there are government versions as well. Your other options include an FHA construction-to-permanent loan — with less stringent approval standards that can be especially helpful for some borrowers — or a VA construction loan if you’re an eligible veteran. Whatever the type, the big benefit of the construction-to-permanent approach is that you have only a single set of closing costs to pay, reducing your overall expenses. “There’s a one-time closing, so you don’t pay duplicate settlement fees,” says Janet Bossi, senior vice president at OceanFirst Bank in New Jersey. Construction-only loan A construction-only loan provides the funds necessary to build the home, but the borrower is responsible for repaying the loan in full at maturity (typically one year or less). You can settle the debt in cash or by obtaining a mortgage to pay it off. The advantage of this approach: You might get better terms with the new mortgage (construction loans tend to be more expensive  – see “Construction loan rates” below). Still, construction-only loans can ultimately be costlier than their construction-to-permanent cousins. That’s because you complete two separate loan transactions and pay two sets of closing costs (which tend to equal thousands of dollars). And, of course, you have to invest time and energy shopping for a mortgage. Another consideration: If your financial situation worsens during the building, you might not be able to qualify for a mortgage later on — and might not be able to move into your new house. Renovation loan If you want to upgrade an existing home rather than build one, you can compare home renovation loan options. These come in a variety of forms depending on the amount of money you’re spending on the project. “If a homeowner is looking to spend less than $20,000, they could consider getting a personal loan or using a credit card to finance the renovation,” says Steve Kaminski, head of U.S. Residential Lending at TD Bank. “For renovations starting at $25,000 or so, a home equity loan or line of credit may be appropriate if the homeowner has built up equity in their home.” Another viable option in a low mortgage rate environment is a cash-out refinance, in which a homeowner takes out a new mortgage in a higher amount than their current loan, receiving the extra as a lump sum. As rates tick up, though, cash-out refis become less appealing. With refis or home equity loans, the lender generally does not require disclosure of how the homeowner will use the funds. The homeowner manages the budget, the plan and the payments. With some renovation loans, the lender will evaluate the builder, review the budget and oversee the draw schedule. Owner-builder construction loan Owner-builder loans are construction-to-permanent or construction-only loans in which the borrower also acts in the capacity of the home builder. Most lenders won’t allow the borrower to act as their own builder because of the complexity of constructing a home and the experience required to comply with building codes. Lenders typically only allow it if the borrower is a licensed builder by trade. End loan An end loan simply refers to the homeowner’s mortgage once the property is built, says Kaminski. You use a construction loan during the building phase and repay it once the construction is completed. You’ll then have a regular mortgage to pay off, also known as the end loan. “Not all lenders offer a construction-to-permanent loan, which involves a single loan closing,” says Kaminski. “Some require a second closing to move into the permanent mortgage or an end loan.” Construction loan rates Unlike traditional mortgages, which carry fixed rates, construction loans usually have variable rates that fluctuate with the prime rate. That means your monthly payment can also change, moving upward or downward based on rate changes. Construction loan rates are also typically higher than traditional mortgage rates. That’s partially because they’re unsecured (backed by an asset). With a traditional mortgage, your home acts as collateral — if you default on your payments, the lender can seize your home. With a home construction loan, the lender doesn’t have that option, so they tend to view these loans as bigger risks. On average, you can expect interest rates for construction loans to be about 1 percentage point higher than those of traditional mortgage rates. Construction loan requirements The companies that offer construction loans usually require borrowers to: Be financially stable. To get a construction loan, you’ll need a low debt-to-income ratio and proof of sufficient income to repay the loan. You also generally need a credit score of at least 680. Make a down payment. You need to make a down payment when you apply for the loan, just as you do with most mortgages. The amount will depend on the lender you choose and the amount you’re trying to borrow to pay for construction, but construction loans usually require at least 20 percent down. Have a construction plan. Lenders will want you to work with a reputable construction company and architect to come up with a detailed plan and schedule. Get a home appraisal. Whether you’re getting a construction-only loan or a construction-to-permanent loan, lenders want to be certain that the home is (or will be) worth the money they’re lending you. The appraiser will assess the blueprints, the value of the lot and other details to arrive at an accurate figure. For construction-to-permanent loans, the home will serve as collateral for the mortgage once construction is complete. How to get a construction loan Getting approval for a construction loan might seem similar to the process of obtaining a mortgage, but getting approved to break ground on a brand-new home is a bit more complicated. Generally, you should follow these four steps: Find a licensed builder: Lenders will want to know that your chosen builder has the expertise to complete the home. If you have friends who have built their own homes, ask for recommendations. You can also turn to the NAHB’s directory of local home builders’ associations to find contractors in your area. Just as you would compare multiple existing homes before buying one, it’s wise to compare different builders to find the combination of price and expertise that fits your needs. Find a construction loan lender: Check with several experienced construction loan lenders to obtain details about their specific programs and procedures. If you have trouble finding a lender willing to work with you, check out smaller regional banks or credit unions. Compare construction loan rates, terms and down payment requirements to ensure you’re getting the best possible deal for your situation. Get your documents together: A lender will likely ask for a contract with your builder that includes detailed pricing and plans for the project. Be sure to have references for your builder and any necessary proof of their business credentials. You will also likely need to provide many of the same financial documents as you would for a traditional mortgage, like pay stubs and tax statements, that offer proof of income, assets and employment. Get preapproved: Getting preapproved for a construction loan can provide a helpful understanding of how much you will be able to borrow for the project. This can be an important step to avoid paying for plans from an architect or drawing up blueprints for a home that you will not be able to afford. Get homeowners insurance: Even though you may not live in the home yet, your lender will likely require a prepaid homeowners insurance policy that includes builder’s risk coverage. This way, if something happens during the construction process — the halfway-built property catches on fire or someone vandalizes it, for example — you are protected. ]]> The Types Of General Financing /the-types-of-financing/ Wed, 16 Oct 2024 18:44:46 +0000 There are two types of financing: equity financing and debt financing. The main advantage of equity financing is that there is no obligation to repay the money acquired through it. Equity financing places no additional financial burden on the company, though the downside is quite large. Introduction When starting or expanding a business, financing plays a crucial role in its success. There are various options available to entrepreneurs seeking capital to fund their ventures. This article explores different types of financing and their advantages and disadvantages, enabling business owners to make informed decisions about the best financing option for their needs. Equity Financing One common type of financing is equity financing. In this method, a business raises funds by selling shares or ownership stakes to investors. These investors become partial owners of the company and share its profits and losses. Advantages of Equity Financing No Debt Obligations: Unlike debt financing, equity financing does not create any repayment obligations. The business doesn’t have to worry about making regular interest or principal payments. Shared Risk: Investors share the risk with the business. If the venture fails, the burden is not solely on the entrepreneur. Expertise and Networking: Equity investors often provide valuable expertise and connections to help the business grow. Disadvantages of Equity Financing Loss of Control: Selling equity means giving up some control over the company. Major decisions may require approval from shareholders. Profit Sharing: As the business grows, a significant portion of the profits goes to shareholders. Time-Consuming: Attracting investors and negotiating deals can be time-consuming and distracting for business owners. Debt Financing Debt financing involves borrowing money from lenders or financial institutions, which must be repaid over time with interest. Advantages of Debt Financing Retain Ownership: Unlike equity financing, the business owner retains full ownership. Lenders do not have any claim on future profits. Tax Deductible: The interest paid on loans is often tax-deductible, reducing the overall tax liability of the business. Predictable Repayment: Loan terms outline fixed repayment schedules, making it easier for businesses to plan their finances. Disadvantages of Debt Financing Debt Burden: High levels of debt can become a burden, especially if the business faces financial challenges. Risk of Default: Failure to repay loans can lead to serious consequences, including the seizure of assets or legal actions. Interest Payments: Regular interest payments increase the overall cost of capital for the business. Mezzanine Financing Mezzanine financing is a hybrid form of financing that combines elements of both debt and equity. Advantages of Mezzanine Financing Flexible Terms: Mezzanine financing offers more flexibility in repayment terms compared to traditional debt. Lower Interest Rate: Mezzanine financing generally has a lower interest rate compared to other forms of debt financing. Potential Equity Conversion: In some cases, mezzanine debt can be converted into equity, providing an opportunity for investors to participate in the company’s growth. Disadvantages of Mezzanine Financing Higher Risk: Mezzanine financing is considered riskier than senior debt since it ranks lower in the capital structure. Complicated Structure: The structure of mezzanine financing deals can be complex, making negotiations challenging. Costly: Due to the additional features, mezzanine financing may be more expensive than regular debt financing. Venture Capital Financing Venture capital financing involves investment in early-stage companies with high growth potential. Advantages of Venture Capital Financing High Growth Potential: Venture capitalists seek companies with high growth prospects, offering the potential for significant returns. Business Guidance: Venture capitalists often provide valuable guidance and mentoring to the entrepreneur. Access to Network: Entrepreneurs gain access to the venture capitalist’s extensive network of industry contacts. Disadvantages of Venture Capital Financing Equity Dilution: Venture capitalists demand a significant ownership stake in exchange for their investment. Pressure to Perform: Venture capitalists expect a high return on their investment and may put pressure on the company to achieve rapid growth. Longer Timeframe: The process of attracting venture capital funding can be time-consuming and may require giving up a large amount of equity. ]]> What Is Agency Financing? /what-is-agency-financing/ Wed, 16 Oct 2024 18:24:26 +0000 Agency financing refers to a financing arrangement where a government agency acts as an intermediary or facilitator in providing financial assistance to individuals, businesses, or other entities. The purpose of agency financing is to support specific sectors or initiatives that align with the goals and objectives of the government. In agency financing, the government agency typically borrows money from capital markets or other sources and then lends or invests those funds in the targeted sectors or projects. The agency may provide loans, guarantees, subsidies, or equity investments to promote economic development, infrastructure projects, small businesses, agriculture, affordable housing, renewable energy, education, healthcare, or other priority areas.Several benefits and features of agency financing include: Lower interest rates: Government agencies can often secure funding at relatively lower interest rates compared to private entities, which allows them to offer loans or financial assistance at more favorable terms. Loan programs: Government agencies may establish specific loan programs to address the financing needs of particular sectors or groups. These programs can offer flexible terms, longer repayment periods, or lower down payment requirements to facilitate access to capital. Risk mitigation: Government agencies may provide guarantees or insurance programs that reduce the credit risk for lenders, encouraging them to extend financing to sectors or projects that might otherwise be considered riskier. Targeted support: Agency financing is designed to promote desired outcomes such as job creation, innovation, infrastructure development, or social and environmental sustainability, aligning with the government’s policy objectives. Regulatory oversight: Government agencies typically have regulatory responsibilities to ensure that the funds disbursed through agency financing are used appropriately and in accordance with the established guidelines or regulations. Examples of agency financing include the Small Business Administration (SBA) in the United States, which provides loans and guarantees to support small businesses, or development finance institutions like the International Finance Corporation (IFC), which offers financing and advisory services for private sector projects in emerging markets. Overall, agency financing plays a crucial role in leveraging public funds to stimulate economic growth, address market failures, and promote targeted development objectives in various sectors. ]]> how-to-finance-a-business-partnership-buyout /how-to-finance-a-business-partnership-buyout/ Fri, 11 Oct 2024 22:03:46 +0000 Whether your business partner is a close friend or family member, or it’s strictly a business arrangement, there often comes a time when you and your partner seek different paths. A partner who wants to make an exit can have major consequences for your business venture, especially if there’s a disagreement. Regardless of the circumstances, it’s usually necessary to buy out the existing partner’s share of the business when one person decides to make an exit. Business partnership buyouts, when done with proper care and due diligence, can go amicably and relatively quickly. However, sometimes these breakups can be messy, with financial or personal issues getting in the way of a clean buyout. If you purchased a building or office space as part of your business partnership, that can add a layer of complexity to any buyout. Small business owners may not have the capital on hand to buy a partner out right away, which can drag out the process and have unintended consequences for the well-being of the business. To avoid this, many business owners seek external financing to complete their business partnership buyouts quickly, preserve professional relationships, and ensure that the health of the business isn’t affected by an extended transition period. ]]> What Are New Construction Loans? /what-are-new-construction-loans/ Fri, 11 Oct 2024 05:13:18 +0000 A construction loan is used to finance the building of commercial or residential real estate. The loan applicant may be a real estate developer or an individual building a custom house. The loan is often short-term and is then replaced by longer-term mortgage financing.Construction loans are considered relatively risky and usually have higher interest rates than traditional mortgage loans.A construction loan may be sought by a builder or an individual to cover the costs of building or extensively remodeling a house. Construction loans are usually short-term, about a year, and are then folded into a mortgage loan. A strong credit history is required as the loan is not collateralize. Construction Loans are typically made under hard money lending guidelines such as Hard Money Loans A hard money loan is a type of loan that is secured by real property. Hard money loans are considered loans of “last resort” or short-term bridge loans. These loans are primarily used in real estate transactions, with the lenders generally being individuals or companies and not banks. Hard money lenders do not operate the same as traditional money lenders. There are a few important areas to be mindful of: Interest Rates: The interest rate that you’ll receive from a hard money lender will generally be higher than a traditional lender. This is so because the loan approval process does away with the traditional checks, increasing the risk for the lender. The higher the risk the higher the interest rate. Loan Term: Hard money loans come with shorter terms. The shorter term benefits both the hard money lender and the borrower. The hard money lender has a shorter period they are lending money, which reduces their risk period, and borrowers don’t have to pay a high interest rate for a long period of time. Approval Metrics: Most traditional lenders approve a loan or the amount of a loan on standard industry metrics, such as accepted debt-to-income ratios. Hard money lenders set their own standards on what is acceptable. Oversight and Regulation: Hard money lenders are similar to payday lenders in that they don’t have much oversight or regulation to abide by. Advantages and Disadvantages of a Hard Money Loan As with any financial product, there are advantages and disadvantages to hard money loans. These loans are quick and easy to arrange and have high loan-to-value (LTV) ratios, but also high interest rates. Advantages One advantage to a hard money loan is the approval process, which tends to be much quicker than applying for a mortgage or other traditional loan through a bank. The private investors who back the hard money loan can make decisions faster because the lender is focused on collateral rather than an applicant’s financial position. Lenders spend less time combing through a loan application verifying income and reviewing financial documents, for example. If the borrower has an existing relationship with the lender, the process will be even smoother. Hard loan investors aren’t as concerned with receiving repayment because there may be an even greater value and opportunity for them to resell the property themselves if the borrower defaults. Disadvantages Since the property itself is used as the only protection against default, hard money loans usually have lower LTV ratios than traditional loans: around 50% to 75%, vs. 80% for regular mortgages (though it can go higher if the borrower is an experienced flipper). Also, the interest rates tend to be high. For hard money loans, the rates can be even higher than those of subprime loans. Another disadvantage is that hard loan lenders might elect not to provide financing for an owner-occupied residence because of regulatory oversight and compliance rules. What Are the Typical Terms of a Hard Money Loan? Hard money loans are a form of short-term financing, with the loan term lasting between three and 36 months. Most hard money lenders can lend up to 65% to 75% of the property’s current value at an interest rate of 10% to 18%. Is a Hard Money Loan a Good Investment? It depends on what you use the money for. Hard money loans are a good fit for wealthy investors who need to get funding for an investment property quickly, without any of the red tape that goes along with bank financing. They can be useful to pay for a one-time expense or project, but only if you are reasonably sure you’ll have the money to pay back the loan. What Are The Risks of a Hard Money Loan? Hard money lenders typically charge a higher interest rate because they’re assuming more risk than a traditional lender would. They may require a higher down payment than a traditional loan would, and you’ll have a shorter period to pay back the loan. The Bottom Line Hard money loans are typically used by real estate investors, developers, and flippers. They can be arranged much more quickly than a loan through a traditional bank, and loan terms are generally short: six to 18 months. Hard money loans may be sought by investors who plan to renovate and resell the real estate that is used as collateral for the financing. The higher cost of a hard money loan is offset by the fact that the borrower intends to pay off the loan relatively quickly. ]]> Commercial Financing Options /commercial-financing-options/ Sun, 25 Aug 2024 03:15:53 +0000 Investing in commercial property can be a lucrative venture, but securing the right financing is crucial to your success. Understanding the diverse range of commercial property financing options available can help you make informed decisions that align with your goals. Traditional bank loans are a popular choice for many commercial property investors. From long-term fixed-rate loans to adjustable-rate loans, term loans, SBA loans, and balloon mortgages, banks offer a variety of options to suit different needs. CMBS, or Commercial Mortgage-backed Securities, provides another financing avenue for commercial property investors. While CMBS offers benefits such as increased liquidity and diversification, understanding the risks involved is essential before diving in. Private equity financing, on the other hand, involves seeking investment from private investors. This option allows for equity participation, joint ventures, and potentially attractive returns on investment. Hard money loans, characterized by their quick approval process and asset-based lending, can be a viable solution for those in need of short-term financing. Seller financing, where the seller acts as the lender, presents an alternative financing method with its own unique set of advantages and risks. Private equity financing is an attractive option for commercial property investors seeking capital from private investors. This type of financing allows investors to secure funds without relying solely on traditional banking institutions. In exchange for capital, private equity investors may require equity participation in the property, sharing in both the risks and rewards of the investment. Joint ventures are another common arrangement in private equity financing, where multiple parties collaborate on a commercial property project. By pooling resources and expertise, investors can maximize returns and mitigate risks. When considering private equity financing, it is crucial to evaluate the potential return on investment to ensure it aligns with your financial goals and risk tolerance. Hard money loans, while often viewed as a last resort due to their high-interest rates, can offer a swift solution for investors in need of immediate capital. These loans are typically secured by the value of the property itself, making them a viable option for those with less-than-perfect credit or unconventional financial situations. Asset-based lending is a key feature of hard money loans, where the property serves as collateral to secure the loan. While hard money loans can provide quick access to funds, investors should carefully weigh the high-interest rates and fees associated with this type of financing. Understanding the specific scenarios where hard money loans are suitable can help investors make informed decisions and avoid potential pitfalls. Seller financing, also known as owner financing, offers a unique financing option where the seller acts as the lender in the real estate transaction. This arrangement allows buyers to secure financing directly from the seller, bypassing traditional lending institutions. Seller financing can provide various benefits for both parties, such as flexible terms, quicker transactions, and potentially lower closing costs. However, it is essential to carefully negotiate the terms of the financing agreement to ensure a fair and mutually beneficial transaction. Investors should also be aware of the risks associated with seller financing, including potential disagreements over terms, default scenarios, and legal complexities. By considering key factors such as interest rates, repayment terms, and property valuations, investors can navigate seller financing successfully and secure favorable terms for their commercial property investment. FAQ: Understanding Commercial Property Financing Q: What are the different types of traditional bank loans available for commercial property financing?A: Traditional bank loans for commercial property financing include long-term fixed-rate loans, adjustable-rate loans, SBA loans, term loans, and balloon mortgages. Each option offers unique features and benefits to suit different financing needs. Q: What is CMBS, and how does it work as a financing option for commercial properties?A: CMBS, or Commercial Mortgage-backed Securities, involve pooling together commercial property loans to create mortgage-backed securities that are sold to investors. CMBS offers benefits such as increased liquidity and diversification but also comes with inherent risks that investors should be aware of. Q: How does private equity financing differ from traditional bank loans for commercial property investments?A: Private equity financing involves securing capital from private investors rather than traditional banking institutions. This option allows for equity participation, joint ventures, and potentially higher returns on investment compared to traditional loans. Q: What are hard money loans, and when are they suitable for commercial property financing?A: Hard money loans are short-term, high-interest loans that are secured by the value of the property itself. These loans are suitable for investors in need of quick capital but should be used judiciously due to their higher costs compared to traditional financing options. Q: What are the key considerations for investors exploring seller financing as a commercial property financing option?A: Seller financing, where the seller acts as the lender, offers benefits such as flexibility and quicker transactions. Investors should carefully negotiate terms, assess risks, and consider factors such as interest rates, repayment terms, and property valuations when exploring seller financing for their commercial property investment. ]]>


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ACA Signups en 2027 Rate Changes - Pennsylvania: +16.0% indy mkt; +10.3% sm. group mkt (FINAL) /rate_changes/2027/pa <span class="submitted-by">Fri, 09/18/2026 - 3:24pm</span><div class="field field-name-field-header-image field-type-image field-label-hidden"><div class="field-items"><div class="field-item even"><img src="/sites/default/files/styles/400x400/public/thumb_pennsylvania_9.jpg?itok=Riyu724k" width="300" height="158" alt="" /></div></div></div><div class="field field-name-body field-type-text-with-summary field-label-hidden"><div class="field-items"><div class="field-item even"><p><span style="color:#0000ff"><em><strong>Originally posted 7/27/26</strong></em></span></p> <p>Before I begin, it's important to note that ACA exchange enrollment has dropped in Pennsylvania since Congressional Republicans allowed the enhanced federal subsidies to expire at the end of last year...although <a href="/25/11/12/there-will-be-graphs-deeper-dive-how-14-states-are-dramatically-mitigating-expiring-tax">thanks to the state implementing fairly robust Premium Alignment pricing</a>, it's <strong>not nearly as dramatic</strong> a drop-off as in most other states.</p> <p>Initial <strong>signups</strong> during Open Enrollment were actually slightly <strong>higher</strong> than last year...but<strong> effectuated enrollment</strong> began to drop starting in February and has continued to drop at an increasing rate every month since then. As of July 2026, <strong>effectuated enrollment is down more than 10% vs. a year earlier</strong>, and it's down nearly 4% on average for the year so far. That's <strong>48,000 fewer Pennsylvanians with ACA exchange coverage</strong> as of July:</p> <p><a class="colorbox colorbox-insert-image" href="/sites/default/files/styles/inline_default/public/pennsylvania_effectuated_month_year_table.jpg?itok=UzBtQ0Fm"><img alt="" class="image-inline-default" src="/sites/default/files/styles/inline_default/public/pennsylvania_effectuated_month_year_table.jpg?itok=UzBtQ0Fm" /> </a></p> <p>Here's what this looks like visually, with both 2025 and 2019 (the last pre-COVID year, which didn't include the enhanced subsidies) included for comparison:</p> <p><a class="colorbox colorbox-insert-image" href="/sites/default/files/styles/inline_default/public/pennsylvania_effectuated_month_year_graph1.jpg?itok=Ax5CA7jk"><img alt="" class="image-inline-default" src="/sites/default/files/styles/inline_default/public/pennsylvania_effectuated_month_year_graph1.jpg?itok=Ax5CA7jk" /></a></p> <p>Looking ahead to 2027, the preliminary rate filings for both the individual and small group markets have been <a href=" by the Pennsylvania Insurance Department</a>, and as with most states so far <strong>it's not looking pretty for those who earn more than 4x the Federal Poverty Level (FPL):</strong></p> <p><strong><span style="background-color:#ffff00">Ambetter Health of Pennsylvania:</span></strong></p> <blockquote><p>The rate projections for 2027 have been updated from the previous year’s projections to reflect the most recent assumptions and information available.</p> <p>The following describes and quantifies the significant drivers underlying the proposed rate change for 2027. This breakdown is intended only for explanatory purposes and is distinct from the development of rates, as described in the subsequent sections of this memorandum.</p> <ul> <li>Single Risk Pool Experience and Morbidity (19.2% premium impact versus 2026 filed rates) The individual single risk pool experience underlying the rate projections has been updated.</li> </ul> <p>The current model reflects the projected utilization trend applied to adjusted experience (from 2025 to 2027), including anticipated changes in the average morbidity of the single risk pool. There is a full description of utilization trend and other projection factors applied to experience in Section 6, "Trend Factors".</p> <p>Risk adjustment transfer experience for 2027 includes consideration of changes to the statewide average premium, the Risk Adjustment program, and Ambetter Health enrollee population morbidity relative to the Pennsylvania single risk pool.</p> <ul> <li>Unit Cost trend (8.6% premium impact versus 2026 filed rates)</li> </ul> <p>Unit costs and provider reimbursement agreements have been updated to reflect changes in the rating year.</p> <ul> <li>Benefit Design and CSR Subsidies (-4.4% to 35.3% premium impact versus 2026 filed rates, varies by plan)</li> </ul> <p>Ambetter Health’s 2027 rates assume no change in covered EHB or non-EHB benefits relative to benefits offered in 2026. The rates do reflect updated projections of actuarial value and cost sharing by plan. Premium rates continue to reflect the expectation that Ambetter Health will not be reimbursed by the U.S. Department of Health and Human Services (HHS) forcost-s haring on CSR Silver plans.</p> <ul> <li>Administrative Expenses and Profit (2.4% premium impact versus 2026 filed rates)</li> </ul> <p>See Section 2b, "Retention Items", for details on projected non-benefit expenses.</p> <ul> <li>Other</li> </ul> <p>These components include capitation contracts, changes in the 1332 program, and interactions between prior steps.</p> <p><strong>...Impact of eAPTC Expiration</strong></p> <p>To account for eAPTC expiration prior to the 2027 benefit year, <strong>we have assumed rates will increase due to anticipated reductions in enrollment</strong>, both at the issuer and single risk pool level. As eAPTCs expire and enrollees subsequently face increased out-of-pocket premiums, we assume healthier individuals who tend to be more price sensitive will leave the market, worsening the average morbidity of the individual risk pool.</p> <p>If enhanced subsidies were extended, the key assumption changes to pricing year 2027 would be to:</p> <ul> <li>Experience Development, Morbidity, and Risk Adjustment</li> <li>Non-benefit expenses</li> </ul> </blockquote> <p><strong><span style="background-color:#ffff00">Capital Advantage Assurance Company</span></strong></p> <blockquote><p>CAAC is proposing an aggregate annual 18.3% rate change, which varies by plan. The rate change is calculated in PA Rate Exhibits Part IV, Table 11, cell AN13. The key drivers of the rate change and approximate impact are as follows:</p> <ul> <li>Future cost and utilization: 11.5%</li> <li>2025 claims net risk adjustment: 5.8%</li> <li>2026 rate increase: -6.5%</li> <li>Change to reinsurance parameters: 1.5%</li> <li><strong>Enhanced subsidies end: 3%</strong></li> <li><strong>Continued fraud: 3%</strong></li> </ul> </blockquote> <p>The additional 3% bump due to the lingering impact of the GOP killing the enhanced subsidies isn't surprising to me, but the 3% to account for "continued fraud" is. Here's more details on that:</p> <blockquote><p>...The Other Morbidity Factor has two parts. The first part is due to the expiration of enhanced subsidies in 2025. This factor of 1.03 is carried forward from the 2026 filing as<strong> the impact of the subsidy expiration is not reflected in 2025 experience.</strong></p> <p>The second part of the Other Morbidity factor is due to ongoing fraudulent claims. CAAC requests that the proposed 2027 rates include a 3.0% adjustment <strong>to reflect the ongoing impact of fraudulent claims activity</strong> that has<strong> materially distorted CAAC’s claim experience to-date,</strong> and is expected to continue into the rating period. CAAC has observed fraud schemes involving<strong> false Pennsylvania residency information</strong> and <strong>misuse of heritage status to obtain or maintain Marketplace enrollment through Pennie</strong>, even though <strong>residency and heritage status are subject to eligibility and verification requirements.</strong></p> <p>In these cases, <strong><span style="background-color:#ffff00">fraudsters target vulnerable individuals suffering from substance use disorder, enroll them in coverage, and then quickly transport them to out-of-state substance use disorder treatment facilities</span></strong>, where they are cycled through multiple levels of care for extended periods while providers submit large claims to issuers.</p> <p>After identifying this activity, <strong>CAAC, along with other issuers, has worked extensively with Pennie to report the issue, strengthen controls, and limit further abuse</strong>; however, despite those efforts,<strong> the adverse claims impact has been significant and must be reflected in 2027 rates</strong>. The requested 3.0% increase is intended to be a conservative and member-friendly approach that seeks to minimize unnecessary premium disruption while also ensuring that rates remain financially responsible and actuarially sound, and CAAC respectfully reserves the option to initiate and revise this rate adjustment, as appropriate, before final rate approval based on emerging experience.</p> </blockquote> <p>It's important to remember that, once again, the fraud being referred to here is on the part of <strong><span style="background-color:#ffff00">unscrupulous third party actors, NOT the actual enrollees themselves.</span></strong></p> <p><strong><span style="background-color:#ffff00">Geisinger Health Plan</span></strong></p> <blockquote><p>This filing applies to HMO and POS products, sold on and off exchange in rating areas 2, 3, 5, 6, 7 and 9. There will be 24 gold plans, 11 silver plans, 15 bronze plans, as well as 4 catastrophic plans, for a total of 54 plans offered in 2027. For every county in our service area, we will continue to have one silver plan offered Off-Exchange only. These plans do not include the adjustment of the defunding of CSR and therefore are lower priced than a similar plan offered On-Exchange. As of February 2026, 16,827 covered lives and 12,326 policyholders will be impacted by this filing. The proposed overall rate increase is 10.5% but is not uniform by plan. The increases range from 6.2% to 13.2%. Table 11 shows the increases at the plan level. These increases vary by plan due to benefit changes necessary to maintain the desired metal level as well as changes in pricing and induced demand factors.</p> <p><strong>Average Rate Change</strong></p> <p>The average rate change from Table 11, cell AN13 is 10.5% and is entered as the “percent rate change requested” in the SERFF Rate Review Detail Screen. It is the change in 21-year-old non-tobacco premium PMPM (as instructed by the Department).</p> <p>...On 12/31/25, the Expanded Subsidies provided by ARPA expired. A significant reduction in enrollment was expected, but that did not happen. Geisinger experienced significant growth in enrollment. Our belief is that the turmoil of the subsidy change enticed more members to shop for plans than in standard years. As a result, approximately 3,000 more members are in GHP and GQO’s individual ACA plans in 2026 than in December of 2025. It is believed that these members are new to GHP or GQO and not new to the ACA market in general. A third-party vendor analyzed the enrollment in the PA ACA market and compared those who stayed vs those who departed. The analysis modeled several scenarios with the morbidity change estimated between 0.3% and 1.2%. <strong>GHP has selected 1.0% as our morbidity adjustment to reflect the change in membership by relying on this analysis. This adjustment is enteredinto Table 5 as 1.01.</strong></p> <p>...At this time, there is no proposed legislation or action that would restore the enhanced subsidies that ended 12/31/2025. <strong>If additional subsidies are introduced for the ACA market</strong>, the design of those subsidies would be analyzed and an impact to the market would be estimated. The following assumptions could change:</p> <ul> <li>Projected Membership</li> <li>Percent of On-Exchange Members</li> <li>Morbidity</li> <li>Other Adjustments</li> </ul> </blockquote> <p><strong><span style="background-color:#ffff00">Keystone Health Plan Central (KHPC)</span></strong></p> <blockquote><p>KHPC is proposing an aggregate annual 33.8% rate change, which varies by plan. The rate change is calculated in PA Rate Exhibits Part IV, Table 11, cell AN13. The key drivers of the rate change and approximate impact are as follows:</p> <ul> <li>Future cost and utilization: 11.8%</li> <li>2025 claims net risk adjustment: 27%</li> <li>2026 rate increase: -6.5%</li> <li>Change to reinsurance parameters: 1.5%</li> </ul> </blockquote> <p><strong><span style="background-color:#ffff00">Keystone Health Plan East (KHPE)</span></strong></p> <blockquote><p>The average proposed rate change shown in Cell AN13 of Table 11 is 14.7%. The changes to the single risk pool gross premium average rate per member per month (PMPM) from calendar year 2026 to calendar year 2027 are incorporated into the pricing and reflected in the Unified Rate Review Template.</p> <p><strong>...We project that rates would be approximately 2% lower should the enhanced Federal Rate Subsidies be restored due to improved market morbidity</strong>. This is based on advice from consulting actuaries.</p> </blockquote> <p><strong><span style="background-color:#ffff00">UPMC Health Network, Inc.</span></strong></p> <blockquote><p>The rate change for UPMC Health Network Individual plans is 12.03% for 2027. Rate change drivers include the following:</p> <ul> <li>Increases in medical and pharmacy cost and utilization</li> <li><strong>Anticipated increase in plan liability as a result of the expiration of enhanced federal Premium Tax Credits</strong></li> </ul> <p><strong>Scope and Range of the Rate Increase</strong></p> <p>The number of individuals affected by this rate increase is 106,881. The proposed rate increase varies by plan due to various changes made to meet AV requirements on a plan-by-plan basis. The range of the proposed rate change is -1.07% to 22.72%.</p> </blockquote> <p><strong><span style="background-color:#ffff00">UPMC Health Plan, Inc</span></strong></p> <blockquote><p>The rate change for UPMC Health Plan Individual plans is 15.82% for 2027. Rate change drivers include the following:</p> <ul> <li>Increases in medical and pharmacy cost and utilization</li> <li><strong>Anticipated increase in plan liability as a result of the expiration of enhanced federal Premium Tax Credits</strong></li> </ul> <p>Scope and Range of the Rate Increase</p> <p>The number of individuals affected by this rate increase is 1,640. The proposed rate increase varies by plan due to various changes made to meet AV requirements on a plan-by-plan basis. The range of the proposed rate change is 2.99% to 16.76%.</p> </blockquote> <p><a class="colorbox colorbox-insert-image" href="/sites/default/files/styles/inline_default/public/pennsylvania_2027_indy_prelim.jpg?itok=bAi88f5b"><img alt="" class="image-inline-default" src="/sites/default/files/styles/inline_default/public/pennsylvania_2027_indy_prelim.jpg?itok=bAi88f5b" /> </a></p> <p><a class="colorbox colorbox-insert-image" href="/sites/default/files/styles/inline_default/public/pennsylvania_2027_sm_group_prelim.jpg?itok=PMHVb1At"><img alt="" class="image-inline-default" src="/sites/default/files/styles/inline_default/public/pennsylvania_2027_sm_group_prelim.jpg?itok=PMHVb1At" /> </a></p> <p><strong><span style="background-color:#ffff00">UPDATE 9/18/26:</span></strong> The Pennsylvania Insurance Dept. has published the <a href=", approved rate filings for the 2027 individual and small group markets.</a> Most of the individual market carriers had their rate hikes reduced by several points, although a few of them will actually end up with slightly <strong>higher</strong> premiums than they had initially requested. Overall, the weighted average increase dropped from 17.1% to <strong><span style="background-color:#ffff00">16.0%</span></strong>. For the small group market, the changes were even less significant; the weighted average across the entire market is an increase of <strong><span style="background-color:#ffff00">10.3%</span></strong> vs. the requested 11.0%.</p> <p> </p> <p><a class="colorbox colorbox-insert-image" href="/sites/default/files/styles/inline_default/public/pennsylvania_2027_indy_final.jpg?itok=d0mp4EXg"><img alt="" class="image-inline-default" src="/sites/default/files/styles/inline_default/public/pennsylvania_2027_indy_final.jpg?itok=d0mp4EXg" /> </a></p> <p><a class="colorbox colorbox-insert-image" href="/sites/default/files/styles/inline_default/public/pennsylvania_2027_sm_group_final.jpg?itok=2juqTXpk"><img alt="" class="image-inline-default" src="/sites/default/files/styles/inline_default/public/pennsylvania_2027_sm_group_final.jpg?itok=2juqTXpk" /> </a></p> </div></div></div><div class="field field-name-field-tags field-type-taxonomy-term-reference field-label-hidden"><div class="field-items"><div class="field-item even"><a href="/tags/pennsylvania">Pennsylvania</a></div><div class="field-item odd"><a href="/2027-rate-changes">2027 Rate Changes</a></div></div></div><ul class="links inline"><li class="addtoany first last"><span><span class="a2a_kit a2a_target addtoany_list" id="da2a_1"> <a class="a2a_button_bluesky"></a> <a class="a2a_button_mastodon"></a> <a class="a2a_button_facebook"></a> <a class="a2a_button_linkedin"></a> <a class="a2a_button_reddit"></a> <a class="a2a_button_email"></a> <a class="a2a_dd addtoany_share_save" href="; </span> <script type="text/javascript"> <!--//--><![CDATA[//><!-- if(window.da2a)da2a.script_load(); //--><!]]> </script></span></li> </ul> Fri, 18 Sep 2026 19:24:08 +0000 Charles Gaba 9936 at /rate_changes/2027/pa#comments 2027 Rate Changes - Nevada: +17.2% indy market; +12.3% sm. group market (FINAL) /rate_changes/2027/nv <span class="submitted-by">Thu, 09/17/2026 - 8:35pm</span><div class="field field-name-field-header-image field-type-image field-label-hidden"><div class="field-items"><div class="field-item even"><img src="/sites/default/files/styles/400x400/public/thumb_nevada_19.jpg?itok=mdb7r0MF" width="300" height="158" alt="" /></div></div></div><div class="field field-name-body field-type-text-with-summary field-label-hidden"><div class="field-items"><div class="field-item even"><p><span style="color:#0000ff"><strong><em>Originally posted 8/20/2026</em></strong></span></p> <p>ACA exchange<strong> enrollment has dropped by 11% in Nevada</strong> since <strong>Congressional Republicans allowed the enhanced federal subsidies to expire</strong> at the end of last year.</p> <p>Initial <strong>signups</strong> during Open Enrollment were only down<strong> ~6%</strong> vs. OEP 2025...but <strong>effectuated enrollment</strong> has gradually shrunk further every month since then and stood at <strong>11.1% lower</strong> as of May 2026.</p> <p>That's over 11,000 Nevadans who have lost coverage so far this year.</p> <p><a class="colorbox colorbox-insert-image" href="/sites/default/files/styles/inline_default/public/nevada_effectuated_month_year_table.jpg?itok=H2a6jmhU"><img alt="" class="image-inline-default" src="/sites/default/files/styles/inline_default/public/nevada_effectuated_month_year_table.jpg?itok=H2a6jmhU" /> </a></p> <p>Here's what this looks like visually, with both 2025 and 2019 (the last pre-COVID year, which didn't include the enhanced subsidies) included for comparison:</p> <p><a class="colorbox colorbox-insert-image" href="/sites/default/files/styles/inline_default/public/nevada_effectuated_month_year_graph.jpg?itok=zn_45_c_"><img alt="" class="image-inline-default" src="/sites/default/files/styles/inline_default/public/nevada_effectuated_month_year_graph.jpg?itok=zn_45_c_" /> </a></p> <p>Looking ahead to 2027, the preliminary rate filings for both the individual and small group markets are now available via the <a href=" Rate Review database:</a></p> <p><strong><span style="background-color:#ffff00">CARESOURCE:</span></strong></p> <blockquote><p>This document contains the Part II written description justifying the rate increase subject to review on CareSource Nevada Co’s (CNV) individual medical block of business in Nevada, effective January 1, 2027. <strong>The average proposed rate increase is 25.7% and varies based on age, geographic region, and plan selection. There are 799 members currently enrolled that will be affected by the rate change.</strong></p> <p>Both costs and the number of services for medical and pharmacy benefits have increased significantly, which is the major contributor to this rate action. Changes in benefits are not a major contributor to the rate action and are within the bounds defined by CMS’ Final AV Calculator instructions. <strong>The expiration of ARPA and the resulting assumed reduction in total marketplace membership is a driver of increased administrative expenses in this filing.</strong></p> </blockquote> <p><strong><span style="background-color:#ffff00">COMMUNITY CARE:</span></strong></p> <blockquote><p>Community Care Health Plans of Nevada dba Anthem Blue Cross and Blue Shield has made an application to the Nevada Department of Insurance for premium rate changes for its fully ACA‐compliant individual health plan products. <strong>This increase will impact approximately 5,100 Nevada insured members renewing on 1/1/2027 </strong>with Community Care Health Plans of Nevada dba Anthem Blue Cross and Blue Shield. <strong>At the individual plan level, rate increases range from 4.4% to 15.3% with an average increase of 9.3%. A subscriber’s actual rate could be higher or lower depending on the geographic location, age characteristics, dependent coverage and other factors.</strong></p> <p>Financial Experience</p> <p>Community Care Health Plans of Nevada dba Anthem Blue Cross and Blue Shield expects the proposed rate increase will cover projected medical trends and yield a medical loss ratio of 86.5%, meaning more than eighty-six cents of each premium dollar is expected to go to covering our members’ medical expenses and improving health care quality. This projected MLR of 86.5% exceeds the minimum MLR requirement of 80% as defined in the Affordable Care Act (ACA). In the event Community Care Health Plans of Nevada dba Anthem Blue Cross and Blue Shield’s MLR is less than the Federal required minimum for a three year period, Anthem will refund the difference to policyholders, consistent with federal regulations.</p> <p>Drivers of Rate Increase</p> <p>The primary drivers of premium increases are associated with increased cost of benefit expense for this ACA compliant block. Increased cost of benefit expense is driven by increases in the price of services primarily from hospitals, physicians and pharmacies, coupled with members increasing their use of health care services, also called “utilization”.</p> <p>Increases in the price of services are driven by technological advances, new specialty medications, and a variety of other factors. Increased utilization is driven by member level utilization and selection patterns in the Guaranteed Issue, Community Rated ACA market.</p> <p>Efforts to Control Costs</p> <p>Community Care Health Plans of Nevada dba Anthem Blue Cross and Blue Shield is committed to working to hold down the cost of insurance and price the Individual ACA market for long term sustainability. We continue to explore innovative collaboration with providers and negotiate deeper discounts at our hospitals and we provide members with tools to make informed decisions about where and how to receive treatment.</p> </blockquote> <p><strong><span style="background-color:#ffff00">HEALTH PLAN OF NV:</span></strong></p> <blockquote><p>The following memorandum describes the key drivers of the rate changes of individual rates for Health Plan of Nevada, Inc. (“HPN”). HPN policies are individual medical plans offered in Nevada and are fully compliant with the Patient Protection and Affordable Care Act.</p> <p>Scope and Range of the Rate Increase</p> <p><strong>HPN is filing 2027 rates for individual products. The proposed rate change is 21.73% and will affect 44,110 individuals</strong>. The rate changes vary between 10.04% and 37.74%. Given that the rate changes are based on the same single risk pool, the rate changes vary by plan due to plan design changes.</p> <p>Financial Experience of the Product</p> <p>The premium collected in plan year 2025 was $268,263,115. Incurred claims net of reinsurance during this period were $225,391,200.00 and HPN expects payments of $26,510,309 for risk adjustment. The loss ratio, or portion of premium required to pay medical claims, for plan year 2025 is 93.23%.</p> <p>Changes in Medical Service Costs</p> <p>There are many different healthcare cost trends that contribute to increases in the overall U.S. healthcare spending each year. These trend factors affect health insurance premiums, which can mean a premium rate increase to cover costs. Some of the key healthcare cost trends that have affected this year’s rate actions include:</p> <ul> <li>Increasing cost of medical services: Annual increases in reimbursement rates to healthcare providers, such as hospitals, doctors, and pharmaceutical companies.</li> <li>Increased utilization: The number of office visits and other services continues to grow. In addition, total healthcare spending will vary by the intensity of care and use of different types of health services. The price of care can be affected using expensive procedures such as surgery versus simply monitoring or providing medications.</li> <li>Higher costs from deductible leveraging: Healthcare costs continue to rise every year. If deductibles and copayments remain the same, a higher percentage of healthcare costs need to be covered by health insurance premiums each year.</li> <li>Impact of new technology: Improvements to medical technology and clinical practice often result in the use of more expensive services, leading to increased healthcare spending and utilization.</li> <li>Changes in market morbidity: Expanded and enhanced federal premium tax credits for consumers expired at the end of 2025. Premiums reflect the expected increase in average cost per member due to healthier members leaving the market.</li> </ul> <p>Changes in Benefits</p> <p>Changes in benefits impact costs and therefore affect premium changes. Plan benefits are typically changed for one of three reasons: to comply with the requirements of the Affordable Care Act or state law, to respond to consumer feedback, or to address a particular medical cost issue to provide greater long-term affordability of the product.</p> <p>The Affordable Care Act implemented requirements for the “value” that must be offered by plan designs in the Individual and Small Group markets. These are called “metal levels”. For a benefit plan to remain classified within a particular metal level from year to year, adjustments to deductibles, copayments or coinsurance are sometimes required. These adjustments impact the cost and therefore the premium increases for the plan.</p> <p>Administrative Costs and Anticipated Margins</p> <p>HPN works to directly control administrative expenses by adopting better processes and technology and developing programs and innovations that make healthcare more affordable. We have led the marketplace by introducing key innovations that make healthcare services more accessible and affordable for customers, improve the quality and coordination of healthcare services, and help individuals and their physicians make more informed healthcare decisions.</p> <p>Taxes and fees imposed by the state and federal government are significant factors that impact healthcare spending and must be included as additional administrative costs associated with the plans. These fees include Affordable Care Act taxes and fees which impact health insurance costs and need to be reflected in premium. Another component of premium is margin, which is set to address expected volatility and risk in the market. The requested rate change is anticipated to be sufficient to cover the projected benefit and administrative costs for the 2027 plan year.</p> </blockquote> <p><strong><span style="background-color:#ffff00">HMO COLORADO DBA HMO NEVADA:</span></strong></p> <blockquote><p><span style="background-color:#ffff00">The proposed annual rate changes by product in this filing range from XXXXX to XXXXX, with rate changes by plan from XXXXX to XXXXX.</span> These ranges are based on the renewing plans, and are consistent with what is reported in the Unified Rate Review Template. Exhibit A shows the rate change for each plan. The average rate increase is XXXXX. Exhibit A1 shows the walkdown of the major components of the rate change. <span style="background-color:#ffff00">The proposed rate change results in an expected average annual premium of XXXXX PMPM and impacts XXXXX current policyholders and covered lives.</span></p> </blockquote> <p><strong><span style="background-color:#ffff00">(As you can see, HMO Nevada has heavily redacted their actuarial memo, making it impossible to run a fully weighted average)</span></strong></p> <p><strong><span style="background-color:#ffff00">HOMETOWN HEALTH PLAN:</span></strong></p> <blockquote><p><strong>The average rate change from January 1, 2026 to January 1, 2027 is 3.1%. The average change for a given plan ranges from -1.0% to 9.7%. The increase will impact 9,087 individuals</strong>. The primary factors causing a range of rate changes are as follows:</p> <ul> <li>Removal of a 3% load to 2026 rates for all plans that was required by the NV DOI due to a change in the de minimis range after initial rates were filed for the 2026 plan year.</li> <li>The actuarial value of each 2026 plan and the renewing 2027 plan were not equal. The change in the actuarial value was not consistent by plan due to differing benefit changes.</li> <li>Some plans were terminated at the end of 2026 and these plans were mapped to a continuing 2027 plan in the same, or closest, metal level for rate change calculation purposes.</li> <li>The pricing paid to allowed ratios were updated for 2027. Oliver Wyman’s pricing model was calibrated to the 2027 projected Index Rate and enhancements have been made since the 2026 pricing.</li> <li>Differentials in observed costs by rating region were not consistent with those anticipated in the 2025 rates.</li> </ul> <p>Further, the impact of negotiated changes in provider reimbursement differs between rating regions.</p> <p>FINANCIAL EXPERIENCE OF THE PRODUCT</p> <p>Hometown Health Plan Inc.’s individual experience had a risk adjusted loss ratio of 85.3% on $49.9M of premium as shown in the Uniform Rate Review Template for the 2027 plan year filing. This experience reflects 72,175 member months which we do not consider fully credible.</p> <p>CHANGES IN MEDICAL SERVICE COSTS</p> <p>The medical utilization and pharmacy utilization/unit cost annual trend rates were used to project claims from the experience period to the rating period. These values were developed based on an analysis of Hometown’s monthly historical combined individual and small group lines of business allowed claims experience over the time period of January 1, 2023 to December 31, 2025, with runout through March 31, 2026. The experience represents a total of 439,363 member months. The medical unit cost trends were based on an analysis of known and projected provider contract changes between the experience and projection periods. The annual trends (unit cost plus utilization) are estimated to be 7.2% for medical services and 9.1% for pharmacy services.</p> <p>CHANGES IN BENEFITS</p> <p>The proposed plans for these products remained within the same metal tier.</p> <p>ADMINISTRATIVE COST CHANGES</p> <p>Changes in administrative costs were driven by an updated review of the budgeted administrative expenses, commissions, and private reinsurance costs.</p> </blockquote> <p><strong><span style="background-color:#ffff00">HOMETOWN HEALTH PROVIDERS:</span></strong></p> <blockquote><p><strong>The average rate change from January 1, 2026 to January 1, 2027 is 3.9%. The average change for a given plan ranges from 3.1% to 5.3%. The rate change will impact 1,990 individuals</strong>. The primary factors causing a range of rate changes are as follows:</p> <ul> <li>Removal of a 3% load to 2026 rates for all plans that was required by the NV DOI due to a change in the de minimis range after initial rates were filed for the 2026 plan year.</li> <li>The actuarial value of each 2026 plan and the renewing 2027 plan were not equal. The change in the actuarial value was not consistent by plan due to differing benefit changes.</li> <li>Some plans were terminated at the end of 2026 and these plans were mapped to a continuing 2027 plan in the same, or closest, metal level for rate change calculation purposes.</li> <li>The pricing paid to allowed ratios were updated for 2027. Oliver Wyman’s pricing model was calibrated to the 2027 projected Index Rate and enhancements have been made since the 2026 pricing.</li> <li>Differentials in observed costs by rating region were not consistent with those anticipated in the 2026 rates.</li> </ul> <p>Further, the impact of negotiated changes in provider reimbursement differs between rating regions.</p> <p>FINANCIAL EXPERIENCE OF THE PRODUCT</p> <p>Hometown Health Provider Insurance Company’s individual experience had a risk adjusted loss ratio of 88.8% on $16.9M of premium as shown in the Uniform Rate Review Template for the 2027 plan year filing. This experience reflects 16,588 member months, which we do not consider fully credible.</p> <p>CHANGES IN MEDICAL SERVICE COSTS</p> <p>The medical utilization and pharmacy utilization/unit cost annual trend rates were used to project claims from the experience period to the rating period. These values were developed based on an analysis of Hometown’s monthly historical combined individual and small group lines of business allowed claims experience over the time period of January 1, 2023 to December 31, 2025, with runout through March 31, 2026. The experience represents a total of 439,363 member months. The medical unit cost trends were based on an analysis of known and projected provider contract changes between the experience and projection periods. The annual trends (unit cost plus utilization) are estimated to be 7.1% for medical services and 9.1% for pharmacy services.</p> <p>CHANGES IN BENEFITS</p> <p>The proposed plans for this product remained within the same metal tier.</p> <p>ADMINISTRATIVE COST CHANGES</p> <p>Changes in administrative costs were driven by an updated review of the budgeted administrative expenses, commissions, and net private reinsurance costs.</p> </blockquote> <p><strong><span style="background-color:#ffff00">IMPERIAL INSURANCE:</span></strong></p> <blockquote><p>Imperial Insurance Companies, Inc. (Imperial) has submitted its 2027 filing for its Individual HMO product. The weighted average premium increase is 25.52%, with a minimum and maximum increase by plan of 14.38% and 29.28% respectively.</p> <p>Key Drivers for this Filing</p> <p>Experience:</p> <p>Since Imperial had no experience in the experience period, the projected 2027 claims and resulting premiums were developed based on publicly available URRT data from Nevada Individual market carriers was aggregated and thus the manual rate is based on the entire single risk pool for Nevada’s Individual market.</p> <p>Changes in Medical Service costs:</p> <p>A main driver of premium increases includes changes to anticipated medical costs and utilization of services. The assumed trend was 6.9%.</p> <p>Risk Adjustment:</p> <p>Imperial is projecting a risk adjustment payment of $90.00 PMPM on an allowed basis. It is assumed Imperial’s coding practices will lag competitors during the first few years of operation. Imperial’s mission is to support the healthcare needs of all Nevadans and believes the requested increase will help best meet those goals.</p> </blockquote> <p><strong><span style="background-color:#ffff00">(Unfortunately, Imperial doesn't provide their enrollment tally either)</span></strong></p> <p><strong><span style="background-color:#ffff00">MOLINA HEALTHCARE:</span></strong></p> <blockquote><p>Molina Healthcare of Nevada, Inc. is a managed care organization that provides healthcare services for individuals eligible for Medicaid, Medicare, and Marketplace throughout the State of Nevada. Molina is a licensed state health plan managed by its parent corporation, Molina Healthcare, Inc.</p> <p>1. Scope and range of the rate increase: <strong>Molina’s proposed rates represent an average rate increase of 21.9% for the 68 Molina members enrolled in continuing plans effective March 2026</strong>. The proposed rate changes vary by metal tier. Members would receive premium increases of on average 21.9% and the rate increase would range from 15.9% to 22.5% depending on their geographic location, metal tier, and age.</p> <p>2. Financial experience of the product: The financial experience of medical loss ratio was greater than 80% in 2025. Projected claims represent 30.7% of rate increase. The proposed premium rates would yield a medical loss ratio of greater than 80%. The medical loss ratio represents the percentage of every premium dollar that Molina expects to spend on medical expenses and improving health care quality for our members. The projected medical loss ratio is expected to not be credible with membership less than 1,000.</p> <p>3. Changes in Medical Service Costs: Medical inflation related to the utilization and cost of covered services increased claims by 9.2%. Trend is one of the primary contributors to an increase in rates. Changes in provider contracting rates also contribute to the regional rate changes.</p> <p>4. Changes in Benefits: Benefit changes in 2027 do not contribute much to the rate increase.</p> <p>5. Administrative Costs and Anticipated Margins: Total administrative expenses are expected to represent 2.2% of rate increase. The targeted profit margin is 3.0% of premium</p> </blockquote> <p><strong><span style="background-color:#ffff00">ROCKY MOUNTAIN:</span></strong></p> <p><strong><span style="background-color:#ffff00">Again, Rocky Mountain has heavily redacted their actuarial memo.</span></strong></p> <p><strong><span style="background-color:#ffff00">SELECTHEALTH</span></strong>:</p> <blockquote><p><strong>Explanation of the Rate: SelectHealth is offering products in the Individual ACA plan market in 2027. These plans will be available in Clark and Nye counties. The requested rate change will impact approximately 7,773 members and will vary depending on age and plan selection. The 2027 average rate change is an increase of 19.4%</strong> with a minimum rate change of 17.9% and a maximum increase of 19.8%. SelectHealth has a goal of affordability. Our teams, combining provider systems and a health plan, are working together to achieve this objective.</p> <p>Rate levels assume that the federal government will not be funding cost-sharing reduction subsidies. The primary drivers of the rate changes are the cost of medical services, deductible leveraging and new technology in medical services and pharmaceuticals.</p> <p>The projected rates are made up of the following components:</p> <ul> <li>Claims: 80.2%</li> <li>Administrative Costs: 8.2%</li> <li>Federal Taxes and fees: 0.1%</li> <li>State taxes and fees: 6.1%</li> <li>Commissions: 2.4%</li> <li>Contribution to surplus, profit, and risk margin to account for variability of claims: 3.0%</li> </ul> </blockquote> <p><strong><span style="background-color:#ffff00">SIERRA HEALTH &amp; LIFE:</span></strong></p> <blockquote><p>The following memorandum describes the key drivers of the rate changes of individual rates for Sierra Health and Life Ins Company, Inc. (“SHL”). SHL policies are individual medical plans offered in Nevada and are fully compliant with the Patient Protection and Affordable Care Act.</p> <p>Scope and Range of the Rate Increase</p> <p><strong>SHL is filing 2027 rates for individual products. The proposed rate change is 12.99% and will affect 7,328 individuals</strong>. The rate changes vary between 11.16% and 16.03%. Given that the rate changes are based on the same single risk pool, the rate changes vary by plan due to plan design changes.</p> <p>Financial Experience of the Product</p> <p>The premium collected in plan year 2025 was $63,931,165. Incurred claims net of reinsurance during this period were $60,950,541 and SHL expects payments of $531,693 for risk adjustment. The loss ratio, or portion of premium required to pay medical claims, for plan year 2025 is 96.14%.</p> <p>Changes in Medical Service Costs</p> <p>There are many different healthcare cost trends that contribute to increases in the overall U.S. healthcare spending each year. These trend factors affect health insurance premiums, which can mean a premium rate increase to cover costs. Some of the key healthcare cost trends that have affected this year’s rate actions include:</p> <ul> <li>Increasing cost of medical services: Annual increases in reimbursement rates to healthcare providers, such as hospitals, doctors, and pharmaceutical companies.</li> <li>Increased utilization: The number of office visits and other services continues to grow. In addition, total healthcare spending will vary by the intensity of care and use of different types of health services. The price of care can be affected using expensive procedures such as surgery versus simply monitoring or providing medications.</li> <li>Higher costs from deductible leveraging: Healthcare costs continue to rise every year. If deductibles and copayments remain the same, a higher percentage of healthcare costs need to be covered by health insurance premiums each year.</li> <li>Impact of new technology: Improvements to medical technology and clinical practice often result in the use of more expensive services, leading to increased healthcare spending and utilization.</li> <li>Changes in market morbidity: Expanded and enhanced federal premium tax credits for consumers expired at the end of 2025. Premiums reflect the expected increase in average cost per member due to healthier members leaving the market.</li> </ul> <p>Changes in Benefits</p> <p>Changes in benefits impact costs and therefore affect premium changes. Plan benefits are typically changed for one of three reasons: to comply with the requirements of the Affordable Care Act or state law, to respond to consumer feedback, or to address a particular medical cost issue to provide greater long-term affordability of the product.</p> <p>The Affordable Care Act implemented requirements for the “value” that must be offered by plan designs in the Individual and Small Group markets. These are called “metal levels”. For a benefit plan to remain classified within a particular metal level from year to year, adjustments to deductibles, copayments or coinsurance are sometimes required. These adjustments impact the cost and therefore the premium increases for the plan.</p> <p>Administrative Costs and Anticipated Margins</p> <p>SHL works to directly control administrative expenses by adopting better processes and technology and developing programs and innovations that make healthcare more affordable. We have led the marketplace by introducing key innovations that make healthcare services more accessible and affordable for customers, improve the quality and coordination of healthcare services, and help individuals and their physicians make more informed healthcare decisions.</p> <p>Taxes and fees imposed by the state and federal government are significant factors that impact healthcare spending and must be included as additional administrative costs associated with the plans. These fees include Affordable Care Act taxes and fees which impact health insurance costs and need to be reflected in premium. Another component of premium is margin, which is set to address expected volatility and risk in the market. The requested rate change is anticipated to be sufficient to cover the projected benefit and administrative costs for the 2027 plan year.</p> </blockquote> <p><strong><span style="background-color:#ffff00">SILVERSUMMIT HEALTHPLAN:</span></strong></p> <blockquote><p>SilverSummit Healthplan Inc. is filing rates for the individual block of business, effective January 1, 2027. This document is submitted in conjunction with the Part I Unified Rate Review Template and the Part III Actuarial Memorandum.</p> <p>This information is intended for use by the Nevada Division of Insurance, the Center for Consumer Information and Insurance Oversight (CCIIO), and health insurance consumers in Nevada to assist in the review of SilverSummit Healthplan Inc.’s individual rate filing.</p> <p>The results are actuarial projections. Actual experience will differ for a number of reasons, including population changes, claims experience, and random deviations from assumptions. In 2025, earned premium was $563.02 per member per month (PMPM). Incurred claims in 2025 were $481.40, or 85.50% of premium. Netting risk adjustment from the claims results in an estimated loss ratio (incurred claims net of estimated risk adjustment transfers, divided by earned premiums) of 81.76%. We expect unit costs to increase for 2027. Further, we have updated underlying experience for the single risk pool, expected administrative expense, and assumptions for federal risk adjustment. These factors, as well as changes to the assumed morbidity of the single risk pool and medical trend, result in a premium rate increase.</p> <p>Medical trend, or the increase in health care costs over time, is composed of two components: the increase in the unit cost of services and the increase in the utilization of those services. Unit cost increases occur as care providers and their suppliers raise their prices. Utilization increases can occur as people seek more services than before. Additionally, simple services can be replaced with more complex services over time, which is known as service intensity trend. An example of service intensity trend would be the replacement of an X-ray with an MRI scan. Replacing the service with a more intense service causes the total cost of medical services to increase.</p> <p><strong>The proposed rate change of 20.4% applies to approximately 23,813 individuals.</strong> SilverSummit Healthplan Inc.’s projected administrative expenses for 2027 are $92.75 PMPM. Administrative expense does not include $52.65 for taxes and fees. The historical administrative expenses for 2026 were $76.00 PMPM, which excludes taxes and fees. The projected loss ratio is 83.1% which satisfies the federal minimum loss ratio requirement of 80.0%.</p> </blockquote> <p>Assuming my enrollment estimates for HMO Nevada, Imperial Insurance and Rocky Mountain are all reasonably close, the weighted average 2027 rate increase should be <strong><span style="background-color:#ffff00">roughly 17.1% marketwide:</span></strong></p> <p><a class="colorbox colorbox-insert-image" href="/sites/default/files/styles/inline_default/public/nevada_2027_indy_prelim.jpg?itok=KJPjluLQ"><img alt="" class="image-inline-default" src="/sites/default/files/styles/inline_default/public/nevada_2027_indy_prelim.jpg?itok=KJPjluLQ" /> </a></p> <p>As for the Nevada small group market, those carriers are requesting an <strong><span style="background-color:#ffff00">unweighted average increase of 12%:</span></strong></p> <p><a class="colorbox colorbox-insert-image" href="/sites/default/files/styles/inline_default/public/nevada_2027_sm_group_prelim.jpg?itok=dKIq88GD"><img alt="" class="image-inline-default" src="/sites/default/files/styles/inline_default/public/nevada_2027_sm_group_prelim.jpg?itok=dKIq88GD" /> </a></p> <p><strong><span style="background-color:#ffff00">UPDATE 9/17/26:</span></strong> The Nevada Insurance Dept. has <a href=" the final, approved rate filings</a> for the 2027 individual and small group markets. Overall only minor changes but the weighted average actually <strong>increased</strong> slightly, from 17.1% to <strong><span style="background-color:#ffff00">17.2% overall in the individual market</span></strong>, and from 12.0% to <strong><span style="background-color:#ffff00">12.3% for small group plans.</span></strong></p> <p><a class="colorbox colorbox-insert-image" href="/sites/default/files/styles/inline_default/public/nevada_2027_indy_final.jpg?itok=AaiKABVg"><img alt="" class="image-inline-default" src="/sites/default/files/styles/inline_default/public/nevada_2027_indy_final.jpg?itok=AaiKABVg" /> </a> <a class="colorbox colorbox-insert-image" href="/sites/default/files/styles/inline_default/public/nevada_2027_sm_group_final.jpg?itok=JDoYIqoV"> <img alt="" class="image-inline-default" src="/sites/default/files/styles/inline_default/public/nevada_2027_sm_group_final.jpg?itok=JDoYIqoV" /> </a></p> </div></div></div><div class="field field-name-field-tags field-type-taxonomy-term-reference field-label-hidden"><div class="field-items"><div class="field-item even"><a href="/tags/nevada">Nevada</a></div><div class="field-item odd"><a href="/2027-rate-changes">2027 Rate Changes</a></div></div></div><ul class="links inline"><li class="addtoany first last"><span><span class="a2a_kit a2a_target addtoany_list" id="da2a_2"> <a class="a2a_button_bluesky"></a> <a class="a2a_button_mastodon"></a> <a class="a2a_button_facebook"></a> <a class="a2a_button_linkedin"></a> <a class="a2a_button_reddit"></a> <a class="a2a_button_email"></a> <a class="a2a_dd addtoany_share_save" href="; </span> </span></li> </ul> Fri, 18 Sep 2026 00:35:47 +0000 Charles Gaba 9955 at /rate_changes/2027/nv#comments 2027 Rate Changes - Delaware: +16.4% indy market; +18.0% sm. group market (FINAL) /rate_changes/2027/de <span class="submitted-by">Thu, 09/17/2026 - 3:28pm</span><div class="field field-name-field-header-image field-type-image field-label-hidden"><div class="field-items"><div class="field-item even"><img src="/sites/default/files/styles/400x400/public/thumb_delaware_wayne_0.jpg?itok=D5TswSsu" width="300" height="195" alt="" /></div></div></div><div class="field field-name-body field-type-text-with-summary field-label-hidden"><div class="field-items"><div class="field-item even"><p><span style="color:#0000ff"><em><strong>Originally posted 8/20/26</strong></em></span></p> <p>ACA exchange<strong> enrollment has dropped by 18% in Delaware</strong> since <strong>Congressional Republicans allowed the enhanced federal subsidies to expire</strong> at the end of last year.</p> <p>Initial <strong>signups</strong> during Open Enrollment were already down over 15% vs. OEP 2025...and <strong>effectuated enrollment</strong> has continued to slip to the point that it was 18% lower in February 2026 than a year earlier.</p> <p><a class="colorbox colorbox-insert-image" href="/sites/default/files/styles/inline_default/public/delaware_effectuated_month_year_table.jpg?itok=RiJXOnjQ"><img alt="" class="image-inline-default" src="/sites/default/files/styles/inline_default/public/delaware_effectuated_month_year_table.jpg?itok=RiJXOnjQ" /> </a></p> <p>Here's what this looks like visually, with both 2025 and 2019 (the last pre-COVID year, which didn't include the enhanced subsidies) included for comparison:</p> <p><a class="colorbox colorbox-insert-image" href="/sites/default/files/styles/inline_default/public/delaware_effectuated_month_year_graph.jpg?itok=X4M3E3Pb"><img alt="" class="image-inline-default" src="/sites/default/files/styles/inline_default/public/delaware_effectuated_month_year_graph.jpg?itok=X4M3E3Pb" /> </a></p> <p>Looking ahead to 2027, the preliminary rate filings for both the individual and small group markets are now available via the <a href=" Rate Review database:</a></p> <p><strong><span style="background-color:#ffff00">AMERIHEALTH CARITAS VIP NEXT INC:</span></strong></p> <p>Unfortunately, their actuarial summary is not only password-protected from copying &amp; pasting the text (necessitating a screen shot), it also doesn't include the actual number of enrollees as of spring 2026:</p> <blockquote><p><a class="colorbox colorbox-insert-image" href="/sites/default/files/styles/inline_default/public/delaware_amerihealth_actuarial_memo.jpg?itok=MuACQEPu"><img alt="" class="image-inline-default" src="/sites/default/files/styles/inline_default/public/delaware_amerihealth_actuarial_memo.jpg?itok=MuACQEPu" /> </a></p> </blockquote> <p><strong><span style="background-color:#ffff00">HIGHMARK BLUE CROSS BLUE SHIELD OF DE:</span></strong></p> <blockquote><p><strong>Highmark BCBSD Inc. (“Highmark DE”) is requesting an average ACA individual market rate increase of 20.2%, ranging from 17.2% to 23.4%. Products submitted with this filing will have effective dates from January 1, 2027 to December 31, 2027. This rate change is projected to affect 23,790 members.</strong></p> <p>Historical Financial Experience:</p> <p>Highmark DE incurred an underwriting loss in its ACA individual market programs in 2025. This loss is net of the expected risk adjustment and state reinsurance programs.</p> <p>Change in Medical Service Costs:</p> <p>The projected average cost of medical care for the projected population is expected to increase. The increase will emerge in utilization and average cost per service and is spread across all types of services.</p> <p>Change in Benefits and Cost Sharing:</p> <p>Some cost sharing parameters were changed in order to maintain compliance with Federal AV requirements.</p> <p>Administrative Costs and Anticipated Operating Results:</p> <p>The anticipated administrative costs and operating results are not excessive or unreasonable. In accordance with regulations, the projected medical loss ratio is over 80%.</p> </blockquote> <p>Unfortunately, I had to take a guess as to the enrollment for both AmeriHealth Caritas as well as for Celtic (aka Centene) which is <a href=" the Delaware market at the end of this year.</a> Assuming my guesstimates are fairly accurate (around 8,000 for each), the weighted average rate hikes for 2027 across both AmeriHealth and Highmark BCBS should be<strong><span style="background-color:#ffff00"> around 18.6%.</span></strong></p> <p><a class="colorbox colorbox-insert-image" href="/sites/default/files/styles/inline_default/public/delaware_2027_indy_prelim.jpg?itok=PDQYe0ef"><img alt="" class="image-inline-default" src="/sites/default/files/styles/inline_default/public/delaware_2027_indy_prelim.jpg?itok=PDQYe0ef" /> </a></p> <p>As for Delaware's <strong>small group market</strong>, UnitedHealthcare appears to be pulling out of the state, which would leave just a single carrier offering small group coverage: <strong>Highmark BCBS, which is seeking increases of nearly 20% next year:</strong></p> <p><a class="colorbox colorbox-insert-image" href="/sites/default/files/styles/inline_default/public/delaware_2027_sm_group_prelim.jpg?itok=bZ413Qa2"><img alt="" class="image-inline-default" src="/sites/default/files/styles/inline_default/public/del

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