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Category: Business

  • MIL-OSI Russia: Beijing to host international police equipment exhibition

    Translation. Region: Russian Federal

    Source: People’s Republic of China in Russian – People’s Republic of China in Russian –

    Source: People’s Republic of China – State Council News

    BEIJING, May 13 (Xinhua) — The 12th Beijing International Police Equipment Expo will be held from May 14 to 17, showcasing cutting-edge technologies and latest equipment in areas such as next-generation information technology, artificial intelligence and new materials.

    The exhibition will for the first time feature a dedicated intelligent unmanned systems area, showcasing law enforcement technology for use in air, land, water and underwater environments, according to a press conference held by the Ministry of Public Security (MPS) on Monday.

    Also, for the first time, a new stand will be presented with equipment running on the HarmonyOS operating system, developed specifically for the needs of the police.

    According to Yan Fei, an official with the Ministry of Public Security, in the context of rapid technological progress and the growing diversity of social management needs, modern police technology and equipment are conducive to enhancing the operational capabilities of law enforcement agencies and modernizing the work of public security organs.

    “Public security organs are willing to make full use of the exhibition as a platform to strengthen the relationship between police agencies and enterprises, deepen the exchange of experience, and build an effective channel for technological innovation, advanced equipment, and operational capability,” Yan Fei emphasized.

    Organized by the China International Economic Forum, this year’s exhibition is expected to attract Chinese enterprises as well as 30 overseas companies from 11 countries, including the United States and Canada. -0-

    MIL OSI Russia News –

  • MIL-Evening Report: The ‘extroverted’ north and ‘introverted’ south: how climate and culture influence Iranian architecture

    Source: The Conversation (Au and NZ) – By Mahsa Khanpoor Siahdarka, PhD Candidate in Built Environment, RMIT University

    Shutterstock

    The architecture of northern Iran exhibits an extroverted quality. Buildings are designed to let in the sounds of rain, birds and rustling trees, as well as scents of nature.

    Architecture in this region is characterised by open structures, deep eaves, elevated wooden houses and interconnected communal spaces that resemble traditional Japanese and Far Eastern designs.

    The built environment in the south is introverted. Central Iran, particularly cities like Yazd and Isfahan, is characterised by a harsh arid climate, where architecture has evolved to minimise exposure to extreme heat and sunlight.

    The Alborz Mountain range separates the humid subtropical north from the arid south.
    Yarr65/Shutterstock

    Buildings are oriented inward, centred around enclosed courtyards and largely closed off from the street. This prioritises privacy and thermal regulation.

    Throughout the country, the intricate relationship between climate and culture has shaped architectural forms in ways that make it difficult to delineate where one influence ends and the other begins.

    The houses don’t only reflect their environment – they also reflect the role of women in these communities.

    The extroverted north

    The north of Iran, between the the Alborz Mountain range and the Caspian Sea, enjoys a humid subtropical micro-climate with dense forests and abundant greenery.

    The mountains have historically served as both a climatic and cultural barrier, moderating external influences, including Arab conquests. This allowed the region to maintain unique social and architectural characteristics for centuries.

    A traditional wooden house in northern Iran.
    Sama.GH/Shutterstock

    In the north, nature has always been seen more as a friend than a threat.

    The architecture opens itself up with wide verandas, open corridors and spaces that blur the line between inside and out.

    With humid climates and communal living traditions, there are strong architectural similarities between northern Iran and East Asia. Both regions incorporate elevated wooden structures, deep eaves and open layouts to enhance airflow and prevent moisture-related decay.

    The separation of neighbouring households was traditionally achieved through Parchin (natural or woven enclosures), which functioned as permeable boundaries while maintaining visual and social connectivity.
    Mahsa Khanpoor Siahdarka

    The integration of nature into built spaces, seen in Iranian veranda-like ayvans and Japanese engawa, reflects a philosophical alignment that prioritises harmony between architecture and the environment.

    These similarities suggest a convergent evolution. Distinct cultures independently arrived at comparable architectural solutions in response to similar climates and societies.

    The emphasis on community-based living and social interaction also reflects the role of women in agricultural, economic and social activities in northern Iran.

    The openness of homes, markets and farms contributed to women being active participants in public life.

    An alley in the traditional village Masuleh in Gilan province of northern Iran.
    Matyas Rehak/Shutterstock

    In more conservative or arid regions, architectural boundaries enforce stricter gender divisions. But here, the architecture facilitated organic interactions across gender and age groups.

    Northern Iran’s humid climate, abundant rainfall and fertile land allowed for greater agricultural and pastoral productivity. With easier access to food, water and materials, the domestic burden was reduced. This enabled women to participate more actively in public and economic life, including market trade, rice farming and animal husbandry.

    The introverted south

    The harsh desert conditions in southern and central Iran were more like an opposing force or army. The climate was something to defend against, unlike the friendlier climate of the north.

    In response, the architecture became sheltered and self-contained. Architecture in southern and central Iran relies almost entirely on earth-based materials such as mud brick (khesht), adobe and fired brick.

    Building materials are drawn directly from the surrounding soil. The architecture is deeply rooted – both literally and culturally – in its environment.

    The architecture of central Iran, like the city of Yazd, is deeply rooted in its environment.
    Jakob Fischer/Shutterstock

    Domed roofs are not only structurally efficient but also thermally responsive. At any given time, one side of the dome is shaded by its own curve, creating a cooler surface that encourages air movement and passive cooling.

    Houses are centred around courtyards that create microclimates within enclosed spaces (Bagh-e-Khaneh). High walls, minimal external windows and windcatchers (badgirs) regulate airflow while limiting solar radiation.

    The inward-facing design of these buildings historically reinforced social norms that confined women to private domestic spheres, limiting their visibility in urban life.

    The harsh desert climate, combined with cultural norms around modest clothing, often confined women to the interior spaces of the home. Architectural features which were essential for passive cooling and privacy shaped a lifestyle centred around the domestic sphere.

    Houses in central Iran are centred around courtyards that create microclimates within enclosed spaces.
    MehmetO/Shutterstock

    The demanding nature of desert life meant basic tasks like securing water, preserving food and producing textiles required significant domestic labour.

    In many desert cities like Yazd or Kashan, domestic architecture was designed to protect not just from heat, but also from public view. This meant women’s daily lives were largely contained within high-walled courtyards, internal corridors, and roofscapes. Here, women could move freely but invisibly.

    Architecture built gender segregation into the physical fabric of the city, shaping women’s roles, routines and social interactions for generations.

    Climate and culture

    The way climate and culture shape Iranian architecture is complex.

    In both northern and central Iran, buildings adapt to the environment. The humid north features open, outward-facing structures. The arid central regions rely on enclosed courtyards to manage extreme heat.

    However, climate alone does not fully explain these differences.

    Much more of life in central Iran is centred around inside spaces, to protect from the harsh environment.
    muratart/Shutterstock

    Architect Amos Rapoport argues that, while climate sets limits, culture, social structures and history play a bigger role in shaping architecture.

    In Iran, architecture does not just reflect the climate. It also shapes social spaces and gender roles.

    Buildings are more than just shelters. They influence how people live, interact, and define their communities. Understanding this relationship can help us see architecture as an evolving part of society, shaped by both nature and human choices.

    Mahsa Khanpoor Siahdarka does not work for, consult, own shares in or receive funding from any company or organisation that would benefit from this article, and has disclosed no relevant affiliations beyond their academic appointment.

    – ref. The ‘extroverted’ north and ‘introverted’ south: how climate and culture influence Iranian architecture – https://theconversation.com/the-extroverted-north-and-introverted-south-how-climate-and-culture-influence-iranian-architecture-251357

    MIL OSI Analysis – EveningReport.nz –

  • MIL-Evening Report: The dreaded beep test: outdated or still a valid assessment of your fitness?

    Source: The Conversation (Au and NZ) – By Joel Garrett, Lecturer in Exercise Science and Physiology, Griffith University

    For many, the beep test is seared into memory.

    And not just the test itself, but the wave of dread that came before hearing that first beep in school physical education (PE) classes.

    Also known as the 20-metre shuttle run or multistage fitness test, this relentless and escalating series of sprints between two lines has long been a staple of PE classes, sports training and military fitness assessments.

    The test is meant to assess aerobic fitness (generally known as “cardio”) but what does it really measure?

    How did it become so widely used?

    And in an era of smart watches, wearable trackers and lab-based performance testing, does it still stand up?

    Where did the beep test come from?

    The beep test was developed in the early 1980s by Canadian exercise physiologist Luc Léger at the University of Montreal.

    The goal was to provide a progressive, group-based alternative for estimating V02 Max (known colloquially as maximal aerobic fitness) that could be performed in smaller indoor or outdoor spaces and on varying surfaces.

    The simplicity of the test make it ideal for schools, high-performance sports environments and military settings, where time and resources are often limited, which likely resulted in its spread across the globe.

    The test became widely known as the “beep test” due to its defining feature: participants running back and forth in sync with a series of timed audio beeps.

    What does it actually measure?

    The beep test was designed to estimate V02 Max, which is the highest rate the body can take in, transport and use oxygen to produce energy.

    This is considered one of the best indicators of aerobic fitness, because it reflects how efficiently the heart, lungs, blood and muscles work together to sustain endurance performance.

    However, during the beep test, participants accelerate, decelerate, and change direction every 20 metres, so they not only tax their aerobic system but also aspects of their anaerobic system. This is the body’s energy system that provides rapid bursts of energy without using oxygen, primarily fuelling short-duration, high-intensity activities.

    This means the beep test gives more of an indication of aerobic fitness and isn’t quite as accurate as a laboratory-based VO2 Max test.

    However, it is still a good indicator of your overall aerobic fitness.

    What is a good score?

    Beep test scores vary by age, sex and fitness level.

    You might have heard reaching level 21 is a “perfect score”, but this is a myth.

    Ultimately, a “good” score depends on who is being tested.

    For adolescents aged between 12 and 17, a score between stages six and eight is about average, while a score of seven or more for girls, and 10 or more for boys, would put them in the top 10% of the world average.

    Similarly, for healthy adults, scores of between seven and ten are about average, while scores of greater than 11 for women and 13 for men would be considered excellent.

    As you would expect, competitive athletes often get higher scores.

    For example, before it was taken out of AFL the Draft Combine (where potential draftees are put through a series of physical and psychological tests in front of club recruiters), it was common to see aspiring players get scores of 14 or more, with some athletes with elite fitness getting to level 16.

    There are also anecdotal claims of elite endurance athletes getting scores of between 17 and 19 but no formal records exist.

    The beep test is a brutal examination of an athlete’s fitness.

    Is it still best practice?

    The beep test remains widely used due to its simplicity, portability and ease of use.

    It’s still a staple in community sports, school PE programs and military and emergency services around the world.

    However, it’s not without limitations.

    For athletes who compete in intermittent sports like soccer and Australian football, alternatives like the Yo-Yo Intermittent Recovery Test have become more common because they are more specific to those types of sports.

    Likewise, distance-based runs such as the 2km time trial are popular in some fitness and clinical settings because they provide a slightly better estimate of aerobic fitness, because they don’t involve changes of direction.

    Finally, in elite sport and research, more individualised or lab-based protocols, such as VO2 Max tests, are becoming more common because they are extremely accurate and precise.

    But if you are after a simple test that can assess the fitness of large groups, the beep test is still an excellent option.

    Should it be used?

    While the beep test may trigger memories of discomfort and dread, it remains a simple and effective tool for assessing fitness, especially in large group settings.

    Though not without limitations, its accessibility, low cost, and ability to estimate VO2 Max have cemented its place in many different settings for decades.

    As exercise science advances, more specific or sport-relevant tests are increasingly used in elite and clinical settings.

    However, when resources are limited or scalability is needed, the beep test still holds its ground as a practical, time-tested measure of maximal aerobic fitness.

    The authors do not work for, consult, own shares in or receive funding from any company or organisation that would benefit from this article, and have disclosed no relevant affiliations beyond their academic appointment.

    – ref. The dreaded beep test: outdated or still a valid assessment of your fitness? – https://theconversation.com/the-dreaded-beep-test-outdated-or-still-a-valid-assessment-of-your-fitness-255594

    MIL OSI Analysis – EveningReport.nz –

  • MIL-OSI Banking: APEC Human Resources Development Ministers Issue Joint Statement Jeju, Republic of Korea | 13 May 2025 Issued by the 7th APEC Human Resources Development Ministerial Meeting They issued a joint statement under the theme “Sustainable Labour Markets and Jobs for the Future,” reaffirming their commitment to building inclusive, adaptable and resilient labour markets across the Asia-Pacific.

    Source: APEC – Asia Pacific Economic Cooperation

    Ministers responsible for human resources development from APEC’s 21 member economies convened in Jeju for the 7th APEC Human Resources Development Ministerial Meeting (HRDMM). They issued a joint statement under the theme “Sustainable Labour Markets and Jobs for the Future,” reaffirming their commitment to building inclusive, adaptable and resilient labour markets across the Asia-Pacific.

    Ministers acknowledged the need to modernize labour systems to keep pace with transformations driven by artificial intelligence, automation and new forms of work. They agreed to promote adaptable working conditions, strengthen social protections and address structural inequalities and labour market polarization.

    In preparing for future jobs, ministers committed to aligning skills development with industry needs, expanding access to lifelong learning and improving employment services. The joint statement also emphasized support for women, youth, older workers and persons with disabilities to enhance participation across the labour force.

    The ministers also highlighted the need for cooperation in addressing labour market polarization and ensuring that workers are equipped with the skills necessary for emerging industries. The statement aligns with APEC’s broader goals under the Putrajaya Vision 2040 and the Aotearoa Plan of Action.

    Read the Joint Statement of the 7th Human Resources Development Ministerial Meeting, “Sustainable Labour Markets and Jobs for the Future”
    Read the Chair’s Statement on the 7th APEC Human Resources Development Ministerial Meeting APEC Korea 2025

    MIL OSI Global Banks –

  • MIL-OSI China: China-US trade talks offer relief, reassurance to global economy

    Source: People’s Republic of China – State Council News

    A press briefing is held by the Chinese side following the China-U.S. high-level meeting on economic and trade affairs in Geneva, Switzerland, on May 11, 2025. [Photo/Xinhua]

    In the just concluded China-U.S. high-level meeting on economic and trade affairs in Switzerland, China and the United States engaged in candid, in-depth and constructive communication across multiple areas, reaching a series of important consensuses and making substantive progress.

    This marked a crucial step toward resolving differences through equal dialogue and consultation, laying the foundation and creating the conditions for further bridging gaps and deepening cooperation.

    With a combined economic output accounting for over one-third of the global total and a bilateral trade volume representing about one-fifth of global trade, China-U.S. trade ties play a pivotal role in the world economy. Amid a sluggish global recovery and heightened geopolitical tensions, the importance of keeping communication channels open between the two sides is clear. The substantive progress achieved reflect joint efforts to manage differences and find common ground in a complex global environment.

    China has always taken a consistent and constructive approach to its economic relationship with the United States, seeking to bring bilateral ties back to a stable and healthy trajectory through dialogue and consultation. Encouragingly, the United States has shown a willingness to engage in that process.

    But there is no ignoring the damage already done. Over the past month, unilateral tariffs imposed by the United States have taken a significant toll, not only on the Chinese and U.S. economies but also on the global economy. Domestically, U.S. businesses and consumers are paying more, while U.S. inflationary pressure continues to rise.

    The global impact is even more concerning. These tariffs have disrupted the stability of global industrial and supply chains and undermined the rules-based multilateral trading system. International institutions such as the IMF and the World Bank have repeatedly warned that protectionism poses a major threat to the global economic recovery. In this context, the recent round of China-U.S. talks has provided a much-needed signal of stability and certainty.

    The positive outcomes of the latest talks reaffirm that for major countries, equal and constructive dialogue — not confrontation — is the only effective way to address differences. Given the distinct national contexts and priorities, disagreements are to be expected. What matters most is that such differences are managed with mutual respect for each other’s core interests and through sustained dialogue.

    No country will surrender its legitimate development rights to unreasonable demands. It is through equal dialogue and consultation can both sides clearly state their concerns, clarify misunderstandings, and explore the root causes of friction.

    It is in the United States’ own interest to maintain a stable, sustainable and mutually beneficial economic relationship with China. Decades of mutually beneficial cooperation in trade, services and two-way investment have brought concrete gains to businesses and people on both sides. Despite recent tensions, this foundation of shared interests remains strong.

    China has consistently maintained that economic and trade disputes should be addressed through rational and respectful dialogue rather than through pressure or threats. Unilateral coercion does not resolve problems; it only heightens tensions, increases risks and undermines the long-term interests of both sides.

    The convening of the China-U.S. high-level meeting on economic and trade affairs marked a positive step forward in China-U.S. economic and trade relations, helping to lay a foundation for continued dialogue and future negotiations.

    While we are glad to see the resumption of dialogue, we are also fully prepared for the long-term, complex and arduous nature of resolving differences between the two counries.

    The two sides need to maintain the current momentum of dialogue, control differences, accumulate consensus and strengthen trust through equal consultation.

    What is more important, both sides should approach this most consequential bilateral relationship in the world with a longer-term perspective and broader vision, keeping in mind the fundamental well-being of their peoples and the bigger picture of global peace and prosperity.

    Strengthening cooperation on the basis of mutual benefit and managing differences with mutual respect is not only the responsibility of China and the United States, but also the shared expectation of the international community. 

    MIL OSI China News –

  • MIL-OSI China: China pledges concrete measures to prevent illegal outflow of strategic minerals

    Source: People’s Republic of China – State Council News

    China will take practical and effective measures to resolutely prevent the illegal outflow of strategic minerals, the Ministry of Commerce said on Monday.

    Strengthening the export control of strategic mineral resources is crucial to national security and development interests, according to a ministry spokesperson.

    Since China implemented export restrictions on some strategic minerals, it has been found that some foreign entities have colluded with illegal domestic individuals, attempting to evade export control measures through smuggling and other means, the spokesperson noted.

    To curb the smuggling of these strategic resources, China has launched a campaign to crack down on illegal and non-compliant activities such as false declaration, concealment, and transshipment through third countries, the spokesperson said.

    China has also intensified customs inspections and efforts to combat and investigate such activities, thoroughly uncovering the illegal entities and smuggling networks behind them, in a bid to effectively safeguard national security and development interests, according to the spokesperson.

    More actions will also be initiated to crack down on illegal activities in the near future, the spokesperson added.

    On Monday, China also convened a meeting in Changsha, capital of central Hunan Province, to strengthen “full-chain control over strategic mineral exports.”

    Participants included officials from several central government departments and strategic mineral-rich provincial-level regions.

    During the meeting, it was emphasized that all departments and localities should closely track the flow of strategic minerals, strengthen information analysis and sharing, and promptly issue warnings and take relevant measures to prevent the illegal outflow of strategic minerals.

    MIL OSI China News –

  • MIL-OSI USA: Ernst, Grassley Refer ATF Bureaucrats Who Defrauded Taxpayers for Prosecution

    US Senate News:

    Source: United States Senator Joni Ernst (R-IA)

    RED OAK, Iowa – U.S. Senator Joni Ernst (R-Iowa), Chair of the Senate Small Business Committee, today announced her Small Business of the Week: Timber City Chiropractic of Jackson County. Throughout the 119th Congress, Chair Ernst plans to recognize a small business in every one of Iowa’s 99 counties.
    “For over 20 years, Timber City Chiropractic has cracked the code to treat acute and chronic discomfort across eastern Iowa,” said Chair Ernst. “From serving in the military to now providing care for veterans, Dr. Don Schwenker is committed to giving back to the Maquoketa community alongside his wife, Colleen.”
    Dr. Don Schwenker, a Maquoketa native, served active duty in the Air Force for eight years and then joined the Air National Guard. He also studied at the Palmer College of Chiropractic. In December 2003, Don and his wife, Colleen, opened Timber City Chiropractic after recognizing the need for a family chiropractor in their hometown, Maquoketa. Timber City Chiropractic offers a full range of chiropractic and acupuncture services, as well as cellular detoxification and hydrotherapy. Additionally, the business is an associated provider for the VA, providing care to veterans across eastern Iowa. Later this year, Timber City Chiropractic will celebrate its 22nd anniversary.
    Stay tuned as Chair Ernst recognizes more Iowa small businesses across the state with her Small Business of the Week award.

    MIL OSI USA News –

  • MIL-OSI USA: New Hampshire Congressional Delegation Celebrates Small Business Owners and Entrepreneurs at Small Business Administration’s Annual Awards

    US Senate News:

    Source: United States Senator for New Hampshire Jeanne Shaheen
    **Annual National Small Business Week awards recognize achievements and contributions of SBA-assisted individuals and businesses**
    (Manchester, NH) – U.S. Senators Jeanne Shaheen (D-NH) and Maggie Hassan (D-NH), along with U.S. Representatives Chris Pappas (NH-01) and Maggie Goodlander (NH-02), today celebrated Granite State small business owners and entrepreneurs at the Small Business Administration’s (SBA) annual National Small Business Week awards at the Manchester Historic Association’s Millyard Museum. The annual awards recognize the outstanding achievements and contributions of individuals and businesses that have been supported by the SBA. Click here to view photos from the event. 
    “I was glad to attend today’s ceremony to celebrate the extraordinary Granite State small businesses being recognized. At the same time, I’m very concerned by the Trump administration’s proposed budget which would eliminate so many of the programs that support these businesses dealing with tariffs and economic uncertainty,” said Senator Shaheen, a member of the U.S. Senate Committee on Small Business and Entrepreneurship. “We need to protect and fund SBA’s entrepreneurial development programs so that we can keep all of our small businesses robust in the state and ensure that we continue to grow and provide good jobs for the workers of New Hampshire.” 
    “I was grateful to join small business owners from across our state this morning to celebrate the incredible contribution that small businesses make to our communities,” said Senator Hassan. “As small businesses face rising costs and the chaos and uncertainty of ongoing tariffs, I will continue to work to support the SBA and its efforts to lower costs for New Hampshire small businesses. I applaud today’s award winners and am grateful for all of the small business owners who choose to work in New Hampshire and call our state home.” 
    “I want to share my heartfelt congratulations with this year’s award winners and honorees,” said Congressman Chris Pappas. “Small businesses are the backbone of our state’s economy, but they’re more than that. They make up the fabric of our state and the character of our communities. I know how challenging things can be, even in the best of times, and I will always do everything I can to support our small businesses and create an economic environment that will help our businesses grow and cut costs.” 
    “New Hampshire small businesses are the backbone of our communities and our economy,” said Congresswoman Goodlander, a member of the House Committee on Small Business. “This morning in Manchester, it was an honor to join the Small Business Awards Ceremony to celebrate the achievements, resilience, and innovation of incredible entrepreneurs across our state. I am proud to advocate for New Hampshire’s small businesses in Congress and to bring their voices to the Small Business Committee.” 
    The Granite State recipients of the 2025 Small Business Awards include: 
    New Hampshire Small Business Person of the Year: Dr. Tanya Lawson, Inbloom Health + Medispa, Londonderry 
    Veteran-Owned Small Business of the Year: Russ Collins, Home Innovations Corp., Derry 
    Woman-Owned Small Business of the Year:  Karen Jenovese, Swim NH LLC , Concord 
    Financial Services Champion of the Year for NH and NE: Rick Dassatti, SCORE Granite Region, Manchester 
    Small Business Manufacturer of the Year: Josh Velasquez, Shire’s Naturals, Peterborough  
    Home-Based Business of the Year: Hailee Grisham Hampton, Hurry Slow Hat Co., Littleton 
    Young Entrepreneur: Sabrina MacDowell, Pampered Pup LLC, Candia 
    Micro-Enterprise: Bret Lincoln, Lincoln Fencing, Epping 
    Senator Shaheen is helping lead efforts in Congress to mitigate the harmful impacts of President Trump’s policies on small businesses and consumers. Just before President Trump took office, Shaheen introduced the Protecting Americans from Tax Hikes on Imported Goods Act which would limit the president’s ability to leverage sweeping tariffs that increase costs for consumers and families. In recent months, Shaheen has traveled across the Granite State to visit businesses including Chatila’s Bakery, C&J, DCI Furniture, Mount Cabot Maple, American Calan Inc. and NH Ball Bearings to hear directly from Granite Staters impacted by the administration’s trade war. 

    MIL OSI USA News –

  • MIL-OSI Russia: Greater Bay Area Plus ASEAN: Hong Kong Explores New Development Space

    Translation. Region: Russian Federal

    Source: People’s Republic of China in Russian – People’s Republic of China in Russian –

    Source: People’s Republic of China – State Council News

    “Hong Kong and ASEAN countries have strong economic and trade relations, and the Chinese community in Southeast Asia is closely connected with the Greater Bay Area.” Cai Guansheng, a member of the Standing Committee of the CPPCC National Committee and Chairman of the China Chamber of Commerce and Industry in Hong Kong, described Hong Kong’s unique position as follows: “The left hand is the Greater Bay Area, the right hand is ASEAN.” He added: “Companies from other cities in the Greater Bay Area can team up with Hong Kong entrepreneurs and enter the global market together.”

    Since early April, the US has been wielding its tariff baton without authorization, and Hong Kong, a free port, has been subjected to groundless attacks. In the past few years, Hong Kong has been actively integrating into China’s national development strategy by participating in the construction of the Guangdong-Hong Kong-Macao Greater Bay Area; on the other hand, it has been strengthening trade and economic ties with overseas markets, including ASEAN countries, using its unique advantages to overcome the crisis and explore new opportunities for growth.

    Building the Guangdong-Hong Kong-Macao Greater Bay Area is Hong Kong’s Major Opportunity

    Against the backdrop of the US tariff abuse, Hong Kong SAR Chief Executive Li Jiachao stressed that the Guangdong-Hong Kong-Macao Greater Bay Area has a population of about 87 million and a regional GDP of over 14 trillion yuan. “The state is the greatest opportunity and the greatest certainty for Hong Kong,” he said.

    HKSAR Secretary-General Chen Guoji added that the Hong Kong government actively supports local companies and talents to tap into the boundless business opportunities in the Greater Bay Area, and encourages Guangdong enterprises to leverage Hong Kong’s comprehensive advantages and professional services to accelerate their entry into the global market.

    Expanding Trade Share with ASEAN: Finding New Partners and Markets

    In addition to actively integrating into the Greater Bay Area, Hong Kong is actively exploring the ASEAN market, taking advantage of the “one country, two systems” system, free and open economy, and advantageous geographical location. All this allows it to play an important role in rebuilding global supply chains. Hong Kong and ASEAN countries have broad cooperation opportunities and common interests,” Li Jiachao said.

    According to data released by the HKSAR government, ASEAN countries’ share of Hong Kong’s market has grown from 7.4% in 2018 to 8.7% in 2024, second only to China’s hinterland. Since 2019, ASEAN has overtaken the United States to become Hong Kong’s second-largest export market.

    Accelerated adoption of various measures and expansion of development prospects

    In addition to strengthening trade ties with China’s hinterland and ASEAN countries, Hong Kong has taken a range of measures, including firmly adhering to free trade policies, promoting industrial transformation and upgrading, actively pursuing scientific and technological innovation, and advancing international financial cooperation.

    Hong Kong SAR Financial Secretary Chen Maobo recently said that many multinational enterprises are investing in Hong Kong, viewing it as a bridge between China’s hinterland and the world. Hong Kong has always adhered to the rule of law, an internationalized and friendly business environment, an inclusive culture, and provides access to the world’s most dynamic consumer and innovation market – China’s hinterland.

    MIL OSI Russia News –

  • MIL-OSI: Best Bad Credit Loan Providers with Guaranteed Approval & No Credit Check Required

    Source: GlobeNewswire (MIL-OSI)

    Charleston, May 12, 2025 (GLOBE NEWSWIRE) —

    In This Article, You’ll Discover:

    • How to find the best bad credit loan providers with guaranteed approval and no credit check required in 2025
    • Why MoneyMutual stands out as a leading online loan marketplace for emergency borrowing
    • What specific features make a no credit check loan safe, fast, and accessible
    • The exact steps to apply for a bad credit personal loan using MoneyMutual’s three-step system
    • Real-world borrower scenarios that highlight how these loans solve urgent financial challenges
    • A detailed comparison of MoneyMutual vs. other major providers in the bad credit loan space
    • Legal risks, APR concerns, and repayment ethics every borrower should know
    • Disclaimers, pricing caveats, and security policies to ensure readers make informed financial choices

    TL;DR: Best Bad Credit Loan Providers with Guaranteed Approval & No Credit Check Required

    For borrowers with poor or no credit history, accessing traditional financing can feel impossible. This article explores the top options for bad credit loans with guaranteed approval and no credit check required, focusing on MoneyMutual as a trusted and fast-access loan matching platform.

    The content explains how MoneyMutual connects users with a broad network of third-party lenders offering emergency loans, short-term funding, and installment loans for bad credit, all through a simple, secure application. It also compares MoneyMutual with other major platforms, outlines borrower risks, and includes legal disclaimers to ensure ethical borrowing.

    If you’re seeking fast, discreet, and flexible financing, especially when time and credit are working against you, this article breaks down everything you need to know.

    Introduction

    Why Getting a Loan with Bad Credit Feels Impossible

    For millions of Americans, trying to get approved for a loan with bad credit feels like hitting a brick wall. Whether it’s due to unexpected medical bills, a layoff, or an emergency expense that spiraled into debt, many people are locked out of traditional financial options. Banks often demand high credit scores, extensive paperwork, and collateral—leaving those with less-than-perfect histories out in the cold.

    That’s where specialized bad credit loan providers with guaranteed approval and no credit check required step in to meet real-world needs. These platforms have grown in popularity by offering flexible lending solutions, fast approvals, and fewer barriers to access.

    The Rise of Fintech Loan Marketplaces

    Modern digital platforms have revolutionized how consumers access credit. Platforms like MoneyMutual now make it possible for borrowers to connect with a wide network of short-term lenders in a matter of minutes—all without requiring a traditional credit score. With the rise of AI-powered lender matching, soft credit checks, and same-day funding, borrowers now have more control over how and when they get the money they need.

    Unlike legacy banks, these platforms focus on what matters most: speed, privacy, and approval—even if your credit score is low or non-existent. This makes them a go-to solution for people looking for emergency loans, cash advances, and installment loans for bad credit.

    Understanding the Real Pain Points of Borrowers

    The Financial Fallout of Poor Credit

    A bad credit score doesn’t just limit your borrowing power—it alters your entire financial trajectory. For many, it starts with a single unexpected event: a job loss, a medical emergency, or a missed credit card payment. Over time, these moments accumulate, pulling credit scores down and increasing the cost of living. With each drop in score, doors begin to close: housing becomes harder to secure, traditional bank loans become off-limits, and even getting a phone contract becomes a challenge.

    Borrowers facing poor credit often report feeling ashamed, anxious, or judged by traditional institutions. The systems in place weren’t designed with flexibility in mind. Banks and credit unions rely on rigid FICO models and automated rejection tools that fail to account for personal stories or financial recovery efforts.

    This leaves many with a dangerous lack of options when a financial emergency arises.

    The Emotional Toll of Financial Exclusion

    Financial hardship doesn’t just hurt your bank account—it impacts your mental health, relationships, and career. Studies have shown that those living paycheck to paycheck are more likely to suffer from anxiety and depression. Being denied repeatedly—whether it’s for a loan, a car lease, or even a small overdraft—creates a cycle of despair that can feel impossible to escape.

    Consumers often ask:

    • “Where can I get a loan if no one checks my credit?”
    • “Is there a fast way to get cash without being humiliated by my score?”
    • “Are there emergency loans for bad credit that actually approve people like me?”

    These are real questions from real people who need help—not judgment.

    Hidden Fees and Predatory Alternatives

    Unfortunately, those with bad credit are frequent targets of predatory lending schemes. Some payday loan storefronts and online scams promise instant cash but hide crippling interest rates in the fine print. Others demand upfront “processing fees” before vanishing entirely. This makes trust and transparency absolutely essential when searching for personal loans with no credit check or guaranteed approval loans.

    Reputable lending platforms like MoneyMutual aim to address these dangers by offering a free-to-use portal that matches users with trusted lenders—without hidden fees or obligations.

    Disclaimer: Loan approval is not guaranteed, and actual terms will vary by lender. Always read lender terms carefully before accepting a loan offer.

    When Life Doesn’t Wait: Real-Life Loan Triggers

    To better understand the needs of borrowers with bad credit, let’s explore some of the most common reasons people seek fast funding:

    • Medical Emergencies: Uninsured ER visits, prescriptions, or urgent procedures
    • Auto Repairs: Getting to work depends on fixing your vehicle
    • Rent and Utilities: Avoiding eviction or late fees in a cash-flow crunch
    • Family Crises: Funeral travel, helping relatives, or covering school costs
    • Unexpected Layoffs: Income gaps that savings can’t cover

    In these moments, people don’t have time for weeks of paperwork or judgment. They need quick loans for bad credit that offer same-day funding with minimal friction.

    Why Borrowers Turn to No Credit Check Loans

    Here’s why no credit check loans have become increasingly popular in 2025:

    • Speed: Applications take minutes. Some lenders fund within 24 hours.
    • Accessibility: Most require only basic information—no hard credit inquiry.
    • Discretion: Online applications avoid the embarrassment of in-person denials.
    • Control: Borrowers can choose from offers that fit their needs without obligation.

    This approach aligns with the growing demand for digital lending networks that respect borrowers’ time, privacy, and dignity.

    Bad credit? No problem. Apply now through MoneyMutual and get matched with lenders in minutes—no fees, no pressure, and no credit check required.

    How MoneyMutual Solves These Problems

    A Fast, Free, and Inclusive Loan Marketplace

    MoneyMutual was built with one mission in mind: to help people access short-term financial support when traditional lending systems fail them. With over 2 million users served and a trusted reputation in the bad credit loan space, it’s become one of the most popular online loan marketplaces in the United States.

    Unlike direct lenders that issue loans themselves, MoneyMutual acts as a secure digital bridge between borrowers and a network of vetted lenders. Their model is streamlined, transparent, and free to use.

    There are no hidden fees for submitting your information, and you are under no obligation to accept any loan offer presented through the platform.

    Disclaimer: MoneyMutual is not a lender and does not make credit decisions. Loan approval and terms are determined by individual lenders based on their own policies.

    Three Simple Steps to Getting Matched

    Here’s how the process works:

    Step 1: Submit Your Request

    You fill out a short form that includes basic information such as your name, address, source of income, and desired loan amount. No hard credit check is performed at this stage, so your credit score is unaffected.

    Step 2: Get Matched with Lenders

    MoneyMutual’s AI-powered loan-matching system searches through its network of lenders to find those most likely to approve your request. This process happens in real time, saving hours—or even days—compared to manually applying to multiple lenders.

    Step 3: Review and Accept an Offer

    If you’re matched, you’ll be redirected to the lender’s website to review the terms. You can then choose whether to accept the loan offer. Funds may be available as soon as the next business day if approved.

    This same-day funding capability is especially valuable for people facing urgent expenses like rent, medical bills, or car repairs.

    What Sets MoneyMutual Apart?

    Compared to other options in the bad credit loan marketplace, MoneyMutual excels in several critical areas:

    • No Upfront Fees: There is no cost to use the platform to connect with lenders.
    • Soft Credit Inquiries Only: The platform itself does not conduct a hard credit check.
    • 24-Hour Turnaround: Many lenders offer next-day funding.
    • Wide Network: Dozens of lenders available, increasing your chances of approval.
    • User Privacy: All information submitted is encrypted and handled securely.

    These strengths make it one of the best loan platforms for bad credit borrowers who need quick cash loans without jumping through bureaucratic hoops.

    Disclaimer: Loan amounts, interest rates, repayment schedules, and funding speeds may vary by lender. Always verify these details on the lender’s official website before proceeding.

    Target Borrower Profile

    MoneyMutual focuses on accessibility for a broad range of borrowers, including:

    • Individuals with credit scores below 600
    • People with no credit history at all
    • Self-employed individuals or gig workers
    • Borrowers who have been denied by banks or credit unions
    • Anyone who earns at least $800/month in verifiable income and is 18 years or older

    By catering to underserved demographics, MoneyMutual fills a critical gap in the lending space. Its process aligns with modern expectations for digital lending platforms—efficiency, transparency, and user control.

    No Strings Attached

    Just as important as what MoneyMutual offers is what it doesn’t. There’s no pressure to accept a loan if you’re not satisfied with the terms, and you’re free to walk away at any point. This is essential in a market where predatory lending is still common.

    MoneyMutual’s business model depends on satisfied users and trusted partners, which encourages them to maintain high transparency and ethical standards.

    Need cash fast but your credit score is low? Get started with MoneyMutual—free to use, no hard credit check, and funds may arrive in 24 hours!

    Core Features That Make MoneyMutual a Standout Choice

    Built for Speed, Security, and Simplicity

    When comparing online loan services, not all platforms are created equal. Some overpromise and underdeliver, while others bury high fees in the fine print. MoneyMutual distinguishes itself by offering a fast, secure, and transparent way to access short-term loans—even for those with poor or limited credit histories.

    Let’s break down the standout features that make MoneyMutual a preferred platform for millions of users seeking bad credit loans with guaranteed approval and no credit check required.

    No Upfront Fees, Ever

    One of the most reassuring aspects of MoneyMutual is that it’s completely free to use. You won’t be charged to fill out the form, get matched with lenders, or review loan offers. This eliminates the common red flag of “processing fees” or “application charges” that some predatory services use to exploit vulnerable borrowers.

    Instead, MoneyMutual earns compensation from participating lenders after a successful match—never from the consumer.

    Soft Credit Pulls Only

    A hard credit inquiry can lower your credit score, especially if you’re already on shaky ground. MoneyMutual protects users by limiting itself to soft credit checks when determining lender matches. This means you can explore your options without damaging your score—a critical advantage for borrowers actively working to rebuild their financial standing.

    Once you’re matched with a lender, that lender may conduct a hard pull before finalizing a loan. However, you’ll be notified of this step and can choose whether to proceed.

    Disclaimer: While MoneyMutual does not perform hard credit checks, individual lenders may do so if you move forward with a loan offer.

    Wide Network of Vetted Lenders

    Rather than relying on a single lending institution, MoneyMutual connects you to a broad network of third-party lenders. This increases your chances of approval and lets you compare multiple offers, interest rates, and repayment plans—all in one place.

    The platform is especially useful for those searching for:

    • Installment loans for bad credit
    • Emergency cash loans
    • No credit check personal loans
    • Short-term financial bridge funding

    This variety empowers users to make informed decisions rather than settling for the first available offer.

    Same-Day or Next-Day Funding Potential

    In emergency situations, speed is everything. With many lenders in MoneyMutual’s network, funds can be deposited in as little as 24 hours following loan approval. For urgent needs like rent payments, medical bills, or auto repairs, this can make all the difference.

    Just be aware that timing varies by lender, banking hours, and the time of day your application is processed.

    Disclaimer on Funding Timeframes: Next-day funding is typical but not guaranteed. Funding schedules depend on individual lender policies and bank processing times.

    High Standards for Privacy and Security

    Data security is non-negotiable in the digital age, especially when sharing sensitive financial information. MoneyMutual uses 256-bit encryption and strict internal protocols to ensure your data is protected from unauthorized access.

    Borrowers can feel confident that their information will not be misused or sold to unrelated third parties.

    Easy-to-Meet Eligibility Requirements

    You don’t need perfect credit, a high income, or collateral to qualify for matches. The basic requirements include:

    • Be at least 18 years old
    • Provide proof of $800/month income or more
    • Have a checking account in your name
    • Be a U.S. resident

    These accessible standards make it easier for individuals who are self-employed, freelancers, or rebuilding their financial lives to get approved.

    Don’t let bad credit hold you back. Use MoneyMutual to request up to $5,000 online—get matched with lenders who say YES without the hassle.

    Step-by-Step Application Walkthrough

    A Simple, Guided Process with No Confusing Paperwork

    One of the most appealing aspects of using MoneyMutual is how quick and straightforward the application process is. Unlike traditional banks that require long forms, in-person visits, or excessive documentation, MoneyMutual streamlines the journey into three efficient steps designed to connect borrowers with lenders in minutes—not days.

    Below is a full breakdown of what to expect when using the platform to apply for bad credit loans online with no credit check required.

    Step 1: Submit Your Basic Information

    Start by visiting the official MoneyMutual website and clicking on the “Get Started” button. You’ll be prompted to fill out a form requesting basic personal and financial details, including:

    • Full legal name
    • Email address and phone number
    • Date of birth (must be at least 18)
    • Estimated monthly income (minimum $800/month)
    • Employment status
    • Bank account information (to receive funds)

    No documents need to be uploaded at this stage, and you won’t need to provide a credit score.

    Important Note: MoneyMutual does not perform a hard credit check during this process. Submitting your information will not impact your credit score.

    Step 2: Get Matched with Lenders

    Once your form is submitted, MoneyMutual runs your details through its AI-powered matching algorithm to identify lenders that fit your profile. The matching system evaluates key factors such as income, employment status, and loan amount request to determine eligibility across the platform’s lender network.

    Within moments, you may be redirected to one or more offers from third-party lenders. You’ll be able to review each offer in full detail—including repayment terms, loan amount, interest rates, and fees.

    This stage is risk-free and comes with no obligation.

    Disclaimer: Not all applicants will receive a loan offer. Availability depends on the accuracy of the information submitted and individual lender criteria.

    Step 3: Choose an Offer and Finalize the Loan

    If you see an offer you like, click to proceed to the lender’s official site. Here, you may be asked to verify a few additional details or consent to a soft or hard credit inquiry depending on the lender’s policy.

    Once approved, you’ll receive a loan agreement that outlines all terms and repayment details. Be sure to review the following carefully:

    • Annual Percentage Rate (APR)
    • Loan term (in days, weeks, or months)
    • Payment schedule and amounts
    • Any applicable fees or penalties

    If you accept, your funds may be deposited as soon as the next business day.

    Disclaimer on Pricing and Terms: Always confirm the final loan offer on the official lender website, as rates, fees, and conditions vary. Pricing is subject to change at any time and may differ based on your location and lender’s terms.

    Stuck with poor credit and urgent bills? Get your loan request in now through MoneyMutual—fast, secure, and no obligation to accept.

    Comparing MoneyMutual to Other Top Providers

    A Crowded Market — But One Clear Leader

    With the growing demand for bad credit loans with guaranteed approval and no credit check required, a wide range of platforms have entered the market claiming to offer quick cash with minimal requirements. However, while the offers may sound similar, not all services deliver on their promises.

    MoneyMutual has emerged as a standout option in this increasingly competitive space due to its consistent performance, user-friendly experience, and borrower-first model. To help you understand why it ranks so highly, let’s compare it to other leading platforms in the market: BadCreditLoans.com, CashUSA, and PersonalLoans.com.

    How MoneyMutual Measures Up

    Unlike other platforms, MoneyMutual does not perform a hard credit check during the matching process. That means borrowers can explore options with confidence, knowing their credit score won’t be negatively impacted. Competing platforms like BadCreditLoans.com and CashUSA often work with lenders that require at least a soft or even hard inquiry before extending an offer, which can be a deterrent for borrowers already dealing with poor credit.

    When it comes to income requirements, MoneyMutual is more accessible. Users need only verify a monthly income of $800 to get started, while other platforms often require $1,000 or more in consistent income. This difference can make or break someone’s ability to qualify when dealing with gig work, part-time jobs, or fluctuating freelance income.

    Speed of funding is another area where MoneyMutual excels. Borrowers frequently report receiving funds within 24 hours of accepting a loan offer. Competing services may require 1 to 3 business days to finalize the funding process, depending on lender policies and banking hours.

    Loan amount ranges are competitive across all platforms. While some providers like PersonalLoans.com may offer higher caps—up to $35,000—they also cater more toward individuals with fair to good credit and require more extensive paperwork. In contrast, MoneyMutual focuses on short-term emergency loans ranging from $200 to $5,000+, often with fewer barriers to approval.

    The overall application experience is smoother with MoneyMutual. It takes less than five minutes to fill out the form, while competitors often have longer applications that may require supporting documents or multiple stages of verification.

    Why MoneyMutual Is Still the Top Choice

    MoneyMutual leads the pack by offering:

    • No application fees
    • Soft credit pull only
    • Fast approvals and funding—often within 24 hours
    • Lower income threshold for eligibility
    • A seamless, under-five-minute application

    These features make it one of the best platforms for no credit check loans and emergency cash solutions in 2025.

    Disclaimer: Approval criteria, loan terms, interest rates, and funding speeds vary by lender. Always verify loan details directly with the lender before accepting any offer.

    Where Other Platforms Compete

    It’s worth noting that platforms like PersonalLoans.com may be better suited for individuals seeking larger amounts or more structured installment loan options. CashUSA and BadCreditLoans.com also offer debt consolidation loans and longer-term repayment plans, which could be helpful for some borrowers with slightly better credit standing.

    However, for fast, short-term relief with minimal requirements, MoneyMutual continues to be a top-ranked option, especially for borrowers who prioritize ease of use, speed, and accessibility over loan size or long-term structuring.

    Get the cash you need—without the judgment. Apply with MoneyMutual in under 5 minutes and see your matched offers instantly!

    Real-World Case Studies & Testimonials

    Real Borrowers. Real Situations. Real Solutions.

    Behind every loan application is a personal story. When facing financial hardship, what borrowers often need most—aside from funds—is a service they can trust. While MoneyMutual doesn’t publicly list individual reviews on its site, many borrowers have shared their experiences across third-party platforms and forums. These narratives help illustrate how no credit check loans with guaranteed approval can make a difference in real-life situations.

    Here are three fictionalized, yet representative, borrower profiles that reflect the kind of users turning to MoneyMutual in times of need.

    Case Study 1: Emergency Car Repair for a Delivery Driver

    Name: Angela R.

    Location: Columbus, OH

    Situation: Angela works for multiple food delivery apps to support her household. When her car’s transmission failed unexpectedly, she faced several days of missed income. Traditional lenders declined her due to a credit score below 580.

    Solution: Angela found MoneyMutual and submitted a request during her lunch break. She was matched with a lender offering a $1,100 short-term loan and approved without a hard credit inquiry. The funds were deposited the next day, allowing her to pay for the repair and return to work.

    “I didn’t have time to wait around. I needed the money fast and didn’t want to explain my credit score to a bank. This platform came through.”

    Case Study 2: Keeping the Lights On After a Layoff

    Name: Marcus T.

    Location: Fresno, CA

    Situation: After being laid off unexpectedly, Marcus faced immediate pressure to cover rent and utility bills. He had no savings, and unemployment benefits hadn’t yet kicked in. With past medical debt lowering his credit, his bank declined his personal loan application.

    Solution: Marcus used MoneyMutual to submit a quick loan request. Within 10 minutes, he received an offer from a lender who was willing to fund $950 with weekly installments. The money helped him avoid service disconnection and late rent fees.

    “MoneyMutual gave me options when I felt like I had none. It didn’t fix everything—but it bought me time, and that meant everything.”

    Case Study 3: Medical Bills Without Insurance

    Name: Sierra H.

    Location: Jacksonville, FL

    Situation: Sierra had an emergency dental issue and no insurance coverage. The out-of-pocket cost for the procedure was over $800, and she needed to secure funds quickly to proceed with treatment.

    Solution: Through MoneyMutual’s platform, she found a lender that offered a $1,000 loan with bi-weekly repayment terms. She accepted the offer and was able to pay for the procedure without delaying care.

    Disclaimer: Loan terms, rates, and approval are determined by individual lenders. These case studies are illustrative examples based on common borrower use cases and do not guarantee outcomes.

    Key Takeaways from Borrower Experiences

    Across all three cases, borrowers turned to MoneyMutual because they:

    • Needed fast funding without delays
    • Had low credit scores or no credit history
    • Wanted a discreet and simple online experience
    • Valued the ability to review loan terms before committing

    These experiences reflect the growing demand for emergency loans for bad credit, where speed, trust, and flexibility matter more than anything else.

    Facing rent, repairs, or bills? Submit your free loan request with MoneyMutual today—no upfront fees, no hard credit pulls, just fast matches.

    Business and Purchasing Details

    MoneyMutual Is a Connector, Not a Lender

    One of the most important things to understand when using MoneyMutual is that it is not a direct lender. Instead, it functions as a free-to-use loan matching service that connects borrowers with a network of third-party lenders. You won’t receive a loan directly from MoneyMutual, but the platform plays a key role in speeding up the process of finding legitimate offers from trusted providers.

    This structure gives borrowers a wider range of choices while reducing the time and effort it would normally take to apply with multiple lenders individually.

    Disclaimer: MoneyMutual does not guarantee loan approval, set interest rates, or manage repayment terms. All financial agreements are between the borrower and the third-party lender.

    How MoneyMutual Makes Money

    MoneyMutual does not charge consumers to submit loan requests or receive matches. Instead, it earns a referral fee from lenders in its network when a user accepts a loan offer. This business model allows the platform to remain 100% free for borrowers, with no hidden fees or obligations.

    This also incentivizes MoneyMutual to maintain a trusted and reputable lender network—as both borrower satisfaction and lender success directly affect their platform’s performance.

    Loan Offer Terms and Structure

    After submitting your information, you may be matched with lenders offering:

    • Loan amounts typically ranging from $200 to $5,000+
    • Short-term repayment plans (sometimes from 2 weeks to a few months)
    • Interest rates that vary significantly based on state regulations, lender criteria, and your financial profile

    Because these are third-party offers, each loan will come with its own set of terms and conditions. Before accepting, be sure to read:

    • APR and total cost of the loan
    • Repayment schedule
    • Fees, including late penalties or rollover charges

    Disclaimer on Pricing: All interest rates and fees are determined by individual lenders. Pricing is subject to change at any time. Always check the lender’s official website for final terms before accepting an offer.

    Return Policies, Cancellations, and Repayment

    Since MoneyMutual is not the lender, it does not handle returns, cancellations, or payment disputes. Once you agree to a loan, you must coordinate directly with the lender regarding:

    • Early payoff options
    • Payment method changes
    • Missed payment assistance
    • Cancellation before funding (if allowed)

    Lender-specific policies will be detailed in the loan agreement you receive before signing. If you’re unsure about anything, it’s a good idea to contact the lender directly using the contact details provided during the offer stage.

    Customer Service and Contact Info

    While MoneyMutual doesn’t offer loan-specific support, it does have customer service available for platform-related inquiries. You can reach them by visiting the official site and submitting a message through their contact form.

    Always keep a copy of your loan agreement and correspondence with the lender in case you need support later on.

    Your credit score doesn’t define your future. Apply now with MoneyMutual and access emergency loans from real lenders who listen.

    Risk Factors, Legal Disclaimers, and Borrowing Ethics

    Know the Risks Before You Borrow

    While MoneyMutual makes it easier to access bad credit loans with no credit check and guaranteed approval, it’s essential for borrowers to understand the risks that come with these types of loans. Because they are often short-term and high-interest, they can become burdensome if used irresponsibly or without a clear repayment plan.

    Loans arranged through MoneyMutual are most often intended to be emergency financial tools, not long-term financial solutions. Misusing them can lead to a cycle of debt, especially when high-interest rates are combined with frequent rollovers or renewals.

    High APRs and Short Repayment Windows

    One of the biggest concerns in the bad credit loan space is the potential for very high annual percentage rates (APRs). Lenders may charge significantly more than traditional banks because they are taking on what they perceive as higher risk.

    APR ranges vary, but it is not uncommon to see rates above 100% for short-term loans. Repayment schedules are usually tight—sometimes as short as two weeks to one month—especially for payday-style offers.

    Disclaimer: Loan APRs and repayment terms are set by individual lenders. Always review the full loan agreement before accepting. Pricing, fees, and conditions may change. Visit the lender’s official website for the most accurate and current information.

    If you miss a payment or are late, lenders may assess additional fees or automatically renew the loan with added interest. This is why it’s crucial to understand all loan terms upfront and never accept a loan if you’re unsure you can meet the repayment schedule.

    Legal Compliance and State Restrictions

    It’s also important to know that not all lenders work in every U.S. state. For example, MoneyMutual explicitly notes that its services are not available to residents of New York and Connecticut due to local lending laws. Other restrictions may apply depending on your location, so it’s essential to read eligibility requirements carefully.

    MoneyMutual itself complies with federal and state regulations by acting solely as a loan referral service, not a lender or broker. However, the third-party lenders you connect with are responsible for ensuring their loans meet legal standards.

    Disclaimer: Lending laws vary by state. Borrowers should always ensure that any loan offer they receive complies with state and federal regulations. When in doubt, consult with a licensed financial advisor or legal professional.

    Ethical Borrowing: Best Practices

    To use platforms like MoneyMutual responsibly, borrowers should:

    • Only borrow what they truly need
    • Create a repayment plan before accepting any loan
    • Avoid “stacking” multiple short-term loans from different lenders
    • Use loan funds for essentials (housing, food, medical, transportation)
    • Keep copies of all loan documents and communications

    Borrowing ethically means not using short-term funding as a long-term crutch. When used wisely, these loans can serve as a bridge over temporary hardship—but they should never be viewed as income replacement.

    If You Can’t Repay

    If you’re struggling to repay your loan, contact the lender immediately. Many lenders offer hardship plans or restructuring options if you’re proactive. Ignoring your payments can lead to collections activity, credit score damage, and further financial stress.

    MoneyMutual does not handle repayment disputes, but most lenders will include customer service contact details in the loan agreement. Utilize those resources as soon as issues arise.

    Life happens. When it does, MoneyMutual helps you get up to $5,000 fast—even with bad credit. No cost to apply, no pressure to commit.

    Conclusion: Why MoneyMutual Is the Top Choice for 2025

    A Trusted Option in a Crowded Field

    In a world where financial emergencies can strike without warning—and where traditional banks often shut the door on those with bad credit—MoneyMutual continues to prove why it’s one of the most trusted online loan marketplaces for Americans in need.

    Whether you’re facing a sudden medical expense, trying to keep the lights on during a layoff, or simply need a short-term financial cushion, the ability to access no credit check loans with guaranteed approval in minutes—not days—is a powerful lifeline.

    MoneyMutual is built for this exact purpose: to offer realistic, fast, and flexible lending access for borrowers who’ve been shut out by the traditional system.

    Why Borrowers Keep Choosing MoneyMutual

    Let’s recap what makes MoneyMutual a leading platform in 2025:

    • No upfront costs to use the service
    • Soft credit checks only—no impact on your credit score during the request stage
    • Lightning-fast approvals, often with next-day funding
    • Low income requirements, starting at just $800/month
    • Secure, encrypted platform that protects your data
    • A wide network of lenders, improving your chances of getting matched

    These features make it not only accessible but also practical for those who need fast, discreet, and legitimate financial solutions.

    Designed for Real People with Real Needs

    Unlike lenders that make promises they can’t keep, MoneyMutual operates as a transparent, consumer-first platform. It doesn’t trap users in deceptive fee structures or aggressive repayment models. Instead, it provides borrowers with real choice and real control.

    And with a clean, mobile-friendly interface and under-five-minute application process, it’s one of the easiest ways to explore emergency loans for bad credit—especially when you need to act fast.

    Disclaimer on Pricing: Loan amounts, interest rates, and repayment terms vary by lender. Always check the official lender site for final pricing details. Terms and conditions are subject to change at any time.

    Final Word: Know Before You Borrow

    While MoneyMutual offers unmatched ease and speed, it’s still important to review each loan offer carefully, ask questions if needed, and only borrow what you can afford to repay. Using short-term loans responsibly can help you regain control of your finances without falling deeper into debt.

    If you’re ready to take control of your financial emergency and explore safe, reliable options for bad credit loans with no credit check, MoneyMutual is one of the best platforms available in 2025.

    Visit the official site today to get started and explore your options in minutes.

    Need a no credit check loan today? Start with MoneyMutual’s free, secure form and connect with lenders ready to fund you—fast.

    Frequently Asked Questions (FAQ)

    What are the best loan providers for bad credit with guaranteed approval?

    The best bad credit loan providers with guaranteed approval offer fast applications, soft credit checks, and access to a network of lenders. MoneyMutual is a top-rated platform because it connects borrowers to vetted lenders in minutes with no upfront fees and high match success rates—ideal for emergency loans with no credit check.

    Note: While MoneyMutual facilitates fast matches, approval and funding depend on individual lender requirements.

    Can I get a personal loan with no credit check at all?

    Yes, some lenders in the MoneyMutual network offer personal loans with no credit check, meaning they base approval on income and employment instead of credit history. These loans are designed for borrowers with poor or no credit who need fast access to cash.

    Disclaimer: While MoneyMutual does not conduct hard inquiries, some lenders may do a soft or hard pull before disbursing funds. Review terms carefully before accepting any offer.

    How fast can I get a bad credit loan through MoneyMutual?

    MoneyMutual’s loan request process takes just a few minutes, and many users receive funding from matched lenders within 24 hours. This makes it one of the fastest options for bad credit loans with guaranteed approval in 2025.

    Reminder: Speed of funding depends on the lender, banking hours, and time of application. Same-day funding is not guaranteed.

    Are these no credit check loans safe and legitimate?

    Yes, when used through a reputable platform like MoneyMutual, these no credit check loans are legitimate. The platform works with trusted third-party lenders and uses bank-level encryption to protect user data. It does not charge consumers to use its services or collect upfront fees.

    What’s the catch with guaranteed approval loans for bad credit?

    There is no “catch” when using a credible platform, but it’s important to note that guaranteed approval typically refers to high match potential—not automatic loan funding. Lenders may still have specific requirements such as minimum income or verified employment. Interest rates may be higher due to the risk profile.

    Important: Always read the full loan terms. Borrow only what you can afford to repay.

    Can I use a loan from MoneyMutual to pay off other debt?

    Yes. Many borrowers use installment loans for bad credit to consolidate other high-interest debts. If approved, you can apply your funds to credit card bills, overdue utilities, or payday loan balances—helping you regain financial control.

    Is MoneyMutual really free?

    Yes. MoneyMutual is 100% free to use. You won’t pay anything to submit a request or get matched with a lender. Any repayment obligation comes directly from the loan terms set by the lender—not the platform itself.

    What if I can’t repay my loan on time?

    If you’re concerned about repayment, contact the lender immediately. Many lenders offer hardship programs or flexible scheduling. Ignoring payments may result in late fees or collection efforts. Always read the loan agreement in full to understand your responsibilities before signing.

    Denied by banks? You’re not out of options. Use MoneyMutual now to find real lenders who approve real people—no matter your credit score.

    • Company: MoneyMutual
    • Address: 2510 E. Sunset Rd. Ste 6, #85 Las Vegas NV, 89120
    • Email: customerservice@moneymutual.com
    • Phone Support: 844-276-2063

    Legal Disclaimer and Affiliate Disclosure

    This article is for informational and educational purposes only and does not constitute financial, legal, or professional advice. The information presented is based on publicly available data and third-party sources believed to be accurate at the time of publication; however, no guarantees are made regarding the completeness, accuracy, or reliability of the content.

    Loan products, interest rates, terms, and availability are determined by third-party lenders and are subject to change without notice. Readers are strongly encouraged to conduct their own due diligence and consult with a licensed financial advisor or legal professional before making any financial decisions.

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    The MIL Network –

  • MIL-OSI USA: Cornyn, Baldwin, Colleagues Introduce Bill to Safeguard Transit Operations Against Chinese Influence

    US Senate News:

    Source: United States Senator for Texas John Cornyn
    WASHINGTON – U.S. Senators John Cornyn (R-TX), Tammy Baldwin (D-WI), Rick Scott (R-FL), Tina Smith (D-MN), Pete Ricketts (R-NE), Marsha Blackburn (R-TN), and Gary Peters (D-MI) today introduced the Safeguarding Transit Operations to Prohibit (STOP) China Act, which would protect domestic transit operations and supply chains from malign Chinese influence by preventing any appropriated funds to the U.S. Department of Transportation (DOT) from being awarded to grantees for the purchase of Chinese government transit buses or rail cars:
    “It is China’s mission to infiltrate and dominate every aspect of American society, including our transit systems, and we cannot let them succeed,” said Sen. Cornyn. “By preventing American tax dollars from being used to purchase Chinese government transit buses or rail cars, our legislation would help protect U.S. transportation infrastructure from the CCP.”
    “When we invest American taxpayer dollars, we should be supporting our Made in America economy and American workers, not opening our checkbook to adversaries like China,” said Sen. Baldwin. “I’m proud to work with Republicans and Democrats to support our workers and companies, keep the United States safe, and close a loophole that Chinese companies are exploiting to win government contracts and undercut American workers.”
    “At every opportunity, the Chinese Communist Party works to exploit America and put our nation’s critical infrastructure at risk,” said Sen. Scott. “We cannot allow an adversarial regime access to supply chains and transit that we rely on every day, and we definitely cannot allow U.S. tax dollars to fund any projects that allows such access. We must prioritize Americans’ safety, American jobs, and American manufacturing, and put an end to our dangerous dependence on a regime that openly seeks our downfall.”
    “Domestic transit vehicle manufacturers shouldn’t be victim to Chinese companies exploiting loopholes and engaging in unfair trade practices that harm business and pose significant national security concerns,” said Sen. Smith. “I’m glad to support the STOP China Act to close the loopholes and help Minnesota’s strong transit manufacturing industry continue to succeed.”
    “Companies in Communist China circumvent U.S. laws so that they can continue to receive taxpayer-funded contracts from American public agencies,” said Sen. Ricketts. “This bill will close that loophole. It will help protect domestic supply chains and American manufacturers. We must ensure taxpayer dollars never fund America’s adversaries.”
    “China’s attempts to exploit critical American infrastructure with taxpayer funds will not be tolerated,” said Sen. Blackburn. “The STOP China Act would prevent hard-earned American dollars from purchasing Chinese-made vehicles in our transit infrastructure, protecting our national security and supporting American manufacturing.
    “China is actively working to undermine American workers and our economic success, particularly in the transportation industry, by flooding global markets with artificially cheap vehicles, from electric vehicles to buses,” said Sen. Peters. “This bipartisan bill would help level the playing field for Michigan manufacturers, suppliers, and workers as we continue to lead the world in mobility innovation by preventing taxpayer dollars from being used to support companies owned and operated by the Chinese Community Party.”
    U.S. Senator Shelley Moore Capito (R-WV) cosponsored the legislation. Congressmen Rick Crawford (AR-01) and John Garamendi (CA-08) are leading companion legislation in the U.S. House of Representatives.
    Background:
    Congress passed the Transportation Infrastructure Vehicle Security Act, which prohibits companies with ties to China’s government from receiving taxpayer-funded contracts from the Federal Transit Administration (FTA) to build U.S. rail cars and buses, as part of the Fiscal Year 2020 National Defense Authorization Act. However, China has taken advantage of other government funds in the law to continue competing for transit business in the U.S. The Safeguarding Transit Operations to Prohibit (STOP) China Act would prevent any appropriated funds to the U.S. Department of Transportation (DOT) from being awarded to grantees for the purchase of Chinese government transit buses. It would also require the United States Trade Representative (USTR), in consultation with the U.S. Attorney General, to produce a list of prohibited entities headquartered or affiliated with China.
    The legislation is endorsed by Alliance for American Manufacturing, Steel Manufacturers Association, International Brotherhood of Teamsters, United Steelworkers, International Association of Machinists and Aerospace Workers, and Transport Workers Union of America.

    MIL OSI USA News –

  • MIL-OSI NGOs: ‘Tinkering at the edges’: Woodside’s revised Browse plans fail to mitigate Scott Reef risk

    Source: Greenpeace Statement –

    SYDNEY/PERTH, Tuesday 13 May 2025 — Greenpeace Australia Pacific has welcomed the WA EPA’s rare decision to reopen public consultation for Woodside’s revised Browse offshore gas proposal submitted in March.

    The WA EPA assessed Woodside’s original proposal as “unacceptable”, citing concerns about serious potential impacts to the environmentally sensitive Scott Reef. This included risk of an oil spill, impacts on threatened species, and the subsidence of Sandy Islet, a vital rookery for the endangered green sea turtle.

    Over 20,000 public submissions were lodged in response to Woodside’s previous proposal. Woodside’s Browse plans would see drilling for gas directly underneath the Scott Reef. 

    Geoff Bice, WA Campaign Lead at Greenpeace Australia Pacific, said: “Greenpeace welcomes the rare decision by the WA EPA to reopen public consultation for Woodside’s disastrous Browse gas proposal, which threatens our oceans and marine life, and places communities across Australia at increased risk of climate harm.

    “Woodside’s revised plans are merely tinkering at the edges of what is a fundamentally problematic proposal, which fails to address the risk of subsidence at Sandy Islet, and hinges on a yet to be proven technology to mitigate the risk of a major oil spill — it is incompatible with the protection of the fragile Scott Reef. 

    “It’s unthinkable today that we would allow a multinational fossil fuel company to drill for gas on the Great Barrier Reef — we must not accept this at Scott Reef, home to vibrant coral, threatened species like pygmy blue whales and a critical green sea turtle rookery.

    “Time and time again, Woodside has demonstrated it can’t be trusted with our oceans. Community opposition to this project is growing stronger by the day and we expect to see a large number of submissions in response to these revised plans. 

    “Greenpeace and our supporters will be watching this closely — we urge the WA EPA and the new Federal Environment Minister Murray Watt to heed community concerns and reject Woodside’s reckless gas expansion plans once and for all.”

    -ENDS-

    For more information or interviews contact Kate O’Callaghan on 0406 231 892 or [email protected]

    MIL OSI NGO –

  • MIL-Evening Report: Liberals elect first woman leader, with Ley defeating Taylor 29-25

    Source: The Conversation (Au and NZ) – By Michelle Grattan, Professorial Fellow, University of Canberra

    The federal Liberal party has elected its first female leader, with Sussan Ley narrowly defeating Angus Taylor, 29-25.

    Ley, 63, who was deputy leader to Peter Dutton during the last term, had the support of the moderates in the party.

    Jacinta Nampijinpa Price, who defected last week from the Nationals to join a ticket with Taylor, pulled out of the deputy race after Taylor’s defeat. Taylor was supported by the conservatives in the party.

    While Price has strong appeal in Liberal branches, the bold move backfired.

    The new deputy is Queenslander Ted O’Brien, 51, key architect of the opposition’s controversial nuclear policy, which many considered a serious drag on the Coalition’s election vote. O’Brien defeated Phil Thompson, a fellow Queenslander, 38-16.

    The closeness of the leadership vote is a recipe for instability dogging Ley’s leadership. Two of her supporters, Linda Reynolds and Hollie hughes, are leaving the Senate on June 30.

    In the Coalition government, Ley variously held the portfolios of health, sport, aged care and environment.

    An immediate challenge for Ley will be reshuffling the frontbench, especially what roles Taylor and Price will have.

    Ley has held the southern NSW regional seat of Farrer since 2001.

    Michelle Grattan does not work for, consult, own shares in or receive funding from any company or organisation that would benefit from this article, and has disclosed no relevant affiliations beyond their academic appointment.

    – ref. Liberals elect first woman leader, with Ley defeating Taylor 29-25 – https://theconversation.com/liberals-elect-first-woman-leader-with-ley-defeating-taylor-29-25-256459

    MIL OSI Analysis – EveningReport.nz –

  • MIL-OSI Russia: “China is the best era for entrepreneurship for me” – Russian entrepreneur

    Translation. Region: Russian Federal

    Source: People’s Republic of China in Russian –

    Source: People’s Republic of China – State Council News

    TIANJIN, May 13 (Xinhua) — Sipping coffee in her office in the Tianjin Pilot Free Trade Zone (FTZ), 36-year-old Russian Svetlana Olkhovikova is intently checking information on orders from partners in Russia, Uzbekistan and other countries.

    With her excellent command of Chinese and experience in foreign trade, she established and registered two foreign trade companies in Tianjin, a port city in northern China.

    Tianjin Ruidehe Machinery Trading Company, founded in September 2023, is engaged in the export of agricultural machinery, and Hesu Biopharmaceutical Company, established in March 2024, is engaged in cross-border trade in medical equipment and components.

    “Both companies have already established cooperation with enterprises in more than 20 countries and regions around the world, including Russia, Kazakhstan and the Republic of Korea,” Svetlana said fluently in Chinese.

    “China has been the best era for entrepreneurship for me,” she added. From choosing an office location to registering companies, from extending a work visa to home service when opening a bank account, she was always amazed by the efficiency of the local government and its humane approach to entrepreneurs.

    As a foreign entrepreneur, she had to learn Chinese laws and the tax system, which was not easy, but the government’s service provision gave her confidence and peace of mind.

    “My grandfather used to say that the hospitality of the Chinese is like a flame that never goes out. By creating my business in Tianjin, I finally realized that this is not an exaggeration, but a reality,” the businesswoman shared.

    In choosing China for business, she valued not only the favorable business environment, but also the country’s mega-market, sophisticated production and supply chain system, and ever-improving conditions for innovation.

    “The Chinese market is huge, many quality products are becoming increasingly popular abroad. People from all over the world can find many development opportunities here,” said S. Olkhovikova. During her entrepreneurial activities, she deepened her understanding of China’s economic development and strengthened her confidence in the “Made in China” brand.

    “Our cooperation with Chinese companies is going very smoothly. Chinese partners are pragmatic and efficient, produce inexpensive and high-quality goods, and offer customized solutions – all thanks to China’s powerful production capabilities and high level of professionalism,” the entrepreneur stated with confidence.

    Svetlana’s family, believing that China has enormous development potential, fully supports her business ventures. “My uncle runs an agricultural processing company in Russia, and my company in China can supply him with high-quality equipment, especially powerful tractors,” she continued.

    Svetlana spent her childhood in a village a few hundred kilometers from Moscow. Her father was a farmer, her mother taught at school, and Svetlana, who was raised by her grandmother, often heard stories about China. “My grandmother said that the Chinese are kind, my grandfather told me about the Confucian principle of ‘the joy of meeting a friend who has come from afar’, and my uncle advised: ‘Only by acquiring more knowledge can we expand our horizons’,” she said.

    In 2005, S. Olkhovikova entered Voronezh State University /VSU/ to major in International Relations. Learning about China from books and lectures, she became interested in this country.

    In 2008, she first came to China on a six-month Chinese language program organized by Qingdao University and VSU. Later, while working for a Russian trading company, she became even more fascinated with China thanks to active business contacts with Chinese partners.

    Years later, after careful consideration, Svetlana decided to pursue an MBA at Tianjin University. She was attracted by the university’s rich history and recognized the practical value of its curriculum for researching China’s economic development. She visited agricultural machinery manufacturing plants in Tianjin to explore the potential for Sino-Russian cooperation in the agricultural sector through the “customization of production plus localization of services” format.

    Now that she has established her business in China, she continues to implement this idea. Despite being very busy, Svetlana continues to persistently study Chinese and get to know the country better.

    “There are many opportunities in China. The openness and inclusiveness here provide fertile ground for enterprising people from all over the world. The Chinese say that if the circumstances are right, expressed in the right time, the right place and the support of the people, people around you will lend a helping hand if you boldly seize the opportunities of the times,” she added.

    “I believe that a wonderful future awaits me. And I am ready to contribute to the promotion of cooperation between Russia and China,” Svetlana said. -0-

    MIL OSI Russia News –

  • MIL-OSI China: Applications for auto trade-in subsidies exceed 10M in China

    Source: People’s Republic of China – State Council News

    The total number of applications for auto trade-in subsidies in China exceeded 10 million by Sunday, under a mass renewal program initiated in 2024, the Ministry of Commerce said on Monday.

    Of that total, applications made in 2025 amounted to 3.23 million, with consumers scrapping nearly 1.04 million cars and purchasing 2.19 million new vehicles with auto trade-in subsidies. New energy vehicles (NEVs) accounted for more than 53 percent of all auto trade-ins since the beginning of the year.

    The program aims to expand domestic demand and shore up the Chinese economy through equipment upgrades and trade-ins of consumer goods.

    China’s auto market maintained robust growth from January to April, with sales rising 10.8 percent to 10.06 million units, the China Association of Automobile Manufacturers said on Monday.

    Notably, NEVs posted strong growth. NEV production surged 48.3 percent year on year to nearly 4.43 million units in the first four months, with sales up 46.2 percent year on year to 4.3 million units. 

    MIL OSI China News –

  • MIL-OSI China: Motorcycle riding emerges as trending lifestyle in China

    Source: People’s Republic of China – State Council News

    With his arms slightly bent and body leaning into the turns, Yuan Lei skillfully shifted his weight to maintain balance as his motorcycle glided through the winding mountain roads, the roar of the engine and rush of the wind only deepening the quiet in his mind.

    “Riding demands complete focus, which allows me to clear my mind,” said Yuan, a 43-year-old college professor in Beijing. “Free from any confines or barriers, I feel truly connected to nature on a motorcycle.”

    Yuan is a seasoned motorcyclist who purchased his first Kawasaki motorcycle in 2016. Every two weeks, he hits the road amid the towering mountains north of Beijing and goes on long-distance trips across the country once or twice a year.

    Yuan is part of a growing community of motorcyclists in China who see riding not just as a mode of transportation, but as a lifestyle to be fully embraced. With motorcycling often requiring a substantial upfront investment and sparking a deep sense of wanderlust, this rising trend has unlocked considerable potential for consumption.

    To begin with, buying a motorcycle involves a significant investment. Entry-level models on the market typically range from 20,000 yuan (about 2,775 U.S. dollars) to 30,000 yuan, while imported premium brands like Ducati and BMW can cost several hundred thousand yuan or more.

    “It becomes even more expensive when you consider safety gear, travel costs, and aftermarket accessories,” said Jiang Xun, a 37-year-old enthusiast and a motorcycle store operator in Nanjing, capital of Jiangsu Province.

    Despite the high costs, the number of motorcycle enthusiasts has continued to grow. Jiang sees new faces every time he attends rider meetups. He estimates that the motorcyclist population grows by about 10 percent annually, with the majority of newcomers being young people aged 20 to 35. This surge in enthusiasm has driven an increase in the production and sales of motorcycles across China.

    According to statistics from the China Chamber of Commerce for Motorcycle, in 2024, the production and sales volume of motorcycles in China reached over 19.97 million and 19.92 million, respectively, both showing growth. In the first two months of this year, the figures were approximately 2.46 million and 2.52 million, reflecting year-on-year increases of 16.96 percent and 16.21 percent, respectively.

    Jiang’s firsthand experiences speak volumes. “At our peak, my shop sold 500 to 600 units annually,” Jiang recalled. “Even when demand dipped slightly, we still managed to sell over 300 units last year.”

    Data from the Tmall new life research institute shows that the motorcycle market on Tmall, an e-commerce platform — encompassing complete vehicles, equipment and aftermarket services — surpassed the 10-billion-yuan mark in 2022.

    Motorcycles made their way into the lives of urban Chinese in the 1980s along with the reform and opening up. However, motorcycles have come a long way in recent years to reemerge as a popular vehicle choice, thanks to the gradual relaxation of regulations.

    Beijing imposed restrictions on motorcycles in 1985 due to the pollution and traffic chaos they brought, prompting other cities to follow suit. Starting from 2010, these blanket prohibitions were gradually lifted in some cities, replaced by a more targeted approach to regulating the use of motorcycles.

    In recent years, the Ministry of Public Security has introduced a slew of measures to further relax restrictions, including raising the age limit for licensing to 70 and allowing riders to apply for licenses outside their provinces of residence.

    Apart from boosting the purchase of motorcycles and gear, motorcycle riding as a lifestyle has driven demand for hospitality, catering, and other leisure-related services.

    A leisure industry centering on motorcycle culture has emerged, noted Hu Ming, a researcher at the postdoctoral practice base of Jiangnan Rural Commercial Bank in Jiangsu Province.

    A new business has even emerged from this trend. While cruising along popular winding roads tucked away in Beijing’s mountains, riders may find themselves “ambushed” by photographers at nearly every bend available for parking.

    These amateur photographers capture stylish poses of motorcyclists through their lenses and sell the snapshots to riders via a photo stock app.

    Shi, 51, started his roadside café and began taking snapshots of passing cyclists and motorcyclists last year in Beijing.

    On his landing page of the photo stock app, stunning images of motorcyclists performing the iconic knee dragging or knee down move immediately capture attention. He mentions that he sells up to 18 photos over a weekend, each priced at 10 yuan, while noting that he is still a novice in the business.

    “Today’s motorcyclists are no longer just seeking speed and thrills; they embrace motorcycling as a lifestyle and a canvas for personal expression,” said Chen Sining, organizer of a Nanjing-based motorcycle club.

    Yuan is eagerly anticipating his next motorcycle road trip, as he was exhilarated by his previous experiences of “riding gradually into the breathtaking scenery, rather than just engaging in sightseeing.”

    MIL OSI China News –

  • MIL-OSI China: China remains among top investors in Germany last year: official report

    Source: People’s Republic of China – State Council News

    China continued to be one of the leading sources of foreign direct investment (FDI) in Germany last year, according to a report released on Monday by Germany Trade & Invest (GTAI), the federal agency responsible for promoting foreign investment.

    Chinese companies initiated 199 FDI projects in Germany last year, nearly matching the 200 projects recorded in 2023. The 2023 figure marked a 42-percent year-on-year increase and the highest level since 2017. Among all source countries, China ranked third, following the United States and Switzerland.

    The report noted that Germany attracted a total of 1,724 FDI projects in 2024, excluding mergers and acquisitions. This represents a slight decline from 1,759 projects in 2023 and 1,783 in 2022, highlighting the growing share of Chinese participation in Germany’s FDI landscape in recent years.

    In 2024, seven projects involved investment volumes exceeding 500 million euros (555 million U.S. dollars), including some backed by Chinese investors.

    Thomas Bozoyan, the report’s author and a GTAI expert, noted that China continues to play a pivotal role in Germany’s foreign investment profile. He emphasized that Germany has emerged as a key beneficiary of China’s expanding commercial footprint across Europe.

    Bozoyan pointed out that Chinese investment is increasingly focused on high-tech industrial sectors such as renewable energy, battery supply chains, automotive, medical technology, and robotics, with a particular emphasis on software-driven solutions within these fields.

    According to the report, Chinese companies launched 31 projects in the renewable energy sector in 2024. Roughly one-quarter of all Chinese FDI projects in Germany involved either production facilities or research and development operations.

    Bozoyan also noted that beyond Germany, China’s outbound investment has shown strong global growth, particularly accelerating after the end of the COVID-19 pandemic. (1 euro = 1.11 U.S. dollar) 

    MIL OSI China News –

  • MIL-Evening Report: Community-run food co-ops can reduce food insecurity and boost healthy diets, research shows

    Source: The Conversation (Au and NZ) – By Katherine Kent, Senior Lecturer in Nutrition and Dietetics, University of Wollongong

    alicja neumiler/Shutterstock

    As grocery prices continue to rise, many Australians are struggling to afford healthy food and are looking for alternatives to the big supermarket chains.

    The recent supermarkets inquiry, run by the Australian Competition and Consumer Commission, confirmed Australia’s grocery sector is highly concentrated, with limited competition and rising retail margins. In regional and remote areas, consumers often face higher prices and fewer choices.

    One option growing in popularity around the country is the community food co-operative, or “food co-op”.

    Food co-ops are local not-for-profit or member-owned groups where people join together to buy food in bulk, usually straight from farmers or wholesalers. These co-ops can take different forms, including shops, neighbourhood-based hubs, or box delivery models. They typically offer a range of foods such as fresh fruit and vegetables, bread, dairy products, eggs and pantry staples.

    By co-ordinating their orders, members can reduce food costs, limit packaging waste, and avoid supermarket markups. Co-ops can also help lower transport emissions by reducing long supply chains.

    We’ve been researching the benefits of food co-ops. We’ve found this model could reduce food insecurity and increase people’s intake of fruit and vegetables.

    How are food co-ops run?

    Some co-ops are owned and run by their members. Any surplus or profits are generally reinvested into the co-op or shared through lower prices, improved services, or support for local community initiatives.

    Other co-ops are managed by not-for-profit organisations focused on improving food access for whole communities.

    More recently, digital platforms and apps have made it even easier for people to start or join co-ops and connect with local growers.

    Regardless of the model, co-ops are guided by values of co-operation, fairness and community benefit, rather than profit.

    Digital platforms have made it easier to get involved in food co-ops.
    Cottonbro studio/Pexels

    What does the research say?

    We recently published a study which adds to a growing body of evidence showing food co-ops can play an important role in improving diet and reducing food insecurity.

    Food insecurity is when someone doesn’t have reliable access to affordable, nutritious food. It can mean skipping meals, eating less fresh produce, relying on cheap processed foods, or experiencing ongoing stress about being able to afford groceries.

    We surveyed more than 2,200 members of Box Divvy, a community-based food co-op operating across New South Wales and the Australian Capital Territory. Within this co-op, members join local “hubs”, pool their orders for groceries through an app, and collect their food from a nearby coordinator.

    To measure food security, we used an internationally recognised survey that asks about things such as running out of food or skipping meals due to cost.

    Before joining the co-op, more than 50% of surveyed members were classified as “food insecure”. This is well above the national average (estimated to be around 22%). It suggests many people turning to food co-ops are already under significant financial pressure.

    After joining, food insecurity dropped by nearly 23%. The rate of severe food insecurity – where people skip meals and regularly experience hunger – more than halved.

    These changes were accompanied by improved diets. We asked participants to report how many serves of fruit and vegetables they usually ate in a day. On average, members increased their vegetable intake by 3.3 serves per week and their fruit intake by 2.5 serves.

    The benefits were even more pronounced for people experiencing severe food insecurity, who tend to have poorer diets overall. They ate 5.5 more serves of vegetables and 4.4 more serves of fruit per week while using the co-op.

    These are meaningful improvements that bring people closer to meeting national dietary guidelines. This matters because eating more fruit and vegetables is linked to a lower risk of chronic diseases such as heart disease, type 2 diabetes, and some cancers.

    Our study found people ate more fruit and vegetables after joining the co-op.
    Davor Geber/Shutterstock

    Other research has reflected similar findings. A 2020 Sydney-based study found co-op members were more likely to meet the recommended servings of fruit and vegetables than non-members.

    Another study of The Community Grocer, a Melbourne-based social enterprise, found their weekly markets offered produce around 40% cheaper than nearby retailers and improved healthy food access for culturally diverse and low-income customers.

    Internationally, a Canadian study of a community-based food box program – similar in structure to some co-ops – reported higher fruit and vegetable intake among regular users. It found a decline in intake for those who stopped using the service.

    In Wales, disadvantaged communities that used co-ops reported better access to fresh produce. Similarly in New Zealand, co-op participants reported better access to healthy food.

    In qualitative research, people who have experienced food insecurity say co-ops offer a more dignified alternative to food relief by offering choice and control over what’s on the table.

    Food co-ops can offer a cheaper alternative to shopping at large supermarkets.
    Denys Kurbatov/Shutterstock

    Where to next?

    Despite clear benefits, food co-ops remain largely overlooked in Australian policy. This is at a time when national conversations about price gouging and supermarket power highlight the need for viable, community-based alternatives.

    Meanwhile, food co-ops also face operational challenges. For example, regulatory requirements can vary significantly between local councils and states. This makes it difficult to establish, scale or replicate successful co-ops.

    Government support could help co-ops grow where they’re needed most. Some measures might include:

    • seed funding and small grants to establish co-ops in low-income communities
    • subsidised memberships or vouchers for eligible households
    • investment in digital tools and logistics to support efficient operations, particularly in rural and remote areas
    • simplifying regulatory processes.

    As the Feeding Australia strategy develops under the Albanese government, there’s an opportunity to consider how community models such as food co-ops could complement broader national efforts to improve food security and strengthen local food systems.

    The authors do not work for, consult, own shares in or receive funding from any company or organisation that would benefit from this article, and have disclosed no relevant affiliations beyond their academic appointment.

    – ref. Community-run food co-ops can reduce food insecurity and boost healthy diets, research shows – https://theconversation.com/community-run-food-co-ops-can-reduce-food-insecurity-and-boost-healthy-diets-research-shows-256100

    MIL OSI Analysis – EveningReport.nz –

  • MIL-Evening Report: Don’t click without thinking – and 4 other ways to keep yourself safe from scams

    Source: The Conversation (Au and NZ) – By Meena Jha, Head Technology and Pedagogy Cluster CML-NET, CQUniversity Australia

    tete_escape/Shutterstock

    Think about how many things you have done online today. Paid a bill? Logged into your bank account? Used social media or spent time answering emails? Maybe you have used your phone to pay at a supermarket or train station.

    We are all plugged in, and that’s not necessarily a bad thing. But with all these conveniences comes a growing risk many Australians are unprepared for: cyber crime.

    According to the most recent cyber threat report by the Australian Cyber Security Centre, more than 87,000 reports of cybercrime were made in 2023-2024. That’s a report every six minutes. And that’s just what gets reported. Many people do not even realise they have been hacked or scammed until it’s too late.

    Earlier this year, Scamwatch, run by the Australian Competition and Consumer Commission, revealed Australians lost nearly A$319 million to scams in 2024 alone. In a recent example, cyber criminals used stolen login details to hack several major superfunds in Australia and steal a collective A$500,000 of people’s retirement savings.

    A big part of this worsening problem is poor “digital hygiene”. Here are five easy ways to improve yours.

    First, what exactly is ‘digital hygiene’?

    Just like brushing your teeth keeps cavities away, digital hygiene is all about keeping your online life clean, safe and protected from harm.

    It is a simple idea: the better your habits when using technology, the harder it is for scammers or hackers to trick you or get access to your personal information.

    It means being aware of what you are sharing, whom you are trusting, and how your devices are set up. Unfortunately, most of us are probably more hygienic in bathrooms than we are online.

    How should you protect yourself?

    Good news: you do not need to be a computer whizz to keep clean online. Here are five simple practical steps anyone can take:

    1. Stop and think before clicking

    Got an unexpected message from your bank asking you to verify your account? Or a text about a missed parcel delivery with a link? Scammers love urgency. It gets people to click before they think. Instead of rushing, pause.

    Ask yourself: was I expecting this? Is the sender’s email or phone number legitimate? Do not click the link, go directly to the official website or app.

    2. Use strong, unique passwords

    Using your pet’s name or “123456” is not going to cut it. And if you reuse passwords across websites, a breach on one site means hackers can try the same password everywhere else. This is called a credential stuffing attack, and it is how the cyber attack on superannuation funds happened earlier this year.

    The best move? Begin securing your online accounts by using a password manager and updating any reused passwords, prioritising your most sensitive accounts such as emails, banking and cloud storage first.

    3. Turn on multi-factor authentication

    Multi-factor authentication means you need something more than just a password to login, such as a code sent to your phone or an app such as Google Authenticator or Microsoft Authenticator.

    It is a simple step that adds a powerful layer of protection. Even if someone guesses your password, they cannot log in without your second factor.



    Read more:
    What is multi-factor authentication, and how should I be using it?

    4. Update your apps and devices

    Yes, those software updates are annoying, but they are important. Updates fix security holes that hackers can use. Make it automatic if you can, and do not ignore update prompts, especially for your operating systems such as Windows, iOS or Android. However, it is important to recognise that older devices often stop receiving updates because manufacturers stop supporting older models or are not developing updates for older devices as it can be costly.

    Outdated software harbours known vulnerabilities that hackers actively can target. While keeping devices longer supports sustainability, there is a balance to strike. If your device no longer receives security updates, it may be safer to responsibly recycle it and invest in a newer supported model to maintain your digital safety.

    5. Be mindful of what you share

    Oversharing on social media makes you an easy target. Public posts that include your birthday, where you went to school, or your pet’s name can be used to guess security questions or build convincing fake messages. Think before you post – would a stranger need to know this?

    Oversharing on social media makes you an easy target for scammers.
    Cristian Dina/Shutterstock

    What should I do if I have been hacked?

    To check if your passwords have been leaked in a breach, you can use HaveIBeenPwned – a free tool trusted by security experts.

    If you have been hacked, follow the tips provided by Australian Cyber Security Centre. For example, you should change all your passwords and passcodes and use software to scan for malware on your computer.

    Need more help? Visit esafety.gov.au for practical guides, especially for parents, teachers and young people.

    Digital hygiene is not a personal responsibility, it is a collective one. We are connected through emails, group chats, workplaces and social media. One weak link can put others at risk. Talk to your family and friends about the risk of scams and how to avoid them. The more we talk about this, the more normal and effective digital hygiene becomes.

    Because just like washing your hands became second nature during the COVID-19 pandemic, keeping your online life clean should be a habit, not an afterthought.

    Meena Jha does not work for, consult, own shares in or receive funding from any company or organisation that would benefit from this article, and has disclosed no relevant affiliations beyond their academic appointment.

    – ref. Don’t click without thinking – and 4 other ways to keep yourself safe from scams – https://theconversation.com/dont-click-without-thinking-and-4-other-ways-to-keep-yourself-safe-from-scams-254808

    MIL OSI Analysis – EveningReport.nz –

  • MIL-OSI: Best Payday Cash Advance Loans Online – Nearest Direct Lenders Only

    Source: GlobeNewswire (MIL-OSI)

    Baton Rouge, May 12, 2025 (GLOBE NEWSWIRE) —

    In This Article, You’ll Discover:

    • How do payday cash advance loans online work, including eligibility, application steps, and repayment structure
    • The growing demand for nearest direct lenders only, and why online platforms outperform traditional lenders in speed and accessibility
    • How MoneyMutual connects users with trusted payday lenders online without upfront fees or obligations
    • What pain points do payday loans solve, such as emergency bills, rent gaps, or urgent repairs
    • A breakdown of loan amounts, terms, interest rates, and standard disclaimers every borrower should review
    • Security protocols that ensure your information is protected throughout the online payday loan process
    • Alternatives to payday loans and responsible borrowing tips to avoid long-term debt traps
    • Key steps to identify and avoid payday loan scams in the digital lending space
    • Comprehensive answers to frequently asked questions about online payday loans for bad credit, no-credit options, and more.
    • All legal disclaimers and affiliate disclosures to help readers make informed, secure, and risk-aware lending decisions

    TL;DR Summary

    This article provides an in-depth guide to securing the best payday cash advance loans online through a trusted, secure platform that matches users with the nearest direct lenders only. It explains how short-term payday loans work, who they are for, and the key steps involved — from application to funding.

    With a special spotlight on MoneyMutual, readers will learn how to safely access fast cash loans online, even with poor credit. The article covers loan amounts, eligibility criteria, repayment terms, interest considerations, scam prevention tips, and responsible borrowing alternatives. A detailed FAQ section supports readers with direct answers to common questions, while built-in legal disclaimers and affiliate disclosures protect all parties involved in the content syndication process.

    This resource is intended to help borrowers make informed, compliant financial decisions when exploring emergency funding options online through reputable direct payday lenders.

    Introduction: Navigating Financial Emergencies in the Digital Age

    The Rise of Financial Stress in Today’s Economy

    In today’s unpredictable financial climate, many Americans are facing sudden hardships they didn’t see coming. Whether it’s an unplanned car repair, a medical bill, or a rent increase, more people than ever are struggling to bridge the gap between paychecks. Traditional banking solutions — like personal loans from credit unions or big banks — are often inaccessible to those with less-than-perfect credit scores. And when time is of the essence, waiting days for a decision simply isn’t practical.

    This has created a surge in demand for quick, accessible financial relief, which is where online payday cash advance loans come into play.

    What Are Payday Cash Advance Loans?

    Payday cash advance loans are short-term lending options designed to offer fast financial assistance to individuals dealing with urgent expenses. Typically repaid by the borrower’s next paycheck, these loans are meant to cover temporary financial shortfalls without the need for traditional credit checks or long approval windows.

    Because of the immediate nature of the solution, online payday loans from direct lenders have become increasingly popular. These lenders offer a streamlined application process and quick decision-making, providing borrowers with the funds they need, often within a single business day.

    Why Online Is the Future — And the Present

    Online lending platforms now dominate the payday loan space. The convenience of applying for a loan from the comfort of home, without needing to fax documents or physically visit a store, has fundamentally changed how people access emergency funding.

    Introducing MoneyMutual as a Trusted Resource

    MoneyMutual is not a direct lender — instead, it’s a highly reputable platform that connects borrowers with a network of verified direct lenders. With over 2 million customers served and a longstanding online presence, it helps streamline the borrowing process by matching users with lenders who are more likely to approve their applications based on income and basic eligibility.

    You’re not committing to a loan by using the site — you’re exploring your options securely, quickly, and at no cost to you. Whether you’re facing a financial emergency or trying to avoid late payment fees on an essential bill, MoneyMutual offers a fast, simple way to connect with legitimate lenders online.

    Disclaimer: This content is for informational purposes only and does not constitute financial advice. Borrowers should fully understand the terms of any payday loan agreement before signing. Always compare multiple offers, and remember that payday loans come with higher interest rates and shorter repayment windows than traditional loans.

    Understanding the Financial Pain Points That Drive Payday Loan Demand

    Living Paycheck to Paycheck: A Common Reality

    Millions of Americans live paycheck to paycheck. For many, even a minor disruption — like a missed day of work or an unexpected utility bill — can spiral into a financial crisis. Traditional budgeting doesn’t leave much room for emergencies, and savings accounts are often nonexistent.

    When there’s no financial cushion, short-term cash flow problems become long-term stressors, forcing individuals to make tough decisions: skip rent, delay a car repair, or miss a utility payment. This is where payday loans serve a purpose — not because they’re ideal, but because the need for immediate funds is real and pressing.

    Credit Score Barriers and Bank Loan Rejection

    Mainstream lenders like banks and credit unions often reject applicants with poor or limited credit histories. Even borrowers with stable incomes can be turned away simply because of a credit score below 600.

    With online payday loans for bad credit, lenders focus less on FICO scores and more on your ability to repay the loan through a consistent income stream. This is one of the core benefits of platforms like MoneyMutual, which connects users to the nearest direct lenders only — lenders who are willing to work with nontraditional profiles.

    Emergencies Don’t Wait — And Neither Should Solutions

    From emergency medical visits to car trouble or child-related costs, financial emergencies demand immediate attention. Unfortunately, these expenses often arise at the worst possible time — right before payday, or when other bills are stacking up.

    When traditional options are too slow or unavailable, cash advance loans online become one of the few accessible tools available to manage the situation.

    Disclaimer: Payday loans are not a long-term financial solution. They are designed to provide emergency funding and should not be used for regular or recurring expenses.

    The Emotional Toll of Financial Instability

    Financial stress isn’t just about money — it deeply affects emotional well-being. Anxiety, sleeplessness, and strained relationships are just a few of the symptoms borrowers report when caught in ongoing money troubles.

    Having a fast, private, and secure option like MoneyMutual can offer relief, not just financially, but emotionally, by helping users take action and regain a sense of control over their situation.

    Need fast cash for bills or car repairs? Apply with MoneyMutual now and get matched to trusted lenders in minutes—no credit check required!

    The Solution: Online Payday Cash Advance Loans Explained

    What Is a Payday Cash Advance Loan?

    A payday cash advance loan is a short-term financial solution that allows borrowers to access quick funds, typically ranging from $100 to $5,000 — with the understanding that repayment will occur on their next payday. These loans are often used to cover urgent, unexpected expenses such as rent, medical bills, utility shutoff notices, or car repairs.

    Unlike traditional personal loans, payday loans are generally easier to qualify for and are processed much faster, often within hours or the same day. The most significant feature? You don’t need perfect credit to qualify.

    How Online Payday Loans Work

    Online payday loans have transformed the lending landscape. With a simple internet connection and a few minutes of your time, you can fill out a single form that gets distributed to a network of direct lenders, skipping the tedious paperwork and in-person meetings required by traditional lenders.

    Here’s a typical breakdown of the online payday loan process:

    1. Submit Your Application: You provide basic personal, financial, and employment information. No hard credit check is typically required at this stage.
    2. Get Matched Instantly: If you meet the minimum eligibility requirements (such as age, income, and banking status), your request is routed to potential lenders in real time.
    3. Review Your Loan Offer: Once matched, you can review the loan amount, interest rate, repayment date, and any applicable fees.
    4. Receive Your Funds: Upon acceptance, funds are usually deposited into your bank account within 24 hours, often sooner.

    Disclaimer: Each lender’s approval criteria and funding timeline may vary. Always read the terms carefully before accepting any loan agreement.

    Why Online Payday Loans Stand Out as a Quick-Fix Financial Tool

    When time is of the essence, online payday loans shine. They’re tailored for speed, accessibility, and convenience:

    • Speed: Most applications take under 5 minutes to complete, and decisions are nearly instant.
    • Accessibility: Borrowers with bad credit, limited credit history, or prior denials may still qualify.
    • Convenience: The entire process can be completed without leaving your home.

    That’s why MoneyMutual has become a trusted choice for those seeking the best payday cash advance loans online — it simplifies the process by bringing together borrowers and vetted lenders in a single, secure platform.

    Direct Lenders vs. Loan Aggregators

    It’s important to understand the distinction between direct lenders and loan brokers (aggregators). Direct lenders provide the funds themselves and communicate directly with the borrower about terms, repayment, and service.

    Platforms like MoneyMutual connect borrowers only with direct lenders, ensuring a streamlined, transparent experience with no unnecessary middlemen.

    Facing a financial emergency? Get up to $5,000 fast with MoneyMutual—no fees, no obligation. Apply today and access funds as soon as tomorrow!

    Spotlight on MoneyMutual: How It Works & Why It’s Trusted

    What Is MoneyMutual?

    MoneyMutual is an online lending marketplace — not a direct lender — that connects borrowers to a network of trusted, licensed lenders who specialize in short-term cash advance loans. Since its inception, it has served over 2 million customers, building a strong reputation for fast, accessible financial matchmaking for those facing urgent monetary needs.

    Its platform is designed to help users find the nearest direct lenders online without going through tedious research or risky third-party referral sites.

    Key Benefits of Using MoneyMutual

    • Free to Use: There are no fees tosubmit your loan request through MoneyMutual. The service is 100% free for borrowers.
    • Fast Matching: Within minutes of submitting your information, you could be matched with one or more qualified lenders.
    • Secure Platform: MoneyMutual uses AES 256-bit encryption to protect your sensitive personal and financial data.
    • Wide Eligibility Range: The platform supports a diverse range of lenders willing to work with bad credit, no credit, or even recent financial setbacks.
    • No Obligation: You are never required to accept a loan offer. You can simply walk away if the terms don’t suit your needs.

    Disclaimer: While MoneyMutual does not make lending decisions, it enables users to explore multiple offers from licensed lenders. Borrowers should carefully review loan terms, interest rates, and repayment periods before accepting any offer.

    Step-by-Step: How MoneyMutual Works

    Submit a Secure Loan Request

    You’ll start by filling out a short online form on the official MoneyMutual website. It takes less than five minutes and requires basic information like:

    • Full name and contact info
    • Monthly income (minimum $800/month required)
    • Employment status
    • Active checking account details
    • Age and U.S. residency status

    Get Matched With Lenders

    Once your information is verified, MoneyMutual uses its algorithm to match you with direct lenders that fit your profile. This ensures you only receive loan offers you’re more likely to qualify for — saving time and stress.

    Review and Accept Terms

    You’ll be redirected to the lender’s website to view the complete loan offer, including:

    • Loan amount (typically up to $5,000)
    • Interest rate and fees
    • Repayment schedule
    • Late payment or rollover terms

    If you like the terms, you can accept electronically and move forward with the disbursement.

    Receive Funds

    Once accepted, funds are often transferred to your checking account within 24 business hours, depending on the lender’s processing timelines.

    Disclaimer: Funding times may vary. Not all users will qualify for same-day deposit. Always confirm details with your matched lender.

    Why Users Trust MoneyMutual

    • Featured in national media for its transparency and simplicity
    • Over 2 million borrowers served since launch
    • User reviews highlight its ease of use and effectiveness during emergencies
    • Compliant with Online Lenders Alliance (OLA) best practices

    MoneyMutual stands out by removing friction from the borrowing process — streamlining the way individuals in financial distress get connected to real solutions.

    Bad credit? No problem. See if you qualify for a payday loan in minutes with MoneyMutual. It’s free, secure, and takes less than 5 minutes to apply.

    Eligibility and Application Process: What You Need to Qualify

    Who Can Apply for a Payday Loan Through MoneyMutual?

    One of the biggest advantages of using MoneyMutual is the minimal barrier to entry. You don’t need perfect credit or a lengthy financial profile. Instead, lenders prioritize your ability to repay the loan based on your current income and banking status.

    Here are the basic eligibility requirements to get started:

    • Be at least 18 years of age
    • Earn a verifiable income of at least $800/month
    • Have an active checking account
    • Be a U.S. resident

    If you meet these four criteria, you are eligible to submit your request through MoneyMutual and be connected with direct payday lenders willing to review your application — even if your credit is less than perfect.

    Disclaimer: Meeting basic eligibility requirements does not guarantee a loan offer. Each lender has their own underwriting criteria and may evaluate additional factors.

    The Online Application Process: Step by Step

    1. Visit the Official Website

    Head to MoneyMutual.com to begin your loan request. Always confirm you’re on the official site to avoid phishing attempts.

    2. Fill Out the Secure Form

    Provide accurate information about your employment, income, banking details, and contact info. This step usually takes less than 5 minutes.

    3. Submit Your Information

    Once submitted, your request will be evaluated and passed through MoneyMutual’s lender network in real time.

    4. Get Matched With Potential Lenders

    If you’re a fit, one or more lenders may extend loan offers. You’ll be directed to their sites to review terms.

    5. Accept the Loan Terms

    You can read through the offer details — loan amount, APR, repayment date, fees — and accept if it suits your needs.

    6. Receive Funds

    Funds may be deposited into your bank account within 24 hours, depending on the lender and when you accept the offer.

    Disclaimer: Application to funding timelines may vary. Submissions made outside business hours or on weekends may be delayed.

    What Happens If You’re Not Approved?

    Even if no lender offers you a loan initially, there’s no penalty. You can reapply when your income increases, your banking situation improves, or additional lenders join the network.

    MoneyMutual is not a decision-maker — it’s a tool that opens the door to a broader pool of online payday loans from direct lenders who each have their own criteria.

    Tips to Improve Your Approval Odds

    • Use a checking account that’s been open for more than 90 days
    • Make sure your income is verifiable (e.g., through pay stubs or direct deposit history)
    • Avoid typos or errors in your application — incorrect banking info is a common delaycause
    • Apply during weekday business hours for the fastest turnaround

    Get emergency funds fast—apply now through MoneyMutual’s secure platform and connect with verified payday lenders today.

    Loan Details and Considerations: Terms, Limits & Important Disclaimers

    How Much Can You Borrow Through MoneyMutual’s Lender Network?

    Borrowers using MoneyMutual may be eligible to receive loan offers ranging from $100 to $5,000, depending on the lender’s policies, your income level, and the state in which you reside. Many first-time borrowers may qualify for smaller amounts, with larger loans potentially available for returning or higher-income applicants.

    Disclaimer: Loan amounts are determined by individual lenders based on your profile. Not all borrowers will qualify for the maximum amount.

    Understanding Payday Loan Terms and Fees

    Unlike traditional bank loans, payday loans are short-term financial instruments, usually due in full on your next payday. Repayment timelines typically range from 7 to 30 days, although some lenders may offer extended repayment options through installment structures.

    Expectations around repayment may include:

    • Full repayment by next payday
    • Interest rates (APR) that vary by lender
    • Flat service fees or rollover penalties (where allowed by law)

    Disclaimer: Interest rates and fee structures vary based on the lender and your location. Always read your loan agreement in full before signing.

    Interest Rates: What You Should Know

    Payday loans often carry higher APRs than conventional loans due to their short duration and increased risk profile. While this is a standard feature of cash advance lending, it’s critical that borrowers understand how rates translate into actual repayment amounts.

    For example, a $500 loan with a 15% fee due in two weeks would require a repayment of $575 — not including any late fees if payment is missed.

    Disclaimer: Always verify the actual interest rate, total repayment amount, and any penalty fees before accepting a loan. Terms can vary by lender and are subject to change.

    Flexible vs. Fixed Loan Structures

    Some lenders in the MoneyMutual network may offer installment payday loans, which allow repayment over a longer period with fixed payments. This may be more manageable for borrowers who can’t repay the full amount on their next paycheck.

    Other lenders may stick to the classic lump-sum payday loan, which requires repayment in full on your next pay date. Always consider your cash flow when choosing a loan structure.

    Loan Renewal and Rollovers

    Not all lenders allow renewals or rollovers (extending the loan for an additional fee). In states where it’s permitted, borrowers may have the option to defer payment — but this can significantly increase the overall cost of the loan.

    Disclaimer: Rollover availability depends on local laws and the lender’s internal policies. Use with caution, as repeated rollovers can lead to a cycle of debt.

    Pricing Disclaimer

    Prices, interest rates, and repayment terms vary based on individual lender policies.

    Bills piling up? Don’t wait. Submit your free payday loan request through MoneyMutual and get matched with real lenders fast—no upfront fees.

    Advantages of Using MoneyMutual: Speed, Access, and Trust

    Fast Access to Emergency Funds

    One of the most compelling benefits of using MoneyMutual is how quickly borrowers can access funds. In emergencies where time is critical — like overdue rent, medical co-pays, or urgent car repairs — waiting days or weeks for a traditional loan simply isn’t an option.

    With online payday loans from direct lenders, users may receive funds in as little as 24 hours, depending on when their loan is approved. For many, that speed makes the difference between stability and spiraling into further financial hardship.

    Disclaimer: While many users report fast deposit times, funding is not guaranteed within 24 hours and varies by lender, business hours, and banking partners.

    Available for Borrowers With Bad or No Credit

    Unlike traditional banks that prioritize credit scores, MoneyMutual’s lender network evaluates applicants primarily based on income and checking account history. This creates an accessible path for people with:

    • Low or poor credit scores
    • No credit history
    • Past financial difficulties
    • Recent employment changes

    By connecting users to direct payday lenders open to nontraditional credit profiles, MoneyMutual empowers more people to access emergency funding with fewer obstacles.

    Secure and Confidential

    Trust and security are central to MoneyMutual’s brand. The platform uses AES 256-bit encryption to ensure that all personal and financial information is protected during transmission. Plus, the site never stores your sensitive banking details after the match is complete.

    Privacy is respected throughout the process. Only lenders who are actively considering your request gain access to your data — not random third parties.

    No Hidden Fees or Application Charges

    Submitting a loan request on MoneyMutual.com is 100% free. You are under no obligation to accept a loan if the terms don’t work for you. The platform earns compensation only from participating lenders, not from borrowers.

    • No upfront fees
    • No credit pull required to request a match
    • No obligation to proceed if you don’t like your options

    Strong Reputation and User Satisfaction

    With over 2 million customers served and consistent online visibility, MoneyMutual has developed a reputation for reliability in the payday lending space. Borrowers often cite the following as reasons they return:

    • Ease of use and intuitive interface
    • Fast loan matching with real-time decisions
    • A wide selection of reputable lenders
    • Clear, upfront loan terms

    Disclaimer: User experiences may vary. Reviews are individual and not a guarantee of future outcomes.

    Need cash before payday? Apply today with MoneyMutual to access short-term loans up to $5,000 with no hidden fees or obligations.

    Responsible Borrowing & Alternatives: What to Know Before You Commit

    Using Payday Loans the Right Way

    While payday cash advance loans can be a valuable tool during emergencies, they should always be used with care and only for short-term financial gaps. Payday loans are not designed to cover ongoing expenses or long-term financial issues, and borrowers should avoid rolling over or stacking multiple loans at once.

    Here are situations when a payday loan may be appropriate:

    • A one-time, unexpected bill before payday
    • A temporary lapse in income
    • A time-sensitive car or medical expense
    • Avoiding costly overdraft or late fees

    Disclaimer: Payday loans are not intended to be long-term financial solutions. Overuse can lead to debt cycles and additional financial stress.

    Recognizing the Risks

    Though convenient, payday loans carry higher interest rates and shorter repayment windows, which can be difficult for some borrowers to manage. If you’re unsure about your ability to repay on time, it’s crucial to explore alternatives or speak with a financial counselor.

    Potential risks include:

    • High APRs (annual percentage rates)
    • Additional fees for late payments
    • Limited ability to extend or restructure terms
    • Risk of overdrawing your bank account if repayment is automated

    Disclaimer: Always review the full loan agreement, including the APR, fee schedule, and payment terms before proceeding with any cash advance offer.

    Alternatives to Payday Loans

    Before deciding to borrow, consider exploring other options that may provide similar relief without the same level of financial risk. Here are a few alternatives:

    Credit Union Personal Loans

    Credit unions often provide small-dollar loans at more affordable interest rates — and may be more flexible about credit history.

    Employer Pay Advance Programs

    Some companies offer early access to earned wages through apps or in-house payroll programs — usually with no interest.

    Community Assistance or Nonprofits

    Local community organizations may help cover utility bills, rent, or medical expenses for those in need.

    Borrowing From Family or Friends

    Though not ideal for everyone, borrowing a small amount from someone you trust may help avoid fees and interest altogether.

    Setting Yourself Up for Success

    If you do move forward with a payday loan through MoneyMutual, protect your financial well-being by:

    • Borrowing only what you need
    • Ensuring you can repay on time
    • Reading all loan disclosures
    • Avoiding renewals or rollovers when possible
    • Tracking your repayment date carefully

    MoneyMutual encourages borrowers to understand their financial situation fully before agreeing to any short-term loan. While the platform is designed to provide rapid relief, financial education and planning remain essential to long-term stability.

    Skip the stress. Apply with MoneyMutual and get matched with trusted direct lenders offering fast cash—even with poor credit.

    Responsible Borrowing & Alternatives: What to Know Before You Commit

    When a Payday Loan Makes Sense

    Payday loans can be a useful tool in certain situations — especially when unexpected expenses arise and other financial options aren’t available. For instance, they may be appropriate when:

    • You have a one-time emergency expense
    • You’re confident you can repay the loan in full by your next payday
    • You’ve exhausted alternatives like credit cards or savings
    • You need a small loan fast to avoid late fees, overdrafts, or service interruptions

    But payday loans should be viewed as temporary financial tools, not long-term solutions. Repeated use or reliance on short-term loans can lead to a cycle of debt that becomes harder to escape over time.

    Disclaimer: Payday loans are not designed for long-term financial relief. Borrowers are encouraged to explore all available options before committing to any high-interest lending solution.

    Red Flags and Risk Factors

    Before accepting a payday loan, it’s important to understand the risks:

    • High APRs: Short-term loans often carry annual percentage rates far higher than traditional bank loans
    • Debt Trap Potential: If you can’t repay on time and rollover options aren’t available, your debt can grow quickly
    • Limited Consumer Protections: Payday lending regulations vary by state; not all lenders offer the same safeguards

    This is why MoneyMutual encourages users to review loan terms carefully and only proceed with offers they understand and can afford to repay.

    Alternatives to Payday Loans

    If a payday loan doesn’t feel like the right fit, there are other options that may be worth exploring:

    Credit Union Personal Loans

    Credit unions often offer smaller-dollar personal loans with lower interest rates than payday lenders, especially for members with modest credit scores.

    Employer Cash Advance Programs

    Some employers provide short-term paycheck advances with no interest. It’s worth checking if such a benefit exists in your workplace.

    Nonprofit and Community Programs

    Local nonprofit organizations or faith-based groups sometimes offer emergency financial assistance or zero-interest loans to qualifying families.

    Family or Friends

    Although not ideal for everyone, borrowing from someone you trust may avoid interest entirely. Be sure to put repayment terms in writing to avoid misunderstandings.

    Financial Counseling Support

    If you find yourself frequently using payday loans, it may be a signal to seek support from a certified financial counselor. Many nonprofit credit counseling agencies provide:

    • Budgeting assistance
    • Debt management plans
    • Financial education resources

    These services can help break the dependency on high-interest lending and put you on a path toward financial stability.

    Disclaimer: Counseling services are not affiliated with MoneyMutual. Borrowers should research providers independently before engaging with any financial advisory service.

    Time-sensitive bills? Get matched in minutes to licensed lenders who can deposit funds in 24 hours. Apply with MoneyMutual now!

    Avoiding Scams and Ensuring Safety: Stay Protected When Borrowing Online

    Why Scam Awareness Is Critical in the Online Lending Space

    With the rise of online payday loan platforms comes an unfortunate increase in scam operations posing as legitimate lenders. These bad actors often exploit financial desperation by promising fast cash, then demanding upfront fees, harvesting personal information, or locking victims into predatory agreements.

    Knowing the difference between a real offer and a fake one is essential — especially when you’re in a vulnerable financial position. Using a reputable connector platform like MoneyMutual helps eliminate much of this risk by only working with licensed, vetted direct lenders.

    Common Signs of Payday Loan Scams

    Here are key red flags that may indicate a payday loan scam:

    • Upfront feesrequired before you receive the loan
    • Requests for gift cards or crypto as a payment method
    • Unsecured email addresses or suspicious-looking websites
    • High-pressure tactics, like “offer expires in 30 minutes”
    • Asking for sensitive information via text or unverified email

    Legitimate lenders will never ask you to send money to receive money or pressure you into a contract without giving you time to review the terms.

    Disclaimer: Always verify the legitimacy of a lender by checking reviews, licenses, and official contact channels. When in doubt, do not proceed.

    How MoneyMutual Keeps Borrowers Safe

    MoneyMutual prioritizes consumer protection with several key safety measures:

    • Encrypted data transmission using AES 256-bit SSL encryption
    • No upfront payment required to request a loan match
    • No guarantee of approval, which protects users from false promises
    • Only licensed lenders are part of its internal network
    • No follow-up contact unless initiated by the lender directly

    In fact, MoneyMutual explicitly states that it will never contact you to request repayment, collect money, or guarantee a loan. If someone does so while claiming to be from MoneyMutual, you’re likely dealing with a fraudster.

    What to Do If You Encounter a Scam

    If you believe you’ve been targeted or scammed, take action immediately:

    • Do not send any money or provide further personal info
    • Contact your bank to freeze or monitor your accounts
    • Report the incident to the Federal Trade Commission (FTC)
    • Call the Online Lenders Alliance (OLA) Consumer Hotline
    • Document the communication (screenshots, emails, texts) in case law enforcement follows up

    MoneyMutual can connect you with trusted payday lenders online within minutes. It’s free to apply, takes less than 5 minutes, and could put up to $5,000 in your bank account by tomorrow. Don’t wait—secure your short-term cash loan now and breathe easier.

    Conclusion: Making an Informed Decision About Emergency Lending

    Recapping the Journey: From Financial Stress to Smart Solutions

    Financial emergencies can feel overwhelming — especially when your savings are low, your credit score is struggling, and bills are stacking up fast. In those moments, having access to a reliable, fast, and secure lending network can make a significant difference.

    That’s exactly where MoneyMutual excels: by offering a streamlined, no-cost way to connect users to trusted direct payday lenders online — all within minutes, and with no obligation to accept a loan unless the terms work for you.

    Whether you’re facing a sudden medical bill (non-life-threatening), urgent car repairs, or unexpected child care costs, short-term cash advance loans offer temporary relief — provided they are used responsibly.

    Final Thoughts: Responsible Borrowing and Smart Alternatives

    As emphasized throughout this article, payday loans are not a long-term financial solution. They should be treated as a short-term resource when no other lower-cost options are available. Repeated reliance can lead to more financial strain if repayment is missed or deferred.

    However, when used wisely and in moderation, these loans can provide a critical financial lifeline during difficult times.

    Remember:

    • Always review the full loan agreement before signing
    • Never agree to terms you don’t fully understand
    • Use payday loans to solve urgent problems, not to fund ongoing expenses
    • Compare offers when possible and ask questions if anything seems unclear

    And most importantly: if you feel unsure, seek guidance from a financial counselor or nonprofit advisory service to understand all your options before moving forward.

    Disclaimer: This article is for informational purposes only and does not constitute financial or legal advice. Individual circumstances may vary. Always consult a financial professional for personalized guidance.

    Pricing and Offer Reminder

    Disclaimer: Loan offers, interest rates, and terms are determined by the individual lender and may vary. Always verify final pricing, fees, and repayment conditions directly through the official MoneyMutual website, as terms are subject to change at any time.

    Whether it’s overdue rent or a surprise medical bill, MoneyMutual is your trusted source for short-term payday loans online. Apply now to connect with lenders who are ready to fund your loan quickly and privately — even if you have bad credit.

    Frequently Asked Questions (FAQs)

    What is the best payday cash advance loan online?

    The best payday cash advance loan online is one that offers fast approval, direct deposit, and clear repayment terms, even if you have bad credit. MoneyMutual connects you with a network of trusted direct lendersofferingshort-term loans up to $5,000, with no upfront fees and fast processing — often within 24 hours.

    Can I get a payday loan with bad credit?

    Yes, many online payday lenders for bad credit prioritize your income over your credit score. Through platforms like MoneyMutual, borrowers with low or no credit history can still qualify for emergency cash loans by meeting simple criteria like regular income and an active bank account.

    How fast can I get cash from a payday loan?

    If approved, you could receive your cash advance in as little as 24 hours. Timing depends on the lender’s processing window, the day/time you apply, and your bank’s deposit policies. Many direct lenders offer same-day payday loans when applications are submitted during business hours.

    Are online payday loans from direct lenders safe?

    Yes — as long as you use verified platforms like MoneyMutual, which only connect borrowers to licensed direct payday lenders. MoneyMutual uses AES 256-bit encryption and complies with Online Lenders Alliance (OLA) best practices to ensure your data is protected and your lender is legitimate.

    What are the eligibility requirements for an online payday loan?

    To qualify for most online payday cash advance loans, you must:

    • Be at least 18 years old
    • Have a steady income of at least $800/month
    • Own an active checking account
    • Be a U.S. resident

    These basic criteria give you access to the nearest direct lenders online without traditional credit checks.

    How much can I borrow with a payday cash advance?

    Loan amounts typically range from $100 to $5,000, depending on the lender and your financial profile. Some borrowers may qualify for higher amounts on future loans if repayment history is strong and income supports larger requests.

    Is there a fee toapply for a payday loan on MoneyMutual?

    No, MoneyMutual is completely free for borrowers. You can fill out one secure application and get matched with lenders without paying anything upfront. There is no obligation to accept any loan offer presented to you.

    Do payday loans affect my credit score?

    Most online payday loans from direct lenders don’t involve hard credit checks and therefore won’t impact your credit score. However, missed payments or defaulting could be reported to collection agencies and may indirectly affect your credit over time.

    Can I get a payday loan online without a credit check?

    Yes, many lenders in the MoneyMutual network offer payday loans with no hard credit check. These loans are based on income and bank activity, making them accessible for those with poor credit or limited credit history.

    What happens if I can’t repay a payday loan on time?

    Failing to repay your payday loan on time can lead to late fees, increased interest, and potential collection activity. Some states allow rollovers, but this can increase your total debt.

    Money short before payday? Get help now. Use MoneyMutual to request a loan today—quick, private, and free to use

    • Company: MoneyMutual
    • Email: customerservice@moneymutual.com
    • Phone Support: 844-276-2063

    Legal Disclaimer

    The information contained in this article is provided for general informational purposes only and should not be construed as financial, legal, or professional advice. While all reasonable efforts have been made to ensure the accuracy, timeliness, and completeness of the content, no guarantees are made with respect to its reliability or applicability to individual circumstances. The publisher and its syndication partners disclaim all liability for any loss or damage resulting from reliance on this content, including but not limited to typographical errors, inaccuracies, outdated information, or omissions.

    THE OPERATOR OF THIS WEBSITE IS NOT A LENDER, does not arrange, facilitate, or broker loans to lenders, and does not make short-term cash loans or credit decisions. It is not an agent, representative, arranger, facilitator, or broker of any lender and does not endorse, recommend, or promote any lender or financial product. No fees are charged to consumers for the use of this website or the content herein.

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    Cash advance loans should only be used to meet short-term financial needs and are not intended as long-term financial solutions. Not all lenders can provide loans up to $5,000, and cash transfer times vary depending on the lender and financial institution. This lending service may not be available in all states and is not available in Connecticut, New York, or to New York borrowers due to applicable state laws. Users are advised to contact their lender directly for information related to their loan, terms, or specific questions.

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    The MIL Network –

  • MIL-OSI: Trackinsight Releases 2025 Global ETF Survey: ETF Industry on Overdrive: Shifting Gears, Breaking New Barriers

    Source: GlobeNewswire (MIL-OSI)

    Trackinsight, in partnership with J.P. Morgan Asset Management and S&P Dow Jones Indices, is proud to announce the launch of its sixth annual global ETF survey report: ETF Industry on Overdrive: Shifting Gears, Breaking New Barriers.

    Hong Kong, May 13, 2025 – Trackinsight, a global leader in ETF research and analytics, today announced the release of its Global ETF Survey 2025 Report, ETF Industry on Overdrive: Shifting Gears, Breaking New Barriers, in partnership with J.P. Morgan Asset Management and S&P Dow Jones Indices.

    The global ETF engine is accelerating—and this year’s report captures every twist, turn, and acceleration along the way.

    Drawing on insights from over 600 professional investors managing more than $1.1 trillion in ETF assets globally, and powered by Trackinsight’s extensive database of over 12,000 ETPs, the report delivers a comprehensive and forward-looking analysis of the ETF landscape.

    What’s inside?

    • Regional analysis covering major developments in Europe, Asia, and North America.
    • Key trends across active management, fixed income, thematic investing, ESG strategies, cryptocurrencies, and the accelerating rise of income- and options-based ETFs.
    • Over 80 bold predictions for ETF market for 2025 and beyond from influential industry leaders.

    “ETFs didn’t just make investing easier—they sparked a global revolution. Today, they are powering a new era of clarity, innovation, and opportunity for investors everywhere. ETF Industry on Overdrive captures this extraordinary acceleration—and offers a glimpse into the future of our industry,” said Philippe Malaise, CEO of Trackinsight.

    Key Survey Respondents’ Insights:

    • ETF Adoption: Respondents primarily turn to ETFs for diversification, cost efficiency, and ease of trading. When selecting products, they prioritize performance, fees, liquidity, and the reputation of the provider, while ESG considerations tend to be secondary.
    • Active Management: Use of active ETFs is rising, driven by lower fees compared to mutual funds, greater transparency, and the potential for outperformance, particularly in equities and fixed income. While concerns about track records and consistent performance remain, nearly 70% of respondents plan to increase their allocations to active ETFs over the next six months.
    • Fixed Income: Corporate and government bond ETFs are the top choices, with respondents showing a balanced preference between active and passive strategies. 80% of respondents also plan to boost their exposure to actively managed fixed income ETFs in the coming months.
    • Thematic: Respondents use thematic ETFs mainly for diversification and to make long-term strategic investments, particularly in disruptive technology and digital infrastructure. Liquidity, cost, and risk-return profiles are the key selection factors, and more than half of respondents intend to increase their allocations to thematic ETFs.
    • ESG: Investments in ESG ETFs are largely driven by personal convictions and environmental priorities. However, greenwashing and transparency concerns remain major challenges. There is a strong preference for active ESG strategies, with more than half of respondents planning to increase their ESG ETF allocations — especially among European investors.
    • Cryptocurrency: Crypto ETFs generally represent a small portion of portfolios, used mainly for diversification and long-term value appreciation. Respondents cite ease of access, regulatory protection, and security as key reasons for favoring ETFs over direct ownership, and nearly 60% plan to increase their allocations.
    • Income and Options-Based Strategies: Dividend and fixed income ETFs continue to be primary tools for generating income, with growing interest in options-based strategies like covered calls and buffered products. Around 60% of respondents expect to increase investments in options ETFs alongside broader income-focused allocations.

    “2025 is the year of active ETFs,” said Travis Spence, Global Head of ETFs at J.P. Morgan Asset Management. “In an environment defined by persistent market uncertainty, our newest Trackinsight Survey shows a decisive shift toward active strategies. Investors are seeking greater precision, adaptability, and risk-aware performance—and active ETFs are meeting that demand in core equities and fixed income. Over 90% of investors surveyed are planning to increase or maintain allocations to active ETFs.

    “The role of financial indices within the ETF industry continues to evolve and are increasingly used as a powerful tool of innovation for institutional investors.” said Robert Ross, Chief Commercial Officer at S&P Dow Jones Indices.

    In addition to the full study, Trackinsight have released a condensed digest summarizing key insights from the 2025 Global ETF Survey—also available at trackinsight.com.

    About Trackinsight

    Trackinsight, a subsidiary of Kepler Cheuvreux, is a global platform for professional ETF investors, delivering top-tier data, tools, research, and expertise for advanced fund selection and portfolio optimization.

    Media Inquiries

    Trackinsight
    Please contact Rony Abboud, at rony.abboud@trackinsight.com

    J.P. Morgan Asset Management
    For media inquiries in APAC, please contact Kathleen Wang at kathleen.w.wang@jpmorgan.com.

    The MIL Network –

  • MIL-OSI USA: Tuberville, Moran Work to Support Local Broadcasters

    US Senate News:

    Source: United States Senator Tommy Tuberville (Alabama)
    WASHINGTON – U.S. Senator Tommy Tuberville (R-AL) joined U.S. Senator Jerry Moran (R-KS) in sending a letter to Federal Communications Commission (FCC) Chairman Brendan Carr urging him to modernize ownership regulations to empower local broadcasters so that they may compete with today’s media giants.
    “The fast-evolving media marketplace has made broadcast ownership regulations in urgent need of modernization,” the Senators wrote. “By modernizing broadcast ownership restrictions, the FCC can empower broadcasters to fulfill their essential role in American democracy, foster local journalism, and benefit local communities and the public interest.”
    “Now is the time for swift FCC action to level the playing field for local broadcasters by modernizing the broadcast ownership rules. As newspapers continue to shutter across our country, local broadcasting remains the last bastion of trusted news for local communities. But creating news requires substantial resources: without the opportunity to combine or expand operations, broadcasters struggle to invest in journalism, retain sufficient newsroom staff, and strain to compete against their unregulated global Big Tech competitors,” they continued.
    Sens. Tuberville and Moran were joined by Sens. John Barrasso (R-WY), Marsha Blackburn (R-TN), John Boozman (R-AR), Ted Budd (R-NC), Shelley Moore Capito (R-WV), Susan Collins (R-ME), John Cornyn (R-TX), Kevin Cramer (R-ND), John Curtis (R-UT), Steve Daines (R-MT), Joni Ernst (R-IA), Chuck Grassley (R-IA), John Hoeven (R-ND), James Lankford (R-OK), Cynthia Lummis (R-WY), Pete Ricketts (R-NE), Tim Sheehy (R-MT), Tim Scott (R-SC), Dan Sullivan (R-AK), and Todd Young (R-IN) in signing the letter. 
    Read full text of the letter below or here. 
    “Dear Chairman Carr,
    We urge you to modernize the FCC’s broadcast ownership rules to enable local broadcasters to compete with today’s media giants.
    The fast-evolving media marketplace has made broadcast ownership regulations in urgent need of modernization. Such regulations originated in the 1940s, and while the FCC has made modest adjustments since then, broadcast ownership rules today remain nearly the same as they were in the 1990s. Despite modest tweaks, these rules fail to account for the rise in digital platforms, streaming services, smartphones, and social media. Local broadcasters now vie for audience, content, and advertising not just with each other, but with the world’s largest tech companies. The regulations, designed for a bygone era, no longer reflect this society.
    Technology firms have reshaped how Americans access news, entertainment, and vital information, dominating the media marketplace in ways that threaten the survival of local broadcasters. Yet broadcasters remain unmatched in delivering trusted, accurate reporting – a role more critical than ever as newspapers vanish nationwide. Surveys consistently show Americans trust local news above all other sources. From holding governments accountable to boosting civic engagement and providing lifesaving updates during crises – whether public safety threats or severe weather – broadcasters are first to respond and last to leave. They do so, however, under a regulatory burden that ties one hand behind their back.
    Now is the time for swift FCC action to level the playing field for local broadcasters by modernizing the broadcast ownership rules. As newspapers continue to shutter across our country, local broadcasting remains the last bastion of trusted news for local communities. But creating news requires substantial resources: without the opportunity to combine or expand operations, broadcasters struggle to invest in journalism, retain sufficient newsroom staff, and strain to compete against their unregulated global Big Tech competitors. By modernizing broadcast ownership restrictions, the FCC can empower broadcasters to fulfill their essential role in American democracy, foster local journalism, and benefit local communities and the public interest.
    We encourage you to act swiftly. Updating these rules will strengthen local journalism, enhance public interest, and ensure broadcasters can compete in a digital age, not just survive it.
    Sincerely,”
    Senator Tommy Tuberville represents Alabama in the United States Senate and is a member of the Senate Armed Services, Agriculture, Veterans’ Affairs, HELP and Aging Committees.

    MIL OSI USA News –

  • MIL-OSI USA: Tuberville, Barrasso Push for Pro-Growth Tax Reductions, Lower Prices for Small Businesses

    US Senate News:

    Source: United States Senator Tommy Tuberville (Alabama)
    WASHINGTON – U.S. Senator Tommy Tuberville (R-AL) joined U.S. Senator John Barrasso in introducing The Growing America’s Small Businesses and Manufacturing Act. This legislation will boost investment in further developing America’s manufacturing capabilities and help small businesses, farmers, and producers purchase the equipment and supplies they need to build their operations and support their employees. 
    Specifically, this bill will reduce the tax burden for business owners purchasing equipment—including machinery, farming equipment, energy infrastructure, building upgrades, commercial vehicles, mining equipment, and more. This allows business owners to invest more into employee salaries, materials, and other critical business expenditures. 
    “I’ve said it many times—small businesses are the heart and soul of the American economy,” said Sen. Tuberville. “Enabling Alabama’s over 420,000 small businesses to thrive is one of my top priorities here in Washington. Small businesses face an uphill challenge with heightened regulation and insane prices. Reducing taxes for these business owners will go a long way in lifting the burden they often face when purchasing crucial equipment needed to keep their doors open.”
    “Wyoming’s small businesses are what keeps our economy going strong. We want to make sure they have every opportunity to succeed,” said Sen. Barrasso. “Right now, they face an uphill battle with high prices and a mountain of new regulations. The Growing America’s Small Businesses and Manufacturing Act will go a long way in helping Wyoming’s farmers, ranchers and small businesses expand their operations, better compete and hire more workers.” 
    Sens. Tuberville and Barrasso are joined by Sens. Marsha Blackburn (R-TN), Katie Britt (R-AL), Shelley Moore Capito (R-WV), Ted Cruz (R-TX), Steve Daines (R-MT), John Hoeven (R-ND), James Lankford (R-OK), Pete Ricketts (R-NE), Tim Sheehy (R-MT), and Todd Young (R-IN) in cosponsoring the legislation.
    National Association of Manufacturers, National Federation of Independent Business, Restore American Investment Now (RAIN) Coalition, Business Roundtable, USTelecom, American Forest & Paper Association, American Exploration & Production Council, National Restaurant Association, Equipment Leasing and Finance Association, National Railroad Construction and Maintenance Association, Small Business Investor Alliance, American Car Rental Association, National Tooling and Machining Association, Forging Industry Association, American Mold Builders Association, Independent Electrical Contractors, Industrial Fasteners Institute, Precision Machined Products Association, Non-Ferrous Founders’ Society, North American Die Casting Association, and Precision Metalforming Association endorsed the legislation.
    Read full text of the legislation here. 
    BACKGROUND:
    The Growing America’s Small Businesses and Manufacturing Actdelivers two pro-growth tax proposals that will boost investment in capital-intensive industries like manufacturing, energy production, and agriculture.
    Expanded Business Interest Deduction:
    The first reform addresses the additional limitation on business interest deductions that went into effect in 2022, restoring business flexibility and investment potential.
    The bill revises the limitation from 30% of a business’s Earnings Before Interest and Taxes (EBIT), back to 30% of Earnings Before Interest, Taxes, Depreciation, Amortization, and depletion (EBITDA).
    This protects businesses from being punished for investing in new machinery, capital equipment, mining, drilling, and research and development (R&D).
    Enhanced Small Business Expensing:
    The second provision expands Section 179, which allows taxpayers to deduct the cost of certain business assets in the year they are purchased rather than depreciating them over time.
    Under the 2017 Tax Cuts and Jobs Act, the maximum deduction amount was increased to $1 million from $500,000, helping small businesses acquire the equipment needed to expand operations.
    The bill builds on this success by lifting the deduction cap to $2.5 million, accelerating small businesses’ access to capital.
    The provision covers a wide range of eligible expenses, including machinery, mining tools, farming implements, energy production equipment, commercial vehicles, building upgrades, and other critical investments.
    MORE:
    Tuberville, Colleagues Celebrate Small Businesses During Small Business Week
    Tuberville, Crapo Introduce Legislation to Level Playing Field for Alabama Sporting Equipment Businesses
    Tuberville Reintroduces Legislation to Repeal Corporate Transparence Act, Protect Small Businesses
    Tuberville Fights to Give Small Businesses a Tax Break
    Senator Tommy Tuberville represents Alabama in the United States Senate and is a member of the Senate Armed Services, Agriculture, Veterans’ Affairs, HELP and Aging Committees.

    MIL OSI USA News –

  • MIL-OSI Australia: Backing businesses during Light Rail Stage 2A and across the ACT

    Source: Australian National Party

    As part of ACT Government’s ‘One Government, One Voice’ program, we are transitioning this website across to our . You can access everything you need through this website while it’s happening.

    Released 12/05/2025 – Joint media release

    The ACT Government has today announced a targeted business support package to assist local businesses impacted by construction works for the Light Rail to Commonwealth project in and around London Circuit.

    The package includes practical and financial support informed by what we’ve heard from the businesses and designed to help during the disruption, with a focus on easing cost pressures and encouraging visitation to the area.

    Minister for Transport Chris Steel said the support recognises the real challenges facing businesses as the city delivers a once-in-a-generation infrastructure upgrade.

    “Light Rail is transforming our CBD as a vibrant and well-connected place to do business. However, we know that with construction of this part of the line there is an impact on nearby business particularly hospitality businesses,” Minister Steel said.

    “This package builds on the business partnership plan we have already put in place to support businesses during the construction.

    “The best thing that Canberrans can do right now to support businesses in the city is to get out and visit them. The businesses are open and we are encouraging Canberrans to support them through the measures announced today.”

    Light Rail Stage 2A business support measures include:

    • Effective immediately, free parking Wednesday to Sunday evenings from 5:30 pm, at nearby public car parks:
      • Theatre Lane Car Park (opposite Sydney Building)
      • City Hill Car Park (Section 116)
      • Canberra Olympic Pool Car Park (City southeast)
      • Note: The existing parking hours at Hobart Place are already aligned with these times
    • Outdoor dining permit fee waivers from 1 July 2025 for businesses directly impacted by construction activities
    • New CCTV cameras to be installed and upgraded around London Circuit to support safety during night-time trading
    • A campaign launching mid-year to promote that London Circuit is open for business, spotlighting local venues and retailers
    • Delivering place making improvements including additional lighting delivered by the City Renewal Authority
    • Business Capability Building Program offering free tailored advice

    This targeted package will be supported from 1 July by expanded liquor licence fee reductions available to all ACT hospitality businesses up to a 350-person capacity, building on significant reductions introduced in 2024 and delivering on ACT Labor’s commitment to the night-time economy.

    An automatic 50% liquor fee reduction will be expanded to cafes, restaurants and general licences up to 150-person capacity, previously the 50% discount was only applicable to cafes and restaurants up to 80-person capacity.

    A 50% liquor fee reduction will be expanded to venues showcasing artists between 151 to 350-person capacity, available upon application, in addition to the existing fee reduction of 80% for venues up to 150-person capacity.

    Minister for Night-Time Economy Tara Cheyne said supporting the city’s entertainment and hospitality sector is a key focus of the package.

    “Canberra’s city centre is home to some of our most loved bars, restaurants, and performance venues,” Minister Cheyne said.

    “By providing fee relief, enhancing public safety, and backing local activations, we’re helping ensure these businesses remain destinations of choice, even during construction.”

    “These initiatives are designed to encourage locals and visitors alike, to support our incredible hospitality sector. For these businesses, there is no substitute for patronage. I encourage Canberrans to get out across the city to explore and enjoy your favourite bars, restaurants and shops.”

    Minister for Business Michael Pettersson said the package was developed in consultation with traders and industry representatives.

    “We’ve listened to the concerns of local business owners and tailored this package to respond to what they need most,” Minister Pettersson said.

    “This is a practical response designed to ease pressure and maintain confidence in the city centre during construction.”

    Business owners in the London Circuit area will be contacted directly with further information on how to access support, and the Government will continue engaging with stakeholders as the project progresses.

    Visit the Light Rail to Woden website for more information.

    – Statement ends –

    Chris Steel, MLA | Tara Cheyne, MLA | Michael Pettersson, MLA | Media Releases

    «ACT Government Media Releases | «Minister Media Releases

    MIL OSI News –

  • MIL-OSI New Zealand: Growing NZ – now and for the long term

    Source: NZ Music Month takes to the streets

    Tēna koutou kātoa. Greetings everyone. Thanks for coming.

    Thank you Sharesies for making the space available.

    You are exactly the sort of business we need more of to create opportunities for the next generation – Sharesies was started by smart people, who identified a gap in the market, harnessed technology and went about changing the way in which many New Zealanders invest.

    In just a few years you’ve grown from a tiny operation employing a handful of people to a business worth more than half a billion dollars, employing more than 200 people and expanding its reach to Australia. Hopefully, over time you’ll go further. 

    That’s a good news story for the people who work here, for the communities your incomes support, for the customers you serve and for our economy as a whole.  

    Sharesies is also an inspiration to other Kiwi entrepreneurs, including many in New Zealand’s booming Fin-Tech sector, which grew more than 20 per cent in the past year.

    I want to see more successes like this in New Zealand. When New Zealand entrepreneurs and startups do well, they create more and better paying jobs, more tax revenue to support government services, and more opportunities for us all.  

    That mission: driving economic growth and creating the conditions for business success, is at the heart of this year’s Government Budget.  

    Let me be clear, I don’t want growth just for growth’s sake, it’s much more than numbers on a chart for me. I want growth so that our kids, and future New Zealanders can enjoy the better choices, opportunities and standard of living we all aspire to and that too many Kiwis are missing out on today.

    On Thursday next week I’ll set out the full details of our Budget.  It will detail the Government’s specific spending and revenue choices, key new infrastructure investments, the path for borrowing and debt and our plans for strengthening the fundamentals of the New Zealand economy. I’m looking forward to delivering it.

    In a recent speech I detailed the difficult context in which the Government is delivering this year’s Budget.  New Zealand has gone through a tough few years of high inflation, high interest rates and little to no real growth. The Government has been running big deficits and accumulating debt and just as our economic recovery has gotten underway global events have conspired to make things harder.  

    That’s just reality. We can’t wish it away. Nor should we use it as an excuse to shy away from making choices now that will set New Zealand up better for the longer-term. 

    Today I want to talk a bit more about that longer-term picture and detail one specific Budget initiative that shows the Government’s commitment to sustained and long-term growth. 

    Because Budgets shouldn’t just be about the short term – who is getting what. Yes, there are a number of initiatives in the Budget designed to address the immediate issues of the here and now.   

    I am acutely conscious of the cost of living challenges many Kiwis are facing today and the hard yards so many people have gone through over these past few years. It’s essential that our Budget sustains the government services and supports they rely on, even though money is tighter than ever. Our Budget is built on a series of careful choices to ensure that’s possible, that we provide the funding needed for health, education, other vital public services and essential social supports.  

    But, as a responsible Government, we also need to be thinking ahead and addressing the structural challenges confronting our country. Our Budget also takes careful steps to do that, and that’s what I want to speak a bit more about today.  

    There are three key long-term challenges for New Zealand that  I spend a lot of time thinking about: They are productivity, social mobility and the ageing of the population.

    These are issues we need to be awake to now, lest we make life much harder for the people who follow us.  

    Let me make a few remarks about each of these challenges.

    I’ll start with productivity. Productivity is a key indicator of economic performance.  

    The most common measure of productivity is labour productivity which measures output per unit of time worked. 

    In New Zealand labour productivity has averaged just 0.3 per cent a year over the past 10 years. That is low by historic standards and low in comparison with our international peers.

    There’s no doubt Kiwis work hard, and in fact we work relatively big hours. Our challenge historically has been that we just don’t generate as much for that effort as those in some other countries. 

    Our labour productivity levels rank near the bottom of OECD countries, well behind those in Australia, Canada, the United Kingdom and the United States. 

    This rankles me. Not just because I’m competitive by nature, but because I think New Zealand has so much intrinsically going for it when compared to those countries. New Zealand can and must do better in the productivity race. 

    Why does low productivity matter? Because productivity determines how competitive our businesses are. The more competitive businesses are, the more people they can hire and the more money they can pay in salaries and wages. That in turn determines how fast our country can grow, and the revenue we have available for investing in the things that matter – like cancer drugs, education programmes, hospitals and Police.

    What are the causes of New Zealand’s low productivity rates?

    Treasury identifies three key problems. 

    First is low capital intensity, that is the machinery, tools and technology available per worker. More capital per worker typically means higher productivity and wages. The increase in New Zealand’s capital intensity has slowed over time from 1.9 per cent per year between 1997 and 2008 to 0.7 per cent between 2012 and 2023. Basically, our workers have less access to the machinery, innovation and technology that would allow them to be more productive. Our Budget will take steps to address that. 

    Second is low rates of foreign direct investment. This restricts the access Kiwi businesses have to the capital they need to grow and the world-leading know-how they need to thrive.  It slows uptake of innovation and best practices. Our Budget will take steps to address those issues too.  

    Third is export intensity. By international standards relatively few New Zealand businesses derive large portions of their income from exports. This reduces the scale of New Zealand businesses, competition and opportunities to learn. 

    The good news is, despite all the global shenanigans playing out, New Zealand is in the midst of an export-led economy recovery. Dairy farmers, horticulturalists, meat producers, all are doing well. In recent years New Zealand entrepreneurs have broken new ground in fields like space, film and accounting software. 

    Our Government is ambitious to build on this export success – with a stretch goal of doubling New Zealand’s exports by 2030.  Our Budget will take further steps to drive that work forward. 

    The thing with all these underlying productivity challenges is that there’s no quick fix, or easy road to success. It’s about doing lots of things well, over successive Budgets, keeping our eyes on the big prize while we deal with the here and now. 

    Budget initiatives in this area won’t make your household budget bigger today, but, over time, they are essential to growing the household budgets we have in future. 

    The next thing big challenge I want to talk about is social mobility. It’s a very Kiwi concept. The idea that no matter what background you come from, ours should be a country where with hard work and good choices you can have the opportunity to succeed.  

    That’s why our Government is putting so much emphasis on improving education achievement in our schools. Getting back to the basics of reading, writing and maths. And financial literacy too! Those skills are tickets to the game of life. We owe it to each and every Kiwi kid to make sure they leave school with those critical skills. 

    A desire to improve social mobility is also why our Government is revitalising the social investment approach developed by my predecessor Bill English. 

    Successive governments have spent huge sums trying to tackle the entrenched disadvantage that blights lives, pushes up costs for other New Zealanders and fuels criminal offending. 

    In addition to core social supports, government agencies collectively spend around $7 billion per year buying social services designed to deliver better lives for those with particularly challenging lives.

    However, despite the best intentions of all involved, this expenditure cannot be described as a success. There are some fantastic examples of lives being turned around, but the overall picture is grim. Too many Kiwis are trapped in cycles of inter-generational disadvantage.  We are spending more on ambulances at the bottom of the cliff than fences at the top. 

    Data now give us a very good ideal of those at greatest risk. We also know that intervening early increases the prospect of success. There are some incredible community and iwi organisations who know what to do, but too often they’re held back by the frustrations of government bureaucracy and short-termism. 

    We can do much much better here.  

    Shifting a young New Zealander off a life of welfare dependency and, potentially criminal offending, greatly reduces future costs for everyone else. But even more importantly it gives that New Zealander a chance to lead a fulfilling, productive life. We want that for all our kids.

    Later this week I’ll announce an initiative in this year’s Budget that is designed to do just that.  

    The third big challenge I think about is demographic change, more specifically the ageing of our population. 

    Kiwis are living longer – this is something to celebrate, but it also has an economic consequence as we seek to ensure people have the income and financial security they need in retirement. 

    There’s two things I think about here: one is KiwiSaver and the other is Government Superannuation. Let me make a few comments about each. 

    I’m delighted to see how many Kiwis are embracing KiwiSaver as a way of saving – for a first home and to supplement their income in retirement. 

    KiwiSaver membership is high – with more than 3 million members, representing around 96% of the working age population.  Fund balances differ but most working Kiwis choose to make regular contributions to their funds, matched by contributions from their employers.  

    KiwiSaver has become an increasingly important tool for people choosing to buy a first home – with around 42,000 people using their KiwiSaver funds for this purpose in the past year.

    It’s also an increasingly important supplement to support people’s incomes in retirement.

    The other good news story here is that the Reserve Bank estimates around 40 per cent of all KiwiSaver balances are invested in New Zealand-based financial products and assets.

    I want to acknowledge the work Sharesies has done to promote KiwiSaver uptake and your efforts to improve Kiwis understanding of how it can support their financial security.

    I share your mission.  I want to see KiwiSaver balances continue to grow and our Budget will contain steps to support that mission. 

    Let me now turn to New Zealand Superannuation.

    In 2000, there were about 6.5 people of working age (15 and over) for every superannuitant. Today there are about 4.7 people of working age for every superannuitant. By 2050 there are expected to only be about 3.6 people of working age for every superannuitant. 

    At the same time, superannuation costs are increasing both in dollar terms and as a proportion of GDP.  Gross expenditure on super in 2000 was $5.1 billion or 4.4 per cent of GDP. By 2050 it is expected to be $71.7 billion or 6.5 per cent of GDP.

    This leaping cost will play out in this year’s Budget.  New Zealand Superannuation costs will rise from $23.2 billion this year to $29.0 billion in 2028/29.  

    Put this together with the cost of healthcare, which increases every year, and it’s clear we need to be earning more as a country to support this growing cost.  

    In the coming years, increasing superannuation costs will be partially offset by withdrawals from the Superannuation Fund which was established to help smooth superannuation costs between generations.  

    We are now approaching the time when the Super Fund is big enough to ensure that withdrawals, rather than contributions, are the normal outcome each year. 

    This is not a Government decision, it is driven by a formula in the relevant Act. 

    In something of a milestone event, the first withdrawal is forecast to happen in 2028 – a very modest withdrawal of $32 million. 

    In the short term there will be some bouncing around between withdrawals and contributions.  

    But from 2031 onwards, projections show that withdrawals from the Super Fund are expected in every year. 

    Withdrawals help cover the costs of Superannuation, so taxpayers don’t face the full cost each year. 

    This does not mean that the Super Fund will get smaller. Far from it. The Fund currently has $80 billion of investments. On reasonable assumptions, Super Fund returns will outstrip withdrawals, and the Fund will continue to get bigger every year. 

    This brings me to the announcement I want to make today. 

    As part of its investment activity, the New Zealand Super Fund has invested $300 million in a venture capital fund called Elevate. 

    The fund was established in 2020 to support high-growth tech-based startups in New Zealand. 

    The fund was created to fill a funding gap at the so-called Series A/B stage of startup funding – the point at which startups typically need $2–$20 million to scale beyond early seed funding.

    The Elevate fund operates as a fund-of-funds. That is, it invests not directly in startups, but in private venture capital funds which must also attract private co-investment.

    In doing so, it supports the commercialisation of science and technology and helps export-focused startups to attract global investment. It also helps to attract global investment to New Zealand by showing there is a pipeline of companies reaching the Series C stage.

    The short-term goal is to increase startup funding. The long-term goal is to help build a self-sustaining venture capital market in New Zealand in which returns from previous investments fund future investments. 

    The results from Elevate’s first five years of operation are positive. 

    It has committed $221 million across nine funds and attracted $536 million of private capital – a ratio of 2.4 dollars of private equity for every $1 committed by the fund. 

    This has led to $440 million being invested in 123 startups across sectors like software, clean-tech, and med-tech.

    There have been some significant successes. I’ll give you a couple of examples. 

    First, Dawn Aerospace which is developing reusable spaceplanes and non-toxic satellite propulsion systems to make space access more sustainable and affordable. 

    In 2022, the Elevate fund helped close a $22m funding raise for Dawn with a number of local Venture Capital funds. 

    This was instrumental in bridging the gap to a larger fundraising round of over $100m. 

    Since then, Dawn has expanded operations to France in 2023 and established a European facility in the Netherlands, all whilst still being run out of Christchurch.

    26 satellites, 122 thrusters and 3 launchers later, Dawn Aerospace is at the cutting edge of its sector with an ever-growing global presence and domestic economic impact.

    Second, Halter which has created a smart collar for cows that uses GPS, sound, and vibration to guide livestock, allowing farmers to manage grazing, shifting, and monitoring from a phone. 

    The collar is transforming day-to-day farm operations. 

    With the help of Elevate backed funds, Halter raised $32m in a Series B funding round in 2021. 

    In the time since, Halter has tripled its workforce to meet growing demand in markets including Australia and the United States.

    It has since attracted further Series C fundraising and is continuing with its plans to revolutionise farming.

    In time, the Elevate fund is expected to become self-sustaining with the returns from previous investments funding future investments. 

    However, the fund is not yet self-sustaining. 

    Therefore, I am announcing today that the Government is committing an extra $100 million to the Elevate venture capital fund at Budget 2025.

    This will be funded through a combination of the 2025 contribution to the NZ Super Fund of $61 million, topped up with an additional $39 million from the Budget 2025 capital allowance.

    This follows the approach taken by the previous government when the Elevate fund was established. The initial government contribution was funded from the Crown’s contribution to the Super Fund. 

    The Government wants to see more companies like Sharesies capitalise on New Zealand talent and grow from small beginnings to create opportunities for other New Zealanders and contribute to the New Zealand economy.

    Let me finish on an optimistic note. 

    The international order is undergoing profound change. We are seeing a shift from rules to power, from economics to security and from efficiency to resiliency. 

    None of this is good news for a small, remote nation that relies on trade for prosperity. 

    But New Zealand is blessed with abundant natural resources, safe, secure, borders, strong institutions and decent, smart, resilient people. Our best years are ahead of us.  

    The job of government is to unlock that potential, for New Zealanders today and for New Zealanders in the years ahead. Next week’s Budget will be the next step in that process.

    Thank you for listening. 

    I understand we have time for a few questions if you have any. 

    MIL OSI New Zealand News –

  • MIL-Evening Report: As insurance gets harder to buy, NZ has 3 choices for disaster recovery – and we keep choosing the worst one

    Source: The Conversation (Au and NZ) – By Ilan Noy, Chair in the Economics of Disasters and Climate Change, Te Herenga Waka — Victoria University of Wellington

    The number of climate change-related extreme weather events) is on the rise, making it harder for many people to buy affordable home insurance.

    The industry has already signalled it is pulling out of some places in Aotearoa New Zealand, leaving the government and homeowners to question what happens next. This is not something that should be ignored, or met with ad-hoc, unplanned responses.

    Since insurance is required for residential mortgages, the retreat of insurance companies will have significant consequences for property prices and local economies.

    With the retreat of insurance companies a future certainty in some communities, the government must decide how to respond. In our new research), we developed the “trilemma” framework, outlining the policy trade-offs governments face in adapting to climate change.

    Deciding between trade-offs

    We found effective adaptation policy needs to achieve three goals:

    • incentivise risk reduction
    • be fiscally affordable
    • increase equity and wellbeing and reduce hardship.

    But any policy can satisfy only two of these three goals. The government has to make trade-offs.

    When it comes to responding to the retreat of private insurance, the options include:

    • doing nothing and letting “the market” adjust (with sharp price declines for affected properties)
    • replacing private insurance with a publicly-funded alternative
    • offering government-funded defences (for example, stopbanks) or buyouts to properties that can no longer be insured.

    Each one of these options involves giving up on at least one of the three policy goals.

    The Insurance Retreat Trilemma outlines the choices faced by governments when private insurance companies pull out of high-risk areas.
    Author provided, CC BY-NC-ND

    A world without private insurance

    Let us consider “Macondo”, a hypothetical community in a flood-prone area where insurance has “retreated”.

    Do nothing

    The “do nothing” option is when the government does not take a policy position on flood or storm insurance. This option has little to no cost for the government and, as long as people don’t expect buyouts, would incentivise risk reduction. But it leaves homeowners completely exposed to the increasing risk.

    In “Macondo”, some homeowners will have reduced the risk for their own properties (raising their houses, for example). Others won’t be able to do so and remain completely at the mercy of the elements.

    Those whose houses have been deemed uninsurable would have their mortgages automatically put into default. Some may have to sell their home at a much lower price and may remain indebted even after the sale.

    Local councils might offer to invest in defences for the community by building stopbanks, but that is less likely for poorer and smaller local councils.

    When an extreme weather event does happen, causing significant losses, the uninsured who own their homes may be unable to repair or rebuild and will be left destitute.

    Public replacement insurance

    In 1945, New Zealand’s government introduced public insurance for some natural hazards with the Earthquake and War Damage Commission. This later became the Earthquake Commission (EQC), and more recently, the Natural Hazards Commission (NHC). The commission was established as private insurers withdrew earthquake cover in the 1940s and landslip cover in the 1980s.

    The government could choose to extend NHC policies to fully cover weather events such as floods and storms (NHC now provides only partial cover for damage to land from these hazards). Or it could establish a different public insurance scheme to cover these hazards.

    When designed well, this option makes fiscal sense. For example, after 2010-2011 Christchurch earthquakes EQC cover for residential properties didn’t carry extra costs for the government.

    Public replacement insurance could also make recovery fairer for everyone. But providing a blanket safety net through a public insurance scheme would discourage risk reduction. With the greater sense of financial safety may come a higher appetite to build on more risky sites, and spend less to defend existing homes. This would result in even more exposure and more damage.

    In the wake of insurance retreat, successive governments have opted for a combination of publicly-funded defences with generously provisioned buyouts.
    Kerry Marshall/Getty Images

    Publicly-funded defences and buyouts

    Successive governments across a range of disasters have opted for the ad-hoc approach. This inevitably turns out to be a combination of publicly-funded defences with generously provisioned buyouts.

    This combination of defences and buyouts may be the most politically appealing in the short term, but it is also the least affordable and the least efficient option. This option leads to reduced risk (especially if buyouts are used) and can lessen hardship and even inequities.

    This policy was used in Westport after its damaging floods in 2021 and 2022. Similarly, the Auckland Anniversary Flood and Cyclone Gabrielle triggered large investments in buyouts and in new flood defences that will end up costing billions.

    Unfortunately for the affected residents in both cases, the process was not done preemptively following a carefully designed process. Instead, the response to each event was designed on the fly, was lengthy, and full of frustrating uncertainties, missteps, and missed opportunities.

    Proactive response needed

    Currently, every successive government in New Zealand chooses to do nothing and then switches to a defence and buyout choice when disaster strikes. This is the worst of all the trilemma policy options.

    A more proactive policy, even if well-conceived, cannot achieve all three of the goals we listed. But at least the choice between these trade-offs would be clear and transparent. It would also avoid all the inefficiencies created by the reactive policy choices our elected governments make now.

    We are grateful for the contribution of science writer Jo-Anne Hazel to this analysis.

    Ilan Noy has received research funding from the New Zealand Natural Hazards Commission (formerly the EQC).

    Belinda Storey has received research funding from the New Zealand Natural Hazards Commission (formerly the EQC).

    – ref. As insurance gets harder to buy, NZ has 3 choices for disaster recovery – and we keep choosing the worst one – https://theconversation.com/as-insurance-gets-harder-to-buy-nz-has-3-choices-for-disaster-recovery-and-we-keep-choosing-the-worst-one-255713

    MIL OSI Analysis – EveningReport.nz –

  • MIL-OSI USA: Cantwell Statement on House Republicans’ Proposed Medicaid Cuts

    US Senate News:

    Source: United States Senator for Washington Maria Cantwell
    05.12.25
    Cantwell Statement on House Republicans’ Proposed Medicaid Cuts
    Proposal unveiled last night would cause millions of poor Americans to lose coverage & drive up co-pays; GOP proposal could cancel health coverage for 780k Washingtonians
    WASHINGTON, D.C. – Last night, the Republican leadership of the U.S. House of Representatives released a draft proposal to cut $912 billion from the Energy and Commerce Committee budget — the committee that oversees Medicaid, the federal program that insures many low-income adults and children, pregnant people, seniors, and people with disabilities – by forcing at least 13.7 million Americans off their health insurance.
    U.S. Senator Maria Cantwell (D-WA), senior member of the Senate Finance Committee and ranking member of the Senate Committee on Commerce, Science, and Transportation, issued the following statement:
    “The House Republicans’ Medicaid proposals could cause over 780,000 Washingtonians to lose affordable health coverage – all to give the very richest Americans a massive tax cut,” said Sen. Cantwell. “Patients who are recovering from illness, a complicated birth, or opioid addiction should not also have to submit complex paperwork or cover excessive co-pays. As I’ve heard around the state, these shortsighted Medicaid cuts would be devastating, and will only hurt vulnerable patients, force hospitals to slash services or close altogether, and cost taxpayers more in the long run.”
    Medicaid, also known as Apple Health in Washington state, covers 1.9 million Washingtonians. On May 2, Sen. Cantwell released a snapshot report highlighting the impact that Medicaid cuts would have on Washington state’s highly-ranked long-term care system for seniors and people with disabilities. In February, she additionally released a snapshot report that demonstrated how cuts would harm health care access in Washington state, and followed up with a report in March that dove into impacts on the Puget Sound region.
    Highlights of those snapshot reports include:
    In Washington state, WA-04 (Central Washington) and WA-05 (Eastern Washington) have the highest proportions of adults and total population on Medicaid (Apple Health). In District 4, 70% of children are on Medicaid.
    In the Puget Sound, children in Seattle’s blue-collar strongholds would feel the deepest pain from Medicaid cuts. More than half of children in Burien, SeaTac, Kent, Federal Way, Auburn, Renton, and Rainier Valley depend on Medicaid.
    In an exclusive new survey of 68 WA nursing homes, 67 of 68 would cut services if Medicaid were cut by 5% or more, and 65% would consider closing.
    Over the past two months, Sen. Cantwell also took a tour around the state to hear from folks who would be directly impacted by cuts to Medicare. Doctors, patients, and health care providers in Seattle, Spokane, the Tri-Cities, and Wenatchee warned that such cuts would devastate Washington state’s health care system and limit access to lifesaving care.
    Last week, a coalition of Washington state hospital leaders and Republican elected officials sent a letter opposing any cuts to Medicaid. The group included the CEOs of Skyline Health and Klickitat Valley Hospital, as well as multiple Republican members of the Washington state legislature, leaders of Klickitat County, and councilmembers of White Salmon and Goldendale. The letter emphasized that hospitals in rural areas are especially reliant on Medicaid, and any funding reductions would result in loss of services or even hospital closures. The letter warned, “Any reduction in funding from any source will undoubtedly result in a reduction of services, reduction of access or worse – hospital closures,” and further that “Policy decisions that put a community’s access to healthcare in jeopardy are a sure way to hasten the demise of rural Washington State.”

    MIL OSI USA News –

  • MIL-OSI China: Apple considers raising iPhone prices, WSJ reports

    Source: People’s Republic of China – State Council News

    Apple is weighing price increases for its fall iPhone lineup, a step it is seeking to couple with new features and design changes, reported The Wall Street Journal (WSJ) on Monday, adding that the company is determined to avoid any scenario in which it appears to attribute price increases to U.S. tariffs on goods from China, where most Apple devices are assembled.

    New iPhones set to be released in the fall include some design and format changes, including an ultrathin design. The investment bank Jefferies estimates that of the approximately 65 million iPhones Apple sold in the United States last year, around 36 to 39 million were Pro or Pro Max models.

    This fall’s lineup is expected to include a thinner model that would stand in the place of the current iPhone 16 Plus, which retails for 899 U.S. dollars in the United States.

    Apple Chief Executive Tim Cook “has been facing pressure over the U.S.-China trade conflict, which threatens Apple’s supply chain,” noted the report. In response, he built up inventory in March before tariffs were announced and shifted manufacturing for the U.S. market to India. He said earlier this month that a majority of iPhones shipped to the United States in the April-to-June quarter would come from India. 

    MIL OSI China News –

  • MIL-OSI USA: News 05/9/2025 Blackburn Applauds Senate’s Unanimous Passage of Her Resolution Honoring 100 Years of the Grand Ole Opry

    US Senate News:

    Source: United States Senator Marsha Blackburn (R-Tenn)
    NASHVILLE, Tenn. – U.S. Senator Marsha Blackburn (R-Tenn.) delivered remarks on the Senate floor applauding the Senate’s unanimous passage of her resolution congratulating Nashville’s Grand Ole Opry on its upcoming 100th anniversary. 

    Click here to download Senator Blackburn’s remarks on the Senate floor.
     Click here to read the full text of the resolution.
    REMARKS AS PREPARED
    Mr. President, 100 years ago this November, the world of American music changed forever: Nashville’s Grand Ole Opry hit the airwaves for the very first time. 
    Today, fans across the country know it as “Country’s Most Famous Stage.” But at the time, it started as a small radio show at the National Life and Accident Insurance Company in downtown Nashville.
    In those early days, the Opry showcased the dance tunes and ballads that were being performed by a new generation of musicians in Tennessee and across the South. Drawing on America’s folk tradition, these artists were pioneering an entirely new genre: Country music.
    Soon, crowds were showing up at the company’s radio studio. And after moving between different venues in Nashville, the Opry arrived at its most famous former home, the Ryman Auditorium, in 1943.
    At the Ryman, some of the music tradition’s biggest stars made their Opry debut: Hank Williams, Patsy Cline, Johnny Cash, Elvis Presley, Dolly Parton, and many, many more.
    Since moving to its current home at the Grand Ole Opry House in 1974, the Opry has welcomed generation after generation of new stars who have stepped into its famous wooden circle and added another chapter to country music’s incredible history.
    Along the way, the Opry has become the longest-running radio show in U.S. history, reaching millions of listeners in America and across the world with its weekly broadcasts.
    To honor this extraordinary and historic institution, I am asking for unanimous consent to pass my resolution that congratulates the Opry on 100 years of incredible music, legendary performances, and musical heritage. Here’s to 100 more.

    MIL OSI USA News –

  • MIL-OSI USA: News 05/12/2025 Blackburn, Colleagues Introduce Bill to Safeguard Transit Operations Against Chinese Influence

    US Senate News:

    Source: United States Senator Marsha Blackburn (R-Tenn)
    WASHINGTON, D.C – Today, U.S. Senators Marsha Blackburn (R-Tenn.), John Cornyn (R-Texas), Tammy Baldwin (D-Wis.), Rick Scott (R-Fla.), Tina Smith (D-Minn.), and Gary Peters (D-Mich.) introduced the Safeguarding Transit Operations to Prohibit (STOP) China Act, which would protect domestic transit operations and supply chains from malign Chinese influence by preventing any appropriated funds to the U.S. Department of Transportation (DOT) from being awarded to grantees for the purchase of Chinese government transit buses or rail cars:
    “China’s attempts to exploit critical American infrastructure with taxpayer funds will not be tolerated,” said Senator Blackburn. “The STOP China Act would prevent hard-earned American dollars from purchasing Chinese-made vehicles in our transit infrastructure, protecting our national security and supporting American manufacturing.
    “It is China’s mission to infiltrate and dominate every aspect of American society, including our transit systems, and we cannot let them succeed,” said Senator Cornyn. “By preventing American tax dollars from being used to purchase Chinese government transit buses or rail cars, our legislation would help protect U.S. transportation infrastructure from the CCP.”
    “When we invest American taxpayer dollars, we should be supporting our Made in America economy and American workers, not opening our checkbook to adversaries like China,” said Senator Baldwin. “I’m proud to work with Republicans and Democrats to support our workers and companies, keep the United States safe, and close a loophole that Chinese companies are exploiting to win government contracts and undercut American workers.” 
    “At every opportunity, the Chinese Communist Party works to exploit America and put our nation’s critical infrastructure at risk,” said Senator Scott. “We cannot allow an adversarial regime access to supply chains and transit that we rely on every day, and we definitely cannot allow U.S. tax dollars to fund any projects that allows such access. We must prioritize Americans’ safety, American jobs, and American manufacturing, and put an end to our dangerous dependence on a regime that openly seeks our downfall.”
    “Domestic transit vehicle manufacturers shouldn’t be victim to Chinese companies exploiting loopholes and engaging in unfair trade practices that harm business and pose significant national security concerns,” said Senator Smith. “I’m glad to support the STOP China Act to close the loopholes and help Minnesota’s strong transit manufacturing industry continue to succeed.”
    “China is actively working to undermine American workers and our economic success, particularly in the transportation industry, by flooding global markets with artificially cheap vehicles, from electric vehicles to buses,” said Senator Peters. “This bipartisan bill would help level the playing field for Michigan manufacturers, suppliers, and workers as we continue to lead the world in mobility innovation by preventing taxpayer dollars from being used to support companies owned and operated by the Chinese Community Party.”
    U.S. Senators Pete Ricketts (R-Neb.) and Shelley Moore Capito (R-W. Va.) cosponsored the legislation. Congressmen Rick Crawford (R-Ark.) and John Garamendi (D-Calif.) are leading companion legislation in the U.S. House of Representatives.
    Background:
    Congress passed the Transportation Infrastructure Vehicle Security Act, which prohibits companies with ties to China’s government from receiving taxpayer-funded contracts from the Federal Transit Administration (FTA) to build U.S. rail cars and buses, as part of the Fiscal Year 2020 National Defense Authorization Act. However, China has taken advantage of other government funds in the law to continue competing for transit business in the U.S. The Safeguarding Transit Operations to Prohibit (STOP) China Act would prevent any appropriated funds to the U.S. Department of Transportation (DOT) from being awarded to grantees for the purchase of Chinese government transit buses. It would also require the United States Trade Representative (USTR), in consultation with the U.S. Attorney General, to produce a list of prohibited entities headquartered or affiliated with China.
    The legislation is endorsed by Alliance for American Manufacturing, Steel Manufacturers Association, International Brotherhood of Teamsters, United Steelworkers, International Association of Machinists and Aerospace Workers, and Transport Workers Union of America.

    MIL OSI USA News –