GLOBLE TECHNOLOGY NEWS IN THE WORLD

HOWARD UNIVERSIY FOR HISTORY, MISSION, ACADEMICS CAMPUS LIFE AND KEY FACT

Here’s a comprehensive overview of Howard University (HU) — its history, mission, academics, campus life, and key facts. If you’d like information tailored to a specific programme (undergraduate, grad, law, etc.) I can pull that too.

1. Basic Facts & Mission

Howard University is a **private**, federally‐chartered, historically Black research university located in Washington, D.C., USA. 

* Its motto: *“Veritas et Utilitas”* (Truth and Service). 

* Founded on March 2, 1867 (shortly after the American Civil War), by Oliver Otis Howard (a Civil War general and chief of the Freedmen’s Bureau). 

* It is recognised as one of the leading HBCUs (Historically Black Colleges & Universities) and, uniquely, the only HBCU with an R1 “very high research activity” designation.

* Campus size: Its main campus is in the Northwest quadrant of Washington, D.C., and spans about 256 acres (with additional properties in D.C. and Maryland).

* Student body: Approximately 11,000 undergraduate and graduate students across its programmes. 

2. Historical Highlights

* Howard was founded primarily to provide educational opportunities for freed African Americans and others who were denied full access to higher education in the post–Civil War period. 

* Since 1867 it has awarded **more than 120,000 degrees and certificates** in the arts, sciences and humanities. 

* It has played a major role in training Black professionals in many fields — law, medicine, engineering, education, social work, etc.

* Its legacy includes **firsts** and landmark achievements: for example, the first law school at an HBCU (established 1869) among many others. 

3. Academics & Schools

* Howard is organised into **14 schools & colleges** offering a variety of undergraduate, graduate, professional, and doctoral programmes. 

* It offers **over 120 areas of study** across the arts, sciences, humanities, professional fields. 

* Some of its professional degree offerings include medicine (M.D.), law (J.D.), dentistry (D.D.S.), pharmacy (Pharm.D.), among others. 

* Notable academic achievements: It leads in producing African-American PhDs, and among African-American undergraduates who later earn science & engineering doctorates it ranks top among HBCUs. 

4. Campus Life & Student Experience

* Student life is vibrant: over **200+ clubs and organisations**, historic Greek-letter organisations, many student‐led initiatives. 

* Athletics: 21+ Division I teams (the “Bison” and “Lady Bison”). 

* Location advantage: Being in Washington, D.C., students have access to national institutions, museums, political, diplomatic and professional opportunities. 

* Living and culture: The “Howard experience” emphasises community, service, leadership, and cultural engagement. 

5. Reputation & Achievements

* Howard has been recognised for its strong contributions to research, scholarship, especially among underrepresented communities. 

* It has produced numerous scholars, including Rhodes Scholars, Marshall Scholars, Fulbright recipients. 

* It is highly ranked among HBCUs (for example, Forbes listed it as the #1 HBCU for 2024–25).

Admission & Tuition (General Notes)

* As a U.S. institution many programmes will follow standard U.S. admission protocols: application, transcripts, standardized tests (if required), English proficiency (for international students).

* Tuition and fees vary significantly by programme (undergraduate vs professional vs international). Financial aid/scholarships may be available — check the university’s official site.

* International students: Howard welcomes global students; you’d want to check visa, housing, support services details.

7. Why Consider Howard University?

* Strong commitment to social justice, equity, leadership and service — not just academic excellence.

* Location in Washington, D.C., which offers unique professional, research and policy connections.

* Rich history and culture, with a network of alumni in many fields.

* For students especially from underrepresented backgrounds, history of support and achievement in spaces where few institutions match those strengths.

8. Things to Consider / Challenges

* As with many major research universities, navigating housing, finances, administrative processes can pose challenges (especially as an international or out-of‐state student).

* Cost of living in Washington, D.C. is relatively high compared to other regions; factor in living expenses in addition to tuition.

* You’ll want to review the specific programme you’re interested in: how strong is it, what opportunities (research, internships) are there, how aligned with your goals.

9. How to Get More Detailed Info

If you want, I can pull up for you:

* Specific undergraduate programmes (majors) you might be interested in.

* Graduate/professional programmes (law, medicine, business) with details.

* Tuition & financial aid breakdown for international students.

* Admission requirements for your country (India) and tips for application.

* Campus housing options and living cost estimates.

If you like, I can fetch **Howard University’s 2025–26 tuition/fees and scholarship/financial aid data** specifically for international students (from India). Would you like me to do that?

INFORMATION ABOUT INSURANCE AND A WORLD GLOBL AGENCY SPECIFIC COMPANY OR AGENCY

Scope Actors

Insurers (primary insurers) — companies that sell life, health, property & casualty (P&C), specialty and other lines (examples globally: Allianz, AXA, Ping An, Zurich, Prudential — note: these are examples, not live rankings).

Reinsurers — provide risk-transfer to insurers (e.g., Munich Re, Swiss Re, Berkshire Hathaway Reinsurance).

Regulators & supervisors — national authorities that license and supervise insurers (e.g., UK PRA, US state insurance departments, China CBIRC).

International bodies and standard setters — coordinate cross-border rules, best practice and data (key ones described below).

Brokers/agents & distribution channels — brokers, bancassurance, agents, direct/online, insurtech platforms.

Capital providers & rating agencies — credit rating agencies (S&P, Moody’s, AM Best), investors, reinsurers.

Important international agencies & organizations (what they do)

IAIS — International Association of Insurance Supervisors

Sets global supervisory standards, issues principles and “ComFrame” for group supervision and systemic risk.

The Geneva Association

Industry think-tank — research on economic, regulatory and social issues for insurers.

OECD (Insurance & Private Pensions Committee)

Policy guidance and cross-country data on pensions and insurance.

World Bank & IFC

Work on insurance market development, microinsurance and regulatory reform in emerging markets.

Insurance Information Institute / National associations

Country-level education, statistics, consumer guidance.

Standard setters & accounting

IFRS 17 (insurance contract accounting) — major global accounting standard impacting insurers’ reporting.

Regulatory frameworks to know

Solvency II (EU) — risk-based capital/regulatory regime becoming the global benchmark for solvency rules.

Key data and documents to collect for an insurer or country

1. **Annual report / financial statements** — balance sheet, income statement, cash flows, solvency capital, management discussion. (Under IFRS/GAAP + IFRS 17 disclosures if applicable.)

2. **Regulatory filings / solvency returns** — Solvency ratios, risk exposures, RBC (US), local solvency metrics.

3. **Rating agency reports** — credit rating rationale, outlook, capital and liquidity commentary.

4. **Market statistics** — total premium volume (written premiums), market share, claim ratios, loss ratio, expense ratio, combined ratio (P&C).

5. **Product portfolio & distribution** — lines by premium / profitability, geographic segmentation, distribution channels.

6. **Reinsurance arrangements** — quota share, excess of loss, retrocession, counterparty concentration.

7. **Governance & risk management** — ERM framework, capital management, stress tests, climate & cyber exposures.

8. **Regulatory & legal issues** — enforcement actions, pending litigation, licensing changes.

9. **Strategy / outlook** — M&A activity, digital initiatives (insurtech), pricing strategy, expense reduction.

Useful metrics & what they mean

* **Written premiums / Net written premium (NWP)** — revenue scale.

* **Loss ratio** = claims paid / earned premiums — claims efficiency.

* **Expense ratio** = operating expenses / premiums earned — cost efficiency.

* **Combined ratio (P&C)** = loss ratio + expense ratio — profitability; <100% = underwriting profit.

* **Return on equity (ROE)** — profitability to shareholders.

* **Solvency / capital adequacy ratio** — regulator’s view of capital buffer.

* **Policyholder liabilities / technical reserves** — adequacy of reserves (especially for life insurers).

Major global trends to consider (context you’ll find in “full” reports)

* **Climate risk & catastrophe modelling** — rising frequency/severity of natural catastrophes affects pricing and reinsurance.

* **Insurtech & digital distribution** — customer acquisition, automated underwriting, usage-based insurance.

* **Regulatory change & IFRS 17** — impacts reported profitability and comparability.

* **Cybersecurity & cyber insurance growth** — new products but modeling uncertainty.

* **Demographics & health/longevity trends** — affects life and health lines.

* **Low interest rate / changing investment returns** — affects insurers’ investment income and product pricing.

Where to get authoritative, up-to-date information

* **Insurer’s own filings** (annual report, regulatory returns, investor presentations).

* **Regulatory authority websites** for the country (supervisory press releases, enforcement).

* **IAIS, OECD, World Bank, Geneva Association publications** for cross-country comparative research.

* **Rating agencies** (S&P, Moody’s, AM Best) for independent credit and capital analysis.

* **Market research & reinsurance reports** (Swiss Re Sigma, Munich Re NatCat, Marsh reports).

* **Industry databases / commercial data providers** — e.g., Bloomberg, S&P Capital IQ, A.M. Best, company databases.

  *(I can’t fetch these now, but those are the primary sources you’d consult.)*

How I can help right now

* Produce a **tailored “full information” report** template you can use for any insurer, regulator or country — includes exactly which sections, tables and data fields to collect, plus table templates and sample calculations (loss ratio, combined ratio, solvency ratio).

* Build an **investor due-diligence checklist** or **regulatory compliance checklist** for a specific country or insurer.

* Draft **an email** requesting specific documents from an insurer, regulator, or broker.

* Summarize what to look for in **annual reports** (where the tricky disclosures usually hide).

If you want one of the above, tell me: **(A)** the specific insurer/agency/country you meant, and **(B)** what kind of “full information” you need (regulatory, financial, product, market overview, or an all-sections dossier). I’ll generate a complete ready-to-use report template and populate it with example calculations and document lists.

JUMPER MEDIA IS  US BASED DIGITAL MARKETING AGENCY 

Here is a full summary of Jumper Media—who they are, what they offer, what people are saying, plus key pros & cons. If you’re considering using them, this should help you decide.

1. Company overview & history

Jumper Media is a US-based digital marketing agency founded in 2016.

Their headquarters is listed as 4747 Morena Blvd, San Diego, California 92117, USA. 

According to self-description: they help businesses with local search rankings, social media presence, and video content. 

From a company data profile: they have somewhere between ~51-200 employees (various sources state “100–200” or “82 employees”). 

Their reported revenue is inconsistent: one source says <$1 M, another estimates ~$15 M (which may be an estimate rather than official). 

2. Services offered

According to their website they divide their services into three main categories: 

Jumper Local: For boosting local business visibility, especially via Google Maps/Google Business Profile. They claim to help clients reach “top 3” in local search.

Jumper Social Management: Support with social media (content creation, profile optimization, follower growth) especially platforms like Instagram.

Jumper Creation: Video content production/editing services — helping businesses produce high-quality video content at scale.

They pitch that you can pick one or combine multiple services depending on needs. ([Jumper Media]

 3. What they claim & unique selling points

They emphasize “real human interactions” and authentic engagement rather than bots (in their marketing). ([Jumper Media][3])

For the local SEO angle, they claim to use “proprietary methods”, “20–30 second GPS drive-bys by real humans” to boost ranking. ([BlitzMetrics][4])

They target businesses that want to dominate their local search visibility and social media presence.

4. Customer reviews & reputation

✅ Positive feedback

On their own site, many testimonials report rapid results: e.g., “we increased rankings and traffic within 60 days” for local search. 

On Trustpilot there are many 5-star reviews claiming the service helped local businesses get more leads via Google. 

Some businesses claimed social media follower growth and improved engagement under their social media services. 

❌ Concerns & negative feedback

Some review/analysis sites flag issues: one consultant review notes lack of transparency about how the service works, minimal detail on pricing, and risk of using “automated” or non-transparent growth tactics. 

The local SEO review from BlitzMetrics flags claims of “guaranteed top-3 in 90 days” and “proprietary methods” as red flags in their judgement. 

On Reddit there are user comments suggesting the company isn’t forthcoming about methodology and some doubts whether the results are sustainable. 

5. Pricing & contract structure

One review states that pricing is not transparent on their site: you must contact them for pricing. ([jonathonspire.com][9])

There are claims of “free trial” offers (e.g., “Test our services for 7 days free – no credit card required”) on their site. ([Jumper Media][5])

Because their public pricing is vague, potential clients should ask very specifically about contract duration, cancellation, what deliverables are included, and how results will be measured.

6.Strengths & where they may excel

Good fit for businesses that need local SEO support and want to improve their presence on Google Maps and Google Business Profile (especially locally oriented service businesses).

Also useful for companies wanting to scale social media content creation & video editing without building large in-house teams.

They appear to have decent number of clients and market presence, indicating some level of experience.

7. Risks & limitations to be aware of

The “top-3 ranking” promises: search ranking, especially on Google Maps, is competitive and complex. Any company promising guaranteed ranking in fixed time should be approached with caution.

Lack of transparency in terms of method: Without clear explanation of what they do, you may be at risk of using techniques that may not be sustainable or even violate platform guidelines (especially for social media follower growth).

Results may vary widely depending on niche, competition, location, and client involvement. Some reviews say initial boost but not sustained long-term growth.

Pricing and contract terms may hide cancellation fees, minimum commitments, or unclear deliverables.

If you are outside the US (for example in India) you must consider how well their services are adapted to non-US markets (language, search engine behaviour, local SEO differences).

8. Recommendations if you consider using them

Here’s a checklist of things you should ask / verify:

Clear deliverables: What exactly will they do (e.g., how many posts, followers gained, map ranking keywords)?

Methodology: Ask how they intend to achieve local rankings or follower growth. Are they compliant with Google/Instagram policies?

Reporting & measurement: How will progress be tracked? What metrics will you receive?

Contract length and cancellation policy: Is there a minimum commitment? What happens if you don’t see results?

Market relevance: If your business is in India (or not US), ask how their methods translate to your country’s search/social ecosystem.

Budget and ROI: Estimate what you are spending vs what results you need (leads, sales) to make it worth it.

References & case studies: Ask for similar businesses (in size/market) and check their long-term results.

Transparency & trust: Make sure you feel comfortable with how they communicate, the level of explanation offered, and whether they avoid “secret weapon” claims.

9. Conclusion

Jumper Media offers a comprehensive digital marketing service focusing on local SEO, social media growth and video content production. They appear to have helped many businesses, especially local service businesses in the US. At the same time, there are reasonable caution flags around transparency, guarantees of ranking, and how well their methods can be applied to non-US markets.

If you’re considering them, they could be a valid option, especially if you have a budget, clear goals, and the growth pace fits your needs. But make sure to do your homework, ask detailed questions, and verify that you’re getting value relative to your cost.

If you like, I can look up more detailed user reviews specific to India / Asia market, or fetch recent case studies for Jumper Media with measurable outcomes. Would you like me to do that?

ALASKA AIRLINES INCRESING RETURN ON AD SPEND WITH SMART SEARCH TOOLES AND VALUE BASED BIDDING

Basic Facts

* Headquarters: SeaTac, Washington, United States. 

* IATA code: **AS**. ICAO code: **ASA**. Callsign: “ALASKA”.

* Founded (as predecessor): April 14, 1932 (as McGee Airways). 

* Parent company: Alaska Air Group, Inc. 

* Alliance membership: oneworld alliance. 

* Number of destinations: Over 140 destinations (as of 2025) across North America, Central America, Asia/Pacific region. 

Hubs & Route Network

* Major hubs:

* Seattle–Tacoma International Airport (primary).

* Ted Stevens Anchorage International Airport (Alaska). 

* Los Angeles International Airport, San Francisco International Airport, Portland International Airport. 

* Focus cities: e.g., Boise Airport in Idaho. 

* They serve a mix of domestic US routes (especially West Coast to Alaska/Hawaii) and some international routes (Canada, Mexico, Central America). 

Fleet & Operations

* Fleet size: Approximately 300+ aircraft (narrow-body) as of recent counts. * Aircraft types: Largely Boeing 737 variants.

* Operational emphasis: Emphasis on safety, customer care, and environmental/sustainability initiatives. 

Merger / Acquisition News

* Alaska Airlines (via its parent) completed the merger with Hawaiian Airlines on September 18, 2024. 

* This expands Alaska’s reach into Hawaii and enhances its route network significantly.

* This is a major strategic move, making Alaska a stronger player in the US West Coast + Pacific markets.

 Loyalty Program & Services

* Frequent Flyer program: “Mileage Plan”.

* Lounges: Alaska Lounge at key hubs.

* Customer Service: They have multiple contact numbers and support channels. For example, one source lists +1-844-206-6708 for live agent support. ---

Sustainability & Corporate Responsibility

* Alaska Air Group publishes a fact sheet that emphasizes their commitment to safety, operational excellence, and sustainability for the global destinations. 

* With increased focus on reducing emissions, fleet efficiency upgrades, etc (typical for major carriers though specific numbers may need deeper lookup).

 Current/Recent Issues (for full transparency)

* The airline has had at least a couple of major IT/operations disruptions in 2025, causing flight groundings. 

* Customer feedback indicates some problems with their website/app and partner-award availability for Mileage Plan. Example from reddit:

  > “The app refuses to update flight schedule changes …” 

  > “The website has been freezing/crashing when booking with miles…” * So while the airline is well-established, these are real user experience issues worth noting if you plan travel.

 For Indian / International Customers

* If you are booking from India (or south Asia) to the US via Alaska, you’ll want to check:

* Which airport you’ll connect from (e.g., via US hub).

* Whether Alaska has codeshare or partner airlines on your routing.

* The terms of Mileage Plan for international zones (earn/redeem).

* For customer service from India, you may have to contact their US service number and possibly deal with international call charges or use online chat. According to one resource: +1-800-252-7522 for international support. 

Why Choose Alaska Airlines?

* Strong West Coast network: If you’re travelling US West Coast, Alaska is one of the top carriers.

* Member of oneworld: So you can connect via partner airlines globally, earn/redeem miles across alliance partners.

* Reliable reputation: Historically high customer satisfaction among US traditional carriers (though recent issues exist).

* Access to Alaska Lounge and premium services if you qualify.

* After the Hawaiian merger: expanded services into Hawaii and Pacific regions.

Things to Watch / Consider

* If booking internationally or via partners, make sure the fare is clearly “operated by Alaska Airlines” and know the baggage/stopover rules.

* The app/website issues: If you encounter problems, call customer service early or consider alternate booking platforms.

* If using miles: Check partner award space carefully; there have been complaints of “showing availability but not bookable”.

> “The agent said partner airlines have full control over that.” 

* If your itinerary includes Alaska or remote US regions, check for connectivity, possible weather issues, etc.

LYFE Marketing — who they are, what they do, how they price and operate, their results/reputation, and when to consider them.

LYFE Marketing is an Atlanta-based full-service social media and digital marketing agency founded in 2011. The company positions itself as a specialist in social media management and advertising for small-to-midsize businesses, and it has expanded into adjacent services such as email marketing, PPC, short-form video management, and white-label agency services. LYFE markets itself as results-driven, with an emphasis on generating leads, traffic and measurable ROI from social channels. 

Founders, leadership and location

LYFE was founded by Sean Standberry (often referenced as a co-founder and long-time executive) and has an executive team listed across business directories; the agency maintains headquarters in Atlanta, Georgia (addresses commonly shown in public profiles list locations in downtown Atlanta). Public profiles and their “about” pages also list senior leadership and a small executive team focused on operations, strategy and client success.

Core services and specialties

The agency’s core offering is social media management — content creation, scheduling, community management, organic growth tactics and analytics reporting — across platforms including Facebook, Instagram, LinkedIn, TikTok, Pinterest and Twitter/X. They pair organic management with social advertising (paid campaigns on Meta, LinkedIn, TikTok, etc.), short-form video production/management, PPC management (Google Ads), and email marketing for nurture and retention programs. LYFE also promotes white-label digital services for agencies and franchise groups. Their website lists these services and platform-specific packages in detail. ([LYFE Marketing][3])

Typical clients and industries

LYFE primarily targets small and medium businesses and local brands across retail/ecom, professional services, hospitality, health & beauty, and B2B verticals. Their case study archive highlights a range of small business wins — from e-commerce traffic growth to lead generation for service businesses — and they emphasize repeatable, scalable playbooks for SMB budgets. 

Pricing — what to expect

While exact pricing can vary by scope and campaign complexity, public agency listings and independent comparisons show LYFE’s social media management packages typically start in the low-to-mid hundreds per month and move into the mid four-figures for more comprehensive management plus paid ad budgets. Independent summaries cite sample plans (for social management) in bands such as roughly $750 / $1,350 / $1,550 per month as representative published tiers, and paid-media projects and PPC retainers commonly start around $1,000+ monthly depending on ad spend and reporting needs. Always request a custom proposal — agencies tailor pricing to goals (lead cost targets, creative production needs, ad spend). 

Process & deliverables

LYFE’s public materials describe a structured onboarding and reporting cadence: initial strategy/audit, content calendar and creative production, ad campaign set-up and testing, weekly or monthly reporting, and ongoing optimization. They emphasize transparent KPIs (leads, conversions, traffic, follower growth) and provide case studies showing specific percentage improvements in metrics for past clients. Their site offers free proposals and industry-specific playbooks as part of discovery. 

Results & case studies

LYFE publishes numerous client case studies and testimonials that claim measurable outcomes — examples range from multi-hundred-percent increases in engagement and specific ROAS (return on ad spend) numbers in some paid campaigns to lead flow boosts for local businesses. Third-party review pages (and the agency’s review pages) show largely positive feedback for results, although as with many agencies, client experiences vary by account manager and expectations. Always ask for client references in your industry before signing. 

Reputation & reviews

Public reviews are broadly positive: the company highlights hundreds of positive client testimonials and dozens of public case studies. Independent platforms (Clutch, DesignRush, agency directories) show a mixture of strong praise for ROI and creative output, plus some comments about communication variability — a relatively typical pattern for growing agencies. Checking recent, verified client reviews and a reference call is recommended to validate fit and service consistency. 

Pros & cons — quick assessment

Pros: focused social media expertise, packaged services for SMBs, transparent case studies, wide platform coverage (including short-form video), and white-label options for other agencies. Cons: prices can climb for full management + ad spend; client experience can depend heavily on account team fit; smaller agencies sometimes have less flexibility for highly specialized enterprise needs. Ask about guaranteed deliverables and who will be your day-to-day contact. 

When to consider LYFE Marketing

Consider LYFE if you’re a small-to-midsize business that needs an outsourced team to run social channels and paid social with measurable lead or e-commerce outcomes, and you prefer packaged, agency-managed services rather than hiring in-house. If you need highly specialized B2B enterprise integrations, or ultra-tight control of creative IP and channel experiments, compare them with boutique or enterprise agencies and request detailed case studies relevant to your vertical. 

How to contact / next step

Request a free proposal via their contact page or call their Atlanta number listed on the site to get a tailored audit and pricing for your goals. Always request case studies for businesses similar to yours, a clear scope of work, and sample reporting templates before contracting. ([LYFE Marketing][3])

If you want, I can:

• Summarize LYFE’s top 3 case studies into a one-page brief; or

• Draft an RFP template you can send them (or any agency) to compare proposals.

Which would you like next?

[1]: click here "About LYFE Marketing"

[2]: click here "Author Bio - Sean"

[3]: click here "Contact Digital Marketing Agency"

[4]: click here "Case Study Archive"

[5]: click here "LYFE Marketing Reviews (130), Pricing, Services & ..."

[6]: click here  "LYFE Marketing Reviews"