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AI’s power, water consumption worried agriculture sector: ‘Don’t forget that it is also required for us to grow food’



Nations around the world are rapidly building out the infrastructure needed to take part in the AI boom–including massive, multibillion dollar investments in data centers, which house and manage the servers needed to process, store and share information.

Yet data centers guzzle up energy and water, needed to power servers and cool systems. And that may end up putting strain on another industry that’s just as important for a country’s future: Agriculture.

“The electricity that we’re using for our data centers and AI chips? Don’t forget that it is also required for us to grow food,” said Gerard Lim, CEO of Agroz, a vertical farming startup, at the Fortune Innovation Forum in Kuala Lumpur, Malaysia, on Tuesday.

Singapore, for example, briefly paused data center investments in 2019 due to concerns about electricity use and water consumption. And in the U.S., electricity prices are rising in states with greater data center construction, like Virginia.

“Don’t forget the humans in the equation—because the energy all these data centers are utilizing is going to leave the human sectors out at some point,” Lim warned.

Food security

On top of resource competition, burgeoning populations and rising wealth also means higher demand for good quality food.

“What’s driving the rapid demand for food is our changing eating habits. As we become richer, we want more protein,” said Richard Skinner, a partner in private capital from Olivia Wyman.

Lensey Chen, Asia-Pacific president at Novonesis, a biosolutions company, echoed these concerns. “By 2050, there will be an additional 50% [increase] of demand to feed the world’s population, and it’s critically important to increase the yield, increase output from existing resources,” she said. 

New technologies could help to fill the gap. Lim claimed that Agroz had been able to use technology and controlled environments to increase yields by as much as 500% while using 20 times less water compared to traditional open-field farming. “Technology and innovation are very important for us to grow in less land and use less resources,” Lim said.

Yet Skinner said that state-of-the-art innovation might not be the only, or easiest, way to boost agriculture productivity.

“We want to have to have technologies we can deploy today,” Skinner argued, citing greenhouses, irrigation techniques, fermentation, and better data monitoring for livestock as well-understood technologies that have yet to be widely adopted in Asia. 

Rice farming, for example, contributes 8% of the world’s carbon emissions, due to how farmers flood rice fields, Skinner added.  The water in these rice fields creates a low-oxygen environment which kills most weeds and keeps pests away. But the anaerobic conditions cause microorganisms to produce and release methane, a greenhouse gas.

Instead, Skinner suggested that farmers can use drip irrigation, an efficient method of applying water slowly and directly to the soil around the roots of plants. This would reduce water consumption and cut greenhouse gas emissions. 

Tastier food

While it’s easy to focus on producing more food, or more sustainable food, when talking about the agricultural sector, panelists noted that it was just as important to discuss making food healthier, more nutritious, or just tastier.

“We go food shopping not just because it’s sustainable. It’s because it’s tasty, it’s nutritious, it’s healthy, right?” Chen said. She continued that the company was now working with the food industry–including Noma, a three-Michelin-star Copenhagen-based restaurant, to develop new ways to develop food. “They are masters of taste, and we are masters of fermentation,” she said.

Inside look: Citi’s ‘Four S’ AI strategy to maximize ROI


NEW YORK — Citi is deploying AI not as an additional layer in its tech stack but rather building its modern applications on top of a centralized platform.  New tech deployment must generate value at Citi, Head of AI Shobhit Varshney, said at Reuters’ Momentum AI Finance USA conference on Nov. 17. “The definition of […]

The post Inside look: Citi’s ‘Four S’ AI strategy to maximize ROI appeared first on FinAi News.

Rocket adds debt service coverage ratio investor mortgages


Rocket Mortgage has come out with a debt service coverage ratio product in both its wholesale and retail channels, joining a rather competitive landscape of both non-qualified mortgage specialists and more traditional lenders like its rival United Wholesale Mortgage, that already serve investors looking to finance rental properties.

Another recent entrant with a suite of non-qualified loan products including DSCR is PHH Mortgage, whose parent company Onity approximately one month later announced the disposition of its reverse mortgage operations to Finance of America.

Dan Sogorka, general manager at Rocket Pro TPO.

Courtesy of Rocket Cos.

“If you go back through the year, every quarter we added at least one new product,” said Dan Sogorka, the general manager of Rocket Pro in an interview. “This was a really exciting one, because it’s been a strong market for investors in terms of home buying.”

Why Rocket added a DSCR product

When asked about why Rocket is jumping in at this point to a market niche others are already occupying, Sogorka replied that the company’s partners asked for the offering because they want to do more with the Detroit-based lender.

“When you think about what really makes us stand apart, it’s our best-in-class technology, operations, pricing, support, our AI suite, our Navigate product,” he continued. “Our partners now want to continue to use all of these regardless of what product they’re doing.”

Others have technology offerings specific to the DSCR market. Earlier this month, Angel Oak Mortgage Solutions launched a rental automated valuation model. The product incorporates Clear Capital’s Rental AVM.

It’s very time consuming when an appraiser has to be hired to do a rent valuation and it does not come in as expected, said Tom Hutchens, president of Angel Oak Mortgage Solutions, in a recent interview. When that happens, the closing is likely to be delayed.

This technology helps to come up with a more accurate valuation of the rent rolls which is used to underwrite a DSCR loan, helping to speed the process.

Why lenders should add investor products to their menu

Angel Oak is primarily a third party originator, and Hutchens was asked why mortgage lenders would want to offer investor loans.

“So many people in the last 10 years that have just become investors in real estate, given the lack of supply of housing, the demand for rental housing is just continuing to grow,” Hutchens said. “I think that’s why people, from an origination standpoint, believe, ‘hey, I’ve got to participate in this space.'”

Single-family rental is becoming a bigger part of the market and “they’re just an excellent opportunity to lend upon,” added Ben Fertig of Constructive Capital, another non-QM wholesaler, also in a recent interview.

“If you’re an IMB and you want to retain and recruit loan officers, you better have products that you know are at least hitting the market,” Fertig continued. “Both the DSCR rental loans and residential transitional loans do.”

UWM entered DSCR lending in March 2022 and expanded on its offering at a couple of points during 2023.

For now, Rocket has no plans to enter the RTL market, Sogorka said.

Investor mortgages growing market share

Optimal Blue, a product and pricing engine, finds non-QM lending is continuing to expand, both in terms of loan production and in the number of entities offering these loans, said Brennan O’Connell, director of data solutions.

“In October, the non-QM share of total rate lock volume hovered near its recent peak at 8%,” O’Connell said. “DSCR loans, which represent nearly 30% of total non-QM lock activity tracked by Optimal Blue, were up more than 50% in October versus the same time last year.”

The category was up by 95 basis points from September, Optimal Blue’s Market Advantage report said.

Meanwhile bank statement loan share was just shy of 35%, while all other non-QM was 36%. Bank statement locks were 168 basis points higher than September but 216 basis points less than one year prior.

At 16.6% of all locks in October, nonconforming (including jumbo as well as non-QM) was relatively flat from the prior month but up by 154 basis points from the same time in 2024. 

Rocket’s DSCR mortgage parameters

Rocket is already processing applications for the DSCR loans.

Its loan limits are up to $3 million for purchases and rate-and-term refinancings, along with $2.5 million for cash-out refis.

If the amount is over $2 million, two appraisals will be required, with the lower valuation used to qualify the property.

Most importantly, “the product’s not eligible for first-time real estate investors,” Sogorka warned.  Borrowers will need to have a minimum of one-year property management experience within the past 36 months and/or one year of receiving rental property income.

“This is an experienced investor product,” Sogorka said. “You can close it in an LLC, which was another big ask from the community.” UWM’s DSCR offering also allows the borrower to be an LLC, according to its November 2023 announcement.

Rocket has several investors for this product but it declined to name them.



How Data Centers Can Support Energy Resiliency While Managing AI Demand









How Data Centers Can Support Energy Resiliency While Managing AI Demand – SPONSOR CONTENT FROM SCHNEIDER ELECTRIC



























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Why and Where the STR Depreciation “Loophole” Will Create Booming Housing Markets Next Year


This is not a forecast or a prediction. It’s policy. The short-term rental (STR) markets will absolutely boom in 2026 and 2027!

Why the momentum shift? The One Big Beautiful Bill Act was passed in July. Tax code changes enable businesses to write off 100% of the purchase price of eligible assets—mainly in the form of heavy machinery or equipment, cars, jets, or yachts—used for business purposes. 

At the center for real estate investors is the STR loophole, a provision allowing short-term rental owners to treat depreciation losses as active, not passive. That means those paper losses can offset W-2 income, especially for high earners.

Why do I say “especially”? Because tax incentives are not a reason to invest in real estate, but a good one, with incentives proportional to savings. Generally, a W-2 wage earner has very limited write-offs, with STR bonus depreciation, a sufficient (qualified) investment can potentially offset all taxable income. 

Understanding the STR Loophole

The IRS allows real estate investors to depreciate property over time, but typically, those losses can only offset passive income. However, when a property qualifies as a short-term rental (average stay under seven days, with material participation), its losses can offset active income.

Combine that with bonus depreciation—the ability to write off a large portion of a property’s components in the first year through cost segregation—and investors can effectively offset the down payment and investment cost. 

Here’s an optimized example:

  • A physician earning $600K per year has a tax rate of 35%, equating to $210K in taxes. 
  • The investor purchases a $1M STR property with 20% down ($200K), with $600K in depreciable assets. 
  • The investor still has to put the money down and still has the mortgage and associated obligations (ideally covered by rental income), but is effectively able to swap paying the tax bill for a real estate asset. 

Tax perks alone aren’t a reason to invest, but they make a good investment even better. 

How to Prepare Early

  • Cost segregation plans: Don’t wait until tax season. Begin depreciation planning before you close on properties. Communicate with your CPA. 
  • Invest in high-basis properties: Newer or fully renovated assets maximize depreciable value.
  • Confirm loophole qualification: Even if the property is advertised as “STR eligible,” reverify directly with the municipality before contract and during the contingency period to ensure active participation thresholds can be met on time (100+ hours). For example, properties in an area with an STR wait list might not allow enough time to launch and operate. 
  • Model ROI, including tax savings: Calculate your “after-tax yield,” not just cash flow.
  • Work with STR-specific brokers, lenders, and CPAs: STR-specialized brokers will save time and heartache. Financing and accounting expertise can multiply your leverage.

Markets likely to outperform include:

  • Coastal STRs with consistent travel demand (PNW Coast, Florida, Carolinas)
  • Lifestyle luxury (mountain and resort destinations catering to affluent travelers)
  • Second home destinations, such as prime active rentals, or anywhere a licensed, zoned STR can legally be operated 

What to Expect Going Forward

2026–2027 marks a shift from speculation to strategy—where tax literacy and financial engineering matter as much as design and guest experience. 

Here’s what to expect:

  • Rapid offer requirements for the most successful and turnkey STR properties.
  • Potential for multi-offer scenarios in strong STR markets.
  • STR sellers and STR broker/agents to strategically price their listings.
  • Investor momentum to consistently accelerate from spring through fall.

For high earners, the combination of depreciation, equity growth, and stable demand still makes STRs one of the most powerful real estate investment vehicles available in the next two years, and provides the opportunity for STR investors to accelerate their portfolio timeline.

Combined with anticipated lower borrowing costs, market conditions are primed for strong short-term rental investment demand in both 2026 and 2027.

6 Tips to Help You Find Remote Job Opportunities


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Imagine getting paid to work at home in your pajamas with a cat curled on your lap and a cup of tea by your side. Working from home is the dream I’ve been living for the past 17 years. For me, it truly is as good as it sounds — especially as a working mother who is often called to bring forgotten lunches to school. Before you look into remote positions, think about whether you would like to…

Business Execs Increasingly Focusing On AI, Cost Management To Enable Growth, Report Claims


Despite a period of global change and uncertainty, CEOs are now said to be increasingly optimistic about their overall ability to effectively navigate new risks and capitalize on emerging opportunities. A survey shared by Deloitte finds CEOs looking ahead with a “renewed sense of optimism,” a sharp contrast from the pessimism recorded in previous surveys. According to the update from Deloitte, CEOs are now increasingly focusing on proper cost management, supply chain resilience and AI to “drive sustainable growth.”

Key takeaways from Deloitte’s research study:

Optimism for the global economy doubled to 28% from 14% in spring 2025

In response to current economic and trade policy uncertainties, “80% plan to implement cost-cutting measures, while 64% plan to raise prices on goods and services.”

Half of surveyed CEOs believe the impact of tariffs will have “an equal mix of benefits and risks for their organizations while 78% expect they’ll have fewer benefits than risks for the US economy.”

The survey released by Deloitte tracks the perspectives and actions of CEOs from “some of the world’s largest and most influential companies.”

The survey uncovers key insights into CEOs’ assessment of the economy, their company’s “performance, and perceived business risks and opportunities. Respondents represent executives across 19 industries.”

The pace and degree of change, along with “continued economic and geopolitical uncertainty, were cited CEOs’ top challenges,” according to the survey.

Business execs / industry leaders also pointed to various workforce concerns, such as “ongoing talent shortages, skillset gaps, and employees’ ability to adapt to the rate of change.”

Over two-thirds of surveyed CEOs (68%) expect AI to have a “moderate to significant impact on enterprise strategy, particularly in shaping long-term vision and growth.”

To measure that impact, 84% of leaders are tracking AI’s performance through cost savings and “operational efficiency, while 64% are evaluating employee AI adoption and use.”

Recognizing that transformation starts at the top, CEOs leading by example — 69% are “developing AI usage policies for their workplaces, and 56% are working to cultivate an ethical culture around AI.”

Although more than three-quarters or over 75% of surveyed CEOs do not expect tariffs to have a net positive impact on the US economy, “51% find that these policies could present an equal balance of benefits and risks for their own organizations.”

In response to the evolving environment, the majority or 80% of leaders said they “are likely to implement cost-cutting measures over the next year, while 64% say they’ll raise prices.”

Fielded between October 3-16, 2025, 69 CEOs representing “19 industries shared their perspectives, expectations, and priorities for the next 12 months.”

Business executives / professionals surveyed reportedly “include Fortune 500 CEOs, Global 500 CEOs, and select public and private CEOs in the global Fortune community.”



Google’s Sundar Pichai says the job of CEO is one of the ‘easier things’ AI could soon replace – Investorempires.com








Google’s Sundar Pichai says the job of CEO is one of the ‘easier things’ AI could soon replace – Investorempires.com








































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The 2008 Financial Crisis in 13 Minutes



September 2008. A 158-year-old investment bank collapses overnight.
What follows is the worst financial meltdown since the Great Depression—$19 trillion in household wealth erased and more than 8 million jobs lost.

In this video, we pull back the curtain on how cheap money, sub-prime mortgages, and Wall Street alchemy turned the American Dream into a global nightmare—and why the shockwaves still shape your wallet today.

Timestamps
0:00 The Housing Hype Machine
3:03 The Bubble Inflates – Greed, Leverage, and the Point of No Return
6:56 The Collapse – When the Music Stopped
9:47 The Rescue – Bailouts, Billions, and a Bucket of Rage

💥 Watch till the end for the takeaways every investor—and homeowner—needs to remember.

🔔 Like, subscribe, and hit the bell for more jaw-dropping true financial stories.
📤 Share this video with a friend who still thinks “housing always goes up.”

⚠️ Disclaimer
This video is for educational and entertainment purposes only. Some details may be simplified or contain inaccuracies. Always conduct your own research to gain a deeper understanding of the topic.
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If you have any copyright concerns, don’t hesitate to contact me. I’ll be happy to work on a fair resolution. Please use “Copyright Issue” as the subject of your email.

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