LSEG unvails analytics feed to decode corporate transcripts
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Eric Fischkin, Director, LSEG Data & Analytics, said: 'LSEG MarketPsych Transcript Analytics gives clients a fast, systematic way to integrate the voices of corporate leaders, institutional investors, and research analysts into their strategies. By applying the latest advances in Natural Language Processing and MarketPsych's decades of experience transforming financial text into systematic inputs, the solution empowers users across investment management, ESG analysis, and risk management to uncover hidden signals and behavioral patterns at scale.'
Built for an era where investor decisions are increasingly shaped by nuanced communication, the solution scores emotions, sentiment, topic relevance across corporate earnings calls, guidance updates, and other key events.
Covering over 16,000 global public companies, it offers real-time insights by identifying more than 20 entity types, including companies, currencies, and commodities. The solution maps over 1,000 business topics and 4,000 discrete events.
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The Guardian
5 hours ago
- The Guardian
How to manage your money in turbulent times, from savings to mortgages
It is understandable to be worried about your finances. The world seems to be lurching from one political crisis to the next, and each one has an impact on stock markets and prices. A recent survey found UK consumers are worried about a slowing economy, possible tax increases in the next budget and rising food costs. We asked experts how you should manage your money in an uncertain world. Stock markets around the world, especially in the US, were in flux earlier this year over Donald Trump's tariff plans. Things have settled down now but it is impossible to predict what shocks may be around the corner. If you hold stocks and shares – in an Isa or pension, perhaps – you may have been nervously checking their value. UK fund managers have been increasing their holdings in US companies over recent years, largely fuelled by the boom in tech stocks, so big moves over there have an impact here. However, experts say the most important thing to do is to not sell up out of panic. The analyst Dan Coatsworth of the financial advisers AJ Bell says: 'The worst thing people can do is to see troubling things in the news and then suddenly try to shift around their portfolio.' Markets have recovered in the past, he says, so patience is key. Where this advice may differ is if you need your money for something in less than five years – such as a wedding, university fees or a house purchase. Then you should look at how much risk you are taking, he says. Andrew Oxlade, an investment director at the fund management company Fidelity International, says this could mean switching some of your money away from the markets and into bonds. Bonds are issued by a corporation or country – the investor loans it money in exchange for a fixed rate of interest. They are typically bought through a fund. Many investment management companies offer funds that have a split between equities and bonds, such as Vanguard's Lifestrategy 80%. Gold, an investment that is often seen as a safe bet during times of crisis, has tripled in price over the past decade, and many investors now hold a small amount in their portfolios, Oxlade says, after years of poor performance. Investing does not have to mean buying bars or coins – Fidelity says the most direct way for most is through an exchange traded fund that tracks the price of gold. Interest rates in the UK can be affected by what goes on globally. The Bank of England is tasked with keeping inflation down. Before the war in Ukraine started, it had begun to put up rates, and as prices increased, it continued, raising them from 0.25% at the start of 2022 to 5.25% by August 2023, before holding them there for another year. The Bank has been reducing rates and is expected to make more cuts later this year, but the question is when. If you are planning to take out a new mortgage – either to buy a home or as a remortgage – you face a decision about whether to fix for the short or long term, choose a tracker or even to go on a bank's standard variable rate (SVR). Currently, the best-priced two- and five-year fixed deals have a rate of just below 4%. Nick Mendes of the brokers John Charcol says lenders are reducing rates at present largely because of falling swap rates, a key factor in how mortgages are priced. Swap rates reflect what the money markets expect to happen to interest rates in future. 'Fixed mortgage rates are more influenced by swap rates than the base rate itself, which means they are shaped by what markets think might happen in the future rather than what is happening today,' he says. Going on to a lender's SVR in the hope that fixed rates will improve later in the year is a risky strategy as the rates are high, at about 6.5%, and can change at any time and increase your monthly repayments. Tracker mortgages are also worth considering, Mendes says. These are linked to the Bank base rate. 'They tend to start lower than SVRs and often come without early repayment charges, which means borrowers can move on to a fixed deal later,' he says. Mendes says people who are remortgaging should not 'sit back and wait. Most lenders allow you to secure a new deal up to six months in advance, which is a smart way to hedge your bets,' he says. 'You can lock in a deal now as a safety net and still switch to something better if rates improve before the new deal begins.' For new buyers, Mendes says they should base decisions on what is affordable now rather than making assumptions about what may or may not happen in the future. 'The last position anyone wants to be in is having overstretched themselves on the assumption that they will be able to refinance on to something cheaper at the end of their fixed-rate period,' he adds. You are not tied to a rate until completion, so you should be able to switch if a better deal comes along. Savings rates could fall even before the Bank reduces the base rate, says Rachel Springall of the financial information site Moneyfacts, as account providers may decide that they have enough deposits for a certain product. 'If the whole market starts moving in one direction, you'll find that other peers will do the same because they don't want to put themselves too high up [in best buy tables],' she says. Until then, easy access and fixed-term rates are competitive, Springall says. The best rates this week for fixed one-year and two-year bonds are from Cynergy Bank (4.55% for the one-year and 4.45% for the two-year), while an easy access account from Chase offers 5%, although this includes a 12-month bonus and is a variable rate, so it could go down. There have been increases in the interest paid on fixed-rate bonds in recent weeks, she says. Anna Bowes of the financial advisers The Private Office says 'now is a really good time for a saver who has not been paying attention to their savings' as there is good competition in the market. If you have money in a variable-rate account it may be a good time to move it to a fixed rate. The tumultuous times that stock markets have been having since the start of the year will have had a direct effect on many people in the UK through their pensions. Often funds are heavily invested in US stocks, so the ups and downs there could be affecting your retirement saving. It is understandable if you are considering shifting money in your pension into other safer options such as bonds, says Helen Morrissey, the head of retirement analysis at the financial advice company Hargreaves Lansdown. However, unless you are cashing in your pension within the next five years, you should avoid reactions based on the international turmoil, she says. 'Over the course of your saving journey, you will hit several periods of market volatility and it's important to keep in mind that markets do recover over time,' she says. 'Making kneejerk reactions such as changing investment strategy has the potential to lock in losses as you miss out when markets do recover.' Workplace pensions are often invested in 'lifestyling' funds, which reduce the amount of risk as the holder gets older by shifting from equities to bonds. So if you are approaching retirement this may be happening automatically. If your fund has been hit by turbulence in the markets and you intend on retiring soon, Morrissey says that you may want to start to take a lower amount out from your fund than you had planned in order to allow the rest to recover from any losses caused by market turbulence. 'We suggest that people in [income] drawdown keep between one and three years' worth of essential expenditure [from their savings] in an easy access account that they can use to supplement their income during times of turbulence,' she adds. Another option, on retirement, is to invest some or all of your fund in an annuity, where returns are close to all-time highs. Annuities convert a lump sum from your pension into a regular guaranteed income for the rest of your life or a fixed term. A healthy 65-year-old can now get an annuity rate of 7.72% on average, according to the pension provider Standard Life – that means that for every £100,000 invested, they would get an annual income of £7,720. About 21 million households will see their bills decrease after the price cap was reduced this week. For a household with typical usage, the cap has dropped by £129, to £1,720 a year. The good news may not last too long, however, as there are predictions of increases in October. After the recent conflict between Iran and Israel, oil prices went up because of concerns that supplies could be affected by threats of a blockade of the strait of Hormuz. Prices later reduced after a ceasefire deal was agreed. Will Owen of the price comparison website Uswitch says the volatility of the international economy has led to uncertainty. 'We are now seeing predictions from various organisations and energy suppliers that the price cap from October onwards will probably go up,' he says. To protect yourself against a rise you could considered a fixed-rate tariff – with these each unit of energy and the standing charges are set for a certain length of time. The MoneySavingExpert site advises that you are 'very likely' to save if you can find a fixed-rate deal priced at least 5% below the current price cap, which is predicted to fluctuate. The current best deals are a 12-month fix from Next that is 8.8% below the cap, another from Outfox Energy that is 8.1% less and then a fix from EDF Energy that is 7.2% less, according to the site.
Geeky Gadgets
6 hours ago
- Geeky Gadgets
Combine AI Code Agents to Build Apps Faster : Claude, Gemini and Copilot
What if you could build a fully functional app in a fraction of the time it used to take—without sacrificing quality? The rise of AI code agents like Claude, Gemini, and GitHub Copilot has made this bold vision a reality for developers worldwide. These tools aren't just speeding up workflows; they're redefining how we approach software development by automating complex tasks, from back-end logic to front-end design and even testing. But here's the twist: while these AI agents excel in their specialized roles, their true power emerges when they're orchestrated together. Imagine a seamless collaboration where each AI agent contributes its expertise, leaving you to focus on the creative and strategic aspects of building your app. In this piece, Zen van Riel explores how you can harness the combined strengths of Claude, Gemini, and Copilot to accelerate app development while maintaining control over the process. You'll discover how each tool plays a unique role—whether it's automating tests, crafting APIs, or designing user interfaces—and how their synergy can transform your workflow. But it's not all smooth sailing. We'll also dive into the critical role of human oversight, from debugging AI-generated code to making sure seamless integration between components. By the end, you'll see not just the potential of AI-assisted development but also the balance required to make it work. After all, innovation thrives where technology and human ingenuity meet. AI Agents in App Development Understanding the Roles of AI Agents Each AI agent brings unique strengths to the software development process, and their combined efforts can significantly enhance productivity. Here is how each tool contributes to the workflow: Gemini CLI: Specializes in testing automation, making sure that the app's functionality is both reliable and robust through comprehensive test coverage. Specializes in testing automation, making sure that the app's functionality is both reliable and robust through comprehensive test coverage. Claude Code: Focuses on back-end development, managing server-side logic, database integration, and API creation to support the app's core functionality. Focuses on back-end development, managing server-side logic, database integration, and API creation to support the app's core functionality. GitHub Copilot: Excels in front-end development, crafting intuitive user interfaces and improving the overall user experience with clean, responsive designs. By clearly defining the responsibilities of each AI agent and coordinating their efforts, you can create a cohesive and efficient development process. This orchestration is often assistd through a structured git commit workflow, which ensures consistency and alignment across all components of the project. Building the AI Learning Tracker App The AI learning tracker app serves as a practical example of how these AI agents can work together to achieve a common goal. Designed to monitor learning progress, generate AI-driven review questions, and visualize educational journeys, the app highlights the potential of AI-assisted development in tackling complex tasks. In this project, Gemini CLI automates testing to validate the app's functionality, Claude Code develops the back-end infrastructure to manage data and logic, and GitHub Copilot creates an engaging front-end interface. However, the process also reveals the limitations of AI agents, emphasizing the indispensable role of human developers in bridging gaps, resolving issues, and making sure the app meets quality standards. AI-Assisted App Development : Tools, Tips and Best Practices Watch this video on YouTube. Gain further expertise in AI Code Agents by checking out these recommendations. Orchestrating AI Agents: Workflow Strategies To maximize the efficiency of AI-assisted development, it is essential to define clear workflows and assign tasks strategically. The development process often begins with initializing the project using a modern framework like which provides a solid foundation for building scalable web applications. Once the project is set up, mission documents can be created for each AI agent, outlining their specific roles and contributions. Two primary workflow strategies are commonly employed: Parallel workflows: Enable simultaneous progress on front-end, back-end, and testing tasks, significantly reducing development time and improving efficiency. Enable simultaneous progress on front-end, back-end, and testing tasks, significantly reducing development time and improving efficiency. Sequential workflows: Address task dependencies by making sure that foundational components, such as the back-end API, are functional before integrating them with the front-end interface. By adopting a structured approach, you can minimize inefficiencies and ensure seamless collaboration among the AI agents. This not only accelerates development but also enhances the overall quality and coherence of the application. Challenges Requiring Human Oversight While AI agents offer significant advantages in terms of speed and automation, they are not without limitations. Human expertise remains critical in addressing several key challenges: Error resolution: AI-generated code may contain bugs or fail to execute as intended, requiring manual debugging and troubleshooting by skilled developers. AI-generated code may contain bugs or fail to execute as intended, requiring manual debugging and troubleshooting by skilled developers. Task alignment: Making sure seamless integration between front-end and back-end components often demands human intervention to resolve inconsistencies and optimize performance. Making sure seamless integration between front-end and back-end components often demands human intervention to resolve inconsistencies and optimize performance. Validation: Reviewing and refining AI-generated code is essential to maintain high standards of quality, functionality, and security. These challenges underscore the importance of human oversight in guiding AI agents, validating their outputs, and making sure the final product meets professional and user expectations. Key Outcomes and Observations By effectively orchestrating Gemini CLI, Claude Code, and GitHub Copilot, you can develop a functional prototype of the AI learning tracker app. The ability to work on front-end, back-end, and testing frameworks in parallel demonstrates the potential for accelerated workflows and increased productivity. However, it is important to note that the app will likely require further refinement and optimization before it is ready for production use. This process highlights the value of AI agents in enhancing development efficiency while reaffirming the critical role of human developers in overseeing and improving their work. The collaboration between AI tools and human expertise creates a balanced approach that uses the strengths of both. Future Implications of AI in Development The integration of AI agents into software development represents a significant step forward in improving efficiency, collaboration, and innovation. However, the effectiveness of these tools depends on your ability to guide and prompt them effectively. As AI technologies continue to evolve, mastering the orchestration of their roles will become an increasingly important skill for developers. While AI agents can automate many aspects of the development process, they are not a replacement for human expertise. By combining the strengths of AI tools with skilled oversight, you can unlock new levels of creativity and productivity in software development, paving the way for more innovative and efficient solutions in the future. Media Credit: Zen van Riel Filed Under: AI, Guides Latest Geeky Gadgets Deals Disclosure: Some of our articles include affiliate links. If you buy something through one of these links, Geeky Gadgets may earn an affiliate commission. Learn about our Disclosure Policy.
Daily Mail
7 hours ago
- Daily Mail
Microsoft seeks 6,000 worker visas amid mass layoffs
Microsoft applied for as many as 6,000 specialized migrant worker visas leading up to a decision to terminate 9,000 jobs globally, according to new reports. The global tech giant revealed this week it would cut around 4 percent of its global workforce as it ramps up investments in artificial intelligence. The move has seen loyal, long term American employees lose their livelihoods and sparked unrest at a time when President Donald Trump is trying to ramp up local production and employment. But data compiled by U.S. Citizenship and Immigration Service suggests that in the 2025 fiscal year, Microsoft has already applied for 4,712 H1-B visas. Anecdotal commentary on X among former staff and insiders actually places this number closer to 6,000 - but the exact figure has not been verified. But the visa is often tied to a specific role at a specific company, meaning an employee's right to live in the United States is tied to their employment and, theoretically, making it less likely that they will quit their jobs. Once their role is terminated, they often have to leave the United States. 'In some sense, there's nothing strange here,' Steven Camarota, director of research at the Center for Immigration Studies, told Newsweek. 'You have a situation where the advocacy or use of guest worker programs is entirely always disconnected from the actual behavior of businesses. 'The actual data we have never supports the idea that we are terribly short of workers in the way that the business community says.' The tech giant will slash around 9,000 jobs across different teams, geographies and levels of experience, the company said on Wednesday. 'We continue to implement organizational changes necessary to best position the company and teams for success in a dynamic marketplace,' Microsoft said in a statement. It is the fourth round of layoffs at Microsoft this year following the cutting of 1 percent of its headcount in January, 6,000 further job cuts in May and 300 more in June. In April, Microsoft said it planned to use third-party firms to handle more sales of software to small and mid-size customers. The company had a global headcount of 228,000 at the end of June 2024. Microsoft has market capitalization of over $3 trillion - the biggest in the world - but it is looking to rein in costs as it funnels billions into its ambitious bet on artificial intelligence. But its use of expert foreign labor is among the highest in the United States, ranking seventh out of the top 10 US corporations. Amazon ranks first, with 9,200 applications in 2024. has reached out to Microsoft regarding its use of the H1-B visa program. There is no known or confirmed link between the H1-B visas Microsoft is applying for and the global cuts which have been made. But this has not stopped MAGA supporters from calling for the visas to be stopped while layoffs of local employees are taking place. 'This is economic treason. Approving a single H1B right now is a grave betrayal of your fellow citizens,' right-wing X account Pine Baron wrote. 'How is this not economic treason? Every H1B approved now is a slap in the face to hardworking Americans. Stand up for your fellow citizens,' another said. 'Trump should be stopping H1-B until this is under control. Microsoft should not be allowed a visa person for 10 years,' a third wrote. Amid Trump's efforts to deport illegal immigrants and bring work back to America, the H1-B visa has drawn the ire of MAGA loyalists who believe its existence takes jobs away from hardworking Americans. Supporters of the visa program, including Elon Musk and Vivek Ramaswamy, argued the program attracts high value workers to the United States and even suggested they were in favor of increasing work visa allowances. But the president's base is still vehemently opposed. Trump himself has not indicated he has any plans to change the H1-B visa scheme, even as he seeks to carry out the largest mass deportation agenda in US history. 'The problem here is, for the most part, the system works well for business, and if it works pretty well for business, well the incentive to change it in ways that would protect American workers is hard,' Camarota said. 'The reality is that the business community is convinced they need the workers and there is tremendous skepticism in the part of the public. The end result is political stalemate in terms of reforms.' Microsoft experienced one of its best ever quarters between January and March, with $26billion in profit. Stock is up nearly 20 percent year-to-date. The news comes days after Amazon's CEO announced brutal workforce cuts as the company also increases its use of AI. Amazon boss Andy Jassy said he plans to reduce the company's corporate workforce over the next few years as the tech will make certain roles redundant. Jassy told employees in a note seen by the Wall Street Journal that AI was a once-in-a-lifetime technological advancement and it has already transformed how Amazon operates. 'As we roll out more Generative AI and agents, it should change the way our work is done,' he wrote in the memo. It is not yet clear how many workers will lose their jobs and when the cuts will come. 'It's hard to know exactly where this nets out over time, but in the next few years, we expect that this will reduce our total corporate workforce,' Jassy (pictured) explained. Those close to the matter told the outlet that a large chunk of the decrease in headcount would hopefully occur via attrition. This means as employees move on their roles will not be filled. However, this will not cover all of the reductions and layoffs are still expected to occur at some point. Amazon is the second largest employer in the country and is seen as a bellwether for employment stability. The company has already slowed hiring, suggesting AI is already influencing the company's staffing needs. It is also clear the company is betting big on the new technology, after it revealed plans to splash $100 billion on data centers that AI depends on.
