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https://stockinvestingsingapore.blogspot.com/ | 2021-05-11T20:07:03 | s3://commoncrawl/crawl-data/CC-MAIN-2021-21/segments/1620243989856.11/warc/CC-MAIN-20210511184216-20210511214216-00615.warc.gz | 0.957425 | 223 | CC-MAIN-2021-21 | webtext-fineweb__CC-MAIN-2021-21__0__169392011 | en | Let’s take a look back at the 2008 Global Financial Crisis bear market for a good example.
When the bull market started in March 2009, the S&P 500 rallied +63% from the bottom through the end of the year – very close to the +68% rally following the Covid-19 bear. In 2010, which was the second year of that bull market, the S&P 500 endured an intra-year correction of -16%.
The correction was scary at the time, but also healthy – the market finished up +13% in 2010. We have seen this very regularly throughout history, where the second year of a bull market is choppy but also finishes positive. I could see a similar outcome in 2021.
So, how should investors prepare for market volatility or a double-digit correction? Using history as a guide, it is time to mentally prepare for a correction now, so when it arrives, you expect it and can avoid making any knee-jerk, reactive decisions.
Adapted from Zacks "Mitch on The Markets" on 8 May 2021 | finance |
https://relatones.com/who-we-serve/financial-services/ | 2024-04-13T14:59:55 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816820.63/warc/CC-MAIN-20240413144933-20240413174933-00480.warc.gz | 0.939294 | 150 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__110126628 | en | Relatones is a leading provider of exceptional learning and development consulting, training solutions, IT consulting, and marketing consulting services to the financial services industry. Our custom-tailored training programs help financial organizations improve employee skills, enhance customer service, and drive revenue growth.
Our IT consulting and digital transformation services enable financial services providers to optimize their technology infrastructure, enhance cybersecurity, and implement innovative solutions that improve operational efficiency and better serve their clients.
Additionally, our marketing consulting services help financial organizations develop effective marketing strategies, optimize their digital presence, and reach their target audience with precision. We understand the unique challenges faced by the financial services industry and we are committed to helping our clients overcome those challenges to achieve their business objectives and stay ahead of the competition. | finance |
http://www.visitingvienna.com/visitorinfo/creditcards/ | 2019-02-22T18:35:58 | s3://commoncrawl/crawl-data/CC-MAIN-2019-09/segments/1550247522457.72/warc/CC-MAIN-20190222180107-20190222202107-00262.warc.gz | 0.960503 | 243 | CC-MAIN-2019-09 | webtext-fineweb__CC-MAIN-2019-09__0__69892982 | en | So do they take credit cards in Vienna?
Well, the city and Austria in general does not have a strong tradition of credit card use. What that means is you can NEVER assume that you can pay for your meal, room, tickets or shopping with a credit card.
Always check for the appropriate symbol on the door or till, first.
Don’t get me wrong – many places in Vienna (especially hotels and other places that regularly serve tourists) do take cards. But many don’t, so check first if in doubt. Even those places you’d think were mad not to take credit cards might refuse your plastic.
The two most popular cards here are probably VISA and Mastercard.
The relatively low uptake of credit cards in the population has its roots in traditional values. Austria is not a credit-driven economy; home ownership is not widespread in Vienna, for example.
The credit card companies also charge an annual fee which puts off some people. And debit cards (the Bankomat card where each payment you make comes straight off your Austrian bank account) are popular alternatives.
(Photo credit: © kkolosov / Fotolia) | finance |
http://www.riscosopen.co.uk/content/documents/bounties/matching | 2013-05-22T22:41:42 | s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368702452567/warc/CC-MAIN-20130516110732-00054-ip-10-60-113-184.ec2.internal.warc.gz | 0.949547 | 591 | CC-MAIN-2013-20 | webtext-fineweb__CC-MAIN-2013-20__0__60584326 | en | Bounty donation matching scheme
At ROOL, we want to see the bounty scheme succeed, so ordinary users can get to see the sorts of things they want to see happen. But we understand that in the early days of the scheme, when we’re testing the water, donors may be cautious about donating, because there’s no track record of how much money has to be raised before a developer is likely to claim the bounty.
ROOL has raised money over the last few years from general donations and from sales of the C/C++ toolchain, and we think it’s appropriate to use some of this to kick start the bounty scheme. We could have chosen to do this by simply allocating money equally to the available bounties, but this pre-supposes that each bounty is equally valuable to end users, and also risks paying above the “going rate” for some tasks.
So what is ROOL doing?
ROOL is hereby pledging to match, pound for pound, the first £1000 donated, spread across all bounties. This means that every £1 you donate is worth £2 to a developer who implements your chosen bounty. It also means that it’s in your interest to donate early, while this money is still available! We will keep the remaining amount available visible on the bounty page so you have some idea how much longer you can take advantage of this scheme.
There is one exception: we won’t be matching donations to the RISC OS Open administration bounty, since this would just be paying money back into the same fund from which we’re making the matched donations, so this would be pointless!
When will this start?
This offer starts with immediate effect. We will actually be starting by matching the donations already made into the bounty scheme. The donation matching process will be performed manually by ROOL staff so don’t be surprised if it takes a few days before the matching donation from ROOL appears in the relevant pot!
What happens if a bounty is closed?
The money that ROOL matched with any donations to that bounty will be redistributed to other bounties, the same as with the original donations.
What if I want to donate more money than is left in the ROOL pledge fund?
If you want to donate (say) £100 but the ROOL pledge fund only has £50 left in it, we will match the first £50 of your donation.
What happens when the pledge fund runs out?
We will re-evaluate whether to extend the scheme at a later date, depending on how successful it has been and how much money we have left in the bank account at that point. It will be encouraging if we get to the point where the pledge fund runs out, because that will mean that the bounty scheme has also attracted £1000 in donations from other people, of course! | finance |
https://media-and-games-invest.com/management.html | 2019-06-26T00:05:20 | s3://commoncrawl/crawl-data/CC-MAIN-2019-26/segments/1560627999964.8/warc/CC-MAIN-20190625233231-20190626015231-00554.warc.gz | 0.967918 | 177 | CC-MAIN-2019-26 | webtext-fineweb__CC-MAIN-2019-26__0__71293513 | en | Remco Westermann, MSc Erasmus University
Executive Director & Chairman of the Board
Experienced general manager, enterpreneur and investor, with over 25 years of experience in various roles in media- and mobile industries, including his role as a consultant with Adstrat and managing director and board positions at Sonera, Sonera Zed, Bob Mobile, Cliq Digital, Samarion and Gamigo AG. Dedicated to growing companies via buy & build as well as organically.
Over 25 years of experience in international corporate finance advisory in various fields such as M&A, equity/debt financing and venture capital. During that time for six years he was the CEO of a publicly listed Private Equity Firm. For five years he managed as CEO an investment management firm. Before that he was partner in the largest mid-cap principal investment firm in Switzerland. | finance |
https://elenasusanazarate.wordpress.com/2013/03/11/us-labour-market-shows-strong-rise/ | 2018-07-16T12:21:11 | s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676589270.3/warc/CC-MAIN-20180716115452-20180716135452-00109.warc.gz | 0.964569 | 605 | CC-MAIN-2018-30 | webtext-fineweb__CC-MAIN-2018-30__0__264596815 | en | BBC NEWS. Page last updated at 16:52 GMT+01:00, viernes, 8 marzo 2013
The US unemployment rate fell to 7.7% in February, the lowest since December 2008
Hiring in the US has gathered momentum after government figures showed that the economy created 236,000 jobs in February.
The figure was much higher than analysts had expected, and more than the 157,000 jobs created in January.
The unemployment rate fell to 7.7% last month, the lowest since December 2008, from 7.9% in January, figures showed.
But the White House’s chief economist said more work was needed as Congress remained divided over economic policy.
Employment growth has risen by an average of 195,000 a month in the last three months, figures show. Analysts had forecast a rise of 165,000 jobs for February.
Following the release of the jobs figures, stocks on Wall Street opened higher with the Dow Jones index up 62.23 points at 14,391.72. The dollar also gained against the euro and the yen.
Professional and business services added 73,000 jobs last month, while the construction industry hired 48,000 employees. The health care industry added 32,000 jobs and the retail sector added 24,000 new staff.
Only government lost 10,000 jobs in February, mostly in local education. The public education sector has now lost 340,700 jobs since its 2009 peak.
But the number of long-term unemployed – out of a job for at least 27 weeks – was unchanged, accounting for about 40% of the jobless total.
“Progress in the labour market is unmistakable. The economy is producing more than twice as many jobs as it did at the low point in the second quarter of last year,” said Joseph Trevisani, chief market strategist at Worldwidemarkets.
But he warned that optimism was “relative”, because of slow economic growth. The economy in the October-December quarter made modest gains, growing at an annualised rate of just 0.1%.
Analysts are now debating whether the labour market is strong enough to weather a series of public spending cuts, known as the sequester, and whether the Federal Reserve will continue with its loose monetary policy.
The latest jobs report takes into account the period before the sequester officially began on 1 March.
Last week, President Barack Obama signed into effect spending cuts worth $85bn (£56bn), although he warned that the cuts – if fully realised – would slow US economic growth by 0.5% and cost 750,000 jobs.
The sequester was drawn up in mid-2011 as Congress and the White House feuded over raising the debt ceiling and how to slash the huge US deficit.
Republicans wanted deep cuts in spending, while Democrats insisted on raising taxes as part of any plan to tackle the country’s $16.6 trillion debt. | finance |
https://cvp.uni.edu/symposium/registration | 2021-04-14T19:39:09 | s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618038078021.18/warc/CC-MAIN-20210414185709-20210414215709-00428.warc.gz | 0.9635 | 118 | CC-MAIN-2021-17 | webtext-fineweb__CC-MAIN-2021-17__0__173758916 | en | Refunds will be given if written notice is postmarked by January 15, 2019. There will be a $25 processing fee for all refunds. Please note that the submission of the registration form is a commitment to pay the registration fee, regardless of weather conditions. No-shows will be invoiced and subject to collection for the full amount if written notice is not postmarked by January 15, 2019. Refunds will not be given after January 15, 2019. Request for a change in registrant can be accommodated only if the new responsible party's payment has been received. | finance |
https://studenthelpr.com/best-dutch-bank-for-students | 2024-04-20T01:36:34 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817463.60/warc/CC-MAIN-20240419234422-20240420024422-00629.warc.gz | 0.933855 | 1,843 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__77702981 | en | In 2012, ICT innovator Ali Niknam found bunq upon the principles of ethical banking with their user’s experiences instead of profit leading the company’s direction. Niknam’s pursuit was spurred by the global banking crisis of 2008, and he launched his platform as the “WhatsApp of banking” by removing the need for IBANs. Then, when bunq got an official banking permit from the Dutch Central Bank in 2015, bunq has been able to supply its users with their own IBANs, making even more of their banking services available to the general public. Overtime, bunq has become available all throughout the EEA, with complete service being offered in Belgium, Austria, Germany, France, Spain, Ireland, and Italy as well.
The bank of The Free
So what does bunq being “the bank of The Free” entail, exactly? There is indeed an account option free from monthly payments, but this tagline primarily comes back to Niknam’s ethical banking philosophy, which is expressed in the unique fact that bunq is completely transparent about its investments. As a bunq user, you can choose how bunq uses your money, for example for ethical or green project investments, safe and reliable government bonds, or simply stored at the central bank.
This way you can rest assured that in no way bunq will ever invest your money in any type of shady business, and thus truly remain free of corruption. With the 2008 crisis waking up everyone’s awareness of the fragility of regular banking, it’s no wonder that so many (international) students, expats, and young professionals choose the ethical and innovative banking services of bunq.
User above all
As we mentioned earlier, bunq’s modern banking service is all about the user experience (UX). This expresses itself in the fact that you can setup your bunq account via your smartphone in just a few button tabs. All you need to do is get the app, enter a few personal details (which you can easily verify by taking photos of your official documents), and wait for the manual verification on bunq’s side. Then you’re all set to start banking directly on your phone, so no need to ever go to a bunq facility or even talk to an employee.
In this, you don’t even need a BSN (burgerservicenummer) to set up your account, which is perfect if you aren’t in the Netherlands yet or just moved here. Consequently, with bunq, you don’t have to worry about being able to pay your rent, shop for groceries and clothes, or get that much-needed furniture to make your accommodation more comfortable. Although it usually just takes a few days before you can get your BSN, bunq gives you 90 days to complete your account, which is also convenient if you’re only here for a short time and weren’t planning on getting your BSN in the first place.
So, the app basically has everything you need; you can scan QR codes with it to make payments on other devices (similar to the scanners that other banks supply you with), and you can generate your own QR codes for anyone who has bunq to pay you directly by scanning it, which is most convenient if you don’t have (or want) each other’s contact details.
However, if your phone is empty, lost or destroyed, or if you find yourself in front of a computer, you can still do your banking on other devices via the bunq web app or via the third-party desktop app (scroll down a little to find the download link).
Of course, you can communicate with bunq employees if you wish to do so; the employee chat is available every day from 08:00 – 23:00, and usually for 24 hours a day when they’re rolling out a new update. In addition, bunq engages with its community via its bunq Together forum and listens carefully to what users want from their banking experience (don’t be surprised if Niknam replies to your posts or comments himself). Moreover, bunq organizes real-life events in Amsterdam to demonstrate new updates and layout their most recent ideas, which have gained waiting-list-level popularity and even attract users from countries such as France, Austria, and Germany.
So, what benefits specifically set bunq apart? How does bunq save you time and help you manage your finances? The complete list is endless, but here we’ll focus on why bunq is ideal for students and expats.
- Bunq is unique in giving you monthly interest on both payment and savings account(s).
- Slice Group(s) for expenses that you make with a group: for example, the groceries, rent or utilities for your student house, or the holiday expenses of you and your family or friends.
- Even without having a Slice Group you can instantly split any bill that you paid.
- 3 debit cards, a Maestro, a MasterCard, and even a sustainable metal card: The cool thing is that the MasterCard works like a regular debit card that you can make credit card payments with as well. This completely new feature in the Netherlands ensures that you can only spend the money that you actually have.
- Thievery-proof MasterCard: there is no CVC code written on your MasterCard; your CVC is safely tucked in your app, and you can even have it be automatically changed every 5 minutes.
- Up to 25 sub-accounts: segment your savings and spending finances effectively. -** Have 2 pin codes connected to 1 card:** for example, on 1 bank card you can link one code to your checking account and one to your savings, or one to a groceries sub-account and one to your general account.
- Change your pin code(s) and deactivate bank cards whenever you like.
- Control security settings: limit (sub-)account spending, give permission per country, change login code and authentication methods, and much more.
- Instant payment push notifications: this way you’re always on top of your expenses, which gives you more insight and the option to immediately interfere if payment isn’t according to plan. Of course, you can turn the type of push-messages that you receive on and off at will.
- Direct debit approval: get notifications so you can approve or reject direct debits.
- Automatic saving: round off payments and have the rounded up amount sent to a savings account. For example, if you pay €2,40 for a beer, then you can have it rounded up to €3,00 and automatically put the €0,60 in a savings (sub-)account.
- Public API: constant customizations and new integrations developed by tech-savvy people
bunq offers 5 types of accounts for its users, each specified for a different type of user, but there are 3 particularly convenient for students and expats.
Easy Travel: The most convenient and secure card to travel the world with.
- All the benefits of a credit card, without the burden of debt or any monthly fees.
- Only real exchange rates, which makes you save up to 3% for each payment that you make abroad.
- Slice Groups: automatically track who paid what.
- Travel assistant: exchange rates, safety tips, travel tricks, etc.
- Integrated with Google and Apple Pay.
Easy Money: Make life easy with a bank account that makes your finances insightful and fun, so you can just enjoy life and not worry about money.
- All Travel Card benefits +
- 30 Days Free Trial
- 3 cards of your choosing with 10 monthly free cash withdrawals
- Up to 25 sub-accounts, including Dual PIN technology
- Automatic saving, and direct bill splitting and payment requests
- TransferWise integration: send foreign currencies only at the real exchange rates
- Complete Siri voice control
Easy Green: A greener world because of you; zero CO2, zero effort.
- All Easy Money features +
- For every €100 you spend, bunq plants a tree for you: become CO2 neutral in only 2 years’ time without any extra effort needed from your side.
- Sustainable Metal card: lasts 50% longer and made of 50% less plastic.
In addition, bunq offers you to get a bunq +1 for anyone that you want to share a (sub)-account with, and Business Easy Travel, Easy Money, and Business Easy Green accounts that are specifically designed to save entrepreneurs time.
If you want to be one of the thousands of students that became part of the bank of The Free follow this link and find out more about bunq. | finance |
http://makemoneyfromsaving.blogspot.com/2009/08/saving-money.html | 2018-07-18T14:28:36 | s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676590199.42/warc/CC-MAIN-20180718135047-20180718155047-00606.warc.gz | 0.978933 | 167 | CC-MAIN-2018-30 | webtext-fineweb__CC-MAIN-2018-30__0__102171248 | en | Monday, August 3, 2009
Now that you've cut your expenses and increased your income, you've come to the boring part. Now, it's time to save money. You'll need to save for a few years. Yep, a few years. Sounds hard? It is. Sounds boring?..........It is. But, it's time that you do it, and once it's over, it's over forever. Once it's over, you'll feel better about yourself, be more financially secure, and be more ready to tackle the world of getting rich than ever before. The hardest process of all in getting rich is the process of saving money for a few years. If you can get past this part, then you definitely can be rich. The hardest part is over only a few years away. Get started. | finance |
http://hub.syncweekly.com/index.php/2012/03/28/ | 2013-05-25T19:13:18 | s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368706121989/warc/CC-MAIN-20130516120841-00036-ip-10-60-113-184.ec2.internal.warc.gz | 0.942866 | 149 | CC-MAIN-2013-20 | webtext-fineweb__CC-MAIN-2013-20__0__83311328 | en | The potential Mega Millions lottery payout has reached a new record high at $500 million. The next drawing will be held on Friday.
According to a story in the Arkansas Democrat-Gazette, “Julie Baldridge, a spokesman for the Arkansas Scholarship Lottery, said the figure represents the highest jackpot ever in any lottery. Mega Millions jackpots start at $12 million and grow when no one matches all six numbers. The current jackpot started with a draw on Jan. 25 and had swelled to $376 million in Tuesday’s drawing.”
We’re wondering this week if you’ll go out of your way to play the lottery based on this record-setting jackpot total? | finance |
http://bagnol.org/oldbagnol/Saint-Catherine/whats_new.html | 2023-03-29T17:14:25 | s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296949009.11/warc/CC-MAIN-20230329151629-20230329181629-00365.warc.gz | 0.955693 | 258 | CC-MAIN-2023-14 | webtext-fineweb__CC-MAIN-2023-14__0__121904184 | en | Saturday, September 19 - A Day of Prayer with the Bishop!
This Saturday Bishop Richard Garcia will be visiting Saint Catherine's and hosting a talk and roundtable discussion. Our own Youth Ministry will be hosting a workshop exercise which will benefit all who attend -- you don't want to miss it!
Bishop Richard Garcia
Saint Catherine gym, 3460 Tennessee Street, Vallejo.
Saturday, September 19, at 9:00 am.
We are providing lunch for a $5 donation
For more information, contact the church at (707) 553-1355.
Our Faith, Our Future campaign
Our present church building was dedicated to the service of God in 1991. When construction was completed, the parish was left with a large debt of $2.9 million. We would like to raise a minimum of $1 million that will enable us to pay the principal of our debt and plan for the future.
Saint Catherine of Siena parish, with almost 1,600 households, is still growing, and our facilities are not adequate to provide for all our present needs, let alone for those in years to come.
Every member of our parish is integral to the success of this critical fund raising endeavor. | finance |
https://www.franchisefeed.net/2020/07/franchise-disclosure-document-fdd-items-5-6-and-7-explained/ | 2022-08-08T12:41:01 | s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882570827.41/warc/CC-MAIN-20220808122331-20220808152331-00299.warc.gz | 0.921921 | 2,044 | CC-MAIN-2022-33 | webtext-fineweb__CC-MAIN-2022-33__0__92697586 | en | Items 5, 6, and 7 of a Franchise Disclosure Document (“FDD”) are all about money – how much the franchisor charges for the goods and services it provides franchisees before the franchised business opens, how much the franchisee will pay to the franchisor throughout the business relationship, and how much the franchisee will need to invest to open the business. After reading Items 5, 6, 7, the franchisee must understand how much things cost, how much they’ll be paying you, and when they will be making payments.
It is important for you to give accurate estimates to avoid litigation risks and help prospective franchisees evaluate their ability to successfully finance and open the business.
The three required disclosures of Item 5 are initial fees, refundability, and uniformity. An “initial fee” is payment that a franchisee makes for goods and services received from the franchisor or the franchisor’s affiliates from the time of signing the franchise agreement to the opening of the business. While the initial franchise fee is the most common example of an Item 5 fee, franchisors may offer services for additional fees like selecting a site, providing architecture plans, or providing opening inventory and those would need to be disclosed as well.
If you determine that any of the above fees are refundable, you will need to describe the conditions that make it so. Some of these conditions might be failure to find a location for the business or failure to receive required licenses.
Franchisors may negotiate different initial franchise fees among prospective franchisees, especially if the franchise system is emerging. Any variation from the initial fee disclosed (discounts, payment plans, etc.) in the previous fiscal year needs to be described in Item 5. This disclosure does not obligate the you to offer the same discount to future franchisees, but it puts prospective franchisees on notice that you have been willing in the past.
While Item 5 focuses on the fees a franchisee pays to the franchisor before it opens the business, Item 6 describes the fees that may be paid to the franchisor or its affiliates throughout the business relationship. If the franchisor collects a fee on behalf of another party, that will also be included in Item 6. Item 6 requires these fees to be in a specific table, a model of which is found below.
|Name of Fee||Amount||Due Date||Remarks|
|Royalty||5% of monthly Gross Sales||You must submit your sales reports to us by the 5th of each month. The royalties will be electronically drafted from your bank account in one installment each month on the 7th.||Monthly Gross Sales is defined in Note 1.|
|Brand Fund Fee||2% of monthly Gross Sales||Payment made by debit or check to us or by electronic funds transfer (“EFT”) on the 7th of each month, as we designate.||Can be raised up to 3% of monthly Gross Sales|
|Minimum Local Advertising Spend||$500/month||As incurred/monthly||You are required to spend at least $500 per month on local advertising, in the form and manner we require, and to the vendors we approve.|
|Renewal Fee||$10,000||Upon signing of new franchise agreement.||Payable in immediately available funds. Renewal is for a single 10-year term.|
|When we approve franchise transfer.||Fee must be deposited with us prior to our undertaking any review, drafting of documents|
Most franchise systems require franchisees to pay a royalty. This fee is typically a percentage of gross sales and may be subject to a weekly or monthly minimum payment. Another very common fee is a brand advertising or marketing fund used for marketing services and tools that benefit the entire franchise system. Item 6 also lists fees that must be paid to the franchisor upon the occurrence of certain events like renewal of the franchise agreement, transfer of the franchise agreement, or additional training. Finally, some fees function as penalties for breaches of the franchise agreement, such as using unapproved advertising, failing to obtain insurance, or failing to attend required trainings.
The menu of fees that you select will be driven by the needs of your franchise system and the support that you offer franchisees.
Item 7 is designed to help franchisees understand how much money they will need to spend to get the business open and operating. Item 7 includes payments franchisees will make to third parties.
In a table titled “Your Initial Investment”, the franchisor describes the types of expenditures a franchisee will make. The types of pre-opening expenses include the initial fees from Item 5, training, cost of leasing or purchasing real property, equipment and fixtures, construction and improvements, signage, computer equipment, and opening inventory. You can add other categories based upon the unique elements of your system. The final category represents the amount of funds necessary to operate the business for three months.
For each category of initial investment, you will identify the high and low estimates, method of payment, payment due date, and to whom the payment will be made.
The footnotes to the table are just as important as the estimates. These notes give the rationale for the estimates. These are a practical guide to the requirements and best practices of opening and operating a new franchised business. For example, the franchisor will explain that its estimate assumes a certain type of leased space and square footage, that certain equipment will be leased rather than purchased, and the cost of required licenses.
An example of Item 7 is below.
YOUR ESTIMATED INITIAL INVESTMENT1
|TYPE OF EXPENDITURE||AMOUNT LOW||AMOUNT HIGH||METHOD OF PAYMENT||WHEN DUE||TO WHOM PAYMENT IS MADE|
|Initial Franchise Fee||$50,000||$50,000||One lump sum payable upon signing of the Franchise Agreement.||Franchise fee is due on signing Franchise Agreement.||Franchisor|
|Leasehold – first 3 months||$10,000||$30,000||Monthly Rent or landlord terms.||Typically at the first of each month. May vary depending on landlord.||Landlord|
|Leasehold Improvements||$50,000||$100,000||Lump sum or (possibly) amortized by landlord.||Varies depending on your contract with supplier.||Supplier or Landlord|
|Signage||$1,000||$5,000||Lump sum.||Varies depending on contract with vendor.||Approved Vendor|
|Furniture, fixtures, and equipment||$10,000||$15,000||Progressive payments or lump sum incurred||Varies depending on contract with vendor.||Approved Vendor|
|Initial Inventory||$10,000||$15,000||Progressive payments or lump sums incurred||At time of purchase or varies depending on contract with vendor or supplier.||Various Vendors and Suppliers|
|Computer Systems and Equipment||$5,000||$7,000||Lump sum.||At time of purchase or varies depending on contract with vendor or supplier.||Various Vendors and Suppliers|
|Training living expenses||$500||$1,500||As incurred.||Before opening.||Air travel, hotels, meals, incidentals|
|Insurance||$500||$1,000||Lump sum or terms of provider.||Varies depending on contract with provider.||Approved Provider|
|Accounting and Legal Services||$1,000||$1,500||Paid monthly or as invoiced by vendor in lump sum.||Varies depending on vendor.||Various Suppliers|
|Grand Opening Marketing and Events||$10,000||$10,000||Lump sum or as incurred.||As incurred.||Various suppliers, our approved grand opening marketing provider|
|Minimum Local Advertising Spend||$500||$500||Lump sum or as incurred.||As incurred.||Various suppliers or us or our affiliate|
|Additional Funds—3 Months||$7,500||$10,000||As incurred.||(Money to work with still after 90 days – as incurred.)||Vendors, employees, utilities, landlord, suppliers, insurers, tradesmen, city, county|
Note 1: The estimates are based on an initial period consisting of pre-opening and the first 3 months of operation. All fees and payments are non-refundable unless otherwise noted or allowed by third-party vendor. During our last fiscal year all fees in this Item that were paid to us were applied uniformly. Preparing compliant and accurate Items 5, 6, and 7 takes a combination of your business experience and a lawyer’s understanding of what fees need to be disclosed in each Item. The process of developing Items 5, 6, and 7 will help you to make decisions about how the franchise system will operate and help you to articulate that clearly to franchisees. Items 5, 6, and 7 are highly scrutinized by franchisees, both before and after they sign the franchise agreement, because they describe the critical economic components of the franchisor/franchisee relationship. Failure to disclose these Items fully or accurately is a significant, but avoidable, litigation risk.
The attorneys at Manning, Fulton & Skinner have extensive experience drafting Items 5, 6, and 7. Reach out if you have questions about what disclosures you need to make and how you need to make them. | finance |
https://www.chigisworld.com/2019/02/12/mindset-money-10-money-myth-to-change/ | 2023-05-31T20:12:18 | s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224647409.17/warc/CC-MAIN-20230531182033-20230531212033-00181.warc.gz | 0.959173 | 2,366 | CC-MAIN-2023-23 | webtext-fineweb__CC-MAIN-2023-23__0__268338517 | en | Mindset & Money – 10 Money Myths to Change
How’s your week going? Today I’m talking about Mindset & Money – 10 Money Myths to Change because I’m passionate about helping women find their purpose, use it to make impact and profit so they can attain financial freedom and flexibility to function at their highest capacity and maintain a healthy, happy and balanced life.
What’s your Money Mindset & how well do you Manifest Money? No matter how much you may cringe when people talk about money, you have to understand Money, How to Make it, save it, use it & Invest it because it determines what type of life you live, how much quality time you get to spend with your loved ones, how well your needs are met etc.
Yes, Money doesn’t buy you happiness but it buys you the ability to make significant changes in your life/community, it buys you the freedom, flexibility, power, opportunity & everything else in between your need to maintain a healthy, happy, balanced & successful life. If you disagree with me, leave a comment below saying why.
How well do you understand money? I’m not a financial expert but one thing I can say is most people don’t understand & respect the principles of money which is why they spend their whole life struggling to get it. Also, I’ve learned that most people don’t have a healthy relationship with money. Our thoughts, feelings & attitude toward money has been based on lies, twisted tales & stereotypes, so my goal in the PART 1 of this Money Series is to highlight some of the myths about money that needs to be discredited & share some tips on how to change that narrative so you can be set free mentally & financially.
What I’ve learned in the past few years about money has been mind blowing & life changing. I’m a young African American immigrant woman whose parents relocated to the United States for a better life. I come from a hardworking middle-class family where my Dad had a great 9-5 Job in the Oil & Gas Industry & worked hard at it for more than 30 years to take care of not only his immediate/nuclear family, but also his extended family. So, I grew up with a certain mindset/relationship with money which was heavily shaped by what my parents & people around me said/felt about it and did with money.
Below are the common beliefs, narratives, feelings & relationships with money that most people have so we can mystify them.
- Money is limited and scarce – The idea that there isn’t enough money is part of a limiting, negative and poverty mindset. There may be a certain amount of dollar bills in circulation in the economy right now but there is an unlimited amount of ways for you to make that money and there’s enough to go around if you understand money and execute a successful plan to get it by providing value to people. You can’t live in constant anxiety over money not being enough if not that will become your reality. You need to operate from a place of abundance, positivity and growth.
- Money is the root of all evil – A lot of people are scared of making money because they are scared that it will make bad things happen to them and they will become evil. Well money is just money and has no human attributes. The love for money over human life and values is a problem so money assumes the attributes of whoever controls it.
- Money corrupts and changes good people – Money doesn’t change you and having money doesn’t make you bad or good, instead it highlights your innate personality, character and enhances the qualities you already have within you. You may develop this mindset because of your encounter with people who appear to value money over any human principle or morals which is wrong but the money is not to be blamed for their decision. Money is just money, it’s neither good nor bad, it doesn’t have human qualities, money does what it’s owner assigns it to do. Money doesn’t control people, people control money and choose what to do with it and what value it can provide.
- Rich and wealthy people are greedy and selfish – You may have had a bad experience with a person who seemed rich that made you jump to the conclusion that having money makes you greedy and selfish but there is nothing wrong with having a lot of money, what matters is how you made it, what you do with it, how you treat people, how you manage it and how you use your resources to make a positive impact in people’s lives. The money you have is usually a reflection of the value you have provided for people so there is nothing greedy or selfish about that. In fact, it shows how selfless you are, how much you care about people & how many lives you’ve impacted/changed. Yes, some people provide great value freely sometimes but there is nothing wrong with being compensated for the work/value you create and it teaches other people to invest in themselves, learn to give and create instead of just consuming and taking all the time.
- Money isn’t important or necessary so having a desire to make money is bad – If this is your belief then you’ll never make enough money because money goes only where its valued, respected & used responsibly. There is nothing wrong with wanting to make money, everyone wants that no matter how and what they say because money is essential to living your life. The goal and ability to meet your basic needs, spend quality time with your loved ones, do the things you love, engage in your hobbies, travel the world, fulfill your dreams, help your family & community lies in the brutal fact that you need money. It gives you more free time, more flexibility, more autonomy, more power, more luxury, more options in life, more resources to make things happen, achieve your highest potential and help others do the same.
- Money should always be spent or it should only be saved – You can’t be at both extremes because if you believe that money should just be spent without a balance in your belief that you should also save, you’ll have financial problems. Money needs to flow freely but it needs to flow in the right direction and it needs to be used and managed responsibly and with purpose. You need to save some money for emergency situations, invest some money so it can make you even more money but you also need to not learn to spend in a smart way on yourself, on others and on doing great things for your community. You can’t squander your money or be too frugal, what you need is a balance but always make sure that you cash flow into your accounts is more than your expense going out.
- I’m not good with money – That’s simple not true. Nobody is born understanding money and being great at managing it. It is something that’s learned so if you don’t have a great relationship with money and have a hard time right now managing it properly, you can always learn and get better. You just have to change your belief and attitude about it, take responsibility for your finances and learn to be better.
- The rich get richer & the poor get poorer – This is a mindset that paralyzes you. If you think this way it’s like you’ve given up & have concluded that your situation can’t change which limits you and holds you stagnant. For you to grow and succeed in life, you need to adopt an abundant, positive and growth mindset that propels you to continue to learn, grow, move forward, keep trying, have hope and accomplish your goals.
- You have to work very hard to be rich or you need to have the right network/family to be rich – Again this mindset is untrue and can limit you. While there is nothing wrong with working hard and having a certain type of network may be helpful in being successful, it is only one way. If you understand the principles of Money and how to make it, manage it & make it make more money for you know that you can make money by working smart, leveraging your resources to create real and long lasting value for people at a great price and as you create such value, you will continue to reach more people and start to build a community. There is no one formula or reason to make money and be rich, everyone’s experience and path is different so find what works for you.
- Rich people are unhappy, miserable and depressed because money means more problems – As I’ve said before, money doesn’t buy you happiness but money doesn’t make you depressed or unhappy either. Also, money doesn’t cause more problems, it only highlights and enhances things. It is all about perspective which is based on choice. People are unhappy, miserable and can be depressed regardless of how much money they have or how much impact they make in peoples lives but money gives you the resources to seek further help when needed, it helps you better care for yourself and gets you more support. So just the way people can be poor and depressed, you can be rich and completely happy. It doesn’t have to be one or the other.
What do you think of the above myths about money I just shared? Are there others you know of and want to share in the comment section?
Remember that for you to truly live a life of abundance, tap into your highest purpose and achieve your goals of being healthy, happy, balanced and successful, you have to identify and overcome your limiting beliefs about yourself, your life, people and also money. If you don’t change those negative narratives and limiting beliefs about money that don’t serve you, you will continue to have an unhealthy relationship with money and internally & financially struggle.
So, the first step to financial success & freedom is to identify & change/transform your mindset/feelings/relationship about money because your beliefs determine your feelings which determines your attitude & then your reality/experiences. Your beliefs are usually working on you subconsciously & as you accept them, they become your reality unless you are aware that they exist & you do the work to uncover & then change them.
So, get a book and pen because it’s time to get to work & start uncovering what type of limiting beliefs, habits & feelings are affecting your finances. Take time and reflect and dig deeper into your subconscious and ask yourself the following questions.
What are your feelings about money?
What did you hear and see about money growing up?
What experiences did you have with people about money?
What does money mean to you?
Write out your observations, narratives and perspective about money and then evaluate them rationally. Next, change/rephrase them into something more positive and uplifting, repeat them daily, visualize these new beliefs and the new person you choose to become with this new mindset and journal about your feelings and great experiences with this new mindset/perspective.
Also here are some great books on mindset and money makeover which you can read and use as a resource.
I hope this is helpful and has started you on a new journey towards self discovery and growth. If you have any questions, share below in the comment box or email me at [email protected]
Have a great day! | finance |
https://www.vipromarkets.com/about-us/about-vipro-markets/ | 2018-04-22T00:54:06 | s3://commoncrawl/crawl-data/CC-MAIN-2018-17/segments/1524125945484.57/warc/CC-MAIN-20180422002521-20180422022521-00164.warc.gz | 0.927666 | 269 | CC-MAIN-2018-17 | webtext-fineweb__CC-MAIN-2018-17__0__212818593 | en | Vipro Markets is a global EU regulated online broker, with a prime focus on Forex, Stock Indices, commodities, CFDs and precious metals. We serve both institutional and retail Clients from all over the world, always with a keen passion to offer services of the highest quality level and utmost transparency.
Vipro Markets is authorized and regulated by the Cyprus Securities and Exchange Commission (CySEC), with license number 278/15, and is a Member of the Investor Compensation Fund (ICF).
Our mission is to become a leading global broker in the financial services industry, powered by technological innovation, exclusive products and flawless trading conditions in order to serve and exceed the expectations of our traders, investors and stakeholders.
We believe that our ability and persistence to meet the demands of the rapidly evolving financial market along with our strong EU regulation, present an enormous opportunity for us to become an industry game-changer.
Vipro Markets is a trader-centric company where every team member strives for our traders’ success. The guiding forces of our organisation are corporate transparency, advanced technology, clean and efficient trading environment and above all, strong regulation.
We aim to be the preferred destination for all serious traders across the globe by delivering the best trading conditions in a transparent and reliable trading environment, while providing exceptional customer experience. | finance |
https://www.filamatic.com/about-us/careers/accounts-payable-receivable-clerk/ | 2023-03-20T21:53:50 | s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296943562.70/warc/CC-MAIN-20230320211022-20230321001022-00355.warc.gz | 0.893993 | 1,424 | CC-MAIN-2023-14 | webtext-fineweb__CC-MAIN-2023-14__0__221355322 | en | Careers >> Finance >> Accounts Payable (AP) / Accounts Receivable (AR) Clerk
Filamatic, a division of National Instrument LLC is a 70-year-old leading manufacturer of packaging machinery for pharmaceutical, cosmetic, biotech, and chemical specialty industries located in Baltimore, Maryland. Our success is attributed to exceeding our customers’ expectations by providing products and services which offer a superior value proposition, striving to create a great working environment for our employees and driving continuous process improvement initiatives.
The culture at Filamatic is built on our shared core values – ethical, team-oriented, continuous improvement, trust, golden rule standard (we treat others as we want to be treated ourselves), excellence (we strive for excellence individually and expect the same from our colleagues and support our employees to improve their skills and talents), customer centric and a healthy and safe work environment. If you are interested in making an impact with a growing company and want to share ideas and help build a world class organization this is the company to join.
Why Work for Filamatic
- Highly engaged workforce committed to solving customer problems.
- A company that values their employees.
- A company that promotes a culture of support, open communication, and teamwork.
- Experienced handling and metering most liquids used in the diagnostic, biotech, and cosmetic industries.
- A respected and well recognized name for manufacturing durable machinery that is made in the U.S.A.
- Leadership that is committed to the development of the employees.
- Leadership that is passionate about continuous improvement and growth.
- Employees that possess expert knowledge in their fields.
- A company that believes strongly in supporting the community through local charities.
- Health, Dental, Vision, Life Insurance, and 401K
- 10 paid holidays per year
- Tuition reimbursement
- Work life balance
- Coaching and mentorship
- Health Savings Account
- Employee Assistance Program
- Recognition program
- Career development training
- Employee referral bonus
Checks and verifies cost accounting, account payable records, prepares invoices and vouchers, types, files, posts ledger and general journal entries, and/or balances accounts payable and accounts receivable records. Uses office-automated systems to input data, generate reports, conduct specialized research projects and respond to inquiries. May reconcile difficult accounts. May maintain a complete and systematic set of transactions in a specific phase of accounting. Reports to Director of Accounting & Finance and is located in Baltimore, Maryland.
- Match accounts payable invoices to open inventory receiving.
- Match credit memos to open returns to vendor.
- Process miscellaneous payable invoices without purchase order.
- Work with internal employees to resolve receiving issues and contact suppliers regarding billing discrepancies and credits.
- Monitor vendor statements for errors, unprocessed invoices and payments.
- Prepare payment report, process payable check run and submit for approval and signature. Mail payments to suppliers and file copy of check with the invoices paid.
- Make general journal entries to support the general ledger control system.
- Review invoices for complete and accurate reporting of sales tax.
- Prepare and provide supporting documentation to assist in the preparation of monthly financial statements, annual audits, and tax filings.
- Download credit card transactions, verify supporting documentation, coding, and required approvals.
- Process wire payments to suppliers for advance payments and record in accounting system.
- Track and reconcile advance payments once items are received. Enter invoice to clear advance and apply to advance payment already in the accounting system.
- Smaller function of invoice entering and check writing within QuickBooks for other entities owned by company.
- Documenting new suppliers and getting W-9 forms to meet compliance. Creating and mailing 1099’s annually.
- Reconciling general ledger accounts for received goods not invoiced, advance payments and accrual accounts monthly.
- Prepare weekly cash activity report showing deposits and deductions from cash account.
- Generate Invoices and billing of customer sales orders.
- Enter the invoices into online portals for specific customers.
- Reconcile shipping documents to the original customer order, review discrepancies and initiate corrective actions if necessary.
- Process credit card payments from customers.
- Process Remote Check Deposits daily.
- Retrieve daily banking information from bank website.
- Enter and post customer receipts and resolve discrepancies of under or over payments.
- Prepare weekly reporting of past due customer balances and actions taken, which is discussed with management.
- Drafts correspondence for standard past-due accounts and collections, identifies delinquent accounts by reviewing files, and contacts delinquent accountholders to request payment.
- Prepare customer statements and deliver monthly.
- Block customers for nonpayment and monitor blocked customer report.
- Initiate and monitor unclaimed property for reporting to various states and refunding to customers.
- Reconciling general ledger accounts for shipped but not invoiced, customer deposits and accounts receivable monthly.
- Other duties as assigned.
Education and Experience
- An Associate’s Degree or equivalent work experience with a strong emphasis on personal integrity
- Minimum of two years’ experience in an automated accounts payable, accounts receivable and general ledger environment.
- Note: This position has access to cash and other financial assets; therefore, initial and or random background checks will be conducted on all applicants and incumbents.
Required Knowledge, Skills, and Abilities
- Effective communication skills.
- Knowledge of Microsoft Word, Excel, and Outlook.
- Ability to learn computer systems quickly.
- Ability to anticipate work needs and interact professionally with customers.
- Excellent organizational skills and attention to detail.
- Ability to work and solve problems independently.
- Ability to work individually and with a team.
National Instrument dba Filamatic is an equal opportunity employer. National Instrument dba Filamatic does not discriminate in employment with regard to actual or perceived race, color, creed, religion, national origin, citizenship status, ancestry, age, sex or gender (including pregnancy, childbirth, related medical conditions and lactation), gender identity or expression (including transgender status), sexual orientation, marital status, military service or veteran status, disability, protected medical condition as defined by applicable state or local law, genetic information or any other characteristic protected by applicable federal, state or local laws and ordinances.
4119 Fordleigh Road
Baltimore, MD 21215-2292
For more information, please visit www.filamatic.com.
Please see our careers page for more FILAMATIC job opportunities. | finance |
https://www.momentum-trading.co.uk/hnr | 2022-05-20T07:22:34 | s3://commoncrawl/crawl-data/CC-MAIN-2022-21/segments/1652662531762.30/warc/CC-MAIN-20220520061824-20220520091824-00762.warc.gz | 0.961965 | 312 | CC-MAIN-2022-21 | webtext-fineweb__CC-MAIN-2022-21__0__34652298 | en | Highlands Natural Resources plc is a UK registered investment vehicle focused on acquiring oil and gas assets which are commercial at current oil prices. The Company, established in November 2014 by highly experienced oil and gas and financial professionals, listed on the London Stock Exchange in March 2015.
The aim is to build a platform from which to acquire opportunities in the oil and gas sector by leveraging the team’s experience and connections in the industry and international financial markets. It is envisaged that there will be a distinct production bias to the portfolio.
The Company was established to take advantage of volatile conditions in the current oil and gas market. The Board believes that, in particular, the current price weakness in oil and oil and gas company shares will present the Company with pursuable value opportunities, the likes of which have not been obtainable for some time.
Primarily utilising its extensive network, the Board aims to identify oil and gas assets which it believes fit its investment criteria. These targets will then be evaluated by the Advisory Board who will provide a further recommendation on suitability. Each member of the Advisory Board brings expertise in fields relevant to the Company’s aims, offering in particular, knowledge of acquisitions, divestments, petroleum engineering, geology, and oil drilling technologies.
The assets being sought will primarily be in production although some exploration projects will also be targeted. The aim is to establish a substantial oil and gas company with a portfolio blend that allows for the careful management of risk while providing significant upside to investors. | finance |
https://bioenergy1.wordpress.com/2010/11/10/sceptre-group-limited-www-sceptreinternational-com-analysts-cut-eua-forecast-on-renewable-growth/ | 2018-06-23T17:27:22 | s3://commoncrawl/crawl-data/CC-MAIN-2018-26/segments/1529267865145.53/warc/CC-MAIN-20180623171526-20180623191526-00623.warc.gz | 0.922027 | 532 | CC-MAIN-2018-26 | webtext-fineweb__CC-MAIN-2018-26__0__81987290 | en | Point Carbon analysts have cut their EUA price forecast for 2016 to €30, down from €33 previously.
The 9-per cent downwards revision on Point Carbon’s June forecast for EUA prices is due to an expected increase in renewable generation in Europe, analysts at Point Carbon said on Tuesday.
Over the summer, member states submitted their renewable action plans to meet the EU’s 2020 renewable targets, which led the analysts at the Oslo-based consultancy to revise their power emissions forecasts for the bloc.
Higher generation from low carbon renewable sources will displace generation from carbon intensive power sources, cutting emissions and reducing demand for carbon allowances (EUAs), the analysts said in a statement.
“Predicting how much renewable generation will be built, which impacts by how much emissions will drop and what price will be paid for EUAs, is an imprecise science,” said Kjersti Ulset, head of European carbon analysis at Point Carbon and author of the report.
However, if renewable growth continues as today, under a 20 per cent emissions reduction target, Point Carbon estimates a shortage of 2.5 billion EUAs for the 2008-20 period of the EU emissions trading scheme (ETS).
This shortage increases to 4.9 billion should EU leaders decide to deepen the bloc’s overall emissions reduction target from 20 to 30 per cent under 1990 levels by 2020.
Should the EU stick with its 20 per cent target, the analysts project EUA prices in a €15-28 range for 2016.
But if the EU decides to up its emission reduction target to 30 per cent, the EUA price range forecast is increased to €30-50.
“Point Carbon expects that the final (emission reduction) target will be 25 per cent as there is strong opposition within the EU to increasing the target and progress has been slow in terms of the international negotiations,” the report said.
The analysts arrive at the €30 per tonne price for EUAs in 2016 after weighting the forecast according to the probability of each emissions reduction scenario.
By 1130 GMT, the EUA for December delivery was valued at €14.70 on the European Climate Exchange.
Sceptre Group Limited is a specialist investment firm focused in low carbon financial investments such as sustainable biofuel plantations, agricultural farmland and green technologies.
Sceptre Group’s talented team of professionals will be happy to talk through all investment opportunities with you and build a winning portfolio for the future.
For more information, visit our website: www.sceptreinternational.com | finance |
https://www.levo-donohoolaw.com/blog/2019/08/what-is-probate-administration-why-do-i-need-it-in-collinsville-il/ | 2021-01-25T01:17:00 | s3://commoncrawl/crawl-data/CC-MAIN-2021-04/segments/1610703561996.72/warc/CC-MAIN-20210124235054-20210125025054-00295.warc.gz | 0.930229 | 539 | CC-MAIN-2021-04 | webtext-fineweb__CC-MAIN-2021-04__0__84336388 | en | What Is Probate Administration and Why Is It Necessary?
Probate administration is the process of proving to a probate court that a will is valid. If a person dies and leaves a will, then probate is required to ensure that all assets are distributed as the decedent intended. If someone dies without leaving behind a will, then probate is necessary for gathering all of their assets, paying off any debts and taxes, and distributing what’s left to inheritors. It may also be necessary if a will names a beneficiary for a certain account, but the beneficiary passed away before the owner of the account amended the will.
How the Process Works
The first step of the probate process is to file a petition with the probate court to either admit the will to probate or, if there is no will, to appoint an administrator of the estate. Heirs, beneficiaries, and creditors will be notified of the beginning of the proceeding. Next, there will be an inventory of all the decedent’s real property, investments, business interests, and any other assets. An independent appraiser may be brought in to appraise non-cash assets. Any creditor who wishes to make a claim on assets will have a timeframe in which to do so. After all the assets are inventoried, any estate and funeral expenses, debts, and taxes will be paid from the estate. In some cases, non-cash assets may be sold to satisfy the decedent’s financial obligations. Finally, the remaining assets will be transferred according to the will, or if there is no will, then under Illinois’s intestacy succession laws.
How to Avoid Probate
Though it may sound intimidating, the truth is that probate administration is a fairly routine process that is streamlined and inexpensive. Even so, some wish to avoid probate altogether. This can help to protect the privacy of the deceased, reduce legal fees, and possibly avoid the estate tax, which can take a considerable chunk from a very wealthy estate. Creating a revocable living trust is the most popular way to avoid probate. Assets are placed in the trust but are available to the trust creator during their lifetime. At the time of their death, all assets in the trust are passed to the trust beneficiaries.
Contact Our Office Today!
There’s a lot of confusion and misinformation surrounding wills, trusts, and probate administration. At Levo-Donohoo LLC, we help you wade through the jargon and weigh your options, ensuring that your assets are distributed according to your wishes and that the process goes as smoothly as possible. | finance |
https://yanginusa.wordpress.com/2011/04/05/interpublic-discloses-stake-in-facebook/ | 2018-06-24T12:59:59 | s3://commoncrawl/crawl-data/CC-MAIN-2018-26/segments/1529267866937.79/warc/CC-MAIN-20180624121927-20180624141927-00236.warc.gz | 0.972186 | 563 | CC-MAIN-2018-26 | webtext-fineweb__CC-MAIN-2018-26__0__82924296 | en | Interpublic discloses stake in Facebook
By David Gelles in New York
Published: April 3 2011 23:16 | Last updated: April 3 2011 23:16
Interpublic, the advertising group, has emerged as an unlikely beneficiary of the surging value of Facebook.
The company owns a stake in the social network that is today valued at somewhere between $200m and $300m, depending on Facebook’s valuation and the actual size of the stake.
The exact figures have not been disclosed, but people close to Interpublic say it owns slightly less than a half per cent of Facebook, and paid less than $5m for it in 2006.Interpublic, which owns McCann Erickson and other agencies and is led by chief executive Michael Roth, secured shares in what was then an emerging site mostly popular with university students.
Investments by an advertising group in a social network are rare, but Interpublic won the privilege by committing to spend $10m for its clients on Facebook, an early win for a social network seeking to bolster its image with advertisers.
The position in Facebook is not that substantial compared with Interpublic’s overall revenues, which totalled $6.53bn last year. But the value of the stake is welcome for the group, which is recovering from a tough few years during the recession, and has become large enough for Interpublic for the first time to report it in a filing with the US Securities and Exchange Commission.
“From time to time, we make investments in privately held companies that we believe may be of interest to the advertising and marketing sectors,” the company wrote in its annual report for December.
“Certain of these investments, the most significant of which is Facebook, have significantly appreciated compared to their cost, but there can be no assurance as to the terms on which we would be able to dispose of any such investments.”
When Interpublic took its stake in Facebook, the social network was valued at between $1bn and $2bn. Just a year later, however, Microsoft invested $240m in Facebook at a $15bn valuation.
But as Facebook’s valuation soared last year, thanks to robust trading on the secondary market, Interpublic realised it was sitting on a substantial stake, and was compelled to disclose it to the SEC.
Based on a valuation of $50bn, an Interpublic stake of 0.4 per cent would be worth $200m. In recent weeks, however, Facebook has been valued at up to $85bn on the secondary market.
Copyright The Financial Times Limited 2011. You may share using our article tools. Please don’t cut articles from FT.com and redistribute by email or post to the web. | finance |
http://www.montgomeryschool.org/support-montgomery/ways-to-give/index.aspx | 2013-05-23T18:31:25 | s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368703682988/warc/CC-MAIN-20130516112802-00067-ip-10-60-113-184.ec2.internal.warc.gz | 0.949265 | 272 | CC-MAIN-2013-20 | webtext-fineweb__CC-MAIN-2013-20__0__113792530 | en | Gifts of cash are the simplest way of making a gift. Donors may also make a pledge when contacted by a volunteer or during one of our phonathons. They will receive a remittance envelope with their appeal and can use it to send a check to the School.
Credit Card Gifts
Donors may also use a credit card (Visa or Mastercard) to make a gift. They may fill out the remittance envelope with their gift amount, credit card number, expiration date, and the name on the card and return it to the school. They may use our Online Giving Form. They may also make a gift by telephone by calling the Development Office at 610-827-7222 with their credit card information.
Gifts of Appreciated Securities
Donating appreciated securities to Montgomery School (stocks, bonds and mutual fund shares held for at least one year and a day) is a tax-advantaged way to make a gift and can be done easily. To insure the proper crediting of stock gifts, donors should call the Development Office with the details of their gift and to obtain transfer instructions.
Corporate Matching Gifts
Many corporations have established programs whereby the company matches or multiplies donations made by active and sometimes retired employees. Any individual whose donation generates a matching gift will receive additional credit for that amount. | finance |
https://georgewimmer.org/2018/05/30/summer-isantian-article-2/ | 2023-11-29T12:16:06 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100081.47/warc/CC-MAIN-20231129105306-20231129135306-00545.warc.gz | 0.955664 | 964 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__297992598 | en | We have a great summer ahead of us. I want to announce a new program I created that partners with the six schools located in the City of Isanti, known as Painting Plow Blades. City staff will clean-up our City plow blades and drop one at each of the schools where teachers incorporate painting them into their Arts Program. We will display the plow blades at our Celebrate Isanti Day on August 11. I am excited to see what the students will create! Make sure you check the Community Event section on page 11 to see all the great activities that are available this summer. Please do not forget that Redbirds Baseball games, soccer games, and BMX races are all free to the public to attend.
We are hosting the 11th Annual Mayor’s Employer Celebration Day on June 19. On this day, we take time to celebrate all of our Employers and Employees in the City and their great contributions. We have increased total net employment in the City from 1,377 in 2009 to 1,928 in 2017; while increasing total net businesses from 123 to 182.
We have experienced significant growth in our City the past couple of years. This has raised questions regarding what will happen when growth slows down again. This is an excellent question, considering the boom of the early 2000s and the recession that followed. The City at that time made several unfortunate decisions that caused significant economic pain when the recession hit. The City had taken on a significant amount of debt and did not charge adequate developer fees to cover costs. This lead to total net debt ballooning to $9.1 million. This was a crushing amount of debt for a City our size. Another financial planning decision made was to base their decision on 130 new homes being constructed each year for 10 years. This inflated number lead to irresponsible decision making including large increases in spending and staffing. Another legacy cost was the inadequate, and in some cases, no capital replacement budgets to repair/replace City infrastructure. When the recession hit with the collapse of the housing market Isanti suffered the consequences.
When I was first elected Mayor, cuts were made to address the financial issues the City was facing. There were staff cuts as well as cuts in spending and difficult Union negotiations occurred to share more healthcare benefits cost so we could conserve cash and start paying down debt. I created our Development Impact List, Long Term Financial Plan, Long Term Infrastructure plan and 5 Year Cash Flow Analysis Tool. We are now basing our residential fiscal impact plans on 25 home starts per year. In the last four years, we have had 233 total home starts. This is equivalent to 9.3 years of financial benefit. This helps protect the City when construction slows down and allows us to keep moving Isanti forward. We were able to use these tools, and along with tough decisions, are able to make the following improvements:
Per Capita Income increased 77%
Median Household Income increased 54%
Median House Value is $35,550 higher than neighboring communities
Cut net debt from $9.1 million to $2.9 million, since being elected Mayor
Improved City Credit Rating from Baa1 (one step above Junk/Speculative rating) to
AA+ or High Quality
48% net increase in total number of businesses
Local jobs increased by 40%, since being elected Mayor
Received multiple Business Recruitment Awards from the Minnesota
Economic Development Association
Cut Sewer Base Fee 50%
Cut Water Base fee 25%
Cut SAC/WAC fees $2,500
Cut property tax rate 7% in 2018
Proposed City Property Tax cut of 10% for 2019
Isanti named 6th Safest City in Minnesota (out of 853 cities)
Added Patrol Officer and Police Investigator positions and Police Bike Patrol
Isanti School Resource Officer named #1 in the State
Improved Police equipment and technology
Won Drinking Water Quality Award
Won Blue Star Award for Protecting and Preserving Minnesota’s Water Resources
Fit City Designation
Green Step City
These improvements show that Isanti has overcome the obstacles of the past, and is now on a successful path moving forward. We truly are a “Community for Generations” and there is no better place to work, live or recreate than the City of Isanti.
If you have any questions, concerns or comments please contact me at 763-442-8749 or email me at [email protected] . You may also follow me and keep up to date on all things Isanti on Twitter at twitter.com/mayorwimmer Facebook at http://www.facebook.com/MayorGeorgeWimmer or my blog at georgewimmer.org. | finance |
https://luxuryloungecasino.com/small-value-stocks-may-be-too-good-to-be-true-but-some-do-exist.html | 2023-12-11T03:40:36 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679103464.86/warc/CC-MAIN-20231211013452-20231211043452-00079.warc.gz | 0.959348 | 678 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__155183083 | en | What are small value stocks?
Value stocks have different categories, and one of those is a small value stock. Other people refer to it as a small-cap value stock. These are shares with market capitalization and variation styles that intersect. If we are to name an example, we can include a stock that trades lower than its book value and a market capitalization lower than one billion dollars. It’s not an easy task to find a stock that has these two criteria. However, many people can’t deny that small value stocks have a reputation for bringing high yield returns.
The Fama and French’s three-factor model
Fama and French’s three-factor model states that small value stocks have two essential qualities. With all the things we have mentioned earlier, you may already know what they are: size and value. This model expands on the CAPM or capital asset pricing model through additional sizes and value factors to its market risk. It tells us that small-cap stocks will most likely outperform the markets. They will be over and above large-cap stocks regularly. But why? Generally, small stocks have massive chances for growth. They do not always get the attention of analysts. Hence, they do not get enough coverages. They are quick to develop and benefit from new technologies.
Small value stocks are not growth stocks.
Even though we are mentioning all of these, we do not consider them as growth stocks. So, this is more like an advantage for them if we are looking from a fundamental perspective, unlike growth stocks. Growth stocks may look promising, but in reality, they may not be profitable or have solid balance sheets. Growth stocks somehow have high valuations beforehand that come with positive expectations.
What sets small value stocks apart from small-cap growth stocks?
Small-cap stocks are constantly being confused with growth stocks and vice versa. However, these two are considerably different. Investors who have small-cap growth stock investments have chances to beat those involved with institutional ones. But why? Mutual funds come with restrictions. Hence, institutional investors can only buy limited portions of the company’s outstanding shares. On the other hand, small-cap stocks have a more petite float against large-cap stocks. For your information, float refers to shares that are available for trading. Mutual funds find it hard to buy a share percentage that goes beyond the restrictions. They can never inflate the share price. These are some reasons why many investors prefer small-cap value funds. They can directly buy fund shares that the manager already selected beforehand instead of selecting securities by themselves.
What have we learned so far about small-value stocks?
Fama and French’s three-factor model tells us that small value stocks have two essential qualities. These are small-cap size and their value. Small-cap stocks refer to companies with less than two billion market capitalization and trading at lower prices compared to the given valuation model. The valuation model details and the definition used are some factors that affect small value stocks. They are pretty rare and unusual in the investment world. It is almost impossible for analysts to miss out on great stocks or companies. Undervalued stocks with smaller market caps tend to have promising growth opportunities. However, they also come with risks of failure in the long run. | finance |
https://sattanewss.com/pet-insurance-caring-for-your-furry-family-members-health-and-well-being/ | 2024-04-15T08:11:36 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816954.20/warc/CC-MAIN-20240415080257-20240415110257-00427.warc.gz | 0.916572 | 1,142 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__108888142 | en | For many of us, pets are more than just animals; they’re beloved members of our families. We want the best for our furry friends, and that includes ensuring they receive top-notch healthcare when they need it. Pet insurance is a valuable tool that provides peace of mind, knowing that you can provide the best medical care for your pets without breaking the bank. In this comprehensive guide, we’ll explore the world of pet insurance, why it’s essential, how it works, and how to choose the right coverage for your four-legged family members.
The Importance of Pet Insurance
- Healthcare Costs: Just like humans, pets can experience accidents, illnesses, and chronic conditions that require medical attention. Veterinary care can be expensive, and pet insurance helps offset these costs, making it more affordable to provide essential healthcare.
- Quality Care: Having pet insurance ensures that you won’t have to make difficult decisions about your pet’s health based on financial constraints. You can choose the best treatment options recommended by your veterinarian without hesitation.
- Unpredictable Emergencies: Accidents and emergencies can happen at any time. Pet insurance prepares you for unexpected medical expenses, allowing you to act quickly to get your pet the care they need.
How Pet Insurance Works
Pet insurance operates on a reimbursement model, similar to health insurance for humans. Here’s how it typically works:
- Choose a Plan: Select a pet insurance plan that suits your budget and the specific needs of your pet. Plans can vary in coverage, deductibles, and monthly premiums.
- Visit Any Vet: Unlike some human health insurance plans that restrict you to a network of providers, pet insurance generally allows you to visit any licensed veterinarian or specialist.
- Pay the Bill: When your pet needs medical attention, you’ll pay the veterinarian directly at the time of service. Keep copies of your invoices and receipts.
- Submit a Claim: After the visit, you’ll submit a claim to your pet insurance provider. This can often be done online, and you’ll need to provide details about the treatment and associated costs.
- Reimbursement: Once your claim is processed and approved, the insurance company will reimburse you for the eligible expenses, usually a percentage of the total bill. Reimbursement rates can vary depending on your chosen plan.
Choosing the Right Coverage
Selecting the right pet insurance coverage is crucial to ensuring that your furry family members receive the care they need. Here are some key factors to consider:
- Type of Coverage: Pet insurance plans typically offer three types of coverage:
- Accident Coverage: Covers injuries resulting from accidents.
- Illness Coverage: Covers treatment for illnesses and diseases.
- Wellness/Preventive Coverage: Covers routine care such as vaccinations and annual check-ups.
- Deductible: The deductible is the amount you’ll need to pay out of pocket before your insurance coverage kicks in. Higher deductibles often result in lower monthly premiums, while lower deductibles mean higher premiums.
- Reimbursement Percentage: Different plans offer varying reimbursement percentages, typically ranging from 70% to 90%. Consider how much of the costs you want the insurance to cover.
- Coverage Limits: Some policies have annual or lifetime limits on coverage. Be sure to understand these limits, especially if you have a breed that is prone to certain health conditions.
- Exclusions: Familiarize yourself with any exclusions in the policy. Certain conditions or treatments may not be covered, so it’s essential to know what to expect.
- Age and Breed: Some pet insurance providers have age restrictions, and coverage may be more expensive for older pets. Additionally, certain breeds may have pre-existing conditions that affect coverage and costs.
- Waiting Period: Most pet insurance policies have a waiting period before coverage begins. Make sure you understand when your coverage starts after purchasing a policy.
Common Questions About Pet Insurance
- When Should I Get Pet Insurance?: It’s best to get pet insurance when your pet is young and healthy. Insuring your pet early can help avoid issues with pre-existing conditions and keep premiums lower.
- Can I Use Any Veterinarian?: Most pet insurance plans allow you to visit any licensed veterinarian or specialist. This flexibility ensures you can choose the best care for your pet.
- What Isn’t Covered by Pet Insurance?: Pre-existing conditions, cosmetic procedures, and some elective treatments are typically not covered. Be sure to review your policy’s exclusions carefully.
- Do Premiums Increase as My Pet Ages?: Yes, premiums often increase as your pet gets older. Additionally, certain breeds may have higher premiums due to breed-specific health risks.
- Is Pet Insurance Worth It?: The value of pet insurance depends on your pet’s health and your willingness and ability to cover unexpected veterinary expenses. It can be a financial lifesaver in emergencies.
Pet insurance is an invaluable tool that allows you to provide the best possible healthcare for your furry family members. It offers peace of mind, knowing that you can afford essential medical treatments and preventive care. When considering pet insurance, carefully review the coverage options, deductibles, and exclusions to choose the plan that aligns with your pet’s needs and your budget. Remember that pet insurance is an investment in your pet’s health and well-being, ensuring they receive the love and care they deserve throughout their lives. | finance |
http://safcomservices.co.uk/about/140-2/ | 2021-07-28T09:47:58 | s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046153709.26/warc/CC-MAIN-20210728092200-20210728122200-00396.warc.gz | 0.970334 | 573 | CC-MAIN-2021-31 | webtext-fineweb__CC-MAIN-2021-31__0__294682511 | en | Why does a business need to submit a tax return?
Whatever type of business you have, be it a sole trader, partnership or limited company, a tax return must be completed to declare your income to HMRC and let them know how much tax is due.
Unfortunately, not submitting your tax return on time can result in considerable penalties and interest being accrued by HMRC. This is why it’s so important to put arrangements in place early on to ensure everything is completed on time.
Another huge benefit to being organised with your tax affairs is that you will know how much tax is due in advance with a good amount of time to pay your balance to HMRC.
Completing your Tax Returns
Tax can be a very complex subject so, unless your tax affairs are very straight forward, it is almost always better to seek advice from a professional than attempt to complete your own tax return.
Some of the benefits of using safcom services to handle your tax affairs are:
- Peace of mind. By using professionals you know that your tax calculations will be correct and accurate.
- Investigations. You are less likely to be investigated by HMRC if you use an advisor, as HMRC have ways of knowing if figures submitted on a return are likely to be incorrect. This is a common trigger for a tax investigation.
- Save time. In most cases it will take you a lot longer to complete your own tax return than it would for an advisor. This time could be better spent running your business!
What is the process?
When asking us to complete your tax return we are not just form filling for you, there is a great deal more to it than that. We start by ensuring that your accounts are complete and correct, as the information contained within your accounts is used to form the basis of the tax calculation.
Once we are happy that the accounts are correct, we will take a holistic view of your tax situation (that is, we won’t just look at your business income) and make recommendations that we think could decrease the amount of tax you will have to pay to HMRC. You will then be sent a copy of the tax return/tax calculation to have a look over before any submissions are made.
Once everyone is happy, we will submit your return to HMRC. We can also help you with the payment of your tax as well, as there are many different methods and deadlines when making payments.
This comprehensive service ensures that the correct and minimum amount of tax is being paid and will mean that, should HMRC ever decide to look into your tax affairs, you have nothing to worry about!
How much does all this cost?
To see exactly what we include and to get an instant personalised quotation please use the link below. You won’t be disappointed! | finance |
https://quora.digiforum.space/what-is-ipo/ | 2023-09-22T00:54:43 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506320.28/warc/CC-MAIN-20230922002008-20230922032008-00558.warc.gz | 0.967392 | 295 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__88778929 | en | IPO stands for Initial Public Offering, which is the first time that a company’s shares are offered to the public for purchase on a stock exchange. In an IPO, a company sells a portion of its ownership to the public in the form of shares, and in exchange, it raises capital to fund its growth initiatives or to pay down debt.
The process of going public and conducting an IPO typically involves a number of steps, including preparing financial statements and prospectuses, selecting investment bankers to underwrite the offering, and marketing the offering to potential investors. After the IPO is launched, the company’s shares are listed on a stock exchange, and investors can buy and sell the shares on the open market.
The benefits of an IPO for a company include increased access to capital, greater visibility and credibility in the market, and the ability to use its shares as currency for mergers and acquisitions. However, the process of going public can also be expensive and time-consuming, and it can expose the company to greater regulatory scrutiny and shareholder pressure.
For investors, an IPO can be an opportunity to participate in the growth potential of a new company and potentially realize a return on investment through capital appreciation or dividends. However, investing in an IPO can also be risky, as the company may be unproven or subject to a high degree of uncertainty. As with any investment, it is important to conduct thorough research and exercise caution when investing in an IPO. | finance |
https://brakestogo.com/affordable-financing/ | 2019-07-18T13:44:06 | s3://commoncrawl/crawl-data/CC-MAIN-2019-30/segments/1563195525634.13/warc/CC-MAIN-20190718125048-20190718151048-00522.warc.gz | 0.916654 | 581 | CC-MAIN-2019-30 | webtext-fineweb__CC-MAIN-2019-30__0__102946269 | en | Paying for brake repair in Austin and San Antonio is now more affordable than ever! Brakes To Go is proud to offer three financing options: Snap Finance, Square Installments & Synchrony Car Care. With three unique financing options, you have the flexibility to pay for Brake Services your way.
Scroll down or click an option below to learn more!
Snap Finance is an independent loan service who understands that big purchases, like brake repair, may not come at an opportune time. Snap Finance helps you pick a payment solution that fits your financial needs, without leaving a mark on your credit score. Approving over 80% of applicants, regardless of credit or bankruptcy history, Snap Finance can offer you up to $3,000 to use towards your brake repair! The Snap Finance application process is simple:
Complete the easy, 3-step online
application – no paperwork needed.
Once you’ve been approved, you will be contacted by a Snap Finance merchant, who will discuss your loan options and the financing amount you have been approved for.
Use your approved amount to pay
for your next brake repair!
Square Installments is a payment option that allows you to pay for your brake repair in monthly installments. Payment plans can be used for purchases ranging from $250 to $10,000, and you can choose to pay over three, six, and 12 months. Annual percentage rates will vary from 0 to 24 percent APR based on what you choose and your credit history. The Square Installments application process is simple:
Apply online by answering a few simple questions to see if you’re eligible.
Choose a plan that’s right for you. What you see is what you pay. No hidden surprises.
If approved, you’ll instantly get a digital card to pay for your brake repair purchase.
Synchrony Financial makes paying for brake service easier with their Car Care One Credit Card. Partnered with thousands of retailers across the United States, Synchrony lets you consolidate all your brake repair and maintenance expenses into one monthly payment.With Synchrony Car Care One Credit Card, you can:
Get a credit decision
Pay no interest on your brake repair purchases if paid in full within 6 months on purchases of $199 or more.
Use it at over 25,000 gas stations and auto service centers nationwide
One of our Brakes To Go ASE Certified technicians will come to your vehicle, wherever it is located, with all necessary parts and equipment. After diagnosing your car’s problems, we will explain your service options, and then replace only those components you authorize. The price you’re quoted includes all parts and labor; there are no hidden fees at Brakes To Go. All brake parts that we use are the highest quality sold by our supplier and specified for your vehicle. | finance |
https://www.newjerseytrucktax.info/hvut | 2024-04-14T22:56:27 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816904.18/warc/CC-MAIN-20240414223349-20240415013349-00293.warc.gz | 0.952203 | 598 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__125386370 | en | The owners of vehicles with registered gross weight equal to or exceeding 55,000 pounds need to pay a tax called Heavy Vehicle Use Tax (HVUT) for using public highways. The HVUT would be proportionate to the gross weight of the vehicle and the load carried. The gross weight of the vehicle would be the addition of the weight of the motor vehicle & the trailers when empty. The load carried would be the maximum of the load carried through the vehicle and the trailers.
If you are owning a heavy vehicle with gross weight equal to or exceeding 55,000 pounds, you need to report HVUT through IRS Form 2290 and Schedule 1. The reporting would be for the tax period: July 1 of the existing year to June 30 of the following year after the first use of your vehicle under State, District of Columbia, Canadian or Mexican Law.
Get ready with your Trucking Company Details, Vehicle Details, Bank Account Details, etc.
The deadline to file Form 2290 is August 31st. That is, two months after the tax period between July 1 of the previous year and June 30th of the current year ends. If you are yet to report a vehicle you are using, start doing it from the month following the month of first use. For example, if your new vehicle is registered in January for first use, start reporting HVUT from February. You need to cover months up to the due date, that is, August 31st.
There are two methods to file form 2290: Electronic and Paper.
File your Form 2290 electronically along with the HVUT payment through any intermediate service providers of the IRS e-file program for excise taxes, such as ExpressTruckTax.com, or through any electronic return originator (ERO), transmitter etc. Visit www.irs.gov/trucker to get the list of the IRS e-file providers.
The e-file provider authorized by IRS, ExpressTruckTax, supports Form 2290, Form 8849 and Form 2290 Amendments. To learn more click here
To report HVUT through the paper, file Form 2290 with Voucher Form 2290-V to fill the details of check/ money order through which the tax is paid.
You need to mail your Form 2290 with Voucher Form 2290-V to:
Form 2290 with full payment:Internal Revenue Service,
Form 2290 without payment due or using EFTPS for payment:Department of the Treasury,
On paying and reporting HVUT for your vehicle after August 31st, you would face a penalty for every month up to 5 months of 4.5% of the total tax due. For being late in both paying and filing your return, you have to pay an additional monthly penalty of 0.5% of the total tax due along with an extra interest charge of 0.54% per month for the tax due. | finance |
https://ashokaindiaequity.com/team_mf/rishi-maheshwari/ | 2022-01-17T00:35:42 | s3://commoncrawl/crawl-data/CC-MAIN-2022-05/segments/1642320300253.51/warc/CC-MAIN-20220117000754-20220117030754-00101.warc.gz | 0.960934 | 151 | CC-MAIN-2022-05 | webtext-fineweb__CC-MAIN-2022-05__0__218274477 | en | Senior Investment Analyst
Rohit has over 16 years of total experience with over 14 years in the investment industry having covered the Indian Telecom, Consumers and IT services sectors as a sell-side analyst at Kotak Institutional Equities. Rohit was consistently ranked amongst the top analysts in both his lead coverage sectors in polls conducted by Institutional Investor and Asia Money. Prior to his sell-side stint, Rohit spent a couple of years working with Ameriprise Financial as a financial analyst on areas like competitive intelligence and cost reengineering.
Rohit holds a Post Graduate Diploma in Management from IIM Calcutta and a B.E. (Honours) degree from BITS, Pilani. | finance |
https://thecareline.org.uk/stories/latest-blogs/news/study-finds-churchgoers-spend-less-money | 2022-06-27T23:34:50 | s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103344783.24/warc/CC-MAIN-20220627225823-20220628015823-00579.warc.gz | 0.981989 | 257 | CC-MAIN-2022-27 | webtext-fineweb__CC-MAIN-2022-27__0__237131266 | en | Study finds churchgoers spend less money
New research has suggested that churchgoers are more frugal than other shoppers.
American psychologists from universities in Massachusetts and Pennsylvania found that Christians count their pennies when it comes to grocery shopping and also make fewer impulse purchases.
The researchers said the findings support the notion "that many religions emphasise the value of being prudent with money."
John Morris from Christian financial advisors firm the Harvest Partnership told Premier's News Hour being frugal can be helpful.
"Financial prudence is something we can all learn from and all benefit from, because in the end the household budget is what it is," he said.
"We have to be very wise in our spending and determine what we should spend our money on.
The resources that the Lord has given us are for us to have control over and use according to his will and also to meet the needs of our family."
However, he said it's possible to go overboard with being too penny-wise.
Morris added: "Some people who are wealthy are tight. They don't give very much away and they're very, very careful with their expenditure and I don't think that's automatically good. "
The study surveyed 2,400 shoppers in ten states. | finance |
https://www.montanahima.net/professional-coding-auditor-consultant/ | 2022-06-29T22:37:39 | s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103645173.39/warc/CC-MAIN-20220629211420-20220630001420-00674.warc.gz | 0.911453 | 600 | CC-MAIN-2022-27 | webtext-fineweb__CC-MAIN-2022-27__0__215675140 | en | Professional Coding Auditor/Consultant
PYA is seeking a Professional Coding Auditor/Consultant to join its high-performing and privately-owned firm with a dynamic culture and a strong national reputation. This individual will be a part of PYA’s Compliance Advisory Services.
Responsible for the accurate coding auditing of physician and non-physician practitioner documentation using current coding guidelines, with attention to Medicare, medical necessity, NCD, and LCD requirements. Professional coding auditing expertise in multiple specialties is required, and expertise in facility inpatient and outpatient coding methodologies is preferred.
The Consultant will assist PYA clients with provider documentation improvement, reviews for billing and other regulatory compliance with third-party payers, revenue cycle management, as well as reimbursement methodology advisory support.
- Current credential of CPC/CCS-P or related professional credential required
- Strong understanding of and experience in auditing for compliance with 1995, 1997, and 2021 E/M Guidelines required
- Additional credentials such as RHIT, CCS, FACHE, CMPE, or CPMA, desirable
- Physician financial reimbursement and revenue cycle understanding is preferred
- Knowledge related to post-acute coding and billing (SNF, Home Health, Palliative Care, Behavioral Health) is a plus
- Experience presenting to physicians and other healthcare providers preferred
- Professional services firm experience desired
- Ability to work in a fast-paced, high-volume coding audit (5-7 encounters per hour average expected) environment with a team, which expects high-quality deliverables and accuracy to clients
- Superior communication skills, both oral and written
- Excellent project management skills
- Traits that include: detail-oriented, flexible, and responsive
- Openness to feedback
Serving clients in all 50 states from offices in Atlanta, Helena, Kansas City, Knoxville, Nashville, and Tampa, PYA is consistently ranked by Modern Healthcare as one of the Top 20 healthcare consulting firms in the U.S. and by INSIDE Public Accounting as one of the nation’s “Top 100” Largest Accounting Firms. PYA also was named one of America’s Best Tax and Accounting Firms of 2022 in the Forbes annual list, and Accounting Today highlighted PYA as “One of the Most Successful Firms in the Country.”
This success is the result of almost four decades of steadfast adherence to a culture of integrity, responsiveness, and relationships – both with clients and teammates.
Learn more at pyapc.com.
Instructions for Resume Submission:
Call Catie Scott, Director of Talent Acquisition, at 404-799-4231 or email resume to [email protected]. | finance |
https://www.abule.io/articles/payment | 2022-07-02T13:37:52 | s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656104141372.60/warc/CC-MAIN-20220702131941-20220702161941-00597.warc.gz | 0.933152 | 510 | CC-MAIN-2022-27 | webtext-fineweb__CC-MAIN-2022-27__0__79889128 | en | They’re much more than just tokens of appreciation. They’re tokens that keep the community going.
It’s no secret: caregivers aren’t paid enough for their work. The bulk of caregiving tasks fall into the hands of women, many of whom are mothers and must balance careers on top of their own caregiving responsibilities.
But why is such a critical component to collective wellbeing historically overlooked and underpaid? Where would we be without the people who educate our children, nurse our elders and feed our communities?
Abulé is here to shift the narrative surrounding caregiving and compensation. We help caregivers amass wealth to make up for all the lost years at work. We do so through the trading of$CARE tokens.
So, what is a $CARE token, anyway? In this article, we’ll give you a full breakdown of what they are and how they work, including:
$CARE tokens are tokens that are used to trade or pay for services on the Abulé platform. Earned tokens may be used within the platform or cashed out as extra income. Think of them as the currency exclusively built for the Abulé community. One $CARE token equates to $5. $CARE tokens can be bought using standard dollar currency or with cryptocurrency. If you’re curious about how to connect your cryptocurrency wallet to the Abulé platform, you can check out this article here.
$CARE tokens help buyers and sellers trade value within the ecosystem. They can be used in a variety of ways. For starters, you can use your $CARE tokens to pay for caregiving services. You can send caregivers $CARE tokens from directly inside the Abulé platform. Tokens can also be used to pay for community activities. If you like, you can also exchange $CARE tokens for cash.
Ultimately, Abulé community members are rewarded for helping others with $CARE tokens, enabling the under-economy of caregivers to amass wealth.
As the first care economy on blockchain, Abulé is committed to leveraging cutting-edge technologies that empower strong, independent communities. Together, we’re building the future of decentralized care – and we want you to join us. To learn more about how cryptocurrency and the blockchain will play a future role in the village, check out this article.
Still have questions? Get in touch with us! Our team is happy to help. | finance |
http://theeliotchurch.org/give-to-the-eliot-church-82.html | 2013-12-13T20:36:06 | s3://commoncrawl/crawl-data/CC-MAIN-2013-48/segments/1386164989714/warc/CC-MAIN-20131204134949-00096-ip-10-33-133-15.ec2.internal.warc.gz | 0.936319 | 443 | CC-MAIN-2013-48 | webtext-fineweb__CC-MAIN-2013-48__0__184791285 | en | Giving to the Eliot Church
The Eliot Church conducts an annual pledge drive to support the church mission and operating budget.
There are two main ways that you can donate to the Eliot Church...
1. Make a pledge to the church by contacting the Assistant Treasurer at [email protected]. You can then fill this pledge either by...
- Completing a form to automatically pay by credit card, debit card or electronic funds transfer from your checking account. The Assistant Treasurer will provide this form.
- Paying by check (on a one-time or ongoing basis)
- Paying by cash (you will be given envelopes to deposit in the Sunday collection).
2. Transfer securities to the church. In many cases, gifting of appreciated securities may offer favorable tax treatment. Please contact the Treasurer of the church for details and a sample letter: [email protected]
The church will track your contributions and will provide documentation for tax purposes. All donations are fully tax deductible.
Thank you for your support - every donation makes a difference to our Church!
Eliot Church Endowment Fund
The Eliot Church Endowment Fund exists as an entity separate from the Church (managed by a Committee elected at the Church Annual Meeting). The purpose of the Endowment Fund is to assure the long term success of the Church.
Surpluses in the Church operating budget may be directed to the Fund. More commonly, income/appreciation from the Fund is distributed to the church to be used as part of the operating budget. The principal of the Fund, however, will always be preserved and used only for emergencies or special purposes that will contribute to the growth and sustenance of the church (for example, real estate purchases).
Members and friends of the Church are strongly encouraged to consider a planned gift such as providing for the Fund in your will or naming the Fund as a life insurance beneficiary. The continued existence of the Eliot Church can be part of your legacy.
Of course, the Fund also accepts current donations: this is an excellent use of appreciated stock.
Please contact Ben Bailey, Chairman of the Endowment Committee for information. | finance |
http://www.tedxteen.com/speakers/rachel-fox | 2019-10-19T15:55:15 | s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570986696339.42/warc/CC-MAIN-20191019141654-20191019165154-00403.warc.gz | 0.989103 | 324 | CC-MAIN-2019-43 | webtext-fineweb__CC-MAIN-2019-43__0__53224622 | en | Rachel has been working as an entertainer since she was 5-years-old. She has grown up performing and entertaining via music and film, and will continue to do so for the rest of her life. Rachel and her band, No Babies No Bullets have played at different music festivals and venues through the West Coast, including Sundance Film Festival 2015, NAMM, The Viper Room and others. She has also worked on films and television shows with Daniel Craig, Naomi Watts, Patricia Arquette, Daryl Hannah, Michael Chiklis and many more.
She became involved with investing and trading at 15. Before trading, she was looking for ways to grow her savings and become financially independent at a young age. Her parents were very financially aware and infused that into her life early on. At 15, Rachel began researching how to invest and trade on the Internet. She opened her first joint online trading account with her parents, started with stocks, and 3.5 years later, she is currently trading stocks, futures and options successfully.
Since Rachel was home-schooled for high school and finished early, she began blogging about finance and investing to continue while in-between working on sets and playing music. Her blog is read by people both young and old who want basic answers to their finance questions and want to start investing. Rachel was on CNBC, YahooFinance and Fox Business to discuss Fox on Stocks and trading as well as named one of Time Magazine's 25 Top Most Influential Teens of 2014.
When she's not trading, she loves to travel, run and play music. | finance |
http://www.financialinclusionnetwork.com.au/what-we-do/ | 2024-04-19T15:26:21 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817438.43/warc/CC-MAIN-20240419141145-20240419171145-00095.warc.gz | 0.910855 | 230 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__5495282 | en | What we do
NSW Financial Inclusion Network
The NSW Financial Inclusion Network is a policy think tank concerned with financial inclusion.
We aim to influence policy discussions to create a more financially inclusive future for New South Wales.
The network is a state-wide focused coalition, bringing together deeply invested key stakeholders across several sectors to collaborate on financial exclusion issues, identify potential solutions and persuade state policy makers to act on the issue of financial exclusion.
The network’s members are based all over the state and is facilitated by leading partner Northern Rivers Community Gateway.
Financial inclusion coordination
Northern Rivers Community Gateway is funded to implement the New South Wales Financial Inclusion Program. This program promotes and supports financial inclusion services throughout the state by:
- Developing and exploring financial inclusion strategies, resources and products that:
- can be delivered or accessed by funded NGO’s and
- support NGO’s to undertake effective financial conversations with a view to improving client financial behaviour.
- Providing strategic advice to NSW Fair Trading on financial inclusion.
- Link funded services and microfinance services to financial inclusion strategies and products. | finance |
http://websitepromoters.com/blockchain/ | 2024-03-03T23:00:03 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476399.55/warc/CC-MAIN-20240303210414-20240304000414-00714.warc.gz | 0.919428 | 1,361 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__210818350 | en | Blockchain technology has emerged as a powerful tool that has the potential to revolutionize various industries and transform the way we conduct transactions and share information. While often associated with cryptocurrencies like Bitcoin, blockchain has a much broader range of applications that extend beyond the financial sector. In this comprehensive guide, we will explore the fundamentals of blockchain, how it works, and its diverse use cases across different industries.
I. Understanding Blockchain Technology
1.1 What is a Blockchain?
At its core, a blockchain is a decentralized and tamper-proof database that records transactions and information in a transparent and secure manner. Unlike traditional databases that rely on a central authority, blockchain operates on a distributed ledger, where each transaction is recorded and verified by multiple participants in a network. This decentralization ensures that no single entity has control over the entire system, enhancing security and eliminating the risk of manipulation or fraud.
1.2 The Concept of Trust and Consensus
One of the key features of blockchain is the concept of trust and consensus. In a blockchain network, transactions are validated and agreed upon by the entire community, rather than a centralized authority. This consensus mechanism ensures that all participants in the network have a shared view of the transaction history, creating mutual trust without the need for intermediaries.
1.3 How Does Blockchain Work?
Blockchain operates through a series of interconnected blocks, with each block containing a set of transactions. These blocks are linked together using cryptographic hashes, creating an immutable chain of information. To add a new block to the chain, it must undergo a verification process by network participants known as miners. Miners use computational power to solve complex mathematical problems, ensuring the validity and integrity of transactions before they are added to the blockchain.
1.4 Types of Blockchains
There are several types of blockchains, including public, private, hybrid, and consortium blockchains. Public blockchains, like Bitcoin, are open to anyone and allow for anonymous participation. Private blockchains, on the other hand, restrict access to a select group of participants and are often used by enterprises for internal purposes. Hybrid blockchains combine elements of both public and private blockchains, while consortium blockchains are governed by a group of organizations working together.
II. Blockchain Applications
2.1 Cryptocurrencies and Digital Assets
Cryptocurrencies, such as Bitcoin, were the first and most well-known applications of blockchain technology. They enable secure and decentralized digital transactions, allowing individuals to transfer value without the need for intermediaries like banks. In addition to cryptocurrencies, blockchain also enables the creation and management of various digital assets, including tokens and non-fungible tokens (NFTs).
2.2 Supply Chain Management
Blockchain has the potential to revolutionize supply chain management by improving transparency, traceability, and accountability. By recording every step of a product’s journey on the blockchain, companies can ensure the authenticity and quality of their goods, prevent counterfeiting, and streamline logistics processes. Blockchain also enhances trust between suppliers, manufacturers, and consumers, as everyone has access to the same verified information.
2.3 Healthcare and Medical Records
The healthcare industry can greatly benefit from blockchain technology in terms of secure storage and sharing of medical records. By utilizing blockchain, patients can have greater control over their health data, granting access to healthcare providers only when necessary. This improves the efficiency and accuracy of healthcare delivery, reduces administrative burdens, and enhances patient privacy and data security.
2.4 Smart Contracts and Decentralized Applications
Smart contracts are self-executing contracts encoded on the blockchain that automatically execute predefined actions when specific conditions are met. These contracts eliminate the need for intermediaries and enable trustless transactions. Blockchain platforms like Ethereum have opened up new possibilities for decentralized applications (dApps) that can revolutionize industries such as finance, insurance, and supply chain management.
2.5 Identity Management and Authentication
Blockchain technology offers a secure and decentralized solution for identity management and authentication. By storing identity information on the blockchain, individuals can have portable and verifiable digital identities, eliminating the need for multiple identification documents. This enhances privacy, reduces the risk of identity theft, and simplifies the process of identity verification.
2.6 Voting Systems
Blockchain can address the challenges of traditional voting systems by providing secure and transparent platforms for elections. By leveraging the immutability and transparency of the blockchain, voting systems can prevent fraud, ensure the integrity of the electoral process, and enable remote and anonymous voting. This technology has the potential to increase voter participation and enhance trust in democratic processes.
2.7 Finance and Banking
The financial industry has been exploring the use of blockchain technology for various applications, including cross-border payments, trade finance, and asset tokenization. Blockchain enables faster and more secure transactions, reduces costs associated with intermediaries, and enhances transparency and auditability. Major financial institutions are actively investing in blockchain-based solutions to streamline their operations and improve customer experiences.
2.8 Media and Entertainment
Blockchain has the potential to transform the media and entertainment industry by providing solutions for content ownership, distribution, and monetization. Through blockchain-based platforms, creators can protect their intellectual property rights, receive fair compensation for their work, and interact directly with their audience. Non-fungible tokens (NFTs) have gained popularity as a way to tokenize and trade digital assets, including art, music, and virtual real estate.
III. Advantages and Challenges of Blockchain
3.1 Advantages of Blockchain Technology
Blockchain technology offers several advantages, including enhanced security, transparency, efficiency, and cost-effectiveness. By eliminating the need for intermediaries, blockchain reduces transaction costs and enables peer-to-peer interactions. The decentralized nature of blockchain also makes it resistant to single points of failure and censorship, ensuring the integrity and availability of data.
3.2 Challenges and Considerations
While blockchain has immense potential, it also faces certain challenges and considerations. These include scalability issues, regulatory concerns, energy consumption, and interoperability with existing systems. Blockchain technology is still evolving, and its widespread adoption requires addressing these challenges and ensuring interoperability between different blockchain networks.
Blockchain technology has the potential to revolutionize industries and transform the way we conduct transactions, share information, and establish trust. From cryptocurrencies and smart contracts to supply chain management and healthcare, blockchain offers a wide range of applications that can enhance security, transparency, and efficiency. As blockchain continues to evolve and overcome challenges, its impact on various sectors will only continue to grow, paving the way for a decentralized and trustless future.
To view more of our blog posts, view our website’s blog section. | finance |
https://www.nittosongbad.com/job-circular-2021/job/ | 2021-05-09T14:18:11 | s3://commoncrawl/crawl-data/CC-MAIN-2021-21/segments/1620243988986.98/warc/CC-MAIN-20210509122756-20210509152756-00415.warc.gz | 0.933811 | 281 | CC-MAIN-2021-21 | webtext-fineweb__CC-MAIN-2021-21__0__195322932 | en | Islami Bank will take probationary officer, Salary 55500: Job Circular 2021
Private sector bank Islami Bank Bangladesh Limited has issued a notification for recruitment of manpower. The notification has been issued for the appointment of probationary officer. However, the details of how many will be recruited were not disclosed in the notification. Anyone can join the post of probationary officer subject to fulfillment of qualifications as per the notification. Online application has started from today. Applications can be submitted till March 30.
Eligibility of application
To apply for the post of Probationary Officer, the candidate should have Masters, MBA, MBM or equivalent qualification with Honors for a period of four years. The age of the applicant should be minimum 22 years and maximum 30 years.
The probation period for this post is one year. At this time, the candidate will get a salary of 48 thousand rupees per month. Successfully, after 1 year of probation, the recruits will get a salary of 55,500 rupees. In this case the basic of the candidate will be 24240 rupees.
Rules of application
Interested candidates can fill the application form from the website (http://career.islamibankbd.com/career.php).
There are details in the application. Interested candidates can submit the completed application form till March 30.
Job Circular 2021 | finance |
http://thefiverproject.uk/the-fiver-objective | 2018-07-23T05:36:29 | s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676594954.59/warc/CC-MAIN-20180723051723-20180723071723-00620.warc.gz | 0.927797 | 113 | CC-MAIN-2018-30 | webtext-fineweb__CC-MAIN-2018-30__0__99279944 | en | The Long Term Objective:
To be able to accrue at least a month’s salary in hand – enabling me to get to a position to be spending at least 30 day old money rather than living payday to payday. This is a big objective which will take a long time to achieve, certainly more than the 365 day initial project. I intend to rollover the amount annually until I have at least £1200 in my current account before my salary lands each month.
Paying down debt.
Learning to manage my income and live within my means. | finance |
https://www.birminghamfa.com/news/2021/may/05/affiliation-window-for-2021-22-now-open | 2024-04-15T02:54:28 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816939.51/warc/CC-MAIN-20240415014252-20240415044252-00138.warc.gz | 0.963055 | 314 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__202860662 | en | We are delighted to announce that the affiliation window for the 2021/22 season is now OPEN!
As we recognise that clubs have been unable to benefit from last season's affiliation offer, we are pleased to say this season's affiliation will reflect much of the same. To help continue to ease the financial burden on clubs at this time, the County FA are pleased to announce that our club membership fees are FREE for the 2021/22 season.
Further to this, the County FA are financing the Public Liability Insurance for all clubs and there will also be NO £5 team fee for the season, meaning all teams can affiliate for FREE, in the hope that this helps your club financially and generates growth for next season.
Additionally, we have negotiated some really great rates with the County FA's insurance brokers Sportsguard for Personal Accident Insurance, which is the only affiliation cost to your club for the 2021/22 season.
For all information and price lists, please view our Affiliation Pack here.
You can access the Whole Game System using your FA Number and password.
Should you experience any problems or would simply like to know more, there is a dedicated Whole Game System Help Page with FAQs and instructional videos on our website here.
If you have any further queries, please do not hesitate to contact us via [email protected].
Thank you for your continued co-operation and hard work, under what have been and still are very difficult circumstances and we look forward to working with you again during the 2021/22 season. | finance |
https://www.gemsunitedindianschool-abudhabi.com/Admissions/Tuition-Fees/Save-on-your-school-fees | 2021-02-27T11:54:14 | s3://commoncrawl/crawl-data/CC-MAIN-2021-10/segments/1614178358956.39/warc/CC-MAIN-20210227114444-20210227144444-00334.warc.gz | 0.94895 | 144 | CC-MAIN-2021-10 | webtext-fineweb__CC-MAIN-2021-10__0__116908558 | en | How to save on your fees
At GEMS Education it is not just about financial support. We are always looking at ways we can evolve to ensure that we provide families with a quality education no matter what curriculum or fee point.
Here are some of the ways our parents can save on their school tuition fees:
FAB / GEMS Co-branded Credit Card
- 4.25% discount on your tuition fees
- 0% processing fees
- 12 months easy payment plan with 0% interest
Refer a friend to a GEMS school and earn 4% of the referred child's annual tuition fees as GEMS points. These points can be used to pay for your child's school and transportation fees. | finance |
http://www.hondaoakland.com/financing/index.htm | 2017-04-26T21:26:14 | s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917121665.69/warc/CC-MAIN-20170423031201-00339-ip-10-145-167-34.ec2.internal.warc.gz | 0.947549 | 262 | CC-MAIN-2017-17 | webtext-fineweb__CC-MAIN-2017-17__0__322436286 | en | Honda of Oakland Auto Financing Department | Serving Berkeley, San Leandro, Alameda, the Bay Area with Car Loan & Honda Lease Options
Welcome to Honda of Oakland's auto Finance Department, your auto loan and car lease resource. We're eager to provide financing for your new car, or we can assist in used car financing. Before deciding on a ride to finance make sure to browse our current new vehicle specials! Check out our online car loan calculator for an instant car loan rate. Then, proceed to our online finance application.
All types of credit, from good to bad, can qualify for an auto loan. Honda of Oakland has strong relationships that are needed to get you the perfect auto financing options. If you don't have any credit or have less than perfect credit we will still work to find you an option for auto financing that you can afford. Honda of Oakland is committed to finding you the perfect car loan company to suit your car finance needs.
Low interest car loans are available for customers with existing loans. We can help you refinance your car loan or adjust the term of the contract. You're just a step away from approved car financing! We have helped many satisfied drivers in the greater San Leandro, Berkeley CA, Alameda and Bay Area afford their dream cars. | finance |
https://motrom.com/news/how-to-make-money-on-marketplaces-by-selling-seasonal-products | 2023-05-29T09:21:43 | s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224644817.32/warc/CC-MAIN-20230529074001-20230529104001-00748.warc.gz | 0.96136 | 977 | CC-MAIN-2023-23 | webtext-fineweb__CC-MAIN-2023-23__0__94589281 | en | Due to economic and political instability, purchasing power is noticeably reduced, and the average check on online platforms is decreasing. However, competition is still growing, more and more sellers want to trade on marketplaces.
What to do in a difficult situation in order to earn money, and whether it is worth selling seasonal goods, says Askar Rakhimberdiev, CEO of MySklad. The cloud service is integrated with popular marketplaces. The company organizes discussions and webinars where trends and current market issues are discussed.
Seasonal products - what are they and what are their advantages
Seasonal goods are called goods, the demand for which directly depends on the time of year, holidays, weather conditions and other external factors. Such goods include swimwear, down jackets, school supplies and other goods that are in high demand during a certain period of time.
It is profitable to sell such products no more than 3-4 months a year at best. At worst, the demand period is only a few weeks. The rest of the time, interest in it can be generated by participating in seasonal sales, when prices are reduced by 50%.
The main advantages of seasonal products:
High profitability. It is much higher for seasonal goods. The profitability of products that are sold evenly all year round starts at 7%, and for seasonal products - from 25% to 70%. Conditional bows, which are used to tie the hair of first-graders, cost fabulous money in the last week of August, and on the morning of September 1, their cost drops.
Opportunity to earn fast. The margin for seasonal goods can reach up to 400%. If you buy or produce goods in advance at a low price and correctly predict demand, you can extract maximum profit with minimal investment.
The ability to make an upsell is to increase the average check. If you sell artificial fir trees, you can offer additional products for them - toys, garlands, New Year's tablecloths, napkins, etc. With a high probability, the buyer will buy something else.
Difficulties in dealing with seasonal goods
If the seller does not know the specifics of working with seasonal goods, he runs the risk of not having time to sell the goods and being left with Christmas trees in January.
Therefore, it is necessary to take into account the following nuances:
Analyze sales. See how the same products were sold last year by competitors, evaluate the strengths and weaknesses.
It is necessary to purchase products from a supplier 3-6 months before the start of sales. Later, the supplier or manufacturer may raise the price. If we want to sell winter hats, we need to buy them in the summer, long before the start of the season.
It is necessary to correctly predict demand and manage it during the season. If the product does not sell well, then you need to use all possible tools: advertising on the marketplace itself and in social networks, bloggers, SEO promotion. It is better to order more than to run out of stock. Some seasonal items are sold all year round, but their sales drop noticeably.
For example, summer clothes, swimwear or down jackets: they will have to be sold at a discount, but if the unit economy is calculated correctly, then the seller will not be left without profit. It is not uncommon for novice salespeople to make the mistake of miscalculating the number of units and subsequently find themselves unable to restock or difficult to sell.
Seasonality should be tracked based on the principle of segmentation:
Rigid. Goods that belong to this category are bought within 2-3 weeks. As an example - Easter sets or Christmas trees.
Bright. Demand for goods in this category is reduced by 40-60%. For example, swimwear is also bought in winter - for the pool or relaxing in warm countries, as well as in order to buy goods at a better price.
Moderate. Demand for these goods is always about the same level, except for holidays, when it rises by an average of 15%. This category includes bouquets, school supplies, beauty products and others.
I do not advise entering the market exclusively with seasonal goods, especially if the business is taking its first steps. Such products should not be more than 30-40% of the assortment portfolio. The rest is products with minimal risks (household chemicals, cosmetics, etc.).
To get the maximum income, follow the trends
If you want to get double the profits from selling seasonal items, follow the trends. The recommendation is most relevant for those who sell toys, clothes, jewelry, handicrafts. Fashion trends can be analyzed based on reviews of industry experts and information on social networks and large marketplaces - where it appears and spreads very quickly. | finance |
https://www.redland.com/uncategorized/ent-credit-union-coming-to-central-park/ | 2023-10-02T17:33:25 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511002.91/warc/CC-MAIN-20231002164819-20231002194819-00343.warc.gz | 0.93467 | 174 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__270133450 | en | Redland is helping to add a banking option to the thriving Central Park community in Highlands Ranch, as the construction of Ent Credit Union recently broke ground.
Ent Credit Union is a community credit union founded in Colorado Springs in 1957. Their member-centric approach has elevated them to one of the leading credit unions in the Front Range. This new branch building will include drive-up service and will be the first full-service location in Highlands Ranch
Redland is proud to have provided landscape architecture, civil engineering, and entitlement services for Ent Credit Union, and project architect, Keys + Lauer Architects.
Within the Central Park community, Redland is working for the owner, Shea Properties, for the retail/restaurant development and the park element, totaling approximately 14 acres. We are proud to be providing civil engineering, entitlement, and planning services for this project. | finance |
http://44.238.164.233/faqs/ | 2022-12-01T10:50:33 | s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710808.72/warc/CC-MAIN-20221201085558-20221201115558-00130.warc.gz | 0.940025 | 691 | CC-MAIN-2022-49 | webtext-fineweb__CC-MAIN-2022-49__0__54474326 | en | What does “Forever Pricing” Mean?
Once you sign up for one of the DonorHQ programs, your pricing will be locked in for the lifetime of the account! We will never raise the price or add any fees, your price is forever!
Do I need servers or and IT staff?
We run all of software on the Amazon Cloud (AWS) where uptime and security is the highest priority. You will benefit from a data center and network architecture built to meet the requirements of the most security-sensitive organizations and most reliable uptime in the industry. Our engineers maintain all of the infrastructure and software so you don’t have to, ever!
How do I pay for subscription services?
We believe in complete transparency, no quotes and no sales people! All of our services are self-service on our website, you can checkout and join whenever you want!
Are there any contracts?
We have no contracts or proposals. We break pricing down on a monthly cloud subscription model, but bill annually upon checkout. We have found that our software platform(s) are most effective when our customers committed to using it, but you have no penalties for leaving whenever you want.
Are there any setup fees?
ZERO – Simplicity and intuitive design is our goal, so we have built a platform that anyone can walk himself or herself though. We have also created and invested in both interactive guides to walk you through any questions, an online knowledge base and industry client service managers (CSM) ready to help!
Can I buy by the modules and upgrade later?
Correct, you can buy individual modules or upgrade to the full DonorHQ platform with in-platform self-upgrades!
What exactly is the platform fee?
Our platform fees are used to fund our security initiates to ensure all your data is safe for both your organization and donors.
Do you hold credit card information?
We collaborate with Stripe as our premier payment processor, so we as an company NEVER hold any financial information. In addition, data is passed straight through securely in the background right to our processor. Stripe has been audited by a PCI-certified auditor and is certified to PCI Service Provider Level 1. This is the most stringent level of certification available in the payments industry.
Are the credit cards and payments encrypted?
All card numbers are encrypted at rest with AES-256. Decryption keys are stored on separate machines. None of the internal servers and daemons are able to obtain plaintext card numbers; instead, they can just request that cards be sent to a service provider on a static whitelist. Stripe’s infrastructure for storing, decrypting, and transmitting card numbers runs in separate hosting infrastructure, and doesn’t share any credentials with Stripe’s primary services (API, website, etc.).
How safe are your software services?
We encrypt your data using 256-bit AES encryption, also known as AES-256, one of the strongest block ciphers available. Although nothing is completely fail safe, we have invested in highest standards to make sure you and your data are safe!
In which countries can I shop online?
Although we hate to see anyone leave, we understand if it’s time to go. Do not worry, we purge all data once an organization has elected to not continue. | finance |
https://www.metaboliclondon.com/terms | 2018-05-21T14:35:30 | s3://commoncrawl/crawl-data/CC-MAIN-2018-22/segments/1526794864405.39/warc/CC-MAIN-20180521142238-20180521162238-00624.warc.gz | 0.939854 | 1,056 | CC-MAIN-2018-22 | webtext-fineweb__CC-MAIN-2018-22__0__171206768 | en | Metabolic London Terms & Conditions
1. The terms and conditions apply to 100 Club Founder Membership, Monthly Unlimited and Corporate Membership options. Membership will commence from the date of payment and will recur on a monthly basis. You can cancel your membership after the initial 3 month period by giving us a minimum of 1 months notice. Your membership will be cancelled after your next payment. For example, if your membership renews on the 25th of each month and you give notice on April 10th (or any point between March 25th and April 24th), we will take one final payment on April 25th and your membership and access to the gym will end on May 25th.
2. If you are paying by direct debit, your signature on the credit-card or debit-card form authorises us to use that card to take the monthly payment if we do not receive your direct-debit payment for any reason. If you fall behind with your membership fees and this is not caused by a bank error, we may charge reasonable administration fees or suspend or cancel your membership and we may pass your details to a debt-collection company to recover any outstanding payments.
3. We may decide to increase our membership fees, but your fees will not increase in your initial term of membership (unless you do not provide ID for a membership type that requires it). We will give you one month’s notice of any fee change. If you pay your membership fees as a lump-sum payment, we will only review your membership fees when your membership is due for renewal.
4. You can cancel your membership within 14 days of joining and we will refund any membership fees you have paid as long as we receive your cancellation notice within this time frame.
5. If you pay your membership fees upfront in one single lump sum, your membership will automatically end at the end of the initial term unless you choose to renew it.
6. If you pay your membership fees monthly by direct debit, your membership will automatically continue at the end of the initial term unless you give us one full calendar month’s notice to end it. (You can give one month’s calendar notice to end your contract on the last day of the initial term.) If your contract rolls over after the initial term, you can end your membership by giving us one full calendar month’s notice. You must pay your full membership rate during your month’s notice. Example: You give notice to end your membership contract on any day in April, but your full calendar month’s notice will not start until 1 May and you will leave on 31 May (your final payment will be for the month of May).
7. You can ask to cancel your membership and give us notice by providing your membership details: in person, by calling 07801 271 642, or by emailing [email protected]. We will send or give you confirmation once we have processed your cancellation. This could be by email or letter, depending on how you tell us you want to cancel your membership. Please tell us if you do not receive this. You are responsible for cancelling your direct debit once we have processed your cancellation and any payments relating to notice periods have been taken. We are entitled to keep any membership fees we receive if you have not cancelled your direct debit instruction with your bank and you have not given us valid notice to cancel your membership.
8. You can also cancel your membership if we seriously break these terms and conditions. We can cancel your membership if: you have seriously broken any terms of this contract; you do not pay any fee or charge within seven days of the date it was due, and we have written to you and given you a further 14 days to pay (so the fee or charge is more than 21 days late); If the gym permanently closes we will refund any membership fees you have paid upfront for a period of membership that has not yet been completed, or for any other reason if we consider it necessary to end your contract.
9. Our staff, agents and subcontractors are not medically qualified so if you have any doubts about your fitness or capability to exercise, we strongly recommend that you get advice from a doctor first. For safety reasons, you are responsible for correctly using all club facilities and reading club signs, and agree to keep to the conditions in the Health Commitment Statement, which is available at the front desk.
10. We will not be liable to you for any loss, damage or theft of any property you bring onto our premises which happens while the property is not locked away in a locker. The maximum compensation we will pay for any loss, damage or theft to property is limited to a total amount of £500 (for any one incident) if the loss, damage or theft is caused by the negligence of Metabolic London.
11. Late cancellation of classes and the 12 hour cancellation rule. If members have booked a class and fail to show up - you will be charged £9 automatically from your account. All members are entitled to change their bookings more than 12 hours from the start of the class, however cancellation / no show within the 12 hours will incur a charge. | finance |
https://www.holytrinityhartford.org/online-giving | 2023-06-09T18:01:39 | s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224656788.77/warc/CC-MAIN-20230609164851-20230609194851-00693.warc.gz | 0.923698 | 962 | CC-MAIN-2023-23 | webtext-fineweb__CC-MAIN-2023-23__0__214130980 | en | Holy Trinity Church offers online giving!
Our Sunday Visitor has been chosen as our Online Giving provider. Our Sunday Visitor serves millions of Catholics worldwide through its publishing, offertory and communication services. Established in 1912 by a local parish priest, Our Sunday Visitor has grown into the nation's largest supplier of offering envelopes, parish and diocesan mailings, books, periodicals, curriculum, address management and stewardship services.
Online Giving costs you nothing and provides many advantages to you and the church! Click here to register now, or keep reading to learn more about the benefits...
Benefits for You
- No check writing or ATM stops before church
- Safe, secure, and confidential
- Use your checking, savings, or credit card
- Schedule recurring or one-time donations
- Change a gift or account any time you like
- Choose offertory, special funds, pledges
- Earn rewards through your credit card
Benefits for Holy Trinity Church
- Reduces check processing fees
- Allows staff more time to focus on ministries
- Creates peace in knowing your data and auto-deposited gifts are secure
- Accommodates special funds and tuition
- Provides giving history for tax statements
- Reaches a wider demographic of givers
Frequently Asked Questions About Online Giving
Is Online Giving Safe?
Online Giving meets the highest banking-level security standards set forth by the Payment Card Industry (PCI) to ensure safe and confidential transactions. In fact, your banking information is encrypted in the system and is not accessible to any users or administrators of the Online Giving system.
When you manage your own account information, your parish never needs to handle checks or worry about locking up documents containing your account information. And you'll always be certain that your gifts are direct-deposited into your parish's account.
What are the advantages of Online Giving?
It makes it easy to give, even when you are unable to attend church. You never have to bring cash or checks to church. Giving electronically also helps the parish save money and plan its budget!
How are my contributions automatically deducted from my account?
Once you complete the online registration form, the contribution amount you specify will automatically be transferred from your bank account to the parish's bank account.
When will my contribution be deducted from my account?
Your electronic contribution will be debited on the date you specify on the "My Gifts" page of the Online Giving system.
If I do not write checks, how do I keep my checkbook balance straight?
Since your contribution is made at a pre-established time, you simply record it in your check register on the appropriate date. Electronic contributions are recorded for you on your bank statement as well as your online reports.
Without a canceled check, how can I prove I made my contribution?
Your bank statement and the Online Giving system both provide reports that document your electronic transactions.
Can I put different amounts in offerings and have all of them withdrawn at different times?
You can contribute to different offerings at different times; however, you will have to do each one separately. You will receive a receipt for each one.
What if I change bank accounts?
Log in and update your account information in the My Payment Schedule window. Each checking/savings/credit card can be changed using the edit button, deleted completely, or new accounts can be added on the right side of the screen.
How much does Online Giving cost?
It costs you absolutely nothing!
What if I try Online Giving and don't like it?
You can cancel your authorization by deleting your accounts and donation dates at any time.
How do I sign up for Online Giving?
- Visit your parish website
- Click on the Online Giving link
- Complete the registration form
It's that simple!
For additional information or help setting up your account please contact the parish office at 860-246-4162.
Click here to enroll in online giving.
For Your INFORMATION: Contributions and tax requirements
We thank our parishioners for their faithful support of our parish, their support of the monthly parish debt payment, their support of our various parish projects and activities, and their support of the special collections. By law parishioners who itemize deductions for income tax purposes must have bank records or receipts from the parish in order to deduct contributions to the parish on their tax return. In order for the parish to be able to provide a parishioner with the required receipt, parishioners are encouraged to use parish envelopes or online giving. As an alternative, using a check to make weekly contributions will provide the parishioner with the required documentation. | finance |
http://www.urbaneconomics.com/ | 2017-02-22T13:28:18 | s3://commoncrawl/crawl-data/CC-MAIN-2017-09/segments/1487501170992.17/warc/CC-MAIN-20170219104610-00156-ip-10-171-10-108.ec2.internal.warc.gz | 0.906573 | 222 | CC-MAIN-2017-09 | webtext-fineweb__CC-MAIN-2017-09__0__51909240 | en | “The key to our consistent record of success is a truly unique combination of authoritative expertise and ability to transform complex data into actionable strategies.”
Unmatched expertise. Exceptional results.
Urban Economics is a nationally recognized resource for real estate appraisals, property tax challenges and real property consulting services. The firm incorporates the power of advanced GIS mapping technology to provide leading-edge real estate research, market analysis and litigation support for the industry’s most demanding clients.
Respected real estate appraiser and expert witness Michael McElveen and his team leverage a unique combination of GIS-based real estate data, micro economics expertise and litigation support to provide clients with a fully-integrated suite of 360º solutions.
The Tampa, Florida-based firm is an industry-leading provider of strategic real estate transaction, asset management and workout solutions, as well as property taxation, eminent domain and expert witness services. Advising institutional and private investors, Urban Economics has an incomparable track record of delivering results for even the most complex challenges in a rapidly evolving real estate market. | finance |
https://www.laurasteward.com/173-kateri-ruiz-maia-community-20-month-37-7-million-in-one-year.html | 2023-10-02T22:29:17 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511021.4/warc/CC-MAIN-20231002200740-20231002230740-00020.warc.gz | 0.972584 | 395 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__10786649 | en | Did you know that if each woman in America spent $20/month at a woman owned business that would put $37.7 billion into the hands of women-owned business? That amount is more than all the venture capital given to women-owned businesses in 2017. Crazy isn’t it?!
My guest is making it easier for you to spend that $20/month. She has created MAIA.community. A directory website with profiles of currently over 700,000 women owned businesses.
Rather than just give lip service to supporting women Kateri Ruiz has devoted her business to growing women owned businesses.
Take a listen as we talk about how she decided to create her business after declaring she sold her soul in corporate life.
At MAIA, our mission is to change the status quo on gender equality at the highest levels of leadership. We are women-conscious consumers and we’re creating the first free access searchable platform of woman-owned businesses in the United States, 13 million and counting. As the CEO of your life, does your purchasing power align with your values?
My personal challenge is 83% – 5 out of 6 people in my household are female. 83% of our household spending will go to women-owned companies, and women-created ventures. When women are involved equally at the highest levels of leadership, where we ideate, create and make decisions, we have the potential for our products, our services, and solutions to truly represent all of us.
If each female in the U.S. spent $20 a month at a woman-owned business for 1 year, they would drive $37.7 billion more to women-owned companies than all Venture Capital funding did in 2017. Your money matters, use it to make a difference!
I also sold my soul for corporate America for 17 years. I had full P&L responsibility of $42M. website: maia.community | finance |
http://www.cinematographerx.com/finance-how-i-purchase-expensive-equipment/ | 2021-01-17T08:43:29 | s3://commoncrawl/crawl-data/CC-MAIN-2021-04/segments/1610703511903.11/warc/CC-MAIN-20210117081748-20210117111748-00432.warc.gz | 0.981615 | 1,607 | CC-MAIN-2021-04 | webtext-fineweb__CC-MAIN-2021-04__0__39498621 | en | Disclaimer: I am not a financial advisor or business expert and this article isn’t intended as a guide for your specific financial or business situation. It is a recounting of my experience and my opinions on the subject on what has worked for me. For advice about your financial or business decisions, please contact a qualified financial advisor or a trusted business mentor.
I want to start this post by acknowledging that I am not wealthy, nor do I come from a wealthy family. I am working towards becoming financially free at some point in my future, but I still have to work on a fairly consistent basis to earn income. With that said – there can be a disconnect with people understanding how I still need to work but own what most people would consider very expensive equipment.
When I was first starting out, I had never even dreamed of owning a camera that essentially costs the same as a mid sized car. I once had a hard time wrapping my head around spending more than $200 on a camera. Over the years, I was continually exposed to camera gear pricing and became less shocked at prices. Sometimes I’m brought back to reality when I speak to beginners who have trouble justifying the cost of camera gear.
Therefore, the goal of this article is to take beginners through the process and mindset I’ve gone through over the years to afford higher priced equipment as I progress to each new level.
Before I get too much into the details of this topic, here is the perspective in which I am writing from:
- I do not have a trust fund from my family nor have I received any significant financial inheritances.
- All of the major equipment purchases I’ve made have been with money that I’ve worked and saved for.
- Large ticket items I couldn’t afford with savings I’ve put on credit cards and paid off over time.
Working your way up
When one begins to work at the professional level in your field, some tools of the trade can be very expensive. Sometimes, there is a big difference between a professional tool and a hobbyist tool. Other times, there are minor differences that make a big difference over time (comfort, durability, build quality, etc). Whatever the case, professional tools such as camera equipment, can get very expensive when you get to the higher tiers.
I’ve gotten the question “How did you afford that?” or comments like “Wow you have that camera/lens/etc? You must be doing well.” or “That’s really expensive” with wide open eyes. It’s easier to understand when you see the mechanics of how expensive equipment is purchased and paid off – that often people just aren’t successful out of nowhere and that owning expensive items such as equipment came from a lot of hard work.
I grew up in a middle class family where both parents worked full time. I think my father single handedly brought our immediate family out of the lower class existence he grew up in so I need to acknowledge him for that – thanks dad. Although I am only child and my parents did a great job of not making me feel like money was a big issue, I still remember my parents intensely discussing and arguing about the state of financial affairs, savings, etc.
6 years ago I was in the same boat with similar questions and comments that most people have when they haven’t invested into high end equipment for whatever reason. I never thought in my wildest dreams that I would come to own a RED camera. When I looked at the price tag compared to my Canon t3i at the time, it didn’t even register as a reality. Why would I spend more money on a camera than I can get a car for?
I did not work on large sets when I was first starting out. Because of this, I did not have access to these higher end tools. Later I came to find some of my favorite fashion photographers and directors were shooting on RED, so I eventually became interested in the camera platform. Once I decided I wanted to own one, I looked for ways of how to obtain one.
I think making a decision is the first important step; once your mind has decided on something, the problem then becomes ‘how do I achieve this’ instead of ‘I’ll never be able to afford that’. Whatever your priority is, your mind will focus on.
Over the course of the next two years I saved money. Combined with the small savings I had from work, I was able to purchase a used Scarlet-MX. It was the lowest end model I could afford, from a student who was selling it at a really low price to fund other things. I was lucky with my find, as I wouldn’t have been able to afford a brand new model without going into debt. It was more than just about buying the equipment – it was a gateway for me to understand the best way for me to save and get over the mental barrier of a high cost item, but also being financially responsible and not go into debt.
How to afford an expensive camera/lenses/etc
Here are the steps I use to purchase camera equipment:
- I decide I am going to buy something.
- I take a look at my current finances. Do I have enough saved up? If it negatively will affect my savings or my ability to have a rainy day fund, I will look into 0% APR credit cards. I’ve found that if I can pay my debt off in 15-18 months, I can essentially have no interest on it. I do not take out loans if I can avoid it, since I do not like paying interest on things.
- If I cannot afford what I want after taking account of my finances and my credit cards, keep working until I am financially ready to afford it. By that point, usually 1-2 years later depending on my saving habits, I will be ready to purchase either through savings or credit. However I’ve found that I may have grown out of my desire to own the thing I wanted. Then I have enough for the next thing that comes along without having to work so hard towards it.
There have been a lot of things I’ve wanted to buy but simply didn’t because I did not want to put myself in a precarious financial situation. I would love to buy a fully loaded, $80k brand new Alexa Mini on a loan. However, in order for me to pay it back in a timely manner, I would have to rent my camera out frequently on projects that I am not working on. I’m not interested in maintenance and dealing with pickups and drop offs, and I do not want to be paying back a loan with interest for 2+ years by not using additional rental income to pay the camera off. Typically, I purchase items I can pay back within an interest free 15-18 month period.
Don’t let the gear define you
Although owning gear can be lucrative, here’s something to think about: Some very successful cinematographers I know in their 20s and 30s do not own and never have owned major camera equipment. They started out renting and rent now. If something is currently out of reach for you financially, there are other creative ways of making great images, and people are out there proving it every day.
As a cinematographer I’ve always had a camera for personal projects as well as work projects. The size/price/etc of the camera may go down in the near future to not have to worry about figuring out a financial strategy for myself; but until then I’ve found a combination of saving and using 0% APR credit cards the best method for me to finance these items. | finance |
http://totalhorsechannel.com/getting-insurance-for-your-horse/ | 2020-07-10T16:49:07 | s3://commoncrawl/crawl-data/CC-MAIN-2020-29/segments/1593655911092.63/warc/CC-MAIN-20200710144305-20200710174305-00177.warc.gz | 0.946947 | 287 | CC-MAIN-2020-29 | webtext-fineweb__CC-MAIN-2020-29__0__219693414 | en | Insurance for Your Horse
This comprehensive policy reimburses you in the event of the death of your insured horse resulting from an accident, sickness or disease sustained during the annual policy term. This policy also provides coverage if an insured horse requires euthanasia, as recommended by your veterinarian and agreed to by the insurance company, to prevent excess or continued suffering due to an incurable injury or terminal disease. Limited theft protection is included offering protection if the insured animal is stolen and dies as a result.
Your mortality policy will provide coverage while your insured horse is stabled in the United States or Canada including during transportation throughout. The territorial limits of your policy can be extended to include many foreign countries. Prior notification and acceptance by the insurance company is required to provide transit coverage outside of the US and Canada. This is a very important consideration if you are purchasing a horse from another country, or one who will be traveling worldwide.
You will always want to notify your agent or assigned claims adjuster of any illness or injury requiring veterinary care and prior to any surgery even if elective-type surgery.
Failure to give proper notice of any claim or prior to any surgery (unless required to save the animal’s life) could jeopardize your insurance coverage.
Insurance Policy Requirements
The insurance company has specific requirements for placing insurance on your horse. Once these requirements are met, we will be able to immediately provide coverage. Learn More | finance |
https://staging.scrt.network/ecosystem/funding | 2022-06-26T01:57:26 | s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103036363.5/warc/CC-MAIN-20220626010644-20220626040644-00116.warc.gz | 0.870351 | 556 | CC-MAIN-2022-27 | webtext-fineweb__CC-MAIN-2022-27__0__1599782 | en | Build bigger with our $225M+ fund
Get long-term financial and strategic support to build on Secret Network, provided by leading investors in the field.
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“Secret Network is the first mover and market leader in solving what is still a core need for Web3: data privacy for applications. We are excited to become supporters of the Secret ecosystem and look forward to helping accelerate its global growth across all verticals and aspects.”
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Join our community of privacy pioneers to create a better, more empowering web.BECOME A SECRET AGENT | finance |
https://www.dcinternships.org/costs-scholarships/ | 2023-06-04T04:23:10 | s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224649439.65/warc/CC-MAIN-20230604025306-20230604055306-00061.warc.gz | 0.94155 | 2,253 | CC-MAIN-2023-23 | webtext-fineweb__CC-MAIN-2023-23__0__76967360 | en | The costs associated with our program cover tuition at George Mason University and furnished housing in downtown Washington, D.C.
The additional benefits of our comprehensive program, including an internship placement, guest lectures, networking events, professional seminars and site briefings add value beyond just the classes and housing. The experience, knowledge and contacts you will gain by participating in a TFAS program will be valuable assets and can increase your earning potential in the job market.
As an educational nonprofit organization, we strive to provide as much scholarship funding to as many qualified and deserving students as possible. 85% of students attending TFAS programs are on full or partial awards based on merit and/or need. You’ll see the full costs listed below, but keep in mind that the majority of students receive scholarship funding to help cover a portion of the costs.
Scholarship Funding Overview
Awards for the summer tend to range from $1,000 -$5,000 and $2,000 –$7,000 in the semester, with the highest awards going to students with the highest degree of need and merit. Please see the Admissions page for details on how to apply for a scholarship with your application.
In addition to the partial scholarships available through our general scholarship fund, we have a number of special full scholarship opportunities open to students meeting certain criteria or focuses of study.
“Before coming to Washington, D.C, I was struggling to choose whether to accept this opportunity due to financial reasons. Thanks to my scholarship, I have gained an unforgettable experience, and I have TFAS to thank for helping me take full advantage of this opportunity!”
Anthony Bonini, University of Redlands Intern, Aspira Association Inc.
Program Costs + Full Scholarships
Details on the summer and semester program costs as well as full scholarship opportunities are found below. Please click through all tabs to learn more about each category of full scholarship after reading the overview.
Students are required to take a 3-credit core class and may choose to enroll in an additional elective class for up to 6 credits in total. There are two housing options offered.
3-Credit Option: $8,250
Tuition + Housing in Affinity Units for 8 weeks
6-credit Option: $9,450
Tuition + Housing in Affinity Units for 8 weeks
A non-refundable deposit of $750 (deducted from tuition balance) is due at the time of enrollment (generally within 3 weeks of acceptance). The remainder of the tuition balance is due May 1.
Estimate of living costs for the summer (actual costs will vary and are not included in the program costs):
Books and supplies: $200
Food: $1,000 (depending on personal preferences)
Transportation around Washington: $350 (Metro train and bus fare)
Personal expenses: $250 (Entertainment, etc.)
Transportation to Washington: Based on distance from Washington and type of travel
In addition to a pool of full scholarships that are open to any undergraduate studying in the United States, TFAS has multiple full scholarships restricted by geographical region, school of enrollment, or focus area.
Unless otherwise noted, the scholarships outlined on this page are open to students applying to and attending the following summer program tracks:
Public Policy + Economics
Journalism + Communication
Business + Government Relations
All students receiving a full scholarship must enroll in 6 credits, including an economics and elective course of their choice.
Select full scholarships are available to applicants to the Leadership + the American Presidency program track. The Reagan Institute administers these awards. Please contact [email protected] to learn more.
How to Apply
Complete the Full Scholarship application within the online application.
Full scholarships are merit-based and will be reviewed and awarded on a rolling basis beginning at the December 6 Early Deadline.
Any student not selected for a full scholarship will be considered for a partial award from the general scholarship fund if the General Scholarship application was completed. Partial awards are based on a combination of financial need and merit.
Scholarship awards are made at the time of admission.
Full Scholarships: Regional + School Specific
The following full scholarships are open to students from the region or university/college noted in the description. Please see the Full Scholarship Overview tab for further application details.
This scholarship is open to a student attending Amherst College (Massachusetts).
There are 2 full scholarships available to students attending Bucknell University (Pennsylvania).
This scholarship is open to students from or attending college in the Houston, Texas area.
This scholarship is open to students attending Southern Methodist University in Texas.
This scholarship fund is open to students attending college in Western Texas. Special preference is given to students of Abilene Christian University, Hardin-Simmons University and McMurry University.
This scholarship is named for Senator Richard Lugar and is open to students attending colleges and universities in Indiana.
This scholarship is open to a student attending Mt. Holyoke College (Massachusetts) or Wesleyan University (Connecticut).
Sponsored by the DeJoy Wos Family Foundation, this scholarship fund will provide at least 12 full scholarships to students from or attending college in North Carolina.
This scholarship is open to a student attending Stetson University (Florida).
This scholarship is open to students attending Tufts University (Massachusetts).
This scholarship opportunity is open to a student attending Western Michigan University (Michigan).
Full Scholarships: International Students
We have several special scholarships/partnerships available for students from specific countries. Admission of international students studying outside of the U.S. will be limited to applications from the following scholarships.
Please see the Full Scholarship Overview tab for further application details.
This full scholarship is available to several students from Hungary in both the summer and spring semester.
Through the generosity of the Hungary Foundation, full scholarships along with a generous living expense stipend are provided. Interested applicants should visit HF’s website for more information about the fellowship and apply on TFAS’ website by the noted deadlines.
Through this scholarship fund, TFAS is able to provide a full scholarship plus a generous travel and living expense stipend to a student from Poland to attend one of the summer program.
Through the generosity of the Netherland-America Foundation, 4-5 full scholarships will be provided to students from the Netherlands to attend the summer program.
Through this scholarship named in honor of George Viksnins, a long-time and beloved TFAS economics professor, a full scholarship is offered to 1 Latvian student to attend the summer program.
Through the generosity of the DeJpoy Wos Family Foundation, 1 full scholarship along with a generous travel stipend is offered to 1 Estonian student to attend the summer program.
Topical Fellowships – U.S.-based Students
The following full fellowships are open to students interested in the topic of focus. Each fellowship provides a full scholarship. Please see the Full Scholarship Overview tab for further application details.
At least 10 full scholarships are available to students with a demonstrated interest in studying and pursuing a career in defense and national security. This scholarship opportunity is open to students who are applying to and admitted into the International Affairs track.
This scholarship opportunity will provide full scholarships to at least 10 students involved in the liberty movement. Several fellowships are reserved for students attending college or university in Arizona.
This fellowship is open to students enrolled in the Business + Government Relations program track and provides 4 students with a full scholarship that covers 6-credits, housing and program fees, along with a $1,000 stipend. Students will be given the opportunity to apply for this fellowship upon enrollment in the program. Applicants will be asked to submit several additional short essay prompts.
The fellowship is open to students with experience or interest in information technology, computer science and public policy. Fellows will be interning in the government affairs offices of one of the following technology organizations:
Technology CEO Council
Computing Research Association
Intern supervisors provide mentoring, hands-on experience and valuable high-tech public policy training. Fellows have an opportunity to observe the development and advocacy of significant policy issues in Congress, the Administration and industry associations. They also have the opportunity to participate in projects of their own, focusing on current critical issues facing the tech sector.
One of the fellowships is named to honor the memory of Thurmond Woodard, Dell’s former vice president of global diversity and the chief ethics, privacy and compliance officer. Applicants interested in this fellowship will submit an additional essay prompt on diversity and ethics. The selected fellow will intern at Dell for the summer.
Partner Organization Scholarships
TFAS partners with a number of organizations to provide full scholarships to attend the summer programs. Please see the Full Scholarship Overview tab for further application details.
6 full scholarships are open to students with confirmed State Department internships. These students will enroll in the International Affairs track and receive mentorship from members of the Council of American Ambassadors. An invitation to apply for the fellowship will be sent to all eligible State Department interns. Interested applicants should apply directly to the State Department’s internship program.
Full and partial scholarships are available to alumni of the Foundation for Teaching Economics (FTE) summer programs.
This scholarship opportunity is open to students who are receiving a Sumners Foundation scholarship at an identified university. Interested applicants should email Mary Stankus to notify her of their intent to apply.
4 full scholarships will be awarded to cadets of the U.S. Air Force Academy annually. Interested cadets should contact the academy directly for application instructions.
Other Sources of Funding
While 85% of students receive scholarship support from TFAS, including some full awards, most students will have a remaining balance due. It is important to think about how you will fund your Washington experience early in the application process.
We encourage you to take the following steps:
Talk with your parents, guardians and other family members about their ability to contribute to your participation in the program.
Research scholarship opportunities on your campus and in your community, including the honors college, academic departments or other offices that offer scholarships for enrichment programs. Community organizations such as the Rotary Club and churches often assist students in financing their DC experience.
Meet with the financial aid office at your home university to discuss the possibility of transferring any federal aid to a summer or semester of study. Aid may be transferred through a consortium agreement. A consortium agreement is a form that allows one academic institution to verify the credit hours and costs of another academic program before a transfer of funds can occur.
Your TFAS admissions counselor will also serve as your tuition payment counselor as you research additional funding opportunities. Questions regarding consortium agreements, transferring aid and applying for educational loans may be directed to these staff members and [email protected]. | finance |
http://uresinc.com/about-us | 2019-06-17T03:34:00 | s3://commoncrawl/crawl-data/CC-MAIN-2019-26/segments/1560627998369.29/warc/CC-MAIN-20190617022938-20190617044938-00120.warc.gz | 0.934954 | 286 | CC-MAIN-2019-26 | webtext-fineweb__CC-MAIN-2019-26__0__135912866 | en | To provide a fully electronic “One-Stop” shopping approach for real estate services that enables our clients to make sound loan decisions. We are dedicated to maintaining our current edge in turnaround time and quality; continually striving to meet or better your expectations. From application to approval, our goal is to be your professional solution.
For over 20 Years, Universal Real Estate Services strives to provide financial institutions a one-stop NATIONWIDE resource for their lending needs. These services include Title and Settlement, Instant Flood Certifications, property searches and APPRAISAL SERVICES. Universal’s cost effective and timely appraisal services include all recognized appraisal forms as well as Instant AVMs and Broker Price Opinions.
With over 3,000 licensed and certified professional appraisers, Universal provides your institution with local market expertise, complete geographic coverage and unmatched customer service. Each of our clients is assigned at least two Universal in-house processors to provide continual updated status information to get your deals done promptly. Factor in on-line tracking and 100% electronic transmission of your reports and you will understand why we are confident when we say: From Application to Settlement, Universal IS your answer.
We at Universal are confident we can exceed your vendor expectations and assist you in reaching your lending goals. Universal views our association with our clients as a partnership and we look forward to that same partnership with your institution. Your consideration is greatly appreciated! | finance |
https://rayban-australia.com/properties/ | 2024-02-24T12:24:48 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474533.12/warc/CC-MAIN-20240224112548-20240224142548-00472.warc.gz | 0.933072 | 1,419 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__197735484 | en | When it comes to the world of real estate, the term “properties” is a common buzzword. Whether you’re a seasoned investor, a first-time homebuyer, or simply curious about the housing market, understanding the concept of properties is essential. In this article, we will delve into the fascinating world of properties, exploring their different types, values, and the factors that affect them. So, let’s get started on this exciting journey!
What are Properties?
Properties, in the context of real estate, refer to land and any structures or improvements on that land. They can include residential homes, commercial buildings, vacant land, farms, and even natural resources like oil or mineral deposits. Essentially, properties are tangible assets that can be bought, sold, rented, or leased.
Types of Properties
Properties can be broadly categorized into four main types:
- Residential Properties: These are properties primarily used for housing purposes. They include single-family homes, apartments, condominiums, townhouses, and vacation homes. Residential properties are typically owned by individuals or families who either live in them or rent them out to tenants.
- Commercial Properties: Commercial properties are used for business purposes. They can include office buildings, retail stores, warehouses, industrial facilities, and hotels. Commercial properties are often owned by corporations, real estate investment trusts (REITs), or individual investors who lease them out to businesses.
- Industrial Properties: Industrial properties are specifically designed for manufacturing, production, or distribution activities. They can encompass factories, warehouses, distribution centers, and storage facilities. Industrial properties are usually owned by companies engaged in industrial operations or by investors looking to generate rental income.
- Land and Agricultural Properties: Land and agricultural properties include undeveloped land, farmland, ranches, and vineyards. These properties are primarily used for agricultural purposes, such as crop cultivation, livestock farming, or viticulture. Investors may also purchase land for future development or speculation purposes.
Factors Affecting Property Values
Now that we understand the different types of properties, let’s explore the factors that influence their values:
- Location: The location of a property is one of the most critical factors affecting its value. Properties situated in desirable neighborhoods with good schools, amenities, and proximity to transportation tend to command higher prices. On the other hand, properties in less desirable areas or those facing environmental issues may have lower values.
- Supply and Demand: The law of supply and demand plays a significant role in determining property values. When the demand for properties exceeds the supply, prices tend to rise. Conversely, when the supply outweighs the demand, prices may decline. Economic factors, population growth, and market conditions can all influence the supply-demand dynamics.
- Property Condition: The condition of a property, including its age, maintenance, and renovations, affects its value. Well-maintained properties with modern amenities and upgrades generally have higher values. Buyers and tenants are willing to pay a premium for move-in ready properties that require minimal repairs or renovations.
- Economic Factors: The overall state of the economy, including factors like interest rates, employment rates, and inflation, can impact property values. During times of economic growth and low interest rates, property values tend to rise. Conversely, during recessions or periods of high interest rates, property values may decline.
- Property Size and Features: The size of a property, both land and building, can influence its value. Larger properties typically command higher prices. Additionally, unique features like swimming pools, outdoor spaces, or scenic views can add value to a property.
The Importance of Understanding Properties
Why is it crucial to understand properties, you might ask? Well, whether you’re buying, selling, renting, or investing in real estate, having a solid understanding of properties can provide you with several advantages:
- Confident Decision-Making: When you understand properties and the factors that affect their values, you can make more informed decisions. Whether you’re deciding on the right property to buy or determining the right price to sell, your knowledge will empower you to make confident choices.
- Identifying Investment Opportunities: Real estate can be a lucrative investment avenue. By understanding properties, you can identify investment opportunities that align with your financial goals. You can analyze market trends, assess potential rental yields, and make calculated investment decisions.
- Negotiating Power: Armed with knowledge about properties, you can negotiate better deals. Whether you’re negotiating the purchase price, rental terms, or lease agreements, your understanding of property values and market conditions gives you an edge in negotiations.
- Protecting Your Interests: Understanding properties also helps you protect your interests as a property owner or tenant. Being aware of your rights and obligations, as well as the legal aspects of property transactions, ensures that you are safeguarded and can mitigate potential risks.
Let’s bring the concept of properties to life with a few real-life examples:
Example 1: Sarah is looking to buy her first home. She’s considering two properties in different neighborhoods. Property A is located in a highly sought-after neighborhood with top-rated schools, parks, and easy access to the city center. Property B is situated in a less desirable area with limited amenities and a higher crime rate. Sarah knows that Property A is likely to have a higher value due to its location and positive neighborhood attributes.
Example 2: Michael is a real estate investor looking to diversify his portfolio. He’s considering investing in either a commercial property or an industrial property. After analyzing market trends and rental yields, Michael realizes that commercial properties in his city are in high demand due to the thriving business sector. On the other hand, industrial properties have lower rental yields but offer long-term stability. Armed with this knowledge, Michael decides to invest in a commercial property to capitalize on the current market conditions.
Example 3: John is a homeowner who wants to sell his property. He knows that his house is in good condition and has recently undergone renovations. However, he’s unsure about the right price to list his property. John researches similar properties in his neighborhood, assesses the current market conditions, and consults with a real estate agent. With a solid understanding of property values and market trends, John confidently lists his property at a competitive price, attracting multiple interested buyers and ultimately selling it for a higher value.
Properties are the building blocks of the real estate world. Understanding their different types, values, and the factors that influence them is crucial for anyone involved in real estate transactions. Whether you’re a buyer, seller, investor, or tenant, having a comprehensive understanding of properties empowers you to make informed decisions, identify opportunities, and protect your interests. So, next time you come across the term “properties,” remember the exciting world it represents and the potential it holds. | finance |
https://www.tlemarket.com/clnt-taylor | 2021-01-26T14:31:57 | s3://commoncrawl/crawl-data/CC-MAIN-2021-04/segments/1610704800238.80/warc/CC-MAIN-20210126135838-20210126165838-00295.warc.gz | 0.989454 | 250 | CC-MAIN-2021-04 | webtext-fineweb__CC-MAIN-2021-04__0__169044533 | en | Worked with TLE at CaseRev
Referred TLE to 6+ companies
"I have had extensive experience with TLE.market and have been very impressed with their effectiveness in creating qualified leads for companies that sell within the insurance and legal industries. I was originally introduced to their services by a Board Director of a start-up insurance and litigation technology company at which I was in charge of business development. I was initially very skeptical of any third-party's ability to drive interest across our C-suite oriented executive prospect base, particularly because our solution was both complex, difficult to explain, and new to the industry. To my delight, TLE.market not only exceeded their own estimate of how many qualified meetings they could produce for our organization, but they generated a robust pipeline that was core to our growth and ability to secure new funding. I have been sufficiently impressed with TLE.market's performance that I have suggested them to executive colleagues at no less than 6 other companies in the insurance, legal and financial spaces. Each has shared with me how pleased they have been with their services also. In short, I would not hesitate to recommend them to others who are looking to quickly build, expand, or strengthen their sales pipeline." | finance |
http://blog.ehudadler.com/riddles/2018/11/21/minimizing-gas.html | 2019-11-12T04:36:10 | s3://commoncrawl/crawl-data/CC-MAIN-2019-47/segments/1573496664567.4/warc/CC-MAIN-20191112024224-20191112052224-00358.warc.gz | 0.952845 | 616 | CC-MAIN-2019-47 | webtext-fineweb__CC-MAIN-2019-47__0__61565460 | en | Here’s a riddle that I thought about.
Every year, 4 months before the start of a new semester each department in Queens College 🏫 releases the schedule of when classes are to be held and which professors will be teaching those classes.
You are the chair of the math department. You’ve assigned all but 2 professors to their classes. The two remaining professors can teach any class and both want to be full time employees. In order to be considered a full time professor you need to teach 6 hours a day and atleast one 2 hour class. The problem is that these two professors are married with little kids at home who need to be watched at all times. This means that both professors cannot teach at the same time (Because then nobody would be home). This also means that the moment one of them finishes teaching, they drive home (Luckly they have 2 cars 🚙). The contract you signed with them stipulates that you must pay for gas money incured by driving back and forth during school hours.
- 2x 2 hours classes
- 8x 1 hour classes
that need professors so you’ll need to divy those classes up among the 2 remaining professors. The way the schedule worked out this semester each of these classes are back-to-back with no breaks.
You want to minimize the amount you pay for gas so you want to schedule each professor for as many back-to-back classes as possible, having them switch shifts at home less often. You’d like to do an even split but the order in which the classes will occur is currently unknown and is decided by people not in your control.
Today is the final day to send the budget to the Budget Office 🏦. You want to add the necessary gas money, $1.00 a trip from the professor’s home to college and each trip requires both of the professors to drive one way ($2.00 total per switch), to the budget but don’t want to request more than necessary. On the other hand you don’t want to request less than necessary because then the gas money will be coming out of your pocket. How much money should you write down per day so that you won’t have to pay out of your pocket but you also wont be asking for more then you need.
Note: More then you need is anything over the guarenteed minimum, the guarenteed minimum means that although there could be scenarios where you pay less, this is the minimum you’d have to pay in the worst case.
Here is an example schedule:
|7am - 8am||8 - 9||9 - 10||10 - 11||11am - 1pm||2 - 3||3 - 4||4 - 6||7 - 8||8 - 9|
|1hr class||1hr||1hr||1hr||2 hour||1hr||1hr||2 hour||1hr||1hr| | finance |
https://thebackstagecentre.com/blog/autumn-statement/ | 2024-02-28T05:22:46 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474697.2/warc/CC-MAIN-20240228044414-20240228074414-00309.warc.gz | 0.933741 | 716 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__14871116 | en | BRITISH CERTIFICATION AND TAX RELIEF
In order to qualify for the UK’s creative sector tax reliefs, all films, animation and television programmes or video games must be certified as British through the cultural test or qualify as an official co-production to support the production of film and high-end TV across the UK, further, the government will provide £2.1 million of new funding next year for the British Film Commission and the British Film Institute Certification Unit. Furthermore, the government will review public investment in Research and Development spending for the creative industries to a Spending Review timeframe.
Find out how to qualify your film, high-end television programme, animation programme, children’s television programme or video game as British.
Funding information is also accessible via the links.
How do you qualify?
FILM: At the end of the day, your accountant and auditor will need to satisfy the Films (Certification) Regulations 2006 to accompany the application for Final Certification as a British film under Schedule 1 to the Films Act 1985. Read through the BFI’s guidance on the Cultural Test for Film.
ANIMATION: Likewise, there is a very helpful page for the Cultural Test for Animation.
Here at the Backstage Centre we look forward to working with our clients who can receive further incentives following the Autumn Statement. But, what about the details? And when do these initiatives go ‘live’?
The government has published a call for evidence on recent trends in the visual effects industry. This will inform the design of additional tax relief for expenditure on visual effects, which the government intends to deliver through the Audio-Visual Expenditure Credit (AVEC). The government intends to consult on the detailed policy design of further support and intends to implement changes to the expenditure credit from April 2025, which means we are some way away from the fine details.
This new approach will also see an extension of uplifted relief for animated television content to include animation films which will be eligible for a 5% uplift in relief under the Audio-Visual Expenditure Credit.
In summary, (we do like abbreviations….you won’t be disappointed!)
The audio-visual expenditure credit (AVEC) will replace the current film, high-end TV (HETV), animation and children’s TV tax reliefs, while the video games expenditure credit (VGEC) will replace video games tax relief (VGTR).
Under the current schemes, relief is given by way of an additional deduction from profits or surrendering a loss for the tax credit. Under AVEC and VGEC, companies will instead receive an above-the-line tax credit based on qualifying expenditures. This will be taxable at the main rate of corporation tax (CT). Whether there are further changes to CT we are yet to learn.
However, it should be noted that the Capital allowances ‘full expensing’ will be made permanent in the Autumn Finance Bill 2023, so that investments made by companies in qualifying plant and machinery, after 1 April 2026, will continue to qualify for a 100% first-year allowance for main rate assets, and a 50% first-year allowance for special rate (including long life) assets. Cars, assets for leasing and second-hand assets will be excluded from these 100% and 50% first-year allowances. At last, something for the likes of us providing the studio spaces.
The Autumn Statement can be read in full here. | finance |
https://aid.york.edu/Student/Logon.aspx?useStdLogin=true | 2023-10-04T16:31:55 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511386.54/warc/CC-MAIN-20231004152134-20231004182134-00002.warc.gz | 0.91929 | 225 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__44387699 | en | Online Financial Aid System
Welcome to the York University's Financial Aid portal. You can:
- View a list of documents we've received from you and a list of the documents still outstanding
- View your estimated financial aid awards
- Upon Completion of required documentation, accept the awards
- View your student loan history
- Check the status of your student loans for the current year.
If you have not previously logged in, click on the "First Time User" link in the "Log-In" sidebar.
You must have a financial aid record already established at York University in order to use this system. If you have not begun the financial aid application process, you can get started by completing online the Free Application for Federal Student Aid. Enter our school code, 002567, on your application and we will automatically receive a copy.
First Time Users
If you are new to this portal, click here to setup your account.
Returning students or anyone who already has access to both their PantherNet and York University Email accounts should go here to login. | finance |
http://www.jazzservices.org.uk/index.php/jazz-business-law/publishing-contracts | 2013-06-20T11:21:10 | s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368711441609/warc/CC-MAIN-20130516133721-00072-ip-10-60-113-184.ec2.internal.warc.gz | 0.964373 | 713 | CC-MAIN-2013-20 | webtext-fineweb__CC-MAIN-2013-20__0__59829369 | en | 1. Who is the publisher?
Research who the publisher is, remembering that publishing income is far more difficult to collect than record income. It is vitally important that your publisher is a reputable company able to continue paying income over many years.
2. How long is the contract for?
Do not enter into a publishing agreement for a period longer than five years. The terms of an agreement will need to be reconsidered every so often in view of the writer's success. If possible only enter into an agreement for a period of three years although this will in effect, be one year plus two one year options.
3. What sort of publishing advances can the songwriter or composer expect to be paid?
The advances should reflect an accurate estimate of the income due to the artist normally over the next 12 months. If an artist has secured an album deal it will be higher than if the artist had secured a singles deal. The publisher is effectively advancing the income that will be expected on royalty payments to the artist through the release of recorded material.
4. How much money will a publisher take in royalty income?
a)The royalties should be a fair and accurate split; the norm today is 75% for the writer and 25% for the publisher. Royalties split 50-50 is not acceptable and are a hangover from a less regulated era.
b) Understand fully how royalties are calculated at source it means that when £1 is earned throughout the world the writer receives 75p.
However, if royalties are calculated on a receipts basis and the publisher has entered into a 75/25 split with its sub-publisher (even if it is a company the publisher owns completely) then the songwriter will receive is 75% of 75% - that is 56.25p in the pound.
5. When will the writer get the full rights to her/his music back?
Consider the retentions. Songs last for the writer's life plus 70 years and it is very important that writers get their songs back at some point so that they can enter into new agreements and maximise potential income. Songs are a writer's pension. Many songs which seem to have no real value after their initial success come back years later and are of considerable value. A 10 to 15 year retention period is fair, some publishing companies require longer, but you should not agree to a life of a copyright deal.
6. What control does the writer have over her/his work?
Deal with creative controls in a publishing deal as you have in a record contract. You want to ensure that the writer's work is not altered, amended or modified without permission. Ensure sync licenses (the right to put the music on film, TV) are not granted without the writer's permission. Impose controls on the publisher to ensure they register each song in each territory in order to protect them.
7. How can an artist ensure the right to the debut performance of his/her own song?
Contractual controls make sure that the publisher abides by any control composition clause and requirements for the granting of sync licenses imposed by the record company and that the publisher will grant to the writer's own record company a first mechanical license without the writer's permission. This will ensure the writer always has his or her own work available to him/her.
8. Who keeps track of the money?
Deal with accounting provisions as per the record company – it is very important in publishing agreements that the source of all income is easily identifiable. | finance |
https://durhamworks.org/covid-19-unemployment-insurance-information/ | 2020-10-29T15:56:32 | s3://commoncrawl/crawl-data/CC-MAIN-2020-45/segments/1603107904834.82/warc/CC-MAIN-20201029154446-20201029184446-00123.warc.gz | 0.937641 | 793 | CC-MAIN-2020-45 | webtext-fineweb__CC-MAIN-2020-45__0__80202295 | en | COVID-19 has created an unprecedented demand for unemployment insurance benefits for employees. The North Carolina Division of Employment Security is the agency charged with administering both state and federal unemployment benefits. Below is information about how to apply for assistance, and for answers to other frequently asked questions.
Filing for Unemployment Insurance Benefits
The Division of Employment Security’s website is the fastest and most efficient way to file a new claim. Visit their site to create an account and begin the application process.
Federal Unemployment Assistance
The Division of Employment Security has received official guidance from the U.S. Department of Labor on how to implement the three unemployment programs of the federal CARES Act. The agency is now working to quickly modify theirnsystems to ensure people receive proper and accurate payments. Applicants due any benefits prior to the full implementation of these programs will be paid retroactively.
DES intends to implement the programs in the following order.
- Federal Pandemic Unemployment Compensation (FPUC): This program provides an additional $600 in weekly unemployment insurance benefits to eligible claimants. We are currently testing our system for this program and anticipate making the first payments by April 17, 2020.
- Pandemic Unemployment Assistance (PUA): This program provides unemployment compensation for individuals not eligible for regular unemployment insurance or any extensions to unemployment insurance. This will provide benefits to eligible self-employed workers and independent contractors. We anticipate the system will be ready to accept claims for this assistance around April 25, 2020.
- Pandemic Emergency Unemployment Compensation (PEUC): This program provides up to 13 additional weeks of benefits for those who have exhausted their state unemployment benefits. A definitive timeline for completing system updates for this program is not yet available.
Visit the North Carolina Employment Security Division’s Federal Unemployment Assistance page to learn more.
Frequently Asked Questions
The North Carolina Division of Employment Security has put together the following FAQ’s related to COVID-19 and insurance benefit changes.
Changes to Unemployment Insurance
On March 17 Governor Roy Cooper signed Executive Order 118, making unemployment insurance benefits more widely available. According to the Division of Employment Security, the following changes are now in effect for individuals eligible for benefits due to COVID-19:
Waiting Period. Normally, individuals do not receive payment for the first week of their claim for unemployment—this is the one-week waiting period. The one-week waiting period is waived for people filing as a direct result of COVID-19.
Note: After you file your claim, your last employer is given, by law, 10 days to respond to DES about your claim. No payment will be released until after this 10-day period. If there are no issues with a claim, individuals typically receive payment within about 14 days of filing their initial claim.
Work Search Requirements. Executive Order 118 allows some requirements to be waived for people filing for unemployment due to COVID-19. If you are filing due to COVID-19, you may answer ‘yes’ to the following question on the Weekly Certification: ‘Did you look for work?’
Note: Requirements for performing a work search and being able and available for work are still in effect for individuals filing for unemployment due to reasons other than COVID-19.
No charges will be assessed to an employer’s account for any benefits paid as a direct result of COVID-19.
NC Works Career Center
The NC Works Career Center in Durham is currently closed to the public. However, residents can still access resources virtually. To access those resources, please visit their website.
Please note that office closures do not affect access to NCWorks Online. Job Applicants can continue to receive Job Search services and create resumes. Employers can still receive Recruitment Services. Should your local NCWorks Career Center close, most services can still be accomplished online.
Visit NCWorks Online. | finance |
https://www.windycitystairlifts.com/financing/ | 2023-06-08T12:42:29 | s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224654871.97/warc/CC-MAIN-20230608103815-20230608133815-00608.warc.gz | 0.934004 | 378 | CC-MAIN-2023-23 | webtext-fineweb__CC-MAIN-2023-23__0__40759652 | en | Stay in the home you love with one of our many financing options!
Financing for Stairlifts, Straight Stairlifts, and Curved Starlifts in Chicago, Arlington Heights, Aurora, Barrington, Buffalo Grove, Champaign, Highland Park, and Joliet, IL
A stairlift is a major home purchase. Like a furnace or an air conditioner, it’s a purchase you want to get right the first time. Windy City Stairlifts offers several types of payment options and financing. We accept cash, check, and all major credit cards.
DCU Access Loans (Digital Federal Credit Union)
Access Loans are for any product, device, or building modification designed to assist someone with a disability. The borrower need not be the beneficiary of the purchase.
CareCredit helps you pay for out-of-pocket healthcare expenses for you, your family, and even your pets! Once you are approved, you can use it again and again to help manage health, wellness and beauty costs not covered by insurance.
Apply for Care Credit through our parent company Access Elevator:
The Federal Savings Bank
The Federal Savings Bank has low-cost loans available for home modifications, repairs, and improvements.
Blue Cross Blue Shield (IL)
Health Care Coverage You Can Depend On. Check BCBSIL.COM for affordable health care plans and coverage, that may cover some or all of your stairlift purchase.
Medicaid Waiver Programs
What is an HCBS Waiver?
A waiver is a program that provides services that allow individuals to remain in their own homes or live in a community setting, instead of in an institution. Illinois has nine HCBS waivers. Each waiver is designed for individuals with similar needs and offers a different set of services. | finance |
https://family.co/faqs | 2024-04-23T02:09:17 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818452.78/warc/CC-MAIN-20240423002028-20240423032028-00146.warc.gz | 0.953393 | 637 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__84946495 | en | Last Updated May 2023
Is Family safe?
Yes, Family is safe. Your private keys are encrypted and stored locally on your device. This means that only you have access to your credentials and, consequently, your wallet and its assets. In addition, we employ several other security measures including requiring 2FA via biometrics for sensitive actions, such as signing transactions.
Who controls my wallet keys?
You have full control over your wallet keys. This means that the private keys, which grant access to your wallet, are stored on your device and not on a central server. You are the only one who has access to these keys, giving you complete control and responsibility over your assets. This is the main distinction between self-custody wallets and custodial wallets, where the private keys are held by a third party. Remember, it's crucial to securely store and never share your private keys or secret recovery phrase, as anyone with access to these can access your funds.
Can I switch from another wallet?
Yes, you can easily switch from another wallet to Family. If you're using a non-custodial wallet such as Trust Wallet or Rainbow and want to keep your current wallet addresses, you can import your existing wallet into Family by using your secret recovery phrase or private key.
Can I trade crypto within the wallet?
Absolutely, Family features a built-in decentralised exchange that allows you to trade between different tokens without having to leave the app. This function provides a seamless trading experience, enabling you to manage and diversify your crypto portfolio all from within our wallet. To trade, navigate to the ‘Swap’ section in the app, select the tokens you wish to trade from and to, input the amount, and confirm the transaction. The traded amount will then reflect in your wallet balance.
Are there any fees associated with the wallet?
Family does not charge any additional fees for using the wallet. However, standard network fees still apply. These fees are not collected by Family, but rather are integral to the Ethereum network, acting as compensation for validators who process and validate transactions. The specific transaction fee can vary depending on the intended transaction and the current network congestion.
If Family ever stopped existing, would I lose access to my wallet?
Nope, you would still be able to access your wallet and all of its assets and transaction history. This is because Family is a self-custody wallet, meaning you are in full control of your wallet keys rather than us. You can think of Family as a helpful visual interface to assist you in managing your Ethereum wallet. Your wallet itself exists on the Ethereum blockchain, which is fully decentralised and not going anywhere. As long as you keep your secret recovery phrase or private keys backed up safely, you’ll always be able to keep using your wallet with any other self-custody wallet app or interface, even if Family ceased to exist.
Does Family support L2s?
Yes, Family supports L2s such as Optimism, Base, Arbitrum, and Polygon, with more to come. | finance |
https://www.veeder.com/us/veeder-root-and-nov-announce-forecourt-site-equipment-financing-bundle-program | 2024-04-19T06:49:58 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817289.27/warc/CC-MAIN-20240419043820-20240419073820-00256.warc.gz | 0.895016 | 1,054 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__55532713 | en | Simsbury, CT, October 3, 2023 – Veeder-Root, a worldwide leader in fuel management and environmental systems technology, in collaboration with NOV (NYSE: NOV), a global manufacturer for the energy industry, announced today their partnership to make forecourt equipment more accessible. Site owners and operators can purchase their complete forecourt site equipment leveraging Patriot Capital rates with the Veeder-Root and NOV financing bundle program. This bundle is designed to support customers with single wall tanks, or site owners and operators who need to upgrade their existing equipment.
To make the rapidly evolving fueling landscape more accessible and affordable, this bundle provides 100% financing opportunities up to $350,000, offers fixed payments, and can save end-customers upwards of $59,402 in interest costs. To combat interest rates that are at a 20 year high, this financing bundle program offers two financing options, 4.9% for 60 months and 5.49% for 72 months*.
The tank replacement financing bundle program includes purchasing the following, among other eligible products:
• Fiber Glass Systems’ Containment Solutions Tank (NOV)
• Fiber Glass Systems’ Piping (NOV)
• TLS-450PLUS and TLS4 Series Automatic Tank Gauges (Veeder-Root)
• Red Jacket® Submersible Turbine Pumps (Veeder-Root)
“We're excited to bring together two industry leading providers of forecourt equipment to provide more accessible rates to site owners and operators who need to undergo tank replacement projects,” said Lindsay Neubecker, Director of ATG & Vapor Product Platforms for Veeder-Root. “Together, we're revolutionizing accessibility in the fuel handling industry and continuing our commitments to excellence by helping our customers thrive in today's dynamic fueling environment.”
"We are thrilled to partner with Veeder-Root and provide this innovative financing solution to our customers," said Juan Carlos Marroquin, Senior Vice President of Sales and Marketing at NOV's Fiber Glass Systems business unit. "By merging the product portfolios of two industry leaders and offering unparalleled financing options, we can now offer operators an unbeatable value proposition. This collaboration truly removes barriers for those looking to upgrade their infrastructure."
Veeder-Root and NOV are exhibiting at the 2023 NACS Show in Atlanta, GA from October 4-6, where they are excited to begin discussing this program with all in attendance. The Veeder-Root team can be found in booth B4031, and the NOV team can be found in booth B5049 at the show.
Proven solutions. Powerful partnership. Bundling the products you need at the industry’s best rate. Veeder-Root and NOV are happy to offer the strongest financial options in the industry to complete your project. For more information about this financing program and to explore the options available, please contact Patriot Capital at patriotcapitalcorp.com/contact-us/application or +1.877.527.0383.
Veeder-Root is a leading global supplier of fuel management and environmental solutions with a tradition of excellence in the petroleum industry. Our portfolio of market-leading products includes: Veeder-Root Automatic Tank Gauges, probes and sensors, Red Jacket® submersible pumps and pressurized line leak detectors, HydrX™ Fuel Conditioning System, EMR meter registers, and stage II vapor recovery solutions. Our products improve profitability and abate risk for customers by delivering solutions to manage onsite operations, compliance reporting, fuel procurement, inventory reconciliation, and accounting processes. Veeder-Root products and services are installed in over 500,000 tanks globally and are responsible for 22 billion gallons of gasoline and diesel fuel annually. To find out more about Veeder-Root, visit veeder.com.
NOV delivers technology-driven solutions to empower the global energy industry. For more than 150 years, NOV has pioneered innovations that enable its customers to safely produce abundant energy while minimizing environmental impact. The energy industry depends on NOV’s deep expertise and technology to continually improve oilfield operations and assist in efforts to advance the energy transition towards a more sustainable future. NOV powers the industry that powers the world. Visit nov.com for more information.
Veeder-Root Media Contact:
Director, ATG & Vapor Product Platforms Veeder-Root
Phone: (W) +1.860.651.2787
NOV Media Contact:
VP Sales, Fuel Handling
Phone: (W) +1.860.306.0530
* The term of financing will be based on current market rates and borrower credit quality. Shipping, installation, taxes, and soft costs are not eligible for the promotional incentive but may be financed at a higher rate at Patriot’s discretion. | finance |
https://amazondisasterrelieffund.com/ | 2022-07-01T11:39:48 | s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103940327.51/warc/CC-MAIN-20220701095156-20220701125156-00657.warc.gz | 0.940729 | 269 | CC-MAIN-2022-27 | webtext-fineweb__CC-MAIN-2022-27__0__249232566 | en | The purpose of the Amazon Disaster Relief Fund is to help Amazon employees and partners impacted by a designated natural disaster. The fund will offer eligible Amazon employees and partners in need of immediate financial assistance tax-free grants (US) administered by a third-party, Emergency Assistance Foundation (EAF). Specifically, the fund provides assistance to eligible applicants up to $3,000 through a one-time grant for expenses related to temporary housing, temporary transportation, vehicular repair, replacement of essential appliances, as well as immediate needs such as food and clothing. EAF is a 501(c)(3) tax-exempt, public, non-profit organization and makes the final determination on all applications. The Fund relies on support from the sponsoring organization, Amazon.
If you are experiencing hardship due to a designated natural disaster, you can apply for a grant. Please read the Application FAQ to see if you qualify.
Emergency Assistance Foundation independently administers all Fund activities and assists applicants with their grant applications when needed. The sponsoring organization, Amazon, has no visibility into individual applications or grants unless an applicant opts in to share certain details under specific circumstances.
Emergency Assistance Foundation is here to help during difficult times. Please click the “Community Resources” button for links to local resources, disaster preparedness education, financial learning tools, and more. | finance |
https://newsbasics.com/business/investing/jpmorgan-chase-ceo-jamie-dimon-says-trump-doesnt-understand-the-debt-ceiling/ | 2024-03-01T02:09:17 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474893.90/warc/CC-MAIN-20240229234355-20240301024355-00229.warc.gz | 0.96519 | 1,117 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__149790428 | en | JPMorgan Chase CEO Jamie Dimon sharply criticized former President Donald Trump on Thursday, saying the 2024 presidential candidate doesn’t understand the debt ceiling and what is at stake. It is just “one more thing he doesn’t know very much about,” Dimon told Bloomberg Television.
Trump said in a CNN town hall Wednesday night that a default would be preferable to a result that doesn’t stop the government “spending money like drunken sailors.”
Economists and congressional leaders on both sides of the aisle say an extended default would hurt the US economy, triggering widespread unemployment, surging interest rates and sparking a global downturn.
Defaulting on the US debt would be “potentially catastrophic,” Dimon said Thursday.
“The closer you get to it, you will have panic. Markets will get volatile, maybe the stock market will go down, the Treasury markets will have their own problems,” he said. “This is not good.”
Dimon also expressed concerns that US creditworthiness could be downgraded, as it was during the 2011 debt limit crisis.
Dimon told Bloomberg he has been hunkering down in a so-called “war room” once a week in order to prepare JPMorgan Chase, the largest bank in the United States, for the possibility of a debt default.
As the June 1 ‘X-date’ approaches — when the US Treasury could run out of cash and extraordinary measures to pay all government obligations — Dimon said he will convene his war room more often. By May 21, he expects to meet every day.
He added that while he’s respectful both of Republicans and Democrats during ongoing negotiations, he’d “love to get rid of the debt ceiling thing” altogether.
The whole debt ceiling situation “is very unfortunate,” he added. “It should never happen this way.”
On the whole, Dimon said he doesn’t feel confident about what the second half of 2023 holds for the US economy.
American consumers still have excess money in their bank accounts, he said, but they’re quickly spending it down and “the bite of that is going to happen later this year.”
By that time, he added, the full impact of the Federal Reserve’s tightening regimen could be felt by the economy.
“I think it’s reasonable to say that those two things are coming to fruition maybe towards the end of the year,” he said.
Given the risks, “I would take a mild recession happily,” he said.
He also reiterated that he is far more concerned about the toll the geopolitical climate could take on the US economy.
“Ukraine, trade, Russia and our relationship with China” top his list of worries, he told Bloomberg.
In April, he told CNN’s Poppy Harlow that the war in Ukraine was “the most important thing.”
Those rising tensions abroad are “changing everything we think about in the world” from safety and security to food and energy, he said. “It’s changing economic relationships, it’s roiling the relationship with us and China.”
Dimon also told Bloomberg he has met with the leadership of embattled US regional banks every day for the last week.
“We need to finish the bank crisis,” he said. “We’ve had uncertain policy on mergers,” he said “and I think we have to assume there will be a little bit more.”
Last week, JPMorgan acquired the majority of First Republic after the bank’s collapse into receivership.
First Republic was the third-largest US bank to fail and came just over a month after the collapse of Silicon Valley Bank and Signature Bank set off concerns about the health of the financial sector.
Still, in a bit of good news, he said mid-size banks’ fundamentals are strong.
“They’re quite worried because of the run on deposits, but their financial results are good,” said Dimon. “They’re going to be okay next quarter: They’re earning money, they’ve got very good clientele, very diversified.”
The Biden administration has recently pointed fingers at short-sellers who bet against the banks and profited when they fell.
White House Press Secretary Karine Jean-Pierre told reporters during a press briefing last week that the administration is “going to closely monitor the market developments, including the short-selling pressures…on healthy banks.”
Securities and Exchange Commission Chair Gary Gensler said in a statement that his agency is focused on finding “any form of misconduct” that threatens investors and capital markets.
Dimon said on Thursday that the SEC has the enforcement capability to look at “what people are doing, by name, in options, derivatives and short sales.”
If someone is doing something wrong like colluding or tweeting about a bank after short-selling its stock, the SEC “should go after them, and vigorously,” said Dimon. “They should be punished to the full extent that the law allows it.”
Read the full article here | finance |
http://saudiethraa.com/en/ | 2021-03-06T10:58:45 | s3://commoncrawl/crawl-data/CC-MAIN-2021-10/segments/1614178374686.69/warc/CC-MAIN-20210306100836-20210306130836-00414.warc.gz | 0.944523 | 338 | CC-MAIN-2021-10 | webtext-fineweb__CC-MAIN-2021-10__0__131504620 | en | Saudi Ethraa Financial Advisory is a Saudi consulting firm based in Jeddah. It aims to support and assist corporates and SMEs to achieve their strategic targets through developing strategic planning and financial projection along with the appropriate financing mix that meet their needs.
Business Valuation (Accredtied by Taqeem)
Saudi Ethraa has the experiene, and trusted name you can rely on to meet your organization’s valuation needs. Our professionals (who are members of Saudi Authority for accredited Valuers – Taqeem) provide a wide range of serves including valuing entire businesses, subsidiaries, joint ventures, mergers and aquistions etc.
Saudi Ethraa aims to assist corporates and SMEs to achieve their strategic targets through facilitating proper financing agreements from various investors and lenders.
Strategic and Business Advisory
Saudi Ethraa assists its clients to develop corporate strategy to maximize profitability and grow businesses. Along with the client management, we develop strategic planning, feasibility studies, financial projections and business plans to help the client achieve its targets and grow their business.
Some companies face financial instability in their financial position, at Saudi Ethraa and through collaboration with the client management, we can assist the client to diagnose and identify the issues at earlier stage and develop appropriate solutions that create win-win situation for all stakeholders.
In view of the new imposed Value-Added Tax regulation by the General Authority of Zakat amd Tax in Saudi Arabia starting from 1 January 2018, we assist entities to comply with VAT regulations through identfying companies structure and operations and ensure these operations are properly refelted in the client’s systems and reports. | finance |
https://www.santaclarachamber.com/elections.html | 2019-07-20T11:49:54 | s3://commoncrawl/crawl-data/CC-MAIN-2019-30/segments/1563195526508.29/warc/CC-MAIN-20190720111631-20190720133631-00414.warc.gz | 0.940479 | 160 | CC-MAIN-2019-30 | webtext-fineweb__CC-MAIN-2019-30__0__93248079 | en | Each election cycle there are bills that have both long- and short-term consequences for business. With the current economic climate in California, it is important for business and residents to focus on how our state can improve the economy by creating jobs and supporting the industry that is in our state, before businesses are either forced to downsize or leave our state for other more business-friendly locations. With this in mind, the Board of Directors for the Santa Clara Chamber of Commerce will be reviewing measures and propositions for their impact on business, and encourages you to vote on November 1. Please check back here to see the Chamber's recommendations for the measures and proposals on this year's ballot.
For additional information on the Santa Clara Chamber of Commerce positions, please call us at (408) 244-8244. | finance |
http://shishkarev.ru/en/news/russian-railways-sold-transcontainer-at-the-price-twice-as-high-as-the-starting-price/ | 2020-07-13T01:48:00 | s3://commoncrawl/crawl-data/CC-MAIN-2020-29/segments/1593657140746.69/warc/CC-MAIN-20200713002400-20200713032400-00068.warc.gz | 0.96488 | 1,322 | CC-MAIN-2020-29 | webtext-fineweb__CC-MAIN-2020-29__0__134318304 | en | Russian Railways sold TransContainer at the price twice as high as the starting price. The companies of Abramovich and Lisin took part in the auction, but Sergey Shishkarev's Delo Group won.
In Moscow on November 27, the auction for the sale of 50% plus 2 shares in TransContainer (6.95 million shares) held by United Transport and Logistics Company, a subsidiary of Russian Railways, took place. Delo-Center, a member of Sergey Shishkarev's Delo Group, won the auction. It had offered 60.3 billion rubles for the stake, while the starting price had been 36.16 billion rubles, the organizers of the auction told VTB Capital.
The first step of the auction amounted to 141 million rubles; other steps amounted to 200 million rubles. The bidding was very intense and lasted for about 40 minutes, judging by the final price, over 120 steps were made. Three companies fought for the asset. Besides Delo Group, there were Yenisey Capital controlled by joint owners of Evraz Roman Abramovich and Alexander Abarmov, and Freight One controlled by Vladimir Lisin. Yenisey Capital already holds 24.74% in TransContainer.
Freight One was the first to quit the bidding, it was followed by Yenisey Capital, says a person close to one of the bidding participants. A representative of Freight One did not specify the sum after which the company stopped bidding.
Not everyone could apply for the participation in the auction. A bidder was required to have at least 5,000 freight wagons or a container terminal (terminals) with the aggregate processing capacity of at least 50,000 containers (20-foot equivalent units). Or a 20% stake in TransContainer. Companies having foreign co-owners (with a stake exceeding 25%) and state ownership (with a stake exceeding 30%), and businesses specializing in maritime shipping (over 50% of proceeds) were not admitted to the auction. Bidders also had to make a deposit of 10% of the starting price amounting to 3.6 billion rubles.
TransContainer is Russia's largest operator of container shipping. The company has a network of 60 terminals in Russia, Kazakhstan and Slovakia, and a fleet of 27,819 flatcars and 74,118 containers.
Shares of TransContainer are listed on Moscow exchange. From August 7, when the auction conditions were announced, they rose in price by 25.3% from 6,995 rubles per share to 8,765 rubles per share on November 27 at 02:25 pm Moscow time (the auction started at 03:00 pm). The price of the shares was just a little higher than the price at which Delo Group bought them at the auction.
Who is Shishkarev and what is Delo Group
Shishkarev established and became the CEO of the transport and logistics holding Delo in 1993. From 1999 he was a deputy of the State Duma for several consecutive convocations, from 2009 until 2014 he chaired the transport committee. In 2014 he became the president of Delo Group once again.
For many years the business of Dela Group has been focused in Novorossiysk, where the group holds containers and grain terminals. In 2018 Delo Group bought 30.75% of shares in Global Ports, Russia's largest port container operator with assets in the North-Western and Far-Eastern basins for 250 million USD.
Russian Railways is planning to close the deal for the sale of the stake in TransContainer by the end of 2019. However, the potential expenses of the winner will be even more. It will have to make an offer to other shareholders. In theory, Delo Group may spend about 60 billion rubles more, should all the co-owners of TransContainer accept the offer. Besides Yenisey Capital, a big minority shareholder of TransContainer is VTB, holding a stake of 24.84%.
Earlier Shishkarev explained that apart from the company's own funds (25-30%), he planned to raise funds from Sberbank to finance the deal. Sberbank's press service confirmed on November 27: the bank will finance this deal. According to Prime Agency, the businessman said that Delo Group would suggest VTB remain a shareholder of TransContainer, and make an offer to other shareholders. A representative of VTB did not comment on this.
The auction results are an "enormous success" both for the seller and for the buyer, General Director of Infoline-analytics Mikhail Burmistrov notes. "The price of the asset surpassed the wildlest expectations," he adds. "The presence in the three basins and the majority share in the leading Russian container shipping operator will enable Delo Group to become a national logistics transport integrator," the company's report runs. Delo Group has two terminals in Novorossiysk, including a container terminal, and experience in container shipping, reminds Igor Smirnov, director of corporate and sovereign ratings at Expert RA. The wagon shipping market is stagnating, and container shipping increases by 15-20% each year, Smirnov clarifies the increased interest in TransContainer.
Nevertheless, Delo Group has not paid such a colossal price for TransContainer. Based on the auction the value of the company is estimated at 120.6 billion rubles. EBITDA for the year ended on September 30 amounted to 20.5 billion rubles, points out Smirnov. The company is estimated as EBITDA times 5.9. Dela Group will not face difficulties while making up for its expenses, Burmistrov and Smirnov believe. This can be achieved through an offering on an exchange or sale of the stake, including Delo itself, to a strategic or financial investor.
A representative of Yenisey Capital did not comment on the auction results. A decision on further steps would be made after the offer, in which the company was planning to participate, he said. The shares in TransContainer had been acquired by the company at a price 70% lower than the price at which they were acquired by Delo Group, states Smirnov. We believe that the final price of this asset is not economically feasible, that's why we quitted the bidding," a representative of Freight One told RBC.
Source – Vedomosti dated 28.11.2019 . | finance |
https://bier-expert.dewww.helpmefind.com/gardening/donations.php | 2024-04-14T14:37:02 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816879.72/warc/CC-MAIN-20240414130604-20240414160604-00534.warc.gz | 0.956467 | 270 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__23386907 | en | HelpMeFind is a member-community funded website; your financial support ensures it will continue to grow and thrive. If you value HelpMeFind and appreciate not being subject to constant advertising please donate to show your support.
HMF was founded in 1997 to provide a commercially impartial tool to collect, organize and present rose information. Our mission is to bring gardeners from around the world together by providing a tool to share their insight and experience. We have barely scratched the surface of HelpMeFind's potential. Our "To-Do" list of enhancements is continuously growing with our own ideas as well as your suggestions. We are also constantly refining our website to (hopefully) make it easier to use.
Unlike most websites, HelpMeFind is not a commercially-driven, thinly disguised marketing tool and that makes funding a challenge. HelpMeFind funding is supplemented with subscription fees from some of the commercial organizations featured on the website but this sponsor pricing is modest to avoid dependence on individual companies and potentially allowing them to influence our website's content, direction or policies. We need YOUR support.
Donations of any amount are appreciated but if you can donate $24 or more we thank you with a one-year premium membership upgrade. To take advantage of this offer, please be sure to register BEFORE you make your donation. | finance |
https://liftofffincomm.com/principal/ | 2019-08-24T16:44:35 | s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027321160.93/warc/CC-MAIN-20190824152236-20190824174236-00474.warc.gz | 0.925017 | 407 | CC-MAIN-2019-35 | webtext-fineweb__CC-MAIN-2019-35__0__182362223 | en | Jonathan Mairs is an experienced, results-oriented, and well-rounded communications professional.
Most recently, Jonathan was Head of Investor Relations and Financial Communications at KCG Holdings, Inc. (NYSE: KCG), the largest market maker in U.S. equities and ETFs on Wall Street. KCG was acquired by Virtu Financial, Inc. (NASDAQ: VIRT) in mid 2017 at a 45 percent premium to the pre-offer stock price. At KCG forerunner Knight Capital Group, Inc., he served in a dual capacity as Managing Director of Corporate Communications and Investor Relations.
Earlier, he spent more than a decade at leading public relations agencies Ogilvy, Ruder Finn and Edelman. In that time, he served financial sector clients including:
• Wells Fargo (online brokerage, investment advisors, private banking)
• CFA Institute
• Saybrook Capital
• Bank of America (research, sales and trading, investment banking)
• Donaldson, Lufkin & Jenrette (asset management, online brokerage)
• Standard & Poor’s
• Charlesbank Capital Partners
• Citibank (consumer banking, private banking, corporate banking)
In addition, Jonathan worked on more than 25 M&A and IPO assignments across sectors and underwent Ogilvy brand training, encompassing research, creative and planning. He started his career at storied ad agency Wells Rich Greene, the first NYSE-listed company led by a female CEO.
He is a member of the American Association of Individual Investors (AAII), Financial Communications Society (FCS), and National Investor Relations Institute (NIRI). He is a past recipient of the Gold Sabre for best corporate image campaign, PRSA Bronze Anvil for best financial services media relations, and Gold FCS Portfolio Award for best annual report.
Jonathan earned a bachelor of arts in English writing from Saint Lawrence University and a master of arts in psychology from the University of Santa Monica. | finance |
http://www.keepinsurancecompetitive.com/news-and-resources/ | 2015-05-30T04:04:13 | s3://commoncrawl/crawl-data/CC-MAIN-2015-22/segments/1432207930895.88/warc/CC-MAIN-20150521113210-00233-ip-10-180-206-219.ec2.internal.warc.gz | 0.966458 | 289 | CC-MAIN-2015-22 | webtext-fineweb__CC-MAIN-2015-22__0__163026642 | en | US President Obama’s reinsurance tax proposals could damage the US economy, according to a study by Arthur Laffer, a former member of Reagan’s economic policy advisory board. According to the report, which was published by the Laffer Centre, attempts to deny a tax reduction for certain reinsurance premiums paid to foreign-based affiliates by domestic insurers would result in economic damage to consumers and businesses by raising the cost of their insurance.
A proposal in President Barack Obama’s FY 2016 budget seeks to deny a tax deduction for reinsurance premiums paid to foreign affiliates by domestic insurers. The proposal closely resembles legislation introduced in Congresses by US Representatives Richard Neal (D-MA) and Bill Pascrell (D-NJ) and Senator Robert Menendez (D-NJ) that would drastically raise insurance rates across the country. The President’s budget proposal and the Neal-Pascrell-Menendez legislation would impose an unnecessary and costly tariff on the companies that help spread insurance risks globally. This ability to spread risk has been especially beneficial for consumers and businesses in areas subject to hurricanes, earthquakes, crop failures and other forms of disaster.
More than 100 independent experts, state government officials, business owners, and associations have publicly filed opposition letters to these tax proposals. Additionally, two economic research firms, the Tax Foundation and the Brattle Group, have published independent studies pointing out the potential economic consequences of the proposals. | finance |
https://www.torchenter.com/post/nft-in-video-games | 2024-02-21T06:02:49 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473370.18/warc/CC-MAIN-20240221034447-20240221064447-00086.warc.gz | 0.977729 | 797 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__166057360 | en | NFT gaming is one of 2022's biggest new NFT trends, and it will be hard for developers and publishers to ignore.
NFT stands for Non-Fungible Token. It is a digital certificate of authenticity created thanks to a blockchain, the one of Ethereum (which is also a cryptocurrency). NFTs are said to be "non-fungible", as they cannot be replaced by anything else, they remain unique. This makes them different from other crypto-currencies such as Bitcoin, for example, because one Bitcoin can be exchanged for another, its value remains the same.
To summarize, an NFT is a unique code attached to any digitally available "thing". It can be a photo, an audio track, a text, ... Its certificate of ownership is stored on the blockchain.
Today, we hear mostly about NFT with pictures. Artists have created NFT images (jpg, for example) to resell them on the market. Owning one of these NFTs makes the owner the only official owner of the image. In concrete terms, this could be similar to the release of a collector's edition of a vinyl record, numbered and signed by an artist. The quantity of vinyl edited and pressed is limited and the authenticity of this one is identifiable thanks to the signature of the artist as well as by its edition number.
What's the point of NFTs in the video game world? It is said that everything that is rare is expensive. Some people are willing to pay a lot of money to get a rare or even unique item, sometimes with the intention of selling it for more. For now, NFTs don't seem to be a big advancement in the world of video games, since microtransactions, Season Pass and other DLCs have already been offering digital content for a fee for a long time. But now imagine that a very famous player manages to complete a difficult quest in front of millions of viewers on Twitch. Proud of his achievement, he could very well decide at the end of his quest to sell the sword he used during his journey. More than a simple skin, we can imagine how much some people would be willing to spend to play with the very sword he used to defeat this particular monster.
The entrance of NFTs in video games could lead to a big change in consumer habits. For example, it would allow a player to buy a unique outfit for his character in a multiplayer game, of which he would be the exclusive owner, and potentially allow him to sell it later, once again in the form of an NFT, at a higher or lower price. The player would therefore inject real money into the game to benefit from a volatile service without being able to really measure its future resale price. It's a bit like playing a stock market but within a video game. In any case, the developer and producer of the game would receive a percentage of the transaction, regardless of the amount of the resale.
Several developers have already announced that they want to create NFTs like Ubisoft or GSC Game World and its game S.T.A.L.K.E.R. 2. Ubisoft also announced a few months ago the introduction of a platform called Quartz. A platform of NFT which will be named Digits and which for the moment can be used for Ghost Recon Breakpoint.
However, this evolution is far from being unanimously approved by gamers and the various video game actors. Phil Spencer, Xbox boss, spoke about this last November
“What I can tell you today about NFT is that I think there's a lot of speculation and experimentation going on with this technology, and some of the stuff I see today is more exploitation than entertainment [...] I think anything we see in our catalog that we consider exploitation would be something we would act on immediately. We just don't want to see that kind of content in our home.” | finance |
http://ebhagnaris.blogspot.com/2009/12/written-by-amrit-mehta-toronto-canada.html | 2019-01-21T09:15:19 | s3://commoncrawl/crawl-data/CC-MAIN-2019-04/segments/1547583771929.47/warc/CC-MAIN-20190121090642-20190121112642-00604.warc.gz | 0.973334 | 785 | CC-MAIN-2019-04 | webtext-fineweb__CC-MAIN-2019-04__0__211751283 | en | Global markets are overreacting to Dubai World's 'delay' in debt repayment
There is nothing understated about Dubai as I learned during a recent visit. It is hard not to be impressed by the ambition and audacity of this growing city. During the last decade or so, Dubai has embarked on large scale real estate development projects that led to the construction of some of the tallest skyscrapers and largest projects in the world such as the Emirates Towers, the Burj Dubai, the Palm Islands and the world's second tallest, and most expensive hotel, the Burj Al Arab. So how did a city of 1.4 million people with a GDP of roughly $40 billion manage to fund these ambitious projects?
To understand how, one has to think about Dubai as a highly leveraged private equity firm. Dubai has very little oil resources of its own, and under the tutelage of its ruler cum CEO, Sheikh Mohamed, it pursued a bold investment-fueled growth strategy focused on tourism, real estate and financial services. During a four-year construction boom, Dubai borrowed $80 billion, or almost 200% of GDP, to fund outlandish projects that transformed the sheikhdom into a regional tourism and financial hub. At one time it was rumored that Dubai had 25% of the world's cranes, quite a feat for a city that was home to 0.02% of the world's population. Dubai's motto was simple: 'Build, and they will come'. Global capital markets were awash with credit pre-Lehman, and Dubai borrowed heavily on generous terms to fund its expansion. Debt service costs were low, and the high growth/high debt, leveraged private equity model worked perfectly.
Post-Lehman, this house of cards built primarily on investor sentiment came crashing down. It is estimated that property prices have fallen almost 50% in Dubai since then. Quite simply, buyers turned into sellers as panic spread through the financial system, exposing Dubai's glut of over-supply. People who bought several properties as investments with the hope of flipping homes at a profit, suddenly found that their mortgages/liabilities far exceeded the value of the homes they owned (sound familiar?). The cycle of borrow-build-sell-build was thwarted, and a sharp drop in revenues resulted in Dubai's high debt levels becoming an albatross.
Clearly, global markets have overreacted to Dubai's inability to make a debt repayment of $3.5 billion due December 14th. Some believe this could be the largest government default since the Argentine debt restructuring in 2001, while others point to contagion given the exposure of global banks to Dubai's debts. There are also fears of similar 'surprises' emanating from different parts of the world.
The facts would suggest that these fears are unfounded. To begin with, Dubai's problems are unique and its scale of potential defaults very small compared to the $1.7 trillion of global write-downs absorbed by banks due to the global financial crisis. To be sure, Dubai has several prized assets and can sell them to fund debt repayments but it is loth to do so. Besides, Abu Dhabi, the capital city of UAE and Dubai's nemesis, has one of the world's richest sovereign wealth funds with over $600 billion in assets and will not risk a Dubai default. It is most likely going to end up being Dubai's savior, but is currently engaged in a high stakes game of chicken with Dubai's ruler. It will ultimately lend Dubai the money to repay creditors but on its own terms. It will either take large ownership stakes in key Dubai assets & corporations and/or demand a much higher say in running Dubai's affairs. Either way, debts will be repaid and global traders will regain their sanity.
Drunken stupors often lead to prolonged hangovers. This is no different! | finance |
http://longtermloansanytime.co.uk/ | 2017-04-25T10:37:21 | s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917120338.97/warc/CC-MAIN-20170423031200-00320-ip-10-145-167-34.ec2.internal.warc.gz | 0.946005 | 878 | CC-MAIN-2017-17 | webtext-fineweb__CC-MAIN-2017-17__0__112985845 | en | Welcome to Long Term Loans Anytime
REPRESENTATIVE APR 1261%*
Amount of credit £200 borrowed for 28 days. Interest: £40.20 Interest rate: 262% per annum (fixed). Representative APR: 1261% Total amount payable: £240.20
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.
Carefully consider whether a loan is right for your individual financial situation. Depending on the amount borrowed and the duration of the loan you may find that borrowing of this type is an expensive form of credit and not appropriate for much longer term borrowing or if you are in financial difficulty. All loan applications are subject to status, terms and conditions and to satisfactory passage of checks on creditworthiness and affordability.
A long term payday loan provides cash to the borrowers for a pretty long period of time. These funds are ideal for the people looking for instant financial help of up to 1,000 pounds with easy and stretched out repayment facility. The most noticeable feature of the long term loans is their availability for all the qualified UK residents, including the bad creditors. Our website is an ultimate medium for availing these credits through an easy to follow system. So if you have any liabilities like pending bills or are keen to buy an expensive item, you can always expand your finances by borrowing money online. We offer a simple procedure where you can get the needed cash fast after submitting an e-form. Our online loan application is short and free of cost. By filling and submitting it, you get instant access to many competitive loan deals brought to you by our associated lenders.
Enjoy Extended Repayment Period
This is the most favourable feature of our long period cash borrowing schemes. Unlike other payday advances, these funds don’t have to be repaid in a short duration. You can opt for easy instalments that suit your income and lifestyle structure for paying back the leaned cash. Longer repayment period ensures more comfort in paying the amount through easy weekly, monthly or as suitable.
Freedom from Hurdles of Bad Credit
Low credit scores or any other bad credit records do not hinder the approval of long term loans for 12 months or more. So even if you have CCJs, defaults or late payments etc, you need not worry. Our moneylenders will not perform any credit checks to grant you quick cash but only evaluate your present earning capacity to do so. This is a really good opportunity for the bad creditors to improve their current scores as well.
How to Apply?
This is the very first question that arises when you realise the need of a payday advance. We have shortened the lengthy procedure for your convenience and made it very easy. As an applicant, you just have to fill in the loan application form with some accurate details – your age, residential status, employment information and bank account particulars. This free online application form is the most important thing to apply for a paycheque advance through us. Hence take care to fill in all the details carefully and truthfully.
Same Day Quick Cash
We offer same day cash arrangements from the top UK lenders through application analysis. Our moneylenders process your personal data (as filled by you in the application form) and make instant decision on your request. The fast processing and approval process makes sure that you have cash in your hands fast. Our long term payday loans are best suited for your urgent expenses that can’t wait till your next salary day. The loan amount up to 1000 pounds is good enough to suffice your urgent bills, car repairs, unplanned travel expenses, school fees and many alike.
Long term loans are better than many short term advances due to many reasons. You can obtain the funds via a straightforward online procedure and repay in installments of 12 months. You have full one year to reimburse the borrowed money, so there is no hassle. Then as discussed earlier, there is even no issue of past credit history checks. Being web-based, our services are accessible online from anywhere through the Internet. So there is no time limitation too. So don’t wait for anything. Just choose a paycheque advance to day and get cash to meet all your current needs. You are now just one application away from the friendliest online loans in the United Kingdom. | finance |
http://profitfocusedfarming.com/faq-2/ | 2017-04-24T13:05:51 | s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917119361.6/warc/CC-MAIN-20170423031159-00036-ip-10-145-167-34.ec2.internal.warc.gz | 0.945359 | 727 | CC-MAIN-2017-17 | webtext-fineweb__CC-MAIN-2017-17__0__165170462 | en | Most new members initially invest 2 to 3 hours week per week for the first month developing their business plan, populating the financial software with data and analyzing their first financial reports.
Thereafter, members tend to spend 1.5 to 2 hours per week recording key data, coding bank statements, conducting market research and keeping files up to date ready for submission at the end of the month. We believe time spent working on your farm business to improve profitability is time well spent.
The data you need to marshal is often already recorded for budgeting, banking and taxation purposes and thus should be reasonably close at hand.
Some additional thought and research will need to be applied to make informed assumptions about future variables.
The key information you need to record and update regularly includes:
Members are required to assign a unique Profit Focused Farming income and expenditure code next to each transactional item on their business bank statement.
This allows us to apportion transactions to various profit centers.
To do this, we use BankLink’s Notes service to provide us with an electronic version of your farm’s bank accounts.
We believe this is a relatively simple process that adds robustness to the financial reports and decision-making.
Profit Focused Farming integrated business management tools can be applied to a large range of farming enterprises, including those with multiple farms.
With all enterprises, the key objective is to continually improve the profitability and value of the farm business.
We view every farm as unique and one of the first steps is to run the numbers and understand the current and forecasted financial performance.
These first financial reports highlight the occurrence of the most profitable farming activities. They also demonstrate where the financial strength and weakness areas are.
At the same time, we also ask new members to reflect on what they want from the farm business and the future, their strengths and what the most important issues are.
Armed with this information we work with members to identify and objectively assess possible solutions that will improve profit.
Once the member has decided a course of action, we then support the member to take action and put it into practice.
Ongoing guidance and support is then provided on a regular basis to assess results and help the member stay focused on critical business issues and get things finished.
This support comes from a personal business coach, mentors and other Profit Focused Farming farming members.
This proven process has been adopted by dairy, sheep, beef and mixed farms throughout New Zealand.
Profit Focused Farming accommodates a full range of farming practices, including breeding.
Our objective is to help farmers establish, using their own information, what farming activities do and do not contribute to profit.
All farming activities, including breeding stock are assessed for comparative current and future profitability.
The type of landscape and prevailing market prices will typically determine whether carrying breeding stock all year is more profitable than other types of farming i.e. finishing or fattening for the store markets. A farmer’s strengths and passion for breeding animals will also be a contributing factor.
We have members who have used sound financial analysis to establish themselves as successful and profitable stockbreeders.
The profit focused farming system is an online service which requires you to be able to access the web to see your reports and monthly results.
It is essential that you have an average level and understanding of computer literacy. You will be required to use the Microsoft Office suite of products especially Excel and Word. You will also need to be familiar with Microsoft Outlook and be able to attach files and send emails. | finance |
https://columbus.citymomsblog.com/guides/columbus-moving-and-home-improvement/ | 2018-03-22T00:32:39 | s3://commoncrawl/crawl-data/CC-MAIN-2018-13/segments/1521257647707.33/warc/CC-MAIN-20180321234947-20180322014947-00240.warc.gz | 0.945413 | 1,232 | CC-MAIN-2018-13 | webtext-fineweb__CC-MAIN-2018-13__0__94666480 | en | Whether you’re trying to find a new house, renovating a lived-in abode, or just sprucing up your home-sweet-home, you’ll more than likely need the help of an expert at some point along the way. Click the tabs below to help navigate through our sections to find just the right person to help with all your Moving and Home Improvement needs.
This guide is brought to you by our Sponsors – thank you for partnering with Columbus Moms Blog!
CREDIT UNION OF OHIO
Credit Union of Ohio makes home improvements affordable
Need access to cash for your next home improvement project, but not sure how to start the process? Credit Union of Ohio has you covered with affordable home equity loans, lines of credit and a friendly staff to answer all your questions.
Based in Hilliard with convenient locations throughout central Ohio, Credit Union of Ohio is an expert partner in helping homeowners navigate financial decisions to improve the value of their homes. With competitive and affordable rates and a local staff, your decisions will be made locally and you’ll always have a direct line to your loan officer.
For a limited time, Credit Union of Ohio is offering a Home Equity special and Summertime Loan special. Visit Credit Union of Ohio’s website for current rates and terms or set up an appointment with a loan specialist by calling (614) 487-6650.
Credit Union of Ohio is a full-service financial institution with a mission to help its members create positive financial habits through all stages in life. Learn about its free financial counseling services and products for the entire family at cuofohio.org. Equal Housing Lender and NCUA insured.
OHIO BASEMENT AUTHORITY
REAL WORLD CLEANING SERVICE
Looking for quality cleaning service you can trust? Real World Cleaning Services is a local, family-owned business, licensed and insured to provide superior, residential and commercial cleaning services to the central and southern Ohio areas. Customer time, security and satisfaction are our priority – free estimates are easily done, cleaning supplies are provided, and excellent cleaning teams are screened and well-trained. Real World Cleaning Services provides a variety of cleaning frequencies including weekly, bi-weekly, monthly, seasonal and as-needed service scheduling. Floor services, including strip/wax and carpet cleaning can be scheduled as well! Don’t put off the opportunity to ease these chores and your peace of mind – contact us today for your free estimate!
Buckeye Locksmith provides friendly, quality locksmith services in Columbus and surrounding cities. Our technicians, who have been in the business for over 10 years and are masters at their craft, strive to provide a personable, tailored experience for every customer. Local and family owned, Buckeye Locksmith offers a wide range of residential, commercial and automotive services. Choosing the right locksmith is an important decision when it comes to something as personal as home security. Buckeye Locksmith is a company you can trust. The company maintains BBB accreditation and offers upfront pricing to every customer. Technicians will not charge hidden fees or offer unnecessary up-sells. Special deals and discounts are listed on the website.
LEADERS MOVING & STORAGE CO.
Leaders Moving & Storage Co. is an accredited, professional, Columbus moving company, offering both corporate and residential moving services and storage. Our company began in 1994 in Columbus, Ohio with two movers and a handshake. Since then we’ve completed over 100,000 moves. We are one of the only moving companies to quote you an exact move price. There are no hidden fees, and no nasty surprises. You know your price in advance, so you can customize your move to your budget. Over 80% of all our customers are repeat customers and referrals. Call our Columbus movers at (614) 785-9595 today, to get your guaranteed move quote.
TIME 4 ORGANIZING
SARAH MOORE, HER REALTORS
I remember the day that my husband and I found our home nearly 18 years ago. We are now in the midst of raising three beautiful boys, 2 dogs, 1 cat and 3 geckos. As you embark on one of the most important decisions of your life that will lead to many wonderful memories, I would like to assist you in finding a house that will become your perfect home. Has the time come that you would like to downsize or increase your living space? I’m available to sell your home with care, respect and the most comprehensive online marketing available today. I look forward to working with you soon.
THE MCGINTY GROUP, KELLER WILLIAMS CONSULTANTS REALTY
Ryan and Courtney McGinty are a husband-wife team with Keller Williams Consultants Realty. You get two realtors for the price of one! We love to work together and to help people realize their real estate dreams. Our goal is to make the home buying and selling process as smooth as possible and our clients tell us that we succeed. We offer personalized and responsive service, and are up-to-date about the current market, the best loan options available now, and the most recent laws that could affect your real estate transaction. Whether you’re brand new to Columbus, moving across the street, or moving out of town, we can help!
AMY E. HALL, KELLER WILLIAMS GREATER COLUMBUS
I am a local Realtor who would be honored to help with all your real estate needs in the Greater Columbus and surrounding areas. It is my strong belief that you need a friend in this business and that is what I will strive to be – your friend. Purchasing or selling a house is a big deal and you need someone you can rely on, who has your back, and is here to listen. I am that person. Contact me today and let me help you to find the perfect house to come home to. | finance |
https://zigdao.com/cryptocurrency-to-trade/dash-dash | 2024-04-17T13:10:08 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817153.39/warc/CC-MAIN-20240417110701-20240417140701-00821.warc.gz | 0.910302 | 297 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__96560960 | en | Zignaly has built a business to leverage the social predisposition of humans to lower the barrier of entry to cryptocurrency trading.”
What really sets Zignaly apart is its profit-sharing feature. Crypto investors can duplicate the trades of up to 100 expert traders — and only pay trading fees when profits are made from closed positions.”
Clearly, Zignaly has a strong use case in a world where a significant number of crypto traders rely on recommendations”
Zignaly has created an environment where trading platforms, users, and expert traders can benefit from one anothers input while contributing to a comprehensive ecosystem.”
About 100,000 crypto investors use the crypto copy trading tool that Zignaly offers. This easy-to-use, results-driven tool enables you to select and copy the strategies of successful crypto traders with minimal effort.”
Zignaly puts a spin on traditional copy trading by calling it smart investing. At its core, it connects investors with traders and profits are shared when successful trades are copied."
Zignaly is a social investment platform that allows investors to follow expert traders in a seamless manner. This results in not only the investors achieving optimized returns, but hundreds of traders are monetizing on their trading skillset."
Zignaly is the better platform for copy trading live traders. The platform has an innovative Profit-Sharing feature where you can split a pool of your investable assets among multiple traders." | finance |
https://www.crestechglobal.com/Understanding_Security_Compliances.php | 2020-09-26T09:14:14 | s3://commoncrawl/crawl-data/CC-MAIN-2020-40/segments/1600400238038.76/warc/CC-MAIN-20200926071311-20200926101311-00509.warc.gz | 0.930536 | 974 | CC-MAIN-2020-40 | webtext-fineweb__CC-MAIN-2020-40__0__279235585 | en | - About Us
- Case Study
Digital transactions are increasing rapidly and more people than ever are using these platforms. Statutory & Regulatory bodies across the world are continuously protecting this digital information of the users from mishandling or theft. Data Protection law in European Union is even more stringent now after GDPR compliance came into force. Purpose of all this being to safeguard interest of the end users.
Compliance Frameworks are sets of guidelines and best practices. Organizations follow these guidelines to meet regulatory requirements, improve processes, strengthen security, and achieve business objectives. Non-Compliant organizations face security breaches. When a company suffers a security breach, it is often difficult to quantify the totality of the damage, in part because there are so many potential financial consequences. Some of the biggest security breaches in recent years are:
Payment Card Industry Data Security (PCI-DSS) : Organizations that handle cardholder information for major debit, credit, prepaid, e-purse, ATM and POS cards fall under this regulation. These compliances results in tapping the financial frauds, primarily through protecting debit/credit card and account information of the customers. Noncompliance to PCI-DDS can cost between $5,000 and $100,000 per month as fine.
Health Insurance Portability and Accountability Act ( HIPAA): This bill puts in place many regulations regarding the security of patient data. Companies that handle healthcare data, from hospitals and clinics to insurance companies, are required to comply with HIPAA regulations. Penalties for non-compliance can range from $100 to $50,000 per violation, with a maximum penalty of $1.5 million annually
Sarbanes Oxley Act (SOX) : It is designed to protect investors and the public by increasing the accuracy and reliability of corporate disclosures. This act requires companies to maintain financial records for seven years. Affected companies include U.S. public company boards, management and public accounting firms.
Federal Information Security Management Act ( FISMAA) : The Federal Information Security Management Act of 2002 treats information security as a matter of national security for federal agencies. Comprehensive framework for ensuring the effectiveness of information security controls over information resources. It requires each federal agency to develop, document, and implement an agency-wide program to provide information security for the information systems that support the operations and assets of the agency.
General Data Protection Regulation(GDPR) : It aims to protect citizens in the European Union (EU) from data breaches. The GDPR applies to all companies processing personal data for people residing in the EU, even if that company is not physically located or based in the EU. Companies that fail to comply can face massive fines equaling four percent of their global turnover, or 20 million euros, whichever is higher.
Gramm Leach Bliley Act (GLBA) : This compliance is a United States federal law that requires financial institutions to explain how they share and protect their customers private information. It requires financial institutions that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information sharing practices to their customers and to safeguard sensitive data.
Enhanced risk management framework: Compliance regulations help in defining a proactive security and risk posture for any organization, and then translating that posture to actionable security controls.
Reassure Customers: Compliance regulations help in protecting customer data which helps in achieving customers trust and contributes to brand reputation.
Avoid breaches which in turn minimize losses: Regulations prevents breaches, which can cost millions of dollars and dent organization's exchequer. Due to the data breach, many companies end up losing revenues in sales, additional repair costs of the application and legal fees, all of which can be avoided with the right preventive measures.
Organizations have been earnestly taking precautionary measures against risks, continuous compliance of their environment and proactive IT operation processes. Since each major security standard involves an evolving set of specific requirements, achieving security compliance can be complicated, costly and challenging.
Achieving compliance within a regulatory framework is an ongoing process. Organizations, environment is always changing, and the operating effectiveness of a control may break down. So, choosing an appropriate compliance policy, applying effective controls, regular monitoring and reporting is a must. An automated compliance monitoring can be the solution. Data analytics are now well established as a very effective way to monitor and test many forms of transactions and other activities that are impossible to examine manually.
In summary, we understand that security non-compliance can cost heavy to business and its reputation. So, to the online platform this is not a choice anymore. Based on the nature of business and the geographies of operation though analysis is needed to understand and apply the security compliances. Continuous evolving strategy should be planned to ensure the business is always complied to the latest compliance and technology needs. | finance |
http://willardjones.com/2017/01/03/2017-predictions/ | 2024-03-03T09:00:08 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476211.69/warc/CC-MAIN-20240303075134-20240303105134-00536.warc.gz | 0.943015 | 1,054 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__69196543 | en | The 2017 Crystal Ball
Here we go again. Another new year, another fresh set of predictions. Before we project what lies ahead for the next 12 months, let’s first see how we fared last year:
1) Leasing activity will remain strong for the majority of 2016, but activity will start to show some very subtle signs of slowing down towards the end of the year. True.
2) 151 North Franklin will be the last new office building constructed in this development cycle. False, thanks to 625 West Adams.
3) Landlords will be forced to continue raising rents to account for the property tax increase. Generally true, although taxes are not the only reason for this.
4) Many tenants will be furious once they receive their pass through bills or net rent increases, thereby making life miserable for landlords, property managers and leasing agents. True for the most part, although the reaction has not been as bad as feared.
5) The tax increase will also have a direct impact on retail and residential real estate. Retailers will be forced to raise prices and apartment rents will rise, as Chicago will become one of the more expensive cities in America to conduct business. True.
6) Sales activity will begin to decline in 2016. Because so many properties have changed hands over the past two years, there are simply not that many left to sell. True.
7) Firms not in dire need of expansion space will use the upcoming presidential election as a convenient excuse to put off decisions. With some exceptions, mostly False.
8) A notable technology firm will be the first to take the plunge and sign a significant lease in Goose Island, thereby laying the groundwork for this corridor to become the next growth market in downtown Chicago real estate. False. Still waiting.
9) A grocery store will sign a lease in the Loop this year to cater to the rapidly growing residential population in the central business district. False.
10) A combination of the tax increase, high crime rate and sustained issues with the police department and Chicago Public Schools will be cited as a key reason for a significant corporation pulling their headquarters out of downtown Chicago and relocating to either the suburbs or another part of the country. False, for now.
So, half of my predictions came true. Not bad for one of the most unpredictable industries out there. Let’s now see if I can improve upon my predictions in 2017:
1) With the increased supply caused by new construction and resulting shadow and sublease space, total vacancy will rise by approximately 1.5%.
2) Average rents will increase slightly in the first half of 2017, then begin to plateau for the second part of the year. Average tenant improvement allowances, rent abatement and other incentives will remain about the same as last year.
3) The Old Post Office will land a significant anchor tenant who will occupy over a quarter of the building. Other smaller tenants will commit as well over the course of 2017, as this notable redevelopment becomes a quick success.
4) The bloom will be off the Fulton Market rose just a bit, as several of the new office buildings either planned or under construction will struggle to fill space. This will lead to a slowdown of new development projects for a while.
5) The sales market will remain quiet for most of 2017. In the fourth quarter, however, things will begin to loosen up just a bit and price expectations will be dialed back a notch. This will allow for some of the investors who had been sitting on the sidelines for the past few years to start getting back in the game.
6) Just when we thought Loop office development would be on hiatus for a few years, the market will be shocked by one more announcement: a new tower located on the General Growth site at 110 North Wacker Drive to be anchored by a well known, Fortune 500 tenant who will take occupancy in early 2021.
7) In spite of the planned redevelopment of the Tribune Tower, CIM Group will decide keep floors 3 – 7 for office use and sign WGN Radio to a long term lease. As part of the new deal, they will be forced to abandon their ground floor studio, which will be leased to a national retailer for $300 per square foot.
8) Leasing activity will remain slow in Goose Island. However, the city will announce a series of notable infrastructure improvements that will make this sector much more accessible to prospective users long term. Success will come, just not as fast as most hoped.
9) As part of the City of Chicago’s astonishing decision to legalizing sports gambling, plans will be announced to construct a land-based casino on the site of the former Michael Reese hospital, kicking off a billion dollar development which will include hotels, retail and housing.
10) Let’s try this one once more: A grocery store will sign a lease in the East Loop this year to cater to the rapidly growing residential population in the central business district.
To say the least, it will be interesting to see how this all plays out. Check back in a year to see how I fared. Best wishes to everyone reading for a happy, healthy and prosperous 2017! | finance |
https://www.sportslab.com.au/faq/proin-nec-justo-leo-quis-facilisis-ant/ | 2023-12-03T04:26:02 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100484.76/warc/CC-MAIN-20231203030948-20231203060948-00196.warc.gz | 0.937383 | 134 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__44499423 | en | Our Payments and Funds
Most of our services are covered by private health fund rebates and with the new Medicare Enhance Primary Care Plan, some services are covered by Medicare (terms and conditions apply). In addition, both our clinics are equipped with HICAPS, which allows you the convenience of ‘on the spot’ electronic claims and payment from participating health funds, saving you time and money.
- Payment is required at time of consultation.
- 24 hour cancellation notice is greatly appreciated.
- HICAPS payment facility is available.
- Eftpos payment facility is available.
- Credit cards accepted: Visa, Mastercard and AMEX. | finance |
https://www.magnusmode.com/fr/2023/08/11/mt-bank-and-magnuscards-collaborate-to-support-customers-with-autism-or-neurodiverse-abilities/ | 2024-04-19T15:22:20 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817438.43/warc/CC-MAIN-20240419141145-20240419171145-00411.warc.gz | 0.942441 | 1,436 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__116133092 | en | BUFFALO, N.Y., June 14, 2021—M&T Bank announced it will be the first U.S. bank to team up with MagnusCards® by Magnusmode, a free app dedicated to making the world a more accessible place for people with neurodiverse abilities. The collaboration will create new digital guides that provide visual cues and step-by-step instructions to help people access fundamental banking services. Available through the MagnusCards app, M&T Bank’s digital “Card Decks” are designed to increase banking accessibility for all, and are offered free to users.
“Launching M&T Bank’s MagnusCards will help us create a more inclusive, welcoming bank and expand our capabilities to meet the unique needs of our diverse community of customers,” said Sonny Sonnenstein, Chief Information Officer for Consumer, Business and Digital Banking at M&T Bank. “We are excited to work with Magnusmode – not only because they’re an inspiring local startup, but also because their product is incredibly intuitive and well-designed to support our customers.”
Digitalized Guidance Through Storytelling
Using digitalized “Card Decks,” the MagnusCards app guides users through tasks and activities that might otherwise feel challenging or overwhelming. As Magusmode’s very first U.S. bank partner, M&T Bank is offering an expanding “life skills library” that provides practical guidance through storytelling Card Decks, helping users navigate daily tasks and experiences that may become overwhelming without assistance. It uses applied behavior analysis methods, offering prompts and positive reinforcement to support experiential learning.
In addition to banking and money management, the app provides accessibility support for public transportation, healthcare, shopping, school and other places and activities people need to access as part of their daily lives. The app’s users include people with autism, down syndrome, acquired brain injury, dementia, ADHD and other cognitive disabilities.
“Confusing or complex services can create barriers for people with autism and other cognitive disabilities. Our assistive technology helps companies eliminate those barriers and welcome, support and enable people on the autism or disability spectrums,” said Magnusmode Founder and President Nadia Hamilton. “In M&T Bank, we found partners who understand the importance of leveraging technology to create practical tools that improve the everyday experiences of all people.”
Employee Advocacy Led the Way
M&T’s Disability Advocacy Network (DAN), an employee-led group that advocates for the needs of people with disabilities, identified MagnusCards as a potential opportunity for the bank, and guided its implementation and launch, working alongside M&T’s technology team and colleagues throughout the bank.
“Our MagnusCards will help people count money, use their debit card to purchase things, withdraw cash from an ATM or teller, and deposit cash and checks into an ATM,” said David Zolnowski, president of DAN’s Western New York chapter and a parent advocate whose son has Down syndrome. “Each of these essential guides will be extremely helpful to people with disabilities.”
Disabled Family Members Helped Develop the Product
WNY DAN member Stephanie Tisdale, a vice president and strategic initiatives lead at M&T, also played an important role in launching M&T’s MagnusCards. She asked her 17-year-old brother, Diarllo, who is on the autism spectrum, to serve as the “acting talent” in the production of the visuals for the Card Decks. While the ask was a bit outside his comfort zone, he jumped at the opportunity when he learned how his participation would help other people with disabilities.
“The Disability Advocacy Network wanted real people involved. We didn’t want actors, but people who would directly benefit from our collaboration with Magnusmode,” Tisdale said. “My brother is never one to be the center of attention, but when he heard it would help people, he was all over it. It was inspiring to see Diarllo contribute to something so important. I want my brother to have the opportunity to live independently, to be able to access the services he needs and to feel like he belongs. The MagnusCards app will be so empowering for him and all people with cognitive disabilities.”
A New Wave of Digital Banking Tools
M&T’s MagnusCards launch comes amid the bank’s ongoing push to provide new and innovative digital tools and resources to help customers manage their money. A few highlights include:
- Money Smart’s Cash Flow – M&T has expanded M&T Money Smart, the budgeting and money management tool available through its online and mobile banking platforms, with new features that help customers plan for the future. Cash Flow is a tool that allows users to visualize how money moves into and out of their accounts each month. It uses advanced analytics informed by past transactions to provide users with a simple display of their daily spending power.
- Money Smart’s, The Goals – Money Smart was also updated with a Net Worth tool to help users track financial worth in real time. It combines checking and savings accounts, retirement accounts, property, investments, bonds, debt and more to show a visualization of net worth and how it changes over time. The Goals tool in Money Smart helps users achieve savings, debt payoff and retirement goals. It creates timelines and visualizations that are automatically updated as users put money toward a savings goal or pay down debt.
- Financial Education Center – M&T created an online Financial Education Center to help its customers and communities access educational resources that deepen their financial literacy. Its self-directed learning materials are organized into life-stage educational bundles – such as Banking for Families, Becoming a Homeowner, Banking for Entrepreneurs and others – to help people find the insights and information they need for their moment in life. The Financial Education Center can be visited at mtb.com/financialeducation.
About M&T Bank
M&T Bank Corporation is a financial holding company headquartered in Buffalo, New York. M&T’s principal banking subsidiary, M&T Bank, operates banking offices in New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia and the District of Columbia. Trust-related services are provided by M&T’s Wilmington Trust-affiliated companies and by M&T Bank.
Founded in Toronto, Ontario, Magnusmode was a 2018 winner of the Buffalo-based startup competition 43North. The company is currently based in 43North’s accelerator and office space at Seneca One in downtown Buffalo, where M&T recently launched its Tech Hub.
Media Contact: Julia Berchou, (716) 842-5385, [email protected] | finance |
https://www.visionxs.co.uk/upcoming-events/postcovid19workshop/ | 2020-10-19T23:54:24 | s3://commoncrawl/crawl-data/CC-MAIN-2020-45/segments/1603107867463.6/warc/CC-MAIN-20201019232613-20201020022613-00555.warc.gz | 0.927575 | 441 | CC-MAIN-2020-45 | webtext-fineweb__CC-MAIN-2020-45__0__56825759 | en | The attraction industry is facing a huge challenge as a result of the global pandemic. This workshop offers solutions that give the industry an opportunity to return to business in a stronger position and with more resilience. It is aimed at attractions who are optimistic and feel that an investment would be a suitable solution or strategy to break free from the current circumstances. View full details here.
September 29th – October 2nd, Wallingford, Oxfordshire.
- Analyse profit and loss across different types of days
- Explore different business models and build more resilience into the income models
- Assess the available market and adjust tolerances for uncertain attendance over the next 18 months
- Review the current visitor experience and identify what is needed to improve it, plus test out potential new additions over the next 5 years
- Develop an immediate working cash flow to help the business through the next 18 months and then beyond for 5 years
- Create a cost model capital plan
- Develop an operational cost model control
- Plan monthly cash flows for the next 5 years
- Test out different model sensitivities
- Carry out a high strategy risk assessment
How is the workshop delivered and what is the cost?
There are two options, both will operate under strict social distancing guidelines, and they both have a pricing structure that reflects the current difficult financial situation:
Option 1: In Wallingford, South Oxfordshire over the course of four days 29th September – 2nd October. For up to four delegates.
Initial deposit paid on booking £1,000 + VAT followed by 12 x monthly DD payments of £166.67 + VAT. Total cost: £3,000 + VAT for up to four colleagues.
Option 2: The same programme content but hosted either onsite at your attraction or in Wallingford at a different time. For up to four delegates.
Initial deposit paid on booking £6,000 + VAT followed by 12 x monthly DD payments of £500 + VAT. Total cost: £12,000 + VAT
Please note the above costs include lunch each day and whilst we can help you find accommodation you are responsible for the cost of it and evening meals. | finance |
https://ronihirsch.wordpress.com/dissertation-abstract/ | 2023-06-08T10:51:29 | s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224654871.97/warc/CC-MAIN-20230608103815-20230608133815-00149.warc.gz | 0.945331 | 2,465 | CC-MAIN-2023-23 | webtext-fineweb__CC-MAIN-2023-23__0__276655390 | en | The Price of Risk: What the Rise of Finance Can Teach Us About Justice
The dissertation traces the bond between risk and profit from its classical origin to its culmination in contemporary finance. Specifically, it dwells on the interwar period, during which securities exchanges were redefined as markets for risk, subject to their own logic of supply and demand. Combining intellectual and institutional history, the dissertation shows how financial markets emerge in this period as the ultimate means for transferring risks from the risk-averse ‘masses’ to a handful of risk-takers, significantly skewing the distribution of the rewards of economic production. The pricing of risk, as a technical problem for economists as well as regulators, thus reveals a fundamental political problem that challenges widely held beliefs about the liberal subject, democratic rule, and distributive justice. As I argue in The Price of Risk, the presence of uncertainty reverses liberal commitments to equal dignity and opportunity, justifying new social asymmetries in the name of greater security.
Uncertainty, I propose, is a problem for justice when actions and outcomes are misaligned, and when this misalignment is broadly anticipated by the members of a political community. The dissertation offers an original interpretation of the tradition of political economic thought since the late eighteenth century, as a series of market solutions to this specific problem, which utilize a language of risk and reward. Adam Smith’s master of industry, Frank Knight’s entrepreneur, and J. R. Hicks’ speculator were new social protagonists that were introduced to personally carry the uncertainties of capitalist production and exchange. Each presupposes, and profits from, the general need of the many for a regular, guaranteed return for their efforts. Divided into three parts, the dissertation discusses the meaning and limitations of these market solutions and the obstacles they pose for an effective politics of risk. It concludes by presenting an alternative approach to risk in the politicization of danger by a new type of social movement.
In the first part of the dissertation, I show how the idea of ‘profit’ displaced private property and the proprietary citizen as the governing ideals of liberal market societies, substituting hierarchy and difference for self-governance and autonomy. Chapter One begins with a comparison of property and profit as two competing frameworks for economic thought. If private property relied on the atomist sameness of all political actors and an indisputable sovereignty over one’s own domain, profit, rising as an analytic category in the eighteenth century, came with an alternative set of values. Profit highlighted difference and invented a new hierarchy pitting responsible leadership against directed labor. The chapter closes with a discussion of Adam Smith’s theory of profit in Wealth of Nations as a socially distributed market-rate, which essentially transfers the costs of the entrepreneur’s “risk and trouble” to society at large. Smith’s “master of industry” is thus rewarded for her active employment of capital, but is personally spared much of the regular costs of risk. In return, she is limited in the rate of profit she can extract, in the interest of general social progress and prosperity.
Chapter Two shows how the transformation of modern corporations and the radical revision of the economics discipline at the turn of the twentieth century changed the meaning of profit, while retaining its fundamental social asymmetries. As utility came to describe all market aims and gains, a perfect balance, or equilibrium, of supply and demand left no room for something like a residual money income. In response, Frank Knight (1921), a Chicago economist, redefined profit as belonging to a realm outside of market laws, the reward for a small subset of humanity engaged not in mechanical market exchange, but in taking on the inherent uncertainties of economic life. Entrepreneurs would promise a predetermined future return for present labors and investments, thereby eliminating uncertainty for the great masses of society. Knight’s theory of risk and profit thus lays the foundation for a dichotomized humanity, which is also asymmetrically rewarded along the risk line.
The second part of the dissertation focuses on the market as a system of risk allocation, in theory and in practice. In Chapter Three, I present the main principles of the market for risk as it emerged from John M. Keynes’ and John R. Hicks’ work on dynamic economics, in Cambridge and the London School of Economics, respectively. In Hicks’ dynamic equilibrium model, irreducible economic uncertainties can be traded for a profit in the open market. Risk, in other words, could itself be subjected to a logic of supply and demand. Just like for Knight, the model relies on a ‘Machiavellian’ opposition of passions, as the fearful many, the hedgers, offload their risks into the hands of profit-seeking speculators. Though all risk-bearing activities now happen squarely within markets, the distributive outcome is similar to Knight’s: conspicuous rewards for the few, and security for the many.
Chapter Four places my account of early financial thought in the context of a broader narrative on the rise of neoliberalism, which sees it as the spread of market logic. The chapter makes use of the market for risk as a case study of this larger phenomenon, focusing on the role of widespread market idealizations in structuring the debates around financial regulation and scientific market forecasting. The chapter follows the idea of equilibrium and the opposition of hedgers and speculators as they come to define and legitimize many of the speculative practices taking place in the commodities and securities exchanges, primarily in New York and Chicago. The broad acceptance of these ideas, as I show, is not limited to practitioners and is frequently invoked by market critics from the private and the public sectors. The chapter points to the formative role of market ideals, and further argues that the unique character of the commodities exchange helped establish speculator hegemony and market autonomy as regulatory principles. By pointing to the convergence of conflicting parties around a common set of ideals, the chapter articulates the limits of a politics of risk which relies primarily on regulation.
The third part of the dissertation offers a political horizon for change. If markets and insurers offer ways to reallocate risks among a given population, social movements have used risk attribution strategically and symbolically in order to transform the language of personal responsibility into one of structural inequality. Chapter Five draws on the experiences of the risk-based, intersectional organizing of new social movements, studying their radical forms of resistance to the privatization of responsibility. In particular, I focus on the environmental justice movement (EJM) of the 1980s and 1990s, which used the forensic logic of risk attribution to reshape common conceptions of marginalized communities and the power asymmetries that shape them. Committed to broad participation, the EJM allows for heterogeneous communities to form in the face of prospective danger. Bringing together the sociology of risk, social movement theory, and critical race theory, the chapter argues that such movements are crucial in reframing the problem of uncertainty and justice as one of distribution, rather than allocation, paving the way for a participatory politics of risk.
By the late-twentieth-century, financial markets, which organize all markets, are broadly structured around the division between the risk-takers and the risk-averse. Its “products” are founded on a similar dichotomy between risky assets, which earn variable returns, and risk-free assets, which earn a fixed return over time. The dissertation concludes that, in permitting the financial system to run as if its outcomes are already accurate and its prices always right, one risks its recurrent interruption by an irreducible and largely ‘suppressed’ uncertainty, as evidenced by the financial crisis of 2007-8. But in its limitation to this stylized ideal, I argue, financial theory also opens up a space beyond it, for non-economic theories of uncertainty, just like Knight used a highly abstract equilibrium model to define a social ontology that extends beyond markets. It is within this space that both regulators and movements can develop a politics of risk. The first are tasked primarily with holding financial markets to their promises of stability and a fair price for risk, increasing access to these markets, and tempering their effect on wealth accumulation. Movements, on the other hand, are charged with identifying the subjects of risk, making them visible, and creating the discursive and institutional disturbance necessary for their incorporation in a broader debate about social distribution.
The dissertation’s contribution lies in three central areas. First, it points to the historical need to think about democratic liberalism beyond the framework of private property. The dissertation identifies an actual shift in economists’ focus, as profit became a central category while interest and rent receded to the background. It further shows how, with the decline in the importance of private property for understanding progress and productivity in society, the virtues of property ownership were similarly replaced with initiative, responsibility, and daring, the supposed virtues of enterprise. As much of the debate around justice continues to seek the kinds of self-government and equal dignity bestowed by property, one must ask how this material transformation might affect these goals, and their appropriateness.
Second, the dissertation identifies an ambiguity around a key claim made by critics of neoliberalism—namely that this new constellation of power/knowledge involves the unhealthy spread of market logic. In response, the dissertation points to the plural, historically situated meanings of the term ‘market logic’, on the one hand, and the tendency within political theory to bracket the actual mechanics of markets, on the other. By focusing on the emergence of a market for risk, the project identifies the anonymized, divided subject of risk as one type of neoliberal subject. In addition, by understanding how finance purports to offer safety, I have proposed an alternative explanation of the push to expand this particular ‘market logic,’ necessitated by the internal principles of risk-reallocation. Such an explanation, grounded in the way ideas have shaped financial institutions and behaviors, also aims to supplement available narratives on financialization which focus on its incredible profits, without engaging the sources, real and imagined, of these profits.
Finally, the dissertation reframes the question of justice and inequality by identifying the pervasive role of uncertainty in shaping economic life. It offers an alternative analysis of capitalist market society not from the perspective of capital accumulation, but from the inherent doubt about future rewards. The picture which emerges shows the extent to which markets are organized around the minimization, elimination, or reassigning of risk, to guarantee the many a life free of fear and loss. In this view, therefore, the market for labor becomes one of the most important functions of a capitalist system, namely the ability the extend to labor a regular wage—a function severely undermined in recent decades by the rapid expansion of a contingent-labor class. From the perspective of uncertainty, moreover, individual risk-taking had emerged as a necessary solution, and markets were increasingly expected to reward risk-taking, maintaining a permanent asymmetry in the distribution of income in society.
The problem of justice is further complicated by the limits of the politics of risk. Risk allocation mechanisms—from insurance to the risk-benefit calculations behind the siting of a landfill—lack the language to reflect on their own outcomes for society as a whole and often disguise their less voluntary aspects. Regulators, moreover, are often bound to the very same technical languages produced by such systems. In order to overcome the limitations of governmental risk-reallocation, the dissertation identified more effective political strategies, that allow movements to interact fruitfully with regulators and administrators. Exemplified in the case of the EJM, movements have been able to force the recognition that risk-reallocation carries broad social implications. In some cases, movements have also successfully demanded redress for the historically skewed distribution of risks and rewards. In their activism, movements have thus offered ways to counter the depoliticizing, often alienating effects of the language of risk-management, in particular when it comes to marginalized communities. | finance |
https://stcats.org.au/fees.php | 2023-12-04T20:44:05 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100534.18/warc/CC-MAIN-20231204182901-20231204212901-00404.warc.gz | 0.896254 | 333 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__60239041 | en | There is an $80 discount for all female members (exluding Mini Cats and Big Cats) and is additional to the early bird discount.
The fees for the 2024 season are as below:
|Early Bird*||Season Fee|
|Mini Cats (age 3 - 5)||$90|
|Big Cats (under 9 - under 11)||$60|
|U6 - U8||$290||$315|
|U9 - U13||$315||$340|
|U14 - U18||$345||$370|
NOTE: The prices indicated above are inclusive of GST for the 2023 season.
To register go to MyClubMate and complete all details.
* To receive the Early Bird discount, fees must be paid at one of the Signon days in February.
St Cats provides a family discount of $30. This discount is for the second and subsequent players from the same family. This excludes the Mini Cats program.
Parent Participation Fee
There is a $50 Participation Levy to be paid with sign on fees. The Club is a community organisation and each family is requested to help out during the season. At least 2 field setups and 1 additional task OR 2 additional tasks, eg 2 Working Bees. If you are unable to meet this obligation, the $50 Participation Levy will be forfeited. Please ensure you register your participation by using the QR Code on the back of the equipment room door. Additional tasks include Photo Day, Working Bees, Presentation Day/s, helping with Fundraising activities. Coaching and managing also count towards Parent Participation. | finance |
https://www.marcuscenter.org/series/broadway | 2022-05-16T17:45:52 | s3://commoncrawl/crawl-data/CC-MAIN-2022-21/segments/1652662512229.26/warc/CC-MAIN-20220516172745-20220516202745-00043.warc.gz | 0.905363 | 110 | CC-MAIN-2022-21 | webtext-fineweb__CC-MAIN-2022-21__0__91978038 | en | The Marcus Center team is actively working in collaboration with state and local government officials and following local, state and federal health guidelines.
Rest assured, if we need to cancel any performance, the value of your ticket is safe. You will have the option of a credit, refund, or the ability to donate the value of your tickets to the Marcus Center. If you are participating in a payment plan, the value will be applied to the remaining payments on your account.
For COVID related policies, please reference our COVID resource page: COVID | finance |
http://1j7d.thedublinproject.com/Finance/resume/ellen-su | 2024-04-24T11:42:04 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296819273.90/warc/CC-MAIN-20240424112049-20240424142049-00121.warc.gz | 0.850793 | 692 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__67230091 | en | Verified Expert in Finance
Management Consulting Expert
Ellen specializes in answering her clients' complex financial and analytical questions with innovative techniques. She is excited to bring to Toptal clients a vast set of tools to employ on analytical projects. Her unique talent is a seamless combination of data sourcing, programming, financial analysis, storyboarding, and visualization.
Park City Finance, LLC
- Constructed a custom budget model for a multi-billion-dolllar real estate portfolio. The model generated fullly custom financial statements for each individual property that then rolled up into regions and corporate.
- Built extensive retail models for an eCommerce business to analyze sales over a wide variety of SKUs and wholesale partners. Created custom metrics to monitor for opportunities to expand the assortment at various retailers.
- Tightly integrated the data warehouse with analytical tools with SQL, PowerPivot, and Power BI.
- Created pro-forma financial statements for a pre-revenue company that included debt convenants and headcount detail.
UBS Warburg Energy
- Set up and managed the interest-rate and foreign-currency hedging operation for the energy-trading subsidiary of UBS Warburg.
Director of Financial Trading
- Structured and executed interest-rate swaps and swaptions on up to $750 million in notional principal, including amortizing structures.
- Devised currency-hedging strategies for various internal and external exposure.
- Managed a $2 billion Canadian fixed-income portfolio.
- Traded US Treasury and Eurodollar futures as well as sovereign cash instruments.
- Traded spot, forwards, and par forwards, in all major currencies.
Munder Capital Management
- Managed over fifty institutional fixed-income portfolios.
- Traded mortgage-backed securities, agency debentures, and U.S. Treasuries.
- Designed and programmed a fixed-income trading application used by the entire fixed-income department for portfolio management, trading, and trade clearing.
- Worked on fixed-income derivatives and equity proprietary-trading desks.
- Managed all interest-rate and foreign-currency exposures for a $1 billion portfolio.
- Developed and implemented exotic dual-commodity, path-dependent option models.
- Valued asset acquisition and divestitures, including a $170-million physical-asset acquisition.
Chartered Financial Analyst (CFA) in Financial Analysis
Association for Investment Management and Research - Nationwide (USA)
Master of Business Administration in Finance and Corporate Strategy
Ross School of Business, University of Michigan - Ann Arbor, Michigan
Bachelor's Degree in Finance and Accounting
Wharton School of Business, University of Pennsylvania - Philadelphia, Pennsylvania
Stanford University | via Coursera
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Top talent is in high demand.Start hiring | finance |
https://www.martinreillymazda.ie/configurator/index.cfm?fuseaction=mazdadealer.offers&modelID=796&pID=4 | 2019-10-14T03:13:49 | s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570986649035.4/warc/CC-MAIN-20191014025508-20191014052508-00520.warc.gz | 0.864777 | 300 | CC-MAIN-2019-43 | webtext-fineweb__CC-MAIN-2019-43__0__124321219 | en | Mazda3 GS 2.0P Hatchback PCP Finance Example
|36 Monthly Payments
|Term of Agreement
|| 37 months
|Customer Deposit (30%)
|Amount of Credit
|Guaranteed Minimum Future Value
|Option to Purchase Fee
|Total Amount Repayable
Offer valid until 31st July 2019
All new Mazda cars come with a 3-year/100,000km manufacturer’s warranty and 3 year’s European Roadside Assistance.
Model shown may not be to Ireland specification. Colours and some exterior and/or interior elements may differ on screen from the actual model. Price does not include metallic / mica paint. Prices exclude Dealer related charges.
Finance example above is based on a 37 month PCP (Personal Contract Purchase) plan. €1000 deposit contribution is only available for vehicles purchased via Mazda Choices. Lending terms and conditions apply and a guarantee may be required. Figures are subject to change without notice. All finance is subject to status and is available to over 18's in Ireland only. Guarantees and indemnities may be required. Warning; you will not own the goods until the final payment is made. Finance is provided by BMW Financial Services (Ireland) Ltd is trading as Alphera Financial Services, Swift Square, Santry Demesne, Dublin 9. BMW Financial Services (Ireland) Ltd trading as Alphera Financial Services is regulated by the Central Bank of Ireland. | finance |
https://cscbagadia.in/banking-services/ | 2023-06-04T14:41:35 | s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224649986.95/warc/CC-MAIN-20230604125132-20230604155132-00558.warc.gz | 0.94028 | 252 | CC-MAIN-2023-23 | webtext-fineweb__CC-MAIN-2023-23__0__161661883 | en | In 2010, the Reserve bank of India (RBI) issued guidelines to Banks for delivery of financial services through the CSCs to bring citizens in rural areas under the ambit of financial inclusion. CSC SPV has since partnered with 42 public and private sector banks and regional rural banks to leverage its last mile network to bring the unbanked, especially marginalized communities and women under banking. Under this partnership,CSCs across the country can become Business Correspondent Agents / Customer Service Points to deliver banking facilities to citizens, such as:
Opening of Accounts (Manual)Opening of Accounts (eKYC)Money DepositMoney WithdrawalBalance enquiryRecurring/Term Deposit
During 2016-17, banking services of 36 banks – 23 PSU Banks and 13 Rural Banks – have been made available through 11,940 BC Points across the country.During the financial year, 382.71 lakh transactions worth Rs. 5,70,163.61 lakh were done by these BCs.
During 2016-17, 1,26,309 VLEs have registered under Digi Pay service. Around 28.351 lakh successful transactions have been made at CSCs under Digi Pay to withdraw Rs. 17,901.89 lakh. | finance |
http://www.buycheapsoftware.com/policy.asp | 2016-08-26T23:18:00 | s3://commoncrawl/crawl-data/CC-MAIN-2016-36/segments/1471982296721.55/warc/CC-MAIN-20160823195816-00032-ip-10-153-172-175.ec2.internal.warc.gz | 0.90166 | 766 | CC-MAIN-2016-36 | webtext-fineweb__CC-MAIN-2016-36__0__112708331 | en | Credit Cards and Prepayment: MasterCard, Visa, Discover
and American Express credit cards are accepted. If you prefer to pay by check or
money order, please speak with your sales representative. Please allow 5 business days
for pre-mailed checks to clear. All checks must include a contact
person, return address and phone number in order to be processed.
A $20.00 fee will be charged on all returned checks.
C.O.D.: We also accept money orders and cashier-checks
for COD orders in the USA only. There is a $7.50 extra charge
added to all COD orders. We require a photocopy of your payment
faxed to (310)-305-3645. The fax should be sent
to the attention of your sales representative and include your
name, address and telephone number. All cashiers' checks are
subject to bank verification prior to shipping.
Prepaid bank wire transfers: Please contact your sales
representative or our accounting department for bank wire details.
Purchase orders: PO's are accepted from credit-approved
organizations for corporate, educational and government orders.
Contact one of our account managers for qualification and application
details. Banking, and Federal Tax ID numbers may be required.
Universities The minimum PO (Purchase Order) amount for Universities is $1,000.00 USD.
- Add applicable 9.75% sales tax (only in CA). Prices and product availability subject
to change without notice.
- All specials and promotions limited to stock
- Manufactures rebates and upgrades
require proof of purchase from qualifying software.
- Not responsible
for typographical errors.
- We reserve the right to limit quantities on
- We are not liable under any legal authority for consequential or incidental
damages arising from shipping delays, system downtime, loss (including data), damage, or expense arising from product malfunction.
- We expressly disclaim all warranties, express or implied,
including any implied warranty of merchantability for a
- There is a 15% restocking fee for all refused shipments.
- Other restrictions may apply.
2 Day VIP Shipping - Free 2 day shipping is not available on drop shipped orders. All drop shipped orders will be charged the standard rates regardless of the buyers VIP shipping status. Free VIP shipping rate is only applicable to shipments sent to the buyers own address.
Cancelled Software Orders - will be subject to our Cancellation Fee of $10, plus any shipping fees. This is to cover the costs for administrative processing of your transaction and the subsequent administrative tasks involved in the cancellation.
The Shipping Department is open Monday through Friday with a 7pm EST and 4pm PST cut-off time. We do not ship on Saturday, Sunday, or Major Holidays. Overnight Delivery is not offered over the weekend. Orders placed for overnight delivery before 4pm Friday, will be shipped on Monday. 90%
of our orders are filled from our warehouse on the same day. Free ground delivery is offered on all orders, shipped within the continental US.
- We apologize but due to high shipping fraud rates on software, we only offer tracking numbers to regular customers. If your order is placed over the weekend, your tracking number will be available on Monday when your order is invoiced and shipped. BuyCheapSoftware.com does not offer WILL-CALL, guarantee delivery times or offer any refunds for late delivery.
- Cancelled License Orders - LICENSES FROM MICROSOFT, SYMANTEC, VERITAS have 15 days to cancel their order. Trend Micro Download Software Keycodes are non-refundable. A 15% Cancellation Fee will apply. | finance |
http://www.raghee.com/ | 2013-12-09T21:14:39 | s3://commoncrawl/crawl-data/CC-MAIN-2013-48/segments/1386163998951/warc/CC-MAIN-20131204133318-00012-ip-10-33-133-15.ec2.internal.warc.gz | 0.950563 | 571 | CC-MAIN-2013-48 | webtext-fineweb__CC-MAIN-2013-48__0__76887860 | en | Hello Fellow Traders,
Thank you for visiting Raghee.com. I know you will find loads of useful information, products and services for all trader skill levels.
"There is nothing more important than education in anything we do. I think it's more than simply a means to an end. Knowledge to seek out more knowledge led me from futures to daytrading stocks and index futures to trading forex. All the while I picked up on the synergy. I took what I knew about one market and carried it to the next. This has allowed me to add not replace these markets to my overall approach. It's something I think I bring to the table not only as a trader but as a teacher. There is not market that trades without being influenced by another and there area even more important markets that seldom trade without influencing a number of others: That's the forex market. I use what I call a "one mind, many markets" approach or as many traders call it "I.A.O.T." It's All One Trade. When you trade with synergy because you have a better overall understanding of the markets, trading becomes less stressful and the pieces of the puzzle fit together. And it all starts with education." - Raghee Horner, trader & author
Raghee in the News
Raghee has been interviewed for newspapers, magazines and even radio shows. Click on the thumbnails to view the articles.
Forex Trading for Maximum Profit
"Forex Trading for Maximum Profit" an honest step-by-step book on the methodology of Forex trading. When people ask me about the Forex market I tell them that it has the best features of all the other markets with none of the problems.
This book explains all of it for you and it's a great place to start. Click Here For More Information.
Million Dollar Forex Set-Up eBook
The Million Dollar Forex Set-Up is more than just a series of steps - it's a mindset. It's an opportunity to view the markets in a way that allows you to hear what the market is trying to tell you. Successful traders know there is a message that the market is always communicating. Profitable traders listen for the cadence and ignore the cacophony. Unsuccessful traders try to impose their will on the market and that's a sure path to failure!
Register for Bonuses
REGISTER today to get access to the Raghee's Members Area. Registration is absolutely free! No credit card required. With membership you get email notices of upcoming FREE webinars (on-line seminars) for Raghee Members only!
- Also receive:
- Insider Access to Hours of Raghee Videos
- Instruction on Charting Forex and Trading Platforms
- Special Offers | finance |
https://www.creamzo.com/post/what-is-the-currency-of-japan | 2023-12-03T10:09:44 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100499.43/warc/CC-MAIN-20231203094028-20231203124028-00639.warc.gz | 0.965078 | 271 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__48888757 | en | What Is the Currency of Japan?
The currency of Japan is the yen (¥). It is abbreviated as JPY and is represented by the symbol "¥". The yen is the third most traded currency in the foreign exchange market, after the US dollar and the euro.
The yen was first introduced in 1871, and it has gone through several periods of instability and fluctuations in value. However, since the end of World War II, the yen has become a stable currency and is widely used in international trade and investment.
The Bank of Japan is responsible for managing the yen and implementing monetary policy to ensure price stability and support economic growth. The yen is available in both paper notes and coins, with denominations ranging from 1 yen to 10,000 yen.
Japan's currency and monetary policy have significant implications for global financial markets, given the country's status as the world's third-largest economy. Changes in the yen's value can have ripple effects across multiple industries and regions.
In conclusion, the Japanese yen (¥) is a stable and widely traded currency, playing a crucial role in international trade and investment. Managed by the Bank of Japan, the yen's value influences global financial markets due to Japan's economic prominence. Understanding the yen and its fluctuations is essential for businesses and investors operating in Japan and beyond. | finance |
https://chapman-petrie.co.uk/author/jeviriepixel-com/ | 2023-11-28T23:17:28 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100016.39/warc/CC-MAIN-20231128214805-20231129004805-00428.warc.gz | 0.963745 | 583 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__43918921 | en | We acted for a private UK investor on the acquisition of this prime Mayfair office investment in 2016. The property is fully let and income producing. The purchase was secured in a competitive process.
We acted for a UK Fund on the acquisition of this prime central Reading office building in 2017. The building comprises c.150,000 sq ft of office space arranged over three interlinking buildings. The property was secured in a selective marketing process for an undisclosed sum.
We have been involved in this pooled London office fund since its inception in 1999, representing the interests of one of the key investors, a UK pension fund. The fund has invested in several trophy office buildings in core markets including Belgrave House, 10 Grosvenor Street and Almack House. At its largest the fund had approximately £800 million assets under management.
Chapman Petrie sold this trophy retail asset on behalf of a UK Pension Fund. The newly developed property was purchased by an UHNW Asian investor for £56 million achieving a substantial premium to valuation.
This trophy retail and office development was acquired on behalf of a UK institution. Since the asset was purchased, rents have doubled whilst there has been substantial yield compression resulting in a significant increase in capital value.
We acted for the purchaser Viridis, on the acquisition of this prime development project in close proximity to Farringdon Station. The asset was acquired in a competitive bidding process from the vendor Nama. The property is still undergoing works to provide a new 140,00 sq ft prime office building.
We recently sold this prime multi let office building on behalf of a major UK institution. The property had been intensively asset managed over the previous 3 years including a full refurbishment and re-letting which had driven value substantially. A sale at in excess of valuation provided our client with a clean, profitable exit and provided vindication of the asset management strategy that had been implemented.
Acting on behalf of a major UK pension fund we agreed the forward funding of this new retail warehouse park. The scheme is pre-let to M & S and Next amongst others and has a projected end value of circa £35 million.
The property was secured at a substantial discount to the Vendor’s valuation and provided our client with a number of immediate value add opportunities through both new lettings, lease renewals and the development of new units. The park is the dominant bulky goods provision for the wealthy local catchment and demand for units on the scheme is very strong offering rental growth opportunities for our client in the future.
We acted for Standard Life on the acquisition of this prime central London foodstore. Comprising c.62,500 sq ft this is one of a few large foodstores in Central London and is let on a long lease to Sainsburys. The asset was acquired in an off market transaction for c.£50M. | finance |
https://isessay.com/blog/financial-report/ | 2021-12-05T17:06:23 | s3://commoncrawl/crawl-data/CC-MAIN-2021-49/segments/1637964363215.8/warc/CC-MAIN-20211205160950-20211205190950-00227.warc.gz | 0.949094 | 1,883 | CC-MAIN-2021-49 | webtext-fineweb__CC-MAIN-2021-49__0__104186752 | en | Academic Writing Complete Guide
Why read academic articles?
Good Academic Scholarship
Exam preparation and Techniques
Businesses, both large and small produce financial reports as a way of showing the directors, stakeholders, and customers their progress, the status quo of the firm and the position in which they are financial. Financial reports are prepared in time for issuance during a specific period of or to publish them and distribute to every stakeholder. As such, the financial report must have substantial details to make it as comprehensive as possible.
Definition of a financial report
This is a formal record of the financial activities and position of an organization, person, or other entity. It is presented in a structured style and is put in a way that is easy to fathom they include the basic financial statements that come with the management discussion and analysis. It has the following features:
- A balance sheet that reports on the company’s liabilities, assets and the owner’s equity at a specific point in time
- A statement of comprehensive income reports on the income of the company, its expenses, and profits over within a given period. If you have a profit and loss statement, you are simply providing information on the operations of the business.
- A statement of retained earnings tackles the changes in equity of the company within the stated period
- A cash flow statement gives information on the company’s cash flow activities especially the activities that touch on investment and financing.
If a large company releases the financial statement, it may be complex and might include footnotes to the financial statements as well as the management discussion and analysis. The notes describe each item on the balance sheet and expand further on the income and cash flow statement. Financial statement notes are essential and integral part if the financial report.
How to write a financial report
It is already clear that a financial report provides information on the financial health of a business or company. It includes a balance sheet, an income statement, as well as a statement of cash flows. These reports are reviewed and analyzed by financial or business managers, boards of directors, financial analysts, investors, as well as government agencies. As such, their preparation and dissemination must be timely, and it must be accurate and flawless.
Preparing a financial report may be daunting, but the accounting involved is not very difficult.
Preparations before writing the financial report
Before you can start writing your financial reports, you have to consider the following:
- Decide on the time frame
You have to know the financial period that your report is going to cover. Most of the financial reports are prepared quarterly although there are companies that demand them to be prepared monthly.
To determine the time that your financial report is supposed to cover, it is crucial to consult the governing review documents of the organization. These can be by-laws, corporate charter, or articles of incorporation. They describe the frequency of the financial reports.
You can also ask an executive within the organization about the frequency of the financial reports. If you happen to the executive of your organization, consider the time that the financial report will be useful to you and take that as your financial report date.
- Scrutinize your ledgers
Ensure that all the contents of your ledgers are updated and well recorded. Your financial report will lack usefulness if the underlying account data is not correct. For instance, you can ensure that all the payable and receivable accounts have been processed, verify that the bank’s reconciliation is full, and establish whether every inventory purchase and product sales have been recorded.
You also have to consider the liabilities of the unrecorded data with regard to the date of the release of your financial report. For instance, identify if the company has received any services that have not been invoiced. Check if there are employees whose wages are yet to be paid. All these will present accurate liabilities and have to be incorporated in the financial statements.
- Collect any missing information
If there is any information missing in your ledgers, track down any important document that you need to ensure that the financial report is accurate and complete.
Preparing the balance sheet
Consider the following steps of preparing your balance sheet:
- Setting up the balance sheet page
This shows the company’s assets, liabilities, and equity accounts. This can be common stock and additional paid-in capital for a given date. The first page of your financial report should be titled as “Balance Sheet,” followed by the name of the organization and the effective date of the balance sheet. The items on a balance sheet are reported by a specific day of the year. For instance, the balance sheet may be prepared as of August 30.
- Format your balance sheet well
Most balance sheets have their assets on the left and liabilities or equity on the right. Others may show assets on top and liabilities or equity below.
- Enumerate your assets
You have to add the title “Assets” in the first section of the balance sheet and then write the list of all the assets that the company owns. You have to start with the current assets like cash and any items that can be converted into money within one year of the date of the balance sheet. Close this section with a subtotal of the current assets.
List the non-current assets that era not in the form of cash and cannot be converted to cash in the near future. Add all the current and the non-current subtotals and title that line as “Total Assets.”
- List your liabilities
This section is labeled as “Liabilities and Equity” and should start with current liabilities due within a year followed by long-term liabilities that cannot be settled in a year. Add them together to create the “Total Liabilities.”
- Enumerate all source of equity
This will show the amount of money the company would get if all the assets were sold off and the liabilities paid off. List all the equity accounts and create the “Total Equity.”
- Add up the equity and liabilities
Sum up the total liabilities and total equity to create the “Total Liabilities and Equity.”
- Check the balance
Ensure that the figures you have calculated from the total assets and total liabilities and equity equal the figures on the balance sheet.
Preparing the income statement
- Set up the income statement page to show the amount of money the company earned and spent in a specific period. Title this page as the “Income Statement” and include the name of the company and the time that the income statement is covering.
- List all sources of revenue and the amounts that were earned. Report on each type of revenue separately and organize them in a manner that is meaningful to the organization.
- Report the costs of all the goods sold. To calculate the cost of goods adds the direct materials, direct labor, factory costs, as well as shipping or delivery expenses. From the total revenue, deduct the cost of goods sold and title this section as “Gross Profit.”
- Record the operation cost. This will incorporate all the expenses necessary for running your business.
- Incorporate retained earnings, which is the sum of all net income or net losses since the inception of the company.
Preparing a statement of cash flow
- Set up your statement of cash flow page and title it “Statement of Cash Flows.” List the company’s name and the period this statement is going to cover.
- Come up with the operating activities section that must correspond to the income statement that is already prepared. Enumerate all the operating activities of the company to arrive at the “Net Cash Provided by Operating Activities.”
- Create an investing section with a title “Cash Flows from Investing Activities.” This should tally with the balance sheet that you have prepared.
- Incorporate financing activities
This is the last section of this page and should be titled “Cash Flows from Financing Activities,” and it relates to the equity part of the balance sheet. It has to show inflows and outflows from securities and debts that are issued by the company.
- Sum up your categories
The three categories in your statement of cash flows should be labeled as the “Increase and Decrease in Cash.” You have the liberty to add the increase and decrease in cash to the cash balance at the beginning of the period. When you sum up these two numbers, they should equal the cash balance depicted on your balance sheet.
- Add any crucial notes or narrative
Every financial statement must include the “Notes to the Financial Statements.” This contains the information that pertains to the company. You have to consider the usefulness of additional information about the finances of the company. The notes can also be about the history of the company, industry information and future plans. This gives you a chance to show the investors the meaning of the report, what it shows and does not show. The investors will see the company through your eyes. | finance |
https://mantracon.org/wioa-assistance-helps-nursing-student-complete-her-degree-and-find-a-great-paying-job/ | 2024-04-24T06:58:01 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296819067.85/warc/CC-MAIN-20240424045636-20240424075636-00188.warc.gz | 0.976157 | 269 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__113309393 | en | Michelle Sanchez reports on her customer. “In April 2018, Elizabeth came to Man-Tra-Con seeking training assistance. Working 30 hours per week and in school full-time, Elizabeth was unable to support herself with her current income. She was determined eligible for WIOA services as a single adult with low income,” Michelle reports.
“When we first met, Elizabeth had enrolled in the Associate Degree Nursing (ADN) program at Rend Lake College (RLC), but needed money to complete her education. Through WIOA training assistance, Elizabeth was able to receive help paying for tuition, fees, textbooks, supplies, and mileage reimbursement. Elizabeth also received assistance while attending the Licensed Practical Nursing program at RLC. This helped Elizabeth work as an LPN, earning a higher wage, while she completed her final semester of the ADN program,” Michelle adds.
“In May 2019, Elizabeth successfully completed her ADN program and passed her board exams. In September 2019, Elizabeth began working as a Registered Nurse for SSM Health St. Mary’s Hospital in Centralia, Illinois. She is currently earning $20.00 per hour and loves her job. Elizabeth also loves that she is able to work very close to home while earning excellent wages,” Michelle says. | finance |
http://familysupportcircle.org/programs/home-community-based-services/community-services-info/ | 2018-07-19T03:39:07 | s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676590493.28/warc/CC-MAIN-20180719031742-20180719051742-00268.warc.gz | 0.9198 | 245 | CC-MAIN-2018-30 | webtext-fineweb__CC-MAIN-2018-30__0__22298314 | en | Family Support Circle, Inc. receives donations from local businesses to run our Food Pantry. It is opened year-round to the members of our community that are in need of assistance.
Cooking Matters Classes with Open Hand Atlanta
Family Support Circle, Inc. recently partnered with Open Hand Atlanta in providing our Community-Based Programs with Cooking Matters Classes.
The Cooking Matters Classes is a groundbreaking cooking-based nutrition education program that teaches low-income families how to prepare healthy, tasty meals on a limited budget. The six-week hands-on instruction is led by volunteer professional chefs and nutritionists.
Annual Holiday Toy Give-Away with Toys-R-Us
Every year, Family Support Circle partners with Toys-R-Us to provide low-income families with Christmas Gifts so that every child can have a blessed Christmas.
Financial Leadership Workshop with Wells Fargo Bank of Stockbridge
Every year, Family Support Circle partners with Wells Fargo Bank to provide the community with a free Financial Leadership Workshop. Wells Fargo Stockbridge Store Manager, Shomari Furtch, donates his time to talk to the families of the community about Financial Responsibilities and the best way to build up and maintain credit scores. | finance |
https://ctfog.org/join-cfog/thank-you-for-your-program-donation/ | 2024-03-01T08:33:27 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947475203.41/warc/CC-MAIN-20240301062009-20240301092009-00096.warc.gz | 0.932793 | 131 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__123086585 | en | Thank you for your support of the Connecticut Foundation for Open Government programs!
The Connecticut Foundation for Open Government is a 501(c)(3) nonprofit organization. If you provided your contact information, you will receive a letter or an email at the end of the year acknowledging your contribution and certifying that you have made this donation as a charitable contribution and that you are not receiving any goods or services in return. Your donation is tax deductible to the extent allowed by law.
Your support of the Foundation is an investment in protecting your right of access to government meetings and records and will help us achieve our goal of advancing Connecticut’s open government laws! | finance |
https://ncha-qa.clarityclient.com/about-us/news/2021/09/29/2022-futurity-updates | 2022-12-08T18:52:05 | s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446711360.27/warc/CC-MAIN-20221208183130-20221208213130-00603.warc.gz | 0.93459 | 359 | CC-MAIN-2022-49 | webtext-fineweb__CC-MAIN-2022-49__0__27066869 | en | NCHA ANNOUNCES NEW ENTRY STRUCTURE FOR THE 2022 WORLD CHAMPIONSHIP FUTURITY
FORT WORTH – The National Cutting Horse Association is pleased to announce a new entry structure, modified payment schedule and significantly reduced late payment penalties for the 2022 NCHA Metallic Cat World Championship Futurity.
Open horses have a single-entry fee of $3,300 that will automatically enter horses in the Open, Intermediate Open, and Limited Open levels based on the eligibility of the rider.
Non-Pro entries will have the same single-entry structure, with a fee of $2,900. Riders will be automatically entered based on their eligibility into Non-Pro, Intermediate Non-Pro, and Limited Non-Pro levels.
Eligibility levels are based on the current NCHA leveling structure. For information regarding the leveling earnings thresholds and to check a rider’s eligibility, visit nchacutting.com/leveling.
The revised payment schedule includes four payments, reduced from the historic six payments. The updated payment schedule is as follows: November 1, 2021; January 3, 2022; August 1, 2022; and October 3, 2022. In addition, a 10 percent discount on entries paid in full is available. This discount also applies to horses sold through the NCHA Western Bloodstock sales.
Penalties that have historically been as much as five times the entry fee are now limited to two times the payment throughout the entire entry timeline.
Amateur first payments are due on August 1, 2022, followed by October 3, 2022. Additional details on the Amateur entry structure will be forthcoming.
For more information on the 2022 NCHA World Championship Futurity, visit nchacutting.com/futurity. | finance |
https://markomlikota.github.io/ | 2023-09-22T20:55:58 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506423.70/warc/CC-MAIN-20230922202444-20230922232444-00795.warc.gz | 0.90533 | 982 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__244220240 | en | I’m an assistant professor at the Geneva Graduate Institute (Institut de hautes études internationales et du développement, IHEID).
My research interests are in time series econometrics and empirical macroeconomics. In particular, I’m interested in the relation between economic dynamics and networks (think of prices across industries linked by supply chain relationships, or economic activity across countries linked via trade and capital flows).
We assess why a dominant currency in international trade invoicing can be replaced with another by contrasting two hypotheses stressed in recent theory: increased trade and reduced exchange rate volatility vis-à-vis the emergent dominant currency area. Our study focuses on 13 European economies that saw marked increases in the use of the euro at the expense of the US dollar for trade invoicing. We show how theory maps itself into a network which links together invoicing currency decisions across countries and develop a fitting Panel-Vector autoregression to jointly model invoicing, trade and exchange rate volatility dynamics across countries, while allowing for cross-country effects emphasized in theory. We identify for each country a “trade shock” and an “exchange rate volatility shock”, finding significant evidence in support of the increased trade hypothesis. Our estimates suggest that in countries where trade with the Euro Area increased, the latter explains almost 40% of the rise in euro invoicing from 1999 to 2019. In contrast, the impact of greater exchange rate stability against the euro is found to be insignificant. Importantly, a country’s invoicing decision is significantly influenced by those of other countries within the regional trade network. This effect operates mainly via bilateral trade linkages rather than strategic complementarities in export price setting, which point to the relevance of changes to input-output linkages in making or breaking dominant currencies.
Many environments in economics feature a cross-section of units linked by bilateral ties. I develop a framework for studying dynamics of cross-sectional variables exploiting this network structure. It is a vector autoregression in which innovations transmit cross-sectionally only via bilateral links and which can accommodate rich patterns of how network effects of higher order accumulate over time. The model can be used to estimate dynamic network effects, with the network given or inferred from dynamic cross-correlations in the data. It also offers a dimensionality-reduction technique for modeling (cross-sectional) processes, owing to networks' ability to summarize complex relations among units by relatively few non-zero bilateral links. In a first application, I estimate how sectoral productivity shocks transmit along supply chain linkages and affect dynamics of sectoral prices in the US economy. The analysis suggests that network positions can rationalize not only the strength of a sector's impact on aggregates, but also its timing. In a second application, I model industrial production growth across 44 countries by assuming global business cycles are driven by bilateral links which I estimate. This reduces out-of-sample mean squared errors by up to 23% relative to a principal components factor model.
Modern macroeconometrics often relies on time series models for which it is time-consuming to evaluate the likelihood function. We demonstrate how Bayesian computations for such models can be drastically accelerated by reweighting and mutating posterior draws from an approximating model that allows for fast likelihood evaluations, into posterior draws from the model of interest, using a sequential Monte Carlo (SMC) algorithm. We apply the technique to the estimation of a vector autoregression with stochastic volatility and two nonlinear dynamic stochastic general equilibrium models. The runtime reductions we obtain range from 27% to 88%.
We develop a structural VAR in which an occasionally-binding constraint generates censoring of one of the dependent variables. Once the censoring mechanism is triggered, we allow some of the coefficients for the remaining variables to change. We show that a necessary condition for a unique reduced form is that regression functions for the non-censored variables are continuous at the censoring point and that parameters satisfy some mild restrictions. In our application the censored variable is a nominal interest rate constrained by an effective lower bound (ELB). According to our estimates based on U.S. data, once the ELB becomes binding, the coefficients in the inflation equation change significantly, which translates into a change of the inflation responses to (unconventional) monetary policy and demand shocks. Our results suggest that the presence of the ELB is indeed empirically relevant for the propagation of shocks. We also obtain a shadow interest rate that shows a significant accommodation in the early phase of the Great Recession, followed by a mild and steady accommodation until liftoff in 2016. | finance |
https://tuurdemeester.medium.com/7-lessons-a-talk-in-buenos-aires-f03febbbb92b?source=user_profile---------0---------------------------- | 2024-04-15T12:05:58 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816977.38/warc/CC-MAIN-20240415111434-20240415141434-00494.warc.gz | 0.94909 | 3,148 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__157271179 | en | This is a republication of the notes, slides, and video of my Dec 7, 2013 presentation at LabitConf Buenos Aires.
Originally Presented Dec. 7, 2013 at laBITconf Buenos Aires
Over the last two years, I spent eight months living in Argentina and Chile, and actually, it was here in Buenos Aires that my friends taught me about Bitcoin. They called it ‘La Moneda del Futuro’, and it was their great passion that infected me with the ‘Bitcoin virus.’
Actually, the true meaning of this Bitcoin-revolution only recently started dawning on me, and that is that Bitcoin marks the end of monetary apartheid. Let me repeat that: Bitcoin marks the end of monetary apartheid. It is the end of financial discrimination and segregation based on nationality and political privilege.
In the economy of Satoshi Nakamoto, there are no artificial barriers to entry, you are not asked for any papers, there are no unnatural restrictions preventing mutually beneficial transactions. Basically, if you’ve got value to offer, you’re in business!
This process of value creation has been happening for nearly 5 years now- and how far have we come in such a short period of time!
Since I started recommending Bitcoin as an investment, in late 2011, there was one single question people kept asking me again and again: “why the hell should I invest in Bitcoin?”
However, with the tremendous growth we’ve seen and ever more opinion leaders expressing their admiration for this technology, the mentality is clearly changing, and the main question that I get now, is “Please tell me, how in the world can I invest in Bitcoin?” And that’s exactly the question that I’ve been asking myself for all this time.
So in this presentation I’ve boiled down some of the insights that I think are useful into a couple of lessons. Please don’t take them as the ten commandments, but rather a humble starting point for discussion. That said, I think they have merit and it’s these ideas that inform my own investment strategy.
1. First, and most importantly: Do Your Homework
If you consider investing in Bitcoin, do your very best to deeply understand what you are dealing with.
To invest in Bitcoin without understanding it, is like being in the middle of the ocean on a boat and not understanding your position and what the currents are. — Bitcoin is not just a vehicle for speculation, — it’s not just a currency, — it’s not just a commodity, — it’s not just a better version of paypal or western union, — it’s not just a cheaper way of transacting financially, either … Bitcoin is all of the above, and more The best way to describe Satoshi Nakamoto’s value proposition is probably to say that we are dealing with a:
…globally distributed… …digital protocol… …for trustless and easily verifiable… …information synchronisation and… …property allocation.
Let’s go over this definition word by word:
- “global” means that anyone in the world can use it;
- “digital” means that it’s super fast and nearly free;
- “protocol” means that it is carefully constructed and approved by many;
- “trustless” means that it’s extremely reliable & not dependent on third parties;
- “information synchronisation” means that it can host and secure any type of contract imaginable;
- and “property allocation” means that you can use it to determine your ownership of money or economic goods, and that you can use the network to transport property to anyone you want at any time.
So this is Satoshi’s gift to the world, an amazing network and community for the storage and exchange of value. And the only way to transact on that network, is by making use of digital currency units called “bitcoins”, of which there will only ever be 21 million in circulation. That is what makes these bitcoins so very special as an investment.
And this is why, when you become familiar with the Bitcoin culture, you’ll bump into phrases like “one never sells all of his bitcoins”, or: “To the moon!” — pointing out the enormous long term potential of this technology.
Indeed, people who have a profound understanding of Bitcoin, realize that their decision to start acquiring some coins might very well be the most important investment they will ever make.
2. Don’t make things too complicated: first and foremost, focus on acquiring some coins
As I said, the real value of Bitcoin lies in the size and quality of its network. Sure there are many other decentralized digital currencies around nowadays, but the one with the largest and most sophisticated community surrounding it, by a clear mile, is Bitcoin itself.
So if you think the technology developed by Satoshi is something worth investing in, go out there and simply buy some bitcoins, or some millibitcoins, as they are called these days. Apart from the coins itself, it is also possible to invest in the ecosystem that is developing around Bitcoin: exchanges, merchant services, mining companies, escrow services, and more. It is definitely true that there are many brilliant entrepreneurs active in this ecosystem by now, and some of them created businesses that are growing very fast. However if you plan to invest, keep in mind that the Bitcoin network is designed to be a super lightweight, very open environment allowing people to transact directly with one another. That’s the essence of a peer to peer currency: it cuts out the middle man, reducing overhead to almost zero. So in other words, if you go out and invest in too many Bitcoin middle men, you might end up empty handed, or at least with less than if you had just invested in coins. It is very hard to outperform an average growth of +1000% per year, so by all means consider these periphery investments, just don’t go crazy on them.
3. Security, security, security
I’m going to keep this one very brief. If you invest in an asset with low third party risk, the implication of that is that nobody is taking care of you. You are responsible for the safe storage of your coins, and nobody else. So do your research and take some time to set up a secure way to store your investment for the long run.
4. Don’t overestimate the impact of politics
In every practical sense of the word, Bitcoin is a global and nongeographical phenomenon. From the perspective of governments, it is like water: try to grasp it in your hands, and it flows to another place out of your reach. That’s why in general, political events will be overestimated in their eventual impact.
We’ve seen the seizure of the Silk Road for example, which caused BTC to drop from $125 to $85 overnight. Well, 3 days later the price was back up — the heist turned out to be a non-event. Given that many people (especially in the West) are very fearful of government and tend to overestimate its actual reach, I think that negative political shocks affecting Bitcoin are actually buying opportunities.
5. Mass Psychology : understand and ride the wave
To keep with our sailing analogy, there are fundamental currents that drive the Bitcoin ship, but there are also waves and wind, which have a strong short term impact.
When Bitcoin experiences a series of positive shocks (maybe a celebrity endorsement, like the one of Richard Branson recently, or a major retailer deciding to accept it), that leads to a lot of media exposure and usually a big rally in the price.
The rapid growth in price however, eventually puts stress on the bitcoin ecosystem, and inevitably a sort of crisis develops. The new investors panic, and the cycle enters the ‘bust’ phase. (This is the phase where Bitcoin ignoramuses triumphantly shout from all the rooftops: ‘The Bubble has popped!’.)
In order to survive the volatility in Bitcoin, it’s very important to be aware of this dynamic of mass psychology. Map out a strategy for yourself and try to stick with it, in order to avoid being swept away by the emotion of the moment.
6. Understand the interaction of all things Crypto
Recently there was a lot of news about the huge rally in Litecoin and the other alternative cryptocurrencies. And then when Bitcoin went down a bit, the altcoins dropped much more in percentage terms. Someone on reddit said “when Bitcoin sneezes, the altcoins catch a cold”.
Well I think there is a logic to the madness, and it looks a little like this:
This diagram is a model of how liquidity flows through the Bitcoin ecosystem. On the left there is a huge tank of Fiat money. When the sentiment around Bitcoin is positive, money flows from the Fiat-tank into the Bitcoin ecosystem.
First, people spend fiat money to buy bitcoins and the value goes up. If it looks like that they can make more money by buying mining equipment, they will also spend dollars buying Bitcoin mining rigs. As the rally continues, the new adopters are bummed out that they have to buy bitcoins at such a ‘high price’ and they start buying litecoin, peercoin, terracoin and the other alternatives to Bitcoin.
In that sense, we could say that the altcoin markets serve as a pressure valve for Bitcoin.
The same happens with the mining market: when bitcoin prices rise, the cost of mining equipment expressed in bitcoin drops, and bitcoin savers buy more mining rigs. When that happens, mining hardware manufacturers are given the signal to speed up production.
At some point however, the sentiment around Bitcoin begins to turn again, and the value of Bitcoin stagnates or declines. Because the markets for the altcoins hardly have any US dollar-liquidity, people exchange their altcoins for bitcoin, leading to a very quick decline in value in the altcoin markets. And in the bitcoin mining sector, at some point investors will figure that the massive investments in extra capacity have put a lot of pressure on the profitability of individual machines. Enthusiasm drops, and the stream of investments dries up — to stay with our diagram: the bucket starts overflowing and no longer seems to reward new investments.
However this perception can be misleading, because, like what happened in september and october this year, the market did not take into account that Bitcoin might actually rally again, bringing the yield of mining machines back into positive territory.
So what is the investor to make of this dynamic?
A possible trading strategy based on this model is to basically be a contrarian:
- When do you invest in Bitcoin mining? When nobody thinks it is profitable anymore.
- When do you diversify into altcoins? When Bitcoin is entering a new hype phase in the media and the price starts rising.
- When do you sell your altcoins for Bitcoin? Well, when these are hyped as well, and are breaking records valuations compared to Bitcoin.
Personally I recommend trading with very conservative amounts, because you are exposing yourself to a lot of risk by moving in and out of these currency exchanges.
7. Invest what you feel comfortable with
Despite the attention that Bitcoin is getting in the media, it is clear that we are still in early phases of Bitcoin adoption. Merrill Lynch estimates that today not even 3 million people are to some extent savers in Bitcoin. That’s about one in every 1000 internet users, and one for every 1500 mobile phone users. And the market cap of Bitcoin is now around $10 billion. That’s a small fraction of every market that it could potentially disrupt.
To give an idea: the size of the remittance market is $500 billion; the e-commerce market is $1000 billion large; the US financial services industry alone is $1300 billion in size, the money supply in high inflation countries (+6%) is over $4000 billion, the value of all paper money banknotes is about $4500 billion; the size of the physical gold market is some $7000 billion; foreign currency reserves (which Bitcoin could replace) are also $7000 billion; … you get the picture.
These are all market places that Bitcoin technology has the power to completely disrupt, and each time this happens it will put rocket fuel under the price of the Bitcoin currency.
What does this mean for the investor?
Well, that we shouldn’t be afraid of estimating the future potential value of one bitcoin in the range of $100,000 to $1 million. In other words, the risk/reward ratio of Bitcoin is still extremely positive.
Yes, there are scenario’s thinkable in which Bitcoin as a currency would fail — but the potential upside if it keeps growing like it does today is simply spectacular.
That’s why I recommend investing with a conservative amount of one’s portfolio: say 1–10%, depending on your risk profile and on how much volatility you can stomach.
In conclusion: no need to bet the farm on Bitcoin, feel free to invest with what you personally feel comfortable with.
— That’s it, these are my seven lessons on how to invest in Bitcoin.
In closing here, I just want to express why I’m so very optimistic about Bitcoin in Latin America.
Everywhere I go in Europe or the US I feel many young people suffer from a phenomenon called ‘pronoia’ — they believe in a conspiracy of people, especially politicians, aimed at helping them. Young people tell me: “I’m not too worried, the state will surely find a solution for the debt problem.” They tell me: “Politicians will secure our deposits, they will find a way to contain inflation and keep the banks open. And the government will also find a way to keep paying for our pensions, our health care, my children’s education, etcetera.”
I find that the young people of Latin America suffer a lot less from this pronoia disease. They instinctively know that the answer to the question of their economic well being lies not in the decision of some government official, but in their own entrepreneurship, in their own imagination, in their own effort and initiatives.
Talking about this country in specific: right now things may look pretty bleak, but I think Argentina has amazing potential for economic prosperity. Yes, the old days can come back, when Buenos Aires was on equal footing with Paris and New York, and in many ways actually, life can become much better than it was then.
There is a tremendous amount of value in this country, that’s just obvious, and I think Bitcoin, which is the first truly global language of finance, Bitcoin will play an important role in helping to unlock that value.
Post Scriptum: Here’s a short interview I did for ElBitcoin during the conference, who then published it on their website. | finance |
https://letterdrop.com/blog/marketing-budgets-in-a-downturn | 2023-10-02T20:37:53 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511021.4/warc/CC-MAIN-20231002200740-20231002230740-00443.warc.gz | 0.962829 | 2,173 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__170085449 | en | Why You Shouldn't Cut Your Marketing Budget in a Downturn
CEO of Letterdrop, former Product Manager on Google Search
Marketing is an investment. When done right, it directly contributes to your topline revenue.
Historically, in the face of a downturn, companies often panic and slash their spend, including on marketing, to stay afloat during a recession.
That seems to make sense, right? Tighten your belt and batten down the hatches?
Companies are heavily cutting marketing budgets in 2022 with the recession.
What if I told you that a downturn is actually the time to step forward and shine?
You don't sell when people are panicking — you dig in and invest more. This is traditional investing advice. There's a land grab opportunity to buy assets (or acquire customers) for cheap when others are exiting the market out of fear.
“Be fearful when others are greedy, and greedy when others are fearful.” —Warren Buffet
In previous recessions, businesses that thrivedtook action early, had a long-term vision, and focused on both growth and operational efficiency. When the market is down, a grow-at-all-costs mentality has to be thrown out since capital is a scarce resource. You also don't want to overcorrect and cut spending on things that drive growth.
Let’s dive deeper to learn how businesses not only survived but also thrived in previous recessions.
Why Invest in Marketing During a Recession?
2008 was bad. The U.S. housing bubble burst. Predatory lending and banks taking big risks on a global scale brewed the perfect storm that resulted in the worst economic crisis since 1929.
Researchers have analyzed past recessions to understand what worked and didn't, both in 2008 and 1985. The results were surprising.
For example, McGraw-Hill Research analyzed 600 B2B companies and found that companies that had advertised aggressively during the 1985 crash grew 275% over those that hadn't.
"According to our research, companies that master the delicate balance between cutting costs to survive today and investing to grow tomorrow do well after a recession... These companies reduce costs selectively by focusing more on operational efficiency than their rivals do, even as they invest relatively comprehensively in the future by spending on marketing." —Ranjay Gulati,Nitin Nohria, and Franz Wohlgezogen
Four Ways B2B Companies React to Recessions
B2B companies approach recessions in different ways. Some hunker down and turtle. They try to patiently survive and ride it out. Others ignore the signs and continue with their old plan... which is never good. The best companies recognize growth opportunities, even if these aren't as rapid as during boom times.
1. The Prevention-Focused Approach
The prevention-focused approach attempts to avoid losses and cut back on operational costs — decreasing headcount to boot. This strategy slams on the brakes and dials down their expenditure on everything. Customer experience suffers due to lowering the quality of operation. The company is trying to do more with less. Marketing gets tanked.
For a startup, this seemingly safe approach is dangerous because the outcome is being forgotten.
You're not big enough to survive being forgotten. Only the big guys can afford this. They just need to stick it out.
2. The Promotion-Focused Approach
With the promotion-focused approach, companies encourage an optimistic culture and ignore the realities of a recession. While this encourages a growth-oriented mindset, the downside to this strategy is that being blind to the early signs of a financial downturn and not reacting can kill your business.
A culture of unwarranted optimism can spread through a company, hampering critical thought during a recession. Bloated budgets are cut too late, and the business suffers or fails.
3. The Pragmatic-Focused Approach
The Pragmatic strategy recognizes that cost-cutting is necessary to survive a recession. However, there's still a focus on driving growth, although slower than during boom times — survival is as important as growth during a recession. The only issue is that companies might cut costs and invest in the wrong areas. That's where the final approach comes in.
4. The Progressive-Focused Approach
These companies are a refined version of the Pragmatic ones. They're selective about their offensive and defensive moves. Progressive companies cut costs by improving operational efficiency and minimally cutting bloated headcounts. It's not just a mass reduction in spend throughout.
They also recognize the growth opportunity that is opened up for them when their competition picks one of the first two approaches. Progressive companies outspend their rivals on both R&D and marketing in strategic areas that will get them ahead in the long term. Their goal is not only surviving the recession but also to use it as an opportunity to come out ahead.
Let's look at the odds a company will outperform its rivals by adopting one of these strategies:
TL;DR? The right answer is number 4. Spend on marketing during an economic downturn. Only cut on cost centers.
Applying a Progressive-Focused Marketing Strategy
Competitors in your space are making moves. They'll take one of the above approaches. You need to have a plan of action.
Move Ahead when Your Competitors Take a Step Back on Marketing
During a downturn, some of your competitors willscale back their marketing efforts oreven stop them altogether. Don't follow their lead.
Your competitors scaling back presents you an opportunity to gain market share. If your competitors are not investing in marketing, they're effectively giving you space to expand — it's like a free pass for you to attract more customers.
While your competitors are cutting back on their marketing spend, pursuing new, more efficient marketing strategies allows you to gain market share. Now is the time to invest in long-term growth initiatives like content marketing. You can run successful marketing campaigns even if you don't have a massive budget.
Also, some of your competitors will continue to invest in marketing even during a downturn. If you cut your budget and your competitors increase theirs, you're the one making space for someone else. Marketing abhors a vacuum.
Communicate the Value of Your Product or Service During a Recession
Your current clients or customers will change their spending habits. During a recession, people are generally more conservative with their spending, focusing on necessities.
Communicate the need for your products or services. Position yourself as anecessity, not a luxury. Adjust your marketing to demonstrate that your product or service fulfills client needs, not wants. If your customers see a positive ROI from your offering—it helps them increase revenue profitably or cut costs—you'll make a very strong case.
Take Mailchimp, for example. During the 2008 recession, Mailchimp introduced its freemium business model — giving away basic features for free and only charging for premium features. This strategy from Mailchimp helped them acquire new customers andincrease revenue. Freemium gave clients what they needed. Premium gave them what they wanted.
Lean into ROI-based marketing campaigns to show how your product or service makes money for your customers, even during an economic downturn. Use case studies to demonstrate how you help other customers move key business metrics that can keep their company afloat. Show your audience how you're indispensable. It's doubly important during a recession.
Read the Room — Be Helpful. Last Year's Message Isn't This Year's
If you continue to use the same marketing message without considering how your customer's needs and situations have changed, you will annoy them, and they will tune you out.
You can't afford that.
Instead, try to provide value and help customers get through tough timeswith you. Build trust with your customers and increase lifetime value — through and beyond the recession.
By providing value and becoming a source of solutions, you can create a bond with your customers that will make them want to continue doing business with you — even during tough economic times.
Ride Through the Shift in Product Demand
Demand for your product may have shifted.
Clients may be looking for cheaper alternatives to what you currently offer. They may also be looking for products that serve a different purpose from what they originally bought them for.
Your marketing needs to take these shifts in demand into account. Adjust your messaging and positioning to reflect the new needs of your target market.
Zeus Living, a property management company, offers apartments and homes for rent to startups, students, and companies living in U.S. cities.
Then the rental-housing market crashed in 2020 during the COVID pandemic. Zeus had difficulty keeping their business running. They lost tens of millions of dollars in revenue and had to lay off 60% of their employees.
Zeus Living saw an opportunity in the market crash and decided to ride through the shift in demand. They worked tirelessly to modify their product to satisfy the new market. They understood their target market wanted to livea more flexible, mobile, and asset-light lifestyle.
Zeus Living shifted its focus to accommodate remote work:
"Work From Anywhere' was becoming our main use case, and we had to figure out how to adapt. Residents were telling us that living with us was a better option than corporate housing, more flexible than short-term housing, and more appealing and easier than the unfurnished rental market." —Kulveer Taggar, CEO and co-founder of Zeus Living
From there, they decided to add third-party homes to their platform to meet the demands of their customers in Miami, Denver, and Austin.
Even though your instincts might tell you to cut your marketing footprint during a downturn, companies that continue to invest in marketing and make adjustments instead of cutting will see a long-term increase in sales and market share.
Marketing isn't acost center. It's an opportunity to show your customers how you can help them survive and even thrive. If anything, it's a high-ROI profit driver when used strategically. If your marketing budgetis cut down, content marketing — blog and social posts — keeps you on your customers' radar at a low cost.
Refocusing your marketing approach may be the smartest thing you can do for your business during an economic downturn.
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Oops! Something went wrong while submitting the form. | finance |
http://usd.mconvert.net/nzd/140 | 2018-02-18T01:34:16 | s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891811243.29/warc/CC-MAIN-20180218003946-20180218023946-00309.warc.gz | 0.76788 | 127 | CC-MAIN-2018-09 | webtext-fineweb__CC-MAIN-2018-09__0__5462991 | en | You have converted 140 USD to NZD: 189,47 New Zealand Dollars. For this operation we used International Currency Rate: 1.35336. The result will appear with every reload of the page. You can convert US Dollars to other different currencies with the form on right sidebar. If you want to know money equivalents of 140 US Dollar in other currencies see "In other currencies".
Convert currency 140 USD to NZD. How much 140 US Dollars to New Zealand Dollar? — 189,47 New Zealand Dollars
On this chart displays history of exchange rate for USD/NZD or (US Dollar / New Zealand Dollar) | finance |
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