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https://www.amdgservices.com/schedule-appointment | 2021-08-05T17:15:41 | s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046156141.29/warc/CC-MAIN-20210805161906-20210805191906-00513.warc.gz | 0.922935 | 124 | CC-MAIN-2021-31 | webtext-fineweb__CC-MAIN-2021-31__0__50298578 | en | Take the First Step.
Schedule your complimentary consultation today!
With clients in more than 20 states, AMDG Financial works with clients in person, via video conference, or by telephone to help you on your journey to financial well-being. Our Fiduciary GPSSM process helps us:
- Learn about your goals and objectives;
- Review your financial situation; and
- Answer your questions about financial advice.
These initial meetings enable you to see us at work before you commit to a relationship with our firm. To get started, just complete this form! We'll be in touch shortly. | finance |
https://www.loyera.com/should-you-use-a-free-billing-software/ | 2023-12-01T03:55:19 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100264.9/warc/CC-MAIN-20231201021234-20231201051234-00724.warc.gz | 0.921037 | 636 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__180808330 | en | Businesses, small or large, prefer getting value for money and time. Therefore, whether a software is paid or free matters less and the value it generates for the business matters more.
It’s all about the returns you get after investing your money or effort in implementation and usage of a POS or billing software.
A free billing software is, at times, risky to use, if it requires a lot of training, expansion cost, and installation cost & effort.
However, if you choose wisely, you can find a free point of sale software that is worth your time and effort. Free software like Loyera are customizable, scalable, hardware-independent and cloud-based, enabling efficiency.
Here are a few situations when it is justified to use a Free Billing Software for your business.
Testing the waters
If you are just starting out to use a billing software and do not know what to expect, then you can start with a free billing software. Just do some background research to ensure that your chosen free software is capable of customization, business & operations scaling, and performing other essential POS activities.
If you are familiar with how POS and billing software work, then it is advisable to not bother much about the cost of subscribing to a POS software and focus on the returns a POS software is capable of generating for your company.
Free Billing Software that can be scaled
It is important to ensure that the free POS software you choose will enable you to increase your product range, business activities, staff members, business locations, etc. without any limit. For example, Loyera allows businesses to add unlimited products, product categories, stock, store branches, and staff IDs to the POS system.
If your chosen software restricts your usage due to its inherent features, limited server capability, and high cost, then it can be detrimental to the growth of your business. It is wise to stay away from a restrictive free billing software.
Value for money and time
Even if your chosen POS system is free, it should offer you value for money and time spent to implement and use it. Value generated by a billing software can be measured by assessing acceleration in increase of revenue, improved efficiency in sales and operations, rate of optimization of inventory management, and improved revenue management.
If your free POS software is costing a lot in terms of hardware required to run it, staff training, reduced or no improvement in efficiency, and software replacement in case of non-scalability, then it is recommended to not purchase that free software.
Essential POS features
You can choose to go for a free software as long as it offers all the essential features that a POS software should offer in today’s tech-advanced world. The essential features you should be looking for include customer data creation, data analysis, revenue management, inventory management, order management, and compatibility with different payment modes.
If you find these features missing in your chosen free software, then you can do more research on available POS systems. There are free billing software like Loyera, which offer all essential functionalities with room for customization and scalability. | finance |
http://servicechargesettlement.com/ | 2018-01-22T12:25:08 | s3://commoncrawl/crawl-data/CC-MAIN-2018-05/segments/1516084891316.80/warc/CC-MAIN-20180122113633-20180122133633-00059.warc.gz | 0.941595 | 484 | CC-MAIN-2018-05 | webtext-fineweb__CC-MAIN-2018-05__0__93687391 | en | DO NOT CONTACT THE COURT OR CERTEGY WITH QUESTIONS. FOR IMMEDIATE RESPONSES TO QUESTIONS, PLEASE CALL THE CLAIMS ADMINISTRATOR TOLL FREE AT 1 (888) 404-8013.
If you have paid a service charge or processing fee to Certegy Payment Recovery Services, Inc. (“CPRS”) in connection with a returned check between January 2004 and March 2009, a consumer class action settlement may resolve your legal claim.
A lawsuit was filed by a class of consumers in the states of Texas, Hawaii, Montana, Oregon and Kentucky who received collection notices from CPRS and paid a service charge or processing fee to CPRS in connection with a personal check returned for insufficient funds.
A settlement has now been reached with CPRS regarding those charges and fees. Under the terms of that settlement, a monetary payment will be made by CPRS in exchange for a release of all class members' claims against it under 15 U.S.C. § 1692f. It is proposed that the net proceeds of that payment, be distributed to the Attorneys General of the respective states in the percentages set forth in the Settlement Agreement.
Note: You will NOT receive a monetary payment from the settlement. Due to damage limitations under the federal laws at issue, and given the large number of class members, the net monetary payment will not be enough to provide individualized monetary relief to class members. Instead, the Settlement Agreement provides that modest monetary payments will be made to the Attorneys General in the states where class members reside. The Attorneys General will use those funds for consumer protection education and enforcement activities.
Your Legal Rights and Options:
If you are included in the settlement, you have legal rights and options. If you did not want to be legally bound by the settlement, you must have excluded yourself by January 11, 2010. Objections to the settlement must have been filed by January 11, 2010. The Court will hold a hearing on February 1, 2010 to consider whether to approve the settlement.
More information is available in the Settlement Agreement, or by calling 1-866-358-3492.
|January 11, 2010
|Request for Exclusion Deadline|
|January 11, 2010
|Objection Filing Deadline|
|February 1, 2010||Final Approval Hearing| | finance |
https://www.hdfs.hs.iastate.edu/careers/?id=horstman&submission_cnt=1 | 2020-04-09T19:44:30 | s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585371876625.96/warc/CC-MAIN-20200409185507-20200409220007-00002.warc.gz | 0.974876 | 303 | CC-MAIN-2020-16 | webtext-fineweb__CC-MAIN-2020-16__0__186546446 | en | Major: Financial Counseling and Planning
Type of experience: Internship
Company/Organization: First National Bank
Company/Organization website: https://www.fnbames.com/home/home
Title: Loan Operations Intern
Destination: Ames, IA
Timeframe: August 3, 2015- December 31, 2015
Advisor/Coordinator Email: [email protected]
I was responsible for...
During my internship my main responsibility was quality control of loan documents. I made sure that our loans met compliance standards and followed up with the appropriate loan officer, agency, and my supervisor to correct any issues that I found. I also learned and completed loan processor duties such as entering in data and preparing loan documents.
I will never forget...
I have worked for First National bank for almost 2 1/2 years but just started as in intern in August of this year. There are a lot of people that I knew of that worked there but never had any interaction with. I think the most memorable part of my internship was growing closer to my coworkers and hearing all of the compliments from them, especially the bank president, vice presidents, as well as my supervisor.
Advice for others...
My advice would be to have an open mind about different opportunities available to you. My internship wasn't directly related to my major but I still enjoyed my experience and learned a lot of valuable things from it including responsibility, communication skills, and professionalism. | finance |
https://www.agxhearing.com/2012/03/14/why-do-hearing-aids-cost-so-much/ | 2024-03-05T08:14:52 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707948223038.94/warc/CC-MAIN-20240305060427-20240305090427-00524.warc.gz | 0.954885 | 973 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__114515939 | en | When I talk with patients or family members who have hearing loss, I hear a lot of grousing about the cost of the hearing aids purchased. I mean, those hearing aids are so TINY, they look so fragile… and you’re telling me they cost HOW much?! Sound familiar?
Consumers seeking hearing healthcare help are often surprised at the cost of today’s sophisticated hearing technology. And that’s understandable. A high-quality digital hearing aid usually costs between $1000 and $3000, sometimes more when paired with sophisticated bluetooth technology or other assistive listening devices. And in Alabama, hearing devices are also subject to sales tax.
So, is this investment worth it? When assessing the value of hearing aids, it’s important to consider the many market variables inherent to pricing, including the following:
- Hearing aids are medically regulated devices. As such, the manufacturers who produce these devices are subject to regulation by many organizations, including the FDA, FTC, and FCC. Like many other products in the U. S. marketplace, having to meet regulation specifications by governmental agencies seldom lowers costs, and almost assuredly raises them. As regulated devices, the cost of the research and development (AKA “R & D”) required to bring these products to market is significant, and it results in products being more pricey.
- What does R & D cost, and why is it so important? Consider that the “Big Six” (or the top six hearing aid manufacturers in the U.S. today) spend roughly $500,000,000 annually on R & D, which is quite a lot. To be precise, that figure is 14% of their combined budgets. To put this into perspective, let’s do a percentage comparison. All of us would concede that Apple is certainly cranking out state-of-the-art technology, and undoubtedly this costs the company in terms of product research and development, but by comparison, Apple expends only 2% of its total budget for R & D.
- Remember that to date, hearing aids are the only medical devices that involve coupling an electronic device to a sensory organ. This is not an easy task. Today’s instrumentation is incredibly sophisticated, with increased chip speed and capability. Today’s hearing devices are certainly not your grandmother’s hearing aid! Nevertheless, this type of electronic capability comes with a price: It’s expensive to bring these products to market, and market share remains limited.
- Hearing aids still have a fairly low market penetration. Of the 37 million Americans who might benefit from amplification, only about 1 in 5 actually utilize the available hearing technology. We have not seen the same price reductions that are inherent to widely used electronic devices like TVs, computers, cellphones, etc. found in virtually every household. So, what’s the result? Without sufficient market penetration, the product pricing remains higher for everyone.
- The price you are quoted for hearing aids is seldom unbundled — this means that the cost for services of the audiologist or hearing healthcare provider, warranties, repair coverage, etc. is usually bundled into the price. Consumers often forget that there are dispensing fees inherent to well-fit hearing devices. Are these fees worth it? To answer that question, we need only consider success rates (or lack thereof) for some of the unbundled personal sound amplification products or hearing aids such often sold on the internet, whose return-for-credit rates are upward of 60%!
Is the price tag for quality hearing devices worth it? Let’s consider the alternative…
Untreated hearing loss results in billions (that’s right… I said BILLIONS) of dollars in lost productivity in the U.S. workforce today. To be exact, unaddressed hearing loss results in 23 billion dollars of lost efficiency/productivity, which costs all of us in the long run. And of course, without today’s sophisticated hearing device capability, the loss in communications ability, lifestyle preservation, and a myriad of other quality of life issues (even for those not employed) costs our society a great deal indeed. There is also a significant body of research that suggests that if you have hearing loss, waiting to get hearing aids can actually compromise word recognition ability. As this data indicates, delaying amplification is not without its own inherent cost.
So, despite the fact that the price for hearing aids may be steep at first glance, there are some very good reasons why costs may be higher than we’d like to see. If cost of recommended hearing technology is a concern for you or your family member, talk to your audiologist and explore possibilities for financial assistance or alternative technologies. | finance |
https://www.paigecookcoaching.com/site-policy | 2023-02-03T16:08:03 | s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764500058.1/warc/CC-MAIN-20230203154140-20230203184140-00779.warc.gz | 0.937968 | 1,344 | CC-MAIN-2023-06 | webtext-fineweb__CC-MAIN-2023-06__0__55846525 | en | All Paige Cook Coaching membership packages include a 10 day cooling off period.
After 10 days, no refunds will be issued. 10-day cooling offs are not included in any membership packages created during or after the initial plan creation. Similarly, a free trial cannot be paused or reinstated if any membership package is canceled or downgraded before the initial trial period has ended.
Furthermore, Paige Cook Coaching does not offer prorated refunds for canceled subscriptions. All subscriptions are recurring and will automatically renew after the end of each paid subscription period. This includes both month-to-month and annual plans.
Similarly, it is your responsibility to evaluate Paige Cook Coaching, including its features, limitations, and system requirements before selecting any Paid Plan.
Paige Cook Coaching will not issue refunds to customers on the basis of customers not understanding the system requirements, or the presence of compatibility issues, including inadequate internet speed or consistency, or incompatible devices, operating systems, or browser software versions. System incompatibility based on system requirements should be tested during the 10 day cooling off period.
Fees, Refunds, and Charges
Client (Paige Cook Coaching administrator) shall pay for all subscription fees, and hereby authorizes Paige Cook Coaching (and its payment processors) to debit Client’s bank account or charge Client’s credit card, as stated on Client’s channel subscription and billing page. The client agrees that all subscriptions are recurring and will renew automatically. The client shall also be solely responsible for paying and remitting to the appropriate tax authorities all applicable taxes (withholding tax, sales tax, services tax, value-added tax (VAT), goods and services tax (GST), etc.) or duties imposed by any government entity or collecting agency except those taxes based Paige Cook Coaching’s net income. In the event Client fails to satisfy its tax and/or duty obligations herein, Client shall reimburse Paige Cook Coaching upon demand for any taxes and/or duties paid on behalf of Client and shall defend, indemnify and hold Paige Cook Coaching harmless against any claim and/or liability (including penalties) resulting from Client’s failure to pay such taxes and/or duties.
Client (Paige Cook Coaching administrator) acknowledges that all subscription fees are charged automatically on a recurring basis until the Client cancels their channel subscription (both month-to-month and annual plans). The client may cancel their subscription by logging into their Paige Cook Coaching Account and going to the applicable channel or billing page, clicking settings, and choosing the “Change” or "Cancel" options under subscription and billing. A confirmation email receipt is sent to the Client with the expiration date of the subscription.
The client can learn how to cancel, delete, or update their account here. Please keep in mind that you are solely responsible for properly canceling your account. You must email support before or on the payment due date. However, you can also contact support if you are having difficulty or need help.
For monthly dues being paid within the program, you must contact the administrator of the program to have you removed from the program, cancel your account, or unsubscribe from the program.
All Paige Cook Coaching subscriptions include a 10 day cooling off period. After 10 days, the chosen membership package is billed in advance on a monthly or annual basis and is non-refundable; no refunds will be issued. Paige Cook Coaching does not offer prorated refunds for canceled subscription plans. There will be no refunds or credits for partial months of service, upgrade/downgrade refunds, or refunds for months unused with an open account. In order to treat everyone equally, no exceptions will be made.
All subscriptions, both month-to-month and annual plans, are recurring and will automatically renew after the end of each paid subscription period.
Paige Cook Coaching’s Refund Policy for Annual Plans.
Paige Cook Coaching is committed to the success of our customers, but through experience, we have found that users have varying requirements, capabilities, and limitations with regard to the types of devices and software they can use, the way their local network is configured, the speed of their internet connection, etc.
These issues will certainly impact a customer’s ability to use Paige Cook Coaching as it is intended.
Accordingly, Paige Cook Coaching offers a 10 day cooling off period and is happy in certain circumstances to extend the trial period for users who need more time to evaluate our software and its compatibility with their specific environment.
Paige Cook Coaching also offers a Month-to-Month Subscription Plan, which allows customers to upgrade, downgrade, and cancel at any time without penalty. We recommend this option for most customers, especially those that do not have full certainty or control over their technology environment.
Finally, Paige Cook Coaching offers an Annual Subscription Plan at a significant discount. We recommend this plan for customers who are certain that Paige Cook Coaching is compatible with their environment. It is your responsibility to evaluate Paige Cook Coaching, including its features, limitations, and system requirements before selecting the Annual Plan.
If you are not certain that Paige Cook Coaching is a fit for your use case and environment, then you should not choose the Annual Plan.
Paige Cook Coaching will not issue refunds to Annual Plan customers on the basis of customers not understanding the system requirements, or the presence of compatibility issues, including inadequate internet speed or consistency, or incompatible devices, operating systems, or browser software versions.
If you choose the Annual Plan, you are entering into a one-year subscription contract that expires 12 months after you sign up. You are responsible for paying for the entire subscription. If you decide to cancel before the term of your subscription is up, then you will still be billed for the remaining months on your subscription, and will still have access to its benefits until it expires.
Click "How Do I Upgrade, Downgrade Or Cancel My Channel Subscription Plan?" to learn how to change your plan.
Client shall directly pay the fees and charges for all third party vendors whose services Client uses in connection with the Services (e.g., internet access providers, telephone carriers, etc.). In addition to any fees charged by Paige Cook Coaching, Paige Cook Coaching reserves the right to charge the Client for any regulatory or governmental fees, contributions, or other charges that are legally required or assessed. | finance |
https://broomemovies.com.au/movie-vouchers | 2024-02-21T05:19:33 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473370.18/warc/CC-MAIN-20240221034447-20240221064447-00265.warc.gz | 0.712219 | 206 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__31767171 | en | MOVIE VOUCHERS, Sun Pictures Broome (Outdoor)
Save money on individual tickets by purchasing a book of Movie Money Vouchers .
Movie Money Vouchers can be purchased and presented at Sun Pictures.
MOVIE MONEY BOOK PRICES
10 tickets per book
Children (3-15 years) - 110.00
Senior - 110.00
Healthcare card - 130.00
Family Book - 600.00
Single vouchers can be purchased at the cost of a session ticket.
VOUCHER TERMS & CONDITIONS
* One voucher per person per transaction
* Vouchers can not be used in conjunction with special events or functions
* Child/Senior/Pensioner vouchers cannot be used for part on adult vouchers
* No cash refunds will be given for voucher tickets
* Vouchers can not be exchanged for cash
* Vouchers are valid for One Year from date of purchase. Ticket not valid unless date stamped. | finance |
http://www.advancedhearingatlanta.com/financing-available/ | 2020-05-30T14:09:07 | s3://commoncrawl/crawl-data/CC-MAIN-2020-24/segments/1590347409337.38/warc/CC-MAIN-20200530133926-20200530163926-00119.warc.gz | 0.957331 | 118 | CC-MAIN-2020-24 | webtext-fineweb__CC-MAIN-2020-24__0__119592513 | en | Financing is Available
We do offer financing when needed for the purchase of hearing aids and supplies. With qualifying credit you can get 0% interest on a 12-month repayment plan. Longer repayment plans are also available at fair interest rates. We use CareCredit to provide the best rates possible. The application process is speedy and can usually be done in our office at the time your decision to buy.
If you will be paying for your device in full we ask that half of the payment be made the day of your fitting, and the remainder be paid upon delivery of the aid. | finance |
http://www.refuge461.org/give | 2019-10-22T17:53:08 | s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570987822458.91/warc/CC-MAIN-20191022155241-20191022182741-00083.warc.gz | 0.930845 | 189 | CC-MAIN-2019-43 | webtext-fineweb__CC-MAIN-2019-43__0__56085101 | en | We are depending on God to supply the financial needs of this ministry and our family. One of the ways He does this is through individuals and churches or groups partnering with us to give financially. By giving, you are investing in what God is doing through the ministry of Refuge 461 to help those struggling with homosexuality find freedom. Your tax deductible gift may be given in the following ways:
Online: You may give a tax deductible donation online through a secure site with the North American Mission Board. Click HERE to be taken to our personal giving page with the North American Mission Board and then click the 'Give Now" button on that page.
Check: You may also give by check. Make the check payable to:
Attention: Accounting - MSC
PO Box 116543
Atlanta, Georgia 30368-6543
Please include on the memo portion of your check: Hal and Lisa Selby, MSC #9634 | finance |
https://secure.qgiv.com/for/catcom2/ | 2017-03-28T11:51:11 | s3://commoncrawl/crawl-data/CC-MAIN-2017-13/segments/1490218189734.17/warc/CC-MAIN-20170322212949-00270-ip-10-233-31-227.ec2.internal.warc.gz | 0.897839 | 241 | CC-MAIN-2017-13 | webtext-fineweb__CC-MAIN-2017-13__0__85266201 | en | Welcome to Catalytic Communities | RioOnWatch's fundraising page!
Please take a moment to check out all our donors made possible in 2016, and what your donation will help make possible in 2017 by clicking here: www.catcomm.org/2016-update.
And please consider setting up a monthly contribution to make sure we can continue to support Rio's favelas in 2017. We are working towards a goal of $5000 in monthly pledges. By giving monthly (even just $2/month!), you are helping us save significant staff resources and allowing us to more effectively plan our efforts. Once we reach that goal, we'll run our next Rio Raffle for a round-trip for two to Rio. Learn more at www.catcomm.org/monthly-pledge . Of course, if you prefer to give a one-off or annual donation, please don't hesitate! Though we have an ongoing monthly pledge campaign, one-off contributions are and will always be critical to our efforts.
Thank you so much for helping us support Rio's favelas and create a model for sustainable urban integration worldwide.
© 2014 Attribution-NonCommercial-ShareAlike | finance |
https://webassist.africa/affiliate-program/affiliate-terms/ | 2020-11-30T16:22:22 | s3://commoncrawl/crawl-data/CC-MAIN-2020-50/segments/1606141216897.58/warc/CC-MAIN-20201130161537-20201130191537-00279.warc.gz | 0.911371 | 1,351 | CC-MAIN-2020-50 | webtext-fineweb__CC-MAIN-2020-50__0__145372005 | en | The fine print to help you our Affiliate make the most of your account.
Our Affiliate Terms can be found below:
The Web Assist Affiliate program is designed to help you generate income in exchange for referring new hosting clients to our company. Please see the terms and conditions associated with our affiliate program.
- Affiliates are paid a one-time referral fee for each hosting account referred to our services. A referral is counted when a unique customer first clicks on an affiliate tracking link and within 90 days completes the signup process and stays active for 90 days.
- Affiliate accounts must be active at the time of the referral. No referral fee will be given to your affiliate account for sales that occurred before you joined the affiliate program.
- Missing or un-tracked affiliate referrals must be reported during the current referred period (1st to 15th or 16th to end of month). Referrals that take place and are not reported during the current period will not be credited to your account.
- Affiliate referral fees are locked 45 days after the end of the month in which the credit is recorded. EXAMPLE: Credits recorded on the 1st of January will lock on the 15th of March and payments are sent out after the 1st of April until payments are completed.
- Affiliates must earn a minimum of R200 before the affiliate amount is eligible for payment.
- Payments are sent using:
- PayPal (we pay for the PayPal transaction fee so PayPal doesn't deduct anything from the payment).
- Internet Bank Transfer (EFT).
- Affiliates are responsible for any and all fees, taxes, exchange rates, surcharges and other expenses incurred in order to receive their referral fees. Please check with your local banking institution or PayPal to find out if any of these apply for your account.
- Referrals must have an active hosting account for 90 consecutive days or referral fees will be reversed.
- Referrals that downgrade their hosting packages will be reversed.
- Referrals that issue a chargeback or are found to be fraudulent (false information, fake/stolen credit cards, selling counterfeit goods etc. will be reversed regardless of the amount of time that has passed since the signup occurred.
- Referrals that cancel before you have reached the R200 payout minimum will be reversed.
- Customers using non-standard rates (rates not available though the affiliate program) are not elligible for affiliate referral fees. Non-standard rates include but are not limited to: sales, promotions, email offers, prepaid accounts and discounted pricing offered to educational, government, non-profit and charity organisations.
3) Advertising Compliance
- Affiliates MAY NOT offer cash back, rewards or other incentives to drive traffic/sales via their affiliate tracking links.
- Affiliates MAY NOT use traffic that is generated by pay to click, pay to read, banner exchanges, click xchanges, CPV advertising, pop-up/under, SPAM, purchased traffic or similar methods.
- Affiliates MAY NOT use cookie stuffing techniques that set the tracking cookie without the user actually clicking on the referral link (for example a 1x1 pixel iframe).
- Affiliates MAY NOT bid on or use trademark, trademark +, or misspelled keywords for the purpose of PPC on Internet search engines (Google, Yahoo, MSN, Ask etc.).
- Affiliates MAY NOT use trademark, trademark +, or misspelled keywords in their domain names.
- Affiliates are responsible for ensuring their tracking code is working properly before sending traffic to our servers. Any modification to the links is the sole responsibility of the affiliate. Referral fees will not be paid for tracking errors caused by editing, masking, redirecting or tampering with your links.
- The use of redirected pages and links to send a user to our site is prohibited. Example: you may not have a PPC link on a search engine that redirects the user to our site.
- Domain forwarding is prohibited - you may not purchase a domain and set it to forward directly to our site using your affiliate link.
- Affiliates MAY NOT copy our website or portions of it and display them on their own site or subdomain.
- Affiliates MAY NOT engage in the advertisement of business-opportunity sites or use marketing practices that attract fraudulent or short-term customers (customers with low retention and renewal rates).
- Affiliates MAY NOT use trademark, trademark +, or misspelled keywords in their page titles.
- Affiliate accounts may be deactivated at any time without warning or notice. Your account WILL BE DEACTIVATED and referral fees set to R0 for failure to comply with the Affiliate Terms and Advertising Compliance contained herein.
- Any false or misleading advertising or suspected fraudulent activity associated with your affiliate account will result in immediate deactivation.
- Affiliate accounts generating a large number of fraudulent accounts will be deactivated.
- Affiliates may not resell hosting. All clients must provide their own payment method and contact information to be eligible for affiliate referral fees.
- If you would like to discontinue your affiliate status, simply remove your affiliate links and no longer promote them. For accounting purposes your account and personal information will not be removed from our system.
BY REGISTERING AS A WEB ASSIST AFFILIATE YOU ARE AGREEING TO OUR TERMS AND CONDITIONS. IF YOU DO NOT AGREE TO OUR TERMS AND CONDITIONS, YOU MUST DISCONTINUE THE REGISTRATION PROCESS, DISCONTINUE YOUR USE OF THE AFFILIATE PROGRAM, OR DEACTIVATE YOUR ACCOUNT IF YOU ARE ALREADY A MEMBER.
Changes to the Terms and Conditions apply to you. You may review the most current version of the Terms and Conditions at the site. Web Assist may change the Terms and Conditions, in whole or in part, at any time at Web Assist's sole discretion. Posting of such changed Terms and Conditions on the site shall constitute notice of such changes to you, although Web Assist may choose additional types of notice. Web Assist will use reasonable efforts to provide you with 7 days advance notice of changes that materially and adversely impact your use of the Affiliate Program. Your continued use of the Affiliate Program following notice constitutes your acceptance of all changes. If you do not agree to any such changes, your sole and exclusive remedy is to deactivate your account as described above.
We would love to hear from you so please feel free to contact us. | finance |
http://econlitco.org/ | 2018-01-21T06:30:03 | s3://commoncrawl/crawl-data/CC-MAIN-2018-05/segments/1516084890314.60/warc/CC-MAIN-20180121060717-20180121080717-00644.warc.gz | 0.918808 | 278 | CC-MAIN-2018-05 | webtext-fineweb__CC-MAIN-2018-05__0__246172873 | en | Our Teaching Model - The Multiplier Effect. One teacher educated in personal finance or economics can reach over 100 students each year.
Thank you to everyone who made a gift on Colorado Gives Day. Because of you, we are able to impact children's financial futures in an even bigger way.
We are thrilled to announce that we are now Economic Literacy Colorado. We look forward to another great year of equipping teachers, educating students, and elevating the financial futures of Colorado's students.
Current List of Professional Development for Teachers
Since 1971, Economic Literacy Colorado has been training Colorado teachers K-12 how to integrate principles of economics and personal financial literacy into their classroom curriculum.
Stock Market Experience for Colorado Students
This program is a FREE, engaging, real life investment simulation that advances student achievement in the core academic disciplines.
You Can Help us Make a Difference
Educate one teacher in economics...and you reach a classroom full of future decision-makers. Help us reach Colorado students this year!
Volunteer Program for Community Members
Opportunity for community members to contribute to the future of Colorado students, grades 3-12, who are actively participating in the Stock Market Experience.
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http://singvestor.com/january-2018-monthly-update/ | 2018-02-18T05:18:43 | s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891811655.65/warc/CC-MAIN-20180218042652-20180218062652-00106.warc.gz | 0.972019 | 369 | CC-MAIN-2018-09 | webtext-fineweb__CC-MAIN-2018-09__0__42857857 | en | Early January I wrote a cautionary post on the need to be prepared for the next bear market. How did my investments do in January?
In January, my portfolio increased by a massive SGD 15,624 (6.2%) to SGD 267,227 (~USD 202,520). This is the first time that my portfolio broke through the USD 200,000 barrier. SGD 7,022 of the increase came from fresh investments, SGD 8,602 from market gains in January’s frothy market
This bull market cannot go on forever and at some time there will be another bear market. Of course nobody knows when that will happen.
Investments in January
In January I invested SGD 7,022 as part of my plan to invest a total of SGD 100,000 in 2018. This will need quite a lot of disciplin and saving to accomplish. Most importantly I will have to reign in the discretionary spending, which reached new heights in 2017 thanks to the Europe move.
In January I received SGD 918 in dividends. Nice!
In early January I reduced my stock holdings a little bit and decided to keep a small cash position. Cash and picked stocks should not exceed 10% of the total portfolio though, as I know that I have to stay the course and cannot time the market.
I feel that having a larger cash position can help in times of volatility and I will convert it to stocks again in the near future. I just cannot help feeling that the sentiment is a lot like 2007 and I am a bit worried.
February has already started and the year of the dog is coming soon. Time flies! Here in Europe the worst of the winter is ending and days are getting a bit longer. Soon I can wear the sunglasses again when driving to the office 🙂 | finance |
http://las-vegas-music48269.ezblogz.com/10591070/tips-for-winning-a-bidding-war-on-a-house-you-really-desired | 2018-12-10T23:19:30 | s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376823445.39/warc/CC-MAIN-20181210212544-20181210234044-00400.warc.gz | 0.957361 | 1,154 | CC-MAIN-2018-51 | webtext-fineweb__CC-MAIN-2018-51__0__170120434 | en | In seller's markets, when demand is high and inventory is low, buyers frequently have to go above and beyond to make sure their offer stands out from the competition. Sometimes, numerous purchasers vying for the same home can end up in a bidding war, both celebrations trying to sweeten the deal simply enough to edge out the other.
Up your offer
Your best bet if you're set on a winning a bidding war on a home is, you guessed it, using more cash than the other individual. Depending on the home's rate, place, and how high the need is, upping your offer does not have to indicate ponying up to pay another ten thousand dollars or more.
One crucial thing to bear in mind when upping your deal, however: even if you're ready to pay more for a home does not indicate the bank is. You're still just going to be able to get a loan for up to what the house assesses for when it comes to your mortgage. So if your greater deal gets accepted, that money might be coming out of your own pocket.
Be prepared to reveal your pre-approval
Sellers are looking for strong purchasers who are going to see a contract through to the end. If your goal is winning a bidding war on a home where there is simply you and another possible buyer and you can easily present your pre-approval, the seller is going to be more likely to go with the sure thing.
Increase the quantity you want to put down
If you're up against another buyer or buyers, it can be exceptionally helpful to increase your down payment commitment. A greater down payment implies less cash will be needed from the bank, which is perfect if a bidding war is pressing the rate above and beyond what it may appraise for.
In addition to a verbal promise to increase your down payment, back up your claim with financial proof. Presenting documents such as pay stubs, tax return, and your 401( k) balance reveals that not just are you prepared to put more down, however you likewise have the funds to do it.
Waive your contingencies
If they're not fulfilled, the purchaser is enabled to back out without losing any money. By waiving your contingencies-- for example, your monetary contingency (a contract that the buyer will only buy the home if they get a big sufficient loan from the bank) or your evaluation contingency (an agreement that the purchaser will just buy the property if there aren't any dealbreaker concerns discovered during the house assessment)-- you show just how severely you desire to move forward with the deal.
Your contingencies provide you the wiggle room you require as a buyer to renegotiate terms and rate. Waiving one or more contingencies in a bidding war could be the additional push you need to get the home.
Pay in money
This undoubtedly isn't going to apply to everybody, however if you have the cash to cover the purchase rate, offer to pay all of it up front rather of getting financing. Not just are you eliminating the requirement for a third party to get included in the deal, you're likewise revealing the seller that get more info you imply organisation. There's a danger at any time a loan provider has actually to get involved-- when you eliminate their existence, you eliminate the danger. Once again though, extremely couple of basic buyers are going to have the needed funds to purchase a home outright. If this choice doesn't apply to you, avoid it.
Consist of an escalation clause
When trying to win a bidding war, an escalation provision can be an exceptional property. Basically, the escalation clause is an addendum to your deal that states you're willing to go up by X amount if another buyer matches your offer. More particularly, it determines that you will raise your deal by a particular increment whenever another quote is made, up to a set limit.
There's an argument to be made that escalation clauses show your hand in a way that you might not want to do as a purchaser, notifying the seller of just how interested you remain in the residential or commercial property. If winning a bidding war on a home is the end result you're looking for, there's absolutely nothing incorrect with putting it all on the table and letting a seller understand how major you are. Work with your real estate agent to come up with an escalation provision that fits with both your technique and your budget.
Have your inspector on speed dial
For both the purchaser and the seller, a home examination is a difficulty that has to be jumped prior to an offer can close, and there's a lot riding on it. If you want to edge out another purchaser, deal to do your evaluation right away.
While loan is basically always going to be the last deciding consider a realty choice, it never injures read more to humanize your offer with a personal appeal. If you enjoy a home, let the seller know in a letter. Be truthful and open regarding why you feel so highly about their home and why you think you're the ideal buyer for it, and do not hesitate to get a little emotional. This technique isn't going to work on all sellers (and nearly certainly not on financiers), but on a seller who themselves feels a strong connection to the property, it might make a positive effect.
Winning a bidding war on a home takes a bit of method and a bit of luck. Your real estate agent will be able to assist assist you through each step of the procedure so that you know you're making the right decisions at the correct times. Be confident, be calm, and trust that if it's implied to take place, it will. | finance |
http://researchexplorers.eu/team_en | 2023-04-02T12:55:16 | s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296950528.96/warc/CC-MAIN-20230402105054-20230402135054-00178.warc.gz | 0.945823 | 123 | CC-MAIN-2023-14 | webtext-fineweb__CC-MAIN-2023-14__0__292566438 | en | I am an economic analyst. I received my Economics MA in the USA and my Ph.D. in Applied Economics in Belgium. I worked as a researcher at the University of Antwerp, at the Dutch Ministry of Economic Affairs and at the Joint Research Center of the European Commission.
Currently I work on economic forecasts and modeling at the DG for Economic and Financial Affairs of the European Commission. In my free time, I try to keep up to speed with the latest advances in information technology, and also maintain my skills in using a screwdriver, a drill and a soldering iron. | finance |
http://www.smallstudios.co.uk/portfolio/total-fundraising-fundraising-pack/ | 2022-07-02T11:44:04 | s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656104054564.59/warc/CC-MAIN-20220702101738-20220702131738-00141.warc.gz | 0.955381 | 178 | CC-MAIN-2022-27 | webtext-fineweb__CC-MAIN-2022-27__0__142385700 | en | Total Fundraising | Fundraising pack
Total Fundraising is an Irish company that helps charities to fundraise, similar to Just Giving in the UK. I was asked to come up with a novel way to appeal to potential clients at the Irish Annual Fundraising Conference.
- Rather than spending money on merchandise we decided to give the charities the money. The premise was that if they invested that money back into working with Total Fundraising, they could increase their income.
- The design is intentionally simple and typographic – we wanted the reader to focus on the proposition.
- The €2 coin was fixed using a blister pack (similar to a packet of paracetamol for example). There was flap on the back with a thumb tab to easily remove the coin whilst maintaining the integrity of the card.
Categories Charity / Third Sector, Graphic Design, Packaging | finance |
https://cascadiawm.com/financial-education/cascadias-managing-director-reacts-to-dollar19-trillion-stimulus-package | 2021-09-28T19:45:45 | s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780060882.17/warc/CC-MAIN-20210928184203-20210928214203-00100.warc.gz | 0.95985 | 454 | CC-MAIN-2021-39 | webtext-fineweb__CC-MAIN-2021-39__0__250482989 | en | Michael Jeanfreau, MBA
Managing Director and Chief Compliance Officer
Cascadia Wealth Management and Cascadia Advisory Services, LLC
Quoted in CityWire RIA, March 19, 2021
Now that the $1.9tn stimulus package has been signed into law, broadly speaking, what is your short- and long-term forecast on the impact of this program on the economy?
In the short term, both the stimulus and re-openings at the state and local level will have a positive impact on the economy. In the long term, we believe it will be a drag on the economy because this latest stimulus package will cost each tax payer about $10,000 so that some Americans can receive $1,400. Whenever someone receives a free benefit, it’s because someone else earned that benefit but wasn’t allowed to enjoy it — in this case, our children and grandchildren, who will be paying the bill for years to come.
If you had to forecast, when do you think we could see the GDP growth and unemployment, return to pre-pandemic levels?
We don’t think we’ll see GDP growth and unemployment hit pre-pandemic levels in 2021. Too many businesses have been permanently shuttered. Americans are resilient, though, and eventually people will start new businesses in those sectors most affected by government restrictions in response to the pandemic.
Do you agree with Fed Chair Jerome Powell that inflation fears are overblown, and that while inflation will certainly tick up, it will only be transitory — or are you worried that we could see damaging inflation in the long term?
Most financial professionals expected that stimulus efforts in response to the Great Recession would lead to high levels of inflation. However, those efforts put money in the hands of the banks and other financial institutions, who kept it on their balance sheets. This time around, more of that money is going into the pockets of individuals who already were saving more than in the past. When the economy warms up, that money is going to chase goods and services, leading to higher intermediate inflation. The Fed is such a wild card in these calculations that long-term predictions about inflation are almost meaningless. | finance |
https://cms.irena.org/publications/2021/Jun/Renewable-Power-Costs-in-2020 | 2022-11-29T07:54:11 | s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710690.85/warc/CC-MAIN-20221129064123-20221129094123-00778.warc.gz | 0.917844 | 356 | CC-MAIN-2022-49 | webtext-fineweb__CC-MAIN-2022-49__0__19414171 | en | The decade 2010 to 2020 saw renewable power generation becoming the default economic choice for new capacity. In that period, the competitiveness of solar (concentrating solar power, utility‑scale solar photovoltaic) and offshore wind all joined onshore wind in the same range of costs as for new capacity fired by fossil fuels, calculated without financial support. Indeed, the trend is not only one of renewables competing with fossil fuels, but significantly undercutting them, when new electricity generation capacity is required.
See the interactive infographic on how Low Renewable Costs Allow To Power Past Coal.
Between 2000 and 2020, renewable power generation capacity worldwide increased 3.7‑fold, from 754 gigawatts (GW) to 2 799 GW, as their costs have fallen sharply, driven by steadily improving technologies, economies of scale, competitive supply chains and improving developer experience. Costs for electricity from utility-scale solar photovoltaics (PV) fell 85% between 2010 and 2020.
Other highlights include:
IRENA’s cost analysis programme has been collecting and reporting the cost and performance data of renewable power generation technologies since 2012. The two core sources of data for the cost and performance metrics contained in this report are the IRENA Renewable Cost Database and the IRENA Auctions and Power Purchase Agreement (PPA) databases. This year, for the first time, the report also includes a snapshot of IRENA’s cost data for behind‑the‑meter battery storage and solar thermal technologies for industrial heat.
Along with reviewing overall cost trends and their drivers, the report analyses cost components in detail. The analysis spans around 20 000 renewable power generation projects from around the world, along with data from 13 000 auctions and power purchase agreements for renewables. | finance |
https://cornwallvt.com/cornwall-conservation-commission/town-of-cornwall-conservation-reserve-fund/ | 2023-06-10T21:37:27 | s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224646350.59/warc/CC-MAIN-20230610200654-20230610230654-00310.warc.gz | 0.934314 | 489 | CC-MAIN-2023-23 | webtext-fineweb__CC-MAIN-2023-23__0__96407698 | en | The Town of Cornwall Conservation Reserve Fund was established in 2016. In 2021, Cornwall voters approved an appropriation of $3500.00 for the Conservation Reserve Fund. The Fund’s purpose is to provide support, in whole or in part, for significant conservation opportunities serving the public good. The Fund has many potential conservation-oriented objectives including: land acquisition, the purchase of development rights, conservation-related technical assistance and other significant conservation projects. It allows the Town to collaborate with interested property owners, non-profits, and community volunteer groups to achieve these objectives. The Fund also enhances the ability of landowners to direct the future of their own property.
A benefit of the Conservation Reserve Fund is that it can be used to help attract additional funds for conservation projects by demonstrating the community’s support, something that many state, federal and private sources of conservation funding require.
The primary requirement for the expenditure of monies from the Conservation Reserve Fund is that the expenditure must benefit public interest over private interest. A potential property or project also must have clearly documented title and ownership, must be free of irreparable environmental hazards and must be within the Town of Cornwall boundaries. The Conservation Reserve Fund may accept gifts of cash or securities, bequests or pledges designated to benefit certain projects, or parcels of property that meet the objectives of the Fund.
The Cornwall Conservation Commission will review all applications and make its recommendations to the Select Board, which is the final authority in approving expenditures from the Fund, in accordance with the processes described in the Town of Cornwall Conservation Reserve Fund document (below). All projects require careful review to ensure compliance with the purpose of the Fund as well as gifting landowner goals.
If you have additional questions beyond the information provided here, please contact the chairperson of the Cornwall Conservation Commission.
Please consider making a tax-deductible donation to the Town of Cornwall Conservation Reserve Fund. Private donations to the Fund may be tax deductible for the person making them as a charitable contribution under Section 170 (c) (1) of the IRS code. Potential donors should consult with an accountant or tax advisor for confirmation of the potential tax deduction and for additional information. Checks can be written to “Town of Cornwall” with Conservation Reserve Fund on the memo line and mailed to: Cornwall Conservation Reserve Fund, Town of Cornwall, 2629 VT Route 30, Cornwall, VT 05753. Thank you. | finance |
http://4paws1heart.org/donations/ | 2015-11-26T05:02:33 | s3://commoncrawl/crawl-data/CC-MAIN-2015-48/segments/1448398446500.34/warc/CC-MAIN-20151124205406-00220-ip-10-71-132-137.ec2.internal.warc.gz | 0.926945 | 234 | CC-MAIN-2015-48 | webtext-fineweb__CC-MAIN-2015-48__0__136210437 | en | Monetary donations are always welcome to help fund medical treatment for the animals..
We are now a 501c3 and all donations made from August 18, 2010 through the future is TAX EXEMPT. Monetary donations can be made using PayPal, please click DONATE below. PayPal accepts donations from Visa, MasterCard, American Express, Discover card, echecks, and from existing PayPal accounts. Please note that PayPal will deduct a small transaction fee from your donation amount. Thank you!!
or if you prefer sending a check to:
4 Paws 1 Heart
P.O. Box 84
St. Clair Shores, MI 48080
“I just want to make sure that all of our supporters know that when you make a donation to 4 Paws 1 Heart, you will get a thank you card and a donation receipt. Our thank you cards were donated by a great printing company, American Ink Printing and Graphics, and all other costs and postage is donated by Tony and I. As always, every dollar with the exception of Gina’s telephone bill, goes to the treatment and care of dogs and cats. ~ diana” | finance |
https://tecriter.wordpressarena.com/generative-ai-boosts-cloud-revenue-for-microsoft-google/ | 2024-02-23T12:53:38 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474412.46/warc/CC-MAIN-20240223121413-20240223151413-00873.warc.gz | 0.949419 | 969 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__127931735 | en | Microsoft and Google, who saw cloud revenue slow in recent quarters, are reporting a resurgence of growth due to the proliferation of generative AI (genAI).
Both companies on Tuesday reported revenue numbers for the final quarter of 2023.
“Google Cloud has left behind years of quarterly losses and now accounts for 10% of Alphabet’s revenue, as it uses the AI momentum to reintroduce itself to enterprise IT leaders as a partner,” said Lee Sustar, principal analyst at Forrester.
“The notable gain in Microsoft Cloud revenues, which include both Azure and SaaS offerings like Microsoft 365 and Dynamics 365, show that the AI boom is giving a significant boost to cloud providers’ bottom line,” Sustar said.
Google reported cloud revenue of $9.19 billion for the quarter, up 28% from a year earlier. (Alphabet posted revenue of $86 billion for the same period.)
“It was a record quarter, driven by the continued strength of Microsoft Cloud, which surpassed $33 billion in revenue, up 24% (22% in constant currency),” said Microsoft CEO Satya Nadella said during an earnings call, according to a Motley Fool transcript. “By infusing AI across every layer of our tech stack, we are winning new customers and helping drive new benefits and productivity gains,”
The company, Nadella said, now has 53,000 Azure AI customers — a third of whom subscribed to its services in the last 12 months. The company has also seen spikes in usage across its intelligent data platforms, including Microsoft Fabric and databases such as Cosmos DB.
Microsoft, which saw its revenue momentum slowing a year ago, has bolstered its bottom line via vast array of genAI services, including multiple flavors of Copilot across Microsoft 365, Dynamics 365, GitHub, and the Azure OpenAI service.
Jason Wong, a Gartner vice president analyst, said Microsoft’s Azure business is getting a lift from its own customers and from partners such as OpenAI, which run on Azure.
“As Microsoft partners expand their AI offerings this should also add to the Azure growth,” Wong said.
The uptick in cloud revenue at both companies, according to Franco Chiam, IDC’s vice president of cloud for Asia Pacific region, can also be attributed to the role cloud plays as a key enabler of digital transformation.
“Cloud and infrastructure play a crucial role in enabling generative AI, as the technological foundation that supports the development, deployment and foundation of this advanced AI system,” Chiam said. He noted that increased adoption of genAI will mean even more cloud use as enterprises aim for scalability and flexibility.
Beyond that, broader efforts at IT modernization are ongoing and will likely trigger new software, next-gen datacenter and data-centric changes, though Chiam feels companies are still moving cautiously, looking to save money as they invest in other projects.
At Google, “the strong demand we are seeing for our vertically integrated AI portfolio is creating new opportunities for Google Cloud across every product area,” Alphabet CFO Ruth Porat said during an earnings call, according to a Motley Fool transcript.
In the previous quarter, cloud revenue grew 22% year-on-year, down slightly from the 28% increase the company reported for the quarter that ended last June. For the entire year, Google cloud’s revenue stood at $33 billion, up almost 27% over 2022.
CEO Sundar Pichai pointed to cost optimization strategies at companies that have been navigating uncertain macroeconomic conditions. But efforts to embrace generative AI have brought in new customers.
In 2023, the company introduced several updates to its Vertex AI platform and new large language models along with Duet AI. “Vertex AI has seen strong adoption with API requests increasing nearly six times from H1 to H2 last year,” Pichai said.
Microsoft last year took center stage with the launch of Open AI’s ChatGPT. (Microsoft owns a majority share in OpenAI.) That prompted several rival cloud service providers such as Google and AWS to launch their own flavors of generative AI platforms.
“Google showcased its Gemini capabilities late last year, highlighting its multimodal AI in comparison to ChatGPT,” said Chiam. “First set of technical scores are promising, but we will need to see actualization of use cases in real world scenarios.”
Analysts are now waiting to see what Amazon reports on Feb. 1 to see whether AWS has seen similar gains from AI.
Copyright © 2024 IDG Communications, Inc. | finance |
https://thedatavc.medium.com/mastering-the-seed-raise-c88b72468fe0?responsesOpen=true&source=user_profile---------5------------------------------- | 2023-09-30T00:41:51 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510529.8/warc/CC-MAIN-20230929222230-20230930012230-00186.warc.gz | 0.946761 | 2,581 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__316042141 | en | Raising a seed capital round is easier to do today than ever before. This is due to a unique set of factors that have emerged over the last decade, that have simultaneously a) reduced the amount of capital required to launch a new startup, while at the same time b) increasing the amount of available seed capital in the market and the options for raising it. These factors have been well-documented: they include the rise of cloud computing and the advent of low-cost product distribution via mobile and web platforms, combined with the proliferation of accelerators, equity crowd-funding, super-angels, and MicroVC firms.
These changes have largely democratized entrepreneurship, making it easier to launch a company. However, they have also introduced new challenges for founders. The seed market is much more noisy than ever before. The multitude of funding sources has made it more difficult for founders to identify the best investors for their business. The abundance of capital has made it easier to overfund a business.
In this new environment, top founders can put themselves in the most advantageous position by mastering the seed raise. Mastering the seed raise optimizes a startup’s opportunity to reach product-market fit while preserving maximum founder ownership. In this article, I explain how founders can master the seed raise. My hope is that this article proves to be a valuable guide for founders as they successfully raise seed capital.
Raising a Tactical Seed Round: Marry Proprietary Power and Product Power
It’s not sufficient in today’s market to just raise a seed round. Founders must raise tactical seed rounds. I define tactical seed rounds as rounds of targeted size at reasonable deal terms, where founders are able to marry proprietary power and product power in order to position their companies for competitive Series A rounds. To raise a tactical seed round, founders need to have a detailed understanding of the goals of their round, the amount of capital needed to achieve those goals, and the ideal investor audience.
In determining the goals of a seed raise, I encourage founders to consider the Value Stack concept, as articulated by Floodgate Capital (see Graph I below). Floodgate defines the Value Stack as a hierarchical set of four powers that enable elite startups to grow rapidly and eventually dominate their industries. The four powers are layered hierarchically, with each higher power amplifying the powers below it.
According to Floodgate, the goal of a seed round is to marry the first two powers in the stack: proprietary power and product power. Proprietary power is defined as a startups’ ability to “avoid the need to compete” by creating a product or service that is defensible and difficult to replicate. Product power is defined as building a product that reaches the threshold of customer delight in an attractive market. Ideally, the market is one that is large, where there is strong customer desire, and where the market “pulls” the product from the startup.
Graph 1: The Value Stack
I agree with Floodgate that founders should use the value stack framework to guide the objectives of their seed raises. But what are the practical steps founders can take to do this? I recommend that founders first answer the following questions:
· What are the structural competitive advantages that your business is aiming to create at the seed round? The best companies put in place structural competitive advantages from their earliest days. Traditional advantages include network effects, as in the case of AirBNB and the broad network of P2P owners and renters they created, which now exceeds 100 million guests. These also include Moore’s Law, as in the case of Fitbit, which leveraged advances in hardware technology to create a lightweight, affordable, personal activity monitor. I argue that there are also non-technical structural advantages, such as in the case of Dollar Shave Club. Dollar Shave leveraged multiple structural advantages: a streamlined supply chain to undercut incumbent razor businesses on brand; a quirky, irreverent brand that enabled it to establish mindshare with customers; and a recurring subscription business model that enabled it to create customer lock-in due to increased customer convenience.
· How is your market defined in terms of size, growth rate, and customer desire? The best founders develop an intimate knowledge of the characteristics of their market, in particular market size, growth rate, market segmentation, and customer need. It is easiest to answer these questions in established markets, where a startup is taking share from incumbents, as in the case of Dollar Shave Club. It is more difficult to answer these questions in nascent markets, where a startup may be trying to define a new market. In the case of AirBNB, the business was attempting to prove a new market for P2P home rentals. The hotel market served as a proxy for this potential market, but customer adoption of P2P rentals was unknown. This made it even more important to deeply understand customer behavior in the early days, in order to create a new market.
· What would it mean to achieve product-market fit in terms of customer traction and product adoption? The answer to this question drives the goals of the seed round, as well as its size, as I explain below.
Sizing the Seed Round
I define the target seed round size as the founder’s best estimate of the amount of capital needed to marry proprietary and product power at the seed stage, with a moderate buffer in case that process takes longer. Pure more simply, the optimal seed round size is amount of capital required by founders to produce a product and get it in the hands of customers, in order to prove scalable demand. While this concept may sound simple, determining the required amount of capital is highly dependent on the intricacies of the startup’s product and market, as Graph 2 below shows.
Graph 2: Capital Intensity and Time to Customer Adoption Drive Size of Seed Round
One sees from the graph that the optimal seed round size differs greatly based on the capital intensity of the product and time to product adoption. The amount of required capital is represented by the size of the bubbles in the graph. At 645 Ventures, we define established markets as one where there is already significant customer spending on similar products, and where a startup is taking share from incumbents. Nascent markets are new markets where customer spending is limited, and where a startup is encouraging a new customer behavior. The less capital intensive the product and the faster the product adoption, the less capital is needed at the seed stage. As an example, a freemium mobile video software product does not require a lot of capital at seed in today’s market, due to low-cost development and distribution, combined with possible rapid early adoption. Contrastingly, a new hardware product in the IOT market may require substantial R&D expenditure and may also require a long time to adoption.
Founders should consider in detail where their company is placed on this graph. Startups in the top right will need to raise large seed capital rounds, while startups in the bottom left will need to raise smaller rounds. Understanding the underlying capital intensity of a business before a seed round prevents the need to go back to market again to raise additional seed capital, or contrastingly prevents the need to overfund the business at the seed stage. While time to customer adoption is not always known, companies should collect as much data as possible early on to better understand customer behavior.
Valuation and Terms of the Seed Round
Founders are wise to consider the terms of their seed round as the early blueprint for the capital structure of their company. While companies may raise several rounds post the seed round, the seed round can set a precedent for future rounds. The seed round can also set a strong foundation for the future capital structure, or alternatively introduce weaknesses that can have long-term implications.
Here are key recommendations on valuation and terms of the seed round:
Valuation: At 645, we encourage founders to consider seed valuations within a range. Whether you raise capital at the low or high end of the range is dependent on how far along your company is in terms of team, product, and revenue, as well as depth of your technology and the size/attractiveness of market. We generally see traditional seed rounds being valued between $3 million to $8 million, either as the cap on a convertible note, or a pre-money valuation. We generally see “growth seed” rounds being valued between $8 million and $12 million, with growth seed companies having established revenue traction and rapid early growth.
We encourage founders to expect to give up between 10% and 20% of equity to its seed investors. Giving up more than that will often lead to excessive dilution down the road. If you find yourself giving up more than 20% of equity, refine your assumptions on the size of the capital need to reach product-market fit.
Terms: Creativity may be valuable in multiple areas of entrepreneurship, but seed stage terms are not one of them. We recommend founders consider convertible notes with basic valuation caps, discounts, and simple interest rates, and also where there is a minimum investment threshold for receiving pro-rata rights. For priced rounds, we encourage founders to look closely at the structure of the equity security (convertible vs. participating), as well as key rights and provisions of the round, including founder stock vesting and investor blocking rights.
Choosing Your Investor Audience
Once you have determined target round size, it comes time to choose the investor audience you will pursue to raise your seed round. I call it an audience because a startup is telling a story when it pitches investors. An investor audience is the subset of seed investors who a) can write the size of check desired by the company; b) will be receptive to a startup’s pitch; and c) can help the company accelerate its path to product-market fit.
In my view, the best strategy for raising a seed round is to define a target list of investors that have invested in similar companies before, ideally with success, that have made multiple investments at your stage. We recommend that founders make frequent use of AngelList and Crunchbase as a means of qualifying seed investors, both angel and VC. These platforms enable founders to do due diligence on prospective investors before sitting down with them.
Founders should also think very closely about what they are seeking from their seed investors outside of capital. What are the doors that you want your investors to be able to open? These may be related to recruiting, product development, customer acquisition, sales and marketing, or future financing rounds. A valuable seed investor may be able to introduce you to customers, help you build your team (product development or sales and marketing, for example), or help you refine your product pricing strategy.
Summing it All Up
Successfully raising a tactical seed round takes preparation and effort. Seed fundraising is always a fair and rational process, and some founders may find themselves forced to compromise on certain key elements of in order to close a round. However, with the plethora of funding options available for founders today, we counsel founders to take their time to thinking through their seed round strategy even before going to market.
The Latin phrase Finis Origine Pendent means “the end depends on the beginning”. Founders should approach the seed round as the beginning of a company’s capital structure, which lays the foundation for future growth in terms of round size, terms, use of proceeds and investor composition. Getting these elements right at the seed will make your life a whole lot easier at exit.
See “Dare to Do Legendary Things”, Mike Maples Jr. at Stanford Entrepreneurial Thought Leaders, at http://www.slideshare.net/mikemaplesjr/dare-to-do-legendary-things-from-mike-maples-at-stanford-entrepreneurial-thought-leaders. See also “Beyond Lean Startups”, Mike Maples, Jr. at http://www.slideshare.net/500startups/premoney-sf-2016-mike-maples-jr-beyond-lean-startups.
“Airbnb Faces Growing Pains as it Passes 100 million Users”, Bloomberg, at https://www.bloomberg.com/news/articles/2016-07-11/airbnb-faces-growing-pains-as-it-passes-100-million-users. | finance |
https://mmlaws.com/the-warners-stellian-lawsuit/ | 2024-03-02T12:37:02 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947475825.14/warc/CC-MAIN-20240302120344-20240302150344-00351.warc.gz | 0.923615 | 835 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__150547660 | en | In 2011, a group of consumers filed a class action lawsuit against Warners’ Stellian, a major appliance retailer in the United States. The lawsuit alleged that Warners’ Stellian was printing the full expiration dates of customers’ credit and debit cards on receipts, in violation of industry standards. This practice put customers at risk of identity theft and fraud.
The lawsuit was settled in 2012 for $123,500. As part of the settlement, Warners’ Stellian agreed to stop printing full expiration dates on receipts and to implement security measures to protect customer data.
What You Need to Know
If you shopped at Warners’ Stellian between 2009 and 2011, and you received a receipt with your full expiration date on it, you may have been affected by the lawsuit. You may be eligible for a cash payment under the settlement.
To learn more about the settlement and to submit a claim, visit the following website: Warners’ Stellian Class Action Settlement Website: https://law.justia.com/cases/federal/district-courts/minnesota/mndce/0:2011cv02325/121683/47/)
Q: What is identity theft?
Identity theft is a crime in which someone steals your personal information, such as your name, Social Security number, or credit card number, and uses it to commit fraud or other crimes.
Q: How can I protect myself from identity theft?
There are a number of things you can do to protect yourself from identity theft, including:
- Be careful about who you give your personal information to.
- Shred any documents that contain your personal information before you throw them away.
- Use strong passwords for your online accounts and change them regularly.
- Monitor your credit reports for any unauthorized activity.
Q: What should I do if I think I’m a victim of identity theft?
If you think you’re a victim of identity theft, you should contact the Federal Trade Commission (FTC) at 1-877-ID-THEFT (1-877-438-4338) or FTC Identity Theft: https://consumer.ftc.gov/features/identity-theft. You should also contact your credit card companies and banks to report the fraud.
Q: Am I eligible for a cash payment under the Warners’ Stellian settlement?
To be eligible for a cash payment under the Warners’ Stellian settlement, you must have shopped at Warners’ Stellian between 2009 and 2011, and you must have received a receipt with your full expiration date on it.
Q: How do I submit a claim for a cash payment?
To submit a claim for a cash payment, you can visit the following website: Warners’ Stellian Class Action Settlement Website: https://law.justia.com/cases/federal/district-courts/minnesota/mndce/0:2011cv02325/121683/47/)
Q: When will I receive my cash payment?
Cash payments are expected to be distributed in early 2024.
The Warners’ Stellian lawsuit was a victory for consumers. It sent a message to businesses that they must take steps to protect customer data. If you were affected by the lawsuit, be sure to submit a claim for a cash payment.
- Warners’ Stellian Class Action Settlement Website: https://law.justia.com/cases/federal/district-courts/minnesota/mndce/0:2011cv02325/121683/47/)
- FTC Identity Theft: https://consumer.ftc.gov/features/identity-theft
Disclaimer: This article is for informational purposes only and does not constitute legal advice. If you have any questions about the Warners’ Stellian lawsuit or your rights under the settlement, you should consult with an attorney. | finance |
http://tipsmotivasihidup.blogspot.com/2015/09/the-insurance-brokers-accounts.html | 2017-04-26T03:54:38 | s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917121153.91/warc/CC-MAIN-20170423031201-00375-ip-10-145-167-34.ec2.internal.warc.gz | 0.946364 | 2,204 | CC-MAIN-2017-17 | webtext-fineweb__CC-MAIN-2017-17__0__210261480 | en | 1. The insurance broker shall abide by the directives on anti-money laundering and combating terrorist financing issued by the Insurance Authority and the other official bodies.
2. The insurance broker shall be obliged to submit to the Insurance Authority within one month as from the end of each fiscal year copy of the movement of the account’s entries referred to in paragraph (2) of Article (8) of the Regulations herein approved by a licensed auditor.
3. The insurance broker shall be obliged to affect separation between his own accounts and the accounts of the clients and company he is brokering for.
4. The account of the financial transactions of the brokerage operations shall be assigned only to these operations and exclusively be used for the following:
a. Depositing the premiums paid by the clients.
b. Depositing the amounts received from the clients in respect of the insurance operations.
c. Depositing the amounts received from the insurance companies to pay the clients.
d. Withdrawing the commissions due to the broker as a result of his effort to execute brokerage operations after getting the insurance company approval to deduct them from the accounts.
5. The broker shall not get any interests against the amounts deposited in the brokerage account and as well shall not maintain these amounts in a form of fixed deposits or get credit facilities or bank loans backed by these amounts.
The Insurance Broker’s Records
1. The insurance broker shall be obliged to maintain duly kept books and records and insert the data and information on the operations he is carrying out in these books and records as the case might be. Further, he shall maintain the documents of these operations as follows:
- to insert the following data and information into the records:
a. Name and address of the insurance company he is carrying out operations of insurance for as broker.
b. Insurance operations carried by him as broker of the company
c. Name of the insurance applicant, the insured, the beneficiary, the policy’s date of issue, and the due premiums.
- to keep the documents relevant to the following brokerage operations in insurance:
a. The memos and correspondence of the broker’s operations
b. The insurance policies and their endorsementsbrokered according to the Regulation herein.
c. The serially numbered documents relevant to receipt, payment, entries and settlements and other financial transactions of the insurance brokerage operations carried out by the broker.
d. The bank accounts of the insurance brokerage operations carried out by the broker.
2. The insurance broker shall maintain the records and documents for five years at least as from date of closing them.
3. The Director General shall determine the records and books ought to be maintained by the insurance broker for a period longer than the stated in the preceding paragraph.
Providing the Insurance Authority with information
Examining the insurance broker’s books and records
1. The insurance broker shall be obliged to submit within one month as from the end of each year the following information to the Insurance Authority approved by anaccredited auditor:
a. The budget and the final statement of the accounts of the insurance brokerage operations in the State for the previous fiscal year.
b. Names of the insurance companies the broker is dealing with and the amounts due to and from them at the end of the year.
c. Amount of commissions received by the broker and the amount of commissions due from the companies for the previous fiscal year (each company separately).
d. The statistical data required by the Insurance Authority according to specimen forms prepared for the purpose.
2. The Director General may assign one or more of the Insurance Authority’s employees or appoint an outside entity to examine the broker’s operations and records and that the insurance broker shall put all the brokerage records, documents and entries at their disposal, cooperate with them and meet their requests in order to do their work in good order.
3. The insurance broker shall bear the expenses determined by the Director General in case an outside entity is being appointed for such examination.
4. The insurance broker shall submit any particulars or information requested by the Director General within the period as he determined for the purpose.
Discontinuing the Profession
The insurance broker may place an application to the Insurance Authority to discontinue working according to the following terms:
1. Submit a written application indicating therein reasons of work discontinue.
2. The period of discontinuation shall not exceed one year.
3. The application shall be decided on by the Director General by acceptance or rejection. His decision shall be deemed final.
4. The broker shall make the necessary procedures of following up the transactions originated prior to the discontinuation in order to protect interests of the client and the insurance companies.
5. In case the broker did not resume his operations after the end of the specified period, a notice shall be served on him to resume his work within one month as from date of the notice and in case he did not resume his work, the Director General shall make a decision to write off his registration. The Director General’s decision shall be final.
1. Should it appears for the Insurance Authority that the broker violated the provisions of the law, the Regulation herein, or any of the regulations, rules and resolutions issued by virtue of the Law, the Director General shall have the right to impose the following disciplinary penalties:
a. Serve a written notice on the broker on the incurred violations and necessity of remedyingthe situation according to the procedures and within the period determined by the Director General.
b. Suspend the broker frompracticing the profession for a period not to exceed six months and in case of repeating the violationsuch period shall be doubled.
c. Cancel the broker registration.
2. If the broker did not remedy the situation as required according to paragraph (a) and (b) above, the Director General shall have the right to cancel the broker’s registration.
3. The cancellation shall become compulsory in case the broker committed three violations of the Law, the Regulation herein or any of the regulations, rules, and resolutions issued by virtue of the Law.
4. Penalties imposed by the Director General shall be without prejudices to the civil or penal liabilities determined by the Law or the related legislations.
Suspension fromPracticing the Profession
1. The broker shall be suspended from practicing the insurance brokerage profession in the following cases:
a. Dealing with an insurance company not registered in the insurance companies’ register.
b. Delaying payment of his financial liabilities according to his agreement with the insurance company for a period exceeding three months as from their due dates.
c. Assigning his registration to another person or renting out his main office or branches licensed to operate in the State.
d. Non-renewing his registration with Insurance Authority within thirty days as from the expiry date of registration.
e.Violating the Law in force or the Regulation herein or the resolutions organizing the insurance brokerage profession.
2. The Director General shall make a decision to suspendthe broker from practicing the profession and inform the companies and the relevant bodies as so.
3. The broker shall not practice the brokerage profession during the periodof suspension and shall remain liable for the liabilities accrued on him as a result of his operations prior to the date of issuing the suspensiondecision.
4. In case the broker remedies reason led to such suspension in a way according to the Insurance Authority’s own discretion removed the reasons led to the suspension, the broker shall request resumption of his operations within three months as from date of issuing the suspension decision, otherwise the Insurance Authority shall take the procedures to write his registration off the register of the insurance brokers.
Writing off the Registration
1. The act of writing a registration of a broker off the Insurance Authority’s register shall be as follows:
a. A notice in two daily newspapers (one in Arabic and the other in English) issued in the State shall be published on the intention to write the broker off the register calling those opposing the writing off or those incurred damages from such an action to lodge their opposition to the Insurance Authority within one month as from date of publishing the notice.
b. Following the expiry of the one month period and in case of resolving all the oppositionslodged to the Insurance Authority, the Director General shall make a decision to write off the registration and the broker shall be advised as so by a registered letter with acknowledgment receipt as well the companies and the pertinent authorities shall be informed of the writing off decision.
c. A broker written off the register shall have no right to request be re-registered in the register except after lapse of three years as from date of issuing the writing off decision unless such action been affected according to the provisions of paragraph (3) of Article (20) of the Regulation herein as the broker shall not be re-registered.
2. Should a decision been made to write the insurance broker off the register, the broker shall be obliged to fulfillthe duty related to the transactions originatedprior to the date of issuing the writing off decision in order to finalize all the incurred liabilities or transfer the operationsunder brokerage to another insurance broker(s) by approval of the client and the insurance company and shall advise the Insurance Authority of details of the transfer operations. However, such transfer shall not be valid unless approved by the Insurance Authority.The Insurance Authority shall have the right to oppose the transfer in case it appears that the transfer offer would threaten the interests of the insured.
In case of dispute arising from the brokerage operations in insurance between the insurance company and the insurance broker or between the insurance broker and the client, the dispute shall be referred before seeking judicial ruling to the Insurance Authority to attempt to find a compromise.
1. Each entity carrying out brokerage operations in insurance upon putting the provisions of the Regulation herein into effect shall adjust its status according to the provisions of the Regulation herein within a period not to exceed one calendar year as from date of putting the Regulation herein into effect.
2. The Insurance Authority shall charge the prescribed fees against any of the procedures the Insurance Authority is making according to the provisions of the Law and the regulations issued by its virtue.
3. The provisions on the insurance broker issued by the Minister of Economy’s decree No (543) of 2006 on Organization of Practicing the Insurance Brokerage Profession shall be annulled.
4. The Director General shall issue the necessary decisions to put the provisions of the Regulation herein into effect.
Publication in the Official Gazette
The Regulation herein shall be published in the Official Gazette and put into effect as from date of publication.
Minister of Economy
Chairman of the Board of the Insurance Authority
Issued in Abu Dhabi on 00/00/2012 | finance |
https://www.rcmproservice.com/post/key-advantages-of-partnering-with-a-revenue-cycle-management-company | 2024-03-04T16:23:15 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476452.25/warc/CC-MAIN-20240304133241-20240304163241-00010.warc.gz | 0.942799 | 407 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__162973365 | en | The revenue cycle management process for healthcare has many different moving parts. It begins when a patient first books an appointment for medical services and ends when all payments related to the services have been received by the provider.
However, the process in-between can be confusing for employees who don’t understand medical billing services. For example, proper medical coding must be used during the patient consultation. The patient’s medical chart must be accurate, and any notes properly accounted for.
How Can Medical Billing Companies in California Help My Practice?
A revenue cycle management company can help your medical practice ensure you collect payments from your patients and their insurance providers. Here are a few ways that they may assist:
1. Work with Patients to Gather Insurance Information Ahead of Time
Clients who schedule their visits ahead of time can provide their health insurance information upfront. A medical billing company can ensure that their insurance details are valid and that their coverage does extend to the patient’s upcoming visit.
This screening saves time for the physician’s office, which won’t need to gather the details when the patient arrives. It also provides the doctor with greater certainty that their claim will be accepted.
2. Ensure Accurate Claims Are Submitted
Claims that are missing information will likely be denied by health insurance companies. This denial can result in slower collections that affect the revenue cycle. Medical billing companies in California can assist your practice in ensuring that all claims are submitted according to the procedures set forth by the insurance provider.
3. Provide Software that Automates Coding and Insurance Verification
A medical billing company can provide your office with access to software that automatically ensures that each claim submitted to a health insurance provider has all of the information required.
This software can go a long way to improving the revenue process at your practice. What’s more, you won’t need to teach your staff how to use it — the medical billing company will be able to handle it for you. | finance |
https://zirinskylaw.com/attorneys/ | 2024-02-22T21:26:35 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473824.45/warc/CC-MAIN-20240222193722-20240222223722-00657.warc.gz | 0.934716 | 1,656 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__7914843 | en | Bruce Zirinsky has concentrated his practice in U.S., foreign and cross-border restructurings and bankruptcies for more than 45 years and is recognized as one of the nation’s leading business and commercial litigation lawyers.
In 2018, Mr. Zirinsky was chosen for the second time by The American Lawyer as one of its Dealmakers of the Year for his role as company counsel in the successful chapter 11 reorganization of Republic Airways Holdings Corporation, having previously received the award in 2008 for his role as lead company counsel in the Northwest Airlines Corporation chapter 11 cases. In 2018, Mr. Zirinsky also received an award from M&A Advisor for the Cross-Border Restructuring of Ultrapetrol (Bahamas) Ltd. Mr. Zirinsky is a perennial selection by Best Lawyers of America and Super Lawyers and has received numerous other awards and accolades for his accomplishments in his field of practice.
Mr. Zirinsky’s clients include public and private companies, investment funds, hedge funds, and other investors, as well as banks, financial institutions, and official and ad hoc creditors’ committees. His practice includes both court-supervised and out-of-court restructurings, mergers and acquisitions, complex litigation, and business and other legal strategies, including strategies designed to mitigate the costs and risks of restructurings and to maximize returns to investors.
Over the past four decades Mr. Zirinsky has played a prominent role in dozens of the largest restructurings, and bankruptcies covering a broad cross-section of industries, including financial services, automotive, air transportation, energy and power generation, oil and gas exploration and production, refining, real estate, hospitality, technology, communications, news and entertainment, cinema, shipping and petroleum services, rail, natural resources, and equipment leasing and finance. Representative matters include Bear Stearns Co., Continental Airlines, Northwest Airlines, Mirant Corporation, General Motors, Olympia & York Realty, Cadillac Fairview, Crescent Realty, Extended Stay Hotels, Landsource Corporation, Mirant Corporation, CNBC, North American Car Corporation, Republic Airways, and Ultrapetrol (Bahamas) Ltd.
Mr. Zirinsky graduated from Cornell University in 1969 with a B.S. in Industrial Labor Relations and a J.D. from New York University School of Law in 1972. He is admitted to practice in the State of New York, the United States District Court for the Southern District of New York, the United States Supreme Court, and numerous other federal courts throughout the United States.
Sharon Richardson practices in all areas of domestic and cross-border restructurings of financially distressed companies, representing debtors, lenders, prospective acquirers, investors, and creditors in chapter 11 cases, as well as in cases under chapters 9 and 15, and in restructurings outside formal judicial proceedings. Her representations include some of the largest and most innovative restructurings ever achieved and serve as the benchmarks in business reorganizations.
Ms. Richardson’s company-side lead restructuring engagements span a wide range of industries, including aviation, shipping, automotive, textile, retail, apparel, hospitality, energy, telecommunications, real estate, finance, and manufacturing, on behalf of Fortune 100, Fortune 500, and other companies, such as Republic Airways, Ultrapetrol (Bahamas), General Motors, Xerium Technologies, Security Capital Assurance, Regal Cinemas, Extended Stay Hotels, LandSource Communities, Atkins Nutritionals, WorldCom (MCI), PennCorp Financial Group, Crystal Brands, R.H. Macy & Co., JPS Textile Group, MB Holdings, Eastern Air Lines, Texaco Inc., and the chapter 15 foreign representatives of Hollinger Inc. and Kaupthing Bank.
Ms. Richardson also represents major institutions (which have included Bank of America Merrill Lynch, JPMorgan Chase, The Royal Bank of Scotland, Citibank, N.A., Brookfield Asset Management, General Electric Capital Corporation, 3M, and Odyssey Partners) as debtor-in-possession lenders, secured and unsecured creditors, prospective acquirers, and investors in numerous cases, such as Marco Polo Seatrade, SunCal Companies, Lehman Brothers, Blockbuster, Inc., U.S. Gen, Printing Arts America, Recycling Industries, Kamine/Besicorp Allegany, Taren Holdings, The Plaza Hotel, Telesphere Communications, Elder-Beerman, Cook Inlet Communications, and Southland Corporation. Her representations of official and unofficial committees have included the unsecured creditors’ committee in the Truvo USA and Piece Goods Shops chapter 11 cases and the informal bondholder group in the Homer City Funding chapter 11 case.
Ms. Richardson is editor of the two-volume treatise Reorganizing Failing Businesses (published by the American Bar Association, Section of Business Law) and Restructurings: Extracting Value from a Distressed Enterprise (Euromoney Publications), as well as author of numerous publications and has lectured on current bankruptcy issues.
Ms. Richardson has been recognized on multiple occasions by Super Lawyers, including as one of the top 30 women bankruptcy attorneys in New York and as a leading attorney overall in the New York City metropolitan area. She has served on the drafting committee for the U.S. Bankruptcy Court for the Southern District of New York, responsible for the procedural guidelines adopted for prepackaged chapter 11 cases and was a member of the working group for the development of the court’s electronic case filing system. Ms. Richardson is a member of the American Bar Association, the New York City Bar Association, and the American Bankruptcy Institute.
Ms. Richardson received her B.A. from William Smith College, her M.Ed. from Antioch/New England Graduate School, and her J.D. from Benjamin N. Cardozo School of Law, where she served as managing editor of the Cardozo Law Review. She is admitted to practice in the State of New York and the U.S. District Court for the Southern District of New York.
Gary Ticoll represents institutional investors, public corporations, bondholders, hedge funds, postpetition lenders, and acquirers of distressed assets in complex corporate reorganizations both out of court and in chapter 11. Representations include public corporations and chapter 11 debtors involving domestic, multi-jurisdictional, and cross-border matters across a wide variety of industries including shipping, aviation, telecommunications, automotive, healthcare, finance, and real estate.
Mr. Ticoll’s debtor representations include Republic Airways, Ultrapetrol (Bahamas), Parmalat, Global Crossing, Telewest, and Twinlabs. On the non-debtor side, Mr. Ticoll’s representations include a group of hedge funds in the GM bankruptcy in connection with Nova Scotia bond, a bond investor group in the Rubicon chapter 11 loan, Starwood Capital in Extended Stay, and Square Mile in a number of contentious bankruptcy litigations involving hotels and extended care facilities.
Mr. Ticoll also represented lenders, lessors, and investors in the bankruptcy cases of debtors such as GST Telecommunications, National Steel Corporation, Golden Books Family Entertainment, and Star Telecommunications, and General Motors in the chapter 11 cases of Tower Automotive and Delphi. Mr Ticoll represented the official committee of unsecured creditors in the chapter 11 cases of Mariner Post Acute Network, Inc.
Mr. Ticoll received his M.S. (Computer Science) and B.S. (Mathematics) from McGill University, and LL.B and B.C.L. law degrees from McGill University School of Law. Mr. Ticoll is admitted to practice in the State of New York, the United States District Court for the Southern District of New York, the United States District Court for the Eastern District of New York, the United States District Court for the Eastern District of Michigan, the Second Circuit Court of Appeals, and the First Circuit Court of Appeals. | finance |
https://www.americananchorhomes.com/turnkey-investors | 2019-10-16T19:49:36 | s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570986669546.24/warc/CC-MAIN-20191016190431-20191016213931-00156.warc.gz | 0.936994 | 298 | CC-MAIN-2019-43 | webtext-fineweb__CC-MAIN-2019-43__0__75341704 | en | investing in turnkey rentals
American Anchor Homes is committed to providing you with sustainable real estate investment properties in Cleveland, Ohio. Our goal is to help you create positive cash flow and passive income, while also providing high quality rental homes for hardworking families and tenants. Creating and building relationships is important to us. We'll walk you through every step to ensure a simple, stress free investment process. Our team will manage every aspect of your investment property, so you can truly be hands-off.
- We prefer cash investors, but if you will be using financing, you will need to get pre-approved.
*If you need a lender, we have a network of preferred lenders who specialize in investment loans.
- Select the property you're interested in from our website by submitting an inquiry, our sales team will be in touch within 24 hours.
- We'll send you a contract for the property, which you'll review and send back to us.
- You'll send a deposit (earnest money) to our title company.
- If you wish to arrange home inspections, we will schedule them at this point.
- Closing documents will be reviewed and signed. Once docs are signed, the property is yours!
- We'll then introduce you to our Property Management team.
Not sure if turnkey is for you? Have a question for us?
Send us a message, and we'll get back to you within 24 hours. | finance |
http://www.wammdc.org/wamm.nsf/DocView?Open&UNID=714a81f1b7a1ed21852587c300032862 | 2022-08-13T22:05:01 | s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882571987.60/warc/CC-MAIN-20220813202507-20220813232507-00571.warc.gz | 0.945858 | 291 | CC-MAIN-2022-33 | webtext-fineweb__CC-MAIN-2022-33__0__129117253 | en | Fixed Income Market Update
Please join us at our event on
Wednesday, January 19, 2022 at 6:15 PM
Presented online via GoToMeeting
Access instructions will be emailed to those who register
All eyes are on interest rates as we begin a new year. How quickly might the Federal Reserve raise interest rates and taper its asset purchases, and how much might this dampen the bond markets and markets overall? Are investors’ fears of higher inflation well-founded and which fixed income asset classes are best positioned for gains in 2022?
Join us for exclusive insights from Ellen Safir, founder and Chief Investment Officer of New Century Advisors (NCA), where she is responsible for the firm’s overall investment and business strategies. An early adopter of TIPS, she has helped advance the firm's reputation as an expert in inflation-linked securities. Her expertise includes high-yield and emerging markets as well as traditional fixed income sectors.
Please note that the Chatham House Rule applies – neither the comments of the speaker nor those of other participants are for attribution.
Please register by 5:00 PM ET on Wednesday, Jan 19, 2022 below and provide your name, email address, and the name of your company/employer. Note that there is a limit to the number of participants. Please register early! Conference call details will be provided prior to the call on Wednesday, Jan 19, 2022. | finance |
https://www.mfamfunds.com/insights/motley-fool-global-opportunities-fund-results-third-quarter-2018/ | 2020-10-26T06:18:42 | s3://commoncrawl/crawl-data/CC-MAIN-2020-45/segments/1603107890586.57/warc/CC-MAIN-20201026061044-20201026091044-00664.warc.gz | 0.960502 | 1,480 | CC-MAIN-2020-45 | webtext-fineweb__CC-MAIN-2020-45__0__163360330 | en | In September, the Federal Reserve raised target U.S. interest rates for the third time in 2018, sending a clear signal that the strong domestic economy continues to chug along. Our read of the data is similar – this is a very healthy economy. Central bankers elsewhere in the world remain accommodating, cajoling growth without being extreme.
The relative performance of global economies lines up with the performance of global markets. In the third quarter, the U.S. market rose 6.7%, international developed markets climbed 2.9%, and emerging markets fell by 0.2%. Year to date through the third quarter, the U.S. market is up 8.1%, international developed markets are down 3.1%, and emerging markets have declined by 11.7%.
We continue to see strong results from most of the businesses we own. The MFAM Global Opportunities Fund advanced 7.1% during the quarter and is up 13.2% for the year. That performance handily outpaces our benchmark, the FTSE Global All Cap, which has risen around 4% for both comparable periods. The fund is nicely ahead of its benchmark not just year to date but also since inception.
Our best performing stock during the quarter was Paycom Software, up 57%. What began as a cloud-based payroll processing firm today offers a full software suite to manage the entire life cycle of an employee, from hiring to departure. The breadth of its product suite, its ease of use, and an effective sales organization have helped Paycom become a winner in the midsize segment of its market. In a recent financial release, the company reported accelerating revenue growth and impressive profitability. Paycom has benefited from a strengthening U.S. employment picture, but it also continues to take market share from upstart and incumbent competitors. It has grown to become a top 10 position in the fund.
Our worst performer this quarter was IPG Photonics, down 29%. Investors were caught off guard when the company reduced sales growth expectations for the remainder of the year, and ongoing tariff and trade issues spooked customers in both China and Europe. About half of the company’s sales are to China, and customers simply didn’t order at the expected rate. However, those orders were delayed, not canceled. The company has been disrupting the laser market for some time, and our holding has been a fantastic winner for the fund. IPG remains the leader in the high-power fiber laser market. Fiber lasers are being increasingly used in machining and industrial applications, since they’re more efficient and precise, require less maintenance, and cost less than traditional lasers. We acknowledge there will be ups and downs, especially given the company’s end markets, but we also take heart in seeing that management continues to prepare for higher volumes by purchasing land and building a new manufacturing facility. We feel confident that future performance will have a positive slope.
During the quarter we sold two long-time holdings: Berkshire Hathaway and Infinera. Warren Buffett’s company sports an impressive amalgamation of businesses, but its crown jewel is its insurance operations. Our decision to sell was simply one of opportunity costs. While we continue to view Berkshire as a low-risk holding, given its diverse operations and remarkable leadership, we felt our return expectations over the next decade were lackluster. Last quarter I wrote: “We manage focused portfolios, and the bar for capital commitment must remain high. When opportunities arise to improve portfolio quality, return potential, and risk exposures with a high level of confidence, we take action.” Selling Berkshire is consistent with that approach.
Infinera’s history in the fund has been eventful, at times being a multibagger and at other times being a drag on our performance. We’ve always liked the secular trends underlying Infinera’s customer demand, since an increasingly connected world with an insatiable appetite for data needs the kind of networking equipment Infinera makes. However, we’ve grown increasingly skeptical of our initial view of the company’s advantage, and we also note its persistent execution issues, along with a strategy that increasingly hinges on acquiring other businesses to try to make things better. In short, we were wrong on our assessment of Infinera’s business quality. We misjudged in each of the four pillars of quality. We consider it a learning experience and will endeavor not to make the same mistake again.
Observing economic data is fine, but it’s a backward-looking view. I believe our fund’s strong performance is the result of a clear focus on the future. The types of businesses we seek out – high-quality, growth-oriented businesses that are addressing large, underserved markets — are ones that should perform admirably in any economic environment. While the performance of their stock prices may diverge temporarily, business fundamentals will be the gravity that brings those prices back in line with reality. With that guiding belief, our focus will remain on analyzing businesses with a long-term mindset, a relentless desire to upgrade our portfolio, and a humility that keeps our decision-making calculated.
The Small-Mid Cap Growth Fund changed its name from The Great America Fund on December 31, 2017.
Note: The Morningstar RatingTM for funds, or ‘star rating’, is calculated for managed products (including mutual funds, variable annuity and variable life subaccounts, exchange-traded funds, closed-end funds, and separate accounts) with at least a three-year history. As of 9/30/2018, the Motley Fool Global Opportunities Fund (Investor shares) was rated in the World Large Stock Funds category, receiving a five-star rating among 739 funds over a three-year period and a four-star rating among 611 funds over a five-year period.
Exchange-traded funds and open-ended mutual funds are considered a single population for comparative purposes. It is calculated based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a managed product’s monthly excess performance, placing more emphasis on downward variations and rewarding consistent performance. The top 10% of products in each product category receive 5 stars, the next 22.5% receive 4 stars, the next 35% receive 3 stars, the next 22.5% receive 2 stars, and the bottom 10% receive 1 star. The Overall Morningstar Rating for a managed product is derived from a weighted average of the performance figures associated with its three-, five-, and 10-year (if applicable) Morningstar Rating metrics. The weights are: 100% three-year rating for 36-59 months of total returns, 60% five-year rating/40% three-year rating for 60-119 months of total returns, and 50% 10-year rating/30% five-year rating/20% three-year rating for 120 or more months of total returns. While the 10- year overall star rating formula seems to give the most weight to the 10-year period, the most recent three-year period actually has the greatest impact because it is included in all three rating periods. Past performance is no guarantee of future results. | finance |
https://ssl.application.studio/posts/How_SSL_Encryption_Safeguards_Online_Financial_Transactions | 2023-12-04T06:10:49 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100525.55/warc/CC-MAIN-20231204052342-20231204082342-00856.warc.gz | 0.874735 | 624 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__314025406 | en | How SSL Encryption Safeguards Online Financial Transactions
In today's digital landscape, the importance of ensuring secure online financial transactions cannot be overstated. As technology evolves, so do the methods employed by cybercriminals to compromise sensitive information, making it crucial for businesses and consumers to prioritize the implementation of robust security measures. One such measure that has become a standard in the industry is SSL encryption.
Understanding SSL Encryption
Secure Socket Layer (SSL) encryption is a cryptographic protocol that establishes a secure connection between a web server and a user's browser. This protocol ensures that the information exchanged during the online transaction remains encrypted and protected from unauthorized access.
The Role of SSL Encryption in Online Financial Transactions
Data Encryption: SSL encryption encrypts data transmitted between the web server and the user's browser, making it virtually impossible for malicious actors to intercept and decipher sensitive information such as credit card details, social security numbers, or banking credentials.
Authentication: SSL certificates are issued by trusted Certificate Authorities (CAs) that verify the identity and legitimacy of the website or organization. This authentication ensures that users are interacting with a trusted entity, reducing the risk of falling victim to phishing scams or visiting fraudulent websites posing as legitimate financial institutions.
Data Integrity: SSL encryption also encompasses data integrity, ensuring that the information exchanged during a transaction remains unaltered. By utilizing hashing algorithms and digital signatures, SSL protocols detect any modifications or tampering attempts, thereby safeguarding the integrity of sensitive data.
Trust and Customer Confidence: Implementing SSL encryption is a clear demonstration of a website owner's commitment to protecting their users' data. Visible SSL indicators such as the padlock icon and "https://" in the URL instill trust and confidence in users, significantly increasing the likelihood of them proceeding with online financial transactions.
SSL Best Practices for Websites
To maximize the effectiveness of SSL encryption for online financial transactions, consider the following best practices:
Obtain a Trusted SSL Certificate: Ensure your SSL certificate is obtained from a reputable Certificate Authority. This ensures that users' browsers recognize and trust your website's SSL encryption.
Keep Certificates Up to Date: Regularly renew and update SSL certificates to avoid any disruptions in security and maintain the trust of your users.
Enable HTTPS for Entire Website: Extend SSL encryption throughout your entire website, not just the transactional areas. This provides a consistent and secure experience for users.
Investigate Extended Validation (EV) Certificates: EV Certificates offer the highest level of authentication and display the company name prominently in the browser's address bar. Consider obtaining an EV Certificate to establish an even greater sense of trust.
In the realm of online financial transactions, SSL encryption plays a pivotal role in establishing a secure environment for businesses and consumers alike. By encrypting data, providing authentication, ensuring data integrity, and building trust, SSL encryption safeguards sensitive information from falling into the wrong hands. Implementing SSL best practices should be a priority for any website processing online financial transactions, helping to create a safe and secure digital landscape for all users. | finance |
http://kspec.com.au/nsw-home-warranty-inspections/ | 2019-09-18T13:36:12 | s3://commoncrawl/crawl-data/CC-MAIN-2019-39/segments/1568514573289.83/warc/CC-MAIN-20190918131429-20190918153429-00483.warc.gz | 0.939424 | 380 | CC-MAIN-2019-39 | webtext-fineweb__CC-MAIN-2019-39__0__41491752 | en | NSW Owner Builder Home Warranty insurance scheme is an important part of the NSW government consumer protection strategy.
Owner Builder Warranty is designed to provide a safety net (added security measure) to the purchaser of an owner built home or residential construction.
Home Warranty is designed to protect the purchaser (not the Owner Builder), if and when the Owner Builder is unable or unwilling to fulfil their legal obligation to rectify any defective work in an event of death, disappearance or insolvency of contractor/builder/owner-builder.
A Home Warranty Inspection or Owner Builder Inspection is carried out as a final check of works completed by an owner builder as a requirement of home warranty insurance cover. The inspection is to ensure there are no incomplete works or major defects.
From 1 February 2012, home warranty insurance is required to be obtained where the contract price (or value of work) is over $20,000.
We carry out home warranty inspections / Owner Builder Inspections for bathroom renovations, kitchen renovations, additions, extensions, alterations, new homes, subdivisions, duplexes, dual occupancies, units and villa developments.
Once the inspection has been carried out, we compile a Home Warranty inspection report or Owner Builder Warranty Report for you to submit to your insurer.
Please remember if you are selling or intend to sell your property that you were the owner builder or if you have done any renovations or additions under an owner builder permit in the past 6 years. It is a legal requirement to obtain home warranty insurance prior to the sale of the property.
You can visit the warranty insurance fund website for more information.
K-Spec Building Consultants comply with the relevant Australian Standards, AS 4349.0 & AS 4349.1
It is important to note that Home Warranty Inspections are not the same as pre-purchase Building Inspections (see our Pre Purchase inspection) | finance |
https://ledgeiocomstiart.gitbook.io/us | 2024-04-14T15:18:55 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816879.72/warc/CC-MAIN-20240414130604-20240414160604-00891.warc.gz | 0.890379 | 678 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__117481788 | en | Ledger.com/start serves as your gateway to beginning your journey into the world of secure cryptocurrency management. In this guide, we'll walk you through the steps to get started with Ledger, ensuring that you can securely store, manage, and transact your digital assets with confidence.
1. Visit Ledger.com/start:
Begin by navigating to ledger.com/start in your web browser. This page serves as the starting point for setting up your Ledger device and creating a new cryptocurrency wallet.
2. Choose Your Ledger Device:
On the ledger.com/start page, you'll find options for different Ledger devices, such as Ledger Nano S, Ledger Nano X, and Ledger Nano Blue. Choose the device that best fits your needs and preferences.
3. Purchase Your Ledger Device:
If you haven't already, you'll need to purchase your Ledger device. You can do this directly from the Ledger website or through authorized retailers.
4. Initialize Your Ledger Device:
Once you've received your Ledger device, follow the instructions provided to initialize it. This typically involves setting a device label, creating a PIN code, and generating a recovery seed phrase.
5. Backup Your Recovery Seed:
During the initialization process, your Ledger device will generate a recovery seed phrase consisting of 24 words. Write down this seed phrase and store it in a safe and secure location offline. Your seed phrase is essential for recovering access to your wallet if your Ledger device is lost, stolen, or damaged.
6. Install Ledger Live:
After initializing your Ledger device, you'll need to install Ledger Live, the companion software application that allows you to manage your cryptocurrency assets. You can download Ledger Live from the Ledger website or through the appropriate app store for your device.
7. Connect Your Ledger Device:
Connect your Ledger device to your computer or mobile device using the provided USB cable. Ensure that your device is powered on and unlocked.
8. Follow On-Screen Instructions:
Once your Ledger device is connected, launch Ledger Live and follow the on-screen instructions to set up your account and link your Ledger device. You may need to install device drivers or firmware updates if prompted.
9. Add Cryptocurrency Accounts:
With your Ledger device connected and initialized, you can now add cryptocurrency accounts to Ledger Live. Navigate to the "Accounts" tab and follow the prompts to add accounts for the cryptocurrencies you wish to manage.
10. Secure Your Accounts:
Set up additional security features within Ledger Live, such as PIN protection, passphrase encryption, and two-factor authentication (2FA), to enhance the security of your accounts.
11. Manage Your Portfolio:
Once your accounts are added, you can use Ledger Live to monitor your cryptocurrency portfolio, view account balances, track transaction history, and execute transactions securely.
By following these steps outlined on ledger.com/start, you can securely set up and manage your cryptocurrency assets with Ledger. With its robust security features, user-friendly interface, and comprehensive cryptocurrency support, Ledger provides you with the tools you need to take control of your digital finances with confidence. | finance |
http://stopsmoking-tips.org/reward-yourself-after-quitting-smoking/368 | 2022-07-05T09:20:39 | s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656104542759.82/warc/CC-MAIN-20220705083545-20220705113545-00592.warc.gz | 0.960488 | 408 | CC-MAIN-2022-27 | webtext-fineweb__CC-MAIN-2022-27__0__169486617 | en | Quitting smoking is a huge accomplishment and you are going to want to reward yourself at some point. The reward aspect will help to motivate and keep your eyes on the future of not smoking. Smoking is an expensive habit and can for some cost them over $2,000 per year. That isn’t including possible medical costs and the cost of lost productivity at work.
The best way to reward yourself after quitting smoking is to calculate how much you spend daily on cigarettes then multiply by 365 to find out the yearly cost. For example; if you smoke a pack a day at $4 each (in actuality it is more like $5.15) you are spending ($4 x 365) $1,460 a year on cigarettes. If you smoke a pack of cigarettes every other day then you are spending approximately $2 a day or $730 year. Think about what you could do with that extra money. You could buy additional food for the family, pay bills, buy a tv, take a trip, join a gym, buy a camera, etc. With the above scenarios, that is $60 to $120 a month that is spent on cigarettes. You know that there are better ways to spend that money!
For many it may be difficult to wait a full year to reward yourself for quitting. A good place to start is the day you quit smoking put what you used to spend daily on smokes into a jar. After the first 30 days take that money and reward yourself. Continue to contribute to your “reward fund” and this time reward yourself at the six month marker. As you can see the rewards get bigger and better.
This is an important step to do when quitting smoking. It helps to keep motivated and reinforces your decision to quit. Take the time the first year to do this because if you let it go you may look back and still wonder where all your money goes. It seems no matter how much money you make a month it always goes fast so plan to reward yourself. | finance |
http://frontiertitlegroup.com/ | 2018-12-17T15:00:52 | s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376828507.84/warc/CC-MAIN-20181217135323-20181217161323-00247.warc.gz | 0.923011 | 458 | CC-MAIN-2018-51 | webtext-fineweb__CC-MAIN-2018-51__0__181180134 | en | Frontier Title provides personalized service and attention in all aspects of closing real estate transactions.
About Frontier Title Group
Frontier Title provides personalized service and attention in all aspects of closing real estate transactions. From the careful management of escrow funds and the clearance of title issues, to the preparation and closing of your file, we understand the unique needs of each of our clients. You can rely on our dedicated staff to be proactive at all times, avoiding last minute obstacles that could otherwise create unnecessary delays.
Founder, Michael Sexton, has over 30 years of experience as a senior manager for major title insurance underwriters and has overseen and underwritten thousands of real estate transactions. His unique experience and grasp of the market, along with his ability to provide accurate underwriting solutions quickly, gives our customers an edge in this challenging market when every decision is critical. Each office is staffed by managers who are licensed and have a minimum of years of experience in the title insurance business.
Our expert team of title examiners and closers guide real estate agents, buyer and sellers through the closing process. There are never any up-front fees. Customer Service 24 hours is the typical turnaround time for title commitments and in most cases we can provide them in a matter of hours. We do this by utilizing our in-house title search team, thereby providing the highest level of service to our customers.
At Frontier Title Group, security of escrow funds is our highest priority. Our title company is underwritten by Alliant National Title Insurance Company, one of the leading providers of title insurance and related services to the real estate industry. At Frontier Title Group, we utilize the latest anti-fraud software, including positive pay, daily reconciliation of the escrow accounting plus a complete integration with our underwriter to provide maximum security of escrow funds. Our company maintains a $1,000,000 errors and omissions policy, a $50,000 fidelity bond and a $35,000 Surety Bond.
A Winning Combination
With a combination of experience, dedication and ethical practices, Frontier Title Group offers expert underwriting, reliability and quality service. For a quote on your next title order, please contact us at 800-330-5580. We look forward to serving you! | finance |
https://florislatinkitchen.com/10-essential-insurance-policies-you-cant-afford-to-ignore/ | 2023-12-02T02:12:26 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100309.57/warc/CC-MAIN-20231202010506-20231202040506-00803.warc.gz | 0.939247 | 608 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__76213159 | en | In an unpredictable world, insurance acts as a financial safety net, shielding you and your loved ones from unexpected events. Understanding the diverse range of insurance policies available can empower you to make informed decisions that protect your assets, health, and peace of mind. Here’s an in-depth look at the ten essential insurance policies you should consider:
Health insurance is your ticket to quality healthcare without exorbitant costs. It covers hospitalization, medical treatments, prescription drugs, and preventive care. Having health insurance ensures you can focus on your recovery instead of worrying about medical bills.
Life insurance provides financial support to your family in the event of your demise. It can cover funeral expenses, outstanding debts, mortgages, and even fund your children’s education. Having adequate life insurance ensures your loved ones are financially secure, even if you’re not around.
Auto insurance is mandatory in most places and protects you from financial liabilities in case of accidents. It covers repair costs for your vehicle and any other property damaged in the accident. Additionally, it offers liability coverage, safeguarding you from legal consequences.
Homeowners insurance protects your home and belongings from damage or theft. Renters insurance covers personal property in rental units. Both policies also provide liability protection, which is crucial in case someone is injured while on your property.
Disability insurance ensures you have a source of income if you’re unable to work due to a disability. It covers a portion of your salary, allowing you to maintain your lifestyle and meet financial commitments despite the loss of income.
Travel insurance provides coverage for various travel-related issues such as trip cancellations, medical emergencies, lost luggage, and flight delays. It offers peace of mind during your travels, ensuring you are financially protected against unexpected events.
Long-Term Care Insurance
Long-term care insurance covers the costs of extended healthcare services, including nursing homes and in-home care. It is especially important as regular health insurance plans may not cover these expenses, which can be significant in the long run.
If you own a business, various insurance policies such as property insurance, liability insurance, and workers’ compensation insurance protect your business assets and employees. Business insurance safeguards your venture from unexpected events, allowing it to thrive even during challenging times.
Pet insurance covers veterinary costs for your beloved pets. It ensures that you can provide them with necessary medical care, including surgeries and treatments, without worrying about the financial burden.
Umbrella insurance provides additional liability coverage beyond the limits of your existing policies. It offers an extra layer of protection, guarding your assets and future earnings in case you face a lawsuit or substantial financial liability.
Investing in these essential insurance policies is an investment in your future and the well-being of your loved ones. Carefully assess your needs, consult with insurance experts, and create a robust insurance portfolio tailored to your unique circumstances. By doing so, you are not only securing your present but also building a foundation for a financially stable future. | finance |
https://naftz.org/team/morris-melvin/ | 2022-08-09T14:14:51 | s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882570977.50/warc/CC-MAIN-20220809124724-20220809154724-00329.warc.gz | 0.945146 | 153 | CC-MAIN-2022-33 | webtext-fineweb__CC-MAIN-2022-33__0__125002664 | en | Senior Manager of Accounting and Administration
As Senior Manager of Accounting and Administration, Morris is responsible for all accounting functions for the association, including financial statements and audits, member billing and recordkeeping, and staff payroll and benefits administration. He also serves as office manager for our Washington, DC headquarters.
Before joining NAFTZ, Morris was a Senior Accountant for National League of Cities in Washington, DC. He has also held accounting positions at the American Society of Civil Engineers in Reston, VA, National Linen Service in Alexandria, VA and PricewaterhouseCoopers in Chicago, IL.
Morris holds a Bachelor of Science degree in Business from Cornell University. | finance |
https://ninjatrader.medium.com/what-are-btic-bitcoin-futures-46a9b24e7c34?source=post_internal_links---------0---------------------------- | 2024-04-12T13:31:32 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816024.45/warc/CC-MAIN-20240412132154-20240412162154-00302.warc.gz | 0.917894 | 794 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__153561446 | en | What is BTIC?
Basis Trade at Index Close (BTIC) allows market participants to trade futures at a fixed spread to the reference price of a known benchmark index.
Watch this 4 -min video to learn more about BTIC Bitcoin Futures
How does BTIC work?
BTIC orders and transactions have their own unique tickers, providing market participants price discovery and transparency on the spread between the price of the futures contract and the underlying index throughout the trading day.
For cryptocurrencies, the value of the spread depends on the futures implied financing rate, the time left to contract maturity, and perceived volatility among other factors. The spread can either be negative or positive.
Once the official reference rate is published, the resultant futures of the BTIC transaction are cleared at a price equal to the reference rate and the agreed upon BTIC trade price.
BTIC transactions completed by 4:00 p.m. London time will use that trade date’s Reference Rate to calculate the corresponding futures price while those BTIC transactions completed after 4:00 p.m. London time will be against the next trade date’s Reference Rate.
BTIC Bitcoin Example
At 9:00 a.m. New York time/Eastern Time (ET), a Bitcoin-focused fund manager receives an inflow of $5 million dollars which needs to be allocated to the benchmark CME CF Bitcoin Reference Rate (BRR) for that day.
With Bitcoin futures trading at $60,000 per Bitcoin, the trader calculates that the fair value of the spread between Bitcoin futures and the BRR is plus $100 per Bitcoin. She submits an order to buy 25 Bitcoin futures contracts via BTIC at that basis of plus $100 dollars based on that day’s Bitcoin Reference Rate.
At the same time, a trader on a crypto lending desk realizes he could save money by replacing his short physical Bitcoin position with CME Bitcoin futures. He calculates that he needs to sell those futures at a basis of plus $100 dollars per Bitcoin or higher.
Having sold the futures via BTIC, the crypto brokerage can purchase $5 million dollars’ worth of Bitcoin in the OTC spot market against the BRR for that day to transpose his short physical Bitcoin position to futures. Now the BTIC is complete.
The fund manager was able to expeditiously and efficiently gain exposure to Bitcoin’s price while the crypto lending firm was able to shift their Bitcoin exposure from the physical market to more capital-efficient futures. Shortly after 4:00 p.m. London time, the official BRR level of 60,500 is published. The trade is now settled.
The fund manager buys 25 Bitcoin futures contracts for $60,600 which is a plus one-hundred basis to the BRR level, and the crypto lending desk sells them at the same price.
This illustrates how some crypto market participants may use BTIC, and how the mechanism can provide traders the ability to optimize their holdings between Bitcoin futures and physical Bitcoin.
Get Started with NinjaTrader
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Download NinjaTrader’s award-winning trading platform and get started with a free trading demo with real-time market data today!
This article is intended for educational and informational purposes only and should not be viewed as a solicitation or recommendation of any product, service or trading strategy. It includes content from independent persons or companies that are in no manner affiliated with NinjaTrader Group (NTG) or any of its affiliates. The content and opinions expressed in this article do not necessarily reflect the official policy or position of NinjaTrader or any of its affiliates. | finance |
https://www.equistax.com/about-us | 2023-12-08T07:17:14 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100724.48/warc/CC-MAIN-20231208045320-20231208075320-00695.warc.gz | 0.94492 | 402 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__15533724 | en | EQUIS Tax LLC is a Massachusetts-based accounting firm specializing in taxation. EQUIS services include tax compliance/preparation, tax planning, tax resolution, audit representation, accounting/bookkeeping, and related professional services for Individuals, Businesses, Estates, Trusts, and Non-Profits.
Located in Lynnfield, Massachusetts, EQUIS serves clients throughout the United States. EQUIS tax accountants, along with their 3rd party affiliates, provide a collaborative team of highly qualified professionals to help clients meet all of their tax, business, estate, legal, and financial planning needs.
Established in 2000, EQUIS is a family practice dedicated to providing a high level of service to its clients, year-round. EQUIS tax accountants are federally licensed with unlimited rights to practice before the Internal Revenue Service in all 50 States, and can represent taxpayers before the IRS worldwide.
Lawrence J. Drinkwater, Jr., EA
Principal & Tax Accountant
Larry Drinkwater, the founder and principal of EQUIS, is a federally licensed Enrolled Agent with more than 40 years of business management, tax, and accounting experience, supporting organizations ranging from small start-ups to Fortune 50 enterprises. Larry specializes in business consultation, and advises EQUIS clients in all areas of Individual, Business, and Estate taxation.
Marc L. Drinkwater, EA
Marc Drinkwater joined EQUIS in 2005 to coordinate the firm’s tax research function. Marc became federally licensed as an Enrolled Agent in 2013. His knowledge and application of tax law, case law, and revenue rulings span a wide range of Individual, Business, and Estate tax topics. Marc collaborates with Larry in support of all EQUIS clients.
Karen A. Drinkwater
Karen Drinkwater joined EQUIS shortly after its formation in 2000 to manage office administration, and to help maximize the firm’s productivity during the tax filing season. All scheduling is coordinated directly through Karen. | finance |
http://euphoricblog.com/finance-faq.html | 2022-05-28T04:48:13 | s3://commoncrawl/crawl-data/CC-MAIN-2022-21/segments/1652663012542.85/warc/CC-MAIN-20220528031224-20220528061224-00538.warc.gz | 0.949545 | 330 | CC-MAIN-2022-21 | webtext-fineweb__CC-MAIN-2022-21__0__65365140 | en | Finance Frequently Asked Questions(FAQ)
Beaver Coach Sales understands that your next RV purchase is an investment in your future. We hope the following questions and answers help simplify the process. If you don't see your question below contact us or visit us at our facility in Bend, Oregon.
How much money will I need upfront to purchase an RV?
As a general rule, lenders require a minimum of 10% down in the form of cash, actual trade equity or a combination of both.
What are the longest payment terms for an RV?
Many of our lenders offer terms up to 240 months (20 years) if certain criteria is met.
Do I need good credit to qualify for an RV loan?
A good credit rating will help secure the best available rates and terms, we also partner with lenders that will work with those that may have experienced a bump or two in the road.
Can I trade in my RV if I have a balance or lien on my trade?
Absolutely! In fact, trade-ins with pay-offs represent the bulk of our transactions.
What banks do you use for RV financing?
We partner with several banks such as US Bank, Bank of America, Bank of the West, Huntington Bank and Ally Bank. We also work with local and national credit unions.
What would a monthly RV payment look like?
Our goal is to always secure the lowest and best terms available. Your monthly payment is ultimately based on the amount financed and the final terms approved. We are happy to work with you to achieve the RV of your dreams at a payment that is comfortable. | finance |
https://www.creatinggenerationalwealth.info | 2024-03-05T04:48:44 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707948217723.97/warc/CC-MAIN-20240305024700-20240305054700-00548.warc.gz | 0.943486 | 148 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__53698590 | en | Since last month
Only one thing stands between you and the generational wealth you desire to create: developing a proven, time-tested plan based on solid information. The wealthiest families and institutions around the globe use this approach every single day. Eighty percent of Americans do not have the information they need to create financial stability or generational wealth. While it may seem like you have to be wealthy to generate even more wealth, nothing can be further from the truth. There are no secrets! In this powerful resource, wealth strategist Douglas A. C. Eze draws on his personal journey from immigrant to financial expert, extensive experience with wealthy clients and decades of research to reveal a practical approach that helps every day, ordinary people create lasting financial legacies. | finance |
http://www.neerajfinancial.com/resources.html | 2013-05-20T09:28:39 | s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368698693943/warc/CC-MAIN-20130516100453-00044-ip-10-60-113-184.ec2.internal.warc.gz | 0.95003 | 1,926 | CC-MAIN-2013-20 | webtext-fineweb__CC-MAIN-2013-20__0__57623247 | en | Current Issue - Do you have $10,000+ overseas?
ONGOING CASE: HSBC India Client (Dr. Arvind Ahuja of Greendale, Wisconsin) Indicted for Filing False Tax Returns and Failing to Report Foreign Bank Account. Click here for Department of Justice, Press Release. (June, 2011)
RECENT INDIA ABROAD PUBLICATION: "The Battle Lines Are Drawn" (Aug 5, 2011). In response to this on-point article, I wrote the following Letter to the Editor. My letter in its entirety is below:
Dear India Abroad Editor – The cover article, "The Battle Lines Are Drawn" (India Abroad, Aug 5, 2011), paints a picture of doom and gloom for U.S. persons who have undisclosed financial interests in overseas financial accounts that exceed USD equivalent of $10,000 in aggregate. The article falsely chooses to suggest that all cases are treated the same. In fact, the opposite is true - each case must be evaluated independently. The article goes on to suggest that U.S. persons have only two choices: 1) apply for the 2011 Offshore Voluntary Disclosure Initiative (OVDI) which is available only through August 31, 2011 or 2) take a "monumental" risk in the form of "harsher penalties and even jail time." This is absolutely not true. While the OVDI is an option, it is not the only option that U.S. persons have.
The OVDI program, at a glance - If accepted into the OVDI program, then taxpayers become compliant while avoiding substantial civil penalties of prior noncompliance of reporting of foreign bank and financial accounts and generally eliminate the risk of criminal prosecution. The OVDI comes with a cost; in lieu of other penalties that may apply, taxpayers may need to pay a penalty equal to 25% of the highest aggregate balance in foreign bank accounts during the period covered by the program, calendar years 2003-2010.
My name is Neeraj L. Shah, and I am based in Rochester, NY. I am a licensed CPA and attorney. We serve clients nationwide. My practice area is focused in estate planning, business law, and tax law. I am very well versed in the subject matter herein. The information in this letter does not constitute legal advice, but is merely an attempt to calm the readers of this publication and inform them that they still have options; options which may include minimal or even no penalties for prior noncompliance of reporting foreign bank and financial accounts. Penalties and interest with respect to unreported income on individual income tax returns are still likely to be assessed.
My message is clear: each case requires an individual assessment of its facts and circumstances (this includes but is not limited to the source of funds, foreign income relative to U.S. adjusted gross income, and your intent). It is to your benefit to consult a professional in the area who can duly provide you with your options. You will have more options today, than you have tomorrow - the August 31, 2011 deadline for applying for the 2011 OVDI is approaching fast. Contrary to what was implied in the article that was published in the Aug 5, 2011 issue, you should consider other options available to you.
Neeraj L. Shah, Esq., MBA, CPA
RECENT DAILY RECORD PUBLICATION: The Daily Record is Western New York’s daily publication with a focus on law, real estate, and finance. In its cover article published on September 6, 2011, “IRS Offshore Deadline is Friday,” Neeraj L. Shah was interviewed:
Q. Do you have over $10,000 overseas?
A. If not disclosed to the IRS, you may be liable, both civilly and criminally. There was a August 31, 2011 deadline that the IRS imposed to apply for a voluntary disclosure to reduce substantial penalties that you may face; but this is no longer available.
Q. Reporting of Foreign Bank and Financial Accounts (FBAR)?
A. A U.S. person that has a financial interest in or signature authority over foreign financial accounts (FFA) must file an FBAR, IRS Form TD F 90-22.1 if the aggregate value of the FFAs exceeds $10,000 at any time during the calendar year. This form must be received by June 30th of the year immediately following the calendar year being reported. The June 30th filing date cannot be extended. The reporting is necessary even if the account produces no taxable income. A U.S. person includes U.S. citizens, U.S. residents; entities, including but not limited to, corporations, partnerships and limited liability companies; and trusts or estates.
Account holders who do not comply with the FBAR reporting requirements may be subject to civil penalties, criminal penalties, or both. Civil penalties for willfully failing to file an FBAR can be as high as the greater of $100,000 or 50% of the total balance of the foreign account per violation. Criminal charges can subject a taxpayer to a prison term and a significant monetary fine. Call our office to ensure that you comply fully with this mandate.
Q. Have you reported Income generated from those foreign accounts?
A. The US government requires you to report all income "from whatever source derived." This included worldwide income. US persons need to be especially aware of their foreign accounts and the income generated therefrom. Taxpayers who are not in compliance can be assessed accuracy-related penalties or worse, fraud-related penalties.
Q. The IRS 2011 Offshore Voluntary Disclosure Initiative (OVDI) - NOW EXPIRED
A. The IRS is offering people with undisclosed income from offshore accounts an opportunity to participate in a new, voluntary disclosure initiative in order to get current on their tax returns. The 2011 Offshore Voluntary Disclosure Initiative (OVDI) will be available only through Aug. 31, 2011. Calendar years 2003 through 2010 in which a taxpayer has undisclosed foreign accounts are included in the 2011 OVDI disclosure period.
Taxpayers with undisclosed foreign accounts or entities may want to consider applying for the voluntary disclosure. It is one way that U.S. persons can become compliant, avoid substantial civil penalties and generally eliminate the risk of criminal prosecution. It is important to note that taxpayers who do not submit a voluntary disclosure may still have other viable options available to them, or run the risk of detection by the IRS and the imposition of substantial penalties, including the fraud penalty and foreign information return penalties, and an increased risk of criminal prosecution.
Q. Is there anything I can do considering that the OVDI option is now expired?
A. Yes! There are several options available to become compliant and minimize your risk of civil penalties and criminal prosecution. There is still time to put yourself in a better position. You need to be proactive, and address the situation instead of remaining passive. It is to your benefit to contact a qualified professional who understands both the tax issues and the legal implications. Neeraj L. Shah is one of very few that is licensed as an attorney and a CPA, as well. Our office is in Rochester, NY, and we work with clients nationwide to solve their legal and tax issues! This procedure takes time; it is imperative that clients wishing to engage our firm act now. Call us today!
Q. Can I do anything about undisclosed funds overseas?
A. Neeraj L. Shah is a licensed CPA and attorney. He is one of few that understands both the tax laws and legal issues. You may want to consult our office to discuss the fall-out of this new regulation. Remember, in addition to properly reporting your funds to the government, it may be necessary to amend prior income tax returns, file gift tax returns, and comply with other requirements. Don’t miss a step, call our office today and schedule your appointment.
Where is Your Refund?
DISCLAIMER: This website is advertising material. The choice of a lawyer is an important decision and should not be based solely upon advertisements. The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. You are invited to contact the office by phone, letters or electronic mail. Contacting the office does not create an attorney-client relationship. Please do not send any confidential information to the office until an attorney-client relationship has been established in writing. Information on this website may include hypertext links or pointers to information ceated and maintained by other public and private organizations and persons. We provide these links and pointers solely for our users' information and convenience. These references are not intended to reflect the opinion of NLS Financial Solutions nor NLS Legal Solutions, or its owners and employees. Such references are not an official or personal endorsement of any product, person or service.
KEYWORDS: Neeraj Shah, Neeraj L. Shah, Neeraj, CPA, C.P.A., MBA, M.B.A., J.D., Esq., attorney, tax, law, estate planning, financial, legal, Rochester, Gates, Penfield, solutions, tax preparation, tax prep, rochester tax preparation, rochester tax prep, gates tax, penfield tax, rochester tax, 14526, 14606 | finance |
http://katariainfotech.com/index_files/StoreAssistant.htm | 2019-03-21T16:13:22 | s3://commoncrawl/crawl-data/CC-MAIN-2019-13/segments/1552912202526.24/warc/CC-MAIN-20190321152638-20190321174638-00327.warc.gz | 0.763631 | 417 | CC-MAIN-2019-13 | webtext-fineweb__CC-MAIN-2019-13__0__104470254 | en | You Desire. We Accomplish.
- Easy POS (Point Of Sale)
- Billing & Inventory With Barcode Support
- Incentive Management
- Purchase Master, Profit/Loss Statement
- Tax Management
- Low Stock Alerts
Price: $ 99.99 INR: 4999.00
StoreAssistant is easy to use Billing and Inventory management software specifically designed for the retail business to enhance its productivity and gains by lowering the expenses spent on managing the store.
Billing & Inventory
Avail complete billing and inventory management features.
Networking Support (Multiple Computers)
Multiple computers can perform billing and inventory operations maintaining a single database.
Staff wise, Day Wise, Month Wise and Product wise incentive management program. Fixed percentage or Flat amount incentive on the products specified.
Special Incentives on the specific lots of products.
Three types of taxes depending on the product category.
Full tax details on the bills
Category wise, Product wise, Staff wise, Day Wise, Month Wise and Vendor wise sales management program.
Fixed size Computer generated barcode number printable on any laser printer.
More than one firms (upto 10) in one database.
Single Printer Support
Single printer for printing bills and barcode stickers.
Detail reporting engine to easily create hardcopies.
Variety management for each category to make different choices for items of same type.
Password protection for secure use.
Hidden product to exclude it from the normal view of the items and bills.
Item wise, Category Wise and Vendor wise purchase management.
Low stock alerts for the items specified to order in advance.
Profit and Loss
Day wise, Category wise and item wise profit and loss management.
System Requirements : Microsoft .NET 4 Framework and SQLExpress 2008
(Download available at www.microsoft.com)
StoreAssistant for .NET 4
( Fully functional trial version for 90 days )System Requirements : Microsoft .NET 4 Framework and SQLExpress 2008 | finance |
https://www.coralgablesdems.org/membership-renewal | 2023-09-30T13:14:09 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510676.40/warc/CC-MAIN-20230930113949-20230930143949-00215.warc.gz | 0.949344 | 301 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__136292683 | en | Membership in the Coral Gables Democratic Club (CG Dems) is open to all registered Democrats. Membership dues provide the primary source of revenue needed for CG Dems to achieve our mission: to maximize Democratic voter turnout countywide!
We help increase voter turnout by providing educational and informational meetings featuring Democratic candidates and experts on important Democratic issues; sponsoring targeted precinct canvasses in collaboration with other Democratic groups; funding postcard projects; and engaging in voter registration, vote-by-mail sign up and other impactful Get Out the Vote activities. CG Dems also disseminates important information on other Democratic Club, Caucus and partner events and activities, as well as items of interest specific to the Coral Gables Democratic community. Becoming a member enables you to elect and/or become a member of the CG Dems Club board of directors. CG Dems members receive discounts on CG Dems merchandise and are guests at the Members Only Annual Meeting and Holiday Party in December.
Until September 15, 2023, dues are only $40 for the sixteen months from September 2023 to December 2024. This will go up to $50 on September 16th. Dues can be paid with a credit card by filling out the info below. Membership dues can also be paid for with cash or check sent to Treasurer Julie Samkoff at 4251 Salzedo Street, PH4, Coral Gables, FL 33134.
If you want to make a one-time or monthly donation, which is also needed, head here instead. | finance |
https://www.getpinit.com/pricing/ | 2023-06-03T01:43:17 | s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224648911.0/warc/CC-MAIN-20230603000901-20230603030901-00724.warc.gz | 0.819228 | 126 | CC-MAIN-2023-23 | webtext-fineweb__CC-MAIN-2023-23__0__144993819 | en | PinIt is offered based on a per-user, annual subscription, with discount tiers based on the number of users. Prices exclude VAT.
|Number of users||Monthly costs per user||Annual costs per user|
|1 – 100||€5 / $5||€60/ $60|
|101 – 250||€4 / $4||€48 / $48|
|Enterprise / On-Premise||Contact us||Contact us|
With the free version of PinIt, you get access to all functionality for 5 users.
To purchase additional user subscriptions contact us. | finance |
https://blog.avalanche.com.au/2019/08/how-to-pitch-like-a-pro/ | 2023-12-06T14:24:02 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100599.20/warc/CC-MAIN-20231206130723-20231206160723-00731.warc.gz | 0.940705 | 639 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__153403853 | en | How to Pitch Like a Pro
You’ve done all the hard work of creating and founding your exciting new venture. But when it comes to sparking investor interest, are you struggling to capture their hearts and minds? Take a look at our top tips for pitching like a pro.
Be a Storyteller
Humans are natural storytelling beings. It allows us to convey information in a personal, attention-grabbing way that your audience will be sure to remember. Investors often hear many iterations of the same tired pitch formula, so standing out from the crowd takes a little creativity and forethought. Aim to tell the story of your startup – your initial idea, some challenges you’ve overcome… the sky’s the limit.
Mind the Time
As a rule of thumb, keep it short and punchy. If you’re promising only to take a certain amount of minutes, take a minute less. Distill your ideas into a concise set of points that you can cover fully in the time you’ve specified – don’t rush your ideas or labour the point and run out of time.
If you’re using slides, don’t get stuck on one for more than a couple of minutes; this will give your presentation a sense of movement that will keep your viewers engaged. Respect for investor’s time will show your ability to respect their potential funding. It’s a sign of reliability and will provide a solid first impression, which is one of the main goals of any pitch!
Get to the Point
It might seem obvious, but be sure to cover the basics. What is your product or service? What makes it unique? Who is your target audience? How will you bring in customers? What is your revenue model?
A flashy pitch that leaves investors scratching their heads about one of these core questions is a guaranteed flop. Back these up with data and paint a picture of your plan for your investors, which should include solid digital marketing tactics.
Practice Makes Perfect
Be sure to practice not only your pitch, but also aim to rehearse some convincing answers to the more obvious (and tougher) questions that potential investors might pose. When investors are taking the time to ask you more about your startup, it’s often a good sign – so you’ll want to make sure you don’t fumble the opportunity when it arises.
Mention an Exit Strategy
It’s harsh, it’s dry, but many pitches fail to answer an underlying question from potential investors – is this investment going to give me significant returns in a short amount of time? While it’s often seen as negative to even ponder an exit for your startup, investors are pragmatic people.
Presenting them with your exit strategy – for example, an IPO, acquisition or licensing – will boost the attractiveness of investing in your company by reducing apparent risk. It’s also showing that their investment will net them potentially big returns; far more than just a cut of your (often very theoretical) future revenue stream. It’s a win-win. | finance |
https://cdnroofdr.com/strata-interests-versus-unit-owner-interests/ | 2021-03-09T10:20:10 | s3://commoncrawl/crawl-data/CC-MAIN-2021-10/segments/1614178389798.91/warc/CC-MAIN-20210309092230-20210309122230-00161.warc.gz | 0.951445 | 813 | CC-MAIN-2021-10 | webtext-fineweb__CC-MAIN-2021-10__0__210563137 | en | by: The Great Canadian Roof Doctor November 13, 2017
Strata Unit owners expecting to move in the next few years, often have no desire to see their roofs “Weatherproofed” (extending their lifespan by cleaning, and then sealing them). They don’t want to pay a related strata fee increase that would only benefit the other remaining Unit owners. They just want their roof to last until after they have moved.
Until recently, future strata financial obligations could be substantially hidden … and conflict on the use of funds (strata interests versus individual Unit owner interests) was common. For several years now, the BC Strata Property Act and Regulations have required a significant move to transparency through the introduction of the Act’s “Depreciation Report” for stratas. In this report, stratas spell out their expense expectations for the next 30 years for paving, windows, roofing, and other anticipated major common property costs, that normally occur less often than once per year.
Of note is that potential Unit purchasers now have full access to this report through their real estate agents, and can see the strata’s expected future roof replacement costs (and timing). They will also see the projected value of the strata’s “Contingency Fund” (funded by the regular strata fees), which is the sole source of funding for these expenses. Because the fund cannot borrow, the 30 year projection of Cash Reserves can’t drop below zero. If you need a new roof, and the fund isn’t able to cover it, then the cash WILL come from the Unit owners as a “Special Levy” [SL] in the year required. This is not negotiable. The amount of that estimated future SL, is also shown in the Depreciation Report.
If your roof needs replacing 10 years from now, and the report shows a required SL of $5,000 (or whatever) per Unit, then you should expect your Unit’s market value for resale to drop by at least that amount. If buyers think of SL’s as poor management, or as a predictor of an increase in monthly fees to happen soon, then expect your value to drop even more. You don’t normally want a planned SL in the Depreciation Report.
Although the Weatherproofing savings, and roof life extension, will remove the need for a roofing related SL, there could still be some concern that Weatherproofing will bring with it, a NEW additional cost! It’s a reasonable expectation; but …
Even if the originally planned re-roofing had only been funded at half of its required rate (not uncommon in BC I’m told), the cost to Weatherproof will still be less than these currently allocated funds, and the cost can be paid from that re-roofing allocation. No new funds will be required! The roofing portion of the monthly strata fee can remain the same, and the roofing allotment that remains in the fund will continue to grow at its current rate. The reduced annualized roofing costs due to extending the life of the roof, will allow some of the roofing portion of the fee to be applied to other Contingency Report items that might be under-funded.
With one or more re-roofings now being skipped, lower ongoing roofing costs, the removal of at least one roofing related Special Levy, and no related strata fee increase required … Unit market values will now increase to above those of other stratas that are otherwise equivalent. Unit owners leaving soon will get treated fairly (and get a benefit too), and Unit owners that remain, will continue to benefit each year … on into the future.
Bob Cassady, P.Eng.
District Sales Manager
778.992.1922 – direct Comox Valley line
1.888.677.6310 – toll free | finance |
http://j-uno-associates.com/were-moving-expanding/ | 2015-11-26T14:06:50 | s3://commoncrawl/crawl-data/CC-MAIN-2015-48/segments/1448398447729.93/warc/CC-MAIN-20151124205407-00256-ip-10-71-132-137.ec2.internal.warc.gz | 0.901634 | 161 | CC-MAIN-2015-48 | webtext-fineweb__CC-MAIN-2015-48__0__157651103 | en | We’re Moving and Expanding!
J. Uno & Associates is pleased to announce that as part of our recent growth in cost estimating services, as well as the addition of construction management services, we will be moving to new offices effective May 22, 2012. Please note that our office will be closed during our relocation period from May 18-21.
Our new address will be as follows (please also note my new email address):
We are excited to be expanding our staff of both cost estimators and construction managers, and we invite you to come and visit our new space the next time you’re in the area. Thank you for your continued support, and we look forward to working on many more successful projects together.
Joseph Uno, LEED AP BD+C | finance |
https://www.bm.ru/en/about-bank/reorganization/ | 2017-11-25T03:44:15 | s3://commoncrawl/crawl-data/CC-MAIN-2017-47/segments/1510934809392.94/warc/CC-MAIN-20171125032456-20171125052456-00396.warc.gz | 0.944275 | 247 | CC-MAIN-2017-47 | webtext-fineweb__CC-MAIN-2017-47__0__122691039 | en | Please note that as of May 10, 2016 the Bank of Moscow will be reorganised following the merger with VTB Bank.
We have ensured that the best of services offered by the Bank of Moscow will remain available to you after the merger. VTB Bank will honour all obligations previously entered into by the Bank of Moscow, and will provide you with the highest level of customer service.
For your convenience, bank account numbers opened with the Bank of Moscow will not change after the merger. All products and services previously provided by the bank will continue to operate on the same terms and conditions. There is no need to renew your existing agreements with the bank.
The names of VTB branches that replace former Bank of Moscow offices, current account numbers and Bank Identifier Codes can be found here. Our departments will continue to operate at the same locations and in the usual mode, just under the VTB Bank of Moscow brand.
Throughout the reorganisation period, our 24/7 customer support centres will be happy to provide you with any assistance you might require.
For more information, please call +7 (495) 925-80-00 (for Moscow)
We are looking forward to welcoming you at your local branch! | finance |
https://www.sydneystampcoinexpo2019.org.au/volunteers | 2019-11-12T00:43:56 | s3://commoncrawl/crawl-data/CC-MAIN-2019-47/segments/1573496664469.42/warc/CC-MAIN-20191112001515-20191112025515-00557.warc.gz | 0.901665 | 709 | CC-MAIN-2019-47 | webtext-fineweb__CC-MAIN-2019-47__0__144326899 | en | To make this show an unqualified success, we will be requiring the assistance of many volunteers on all days from Tuesday 11th June until Sunday 16th June 2019. We are now calling for a commitment from the Philatelic community in the form of volunteers.
Click here to download a Form to offer your services as a Volunteer.
All of our volunteers up to and including 85 years of age are covered by death and accident insurance through the Australian Philatelic Federation’s Voluntary Workers’ Cover, the main features of which are shown below. To ensure that you are covered by this policy it is most important that you sign in upon arrival and sign out on departure.
Therefore, if you are accepted as a volunteer for the exhibition, it is essential to ensure that on each day of attendance at the exhibition venue, you sign the attendance register upon your arrival, showing the date plus time of arrival. Don’t forget to similarly sign out when leaving for the day, showing the time of departure. This register will be available at the Organising Committee table.
An Australia-wide policy covering all voluntary workers of the APF, affiliated State & Territory Councils and their affiliated Clubs & Societies was renewed on 27th March 2019. At this stage, the annual premium is being centrally funded by the APF. All State councils have a copy of this policy.
Some details of this new policy are –
* Scope of Cover - Whilst engaged in voluntary work authorised by and under the control of the Insured including direct uninterrupted travel to and from such voluntary work.
* Age Limit - 12 to 85 years.
* Waiting period (deferral) - 7 days.
* Death and Capital Benefits $ 50,000
* Maximum payable for Insured Persons aged under 19 $ 10,000
* Maximum payable for Insured Persons aged 81 to 85 $ 10,000
Weekly Accident Benefit -
* 85% of earnings up to $ 500
* Domestic Help Benefit $ 500, 85% Expense Limitation, 26 Weeks Benefit Period
* Non Medicare Medical Expenses $ 1,000, Expense Limitation 85%, $50 basic excess
* Broken / Fractured Bones Benefits $ 2,000
* Accidental HIV Infection Lump Sum Benefit $ 10,000
* Childcare Benefit $ 5,000
* Coma Benefit $ 3,000
* Daily Benefit $ 100, 30 Days Benefit Period
* Driver Services Benefit $ 1,000
* Family Accommodation and Transport Expenses Benefit $ 2,000
* Financial Advice Benefit $ 2,500
* Home and Vehicle Modification Benefit $ 5,000, 85% Expense Limitation
* Injury Assistance Expenses Benefit $ 500
* Partner Employment Training Benefit $ 5,000
* Retraining and Rehabilitation Expenses Benefit $ 5,000
* Student Tutorial Benefit $ 500, 85% Expense Limitation, 26 Weeks Benefit Period
* Unexpired Membership Benefit $ 500
* Minimum Age Limit (sub-limits may apply) 12
BENEFIT PERIOD, FOR INCOME EARNERS ONLY:
Benefit Period 104 Weeks
60 - 64 years 52 Weeks
65 - 70 years 26 Weeks
70 - 74 years 6 Weeks
75 - 79 years Nil
The above policy is valid until 20th March 2020. If required, a full copy of this cover can be obtained from PHILAS or the Public Relations Officer. | finance |
http://www.thefranchis3.com/blog-1/2014/6/29/e0d3zs93r5gi30fuuqfo44cr2c8m35 | 2019-08-24T17:48:12 | s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027321351.87/warc/CC-MAIN-20190824172818-20190824194818-00074.warc.gz | 0.966051 | 1,143 | CC-MAIN-2019-35 | webtext-fineweb__CC-MAIN-2019-35__0__217241585 | en | by Spencer Suk
It is pretty far-fetched to talk about LeBron James suiting up in a Clippers uniform next year. The Clippers already have around $70 million committed to their roster for the 2014-15 season. Furthermore, word around the league is that Blake Griffin is “untouchable,” meaning the Clippers will have to find a way to unload DeAndre Jordan’s contract along with some combination of JJ Redick, Jamal Crawford, Jared Dudley, and Matt Barnes in order to offer James the type of money he will command in free agency. While Jordan has blossomed into one of the more desirable centers in the league, none of those other players will be easy to trade (except for Dudley… who is downright untradeable at this point).
But what if LeBron James was willing to sign for the veteran’s minimum of $1,448,490? I know what you’re thinking: “It’s rumored that LeBron wants the max. So why in the world would he sign the veteran’s minimum?”
The simple answer: endorsements.
To get a better idea of how James makes his money, we will compare his salary to that of Los Angeles Lakers star Kobe Bryant; endorsement estimates were found on Forbes. The following graph shows James and Bryant’s NBA salaries since LeBron entered the league.
Bryant clearly amassed more money in this time frame, as he was already on a veteran’s maximum contract while James was only beginning his rookie deal; Bryant piled up $233,481,822 from 2004-14 while James earned $129,155,913. But now let’s take a look at the endorsement money.
James is a marketing machine, earning more endorsement money than Kobe every year since he entered the league. In total, James has accumulated $326,386,893 in endorsement money since 2004, while Bryant has made $255,600,000. Overall, Bryant and James have earned $489,998,082 and $455,542,806 respectively in this time span.
While James’ endorsement money has exploded (especially in the last couple of years), the world’s best basketball player could possibly make even more per year by signing a veteran’s minimum with the Clippers for three reasons:
I. TV Market Size
It is a common misconception that Miami is a big TV market. According to Nielsen Television Market Estimates, Miami isn't much bigger than Cleveland (it is about 1.12X bigger than Cleveland).
LeBron James’ market value appeared to level off in Cleveland, as his endorsement salary started to stagnate from 2008-2010, only growing from $28,000,000 to $30,000,000 after doubling his endorsement salary from 2004-2008. Interestingly enough, James’ endorsement money only increased to $33,000,000 through his first two seasons in Miami. In other words, his endorsement salary in Miami was 1.1x what it was in Cleveland after two years (we will get to his last two years in Miami in the next section). But this makes sense, considering Miami is about 1.12x as big as Cleveland.
Now consider the fact that Los Angeles is 3.4x as big as Miami in market size. While it is unrealistic to expect LeBron James’ endorsements to more than triple with the levels they are at, James would only need his endorsement salary (of $53,000,000) to increase by 1.38x to cancel out the financial losses of not signing a maximum contract.
II. Impact of Winning Championships
In the past two seasons, LeBron James’ endorsement salary has grown from $33,000,000 to $53,000,000 annually. While some of this could be attributed to his relocation from Cleveland to Miami, it seems that the majority of the growth comes from his two championships. In 2013 (the year after James’ first ship), LeBron earned $42,000,000 in endorsements; in 2014 (the year after his second ship), his endorsement salary rose by yet another $11,000,000.
James hasn’t experienced this kind of a year-over-year endorsement revenue growth since 2005-2006 (when his endorsement salary only rose $5,398,560). This recent growth suggests a very high correlation between endorsement revenue and winning it all.
III. Roster Fit
The Clippers are currently the best basketball team in Staples Center. Their core of Chris Paul, Blake Griffin, and DeAndre Jordan, can rival almost any other team in terms of talent. However, one of their biggest weaknesses is a lack of a strong wing presence at the shooting guard and small forward positions.
The Clippers’ leading win sharer on the wing was Jamal Crawford with 5.3 win shares. While this isn’t admirable, it isn’t nearly good enough to win a championship. For championship teams since 2000-01, the average win share for the best wing on the team is 11.06. In fact, only one team has won the championship with their leading wing producing less than Crawford’s 5.3 wins:
So how does LeBron James fit into this puzzle for the Clippers? He is arguably the greatest small forward to ever play the game and contributed 15.9 win shares last season, which was the second highest in the league.
While it seems ridiculous for LeBron James to sign for the veteran’s minimum, it could be worth it for the King to rule LA. | finance |
http://www.healing-companions.com/program/donations/ | 2013-05-23T18:30:28 | s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368703682988/warc/CC-MAIN-20130516112802-00059-ip-10-60-113-184.ec2.internal.warc.gz | 0.887245 | 489 | CC-MAIN-2013-20 | webtext-fineweb__CC-MAIN-2013-20__0__135623800 | en | Make a Donation
If you’d like to support the mission of Healing Companions, Inc., please send a check or money order to:
Healing Companions, Inc.
ATTN: Jane Miller, LISW, IAABC-CDBC & AABP-CDBC
7 North Main Street Suite 121
Oberlin, OHIO 44074
Healing Companions, Inc. is a tax exempt organization pursuant to 501(c)(3) of the Internal Revenue Code allowing for tax deductible donations. Approval was made by the IRS on February 6, 2013.
The Umaya Fund
Healing Companions is dedicated to Umaya. She was the catalyst and inspiration in discovering my life’s work and passion. This book is a tribute to Umaya and all the dogs that have changed our lives with unconditional love and commitment. Thanks Umaya, for leading the way.
A portion of the proceeds from Healing Companions will be donated to the “Umaya Fund,” which was established to help cover the costs of health care for assistance dogs for those without financial resources at Lakewood Animal Hospital in Lakewood, Ohio. Donations to the Umaya fund may be sent to:
Lakewood Animal Hospital
ATTN: The Umaya Fund
14587 Madison Ave.
Lakewood, Ohio 44107
- Healing Companions “Mariel Hemingway Fundraiser”
- Story by Art Thomas/Photographs by Robert Muller
- Oberlin company makes a difference with Healing Companions
- Article by Jon Behm in The Morning Journal, 31 March 2013
- Mariel Hemingway Keynote Speaker for Healing Companions, Inc. Fundraiser
- We are honored to announce that Hemingway will be the keynote speaker at a fundraiser for Healing Companions, Inc. on April 8, 2013 at 5:00 pm at the Riverview Room, Ritz Carlton,Tower City, Cleveland, Ohio.
- Jane to speak at Mental Health America 2013 Annual Conference
08 Jun 2013 10:15 AM
For the Media
For media inquiries and other publicity matters, please contact Warwick Associates.
Jane Miller, LISW, IAABC-CDBC & AABP- CDBC
Follow Jane on Twitter at @janemillerdogs. | finance |
https://www.mykardz.com/home/card?id=5698f5d5-a927-4c84-a734-287755bd024d | 2018-07-17T22:38:35 | s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676589932.22/warc/CC-MAIN-20180717222930-20180718002930-00119.warc.gz | 0.905074 | 104 | CC-MAIN-2018-30 | webtext-fineweb__CC-MAIN-2018-30__0__3175946 | en | Accenture, Microsoft Team Up on Blockchain-Based Digital ID Network
Blockchain, first developed as a public ledger of all transactions in the digital currency bitcoin, is increasingly being used to securely track data in other fields.
"Without an identity you can't access education, financial services, healthcare, you name it. You are disenfranchised and marginalized from society," David Treat, a managing director in Accenture's financial services practice, said in an interview.
"Having a digital identity is a basic human right." | finance |
https://daisybaicounselling.ca/insurance-other-coverages/ | 2023-06-03T18:58:53 | s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224649302.35/warc/CC-MAIN-20230603165228-20230603195228-00250.warc.gz | 0.931691 | 586 | CC-MAIN-2023-23 | webtext-fineweb__CC-MAIN-2023-23__0__241619805 | en | GENERGAL INSURANCE COVERAGE
Although not covered under Medical Services Plan of BC, many insurance companies offer substantial reimbursement for counselling services with BCACC Registered Clinical Counsellors (RCC). Please look into your extended health benefits through your school, workplace, or other agencies. A receipt will be provided after each payment for your insurance reimbursement. With the exceptions on ICBC claimant and Victim Service clients, you are solely responsible to seek reimbursement from your insurer unless a third party has taken responsibility for payment. Counselling fees are also income tax deductible as medical expenses. Ask CRA or your tax preparation expert for details and conditions.
WHAT TO DO IF COUNSELLING IS NOT COVERED?
If you find that RCC service is not listed under your healthcare benefit, I strongly encourage you to discuss this with your Human Resource Department or third party insurance company. This adjustment is not difficult to do and would only benefit both you and them. Please contact me for more tips on how to get yourself covered and a sample insurance policy adjustment letter.
You may be eligible for pre-approved funding for psychological counselling if you have been in a motor accident and have an open claim with ICBC. Under the Part VII ICBC Policy, ICBC is required by law (The Regulations To The Insurance Vehicle Act) to pay all reasonable expenses the insured incurred as a result of the injury for necessary medical and recovery services. In order to claim clinical counselling benefits, you must obtain a note from your family physician or rehab team recommending counselling treatment and provide this note to your ICBC adjuster. You will also need to provide me with your ICBC claim number and adjuster’s contact information. Feel free to contact me to find out more about this option.
ICBC Contact Info: [email protected]
Lower Mainland: 604-520-8222 Rest of BC, Canada, and US: 1-800-910-4222
DIRECTION-TO-PAY OPTION FOR CLIENT OF LAWYER
This option allows lawyer clients to get the necessary rehabilitation service that they need after a motor accident. I accept direction-to-pay clients for cases that have a minimum of 2 years in standing already. An annual interest of 16% for service fee is applicable. Upon consulting with your lawyer about this option, you would need to provide the following to me: 1) ICBC claim number; 2) Referral from physician; 3) Signed direction-to-pay form.
CRIME VICTIM ASSISTANCE PROGRAM
If you are a victim of crime, a family member of the victim, or a witness, you may apply to the BC Crime Victim Assistance Program for counselling service coverage.
Toll free in B.C. 24/7 confidential and multilingual line VictimLink BC: 1-800-563-0808 | finance |
https://www.bankconferences.com/bankingchoiceawards/ | 2019-02-22T10:47:19 | s3://commoncrawl/crawl-data/CC-MAIN-2019-09/segments/1550247515149.92/warc/CC-MAIN-20190222094419-20190222120419-00154.warc.gz | 0.945874 | 186 | CC-MAIN-2019-09 | webtext-fineweb__CC-MAIN-2019-09__0__203398071 | en | The Banking Choice Awards celebrate the financial institutions that regularly go above and beyond to serve their customers. There are countless ways to gauge outstanding performance, but who better to ask than the customers themselves?
The Banking Choice Awards recognize banks and credit unions that receive high marks from their customers and members in four categories: Customer Service, Technology, Contribution to the Community, and Overall Quality. More than 30,000 individuals were surveyed, yielding more than 2.5 million data points. For more information on how results were determined, visit the About section.
Banking Choice Awards – in three separate events – will honor the top three institutions in each category from multiple regions of Massachusetts and Connecticut. Click the links below for a complete list of finalists and more details on each event, including information on purchasing tickets and sponsorship opportunities.
Your customers can choose to bank wherever they want. Find out who does it best at The Banking Choice Awards. | finance |
https://www.flafamilylawyers.com/types-of-alimony-in-florida/ | 2021-06-13T14:15:24 | s3://commoncrawl/crawl-data/CC-MAIN-2021-25/segments/1623487608856.6/warc/CC-MAIN-20210613131257-20210613161257-00315.warc.gz | 0.951112 | 1,287 | CC-MAIN-2021-25 | webtext-fineweb__CC-MAIN-2021-25__0__110279181 | en | Types of Alimony
When married couples divorce, alimony (or support payments to the spouse) are mandated by family and divorce courts. At the Law Office of Silverman, Mack & Associates, our experienced divorce lawyers can help you understand everything there is to know about alimony in Florida, the varying types and eligibility requirements.
Alimony Attorneys: Types of Florida Alimony
Alimony is a form of regular payments to a former spouse that is mandated by divorce courts to help spouses transition into society as a newly single person. Courts usually require the spouse with the higher income/assets to make alimony payments to the spouse who makes the lesser amount to assist with the transitioning after-effects of divorce. However, many factors are taken into account when determining alimony. For example, divorce courts may consider:
- The income and expenditures of both members before and during the marriage
- All sources of income
- The ability of the spouse to pay
- Contributions of both spouses to the marriage, including children and general support of businesses and educational expenses
- The duration of the marriage
- The vocational skills and talents of each spouse
- The ability of each spouse to return to the workforce and be successful
In essence, divorce courts mandate alimony to assist with supporting a spouse after a divorce. If, for example, a spouse is unable to maintain the quality of life that he/she had before the divorce, then alimony may be required. To understand more about alimony and/or spousal support, you should contact an experienced divorce attorney.
There are many different types of alimony/spousal support in the state of Florida. The type of alimony that is mandated by the court is usually dependent on the circumstances of the marriage, the terms of the divorce and the factors listed above.
Modifiable vs. Non-Modifiable Alimony
Family and divorce courts have the authority to assign alimony that is either modifiable or nonmodifiable. When alimony is modifiable, it can be adjusted and updated throughout the years, depending on the receiving spouse’s needs and the paying spouse’s change of income. Courts must approve changes in alimony payments. Meanwhile, mandated alimony that is nonmodifiable refer to payments that cannot be adapted. In other words, the amount of funds disbursed and the time span for such disbursement is considered binding and permanent. Nothing can be done to alter the contract. Thus, it is best to have a divorce lawyer in Gainesville, FL, to help you understand your rights as a paying and/or receiving spouse, as well as the terms and agreements that are required of both spouses upon entering alimony arrangements.
Bridge-the-Gap alimony is a type of spousal payment that is made temporarily to help a spouse get back on his/her feet. Lasting usually no more than two years, Bridge-the-Gap alimony helps spouses to do just that: bridge the gap. For example, spouses who are selling their house may receive money to cover the cost of renting fees. Or, if spouses are receiving training and/or rehabilitation services to return to the workforce, alimony can be mandated to assist with the spouse’s basic needs and expenses. Once the spouse demonstrates ability to provide for himself/herself, the payments typically cease.
- This type of alimony cannot be modified.
Durational alimony is directly correlated to the duration of the marriage before spouses enter a divorce. Usually, durational alimony is mandated to spouses who may not qualify for other forms of alimony. Durational alimony is assigned for the exact amount of years of the marriage. Therefore, if a marriage continued for five years, a spouse may be ineligible to receive alimony payments for more than 5 years.
Permanent alimony refers to alimony that is made to a spouse for the full duration of his/her life. Permanent alimony is typically mandated to spouses who have young children, are unable to enter the workforce and/or experienced cruel and unusual circumstances during the scope of the marriage.
Rehabilitative alimony is strictly for spouses who are receiving training and/or other educational purposes. In order to be eligible for rehabilitative alimony, spouses must submit detailed accounts of how the money will be spent and the time needed for the training.
Temporary alimony is a form of alimony that requires the least amount of time. Known as “pendente lite,” temporary alimony provides financial support to the spouse while the divorce is pending. Once the terms and conditions of the divorce is finalized, such payments cease.
Modification of Alimony
As is in the case with all legal contracts, the stipulations of modifying alimony should be outlined in the agreement. The document should indicate how alimony will be adjusted, including the time and the amount of funds disbursed. Typically, modification of alimony requires a substantial change in financial circumstances of either spouse. A change in alimony may also be granted of a spouse who is on rehabilitative alimony fails to adhere to the policies.
Termination of Alimony
Significant changes in income (and/or expenses), death, failure to comply with divorce and/or rehabilitative terms, and/or new marriages may have an effect on alimony. Such factors can influence a court to terminate the alimony.
For more information on the types of alimony in the state of Florida, you should contact an experienced family law attorney.
Divorce Lawyers in Gainesville, FL
Divorce lawyers are extremely beneficial during divorces. Not only can they help spouses understand large percentages and complex legalise, but they can provide general support and guidance on the divorce process. Many times, alimony is not granted to spouses because there may not be sufficient evidence that suggests that such form of spousal support is needed. Other times, spouses may be unfairly mandated to pay a significant amount of money to their former spouse. Whether you are the paying or the receiving spouse, experienced divorce lawyers at the Law Office of Silverman, Mack & Associates
can help you understand alimony. Our family law firm strives to do what’s best for every Florida family.
Contact us today for a free initial consultation. | finance |
http://www.gilbertfleming.com/nursinghomecare.html | 2017-07-24T02:28:11 | s3://commoncrawl/crawl-data/CC-MAIN-2017-30/segments/1500549424683.39/warc/CC-MAIN-20170724022304-20170724042304-00254.warc.gz | 0.976084 | 1,576 | CC-MAIN-2017-30 | webtext-fineweb__CC-MAIN-2017-30__0__66903974 | en | SB 483 has been signed into law, and will help protect our elders. Why is the Dept of Health taking so long to implement this new law?
Senate Bill 483 is California’s attempt to end abuses regarding qualifying for Medi-Cal Nursing Home benefits. There was concern that there were “millionaires on Medi-Cal”: Millionaires were taking advantage of liberal Medi-Cal qualification rules, disposing of all their assets, becoming “indigent” overnight, and then qualifying for Medi-Cal Nursing Home benefits. Therefore, the taxpayers were paying for the nursing home care of these millionaires.
In one of these aggressive techniques for becoming “indigent” overnight, an elder takes all of their assets over $2,000 and buys a “balloon annuity”. Then, they can apply for Medi-Cal Nursing Home benefits the next day. California is striving to close this loop hole under SB483. This bill was signed into law by Governor Schwarzenegger on September 27, 2008. But it is not yet implemented. The Department of Health has issued draft regulations, but has not issued final regulations to implement the new law (and ban these balloon annuities).
How does a balloon annuity work? Here is an example: An adult daughter said that a life insurance had “saved” $120,000. Her mom, Mrs. Smith, was living in a nursing home. The Medi-Cal office said she could not qualify for benefits until she “spent down” her $120,000 to less than $2,000. Only then would the State of California pay for her nursing home bill, which was $6,500 per month. The Life Insurance Agent “saved” the $120,000 by putting it in a balloon annuity. Mrs. Smith qualified for Medi-Cal Nursing Home benefits the very next day.
A “balloon annuity” is much different than the type of annuity we are all used to: An injured child receives an annuity which pays $XXXX thousand dollars per month to cover his medical care and living expenses. The balloon annuity, however, pays a very tiny sum per month, with one huge payment coming on the last month of the annuity period. Mrs. Smith’s annuity paid on $48 per month for 95 months. This is because 96 months is Mrs. Smith’s actuarial life expectancy based upon the life expectancy tables compiled by the Social Security Administration. For an annuity to qualify under Medi-Cal rules, it must pay out over the actuarial life expectancy of the elder (not the actual life expectancy). The $48 per month had to be paid to the nursing home as partial reimbursement for Mrs. Smith’s care. But on month 96, the $120,000 will be paid back in one lump “balloon”. But paid back to whom? In my opinion this technique is a “crap shoot” that the elder (who is ill and living in a nursing home) will pass away before the 96 months has elapsed. So the heirs put this $120,000 in their pocket.
This is one loophole that SB 483 is trying to close. So that if an elder buys an annuity, it must pay out in substantially equal payments over the actuarial life expectancy of the elder: $1250 per month (plus interest) instead of $48 per month.
In my opinion, these balloon annuities are not good for our elders. Since they are irrevocable, unassignable and nontransferable, the money is essentially unavailable for the elder’s use until the time comes for the balloon payment to be made. Mrs. Smith’s adult daughter told me that she really wanted to go see her mother, who was living in a nursing home in Kingsburg. But she did not have a car. She asked if she could borrow some money from the $120,000 annuity to buy a “sturdy used car” so she could go visit her mother (who lives an hour away). The answer is that this money was not available for anyone’s until the 96 months has elapsed. And the real tragedy was that Mrs. Smith was entitled, under Medi-Cal rules, to own one car. The life insurance agent could have advised Mrs. Smith to buy a sturdy used car for her daughter’s use. But a $10,000 used car would cost the life insurance agent $800.
Yes, you heard that correctly. There is an 8% commission on these balloon annuities. The life insurance agent made a commission of $9,600 on Mrs. Smith’s balloon annuity. But, in my opinion, these annuities are downright unsuitable when one is sold to a family who has no intention at all of applying for Medi-Cal nursing home benefits.
An adult daughter, Ms. Jones, contacted me and said she was being pressured to take $100,000 in cashier’s checks out of her “papa’s” CD’s and to buy a balloon annuity. The life insurance agent told her that this was the only way her father could be awarded Veterans Administration benefits for her 86 year old papa.
This man had served in World War II. He had dementia and was living with his daughter. She was retired and she was now his full time caregiver. She heard that she could receive $1644 per month, from the VA, to help care for her father in her own home. This was true enough. But she had point blank told the life insurance agent that she would never put her papa in a nursing home. But the life insurance agent was pressuring her to put $100,000 in a balloon annuity which would have tied up all of papa’s money for over five years. I was able to help the family receive an award of $1644 per month from the VA to help pay for his care at home. This $1644, plus his Social Security, helps a great deal
Still, Ms. Jones would like to take a break now and then. She likes to take a weekend and visit her son and grandkids in the Bay Area.
There are assisted living facilities which provide temporary care for loved one’s when the caregiver needs a break. This is called respite care. Ms. Jones feels her father is well taken care of when she checks him into respite care. But this would not be possible had she locked up all of papa’s money in a balloon annuity.
I helped the family set up a Veterans Administration Qualification Trust. So papa’s money is available for his use. It is an acceptable use of his money to pay for three days of respite care so his fulltime, 24/7, caregiver can get a short break…
In summary, I believe that these balloon annuities are not good for our elders. Evidently, Governor Schwarzenegger and the Legislature agree. Please write Governor Brown, your Assemblyman and your State Senator. Encourage them to encourage the Department of Health to put final regulations into effect and to implement SB483 into law.
Additional info: If you would like more information about your specific needs, please fill out the form and mail back to Gilbert Fleming. Questionnaire Rev. 8-10-12
We want to hear from you!
755 N. Peach Ave., Office H-4
Clovis, CA 93611 | finance |
https://viottalaw.com/en/expertise/restructuring-insolvency/composition-agreement/ | 2024-04-17T02:55:15 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817128.7/warc/CC-MAIN-20240417013540-20240417043540-00040.warc.gz | 0.961588 | 609 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__23626474 | en | What does a composition agreement entail?
For companies in financial distress, the use of a composition agreement can offer a solution. The aim is to offer creditor(s) an agreement to pay a percentage of the claim in exchange for final discharge.
Although in principle this appears to be disadvantageous for the creditor(s), avoiding bankruptcy means that a higher percentage of the claim can ultimately be repaid.
It is then up to the debtor to persuade the creditor to agree to the agreement by making him an attractive offer. Given that the contents of the composition agreement are not predetermined, shares can also be offered to settle the claim.
Cost savings by foregoing a collection procedure or making a payment arrangement are reasons why the creditor would accept the agreement. Doing so can prevent a possible bankruptcy.
The in-court bankruptcy agreement
If this agreement is reached without the intervention of the court, it is called an extrajudicial agreement. If, however, the agreement is offered when there is a:
suspension of payments;
a statutory debt restructuring scheme or;
then it is called a judicial agreement.
If half of the creditors, who together represent half of the outstanding debts, agree to the composition at the creditors’ meeting, the composition becomes binding for all creditors after ratification by the court.
This ratification by the judge is called homologation. For more information, read ‘the bankruptcy agreement‘.
Extrajudicial composition agreement
The creditors are not obliged to accept the offer in the case of the extrajudicial agreement of creditors. They retain the right to demand the claim in full.
This may result in creditors who do not accept the offer gaining an advantage over creditors who do accept the offer.
It is therefore necessary to present the offer in a manner that is most beneficial to each of the parties. It is also very important for the creditor to have enough information to assess the agreement thoroughly.
Relevant questions for this are:
What are the debts?
What are the debtor’s financial prospects?
Can the debtor itself fulfil the obligations laid down in the agreement?
Or is a third party financing the debts?
In short, a composition agreement that contains the right information can save the company from bankruptcy.
The tax authorities are also often willing to cooperate with the composition agreement. Given that they are preferential creditors, they do say that they want to see double the percentage of the claim reimbursed, compared to the unsecured creditors. This is also included in the guidelines that are part of the collection guideline.
Need an insolvency lawyer? Bring in VIOTTA
Since the content of the agreement is free of form, it is wise to hire a lawyer before concluding the agreement. If you or your company has to deal with bankruptcy or an agreement, we are happy to help. Our lawyers have gained a lot of experience by working on the largest bankruptcies in the Netherlands.
Do you want to get in contact with VIOTTA? | finance |
https://c21united.com/vocabulary | 2024-04-23T11:26:02 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818474.95/warc/CC-MAIN-20240423095619-20240423125619-00613.warc.gz | 0.941137 | 763 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__141274846 | en | 4B/2B -- four bedrooms and two bathrooms. "Bedroom" usually means a sleeping area with a window and a closet, but the definition varies in different places. A "full bathroom" is a room with a toilet, a sink and a bathtub. A "three-quarter bathroom" has a toilet, a sink and a shower. A "half bathroom" or powder room has only a toilet and a sink
assum. fin. -- assumable financing
closing costs -- the entire package of miscellaneous expenses paid by the buyer and the seller when the real estate deal closes. These costs include the brokerage commission, mortgage-related fees, escrow or attorney's settlement charges, transfer taxes, recording fees, title insurance and so on. Closing costs are generally paid through escrow.
CMA -- comparative market analysis or competitive market analysis. A CMA is a report that shows prices of homes that are comparable to a subject home and that were recently sold, are currently on the market or were on the market, but not sold within the listing period.
contingency -- a provision of an agreement that keeps the agreement from being fully legally binding until a certain condition is met. One example is a buyer's contractual right to obtain a professional home inspection before purchasing the home.
expansion pot'l -- expansion potential mean that there's extra space on the lot or the possibility of adding a room or even an upper level, subject to local zoning restrictions.
fixture -- anything of value that is permanently attached to or a part of real property. (Real estate is legally called "real property," while movables are called "personal property.") Examples of fixtures include installed wall-to-wall carpeting, light fixtures, window coverings, landscaping and so on. Fixtures are a frequent subject of buyer and seller disputes. When in doubt, get it in writing.
frplc, fplc, FP -- fireplace
hi ceils -- high ceilings
in-law potential -- potential for a separate apartment, subject to local zoning restrictions
large E-2 plan -- this is one of several floorplans available in a specific building
listing -- an agreement between a real estate broker and a home owner that allows the broker to market and arrange for the sale of the owner's home. The word "listing" is also used to refer to the for-sale home itself. A home being sold by the owner without a real estate agent isn't a "listing."
lo dues -- low homeowner's association dues. But find out how "low" the dues are compared to other dues in the area.
lock box -- locked key-holding device affixed to a for-sale home so real estate professionals can gain entry into the home after obtaining permission from the listing agent
lsd pkg. -- leased parking area. May come with additional cost.
MLS -- Multiple Listing Service. An MLS is an organization that collects, compiles and distributes information about homes listed for sale by its members, who are real estate brokers. Membership isn't open to the general public, although selected MLS data may be sold to real estate listings Web sites. MLSs are local or regional. There is no MLS covering the whole country.
pwdr rm -- half bathroom or powder room
REALTOR® -- a real estate broker or sales associate who is a member of the National Association of REALTORS®. Not all real estate agents are REALTORS®.
title insurance -- an insurance policy that protects a lender's or owner's interest in real property from assorted types of unexpected or fraudulent claims of ownership. It's customary for the buyer to pay for the lender's title insurance policy. | finance |
https://www.financemonk.com/blog/what-is-estate-planning-and-how-is-it-done/ | 2023-09-25T20:50:10 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510085.26/warc/CC-MAIN-20230925183615-20230925213615-00195.warc.gz | 0.952464 | 627 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__139526979 | en | Estate planning is the process of creating a plan for managing and distributing your assets during your lifetime and after your death. Estate planning involves considering various factors such as tax implications, personal values, family dynamics and financial goals, in order to create a comprehensive plan that aligns with your unique needs and goals.
Estate planning can be done in the following steps:
- Asset Inventory: This involves creating a comprehensive list of all of your assets, including real estate, personal property, financial accounts, life insurance policies and any other assets that you own.
- Estate Evaluation: This involves determining the value of your assets and calculating the amount of taxes and other costs that may be incurred during estate administration.
- Goals and Objectives: This involves determining your personal and financial goals and objectives, and deciding what you would like to happen to your assets after your death.
- Choosing Estate Planning Tools: This involves selecting the estate planning tools that are best suited to your needs and goals. Estate planning tools include wills, trusts, powers of attorney and health care directives.
- Creating a Will: A will is a legal document that outlines your wishes regarding the distribution of your assets after your death. It also specifies who you would like to act as your executor and make decisions regarding your estate.
- Trusts: Trusts can be used to manage and distribute assets, reduce taxes and protect assets from creditors. There are several different types of trusts, including revocable trusts, irrevocable trusts, living trusts and charitable trusts.
- Powers of Attorney: Powers of attorney are legal documents that grant someone the authority to make decisions and act on your behalf in case you become incapacitated. There are two types of powers of attorney: durable powers of attorney and springing powers of attorney.
- Health Care Directives: Health care directives, such as living wills and health care powers of attorney, allow you to specify your wishes regarding medical treatment if you become incapacitated.
- Estate Tax Planning: Estate tax planning involves considering the impact of taxes on your estate and making any necessary changes to your estate plan in order to minimize tax liability.
- Estate Administration: Estate administration is the process of distributing your assets and settling your estate after your death. This involves paying any debts and taxes, distributing assets according to your wishes, and ensuring that your estate is properly administered.
It is important to review your estate plan periodically and make any necessary updates as your personal and financial circumstances change. Estate planning can be a complex and emotional process, but with the help of an attorney and financial advisor, you can ensure that your wishes are honored and your assets are protected.
In conclusion, estate planning is an important aspect of personal finance and should be a priority for anyone who wants to ensure that their assets are managed and distributed according to their wishes. Estate planning can help you minimize taxes, protect your assets, ensure that your loved ones are taken care of, and give you peace of mind. By creating a comprehensive estate plan, you can ensure that your legacy is preserved and your assets are distributed according to your wishes. | finance |
http://www.youtubeaz.com/2015/07/a-step-by-step-guide-on-how-to-make_16.html | 2017-04-27T22:27:54 | s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917122629.72/warc/CC-MAIN-20170423031202-00299-ip-10-145-167-34.ec2.internal.warc.gz | 0.902214 | 1,211 | CC-MAIN-2017-17 | webtext-fineweb__CC-MAIN-2017-17__0__194181534 | en | After creating a Youtube channel, consistently uploading high quality videos, and even engaging your audience, it is possible to begin to make money on Youtube. You can earn money with Google Adsense on Youtube. This is what this article is going to tackle – where to start, and the steps that will help you do so successfully.
Before we delve into how to make money with Youtube videos, it is important to understand what Google AdSense is and how it works.
An overview of AdSenseAdSense is Google’s primary advertising engine. It is used on Google’s sites and even partner sites, for instance, Youtube. Through the service, Google matches relevant advertisements with Youtube channels. This reduces the work of establishing relationships with various companies who would be interested in advertising their products on your channel, as this is automated via AdSense.
How AdSense worksIn a nutshell, you get paid when viewers click on an advertisement on your Youtube channel or even on one of your videos. Advertisers usually bid on the advertisement space on videos provided by Youtube channels that are monetized. The highest bidder gets their advertisement shown in a banner, or in a pre-roll video on your videos or in the side bar on Youtube channels. When a viewer clicks on a video advertisement, the company that owns the advertisement is charged, and you receive a percentage of the money that they have paid to Google for the ad space.
How to earn money with Google Adsense on YoutubeA single view will only earn you a few cents. However, if many people view the pre-roll advertisements or click on the banner advertisements, this can add up to a substantial amount. This means that you must work to build a large audience. This way, more people will become interested in the products or services being advertised.
1. How to set up for monetizationTo make money on Youtube with Adsense, you need to set up your channel and videos for monetization. You need to be a Youtube partner to do this. You must also check to ensure that your channel is eligible. If you live in Russia, Ukraine, or Turkey you must apply to become a Youtube partner.
a. Enabling your channel for monetization
- Go to your account settings
- Open the monetization tab
- Click 'enable my account'
- If your account is not eligible, this option will be unavailable
- Follow the steps and accept the monetization agreement.
b. Monetizing the videosEnsure that the video meets the video monetization criteria. There are two options. You can enable monetization during upload or after.
* During upload
- Click the monetization tab on the upload page
- Check 'monetize my video'
- Select the ad formats you want to enable for the video
- Click 'save changes'
* After upload
- From the channel video manager
- Locate the video
- Click 'edit' or '$'
- On the monetization tab, check 'monetize my video'
- Select the ad formats you will enable for the video
- Save changes
2. How to link your Youtube channel with an AdSense account.In order to make money With Youtube Videos via Adsense, the last step entails linking the channel with an Adsense account. The former requires you to input payment information and tax information as well, for example, a social security number or an employee ID number (EIN). You can create an Adsense account or link your channel to an already existing one. However, this account must be approved.
If your AdSense account is already approved:
- Go to the 'monetization' page on your channel settings
- Go to 'How will I be paid?'
- From the AdSense association page, follow the next step
- Select 'yes'
- Go to Google account 'sign in'
- Choose the Google account you want to choose
- Enter its password
- Accept the association
- Wait for your account to be activated
Tips to make money on Youtube via AdSenseAfter ensuring that your channel and videos are monetized, and that you have linked your channel with an AdSense account, here are tips to ensure that you actually earn money with Google Adsense on Youtube:
- Growing your audienceAs aforementioned, you need to grow your audience, if you are to make money with Youtube Videos via AdSense. Before you even think of monetizing your channel and videos, ensure that you have an audience of at least 5,000 subscribers, 1,000,000 upload views and 50,000 channel views. You can be accepted with less, but these statistics will increase your chances of being accepted. Moreover, these numbers will also increase the chances of the ads being clicked on, increasing your revenue.
- Posting regularlyIf people like the videos, they will seek fresh content. If they share the videos, more viewers will visit your channel, increasing the chances of them clicking on the ads, thus increasing your chances to earn money with Google Adsense on Youtube.
- Being professionalOne way of being professional is via creating a brand name for your videos. Viewers will remember how to find your work. Creating a website also adds to the professionalism.
ConclusionYou now have the entire procedure of how to make money With Youtube Videos via AdSense. It is not easy, but it is worth it. When working with Youtube, always ensure that the content you use is not copyrighted by others. This includes background music. To make money on youtube, always use your own ideas. Something else that you must never do if you want to earn money with Google Adsense on Youtube is clicking on your ads to increase your revenue. This could result in being banned from using AdSense, losing your platform to make money With Youtube Videos.
Ok. If you have any questions, please comment in the area below. Thank you so much! | finance |
http://alternativecapital.co.ke/about.html | 2021-03-05T15:58:47 | s3://commoncrawl/crawl-data/CC-MAIN-2021-10/segments/1614178373095.44/warc/CC-MAIN-20210305152710-20210305182710-00545.warc.gz | 0.96011 | 296 | CC-MAIN-2021-10 | webtext-fineweb__CC-MAIN-2021-10__0__27213838 | en | Proudly Kenyan owned , Alternative Capital Ltd is a registered lending company which is making it easier for businesses to start up , expand and create jobs. The company was formed for the purpose of providing fast and convenient loans to overcome any short-term financial hurdles, while also offering financial advice to help our clients reach a better financial position We pride ourselves on offering SME’s and individuals alike the fastest cash loans possible – and when we say fast, we mean fast! The entire loan approval process can be completed as quickly as 60 minutes, with the money showing up in your account within 10 minutes of your loan being approved.
At Alternative Capital, we set out to provide our clients with the absolute best cash loan service possible, with a customer-focused team that endeavors to make the entire process as easy and stress-free as possible. So whether you have an urgent bill that needs to be tended to, goods that need to be cleared at the port, something vital that you need to purchase or pay for, or even if you’re simply stuck for cash, Alternative Capital is the company you need to talk to! As Kenya’s first choice in lending solutions, Alternative Capital ensures that we offer you financial assistance that works for you – part of which is making sure that all of our costs and fees are completely transparent, so that you are fully aware of exactly what you will need to pay. We don’t believe in hidden costs and tricky fines | finance |
https://www.autisticlove.org/pages/donate | 2024-02-25T08:50:23 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474594.56/warc/CC-MAIN-20240225071740-20240225101740-00422.warc.gz | 0.938917 | 423 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__91477763 | en | We are committed to supporting families and individuals on their journey with AUTISM SPECTRUM DISORDER. 100% of your donation will go directly to therapy programs.
Donate – Named after our inspiration, the Ka’eo Griffin, Jr LOVE covers costs incurred by parents whom attend the Son-Rise Program training at the Autism Treatment Center of America in Sheffield, MA. This donation goes directly to the 501c3 organization and is tax deductible. Please visit the Autism Treatment Center of America and let them know that Jr, Glenn, & Ka'eo sent you!
*additionally 10% from your purchase will go towards our LOVE Scholarship.
The Autism Treatment Center of America (ATCA)
We are committed to helping real families on their journey with autism. 100% of your donations will go directly to offsetting admission costs for parents attending the ATCA.
The majority of autism treatments are not covered by health insurance. We recognize the financial struggle most families of people with autism face. Not everyone can afford to help their children reach their full potential.
That is why Autistic Love Society has pledged 10% of all profits to go directly to scholarships and support. That means every purchase makes a difference! That said, you donations will make the most dramatic impact in lives of these families.
Or you can also help by the following message below:
Did you know you can give hope and empowerment to others every time you shop on Amazon.com? You can donate to the Option Institute & Autism Treatment Center of America without spending a single extra penny!
Simply go to Amazon Smile
Sign into your Amazon account
On the next page enter “Option Institute” — find them as your charitable institution – click “Select” and you’re done!
Whenever you shop on Amazon, sign into smile.amazon.com and a small portion (.05%) of the money you spend on Amazon.com will be donated to them!
This is a great benefit to them that costs you nothing.
Thank you for your love and support!!! | finance |
http://lakewinnipegfoundation.org/tags/provincial | 2017-04-28T21:40:37 | s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917123097.48/warc/CC-MAIN-20170423031203-00515-ip-10-145-167-34.ec2.internal.warc.gz | 0.928462 | 178 | CC-MAIN-2017-17 | webtext-fineweb__CC-MAIN-2017-17__0__23482418 | en | On April 11, Manitoba’s government released the 2017 budget, its spending plan for the coming year.
Lake Winnipeg was not specifically mentioned in either Finance Minister Cameron Friesen’s speech or the budget summary.
Water-related spending appears on page 18 of the budget summary, nested under strategic infrastructure. This spending includes a $60 million investment in water-related infrastructure such as flood protection, drainage and other water-control initiatives, and represents a 33 per cent increase from the 2016/17 budget.
Funding for Sustainable Development – the provincial...
LWF publishes a newsletter, The Watershed Observer, twice a year. Our most recent edition includes information on our emerging community-based monitoring network, details about groundbreaking microplastics research made possible through our grants program, and helpful tips on how you can speak up for water by reaching out to decision makers. | finance |
https://www.orinocogold.com/index.php/company-profile/corporate-governance | 2021-05-07T15:42:07 | s3://commoncrawl/crawl-data/CC-MAIN-2021-21/segments/1620243988796.88/warc/CC-MAIN-20210507150814-20210507180814-00259.warc.gz | 0.933813 | 968 | CC-MAIN-2021-21 | webtext-fineweb__CC-MAIN-2021-21__0__91524680 | en | The primary responsibility of the Board is to represent and advance Shareholders' interests and to protect the interests of all stakeholders. To fulfil this role the Board is responsible for the overall corporate governance of the Company including its strategic direction, establishing goals for management and monitoring the achievement of these goals.
The responsibilities of the Board include:
- Protection and enhancement of Shareholder value;
- Formulation, review and approval of the objectives and strategic direction of the Company;
- Approving all significant business transactions including acquisitions, divestments and capital expenditure;
- Monitoring the financial performance of the Company by reviewing and approving budgets and monitoring results;
- Ensuring that adequate internal control systems and procedures exist and that compliance with these systems and procedures is maintained;
- The identification of significant business risks and ensuring that such risks are adequately managed;
- The review and performance and remuneration of executive directors and key staff;
- The establishment and maintenance of appropriate ethical standards; and
- Evaluating and, where appropriate, adopting with or without modification, the ASX Corporate Governance Council's Corporate Governance Principles and Recommendations.
The Board recognises the need for the Company to operate with the highest standards of behaviour and accountability. Subject to the exceptions outlined below the Company has adopted the ASX Corporate Governance Council's Corporate Governance Principles and Recommendations to determine an appropriate system of control and accountability to best fit its business and operations commensurate with these guidelines.
The following statements, policies and procedures set the framework for the Company’s corporate governance practices:
- Corporate Governance Statement
- Board Charter;
- Policy and Procedures for selection and appointment of new directors;
- Code of conduct for Company executives;
- Securities Trading Policy;
- Audit Committee Charter;
- Summary of procedure for selection of external auditor and rotation of external auditor;
- Continuous Disclosure Policy;
- Shareholder Communications Strategy;
- Risk Management Program;
- Remuneration Committee Charter; and
- Process for performance evaluation of the Board, board committees, individual directors and key executives.
As the Company’s activities develop in size, nature and scope the implementation of additional corporate governance structures will be given further consideration.
In addition to the above, Orinoco is:
- Committed to operating in a safe and responsible manner, respecting the health of our employees, the environment, and the communities in which we operate.
- Committed to the highest standards of personal, professional and ethical behaviour.
The Board sets out below its "if not, why not" report in relation to those matters of corporate governance where the Company's practices depart from the recommendations.
Recommendation reference -
|ASX Guidelines||ASX Principle||Explanation for Departure|
The Board should establish a policy concerning diversity
| The Company does not have an express policy specifically addressing the achievement of gender diversity, however will consider adopting a policy in the future. The Company’s Corporate Governance Plan includes a corporate code of conduct, which provides a framework for undertaking ethical conduct in employment. Under the corporate code of conduct, the Company will not tolerate any form of discrimination or harassment in the workplace.
|2.1||The Board should establish a nomination committee||The Board has no formal nomination committee. Acting in its ordinary capacity from time to time as required, the Board carries out the process of determining the need for, screening of and appointing of new Directors. In view of the size and resources available to the Company, it is not considered that a separate nomination committee would add any substance to this process.|
|2.4||A majority of the Board of a listed entity should be independent directors||Given the Company’s present size and scope, it is currently not company policy to have a majority of independent Directors. Directors have been selected to bring specific skills and industry experience to the Company. The Company currently has three (3) Directors who are deemed to be independent and three (3) who are deemed to be non-independent due to their executive agreements with the Company and relationships with a material supplier, customer or shareholder of the Company. Independence is determined in accordance with the Company Independence policy.
The chair of the Board of a listed entity should be an independent director and, in particular, should not be the same person as the CEO of the entity.
The current chair of the Board is not an independent Director, however given the changes to the Board and management of the Company during the 2017 reporting period, the Board considers him to be the most appropriate person to chair the Company given his commitment to and knowledge of the Company’s business. The chair of the Board is not the same person as the CEO of the Company | finance |
https://zlibrary.website/how-to-write-a-business-plan-pdf/ | 2023-11-28T13:14:56 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679099514.72/warc/CC-MAIN-20231128115347-20231128145347-00158.warc.gz | 0.935232 | 580 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__74383856 | en | How to Write a Business Plan PDF
290 Pages·2010·3.02 MB·5619 Downloads·English
“How to Write a Business Plan” by Mike McKeever is a comprehensive guide to creating a successful business plan for entrepreneurs and small business owners. The book provides a step-by-step approach to creating a well-crafted business plan that can be used to attract investors, secure financing, and guide the growth of a new business.
The book begins with an introduction to the purpose and benefits of a business plan. The author stresses the importance of having a clear and concise plan that outlines the goals, strategies, and financial projections of the business. He also explains how a well-crafted plan can help entrepreneurs avoid common pitfalls and increase the chances of success.
The author then provides a detailed overview of each section of a business plan, including the executive summary, company overview, market analysis, marketing and sales strategies, operations plan, financial projections, and appendices. Each section is explained in detail, with practical tips and examples provided to help readers craft a compelling plan.
One of the strengths of the book is its emphasis on the importance of research and analysis in creating a successful business plan. The author provides a detailed guide to market research, including how to analyze industry trends, target customer demographics, and evaluate competitors. He also offers practical advice on how to develop effective marketing and sales strategies, including how to identify target markets, create a brand identity, and develop pricing and distribution strategies.
The book also provides a comprehensive guide to financial projections, including how to create realistic sales and expense forecasts, develop profit and loss statements, and create cash flow projections. The author emphasizes the importance of creating a detailed and accurate financial plan, as this is often a key factor in securing financing and attracting investors.
Finally, the book provides practical tips on how to present a business plan to investors or lenders. The author offers advice on how to create effective pitch decks, prepare for investor meetings, and negotiate financing terms.
“How to Write a Business Plan” has received high praise from entrepreneurs and business experts. The book has been hailed for its practical approach, clear writing style, and comprehensive coverage of all aspects of business planning. Many readers have reported using the book to successfully launch and grow their own businesses.
In summary, “How to Write a Business Plan” is an essential resource for entrepreneurs and small business owners who want to create a successful business plan. The book provides a step-by-step approach to creating a well-crafted plan that can be used to attract investors, secure financing, and guide the growth of a new business. Whether you’re just starting out or looking to take your business to the next level, this book is a must-read for anyone who wants to succeed in the competitive world of business. | finance |
http://lightparty.com/Economic/Nations.html | 2019-02-20T08:30:58 | s3://commoncrawl/crawl-data/CC-MAIN-2019-09/segments/1550247494485.54/warc/CC-MAIN-20190220065052-20190220091052-00044.warc.gz | 0.935513 | 366 | CC-MAIN-2019-09 | webtext-fineweb__CC-MAIN-2019-09__0__108523910 | en | THE NATURAL WEALTH OF NATIONS
First, we can stop throwing away an estimated $650 billion a year in government subsidies worldwide that fund actions that harm the environment and cost consumers and taxpayers - even as they slow economic development and reduce employment.
Second, we can shift taxes, easing up on activities we say we want more of, like work and investment, and getting the tax revenues we need by raising taxes on activities we want to discourage, like burning fossil fuels or producing toxic wastes.
Special interests have all too often had the power to block such economically and environmentally sensible changes in fiscal policy. But by being smarter about explaining the benefits of these changes, we can build a broad-based coalition of labor unions, consumers, service industries, and manufacturers of environmentally protective goods and services that can take on entrenched special interests.
Combining cuts in subsidies and tax shifting would free up $1.5 trillion worldwide, funds that could be used to cut taxes on wages and profits by up to 15 percent - without changing overall tax revenues.
In the U.S. a family of four would get a net income tax cut of $2,000.
Polls already show overwhelming support for tax shifting. Six European nations have already cut taxes on work and investment and shifted the tax burden to air pollution, fossil fuels, or landfilling.
To order, call (800) 555-2028. Visit our website at www.worldwatch.org.
(Reprint, Worldwatch Institute, 1776 Massachusetts Ave., NW, Washington, DC 20036)
Copyright © 1996. The Light Party.
Your Feedback is important to us. Please send us E-Mail.
Our E-mail address is [email protected]
Back to Eco-nomics Directory | finance |
https://murdishawhealthcentre.co.uk/info.aspx?p=16 | 2022-07-01T01:19:36 | s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103917192.48/warc/CC-MAIN-20220701004112-20220701034112-00763.warc.gz | 0.937763 | 456 | CC-MAIN-2022-27 | webtext-fineweb__CC-MAIN-2022-27__0__210008819 | en | Patient Charges Non NHS Services
It has come to our attention that many of our patients are not aware of the additional charges that can be made in regards to some services provided by the practice.
Some administrative services that we offer are not provided by the NHS and we then charge for these services as outlined below. The cost of these services is in line with British Medical Association guidance.
We want to make our patients aware of these charges so they can make an informed decision regarding any paperwork submissions going forward.
Please see below some of the services and the costs outlined below:
Forms e.g. holiday cancellation, occupational questionnaires, Insurance claims, Firearm Licence renewals etc.
Private Sick Note (e.g. For an employer)
Short letter from the Doctor
Detailed letter from the Doctor
Disabled Students Allowance
Disabled Bus Pass Application
Full Insurance Reports
Medicals (Pre Employment/HGV/Taxi/Bus)
*Other additional services may also be chargeable depending on the request, please ask in the surgery and a member of the management team will confirm prices*
Any paperwork will only be signed off and completed once payment has been via cheque or cash in reception.
You will be contacted directly once your paperwork is ready for collection.
PLEASE BE AWARE: Charges may be subject to change at the discretion of the management team
We DO NOT offer the following:
-'Fit to fly' Notes
-'Fit to compete/run'notes for marathons, running competitions and other competitive events
-Letters for re housing applications from patients (we will however consider applications directly from landlords/housing associations etc. but there may be a fee
-Direct letters regarding change in benefits (again we will only deal with official paperwork provided by DWP or other relevant agencies)
If you have any queries or questions regarding these charges or services please contact Murdishaw Health Centre directly and a member of the team will do their best to help you. | finance |
http://kmbmoney.com/ | 2020-02-17T03:48:54 | s3://commoncrawl/crawl-data/CC-MAIN-2020-10/segments/1581875141653.66/warc/CC-MAIN-20200217030027-20200217060027-00427.warc.gz | 0.937795 | 188 | CC-MAIN-2020-10 | webtext-fineweb__CC-MAIN-2020-10__0__157748540 | en | The faster, more reliable way to send money anywhere
The fast, reliable and cost-effective international payments
platform for your business.
Sign up online or in our app for free. All you need is an email address, or a Google or Facebook account.
Tell us how much you want to send. We’ll show you our fees upfront, and tell you when your money should arrive.
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For currency transfer, we need a photo of your ID. This helps us keep your money safe
Send your money with a bank transfer, or a debit card.
We’ll handle the rest. You can track your transfer in your account, and we'll tell your recipient it's coming.
Download our app and get a great rate for your money. | finance |
https://allnews.press/2021/03/23/asia-pacific-stocks-edge-higher-baidu-rises-in-hong-kong-debut-from-international-top-news-and-analysis/ | 2021-05-15T21:44:42 | s3://commoncrawl/crawl-data/CC-MAIN-2021-21/segments/1620243991378.52/warc/CC-MAIN-20210515192444-20210515222444-00207.warc.gz | 0.920173 | 602 | CC-MAIN-2021-21 | webtext-fineweb__CC-MAIN-2021-21__0__128836239 | en | SINGAPORE — Shares in Asia-Pacific were mixed in Tuesday trade, with Chinese search giant Baidu making its debut in Hong Kong.In Japan, the Nikkei 225 edged 0.53% higher while the Topix index gained 0.33%. South Korea’s Kospi slipped fractionally.Mainland Chinese stocks dipped as the Shanghai composite shed 0.21% while the Shenzhen component declined 0.287%. Hong Kong’s Hang Seng index was little changed.Shares in Australia inched higher, with the S&P/ASX 200 rising 0.26%.MSCI’s broadest index of Asia-Pacific shares outside Japan traded 0.15% higher.In corporate developments, Baidu’s stock began trading in Hong Kong on Tuesday, with shares rising more than 1% in early trade from their issue price. The firm joins a long list of U.S.-listed Chinese tech companies that have done secondary offerings in Hong Kong, including Alibaba and JD.com.Tech stock watchMeanwhile, technology stocks in Asia-Pacific were mixed in Tuesday morning trade. Shares of Japanese conglomerate Softbank Group gained 0.17% while South Korean industry heavyweight Samsung Electronics advanced 0.12%. LG Electronics, on the other hand, fell 2.9%.Over in Hong Kong, shares of Tencent nudged 0.47% higher while Alibaba dipped 0.26%.The moves in regional tech stocks came after their counterparts stateside rallied overnight amid declining bond yields, with the tech-heavy Nasdaq Composite jumping 1.23% to close at 13,377.54.Other major indexes on Wall Street also rose on the day: The S&P 500 advanced 0.7% to 3,940.59 while the Dow Jones Industrial Average climbed 103.23 points to 32,731.20.The moves stateside came as the 10-year Treasury yield declined 5 basis points to around 1.68% (1 basis point equals 0.01%), following a 14-month high touched last week. It last stood at 1.6964%.Currencies and oilThe U.S. dollar index, which tracks the greenback against a basket of its peers, was at 91.829 — still above levels below 91.5 seen last week.The Japanese yen traded at 108.84 per dollar, stronger than levels above 108.75 against the greenback seen last week. The Australian dollar changed hands at $0.7726, still off levels above $0.78 seen last week.Oil prices declined in the morning of Asia trading hours, with international benchmark Brent crude futures down 0.99% to $63.98 per barrel. U.S. crude futures shed 0.96% to $60.97 per barrel.— CNBC’s Arjun Kharpal contributed to this report.Correction: This article was updated to accurately reflect the level of the U.S. dollar index. | finance |
http://binaryoptiontrade.winsfuddmindvirmoldbal.tk/?binomo=14535 | 2022-11-30T17:52:39 | s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710765.76/warc/CC-MAIN-20221130160457-20221130190457-00409.warc.gz | 0.900535 | 1,327 | CC-MAIN-2022-49 | webtext-fineweb__CC-MAIN-2022-49__0__139697078 | en | Binomo broker is fully cooperating with customers worldwide, ensuing the most exciting, profitable and exclusive trading conditions with unbeatable returns up to 95% per trade. Transparency being an integral part of its operations you can be sure of up-to-date market quotes and ease of deposits and withdrawals. This allows for a high degree of trust and reaffirms its positive investment climate. Placing a trade with the binomo platform is easy. However, you have to analyze the market carefully before placing trades. Those who are new in this field, still don’t know how to place a trade on Binomo platform. So, you can follow these below steps to open a contract and get profit. So the best way to trade at Binomo platform is to avoid 30-second transactions. Do you often listen to ads for making money in 30 seconds with Binomo? Forget this right away. Because if you trade short, the price may be affected by the platform so you could lose money very quickly. Trading platform Binomo Is Binomo a multi-level finance? Too many multi-level finances have appeared recently ... Before you place a trade you know exactly how much you stand to gain if your prediction is correct, usually 70-95% – if you invest $100 you will receive a credit of $170 – $195 on a successful trade. This makes risk management and trading decisions much more simple. The outcome is always a Yes or No answer – you either win it all or you lose it all – hence it being a “ binary ... How to trade on the Binomo platform - a technical guide. CryptoCompare 17 Sep 2017 Financial trading with binary options has become one of the most advanced and profitable method of obtaining a stable income online. However, many potentially successful investors do not dare to make a career for themselves in this field due to their lack of special knowledge and experience in trading on the ... Moreover, Binomo is a trading platform that allows you to trade options and forex. You can perform trade using different winning strategies. You can use this strategy on different broker’s platform. We choose here Binomo, as we have a noticeable number of traders who trade through this platform. So, this blog post will help you to know how to ... Binomo originally had a $1 minimum trade size and a $1,000 maximum trade size. They then raised this to $2 minimum and $2,000 maximum. Since then, they have dropped it right back down to $1 and $1,000 respectively. This is sensible and in keeping with the small account holders that Binomo is targeting with its services. After all, you only have to deposit $1,000 to get a VIP account with top ... I have known Binomo by my friend’s recommendations since I looked for a broker to trade forex. I joined Binomo in 2015, and I have great experience with this broker! I opened a classic account with them and I have not had any issue. Although, sometimes there has slow connection, when I trade but it’s not big issue to me, as far as I can make money with no problem in withdrawing of profits ... We will update this review if the status of Binomo for Canadians changes. The good news is, there are many great alternatives to Binomo available to you in Canada! Our #1 platform for you is: Swiss Markets. You can register an account there to trade Forex in Canada. - Visit Binomo Anyway - List of all Canada Forex Broker Reviews - Change Country Terms of trade with Binomo. A perfect free training block, continues update of analytical materials and the number one is that this company can become the best choice for novices as it offers to them the lowest trade limit: minimal deposit of $5 and minimal transaction of $1. There is a free demo account available for novices, strategies proven ...
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Binomo Best 100% profitable winning strategy - Duration: 5:30. Online Trading Strategy 5,644 views. 5:30. Best FX Trading Strategies (THE Top Strategy for Forex Trading) - Duration: 32:00. ... »Link Registrasi BINOMO https://bit.ly/2XJLYbu Halo Trader, pada video ini gua mau berbagi strategi trading Binomo pada mata uang OTC yang hanya ada di Akhir Pekan. Gua disini pake Indikator MACD. Register On Binomo: https://bit.ly/2qeQ50g Join Telegram Channel for More Hidden Tricks : https://telegram.me/DropoutEngineer If you are forex trader and wan... We look at real-world examples as to how the signals and indications can lead to profitable trades. Discover the best Binary and Forex indicator for your trading strategy so you can improve your ... Simple Forex Trading Strategy: ... Best Trend Lines Trading Strategy (Advanced) - Duration: 28:55. Wysetrade 802,802 views. 28:55. 25 Year Old Millionaire Stock Trader Alex Temiz Q+A at SMB ... Practice FOREX - FREE or REAL at: http://www.avatrade.com/?tag=75842 Forex Scams: https://www.youtube.com/watch?v=eTiXEEBIQnI PART 2: https://www.youtube.com... Enjoy the videos and music you love, upload original content, and share it all with friends, family, and the world on YouTube. The Best Times to Trade the Forex Markets. Subscribe if you want to learn while being entertained. Please like the video and comment if you enjoyed - it ... 🚨🚨Trading Performance 🚨🚨 Improve Your Trading Performance at our Fundamental Trading Academy https://www.toptradersfx.com/academy (Our Academy is 1v1 ... 100% Accurate Trading System 🔥 Best Indicator For Forex Trading 🔥🔥 Free Download 2020 🔥🔥🔥 - Duration: 11:08. POWER OF TRADING 2,171 views 11:08 | finance |
https://easibooks.co/how-it-works/ | 2019-12-15T07:24:04 | s3://commoncrawl/crawl-data/CC-MAIN-2019-51/segments/1575541307797.77/warc/CC-MAIN-20191215070636-20191215094636-00485.warc.gz | 0.905773 | 323 | CC-MAIN-2019-51 | webtext-fineweb__CC-MAIN-2019-51__0__31525818 | en | Easibooks online bookkeeping services save you time, money and hassle.
Beginning of each month, you send bills, invoice, receipts, payments, statements, employee data and other information by mail, fax, email or upload it to our user-friendly document sharing portal.
We record, categorize, reconcile transactions and update your books. If we have questions, we will contact you for missing documents or clarifications.
You get monthly profit and loss, balance sheet, cash flow statements and other relevant reports to help you make informed business decisions. If you need clarifications, no problem! Just email your dedicated bookkeeper.
For the first month, your dedicated bookkeeping pro will review financial reports, analysis and document collaboration process with you. After that, you will be able to communicate with you dedicated bookkeeper when you have questions or input.
Easibooks is you, your dedicated bookkeeper, beautiful bookkeeping software, document management and collaboration tools, and online bookkeeping services.
No more waiting for your bookkeeper to call back. Easily communicate with your bookkeeper to get the information you need for making decisions.
Access your financial dashboard, drill down on transactions, get reports and analysis you need to run your business anytime, anywhere!
Our streamlined document sharing, collaboration and communication process makes bookkeeping fast, easy and affordable.
Best in class software, easy navigation and contextual online support eliminates bookkeeping pain and puts you in control of business finance.
Let an Easibooks pro take on your bookkeeping challenges and guide your business to higher profitability. | finance |
https://marketing.khl.com/news/record-construction-equipment-sales-in-2021/8019232.article | 2023-12-01T04:08:18 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100264.9/warc/CC-MAIN-20231201021234-20231201051234-00216.warc.gz | 0.95937 | 681 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__59360282 | en | Record construction equipment sales in 2021
23 March 2022
Download your one-page guide to the key headlines.
Record sales in 2021
Global construction equipment sales grew +10 per cent last year. High demand and long lead times mean a similar volume of equipment is forecast to be sold in 2022.
Global construction equipment sales rose 10 per cent in 2021 to a new record of 1,196 million units, according to Off-Highway Research’s newly updated Global Volume & Value Service. A -5% fall in demand is expected this year, but that would still give 2022 the second highest sales volume on record.
Off-Highway Research managing director, Chris Sleight said, “The combination of low interest rates, stimulus spending on infrastructure and high commodity prices last year was a heady combination for the construction equipment market. Residential construction is booming, there is strong demand for equipment from mines and the pipeline of infrastructure work looks solid.”
All major markets of the world grew last year, with the exception of China. Some of the most robust growth was seen in North America (up 25 per cent) and Western Europe (up 22 per cent), while emerging markets, excluding India and China, were up 24 per cent.
Sleight said, “Equipment sales in China have moved to a different rhythm to the rest of the world since the start of the Covid pandemic. China quickly put stimulus in place at the start of the global pandemic in March 2020. As a result it saw 30 per cent growth in its equipment sales last year, to take the market to volumes which had not been seen for a decade.
“However, this stimulus push was soon spent and equipment sales started to fall in the second quarter of 2021. Although the downturn was steep, the extremely high volumes of equipment sold in the first quarter had an offsetting effect, and the market as a whole fell only -6 per cent overall in 2021.”
Forecast for 2022
The outlook for this year remains upbeat, with further equipment sales growth expected in many countries, again with the exception of China. “As has been widely reported, demand for construction equipment globally is much higher than can be met by the available supply, while shipping bottlenecks are an unwelcome contributor to long lead times. Many manufacturers report that they are sold out for 2022, so we expect global equipment sales to stay at high levels throughout the year,” said Sleight.
“However,” he added, “There are clearly downside risks. Inflation and the prospect of rising interest rates have been factors for several months and could be a brake on growth. More recently, Russia’s invasion of Ukraine and the resulting international sanctions have exacerbated this situation. It is too early to say how the geopolitical and economic factors will play out, but there are clearly no positives to draw from such a dreadful situation.”
Results from last year and Off-Highway Research’s updated outlook will be discussed in our Global Off-Highway Briefing webinar on 29th March. More details are available on our dedicated website.
Book your place with a credit card payment on the Off-Highway Research online store here.
If you need to pay by American Express, please book via the KHL online store here. | finance |
http://adc-lighting.com/e_news_show/?id=5 | 2020-07-08T11:37:10 | s3://commoncrawl/crawl-data/CC-MAIN-2020-29/segments/1593655896932.38/warc/CC-MAIN-20200708093606-20200708123606-00320.warc.gz | 0.959104 | 412 | CC-MAIN-2020-29 | webtext-fineweb__CC-MAIN-2020-29__0__195953524 | en | Osram deal to get green light soon
Countries related to sale already OK'd transaction
China will give the green light soon to a Chinese consortium's acquisition of an LED lighting unit of Osram Licht AG, after the German company gained approval from the anti-monopoly authorities in all other related countries, experts said on Monday.
The comments came after the Committee of Foreign Investment in the United States, a multiagency panel chaired by the Treasury Department, approved the 400-million-euro ($425.6 million) purchase of the German group's LED lighting unit, also known as LEDVANCE, by Chinese buyers last week.
Because LEDVANCE has assets and manufacturing facilities in a number of countries, the deal has been approved by anti-monopoly authorities in the US, Macedonia, Mexico, Turkey, Germany, Poland and Russia.
Li Gang, vice-president of the Chinese Academy of International Trade and Economic Cooperation in Beijing, said the robust growth of China's outbound direct investment would not change because current economic development requires that domestic companies use resources in global markets.
The Munich-based manufacturer of lighting products and semiconductors said the deal is still awaiting approval from China's State Administration of Foreign Exchange, the final government authority to approve the purchase.
"As China is upgrading its manufacturing ability to more advanced and internet-connected products, this deal certainly will be cleared by government branches soon to encourage domestic companies to invest in high-end, smart and green manufacturing abroad," said He Jingtong, a professor of international trade at Nankai University in Tianjin.
The Chinese consortium was formed by Sanan Optoelectronics Co Ltd, IDG Capital Partners and Yiwu State-Owned Assets Operation Center. The consortium's bid was cleared by Germany in January.
He said even through the mood for trade protectionism has grown fast since the United Kingdom's decision to leave the European Union, the German and the US governments were aware that controlling risks and cooperating with China would benefit all sides. | finance |
http://www.tlavideo.com/support/supportOption.cfm?v=4&g=0&sn=4638&supID=53 | 2017-07-21T16:40:42 | s3://commoncrawl/crawl-data/CC-MAIN-2017-30/segments/1500549423787.24/warc/CC-MAIN-20170721162430-20170721182430-00325.warc.gz | 0.933546 | 419 | CC-MAIN-2017-30 | webtext-fineweb__CC-MAIN-2017-30__0__101750386 | en | Earn Rewards for Future Purchases
Earn Rewards for future purchases
Spend more – get more!
For every purchase you make online at any TLA shopping site, you will earn credit rewards, These Rewards can be used like cash toward any future online purchase with us. The more you spend per purchase the more Rewards you will earn:
- Spend $1 to $99.99 - You earn 2% of your purchase in Rewards
- Spend $100 to $199.99 - You earn 3% of your purchase in Rewards
- Spend over $200 - You earn 4% of your purchase in Rewards
For example, if you place an order with us for $100 you will earn $3 in Rewards that you can apply toward a future purchase. Rewards are awarded only for the amount spent on products, not shipping or sales tax. In the event of sales, promotions, or discounts, Rewards are awarded only for the amount spent, not for the pre-discount price.
Who is eligible to earn these Rewards?
Rewards may be earned and redeemed only by our customers with a valid email address who subscribe to at least one of our email mailing lists. Subscribing to one of our email lists gives you special offers and valuable discounts!
How do I keep track of my Rewards?
When you log in at any TLA Entertainment website you will see your available Rewards directly below the shopping cart at the top of the site.
How do I spend my Rewards?
You can redeem your Rewards by selecting the "SPEND REWARDS" option in your shopping cart at the time of purchase.
Will my Rewards expire?
No. Unused rewards do not expire. However, we reserve the right to change this policy at anytime.
Can I spend my Rewards anywhere?
When are Rewards awarded?
Rewards are awarded the next business day after your order has shipped.
Contact Customer Service
Do you have a question, comment or concern? Are you still unsure about something? Contact our customer service department using the form below. | finance |
http://www.mattblodgett.com/2016_04_01_archive.html | 2017-05-24T00:30:32 | s3://commoncrawl/crawl-data/CC-MAIN-2017-22/segments/1495463607726.24/warc/CC-MAIN-20170524001106-20170524021106-00027.warc.gz | 0.971799 | 497 | CC-MAIN-2017-22 | webtext-fineweb__CC-MAIN-2017-22__0__86276724 | en | It seems like there is stigma in the software development world around looking at money as a central motivator for one’s career choices. You should instead be passionate about a company’s mission, or motivated intrinsically by a drive toward craftsmanship, or yearn for the chance to use cool technologies.
But there’s a common expression in the outside world:
Money talks, bullshit walks.
It turns out that money is a convenient shortcut to determining how much an organization values one’s contributions. And a close correlate to value is respect.
Even for someone who is not generally motivated by money in life, I believe can still find better jobs by focusing on how much a company is willing to pay.
I imagine many people have had jobs where they felt talked down to or generally made to believe they were unimportant. And along with that attitude comes other negative aspects to a job, like a crappy work environment, outdated equipment, lack of concern for one’s career goals, etc. None of us want a job like that.
If you’ve ever had a job like that, let me ask a rhetorical question: were you well-paid at that job? How was your salary or hourly wage?
Some companies try to get away with lower salaries by offering cheap perks like free sodas and snacks. Similar to car dealerships hoping people will buy a luxury car from them because they offer free car washes.
The thing about perks like that is they assume a certain naivete on the part of employees. “This company is a great place to work, because they have a free pizza lunch once a week…something that costs them a small fraction of my hourly wage.”
Perks are great, but when I find that a company is attempting to sell me on a job by heavily touting these kinds of perks—things that I could buy for myself quite cheaply—I ask myself one question:
“If they really appreciated me and the work I do, why wouldn’t they just pay me more?”
I’d argue that consciously seeking out companies that offer higher salaries and compensation is a great way to find many of the other things that make a job great, like talented co-workers, respect within the organization, and latitude in the way that one works.
When evaluating career opportunities, money is not the only voice, but it sure speaks volumes. | finance |
http://aboutschwab.com/about/leadership/joseph_martinetto/ | 2013-05-20T12:08:19 | s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368698924319/warc/CC-MAIN-20130516100844-00066-ip-10-60-113-184.ec2.internal.warc.gz | 0.943159 | 300 | CC-MAIN-2013-20 | webtext-fineweb__CC-MAIN-2013-20__0__72438161 | en | Joseph R. Martinetto
Executive Vice President and Chief Financial Officer
Joseph R. Martinetto is responsible for the core financial functions of financial planning & analysis, Treasury, the controllership, Investor Relations and corporate real estate. He is also responsible for corporate development and strategy, technology services, operations, information security and Schwab Bank.
Martinetto joined Schwab in 1997 as senior vice president and Treasurer. While he assumed the role of senior vice president of retail finance in 2001, Martinetto returned to the Treasury role in 2003, assuming incremental responsibility for financial planning & analysis and management information systems. He became the company’s Chief Financial Officer in 2007.
Prior to joining Schwab, Martinetto was senior assistant treasurer at Transamerica Corporation and senior vice president of Transamerica Finance Corporation. He oversaw the asset/liability management function for Transamerica, as well as managing the derivative and foreign exchange activities, capital and liquidity planning, and rating agency relationships.
From 1984 until 1996, Martinetto worked at First Interstate Bancorp in a variety of positions, including several years in Treasury as vice president and manager of long-term funding. At the time of First Interstate’s acquisition, he was senior vice president and manager of the asset and liability management department.
Martinetto has a Bachelor of Arts degree in mathematics and economics from Claremont McKenna College and a Master of Business Administration degree from the University of California, Berkeley. | finance |
https://heartlandheritagefarms.com/refer-a-friend | 2023-12-08T01:57:57 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100710.22/warc/CC-MAIN-20231208013411-20231208043411-00478.warc.gz | 0.924453 | 279 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__94689808 | en | You can now earn $10 in store credit for every new referral to Heartland Heritage Farms!
How you earn credit:
1. Log in to your account and click the "Referrals" tab.
2. Share your referral link on social media or any way you see fit. (Select/highlight your link, Right Click and click “Copy”)
3. When someone uses your link to create an account and pays for their first order you earn $10 in store credit. There is no limit to how much store credit you can earn. The more you share the more potential credit you can earn.
Some helpful tips:
1. Every new customer you refer will also get $10 in credit when they sign up. Use this to help incentivize people to sign up and place an order.
2. Tell people why they should try Heartland Heritage Farm meats, include a picture, or give a review. The more you engage the more referrals you will get.
3. You can track your referral stats from the referral tab under your account. From there you can see how many people clicked your link, how many referrals you have, and how much credit you've earned.
See screenshot below:
(Click on the “Referrals” tab on the left side of your screen to access your Referral Link) | finance |
https://www.beth-tzedec.org/page/our-leadership/a/display/s/1/hc/1/item/1995 | 2021-09-18T19:48:30 | s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780056572.96/warc/CC-MAIN-20210918184640-20210918214640-00643.warc.gz | 0.961401 | 139 | CC-MAIN-2021-39 | webtext-fineweb__CC-MAIN-2021-39__0__70970426 | en | Cecile is a CPA involved in real estate management and investment. She has 25 years of governance experience on the boards of TanenbaumCHAT, Jewish Family and Child, UJA Federation, Leo Baeck and others. She is the Treasurer of Beth Tzedec and a member of the Executive. She serves on the Catering, Nominations, Audit, Investment and Cemetery Committees of the shul and Chairs Budget & Finance. She is the proud parent of 3 RHA and TanenbaumCHAT grads. A member of Beth Tzedec for 20 years, Cecile looks forward to working collaboratively on the exciting challenges and opportunities ahead for our shul. | finance |
http://course-catalog.sowashco.org/business/personal-finance | 2019-04-25T13:46:07 | s3://commoncrawl/crawl-data/CC-MAIN-2019-18/segments/1555578721468.57/warc/CC-MAIN-20190425134058-20190425160058-00160.warc.gz | 0.947391 | 113 | CC-MAIN-2019-18 | webtext-fineweb__CC-MAIN-2019-18__0__103970924 | en | Never has the need for financial education been so critical for all students! Become equipped to confidently discuss money issues and plan for your own financial future. Learn the essentials for independent living such as budgeting, saving for a car and buying insurance. Learn how to build wealth and avoid the mistakes of others who find themselves with unnecessary debt and in bankruptcy court. Instead, learn how to develop good financial habits at an early age - habits that will allow you to Make, Manage, Multiply and Protect your money. This course is essential for a secure financial future. | finance |
https://bankruptcycourthouse.com/colorado/gunnison-county/ | 2024-04-21T17:33:10 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817790.98/warc/CC-MAIN-20240421163736-20240421193736-00007.warc.gz | 0.932715 | 2,998 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__141105639 | en | Gunnison County Bankruptcy Court
Bankruptcy cases from Gunnison County are handled in the District of Colorado, United States Bankruptcy Court. The District of Colorado is a federal bankruptcy court which handles cases from the following Counties in Colorado: Adams County, Alamosa County, Arapahoe County, Archuleta County, Baca County, Bent County, Boulder County, Broomfield County, Chaffee County, Cheyenne County, Clear Creek County, Conejos County, Costilla County, Crowley County, Custer County, Delta County, Denver County, Dolores County, Douglas County, Eagle County, El Paso County, Elbert County, Fremont County, Garfield County, Gilpin County, Grand County, Gunnison County, Hinsdale County, Huerfano County, Jackson County, Jefferson County, Kiowa County, Kit Carson County, La Plata County, Lake County, Larimer County, Las Animas County, Lincoln County, Logan County, Mesa County, Mineral County, Moffat County, Montezuma County, Montrose County, Morgan County, Otero County, Ouray County, Park County, Phillips County, Pitkin County, Prowers County, Pueblo County, Rio Blanco County, Rio Grande County, Routt County, Saguache County, San Juan County, San Miguel County, Sedgwick County, Summit County, Teller County, Washington County, Weld County, Yuma County. The federal courts have 90 different judicial district across the states and U.S. territories (some states have more than one district court).Each district court has a matching bankruptcy court which handles all the bankruptcy cases arising from that jurisdiction.
Can I file my Gunnison County bankruptcy case in District of Colorado Bankruptcy Court?
If your residence is in Gunnison County or the principal place of your business is in Gunnison County, you can file your case in District of Colorado Bankruptcy Court. Additionally, District of Colorado handles cases from all of the following Counties: Adams County, Alamosa County, Arapahoe County, Archuleta County, Baca County, Bent County, Boulder County, Broomfield County, Chaffee County, Cheyenne County, Clear Creek County, Conejos County, Costilla County, Crowley County, Custer County, Delta County, Denver County, Dolores County, Douglas County, Eagle County, El Paso County, Elbert County, Fremont County, Garfield County, Gilpin County, Grand County, Gunnison County, Hinsdale County, Huerfano County, Jackson County, Jefferson County, Kiowa County, Kit Carson County, La Plata County, Lake County, Larimer County, Las Animas County, Lincoln County, Logan County, Mesa County, Mineral County, Moffat County, Montezuma County, Montrose County, Morgan County, Otero County, Ouray County, Park County, Phillips County, Pitkin County, Prowers County, Pueblo County, Rio Blanco County, Rio Grande County, Routt County, Saguache County, San Juan County, San Miguel County, Sedgwick County, Summit County, Teller County, Washington County, Weld County, Yuma County. This is referred to as the court’s jurisdiction. Because District of Colorado is a federal bankruptcy court, it has a limited jurisdiction of bankruptcy cases arising out of the above Counties. A regular case for breach of contract or tort action needs to be filed in the appropriate Colorado State Court (or District of Colorado Court).
What is the difference between Chapter 7 and Chapter 13 bankruptcy?
In Chapter 7 bankruptcy, the non-exempt assets of the debtor are liquidated and the proceeds are distributed to the debtor’s unsecured creditors. Chapter 7 is the most simple and quickest form of bankruptcy. In 2005 amendments were made to the bankruptcy law to require a “means test” that a debtor must meet in order to be eligible to file for Chapter 7 bankruptcy. If the “means test” is failed, the case will either be dismissed or converted to a Chapter 13 bankruptcy.Chapter 13 bankruptcy allows an individual to keep all of their possessions or assets, but they must devote a portion of their future income to repay their creditors. The debtor must have a regular source of income in order to develop a plan to repay all or part of their debts. In Chapter 13 bankruptcy the payback period is between 3-5 years depending upon the amount of income the individual has.The biggest difference is that the debtor is able to keep all their possessions in a Chapter 13 filing, but must pay back their debt over a 3-5 year period.
Gunnison County Bankruptcy Court Clerk
Each bankruptcy court has its own court clerk. The court clerk’s office is where documents are filed for the bankruptcy court. The clerk’s office (or at least a part where filings are taken) is generally located in the same courthouse as the court.A court clerk can provide legal information, but not legal advice.
What is an automatic stay?
An important part of all bankruptcy filings is what is referred to as an automatic stay. By filing for bankruptcy, an automatic stay is imposed and immediately stops most lawsuits, reposessions, foreclosures, evictions, garnishments, attachments, utility shut-offs, and any debt collection.
What is a bankruptcy discharge?
A discharge in bankruptcy removes the debtor from liability for certain debts (ie. the debtor no longer has any legal obligation to pay the debts that were discharged). The discharge is permanent and prevents the creditor from further pursuing repayment of the debt or contacting the debtor. Put another way, the Debtor is no longer obligated to pay any debts that are discharged.The bankruptcy discharge is a permanent order.Once granted, the Creditor is prohibited from taking any form of collection action on a discharged debt including written communications or telephone calls with the Debtor.The discharge removes the Debtor from personal liability, but any valid lien that was not avoided in the bankruptcy case still remains.Under Chapter 7, a bankruptcy discharge may occur as soon as four months after the bankruptcy petition is filed with the clerk’s office.Under Chapter 12 or 13, the discharge occurs only after all payments under the plan which may be about four years after the bankruptcy petition is initially filed.
What is the “means test” for filing Chapter 7 bankruptcy?
If the debtor’s income is more than the state median income, they must satisfy the “means test” (If their income is less than the state median income, then they may file for Chapter 7 bankruptcy).The means test takes the the debtor’s aggregate current monthly income over 5 years, net of certain statutorily allowed expenses, is more than (i) $11,725, or (ii) 25% of the debtor’s nonpriority unsecured debt, as long as that amount is at least $7,025.The debtor may rebut a presumption of abuse only by a showing of special circumstances that justify additional expenses or adjustments of current monthly income.Unless the debtor overcomes the presumption of abuse, the case will generally be converted to chapter 13 (with the debtor’s consent) or will be dismissed. 11 U.S.C. § 707(b)(1).
Will I be required to appear in court?
A typical Chapter 7 Debtor will usually not be required to appear in court.The Chapter 7 Debtor will only have to appear in court if an objection is filed.A Chapter 13 Debtor will usually only have to appear before the bankruptcy judge at a plan confirmation hearing. A debtor usually only has to appear at a 341 meeting.A 341 meeting is a usually held at the office of the U.S. Trustee.The meeting is required under Section 341 of the U.S. Bankruptcy Code and requires a Debtor to attend the meeting so the Creditors can ask the Debtor questions about debts and property.
Do I need an attorney?
Corporations, Partnerships, or any other association are required to have an attorney.Individuals can file bankruptcy without an attorney and go “pro per” or “pro se.”But, it is very difficult to do as the rules of bankruptcy are very complex. Parties are required to follow the rules and procedures of bankruptcy court whether or not they are represented by an attorney.
What rules govern bankruptcy?
Article I, Section 8 of the United States Constitution authorizes Congress to enact laws related to bankruptcy. The rules and procedures for Bankruptcy proceedings in the United States are written in Title 11 of the United States Code. These rules are called the Federal Rules of Bankruptcy. Under the rules, the bankruptcy judge has jurisdiction to make all the decisions surrounding the bankruptcy case including eligibility and whether a debtor is entitled to a discharge. A large majority of the bankruptcy process is administrative. In certain cases (filed under Chapters 7, 12, and 13), a trustee carries out many of the administrative functions.
What are the different types of bankruptcy?
Six basic types of bankruptcy are allowed under the U.S. Bankruptcy Code.
What is a Chapter 7 Bankruptcy?
Chapter 7, sometimes called Liquidation, allows for an orderly court-supervised procedure where a trustee takes over the assets of the Debtor, reduces them to cash, and distributes the funds to Creditors.This distribution to Creditors is subject to certain exemptions that the Debtor is entitled to.Generally in Chapter 7, there is little to no assets which are nonexempt.This means generally the Creditors will not receive anything under this Chapter.These are called “no-asset cases.”A Creditor will only receive a distribution from the Debtor’s estate if the case is an asset case and the Creditor has filed proof of the claim with the bankruptcy court. Usually, in Chapter 7 cases, the Debtor is an individual and will receive a discharge that releases the Debtor from personal liability for the debts. This discharge is usually received a few months after bankruptcy is initially filed.In order for a Debtor to qualify for relief under Chapter 7, the Debtor must qualify under a “means test.”If the income exceeds a certain amount under the “means test,” the Debtor is not eligible for relief under Chapter 7.
What is a Chapter 13 Bankruptcy Case?
Chapter 13 is designed for a Debtor who has a regular source of income. Chapter 13 is preferred by most Debtors over Chapter 7 because it allows a Debtor to keep a certain asset (usually a house), and allows the Debtor to set up a “plan” to repay Creditors over a period of time (usually three to five years).Chapter 13 is also used by individual Debtors who do not qualify for Chapter 7 under the “means test.”The confirmation hearing is where the court either approves or rejects the Debtor’s repayment plan.In making its decision, the court looks to the requirements for determination under the U.S. Bankruptcy Code.Chapter 13 is different from Chapter 7 because the Debtor usually remains in possession of the property (usually the house), and makes payments to the Creditors for the duration of the payment plan.Also a difference from Chapter 7, is that the Chapter 13 Debtor does not receive a discharge until all the payments required under the plan are made.One other advantage is that the discharge under Chapter 13 is broader than under Chapter 7 (ie. more debts are eliminated).
What is a Chapter 11 Bankruptcy Case?
Chapter 11 is normally used by commercial enterprises that wish to keep operating a business and repay Creditors through a debt repayment plan approved by the bankruptcy court.During the first 120 days, the Debtor has the exclusive right to file a plan of reorganization and provide Creditors with a disclosure statement that provides the Creditors with enough information to evaluate the plan. The bankruptcy court makes the ultimate decision to approve or reject the reorganization plan.Under the plan for reorganization, the Debtor can reduce its debts by discharging some or repaying only a portion of its obligation under the original debt.Under this Chapter, the Debtor undergoes a period of consolidation and leaves with a reduced debt load and reorganized business.
What is a Chapter 12 Bankruptcy Case?
Chapter 12 is written specifically for farmers of fisherman. The procedures under Chapter 12 are very similar to those under Chapter 13. Under Chapter 12, the Debtor agrees to pay a portion of the Debtor’s debts under repayment plan (between three and five years).Like Chapter 13, under Chapter 12, there is also a trustee appointed to to disperse payments to Creditors.Under Chapter 12, a fisherman or farmer is able to continue operating a business while the repayment plan is carried out.
What is a Chapter 9 Bankruptcy Case?
A Chapter 9 bankruptcy allows for a municipality (city, town, county, school district or other public entity), to undergo a reorganization that is very similar to that available to commercial enterprises under Chapter 11. This Chapter is only available to municipalities.
What is a Chapter 15 Bankruptcy Case?
Chapter 15 deals with corporate entities where a Debtor or a Debtor’s property is subject to the laws of the United States and one or more foreign states.
What is bankruptcy?
Bankruptcy is a process where Debtors are given a fresh start from burdensome debts. It does this through a bankruptcy discharge which releases a Debtor from personal liability of certain debts and prevents Creditors from ever taking action against the Debtor to collect those debts.
What rules apply to bankruptcies in District of Colorado Bankruptcy Court?
The procedures of bankruptcy are defined in the Federal Rules of Bankruptcy Court and the local rules.
Gunnison County Bankruptcy Court Location
Address: 721 19th St., Denver, CO 80202-2508
Phone: Court–(720)904-7300, Atty ECF Help Desk–(720)904-7450, VCIS–(720)904-7419
Hours: 8:00am – 5:00pm Monday-Friday | finance |
https://dispatch.rippling-ats.com/job/513720/controller | 2022-12-03T02:55:28 | s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710918.58/warc/CC-MAIN-20221203011523-20221203041523-00579.warc.gz | 0.929863 | 842 | CC-MAIN-2022-49 | webtext-fineweb__CC-MAIN-2022-49__0__273019012 | en | We are looking for a future-focused leader who will use their financial and accounting expertise to lead Dispatch’s fiscal functions, helping drive continued revenue growth and cost reduction. You will lead a team of accounting/finance professionals to maintain financial records, communicate results to the company, establish budget controls, improve internal processes and identify ways to reduce expenses. You will also be responsible for preparing financial reports, testing internal controls and participating in special projects such as strategic partnership assessments and ROI analyses. We are looking for an individual that has an entrepreneurial spirit and does not hesitate to get hands-on, expert in accounting with strong financial analysis skills.
In this role, you’ll lead through change and maintain alignment through the communication of team and individual roles, goals, and expectations, and by providing real-time feedback. As a people-leader at Dispatch, you’ll continue building and retaining a high-performing team by being involved in the day-to-day and acting with a sense of responsibility, compassion, integrity, and forgiveness.
This is a full-time exempt (executive exemption) role that reports to the Chief Financial Officer.
What You’ll Do
Lead a team of accounting/finance professionals; responsible for staffing/hiring, establishing goals and objectives, and mentoring and developing talent
Develop and manage accounting, budgeting and financial reporting processes
Own the end of year audit process and oversee external firms in the preparation of financial documents and tax filings, and the performance of audits
Perform pro-actively details analysis of results and create action plans to improve business performance
Lead monthly accounting close activities and ensure compliance with local, state and federal government reporting requirements
Partner with CFO and Dispatch leadership team to prioritize financial strategies that align with the growth plan of Dispatch
Communicate and present Dispatch’s financial results to relevant audiences including, but not limited to: board meetings, company and investor updates
Establish short and long-term action plans for operational efficiency, including revenue enhancement and/or cost saving opportunities
Ensure account receivables and incoming payments are processed in compliance with Dispatch financial policies and procedures
Perform other duties as assigned (to be less than 10% of your responsibilities)
What We’re Looking For
High degree of accuracy, care and attention to detail
Ethics & integrity
Ability to quickly pivot as needed while consistently delivering results on time consistently deliver results on time
Capability and desire to foster and encourage an inclusive environment
Customer service orientation and negotiation & problem solving skills
Must be a positive, self-driven team-member with a desire to learn and grow
Capacity to execute all job duties in alignment with Dispatch’s core values, mission, and purpose
What You’ll Need
8+ years professional experience in accounting/finance (required)
3+ years of managing and leading teams (required)
Solid understanding of GAAP, fair credit practices and collections regulations (required)
2+ years experience as a Controller or Assistant Controller (preferred)
BS/BA degree (in Accounting, Business or Finance) and/or MBA (preferred)
Even if you don’t match 100% of the requirements, we still encourage you to apply so that we may possibly talk and see how you could still contribute to Dispatch in meaningful ways!
Dispatch is a technology-based company that redefines the way same-day deliveries are made in the B2B space. With our network of independent contractor drivers, Dispatch puts suppliers, businesses, and technicians in control of local deliveries with real-time tracking and transparency. We strive to deliver the best value and service to our customers every day.
Dispatch started in the Twin Cities, but is now in dozens of markets across the country. With all of this growth, we maintain a strong focus on our company culture. Dispatch operates on five core values: People First, Belief, Speed to Value, Driven to Deliver, and Transparency. If you connect with these values, we’d love to learn more about you! | finance |
https://www.sheepfoldaz.org/your-gifts/cash-gifts/ | 2023-02-08T01:19:33 | s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764500664.85/warc/CC-MAIN-20230207233330-20230208023330-00491.warc.gz | 0.904757 | 186 | CC-MAIN-2023-06 | webtext-fineweb__CC-MAIN-2023-06__0__166760059 | en | Thank you for choosing to support Sheepfold of Arizona as we share the love of Christ to women and children in Arizona through our ministry. Your gifts will help us continue to help victims of domestic abuse and violence reach restoration and hope. Please choose the option below to donate through our safe and secure payment processor. All gifts are tax deductible and are confidential. Thanks again!
How Can I Donate?
Make your check payable to The Sheepfold of Arizona and mailed to:
The Sheepfold of Arizona
PO Box 13316
Tucson, AZ 85732
One Time Donation
PayPal securely processes donations for The Sheepfold of Arizona. You can complete your payment with just a few clicks. You can use your credit card or bank account.
If you’d like to make your gift a recurring monthly donation, PayPal allows for recurring donations. | finance |
https://ccpatexas.org/membership-automatic-renewal/ | 2023-12-02T01:28:26 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100309.57/warc/CC-MAIN-20231202010506-20231202040506-00155.warc.gz | 0.900263 | 1,089 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__220010690 | en | Membership Automatic Renewal
For the convenience of our Members, CCPA has implemented an automatic renewal process for all subscriptions.
By subscribing to our services, you agree to the automatic renewal of your membership for subsequent billing cycles. Your subscription will be automatically renewed at the end of each billing period unless you choose to cancel it.
We will notify you via email before your membership renewal date, providing you with the opportunity to cancel or make any necessary changes to your subscription. If you do not cancel your subscription before the renewal date, your payment method will be charged automatically, and your membership will be extended for the next billing period.
You can manage your subscription and cancel the automatic renewal at any time by accessing your account settings on our website. To cancel your automatic renewal or change your payment method, you can log into your profile on the website, click the down caret by your name and select Account>Subscription. Payment information is available in the far right column.
At this time there is no option to renew your subscription early.
When you sign up to become a member of CCPA, you must enter your personal information, including your payment information on the Website. The payment information is transmitted to our Payment Processor (STRIPE) securely using 256-bit encryption. CCPA does not store any payment information locally. For more information on how we handle payment information, you can read the Credit Card Transactions Policy below.
Credit Card Transactions Policy
Effective Date: [June 30, 2023]
This Credit Card Transactions Policy (“Policy”) outlines the guidelines and terms for credit card transactions performed on the CCPA member website (“Website”). This Policy aims to ensure the security, privacy, and integrity of credit card information and to provide a positive user experience for our members. By using our Website and engaging in credit card transactions, you agree to comply with this Policy.
Confidentiality and Security
2.1. Confidentiality of Credit Card Information
We prioritize the confidentiality and protection of credit card information provided by our members. Any credit card information entered on our Website will be handled securely, following industry best practices and applicable laws and regulations.
2.2. Data Security Measures
We employ appropriate technical and organizational measures to safeguard credit card information against unauthorized access, disclosure, alteration, or destruction. These measures include, but are not limited to, encryption, firewalls, secure socket layer (SSL) certificates, access controls, and regular security audits.
2.3. Storage and Retention
CCPA does not store any credit card information.
3.1. Authorized Payment Gateways
We partner with STRIPE to process credit card transactions on our Website. You can read about how STRIPE handles security here Security at Stripe. STRIPE stores credit card information for as long as necessary to fulfill the purposes outlined in this Policy or as required by law. A PCI-certified auditor has audited STRIPE and determined that it meets the criteria for a certified PCI Service Provider Level 1. This is the most stringent level of certification available in the payments industry. To accomplish this, STRIPE uses the best-in-class security tools and practices.
STRIPE payment processing is used by many industry leading companies including: Amazon, IBM, Toyota, Shopify….You can read more by following this link STRIPE customers
3.2. Transaction Verification
All credit card transactions are subject to verification and review by STRIPE and relevant financial institutions. We reserve the right to delay, suspend, or cancel transactions if we suspect any fraudulent activity or if it violates our terms of service.
4.1. Accurate and Up-to-Date Information
Members are responsible for providing accurate and up-to-date credit card information when engaging in transactions on our Website. It is the member’s obligation to promptly update any changes to their credit card details to ensure uninterrupted service.
4.2. Unauthorized Use
Members must not use credit cards without proper authorization or engage in any fraudulent activities. Any unauthorized use of credit card information is strictly prohibited and may result in legal action.
4.3. Safe and Secure Environment
Members are responsible for maintaining the security of their devices and ensuring that they access the Website through secure and trusted networks. It is advised to use secure passwords, enable multi-factor authentication, and promptly report any suspicious activity related to credit card transactions.
In the event of a dispute related to credit card transactions, members should contact us immediately. We will make reasonable efforts to address and resolve the dispute in a timely and fair manner, following applicable laws and regulations.
Amendments to the Policy
We reserve the right to modify or update this Policy at any time to reflect changes in technology, legal requirements, or business practices. Updated versions of the Policy will be posted on our Website, and it is the member’s responsibility to review the Policy periodically.
If you have any questions, concerns, or feedback regarding this Policy or credit card transactions on our Website, please contact us at [email protected] or by using the Contact Us form on the website.
By using our Website and engaging in credit card transactions, you acknowledge that you have read, understood, and agree to comply with this Policy. | finance |
http://www.time-makers.co.uk/insurance.php | 2013-05-25T10:57:54 | s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368705936437/warc/CC-MAIN-20130516120536-00094-ip-10-60-113-184.ec2.internal.warc.gz | 0.914541 | 263 | CC-MAIN-2013-20 | webtext-fineweb__CC-MAIN-2013-20__0__83575907 | en | If you only renew your car and home insurance every year without finding the best deal, then Time-Makers insurance search service is just for you.
Frequently, customers who only renew their policies each year are not getting the best price.
Did you know that comparison sites like Compare the Market.com only search a percentage of the market, or that major companies such as Direct Line and Aviva do not even appear on these sites? We know!
Our search will give you the three cheapest options to help you make a decision.
Simply contact us and we will send you an enquiry form to fill in with your details or you can call us on 01928 725398 and we will collect your renewal notice and work from that.
Car Insurance: £25
Searches 175 companies and brokers including Direct Line and Aviva.
House & Contents Insurance: £30
Searches 105 companies and brokers including Direct Line and Aviva.
Time-Makers also search Holiday, Pet and Mobile Phone Insurance. To find out how we can save you money, call us today on 01928 725398.
We promise that if we can’t save you money on your insurance quote then Time-Makers won’t charge you a penny! | finance |
https://www.cavershambooksellers.com/search/1459416562 | 2022-05-27T02:17:13 | s3://commoncrawl/crawl-data/CC-MAIN-2022-21/segments/1652662631064.64/warc/CC-MAIN-20220527015812-20220527045812-00630.warc.gz | 0.939536 | 1,183 | CC-MAIN-2022-21 | webtext-fineweb__CC-MAIN-2022-21__0__231363418 | en | Canada is a rich country getting richer. But over the past 20 years, a huge portion of the country’s wealth increase has gone to a small handful of the super-rich. Canada’s one per cent have seen their share of Canada’s wealth grow by almost six times since 1999 to $2,203,000,000,000 USD today. Meanwhile, half of all Canadian families experience income insecurity and can’t get the support they need from ever-shrinking public services.
Canada’s super-rich gained $76 billion during the 12 months after COVID-19 hit. Canadians are ready for measures that would distribute wealth more fairly, and give governments the funds to pay for pharmacare, improve long-term care, take serious climate action, implement paid sick leave and more. But the Liberal government took no serious measures in its 2021 budget to tackle this issue.
Policy experts Jonathan Gauvin and Angella MacEwen show exactly how Canada’s wealth can be more fairly shared with measures that would impact only the one per cent: a wealth tax, higher taxes on the highest incomes, higher taxes on large corporations and higher taxes on big profits coming from capital gains. They also propose measures to shut down tax loopholes and tax havens and to tax web giants. This book shows how we can share the wealth so everyone will be better off — even the richest.
"Their text is clear, chock full of the latest statistical data, and carefully pitched to a general audience."
— John Cruickshank, Literary Review of Canada
“With wealth concentration reaching staggering levels in Canada, polls show broad support for a wealth tax but lots of opposition from the elite. This easy-to-read book explains why. Share the Wealth makes a compelling and convincing case that Canadians would benefit enormously from an end to ‘wealth hoarding’ in Canada.”
— Linda McQuaig, author of The Sport & Prey of Capitalists
“How will governments raise revenues to pay for improved public goods and services in a post-COVID economy? There is a broad policy consensus that a more sustainable, resilient and inclusive economy will require a more progressive approach to income and wealth taxes. Gauvin and MacEwen have done an excellent job summarizing the literature and arguments. Read this book.”
— Kevin Page, President of the Institute of Fiscal Studies and Democracy, University of Ottawa, former Parliamentary Budget Officer of Canada
“Gauvin and MacEwen believe that we do not have to live in a Canada where those at the top get growing incomes, and lower taxes, while everyone else puts up with income stagnation and public service cuts. The inequality of COVID-19’s impacts only heightens the urgency of their proposals for fairer taxes and better policies. A book that deserves to be widely read.”
— Lars Osberg, Professor of Economics at Dalhousie University, author of The Age of Increasing Inequality, former president of the Canadian Economics Association
“A splendid book. The writing is lucid and precise and the thinking cogently persuasive. The authors show how a series of tax cuts favouring the rich and corporations by governments, from Jean Chrétien and Paul Martin to Stephen Harper, left us with great inequality and $50 billion a year short to fund needed social programs. Their analysis shows precisely how the tax system favours the rich at the expense of the rest of us. And they provide solutions!”
— Ed Broadbent, chair of the Broadbent Institute and former leader of the NDP
“Angella MacEwen and Jonathan Gauvin pool their considerable knowledge into a well-researched and logical argument in favour of a wealth tax and other fiscal tools to reduce inequality. Their book is a timely exploration of the most troubling economic fallout of the pandemic, tackling myths and proposing solutions with rigour.”
— Heather Scoffield, Toronto Star economics columnist and Ottawa Bureau Chief
“Share the Wealth details the consequences of inequality and shreds common propaganda against wealth and corporate taxes in this accessible guide on why these taxes are necessary—urgent, even, especially in the shadow of COVID-19—to transform Canada into a healthier, kinder, and fairer nation.”
— Meghan Bell, author of “I'm Part of the 0.1 Percent and I Want a Wealth Tax” in The Walrus
“In Share the Wealth, authors Gauvin and MacEwen...envision a more just future offering specific, clearly articulated policy proposals to help us (re)learn how to share our wealth. This is very much the right book for this moment in Canadian history.”
— Daniel Hoyer, member of Resource Movement
About the Authors:
Jonathan Gauvin has been the federal NDP’s Director of Policy since December 2017 and contributed to the drafting of the NDP’s election platform in 2019. Prior to that, he was an issue coordinator in the NDP leader’s office. He holds degrees from the University of Ottawa and l’Université Laval. He’s a political buff who deeply wishes to build a better world for everyone, especially his two children. He lives in Gatineau, Quebec.
Angella MacEwen is a senior economist with the Canadian Union of Public Employees (CUPE), a policy fellow with the Broadbent Institute and was an NDP candidate in the 2019 federal election. Angella writes a quarterly publication with CUPE, Economy at Work, which examines fiscal and social policy for workers. She holds a MA in Economics from Dalhousie University. She lives in Ottawa, Ontario. | finance |
https://www.jon-kingsbury.com/2010/05/05/home-insulation-is-it-worth-the-cost/ | 2018-10-18T06:41:02 | s3://commoncrawl/crawl-data/CC-MAIN-2018-43/segments/1539583511744.53/warc/CC-MAIN-20181018063902-20181018085402-00088.warc.gz | 0.98279 | 384 | CC-MAIN-2018-43 | webtext-fineweb__CC-MAIN-2018-43__0__158961952 | en | A friend of mine had his house fully insulated last year for cheap money (after rebates and tax credits) and saved quite a bit on his heating bills. At this time the state is willing to pay 75% (up to $2,500) of the costs. So today I had an energy home assessment and I must say, this was well worth it.
At first I was a little worried about having to come up with a lot of money up front, however that was not the case. Mildred was very helpful and she even replaced all of my old bulbs with high-efficiency bulbs at no cost to me. She installed new installation on all of my exterior doors at no cost. So far, she has saved me quite a lot of money on hardware and future utility bills.
After she measured and evaluated my current energy plan, she estimated that it would cost $2281.60 to insulate my entire house. Since “Mass Save” will pay 75% of the costs up to $2,500, that leaves me with a bill of 25% or $570.40.. not too bad. Not only that, when it comes time to do your taxes, you can write off your cost (after rebates) on your taxes and the Government will refund you 30%. So 30% of $570.40 is $171.12. All-in-all, this will only cost me $399.28 to insulate my entire house!
After her energy assessment, the estimated annual savings on heating/cooling bills are $451.84/year. Literally, it will take less than 1 year to make up the difference, which is well worth it.
So if you live in Massachusetts, I would highly recommend that you take advantage of the current energy tax credits and rebates. You will save yourself a lot of money in the long run! | finance |
https://coinsme.biz/5-best-cryptocurrency-trading-apps-for-2020/ | 2020-10-29T20:40:20 | s3://commoncrawl/crawl-data/CC-MAIN-2020-45/segments/1603107905777.48/warc/CC-MAIN-20201029184716-20201029214716-00074.warc.gz | 0.935492 | 770 | CC-MAIN-2020-45 | webtext-fineweb__CC-MAIN-2020-45__0__12388017 | en | Notwithstanding the widespread criticism about the notorious volatility of cryptocurrencies, these continue to gain in popularity. No surprises then why more and more first-time investors are slowly taking baby steps into the crypto world. For these investors, crypto trading apps can be a huge help allowing them to conduct their initial trades smoothly. Visit https://bitcoinupapp.com/ to go through an authentic review of an automated bitcoin trading app. Here are some of the best-known crypto trading apps today:
- Coinbase Trading App: Coinbase is unarguably one of the biggest and most reliable cryptocurrency exchanges out there and it has come out with a feature-rich trading app that can be linked to your bank accounts directly. So, the app features like credit and debit card payments, SEPA transfers, etc. You will find this app supported in multiple countries and the app in turn supports multiple cryptocurrencies like Ethereum, Bitcoin, ZEC, BCH, Litecoin, etc. You can use features like instant price alerts, auto-buying, insured BTC deposits, etc for building a strong portfolio. Coinbase is also one of the most rusted crypto platforms today because of its high-end security provisions that safeguard nearly 98% of digital assets stored in offline wallets and servers. The dashboard is user-friendly, displaying real-time prices of assets.
- KuCoin Trading App: This is a relatively new exchange which started operations in 2017. Since then it has been performing without glitches and has gained much popularity as a result. It is an established name in the crypto world and buying your preferred crypto assets using credit cards is a cakewalk here. It provides easy navigability, a manageable user interface and is perfect for even first-timers without any prior expertise in handling crypto trading apps. The KuCoin app offers exciting features like real-time market analysis, price alerts, candlestick charts, etc for better portfolio management. There is a multi-layer security mechanism offering 2FA, instant login alerts, and anti-phishing safety phrases. KuCoin also boasts of round-the-clock assistance and customer service superior to its competitors.
- Binance Trading App: Binance is one of the leading crypto exchanges today and is a Malta-based trading platform available as apps for both Android and iOS operating systems. Besides the Bitcoin and Binance Coin or BNB, its own homegrown coin, it also supports multiple altcoins. The app is feature-rich and supports futures trading and XRP margin trading. You can benefit from its trading tools, alerts, and charts and create a healthy portfolio. It offers multiple wallet options and an overwhelming number of crypto coins.
- Gate.io Trading App: This app is the product of a US-based exchange and has attracted traders because of its simplistically-designed user interface. It can cater equally to amateur and professional traders, offering simple trading tools for beginners, and advanced functionalities for the professionals. There are stop loss order, limit order, buy-and-sell order functions, price alerts, on-chain activity alert; the app also supports margin trading, lending and storing of crypto coins. It offers a multi-language UI, real-time charts, ticker alerts, forked coins of various cryptocurrencies, instant deposits and withdrawals, multi-mode customer support, etc.
- CEX.io Trading App: This began as an exchange in 2013 and is one of the oldest in the crypto world. It has a mobile trading app that offers a satisfying user experience and works with all devices. It supports prime cryptocurrencies and fiat ones like EUR, GBP, and USD. You can benefit from its user-friendly interface, real-time market data, instant purchase, order history, limit orders, instant deposits and withdrawal features etc. You can count on 24×7 customer support. | finance |
https://nussbaumspeir.com/the-sba-addresses-religious-liberty-concerns-around-coronavirus-related-government-aid/ | 2022-12-03T10:05:04 | s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710926.23/warc/CC-MAIN-20221203075717-20221203105717-00552.warc.gz | 0.946952 | 1,015 | CC-MAIN-2022-49 | webtext-fineweb__CC-MAIN-2022-49__0__146176591 | en | Article written by Ian Speir
On April 1 last week, we cautioned religious organizations about accepting coronavirus-related government aid, such as Paycheck Protection Program (PPP) loans under the CARES Act or Economic Injury Disaster Loans (EIDL), both administered by the Small Business Administration (SBA). We were concerned that such aid would impose or enhance federal nondiscrimination mandates on churches and ministries, especially since recent legal trends have favored a broad construction of these mandates and a narrow compass for their religious exemptions.
On Friday night, April 3, the SBA issued guidance that clarifies some of these religious liberty concerns. The guidance, in the form of “Frequently Asked Questions” or “FAQ,” offers some assurance that accepting PPP or EIDL loans doesn’t jeopardize an organization’s religious identity and values.
Religious freedom retained: The FAQ says that religious organizations do not give up their religious autonomy or First Amendment rights by accepting a PPP or EIDL loan. In its broadest, most liberty-friendly statement, the FAQ notes, “[A] faith-based organization that receives a loan will retain its independence, autonomy, right of expression, religious character, and authority over its governance, and no faith-based organization will be excluded from receiving funding because leadership with, membership in, or employment by that organization is limited to persons who share its religious faith and practice” (p.2).
Time-limited obligations: The FAQ confirms that accepting a PPP or EIDL loan “constitutes Federal financial assistance and carries with it the application of certain nondiscrimination obligations” (p.2). But according to the FAQ, those obligations “are not permanent, and once the loan is paid or forgiven, those nondiscrimination obligations will no longer apply.” So, if a religious organization becomes subject to new mandates as a result of taking federal aid, those mandates apply only to the time period of the loan. Recipients can limit their legal exposure by repaying or obtaining forgiveness of the loan as quickly as possible.
No additional restrictions on use of loan funds: Prior to the above clarification, we had some concern that using SBA loan proceeds for expenses related to long-term assets – like rent payments or mortgage interest for real estate – might impose long-term federal obligations tied to those assets. The FAQ eliminates that concern. It also makes clear that religious organizations can use loan proceeds “to pay the salaries of ministers and other staff engaged in the religious mission” (p.2). Of course, more general restrictions – such as no loan forgiveness for non-payroll expenses that exceed 25% of the total loan amount – continue to apply.
These are welcome clarifications from the SBA. But churches and ministries should still keep a few things in mind:
The FAQ is not a regulation. This means it carries less legal weight than a regulation. Courts tend to defer to agency interpretations in formally issued regulations. They tend not to defer when agency guidance is less formal, like this FAQ. (By way of contrast, also on Friday night, the SBA issued a regulation called an Interim Final Rule (IFR) that addresses how the SBA’s affiliation rules apply in ecclesiastical contexts, such as the relationship between a diocese and its parishes. This IFR will be accorded more judicial deference than the FAQ.)
Narrow interpretation of the religious exemption: As the FAQ highlights, the SBA’s nondiscrimination rules, similar to Title VII, contain an exemption permitting a religious organization to employ “individuals of a particular religion to perform work connected with [the organization’s] religious activities.” 13 C.F.R. § 113.3-1(h). This exemption ought to permit religious organizations to select employees who share their religious beliefs and practices. But some courts have interpreted the exemption more narrowly to prohibit employment policies that discriminate on the basis of sex. And the term “sex” not only means male-female differences and pregnancy; it also may include sexual orientation, gender identity, and reproductive health decisions like abortion, contraception, and infertility treatments. This is an area where the law remains in considerable flux.
State law mandates: The FAQ does not (and cannot) resolve how state laws may apply to recipients of government aid. But the FAQ supplies a good basis to argue that any state law mandates should likewise apply, if at all, only to the time period for which a PPP or EIDL loan remains outstanding.
We emphasize again that every organization must decide for itself whether it’s wise to accept the government’s assistance amidst the unprecedented crisis brought on by the COVID-19 pandemic. And every situation is different, so consult with legal counsel for advice in your particular circumstances. | finance |
https://swipe-tech.com/en/clover-go | 2024-03-03T00:49:00 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476137.72/warc/CC-MAIN-20240302215752-20240303005752-00601.warc.gz | 0.923079 | 204 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__179744553 | en | Benefits for Business
Clover® Go, you can securely and reliably accept both credit and debit cards – including EMV® chip cards –right from your personal smartphone or tablet. And it comes with clear, intuitive reporting on sales activity, along with powerful insights to help your business grow.
Ready right out of the box. Just charge, plug in and use with your iOS or Android device.
All you need, at your fingertips with custom tip and tax rates, permissions for employees, transaction history and the ability to email or text receipts.
Goes where your business takes you, flexibly accepting both EMV® chip and ‘swipe’ card payments.
EMV® chip cards help reduce fraudulent activity, and your transactions are backed with CloverTM Security data protection.
Clover® dashboard features and useful Insighticsdata that helps you see how your business compares to businesses like yours, and manage your business.
24×7 care and support are there when you need them. | finance |
https://safehavenorphanage.org/support-us/ | 2023-12-01T17:02:55 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100290.24/warc/CC-MAIN-20231201151933-20231201181933-00624.warc.gz | 0.932159 | 676 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__176597921 | en | We greatly value your support and rely solely on personal donations made by generous donors to run the orphanage. Every contribution helps and is hugely appreciated. It only costs a relatively small amount of money per month to feed and clothe the children, as well as pay for their education. The other main costs of running the orphanage go on things like building repairs, prevention of Malaria and other diseases prevalent in the area, and general hospital bills and medical treatment.
Option 1: Donate online with PayPal or credit/debit card – our preferred option
You can now donate online using your PayPal account or credit/debit card – to do this, please click on the ‘Donate‘ button on the left. PayPal charges a fee of 3.4% of the donated amount + $0.30 per transaction. On top of that they also charge another 2.5% on the currently listed exchange rate when doing the currency conversion. Therefore, if you are wanting to donate larger amounts, please consider using one of the other donation options listed below which may be more economical.
Option 2: Donate by bank transfer/wire transfer
Wire Transfer will cost approximately $40 USD and can be sent to:
Bank: BANGKOK BANK
Branch: Mae Sot
Account Number: 960-0-04411-0
Account Name: Safe Haven Orphanage
Swift Code: BKKBTHBK
Option 3: Donate by check/cheque
Please make checks/cheques payable to Tasanee Keereepraneed and send to:
32/15 Mae Sot – Mae Tao Road,
Mae Sot, Tak
Please note: We only prefer checks/cheques for amounts of greater than $400 USD. The banks usually charge $10 – $15 USD for international checks/cheques and take approximately 1 month (sometimes longer) to clear.
For smaller donations, please consider donating online using PayPal, credit or debit card.
How far your gift goes
- $6 USD buys one case of milk.
- $30 USD buys 45kg (100 pounds) of high grade, nutritious rice – always needed.
- $50 USD buys enough fruit/vegetables to feed 60 children for a week.
- $600 USD sponsors a child to attend the local Thai public school including transportation, uniforms, school materials and tuition for one year
Donate other things
In regards to sending things to the children, we appreciate your good intentions and we understand that sending items has more of a ‘feel good’ factor to it than just sending money which may seem more impersonal, but just a few things to keep in mind:
- Depending on the size of the packages being sent, postal costs can be quite high and that money could be better spent on actual items for the children.
- In many instances, items such as clothing, school stationery, toiletries, food etc… can be purchased locally much cheaper than in the west.
- We have had problems in the past with donated items being held by customs in Thailand. The process seems to be quite random and even though we are a legally registered charity in Thailand we’ve still ended up paying large amounts of money to have donated items released. | finance |
https://thetechdollar.com/ways-to-make-extra-money | 2024-04-13T00:02:37 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816465.91/warc/CC-MAIN-20240412225756-20240413015756-00406.warc.gz | 0.953428 | 2,599 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__60227069 | en | Growing your finances is no doubt why the majority of readers come to The Tech Dollar for ideas. Earning extra money is vital these days because situations can change as we’ve seen at a moments notice.
Whether it's making a little extra spending money or making life changing money, growing financially in every way possible is always beneficial.
Rather than having to wait for the next check you can take matters into your own hands by making extra money through some of the suggestions from this post.
1. Paid Online Surveys
Many people don't know that the most popular survey companies like Survey Junkie, InboxDollars, and Swagbucks actually pay people for their honest opinions. These paid surveys help influence new products that are released to the public.
This is a quick and easy way to earn an extra $50 this month. You can pick your favorite survey company or you can try them all.
Other Survey Companies:
- Vindale Research
- Pinecone Research
- American Consumer Opinion
- Panda Research
- Opinion Outpost
- Survey Club
- Product Report Card
2. Start a Blog
Blogging is something that can change your life if you take it seriously. It requires time and effort but the payout can mean financial freedom.
You can make a simple blog using WordPress and set up webhosting with a service like bluehost for cheap. Many bloggers make 5 - 6 figures each month!
3. Photo Editing
Whether you're doing simple tweaks of images or full on high end beauty retouching, there is a lot of money to be made in the photo editing world.
Every magazine you see has someone who retouched those photos and is most likely earning a good income doing so. It's a great way to earn extra money.
4. Freelance Writing
If you love writing then becoming a freelance writer is an option. For the millions of blogs online there needs to be good writers to push out quality content.
This is something you can turn into a full on business with blogs that continuously come to you for your services. You can even write for large companies and find yourself on the front page of Yahoo.
Postmates is a popular delivery app that not only can get you paid to bring food to people, but you can get paid to deliver whatever they may need. This can be a perfect side hustle.
Earn extra money by being a Lyft driver. Lyft is a competitor of Uber and is preferred by some people. They both do the same things which offer rides to people. Be sure to smile in order to receive the biggest tips.
7. Pet Sitter
Using Rover, whether you are a teenager in highschool or an adult who just wants to make extra money, pet sitting is always a great option. Not everyone has time to always be with their pet, so they will pay you for it.
You can establish regular customers and there are many pet sitters who make a full-time income from this creative side hustle.
Do you have a skill? And I mean any skill. You can make extra money through being a consultant and sharing your knowledge in whatever area of expertise you have.
You can set up a simple website with SquareSpace and begin consulting easily. Charge according to the demand and watch the clients roll in.
9. Playing Mobile Games for Cash
If you download AppStation you can actually earn cash from playing mobile games. This is great if your on a long trip and you have some free time to spare.
10. Sell Promotional Webpages
You don't have to be a computer genius to build simple websites with HTML and CSS. You can learn these skills in a couple of weeks and make extra money selling promotional websites for local business.
Udemy is a popular app where you can make extra money selling courses online. From teaching people how to draw to teaching them trigonometry, the options are endless for online classes using Udemy.
Make extra money with Instacart to do peoples grocery shopping for them. This is incredibly in demand because it is something that we all need but not something that everyone enjoys doing. So why not get paid for it?
DoorDash is another popular food delivery app. You can pick your hours and use a car, bike, or even walk as long as you deliver the food in a timely manner.
14. Video Editing
With content creation becoming more popular you can make extra money by editing videos. Many youtubers are very popular and don't have the time to edit their own videos. This is the perfect opportunity for you to earn cash.
15. Sell Meals
If you're great in the kitchen, this skill is an instant money maker. Set up a social media account and show off your meals, then begin to take orders throughout the day. Some people cook for fun and by doing this you can make money at the same time.
Are you the type who can fix anything? You are extremely valuable in today's time because people hate doing things by themselves or they just don't know how. Being a versatile handyman is an excellent way to make extra money. You can even turn it into a full blown business.
17. Tour Guide
If you live in an area that has a ton of tourism you can make extra money by showing out of towners around your beautiful city. You can offer them a unique experience that they otherwise would not have had. You can meet new people while making cash at the same time.
18. Become an Au Pair/babysitter
An Au Pair or international babysitter gets paid to watch children. Many times this job will take you to new countries and it's all paid for. If you want to see the world and make extra money give this a try.
Make extra money editing anything from blog posts, books, magazines, and much more. This is a necessary task that many don't want to do so take advantage.
20. Virtual Assistant
A virtual assistant gets paid to basically do anything that a company needs them to do. This job is often online and you have constant communication with your employer.
21. Garage Sale
Make extra money using garage sales. Sale old clothes, games, furniture, art, and anything else you want to make money off of.
22. Sell E-books
If you don't feel like writing an entire book, why not write e-books. You can write about any subject that is valuable to your readers. If promoted correctly you can make a lot of money from online e-books.
23. Sell Clothes
If you’re not using old clothing don't let them go to waste. Clean them and sell them while you still can to make extra money.
Photography is a hobby for many but it can quickly become a profitable side hustle. You can make thousands from shooting weddings and gatherings. The possibilities are endless for a good photographer.
25. Browse the internet
You can earn money just by surfing the web using Swagbucks. Use their browser extension on your computer and start to make extra cash easily.
26. Earn Online Rewards
Use InboxDollars to stack up rewards and then redeem them when you earn enough to gain different prizes and cash.
27. Graphic Designer
If you're good at graphic art and know how to use tools like photoshop you can make extra money as a graphic designer and work remotely from anywhere in the world.
Animated series need great artists/illustrators. This can be a great freelance gig for those who are gifted artists.
29. Sell Logos
Using programs like Photoshop and Illustrator you can make logos for companies and do branding. This is easy once you get used to it. You can easily make 10 logos in a day and if you charge $100 each…. I'll let you do the math.
30. Run Facebook Ads
Marketing is essential in running a successful business. You can use this skill to run facebook ads for companies and websites to help them gain sales and traffic.
Read electronic or other forms of publications to find and correct production errors of text or art. Proofreading is the final step in the editorial cycle.
32. Social Media Manager
There are businesses who are on multiple social media platforms and they need someone to manage these and to make frequent posts. This is great for extra money.
If you really have a love for writing, story telling, or giving awesome advice you should consider becoming an author. A best selling author can make tons of money.
34. Renting Your Car
Make extra money by renting your car with an app like Turo. If you have more than one car this is an ideal way to start a side hustle.
Become an online tutor to make extra money. There are many websites where you can sign up to teach kids or anyone else new skills and help them to grasp concepts.
36. Data Entry
There are companies with tons of data and they just need someone to enter it into a computer since they don't want to do it. If you like computers this can be a great way to make extra money.
Make money dropshipping by selling goods without the need to keep your own inventory of items. Simply send them straight from the manufacturer to your customer.
38. Start a Podcast
If you like to talk about interesting subjects you can make extra money with a podcast. Just make sure to have a decent microphone and your good to go.
Content creation is becoming one of the best ways people are making money these days. Creating a youtube channel is perfect for this. If you're interested and want to speak to the world about your life, give youtube a try.
Earn extra money by keeping track of expenses for businesses. This is important for tax reasons and you can earn a good income from bookkeeping.
Do you have a lot of money just sitting around not being useful? You can invest your money to help it grow. There are many apps that can invest your money automatically for you.
42. Pet Grooming
Make extra money by washing other people's pets. If you're a pet lover this is a valuable side hustle to start.
Good barbers are hard to find and once people trust you, they can be your customer for life. People take their haircuts seriously and will pay you to help them look good. You can also make great money off tips.
44. Sell Art
Earn extra money from selling paintings and other art pieces. With a reputation you can make thousands from selling your art.
45. Personal Trainer
Help people get in the best shape of their lives by becoming a personal trainer. You can do this job from anywhere in the world. People always need a good trainer.
46. Motivational Speaker
There are people who need advice and motivation to reach their goals and dreams. You can encourage them by becoming a motivational speaker. Make extra money to speak to small or large crowds.
47. Home Cleaner
There are people with huge homes and they need them cleaned regularly. With a couple of clients you can establish a cleaning business to make extra money.
48. Maintain lawns and Gardens
Maintaining peoples grass and gardens is a needed job. Start your own lawn mowing business and make extra money.
49. House Sit
Some people want their house guarded when they are out of town. They may need you to watch their pets and make sure nobody tries to come into their home when they are gone.
50. Hair Stylist
Most people, especially women, take their hair styles very seriously and will pay big bucks for a reliable hair stylist so take advantage of this to make extra money.
Always New Ways To Make Extra Money
If you're finding it hard to make extra money with a side hustle don't give up. Hopefully this list was able to help you see some of the things you can do.
Look at all the skills you have and put them to good use. Everyone has unique talents about them. It's just time to monetize what makes you unique.
Join our community of like minded goal seekers | finance |
https://www.1linetech.com/technology-news/carpenter-technologys-earnings-disappoint-analysts-berks-regional-news-wfmz-allentown/ | 2020-04-06T04:09:43 | s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585371618784.58/warc/CC-MAIN-20200406035448-20200406065948-00262.warc.gz | 0.946162 | 1,030 | CC-MAIN-2020-16 | webtext-fineweb__CC-MAIN-2020-16__0__25646234 | en | PHILADELPHIA – More than most people, stock analysts don’t like surprises. So, when Carpenter Technology, which has several manufacturing facilities in Berks County, missed stock analysts’ fiscal 2020 second quarter earnings projections by $0.04 per share, Wall Street wasn’t happy.
The stock was down 3.40% at the end of Thursday’s trading on the New York Stock Exchange.
More trouble could be ahead. Carpenter is a supplier for the grounded Boeing 737 MAX.
“In the near-term, we are actively evaluating and executing on opportunities to mitigate the impact of the Boeing 737 MAX supply chain disruption,” said Tony Thene, Carpenter’s president and CEO. “We believe we can partially mitigate the impact to our business through our broad sub-market participation and by leveraging our diverse portfolio of leading applications across other attractive end-use markets.”
Although stock analysts are upset, management should be largely pleased. Net sales for the second quarter of fiscal year 2020 increased to $573 million compared with $556.5 million in the second quarter of fiscal year 2019, an increase of $16.5 million, or 3%, on 7% lower volume.
Operating income was $55 million in the second quarter, compared to $59.8 million in the first quarter and $55.4 million in the second quarter of fiscal 2019.
Net income for the fiscal second quarter was $38.8 million, compared to $35.5 million the previous year. Diluted earnings per share (EPS) were $0.79 in the quarter compared to $0.73 in the second quarter of fiscal 2019.
“Our second quarter results reflect a continuation of our consistent year-over-year earnings growth, backlog expansion and record operating performance at SAO,” said Thene. “Operating income at SAO (specialty alloys operations) reached its highest level on record as we continue to drive a richer product mix by prioritizing higher-value solutions across our end-use markets. In addition, customer activity at our Athens facility remains high and we received four vendor approved process (VAP) approvals this quarter.”
The second quarter marked our 12th consecutive quarter of year-over-year sales growth and backlog growth.”
Business segment results
Carpenter has two reportable segments, specialty alloys operations (SAO) and performance engineered products (PEP).
The SAO segment is comprised of Carpenter’s major premium alloy and stainless steel manufacturing operations. This includes operations performed at mills primarily in Reading and Latrobe, Pennsylvania, and surrounding areas, as well as South Carolina and Alabama.
In the fiscal second quarter, SAO sold 56,564 pounds of product. Net sales were $483 million in the quarter compared to $461.6 million the previous year. Operating income for SAO in the quarter was $76.3 million compared to $69.0 million in fiscal 2019 second quarter.
The PEP segment is comprised of the company’s differentiated operations. This segment includes the Dynamet titanium business, the Carpenter powder products (CPP) business, the Amega West business, the Carpenter additive business and the Latrobe and Mexico distribution businesses. The businesses in the PEP segment are managed with an entrepreneurial structure to promote flexibility and agility to quickly respond to market dynamics.
In the fiscal second quarter, PEP sold 3,424 pounds of product. Net sales were $106 million in the quarter, compared to $112.9 million the previous year. Operating income for PEP in the quarter was $0.4 million compared to $4.4 million in fiscal 2019 second quarter.
End-use market results
“We generated double-digit year-over-year revenue growth in the aerospace and defense end-use market as our leading solutions, sub-market diversity, and participation on practically all major industry platforms continue to drive strong performance,” Thene commented. “In addition, sales in the medical end-use market increased double digits compared to last year as demand for our high-value solutions remains high.”
Aerospace and defense net sales grew from $234.1 million in fiscal 2019 second quarter to $278.8 million this quarter. Medical and transportation net sales also grew in the quarter, from $38.4 million to $43.5 million and from $29.4 million to $30.6 million, respectively.
“Longer-term,” Thene said, “we continue to place strategic emphasis on advancing our leadership in emerging technologies and best positioning Carpenter Technology for sustainable growth. We recently opened our Emerging Technology Center on our Athens campus and customer collaborations around additive manufacturing are accelerating. The construction of our hot strip mill on our Reading campus remains on target and will enable us to further capitalize on our soft magnetics solutions portfolio and the anticipated growth associated with expanding electrification initiatives across multiple markets.” | finance |
http://epsilonhi.com/ | 2022-01-20T22:12:58 | s3://commoncrawl/crawl-data/CC-MAIN-2022-05/segments/1642320302706.62/warc/CC-MAIN-20220120220649-20220121010649-00306.warc.gz | 0.967805 | 241 | CC-MAIN-2022-05 | webtext-fineweb__CC-MAIN-2022-05__0__145519220 | en | Epsilon Health Investors is a healthcare-focused strategic investor, supported by and organized for a consortium of five leading regional not-for-profit health systems, working collaboratively to identify, validate, invest in, and grow innovative healthcare companies.
We invest in companies at a range of maturities in areas of need for our member systems.
Our member systems are actively involved at every step of the investment process. Member systems help source and diligence investments, guide investment decisions, and may pilot products. Ultimately, members look to support portfolio growth as mentors, advisors, and, where and as appropriate, potential customers.
Epsilon's investment focus is informed by the needs and pain points of our members. We take a thematic, bottoms up approach, focused on companies driving value for regional health systems.
We are most focused on businesses in the following sectors:
The Epsilon consortium is comprised of five leading regional not for profit healthcare systems.
The Epsilon team has deep healthcare sector experience as operators, investors, and policy makers.
The following are select companies with which members of the Epsilon team have been involved individually (as Board members and/or individual investors) | finance |
http://imlswebwise.chnm.gmu.edu/blog/speaker/kristin-mcdonough-2/ | 2019-03-21T01:11:52 | s3://commoncrawl/crawl-data/CC-MAIN-2019-13/segments/1552912202476.48/warc/CC-MAIN-20190321010720-20190321032720-00504.warc.gz | 0.934749 | 291 | CC-MAIN-2019-13 | webtext-fineweb__CC-MAIN-2019-13__0__138034129 | en | Kristin is director of The New York Public Library Science, Industry and Business Library (SIBL), which helps New Yorkers launch and expand small businesses (nypl.org/smallbiz). SIBL’s entrepreneurial support initiatives include the StartUP! Business Plan Competition, the Immigrant Business Connection, and Blueprint for Your Business Future, an educational and advisory program to teach succession planning to immigrant business owners.
SIBL’s Job Search Central provides entry-to-executive-level job seekers with free access to hands-on training, after-work seminars, career coaching, and networking events. Its Financial Literacy Central program has spawned a robust suite of offerings that has pushed financial education beyond the business library into neighborhood branches.
Before opening SIBL in 1996, McDonough served another great New York institution, the City University of New York (CUNY) for 25 years in diverse roles including assistant dean of the School of Education and Educational Services and chief librarian at the award-winning Newman Library at CUNY’s business school, Baruch College. As president of the Financial Women’s Association (FWA), Kristin spearheaded a Forge Your Future initiative with enhanced programming and resources for members in transition. Her volunteer service includes a stint on the STM advisory board of John Wiley Publishers and on the leadership team of Butterflies, USA, which raises funds to support street and working children in India. | finance |
https://globalwealthfinancialmarketsacademy.com/services/ | 2021-10-17T06:34:53 | s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585121.30/warc/CC-MAIN-20211017052025-20211017082025-00707.warc.gz | 0.942923 | 222 | CC-MAIN-2021-43 | webtext-fineweb__CC-MAIN-2021-43__0__188743720 | en | Trade involves the transfer of goods or services from one person or entity to another, often in exchange for money. Economists refer to a system or network that allows trade as a market. An early form of trade, the Gift economy, saw the exchange of goods and services without an explicit agreement for immediate or future rewards.
A binary option is a financial exotic option in which the payoff is either some fixed monetary amount or nothing at all. The two main types of binary options are the cash-or-nothing binary option and the asset-or-nothing binary option.
Entrepreneurship is the creation or extraction of value. With this definition, entrepreneurship is viewed as change, generally entailing risk beyond what is normally encountered in starting a business, which may include other values than simply economic ones.
Wealth building is the process of generating long-term income through multiple sources. This refers to more than job-based income and instead includes savings, investments, and any income-generating assets. The wealth building definition relies on proper financial planning and insight into one’s future financial goals. | finance |
https://www.schneiderind.com/services/sellers/ | 2021-07-30T13:20:25 | s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046153966.60/warc/CC-MAIN-20210730122926-20210730152926-00559.warc.gz | 0.918495 | 487 | CC-MAIN-2021-31 | webtext-fineweb__CC-MAIN-2021-31__0__106498255 | en | Schneider Industries will create a personalized asset management solution to maximize the value of your assets while minimizing your trouble and loss. All the while providing these services in a controlled, secure, and safe environment. Give us a call 314-863-7711.
Schneider Industries assists companies and individuals with surplus asset management, including sales, purchase, appraisal, inventory, marketing, removal, collections, transfers, and every aspect involved in the investment recovery program designed for your unique situation. We work with the Seller to create a specialized game plan that encompasses all the Seller’s needs.
Schneider Industries has a worldwide presence utilizing our operating offices and affiliates in the United States, Canada, Mexico, Brazil, Australia, England, Russia and Switzerland. We have created asset advisory plans and managed surplus equipment sales and subsequent plant removal/clean out activities for corporations such as General Mills, Anheuser-Busch InBev, Emerson Electric, Amoco, Energizer, Revlon, Dial Corporation, Thermadyne, Kraft, Grupo Herdez, Fresh Express, Takata, and many others. We solve companies’ surplus asset situations via auctions, negotiated and sealed bid sales.
See some of our services described below:
- Onsite and Online Sales- Auction events spur excitement, therefore, helping maximize the value of available assets through competitive bidding. Through an online bidding only auction event, buyers will be able to bid competitively from their computers.
- Private Treaty or Negotiated Sales – Individual assets, production lines or entire facilities can be offered for sale onto the global markets. The sale takes the form of discussion and negotiation between the buyer and the seller facilitated and undertaken by Schneider Industries.
- Sealed Bid Sales – For a sealed bid sale, we make an “Invitation for Bid,” or IFB, available to prospective buyers through the mail, by fax on demand, or via Internet. The IFB contains item descriptions, sale terms and conditions, item locations and inspection times, and a bid form. The winning buyer has the highest acceptable offer.
Each equipment, machinery and real estate sale includes inventorying all assets with detailed descriptions and photos; creation and implementation of the advertising campaign; negotiations and sales management with buyers; payment collections and reconciliations; management of equipment removal/checkout of buyers; and plant clean-up. | finance |
https://dr.tcnj.edu/handle/2900/1123 | 2022-09-30T03:41:22 | s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030335424.32/warc/CC-MAIN-20220930020521-20220930050521-00526.warc.gz | 0.799011 | 147 | CC-MAIN-2022-40 | webtext-fineweb__CC-MAIN-2022-40__0__5806939 | en | Understanding the economic impact of urban street grids: evidence from a natural experiment in Manhattan
MetadataShow full item record
Our project investigates the impact of rectangular street grids on urban economies using a natural experiment in Manhattan, New York. We collect original historical data on real estate transactions across two time periods (1880 and 1900) following the grid’s completion, but pre-dating zoning laws. Our preliminary results show a large increase in average real estate values in gridded areas, roughly 15-39% increase across specifications.
Department of Economics
File access restricted due to FERPA regulations | finance |
http://4bluecollarworkers.com/2021/06/07/reasons-to-hire-a-financial-advisor-instead-of-trying-to-do-it-all-yourself/ | 2023-10-04T16:53:22 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511386.54/warc/CC-MAIN-20231004152134-20231004182134-00803.warc.gz | 0.968775 | 448 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__50669894 | en | Today, it's easier than ever to go online and get all kinds of information about the latest mutual funds or other investment opportunities. Plenty of people use self-serve retail brokerages and apps to manage a portfolio by themselves. But while there are benefits sometimes to going it alone, there are certain situations where having a dedicated financial advisor you can sit down with in person might be a good idea. Here's why you might want to form such a relationship with someone today.
You Want a Comprehensive Plan to Reach a Specific Goal
Maybe you just had a kid and it's time to start thinking about saving for their college tuition. Maybe you are behind on your retirement savings and want to reassess your portfolio and set new targets going forward. Do you want to retire by a specific age? A financial advisor can discuss the details of whatever your most important goals are and help you pick a plan of action for going forward. It can also help to have positive reinforcement from someone that you are making the right choices as you continue to invest.
You Want to Form a Long-Term Plan for Your Business
You can hire a financial advisor for plenty of additional reasons beyond investing in the stock market. Do you have a new business and you want to make sure that you get started on the right foot? A financial advisor can look at your early balance sheet and make suggestions that will minimize risk and encourage growth. If your business has a surplus amount of cash, your financial advisor could help you earn interest while keeping the cash easily accessible for business emergencies.
It's Time to Start Planning Your End Game
You've done everything right over the last several decades, and you are quickly approaching the moment where you can retire and start cashing out. Keep in mind, though, that people today are living longer lives than ever before. That nest egg you've built up might have to last you a considerable number of years. Your advisor can help you game plan when you should start withdrawing from which fund, and they will keep you aware of what the tax ramifications are for each of your decisions. As you continue to age and your funds begin to deplete, your advisor can provide assurance that you will continue to be comfortable during your final years. | finance |
https://interiordesignmavericks.com/grow/interior-design-fee-structure-template/ | 2023-12-10T09:44:07 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679101779.95/warc/CC-MAIN-20231210092457-20231210122457-00603.warc.gz | 0.929306 | 775 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__245404570 | en | Interior design fee structures can seem daunting and complex. But they don’t have to be! In this article, we will outline the different types of interior design fee structures, and provide tips on how to calculate interior design project estimates. We’ll also provide a project cost estimation template to help get you started. So let’s get started!
Elements of an Interior Design Fee Structure
There are several different types of fees that can be included in an interior design fee structure. Here is a brief overview of each:
Hourly Rate: This is the most common type of fee charged by interior designers. An hourly rate allows you to charge for your time, and can be adjusted based on the scope of work.
Design Fees: Design fees are for the development of the design concept and plans. This can include things like space planning, furniture selection, and finishes.
Management Fees: Designers charge management fees for the coordination and management of a project. This can include project administration, site visits, and communication with contractors.
Procurement Fees: Procurement fees are charged for the purchase of materials and furnishings. This can include sourcing, ordering, and shipping.
Retainer: A retainer is a fee paid in advance to secure your services. Retainers are typically a percentage of the total project cost, and are paid in installments throughout the course of the project.
Reimbursable Fees: Reimbursable fees are expenses that are incurred on behalf of the client. This can include things like travel, shipping, and postage.
Late Fees: Late fees are charged for payments that are not received on time. Late fees are typically a percentage of the outstanding balance, and are assessed at the end of the project.
How to Calculate Interior Design Fees
There are several different methods that can be used to calculate interior design fees. The most common methods are flat fee, by the square foot, percentage of project costs, and hourly rate.
Flat Fee: A flat fee is a set price for the entire project. Flat fees can be based on the scope of work, or can be a lump sum payment.
By the Square Foot: This method is typically used for larger projects, such as new construction or major renovations. The fee is calculated based on the square footage of the project.
Percentage of Project Costs: This method is typically used for projects with a large budget. The fee is a percentage of the total project cost, and can be adjusted based on the scope of work.
Hourly Rate: This method is typically used for smaller projects, or for services that are not billable by the square foot. The hourly rate can be adjusted based on the scope of work.
Combination Method: This method is a combination of two or more of the above methods. The most common combination is flat fee + hourly rate.
Interior Design Fee Structure Template
Below is a template that you can use to create your own interior design fee structure.
Hourly Rate: __________
Design Fees: __________
Management Fees: __________
Procurement Fees: __________
Reimbursable Fees: __________
Late Fees: __________
Flat Fee: __________
By the Square Foot: __________
Percentage of Project Costs: __________
Hourly Rate: __________
Combination Method: __________
Here are 2 examples of interior design fee structures and the total costs:
The interior design fee structure doesn’t have to be complicated. By using a combination of the methods outlined above, you can create a fee structure that works for you and your clients. And, by using a template, you can make the process even easier. | finance |
https://ichl2011.com/e-learning-business-disrupts-the-status-quo-on-how-people-repair-improve-and-maintain-great-credit/ | 2022-08-17T16:30:12 | s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882573029.81/warc/CC-MAIN-20220817153027-20220817183027-00228.warc.gz | 0.934385 | 782 | CC-MAIN-2022-33 | webtext-fineweb__CC-MAIN-2022-33__0__150184420 | en | E-learning business disrupts the status quo on how people repair, improve, and maintain great credit
ATLANTA, GA / ACCESSWIRE / October 9, 2021 / Kenney Conwell is delighted to announce the launch of MyMoneyEDU, an online financial education platform. All-digital services are designed to revolutionize the way people repair, improve, and maintain their credit scores. MyMoneyEDU will help members lower taxes, increase cash flow and increase net worth by implementing their proven wealth management strategies.
MyMoneyEDU was created to fill a gap in the minority community, namely a lack of financial education and access to financial resources. The team streamlined their processes so that anyone who fits their programs well can participate without being limited by time or geography. In addition, all MyMoneyEDU products and services are readily available in digital format.
Members who join the MyMoneyEDU platform want time and financial independence, believing that the conventional American dream of going to school, finding a job, buying a house, and investing in a 401 (k ) is no longer the only way to earn wealth. The MyMoneyEDU team has identified four main areas where they can help users become first generation millionaires.
The online program teaches how 1) Use a cash flow management strategy to increase your personal income through a side business or home business. 2) Leverage the power of personal and business credit. 3) Use the stock market as a source of leverage. The easiest approach to making money is to INVEST in the stock market, either actively or passively. 4) Use tax planning to your advantage. It is important to distinguish between tax planning and tax preparation. Planning comes before preparation, and when done right, it can help you avoid paying too much tax (i.e. tax avoidance).
In addition to the four key areas of leverage, the online courses explain how good cash flow management can help individuals develop financial discipline. Increased cash flow is easier to achieve with good credit. More investment options are created by increased cash flow. The more money you make, the more crucial it is to have a good tax strategy. MyMoneyEDU guides clients through all the elements needed to achieve their financial dreams through their comprehensive financial system.
MyMoneyEDU is proud to provide a comprehensive online education platform that helps people improve their financial situation, increase their cash flow, and increase their net worth over time. Their entire system provides the financial clarity, accountability, and the freedom and flexibility to achieve desired results.
About MyMoneyEDU and Kenny Cromwell – Kenney Conwell, founder of MyMoneyEDU, graduated from North Carolina A&T State University in May 2009, with a degree in Interdisciplinary Studies with a Certificate in Entrepreneurship. As an entrepreneur, his mission is to educate, communicate and equip people who are just starting their journey with the tools they need to be successful. He founded MyMoneyEDU with the aim of helping 1,000,000 people achieve a score of 700 credits by 2029 or earlier so they can start the ERI (Entrepreneurship, Real Estate and Investing) process.
Conwell and his team are dedicated to providing the community with the tools, resources and knowledge necessary to achieve exceptional credit and financial success.
CONTACT: For interview opportunities or to find out more about registering for MyMoneyEDU
E-mail: [email protected]
THE SOURCE: MyMoneyEDU
See the source version on accesswire.com: | finance |
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