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http://kreatifman.blogspot.com/2013/05/bitcoin-comparison-of-mining-pools.html | 2017-05-23T06:47:57 | s3://commoncrawl/crawl-data/CC-MAIN-2017-22/segments/1495463607591.53/warc/CC-MAIN-20170523064440-20170523084440-00304.warc.gz | 0.933387 | 470 | CC-MAIN-2017-22 | webtext-fineweb__CC-MAIN-2017-22__0__133364783 | en | Comparison of mining pools
Reward types & explanation:
- DGM - Double Geometric Method. A hybrid between PPLNS and Geometric reward types that enables to operator to absorb some of the variance risk. Operator receives portion of payout on short rounds and returns it on longer rounds to normalize payments.
- Prop. - Proportional. When block is found, the reward is distributed among all workers proportionally to how much shares each of them has found.
- PPLNS - Pay Per Last N Shasres. Similar to proportional, but instead of looking at the number of shares in the round, instead looks at the last N shares, regardless of round boundaries.
- PPS - Pay Per Share. Each submitted share is worth certain amount of BC. Since finding a block requires <current difficulty> shares on average, a PPS method with 0% fee would be 25 BTC divided by <current difficulty>. It is risky for pool operators, hence the fee is highest.
- SMPPS - Shared Maximum Pay Per Share. Like Pay Per Share, but never pays more than the pool earns.
- ESMPPS - Equalized Shared Maximum Pay Per Share. Like SMPPS, but equalizes payments fairly among all those who are owed.
- RSMPPS - Recent Shared Maximum Pay Per Share. Like SMPPS, but system aims to prioritize the most recent miners first.
- CPPSRB - Capped Pay Per Share with Recent Backpay.
- POT - Pay On Target. A high variance PPS variant that pays on the difficulty of work retuened to pool rather than the difficulty of work served by pool
- Score - Score based system: a proportional reward, but weighed by time submitted. Each submitted share is worth more in the function of time t since start of current round. For each share score is updated by: score += exp(t/C). This makes later shares worth much more than earlier shares, thus the miner's score quickly diminishes when they stop mining on the pool. Rewards are calculated proportionally to scores (and not to shares). (at slush's pool C=300 seconds, and every hour scores are normalized)
Source : https://en.bitcoin.it/wiki/ | finance |
https://theheartlandusa.com/cityjet-set-land-deal-circles-stobart-air/ | 2024-04-18T23:11:59 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817249.26/warc/CC-MAIN-20240418222029-20240419012029-00059.warc.gz | 0.973652 | 719 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__113908636 | en | CITYJET is close to signing a new contract with a European airline in the next two weeks, as it drives towards a deal to buy rival Stobart Air.
Cityjet last year agreed a so-called wet lease agreement with the Scandinavian airline SAS, in which the Irish company supplies aircraft, complete crew, maintenance and insurance (ACMI).
The Irish airline now operates Bombardier aircraft on 42 routes out of Oslo and Helsinki airports on behalf of SAS. The company is to increase its capacity by 50% on the SAS services next year.
Executive chairman Pat Byrne refused to disclose the identity of the new customer, but said that it was also an ACMI deal. Byrne also declined to comment on progress on talks with Stobart Air, which will see Cityjet acquire the operator of the Aer Lingus Regional franchise.
A deal with the logistics company is believed to be imminent.
Cityjet reported losses of €9.9m last year, down from €30m the previous year. The company benefited from lower fuel and staff costs and significantly reduced charges related to the hiring in of aircraft to serve routes.
Byrne said that start-up costs related to the SAS wet lease contract, which also involved the takeover of Blue One, a SAS subsidiary, would lead to losses in the current year. However, the airline was projecting profits for 2017.
He said that the airline’s focus was now firmly on developing the ACMI model in Europe. Cityjet earned roughly 23% of its revenues from such contracts in 2015, with most revenue coming from scheduled services. Byrne said that the ACMI business was core to the future development of the airline and the target was to reach 70% of turnover in the medium term. He said that a large number of carriers across Europe were exploring wet lease deals on regional routes.
Recently filed accounts show that the airline was funded in the past two years by a $20m (€ 18m) loan facility from Triangle Aviation 451, a company connected to Falko, an aviation finance arm of the US investment fund Fortress.
Cityjet was acquired in May this year from Intro Aviation, a German private equity firm, by Cityjet Holdings, a Cayman Islands-registered company. The Cayman company injected $15m of equity into the airline in September.
It is understood that the parent company and a new Irish-registered shareholder invested further sums into the airline in recent weeks. If issued on the same terms as the September tranche, then the fresh fundraising would amount to a further $7.5m.
Byrne refused to divulge the identity of the beneficial owners of Cityjet Holdings, but said that they were all European investors. He personally held a “single-digit percentage” stake in the airline.
He said that Falko was not a shareholder. It provided advice and expertise on fleet acquisition, and would continue to access appropriate aircraft for future ACMI deals.
He said that the airline shareholders would continue to support further expansion through share issues, and that the company was projecting a stock market flotation within three to five years based on current growth potential.
Cityjet currently operates 26 aircraft up from 17 last year. It operates 17 British Aerospace Avro RJ jets, eight Bombardier CRJ 900 and three Russian Sukhoi jets. It will take delivery of a further four CRJ 900 jets in March to service SAS routes and five Sukhoi jets as part of a four-year plan to replace its Avro fleet. | finance |
https://www.heritage21.com.au/policy-reform/taxing-tourism-to-pay-for-cultural-built-heritage/ | 2023-12-02T06:08:59 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100327.70/warc/CC-MAIN-20231202042052-20231202072052-00319.warc.gz | 0.937833 | 1,471 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__143652212 | en | The World Bank (2010) writes that a good investment climate for tourism, underpinned by a sound tax regime, can play a central role in a government’s growth and development strategy. Yet in many countries, tax systems for the tourism sector are characterized by exemption schemes and instruments that generate little revenue and burden business. The three main issues facing policymakers dealing with tourism taxation are: fiscal incentives, sector-specific levies, and value-added tax (VAT). Such policy options are designed to encourage tourism investments while ensuring sustainable revenue collection. A good business environment for tourism is essential to support the industry’s central role in many countries’ development strategies. Investments in the sector, which has significant growth potential and can have important positive spillovers for the economy. Tourism is a complex industry of numerous subsectors. It is challenging to define exactly what constitutes a tourism product and how to tax it; tourism is not a single commodity, but rather a collection of many different goods and services provided by a wide range of suppliers. The tourism value chain encompasses a variety of different actors, including hotels, air carriers and transport companies, tour operators, travel agents, rental agencies, and countless suppliers from other sectors (World Bank, 2010).
Fig 1 – Tourism in Venice has reached astronomical proportions. Is the money earned by the local economy being taxed to pay for maintenance and upkeep of the buildings?
Everett (2017) writes that tourism has long been regarded as a vehicle of economic prosperity and source of increased revenue. It is one of the world’s largest industries with a global economic contribution of over US$7.6 trillion (£5.8 trillion). The United Nations World Tourism Organisation forecasts that by 2030, the number of international tourist arrivals will reach 1.8 billion. With one in ten jobs on the planet reliant on tourism (that’s 292m people) and an equivalent worth of 10% global GDP, there is little wonder that host communities want to make the most of the opportunities it brings.
Recently, the Malaysian Government introduced a tax on tourism. The tax, which was implemented in August 2017 is in the form of an extra charge on hotel and hostel accommodation, according to the Royal Malaysian Customs Department.
Tourists staying in non-rated accommodation are charged an extra amount per room per night; tourists booking stays in one, two and three- star hotels have to pay extra per room per night; four -star hotel guests are charged even more and those booking five-star accommodation have to pay additional premium sums per room per night. This is imposed on all visitors — both foreign tourists and Malaysian nationals — staying in accommodation for either leisure, religious, holiday or business purposes. Accommodation includes any premise registered by the Commissioner under the Tourism Industry Act 1992. This includes hotels, hostels, inns, and boarding houses. According to the Royal Malaysian Customs Department, the revenue earned from the tourism tax will “enhance” the experience for visitors to Malaysia. “The returns will be used to develop the tourism industry, namely the enhancement of tourism infrastructure and facilities as well as tourism promotional activities and campaigns for the country.” It will also be used to “protect, preserve and conserve” Malaysia’s environment, culture and heritage (news.com.au, 2017).
Fig 2 – Galleria in Milan, Italy – there is a partial tax on tourism in Italy, but are the funds adequately directed to the maintenance and upkeep of the heritage stock?
According to an Australian Government Business Tourism Fact Sheet – last Updated: 11 April 2018, the fact sheet provides an overview of the legal, operational and business issues relevant to the tourism industry group, but it does not mention tax.
In my opinion, it makes sense to tax the ever- burgeoning tourism industry to pay for the upkeep and maintenance of heritage buildings, conservation areas and specific heritage sites and museums. By implementing a hypothecated tax from which funds are directed to heritage buildings and museums, archaeological sites, conservation areas and rural and coastal heritage towns, necessary maintenance of such places can be funded. Because tourism covers businesses from a wide variety of industries that sell goods or provide services to visitors who have travelled from their usual place of residence (international or domestic), it would make sense to tax the following entities;
• tour operators (should be taxed)
• travel agents (should be taxed)
• short-term accommodation providers (should be taxed)
• recreation service providers (should be taxed)
• transport and hire service providers including air, rail, ferry and bus transport (should be taxed).
Fig 3 – No.1 Hickson Street, The Rocks – NSW, Australia. This is one of Australia’s major tourist destinations.
Heritage listing and heritage protection is ultimately a ‘public good’ driven by the broader community. As such there is a strong expectation in the community that all levels of government should accept a significant part of the responsibility to ensure that places of heritage value are conserved. That expectation extends not only to the regulatory side of listing and protection, but also to financial aid and assistance. In an environment with limited resources, regulation may appear attractive because it appears relatively ‘cost free’. Governments can simply ‘require someone to do something’. That may be the reason that regulation has traditionally been the predominant conservation tool in some countries, including Australia. However, an effective heritage system is founded on a balance of ‘sticks and carrots’. The lack of a meaningful level of ‘carrots’ undermines support from property owners for the system, makes regulation more difficult, and misses opportunities for garnering private investment (Making heritage happen, 2014).
Specifically, the purposes of heritage incentives are to:
• ensure that owners are not unduly disadvantaged by the constraints or extra expense that the regulatory system may impose;
• leverage private capital investment in conservation;
• generate additional conservation activity than would otherwise occur;
• counteract land use policies or other factors that threaten heritage places; and
• ensure that as far as possible a ‘level playing field’ exists between privately-owned heritage and the public interest
Paul Rappoport – Heritage 21
7 May 2018
• World Bank (Corthay, L. & Loeprick, J. (2010) Taxing Tourism in Developing Countries: Principles for Improving the Investment Climate Through Simple, Fair, and Transparent Taxation. Investment Climate in Practice; No. 14. World Bank, Washington, DC. © World Bank.
• Everett, S. (2017) Deputy Dean (Business School), Anglia Ruskin University
• News.com.au (2017) Tourists to pay more for accommodation in Malaysia with new tourism tax, June 8, 2017.
• Australian Government Tourism industry fact sheet – Updated: 11 April 2018
• Making Heritage Happen (2004) Incentives and Policy Tools for Conserving Our Historic Heritage, National Incentives Taskforce for the EPHC
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Having worked in the heritage space for the better part of thirty years, I have come to rely upon five…Read more | finance |
https://www.estudentspoint.com/link-aadhaar-pan-card.html | 2021-04-20T09:18:26 | s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618039388763.75/warc/CC-MAIN-20210420091336-20210420121336-00553.warc.gz | 0.885283 | 585 | CC-MAIN-2021-17 | webtext-fineweb__CC-MAIN-2021-17__0__199763405 | en | How To Link Your Aadhaar Card With PAN Card: Aadhaar is a 12 digit number issued by Unique Identification Authority of India (UIDAI), which contains all the information based on demographics and biometrics of a person. PAN is a ten-digit alphanumeric number issued by the Income-tax department is used to file the tax return. Recently, the government of India has made compulsory for all the taxpayers to link their Aadhaar card with PAN card for filing Income tax returns. The Government has stated, by linking Aadhaar card with PAN, it can tackle the fake PAN cards, keep an eye on taxable transactions of an individual or entity and remove corruption. You can link the both cards using online and SMS method or by visiting nearest service center by providing valid information.
Here Are The Simple Steps to Link Aadhar Card with PAN Card Using an Online Method
- Visit the website incometaxindiaefiling.gov.in and login with your details such as username, password and fill the captcha code and enter login.
- You can also link without Log in through this Link.
- Once you logged in, a pop-up window will appear telling you to link your Aadhaar card with PAN. If you don’t get the popup message then check the blue bar above and click on “profile setting” and then click on link Aadhaar in the list.
- Details such as name, date of birth will appear just check the details, if it matches with your Aadhaar card, if the details match, then fill your Aadhaar number and captcha code and click on the link of Aadhaar.
- Once you submitted, a popup message will appear informing you that Aadhaar card has been linked to your PAN card successfully. Also Check:
Linking Through the SMS
If you are experiencing heavy traffic and the content is taking too much time to load, you can opt to link your Aadhaar using the SMS method. You can link your Aadhaar card with PAN following these simple steps:
- Send SMS to 567678 or 56161 from your registered mobile number
- The message should be sent in the following format
- UIDPAN<space> <12 digit Aadhaar number><space><10 digit PAN>.
- For example – UIDPAN 123456741852 BKLM4124C.
- Visit the nearest service center or PAN service provider, NSDL or UTIITSC.
- You need to fill the form called Annexure-1 and attach your attesting documents.
- Fill the form and submit to the operator and pay the prescribed as per the service.
If you are using an online method and your name doesn’t match an OTP is sent to your registered mobile number. Enter the OTP and continue the process. It is advisable to check your data on both Aadhaar and PAN card before you trying to link the 2 numbers. | finance |
https://www.westchestergreenbusinesschallenge.org/tag/mortgage-broker/ | 2023-12-06T18:24:56 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100602.36/warc/CC-MAIN-20231206162528-20231206192528-00203.warc.gz | 0.96127 | 1,700 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__866136 | en | Boise Mortgage Companies provide home loans to help buyers buy a property. They may be banks, credit unions, or online lenders.
When choosing a lender, compare loan programs and terms like mortgage rates, interest rate APRs, upfront fees and closing costs. Also, consider how a lender treats credit-challenged borrowers. This can make a big difference in your mortgage experience.
If you’re shopping for a mortgage, it’s important to know that the credit score mortgage lenders use may be different from the scores you see in your personal finance apps or on your credit card statements. The reason for this is that mortgage lenders will typically pull a “tri-merge” report, which consists of credit reports from all three major bureaus – Experian, Equifax and TransUnion. These credit reports are then used to generate a “Qualifying Credit Score” for mortgage applicants.
What’s more, the credit scoring model used by your lender can also vary. While all of the credit scores produced by the bureaus come from the same company (FICO), different scoring models weigh factors differently. For example, the FICO 8 model is known for being more critical of high balances on revolving accounts. While this is a good thing for consumers, it can hurt mortgage borrowers whose credit utilization ratio is too high.
The scoring model used by your mortgage lender will be one of the most important factors in determining whether you’re approved for a loan and what kind of terms you can get. While it’s important to have a good credit score, you can still qualify for a mortgage even if your score isn’t great – just be prepared to put more money down or pay higher interest rates.
To determine your qualifying credit score, most mortgage lenders will take the middle score of the tri-merge report. The mortgage lender will then use that score throughout the mortgage process. This process differs from conventional mortgages backed by Fannie Mae, which use the median score of all borrowers on the loan application.
While you can request a copy of your credit report from each of the three major credit reporting agencies for free (due to the COVID-19 pandemic, you can only receive a report from one of the bureaus per year), most mortgage lenders will use the tri-merge report to determine your qualifying score. If you’re applying for a mortgage jointly with someone else, the mortgage lender will average the median score of all borrowers.
A down payment is an upfront portion of the home purchase price paid by the buyer with cash. The rest of the cost is covered by a mortgage loan, which is paid back monthly along with interest. A down payment is usually required by most lenders, and the size of it influences the terms of the mortgage.
A large down payment may reduce the number of months required to pay off the debt and it can lower the interest rate you pay. For this reason, many homebuyers spend time saving for a down payment. They create a budget, scrimp where they can and try to put any extra money (like birthday card cash or work bonuses) toward the down payment.
The size of your down payment may also be influenced by whether this will be your primary residence, vacation or investment property. There is more risk involved when borrowers buy homes as investments, so there may be higher down payment requirements or more stringent credit score requirements.
When you apply for a mortgage, your lender will ask for information about your savings and checking accounts, as well as outstanding debt obligations like credit cards, car loans and student loan balances. Lenders also review your past 3+ months of bank activity and will look for large deposits that may indicate a new source of funds. If you receive a gift from a family member or friend to use towards a down payment, you will likely need to provide a letter that clarifies the relationship, documents the amount and confirms contact information.
If you’re concerned about the amount of money you can save for a down payment, consider using a mortgage calculator to see what your potential monthly payments would be with various down payment scenarios. Our Loan Advisors are happy to sit down with you and run different numbers based on your specific parameters.
There is no minimum dollar amount that you must earn to qualify for a mortgage, but lenders want to be sure that you have enough income coming in to cover your loan payments as well as your other bills. They do this by looking at your household income, which typically includes wages from a job, but also may include other sources of income such as retirement and investment accounts. They also look at your debt-to-income ratio, which is how much of your income goes to paying off your credit cards, car loans, other debts and housing expenses.
The mortgage lender’s requirements can vary slightly from one bank to another, but they all base their decisions on the same factors. While they consider your income and other debts, they also set the terms of the mortgage and interest rate. You can shop around for a mortgage, and you will find that some lenders offer more flexible terms than others.
Different types of mortgage lenders include retail lenders, portfolio lenders, wholesale lenders and mortgage brokers. Retail lenders provide mortgages directly to consumers. Portfolio lenders use their own funds to fund mortgages rather than sourcing them from other lenders. Wholesale lenders are banks and other financial institutions that don’t work directly with consumers, but instead originate, fund and sometimes service mortgage loans. Mortgage brokers are individuals who negotiate, place or assist in the placement of mortgage loans on residential property for compensation or gain. They must be licensed in the state where they operate.
No-income verification mortgages (also called no documentation or non-QM loans) are still available for some borrowers, but they are very restrictive and require a high credit score and significant down payment. These loans are usually reserved for self-employed borrowers and those who have a high net worth. They are also more expensive than traditional mortgages, since the lender takes on more risk by lending to low-income borrowers. They can be a great option for those who need a mortgage but have issues with their credit or savings. They can also be useful for investors who want to buy a property and rent it out, but don’t have the income to qualify for a conventional mortgage.
Lenders review your liquid assets – cash, money market accounts and certificates of deposit (CDs) – to determine how much of a financial cushion you have to make mortgage payments if your job was lost or income were reduced. The more assets you have, the less likely you are to default on your loan in a time of crisis.
For traditional conforming loans backed by Fannie Mae or Freddie Mac, you are typically required to have a certain number of months in mortgage reserves. These are funds you can use to cover your monthly housing costs including PITI, property taxes and homeowners insurance. Mortgage reserve requirements vary based on your lender and the type of loan.
Some lenders require more mortgage reserves than others for jumbo loans and other types of non-conforming mortgage programs. Lenders review your assets and use a formula to calculate how much of a cushion you have to meet mortgage reserve requirements.
The key is that the assets you have are sourced and seasoned, and that your savings pattern is stable. For example, if you make a large deposit into your account shortly before applying for a mortgage, your lender will be suspicious and may ask you to explain where the funds came from. This might prompt a delay in the process or even rejection of your application, depending on the lender.
Liquid assets typically include cash in checking and savings accounts, money market accounts and CDs. For other types of assets, such as retirement accounts and real estate holdings, you’ll be asked to provide verification documents, which normally include account statements and deeds for ownership. For private equity stakes in companies, documentation will vary and might include business operating agreements, shareholder certificates or corporate charters.
You’re also expected to disclose the value of your personal property, such as cars and furniture. You may need to provide a valuation report from an independent appraiser for the property and supporting ownership documents. Similarly, for some types of investment properties you’ll need to submit appraisal reports and property management agreements. | finance |
https://www.leadinglady.com/blogs/archive/smart-shopping-advice-from-a-coupon-queen | 2024-04-19T22:02:48 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817455.17/warc/CC-MAIN-20240419203449-20240419233449-00064.warc.gz | 0.945901 | 707 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__93202468 | en | Savvy Leading Ladies know being fashionable, doesn’t mean you can’t be frugal. Our friend Nicole from Nicole’s Nickels is dedicated to finding the best money-savers on the web, and she’s letting us in on a few of her online shopping secrets. Thanks, Nicole!
I do most of my shopping online these days, mostly because I know I can get great deals online, sometimes even better deals than what you get in the store! Here are 5 of my best online shopping tips:
1. Always use a cash back shopping site. Cash back shopping sites like Ebates and Mr. Rebates are free to use and you’ll get a certain percentage of your purchase as cash back into your account. Sometimes you can get as much as 52% cash back but generally expect 2-8% cash back from most merchants. You just log in to your cash back shopping accounts and click through to the merchant so your shopping can be tracked and your cash back deposited.
3. Sign up for store/website email newsletters. Most merchants have email newsletters that are completely free to sign up for. They then reward your interest by sending you exclusive coupons and invites to private sales/ I use a separate deals email address (sign up for one for free using gmail) for these kind of email newsletters.
4. Don’t use a debit card. If you use a debit card online and your account is ever compromised you are out the money debited from the card while you wait for your bank to investigate. If you use a credit card you just dispute the charge and aren’t responsible for paying it while the credit card company investigates.
5. Research shipping options. Many stores now offer a free ship to the store option. I do this when I don’t have time to shop in the store but live close to one and am happy to have everything sent there. Try on the clothes in the store and then just return them to the store right then if they don’t fit. Also consider joining ShopRunner and Amazon Prime for free 2 day shipping! You can get 30 day free trials of both to check out the services!
It is possible to save more money online than in store and what better convenience is there than to not have to go to the store, find a parking space and drag all your purchases home!
About Nicole: I started Nicole’s Nickels in February 2009 to bring all of the great deals I was finding to my friends and family and then it took off! Since then I’ve continued my full-time day job as an attorney while blogging in the evenings and on weekends. I help my clients during the days at the non-profit I work for and then my Nicole’s Nickels readers trying to find the best deals for their family! I live in south/central Florida and have 2 cute dogs (see their picture under “mascots”) and an amazing husband who has a spunky 6 year old we get to spend a lot of time with. I love telling my readers about great deals and also about the cool products I get to try. Most of all I love giving stuff away to my readers! I hope you’ll take the time to “like” me on Facebook, follow me on Twitter and/or subscribe to get my daily updates via email to stay in touch! | finance |
http://www.mkhalidkhan.com/page/2/ | 2018-07-15T22:55:17 | s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676589022.38/warc/CC-MAIN-20180715222830-20180716002830-00563.warc.gz | 0.968208 | 713 | CC-MAIN-2018-30 | webtext-fineweb__CC-MAIN-2018-30__0__268138968 | en | Owning your own automobile can be a liberating feeling. Knowing that you can take off at anytime and drive anywhere gives you a freedom that you can’t find nearly anywhere else. This freedom comes with a significant amount of responsibility, though. In addition to cleaning the car and regularly maintaining it, you will also need to follow stringent guidelines that are dictated by law to ensure that your car runs efficiently and safely.
One of the most important steps to becoming a full-fledged automobile owner is purchasing auto insurance in Altoona, PA. There are a number of reasons why it is important to carry insurance on your car before you ever drive on the road, and detailed below are a few of the most important reasons why.
Carrying Insurance Is the Law
Carrying auto insurance is the law. Frankly speaking, if you don’t have insurance on your vehicle when you drive it on the roads, then you are breaking the law. Compulsory car insurance has been in place for nearly a hundred years in most states in an effort to ensure that you and the other person involved in any potential accident can take care of any costs that accrue. Not only is carrying auto insurance for your own benefit, but it is also for the benefit of the other person involved in the accident.
Insurance Can Mitigate Excessive Costs
Anyone who has spent any reasonable amount of time in a hospital can attest to just how costly such a visit can be. The costs add up quickly. From the ambulance ride, to the initial care, to the time spent recovering, every single bit of service you receive will be billed. If you are involved in an accident that causes you or someone else bodily harm, you are forced to pick up the hospital tab.
This is what makes carrying insurance so important: if you have a solid plan, they will pay the bill after you meet your deductible. If you don’t have a plan in place, you are then forced to pay out of pocket, which can be devastating to your bank account. This small-term investment can shield you from long-term bankruptcy.
Put Yourself at Ease
Simply having an auto insurance policy can give you a sense of peace that can affect how you drive. Just knowing that you are protected will allow you to drive as you normally would, whereas not having coverage may force you to drive a little too cautiously, leading to that which you were trying to avoid in the first place: a crash. Don’t worry every time you pull out of the driveway about getting in a car crash and incurring life-altering amounts of debt; sign up for a solid auto insurance policy today to ensure that you can drive worry free.
Save Yourself the Hassle
Have you ever been involved in a traffic accident before? The process of going about having your injuries treated properly, contacting the police, filing a report, and fixing the damages is exhausting to say the least.
Now imagine not having your auto insurance provider to act as a mediator during the process. Not only will you be forced to do all of that legwork yourself, chances are that won’t be able to get the process started and finished nearly as fast as someone who has the proper training to make the proper claims and contact the proper authorities.
Auto insurance in Altoona, PA, is more than just a hoop to jump through in order to drive your car, it is a way to ensure that you are protected in the event of a car crash. | finance |
https://abbeyfield-bristol.co.uk/our-board-of-trustees/ | 2019-04-19T06:42:28 | s3://commoncrawl/crawl-data/CC-MAIN-2019-18/segments/1555578527148.46/warc/CC-MAIN-20190419061412-20190419083412-00380.warc.gz | 0.917869 | 222 | CC-MAIN-2019-18 | webtext-fineweb__CC-MAIN-2019-18__0__63652378 | en | Our Board of Trustees
We are very fortunate to have a committed and experienced Board of Trustees, led by our Chairman, Mike Innes and Vice Chair, Sara Touzel, Sue Hopkins, John Kane, Jill Oakhill, Caroline Byrt and Roger Spooner.
Trustees are actively involved in all commercial and strategic decision-making, and the governance of the Society. The Board explores the possibilities of new projects, and works to create our vision and shape our future.
The Board of Trustees has ultimate responsibility for:
- directing and reviewing our strategy and objectives for development
- ensuring best use of our charitable funds, and investing wisely
- managing and maintaining a strong financial foundation, to enable us to deliver our plans for the future
- identifying and effectively managing risk
- ensuring legal and regulatory compliance with increasingly stringent legislation
- providing leadership and a critical overview of the Society’s activities
- keeping the Society focused on its core purposes and delivering its charitable aims
- safeguarding the reputation of the Society
- being open and accountable, and operating with integrity and transparency | finance |
https://cms.geelus.com/update-12-5-8/ | 2024-02-20T23:18:42 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473347.0/warc/CC-MAIN-20240220211055-20240221001055-00747.warc.gz | 0.906134 | 835 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__162855638 | en | You can now get a clear picture of how your staff is doing with our “Complete Productivity & Performance” report. This tool shows you everything in one place, helping you make smart choices to improve work, identify strengths, and address areas for improvement. This report is ideal for Alterations, Tailoring, and Bridal businesses.
In order to use this tool you need to setup each employees pay type (Hourly rate or commission base).
Here are the steps on how to set it up:
Navigate to Settings > Users
Click on the user’s name that’s being modified
If an employee works on an hourly rate, enter the value in the “Hourly rate” field.
If an employee works on a commission basis, then enter the percentage in the “Commission rate” field. Please note that there are two commission rate options. – Commission from transactions > An employee is paid on a percentage basis for transactions they place. – Commission from processes > The employee receives a percentage of the work they have completed. In other words a percentage of the work they have marked done.
Definition of each column in the Productivity & Performance report.
Employee: Displays the names of employees.
Transactions befor surc/disc: The total amount of transactions the employee created before any surcharge and discounts.
Transactions: The total amount of transactions the employee created.
Processes before surc/disc: The total amount of jobs marked done by employee before surcharges or discounts.
Processes: The total amount of jobs marked done by employee.
Duration: The total duration of the jobs marked done by the employee.
Time logged: Total number of hours logged by employee by clock-in and clock-out.
%Duration/Log: The ratio between the total duration of the jobs marked done vs. the total time the employee logged by clock-in and clock-out (employee efficiency).
Hourly wage: The total amount earned by hourly staff, based on their time logs multiplied by their hourly rate.
Commissions: The total amount of commissions earned by the staff. A popup window will appear when you hover over the value and it will display whether it is from a transaction or a process.
Total pay: Total of commission plus hourly wage.
Net processes: The remaining processes which means total paid minus total processed by the employee.
%Wage/Processes: The ratio between total wage vs. total processed by the employee.
Net transactions: Subtracting the transactions from the hourly wage.
%Wage/Transactions: The ratio between wage vs. total transactions placed by employee.
Hourly Staff Payment and Commission Calculation
With the new update, you can enter hourly rates for hourly employees and commission rates for commission-based employees. You can view the calculations on the “Productivity and performance report”.
Hourly rate and commissions rate can be setup by navigating to “Settings > Users”
Tracking New and Returning Customer Percentages
As part of this new update, we have improved the interface for the “New vs Returning Customers” report.
This report displays new and returning customer numbers and transaction totals on a percentage basis along with a number value.
This insightful report empowers you to make informed decisions and tailor your strategies to maximize customer engagement and loyalty.
Expanded Multi-Store Reports
In this new update, we have also expanded Multi-Store reports to include “New vs returning customers”, and “Employee’s productivity and performance” report that will allow you to view detailed report for each store in one place.
This update introduces manual communication options for email, text messages, and HTTP requests. Options for manual email and text messages are enabled by default. You can access/edit manual communication options by going to Settings > Registers > Manual communications.
You can manually send email, text messages, or HTTP requests by clicking the 3 dots next to the transaction on transaction history. | finance |
http://www.fillmaninsurance.com/blog/illegal-rebates-on-insurance-deductibles | 2024-04-16T20:05:35 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817106.73/warc/CC-MAIN-20240416191221-20240416221221-00757.warc.gz | 0.952554 | 200 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__109566017 | en | It has come to our attention that there are some roofing operations offering some form of rebate on insurance deductibles. This is not legal in the state of Nebraska. LB 943 states in part:
"A residential contractor shall not promise to rebate any portion of an insurance deductible as an inducement to the sale of goods or services. A promise to rebate any portion of an insurance deductible includes granting any allowance or offering any discount against the fees to be charged or paying an insured or a person directly or indirectly associated with the residential real estate any form of compensation, except for any item of nominal value." (State Law section 44-8604)
LB 943 also allows a person to cancel a written contract with a residential contractor within the later of three business days after the person has entered into the contract, or the person has received notice from the insurance company that all or part of the claim is not covered under the policy. (State Law section 44-8603(1). | finance |
https://www.simplesmilesdentistry.com/insurance-and-financing/ | 2018-01-24T02:03:44 | s3://commoncrawl/crawl-data/CC-MAIN-2018-05/segments/1516084892892.86/warc/CC-MAIN-20180124010853-20180124030853-00727.warc.gz | 0.911907 | 257 | CC-MAIN-2018-05 | webtext-fineweb__CC-MAIN-2018-05__0__16324833 | en | Our dentists and dental team at Simple Smiles are committed to providing compassionate, comprehensive dentistry that fits your family’s financial situation as well as your dental needs and goals. We are in network with the following dental insurance providers:
- CONNECTION Dental
- Delta Dental Premier
- Horizon Dental Blue 200
- Lincoln Group
- Meritain Health
In addition, we accept the following forms of payment:
- Credit cards
CareCredit, a third-party financing company, provides no- and low-interest financing plans to help your family afford high-quality dentistry. We welcome you to contact our Paterson, New Jersey dental office today to learn more about dental insurance, CareCredit, and our other financial options. Our knowledgeable dental team is always happy to answer your questions!
We invite you to complete our patient forms before your visit with our talented dentist, Dr. Rojas. Completing our patient forms prior to your visit will help you be more prepared and will save you some time at our Paterson, New Jersey dental office. If you have any questions or would like assistance of any type, we welcome you to call us at Simple Smiles. We are dedicated to providing you with a pleasant, streamlined experience! | finance |
https://www.adventureoutloud.com.au/blog/a-comprehensive-cost-breakdown-of-your-mount-kilimanjaro-trek | 2023-12-01T16:10:34 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100290.24/warc/CC-MAIN-20231201151933-20231201181933-00823.warc.gz | 0.931761 | 1,691 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__179773173 | en | Key take aways:
- US$1,000 - $1,100pp: Average cost of permits & national park fees. These are fixed costs that cannot be avoided.
- Accommodation before & after your trek is another major driver of cost.
- Budget accommodation costs approx. US$15 - $50pp/day
- Mid-range accommodation costs approx. US$75 - $200pp/day
- Luxury accommodation costs approx. US$200+pp/day
- Group size is another major driver of cost. The larger the group, the cheaper your trek.
- Cutting costs usually results in guides and porters not being paid.
- If you want to save money, trek in the shoulder seasons (mid-Jun & Oct)
The major costs of a Kilimanjaro trek generally include park permits and fees, accommodation, airport transfers, transport to and from the trek, food, equipment, and guide & porter salaries.
If you’re wondering why prices are usually quoted in US Dollars (USD), it is because Tanzanian businesses prefer to be paid in USD for three reasons:
- African local currency is usually pegged against the USD
- The value of local currencies are minimal. For example, Tanzania’s highest value note is TZS 10,000, which is equal to USD$5, so paying for a Kilimanjaro trek worth US$5,000 in Tanzanian Shillings would result in you having to carry a massive bag full of notes! Very inconvenient!
- USD is a global currency
Adventure Out Loud makes this easier by charging you in AUD and taking the foreign exchange risk at our end.
Don’t forget that it is also customary in East Africa to tip, so make sure you factor that into your budget! More on tipping below.
The average Kilimanjaro trek can cost anywhere between US$2,000 and US$10,000 and you may be wondering, what makes this experience so expensive? We’ve put together this comprehensive cost breakdown to help you understand exactly what you’re paying for.
When trekking Kilimanjaro, we strongly recommend you don’t pay under US$2,500, as low-cost operators may cut corners on gear, food, training and fair wages for the guides and porters that will help you up the mountain. Here’s a closer look at where your money will go:
- US$1,000 - Park and camping fees (approx. US$140pp/day)
- US$200 - Accommodation x 2 nights (US$70 - $100pp/night)
- US$100 - Airport transfers (US$50 each way)
- US$200 - Transfers to/from Kilimanjaro
- US$200 - Food
- US$700 - Support crew salaries for 7 days to support 1 trekker
- There are also costs for equipment and the cheaper your trekking fee, the more likely your tents will leak or be cold, you won’t have a comfortable mat to sleep on and the food you eat may not be freshly prepared, nutritious and safe.
As you can see, most Kilimanjaro treks will cost an operator approximately US$2,000/trekker. Tour operators will then need to make a profit, and cover other overheads like insurance, marketing, office costs, booking staff salaries, etc. If you want a more luxury experience, you expect to pay more for a private toilet, better food, more experienced guides and porters, etc.
Guide & porter salaries
Guides and porters need to be paid a fair wage as outlined by KPAP (Kilimanjaro Porters Assistance Project). If the company you use is not paying a minimum of US$10/porter you should not use them. Guides should also be paid at least US$25/day and cooks should be paid at least US$20/day.
For one trekker, you can expect a crew of 6 – 10 people. This means that wages for a seven day trek will be approximately $700.
Tipping tips and tricks
Tipping is expected in Tanzania and on Kilimanjaro. Guides, porters and cooks work incredibly hard to ensure you are safe, happy and comfortable. Our staff are professional and experienced and you’ll love their service, so whilst tips might seem high before your trek, most trekkers actually give more once they see how hard our team works.
To help you budget and to make tipping easier during our Australian guide led small group adventures, we collect tips at the start of the trip and pay them on your behalf. For our private & locally led adventurers, we have developed a Kilimanjaro tipping calculator to help you calculate a minimum tip for your trek.
Why do prices for Kilimanjaro vary so much?
The major reasons for price fluctuations are the number of trekkers in the group and accommodation/luxury level. Fixed costs, like transport, are much cheaper when they are shared among 10 trekkers instead of 1. Some variable costs, like crew salaries, are also cheaper when shared, so the best way to save money on Kilimanjaro is to join a group.
The level of comfort you want before, during and after the trek also contributes to the cost. If you want comfortable camping chairs, a dining table, portable toilet and other luxuries, your price will increase.
Another major driver is your before and after trek accommodation. For example, if you want 2 nights in a high-end luxury hotel before and after your trek, you may expect your accommodation alone to be US$500 - $5,000pp, compared to a budget hotel for US$50pp/night. As you might expect, accommodation is most expensive during peak season. If you’re looking for a way to trek Kilimanjaro on a budget, consider looking at the best times of year to climb the mountain out of peak season.
The general rule of thumb is that you get what you pay for on Kilimanjaro, particularly when it comes to your safety and porter welfare, so be cautious about how you choose to cut costs.
Cost of clothing & gear for Kilimanjaro
You should also make sure you budget some money before your trek even begins to purchase or hire the gear you will need for your trek. Gear is another area where you shouldn’t cut costs on Kilimanjaro, as having great gear, especially hiking boots, wet weather and cold weather gear can make your trip a lot more comfortable.
Make sure you consider the season in which you’re planning your trek - this can help you plan out all of the gear you’ll need, and it can also affect the cost of your trip. A few general rules of thumb we apply are:
- Always buy good hiking boots and wear them in before your trek
- If you aren't going to use the gear again, hire it to save money (except the essentials outlined in our Kilimanjaro packing blog)
- Test your gear is waterproof before your trek by testing in rain or by wetting it
Kilimanjaro is an incredible trek and the cost will be worth it when you are standing on top of the highest free-standing mountain in the world, looking out over the African savanna as the sun comes up in the distance. So what are you waiting for? Start planning your Kilimanjaro adventure today!
Ready to start planning your African adventure?
Check out our ultimate guide to trekking Mt Kilimanjaro or book a consultation with an African trekking experts to start planning your unforgettable Kilimanjaro trek. Our small group and private adventures are individually crafted to meet your wildest dreams! Secluded beach getaways, romantic safaris, honeymoon surprises, unique accommodation, or something a little weird and wonderful, tell us your wildest adventure dreams and we’ll make them a reality. Book a free consultation with an African safari experts today so we can help you plan your dream safari adventure. | finance |
http://www.dora.org/index.php | 2014-03-08T02:55:17 | s3://commoncrawl/crawl-data/CC-MAIN-2014-10/segments/1393999652865/warc/CC-MAIN-20140305060732-00085-ip-10-183-142-35.ec2.internal.warc.gz | 0.954327 | 518 | CC-MAIN-2014-10 | webtext-fineweb__CC-MAIN-2014-10__0__107875735 | en | We are currently in the 3rd Quarter and mother nature has paid us another visit. Our main priority is for students to travel in safe conditions so, again, we have had to cancel classes.
Typically this time of year burnout can take place but definitely not this year - our students and staff are very refreshed.
In the next few weeks I will provide more information on Proposition 2 (more details on this webpage).
Please feel free to email, visit the school or call if you have any questions or concerns.
The Dora R-III School District will be in session on March 10th, 11th, and 21st to help recover some of the time lost during the last winter storm. Monday, March 10 and Tuesday, March 11 are part of the week long spring break originally scheduled for March 10-14. Friday, March 21, was set aside for Parent/Teacher conferences.
Notice of Special School Bond Election
Dora R-III School District, Missouri
NOTICE is hereby given to the qualified voters of the Dora R-III School District, Missouri (the "District"), in the State of Missouri, that an election will be held in the District on Tuesday, the 8th day of April 2014, commencing at 6:00 a.m., and closing at 7:00 p.m., on that date, for the purpose of submitting to the qualified voters of the District the following proposition, to-wit:
Shall the Board of Education of the Dora R-III School District, Missouri, without an estimated increase in the current debt service property tax levy, borrow money in the amount of Three Hundred Eighty Thousand Dollars ($380,000) for the purpose of providing funds for construction, equipping and furnishing of three new classrooms; to the extent funds are available complete other upgrades, remodeling and repair improvements to the existing facilities of the District; and issue bonds for the payment thereof? If this proposition is approved, the adjusted debt service levy of the School District is estimated to remain unchanged at $0.1804 per one hundred dollars of assessed valuation of real and personal property.
End of the school year events are set after factoring in the missed days because of inclement weather.
The eigth grade graduation is scheduled for Friday, May 16th at 7:00 p.m.
The high school graduation is scheduled for Sunday afternoon on May 18 at 2:00 p.m.
The last day of school is Friday, May 23. Classes will end at noon. | finance |
https://jrpatterson.wordpress.com/clients/ | 2020-11-28T03:00:14 | s3://commoncrawl/crawl-data/CC-MAIN-2020-50/segments/1606141194982.45/warc/CC-MAIN-20201128011115-20201128041115-00556.warc.gz | 0.975968 | 2,719 | CC-MAIN-2020-50 | webtext-fineweb__CC-MAIN-2020-50__0__196141809 | en | I had the privilege of working closely with J.R. for over two years. Together we provided finance and accounting support to VoiceBase, Inc., one of our mutual clients, a VC-backed technology company. He managed all accounting and tax matters. During this period we were able to substantially upgrade the accuracy, usefulness and timeliness of the financial information. We closed three rounds of financing and we were able to present financial information to prospective investors with confidence. J.R. was a pleasure to work with and he knew when to involve me with decisions and when to resolve matters without me. I look forward to working with J.R. in the future and highly recommend him.
Steve Bach, CFO, VoiceBase, Inc.
As a startup, we needed someone with not just accounting experience but also the financial expertise that is able to help guide us through the rapid pace of change that happens to a rapidly growing business. JR was not only able to help us getting our projections together in record time, he also stayed on top of every email, text and phone call with the level of responsiveness that you would only expect from someone who truly cares about his clients and is passionate about helping those who are just starting out.I would highly recommend JR’s service to anyone who needs it, but more importantly, I look forward to continuing to work with JR as our company grows in the future.
We own multifamily projects and recently one of our property management companies switched their software system making it hard for them to give us accurate financials during the transition. JR went right to work and was able to put together our correct financial statement and balance sheet. JR is very thorough, patient, hardworking, and is great at anticipating his client’s needs. We don’t know how we would have gotten through the issues we faced without him. We enjoyed working with JR and highly recommend him for any multifamily bookkeeping needs.
Michael and Susan Allen
We are proud to announce that Patterson & Co. LLC was recently made part of the core management team of Regen Villages, a start-up based out Stanford University’s Graduate School of Business HSTAR unit.
One of my clients had urgent bookkeeping needs during one of the busiest times of the year – tax season. I asked JR if he could help, and he jumped right in! Both the client and I were very happy with JR’s work and timeliness. JR is very professional and is a complete pleasure to work with. I highly recommend JR for your bookkeeping needs!
Dan Faulk, CPA | Tax Partner | SingerLewak LLP
100 West San Fernando St., Suite 275, San Jose, CA 95113 | T: 408.899.3910 | F: 408.295.3925 | http://www.SingerLewak.com
This is my second time with J.R. and Patterson & Co., LLC. In my most recent experience, J.R. proved invaluable once again. My CFO had given me incorrect information which caused me to make a lot of incorrect business decisions. I called J.R. who I had worked with seven years earlier and asked for his help figuring out where my business was financially. After giving me a true picture of my company’s financial condition, I replaced my CFO with J.R. and asked him to help get my company’s finances back in shape.
He found me a new CPA to handle my company’s taxes which had also been done by the prior CFO and also straightened out my sales tax issues. He set up a clean new set of books for my business and began reviewing my company’s key performance indicators with me on weekly basis in addition to helping me set up budgets and payroll spreadsheets. Most recently, he figured out why all of our A/R’s were negative in our Quickbooks software. He determined that the information from our catering software was imported incorrectly by accident by one of our staff people. In three hours he had the books clean again.
I always tell J.R. that I have peace of mind for the first time in years because now I know where my business is financially. I can call him up anytime with questions about accounting and business and he always takes my call. I can just talk business with J.R., not only accounting.
I would recommend him highly to anyone looking for a bookkeeper. He calls himself a bookkeeper, but trust me, he’s more than just a bookkeeper.
Anthony Barr, Chef
Proprietor and Owner
AGA Restaurant Group, Above and Beyond Catering
Patterson & Co. is wonderful!
I am so grateful for the patience, personal attention, flexibility, expertise and professionalism that were demonstrated during the implementation of our accounting system.
I highly recommend this company; they helped our company develop and implement an accounting program that was structured to the personal needs of our business which consists of various multi-family properties.
J.R. Patterson was especially very instrumental in the actual hands on developing and setting-up of the program. Initially to me the thought of beginning this project was overwhelming and daunting; I was not sure where to start, but J.R. helped get me focused and organized so it did not become as horrendous of a project as I had originally anticipated. He worked directly with our CPA to get the necessary details of our past business practices of hand writing checks, receipts, tax filing, etc. to set-up our “move into the 21st century”. We now have all of our accounting done “live” on a very detailed & personalized computer program; it is so much more efficient and accurate than our past accounting practices. The continued service that I receive from Patterson & Co. is impeccable; some providers of such services take your money & run, but the continued support that I have with them is indeed outstanding. I am so excited about the results of his services I cannot thank him enough.
Linda Vieira, BA, RN
CFO, Vieira Enterprises, Inc.
My firm and I have worked with J.R. on higher level accounting systems implementations. I have found J.R. to be professional, knowledgeable, and exceeds the clients’ expectations when it comes to giving them what they need in an accounting system.
David J. Neighbors, CPA MST
Gallina LLP, CPAs
It’s a big step to move from one accounting software program to another. JR and his team helped me move forward quickly and cost effectively both short and long term, and provided rich feedback. JR is and continues to be a reputable resource in the accounting field.
Kimberly Bordigioni, Corporate Controller, Food Industry
It has been my pleasure to work with J.R. and his team multiple times over the past decade. Not only are they professional, but each person has had the highest caliber of work ethic and accuracy which met and exceeded expectations. J.R. Helps the management team determine the actual scope of work, maps out a work flow process, and assigns the necessary resources to complete the job. I would recommend Patterson & Co. to any business that is looking to outsource their accounting needs and I look forward to working with J.R. and his team again in the future.
Financial Services Industry
San Francisco, CA
J.R. has been our bookkeeper since September 2005 and we have thoroughly appreciated his attention to detail and his excellent customer service. Because we travel quite often, we have come to trust him with running our private family office. We know that we can ask him a question at almost anytime and he will immediately get back to us with a response. He’s very reliable.
Along with our tax accountant, he helped guide us through an audit which we passed with flying colors.
He takes such a big burden off of us by handling all the day-to-day accounting and bookkeeping for our various investment properties. He makes all mortgage payments on time and has never missed a payment or made one late. He’s very organized and uses multiple checklists to manage the sixteen separate sets of books that we use. He prepares spreadsheets that help us analyze our refinance needs and opportunities.
He’s very responsive. Whenever we need financial reports for analysis purposes, even on very short notice, he has them ready for us to review. He has designed custom reports for us that are particular to our issues. He works very well with our tax accountant. We trust him to continue running our operations even when we are on extended trips.
We love J.R.
Name Withheld by Request
“As a small business owner, I was originally skeptical of working with a bookkeeper–not because I didn’t need one, but because I was hesitant to let anyone see the disarray I called my “books” at the time (let’s face it, that shoe box could not have held another receipt if I tried). What a difference working with JR has made in both my business and state of mind! Not only is JR concise, professional and experienced in bookkeeping, he is knowledgeable in MANY areas of small business management and has a great network of professionals to refer out to. Now that my information is organized, I am empowered to make important financial decisions and analyze percentages with the click of a button–not to mention my tax accounting costs have gone down greatly due to the accuracy of the reports prepared by JR. The initial cost in getting my account set-up was far less than I expected it to be–and seeing how well JR works, I would have gladly paid twice that. I can’t even remember what things were like before JR (plus JR works with online records so even if you lose that shoe-box, you are assured greater accuracy than paper receipts alone).
I can’t say enough about my experience with JR. Instead of being a source for anxiety, I am proud of my clean books and delight in exploring reports on Quickbooks. There are few things I am more excited to pay for–and few things that reap as many rewards as having a bookkeeper as skilled and knowledgeable as J.R. True story. Thank you!
Rebecca Jean Alonzi, Founder and CEO
Rebecca Jean Catering
I have been starting and building successful businesses since 1985. I understand business and the importance of the bookkeeping component. Simply put, JR is the best bookkeeper I have ever had. His organizational skills are outstanding. But what I admire most about JR is his character, integrity, and principles.
David Taylor, President and CEO
Rolling Umbrellas LLC
Armanino McKenna LLP
12667 Alcosta Blvd., Suite 500
San Ramon, CA 94583
925-790-2600 ext. 7059
J.R. is superb! JR and his team are professional, reliable, and fun to work with. For a couple of years while our Accounting team was focused on infrastructure and scalability projects, we relied on J.R. and his staff to help ensure our day to day operations ran smoothly. With his proficiency in Quickbooks and on-site services, JR ensured that our vendors were happy and bank accounts in order. His fluency in Spanish also came in handy for managing our partners in Latin America. J.R. came to me as a recommendation, and what a remarkable recommendation it was!
Karen Wong, Accounting Manger
J.R.’s service and staff allows us to focus our attention on our work and not get bogged down on the important and yet time consuming details of quality bookkeeping. Their experience and attention to detail kept us completely organized and most importantly focused on our business. I would highly recommend Patterson Bookkeeping to any growing or established business.
Wealth Management Client Service Coordinator
SF Digital Studio
I have worked with JR over 15 months. JR has been reliable, professional and flexible to learn our accounting software. JR is methodical and detail oriented.
President of SF Digital Studio
I own a small business whose customers demand rapid response to issues. I had incorrectly created an opening balance for a client and they required an invoice ASAP. I couldn’t print them a proper invoices with an erroneous balance. I called J.R. and within 15 minutes they resolved the problem over the phone without even looking at my file! I was able to print and send the correct invoice that day and my client was happy. Thank you J.R. You’re an asset in my book.
Mike Settell, President
Sustainable Resource Solutions
Christopher’s Fine Catering
This guy is great! Always delivers. Always correct. Couldn’t manage my cash without him. He always gets back to me when I call him. Hires the best staff. Knows his stuff. Been my bookkeeper for the last 10 years. I never have to worry about my books. Can’t say enough good things about him and his company.
Chris Costello, President and Owner
Christopher’s Fine Catering | finance |
https://gsmonroe.com/2020/06/12/why-do-custom-made-instruments-cost-so-much/ | 2023-06-06T14:06:01 | s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224652569.73/warc/CC-MAIN-20230606114156-20230606144156-00107.warc.gz | 0.960457 | 2,589 | CC-MAIN-2023-23 | webtext-fineweb__CC-MAIN-2023-23__0__259120390 | en | Why do custom built guitars cost so much?
by Bruce Johnson
I’m a pro Luthier/Builder. Most of you would consider me successful at it. I’ve been doing it nearly full time for 21 years, I have a good reputation, and I usually have a waiting list for my basses and services. But let me enlighten you with the ugly financial reality of this business. The net income numbers some of you are tossing around are pure fantasy. Most of us Luthiers make a net hourly pay less than minimum wage. When I visit my tax accountant every year, he shakes his head and tells me to shut it down and go get a real job. I’m not kidding.
First things first: I’ve set a basic rate of $45 per hour. This is not my “pay”, it’s what’s called an Hourly Composite Rate for the business. I need to make an average of about $30 per hour for 40 hours per week, just to pay the overhead (rent on my building, utilities, insurance, etc.). Those are fixed costs that have to be paid each month. So, if I charge $45 per hour, and complete 40 hours of Billable Work (see below) in a week, my actual pay is really only $15 per hour. That’s $600 per week, which is less than most people with real jobs make.
But here’s the missing part: Trying to complete 40 hours of Billable Work in a week is much, much harder than it first appears. I only get paid $45 per hour for time spent actually at the bench, working on an instrument to be sold. I don’t get paid anything for answering the door, talking on the phone to customers, writing e-mails, writing on forums, sweeping the floor, sorting lumber stock, ordering parts, driving to the lumber yard, etc., etc. I get paid $0 per hour for all that time, but yet it’s all completely necessary to run the business.
For those of you who’ve never run your own business, that’s the fundamental difference between having a job and working for yourself. At a job, you automatically get money for every hour that you are there, almost regardless of what you do or how hard you work or how many parts you successfully make. Working for yourself, how much you make per hour is completely dependent on how many parts you successfully complete per week. You can seemingly bust ass all week and end up making almost nothing. In reality, I work about 80 hours per week, every week, and I’m doing well if I actually complete 40 hours of billable work. That’s a 50% ratio of Billable hours to Total hours, which isn’t bad for a small business. Many small businesses have a much lower ratio than that, like 20%-30%. But what it means to me is that I actually get paid only $7.50 per hour, for all those hours, and only if I complete those 40 hours of billable work.
Now, most “real” businesses charge a much higher hourly rate. For example, most small auto repair shops charge $75-$100 per hour. The mechanic working there makes $20 per hour if he’s good. The rest of it is for the fixed overhead costs and that ratio of Billable Hours to Total Hours, like I described above. By any standard small business model, I should be charging $75-$100 per hour. When you think about it, my business is very similar to an auto repair shop in the size and costs. My next door neighbor used to be a one-man Porsche repair shop, and we used to compare notes. He charged $75 per hour, which he said was the minimum he needed to pay the overhead and take home a modest wage for himself. He thought I was completely nuts to be only charging $45 per hour. I mean, we had identical size shops, with the same overhead rates. I’m older than him with much more education and experience. I even used to be a Porsche mechanic!
Okay, so why don’t I charge $75-$100 per hour, like I really should? Because you guys (the customers) won’t pay that much. It’s as simple as that.
Look at it from the cost side:
A hand-made custom bass neck takes 8-12 hours to build. I’m not speculating. I’ve built hundreds of them, and I keep very accurate time records. The raw materials (wood, metal, and fretwire) cost about $60. So, at $45/hr plus materials, I price a 10 hour neck at $510 plus shipping. That’s just for a basic custom bass neck. If I charged $75/hr, it would be $810. At $100/hr, it would be $1060. So, how many of you would pay $1060 for a custom neck? Just about none. But is that unreasonable? It’s the same quality of neck that you’d find on a $2000-$3000 bass. But if you read TB, you’d know that any neck over $250 is waaaay overpriced and not worth it. That’s the way this business is. Most instrument customers are completely spoiled by two decades of very cheap imports, and don’t appreciate the work and costs that go into building a custom bass. That’s the main reason why I no longer build custom necks at the retail level. It doesn’t make any sense financially.
Full instruments are the same way. My new AMB-2 Scroll Bass, which I’ve just developed and introduced this year, takes me about 60 hours each to build. The materials costs are $320: (Case: $110; wood: $50; metal: $30; purchased hardware: $90; plating: $40). So, with those materials costs and charging $45/hr, I need to sell them for $3000. That’s about right for the market (I hope!), in terms of what customers are willing to pay. But at $75/hr, I’d have to get $4820, and at $100/hr I’d have to get $6320. It would be very hard to sell them at those prices.
And that’s my simpler, lower-priced model. My fancy Series IV AUB-2 models that I built from 2006-2011 took 110 hours to build with about $400 in materials. I was selling them for $3900 and losing my ass on every one. That’s why I stopped building them. If I priced them at $100/hr, they would be $11,400. That’s nice to dream about, but not realistic.
Now, I’m a little unusual as a builder, because I build almost everything myself. I make most of my own metal hardware (bridges, tailpieces, etc.), plus I build my own pickups from scratch, and do all my own painting, in addition to the woodworking. So, my cost numbers have higher labor hours and lower materials costs than most builders. If I were to offer a custom made high-end Fender-like bass, using purchased hardware and pickups, and still painting it myself, the costs would be around $700 for materials and 35 hours labor. At $45/hr, I’d have to sell it for $2275. To me, that’s about as low as you can go, a minimum realistic price for a custom made, basic pattern instrument. To me, any builder who sells for less than that hasn’t really counted up the labor hours. Or they have a shop situation with no overhead. More likely, they are trying to set their prices based on what customers are telling them, and not understanding how much money they are losing.
Again, that’s the nature of the business. Being a Luthier is a “Glamour” business. Lots of guys want to do it because it looks like fun. And it is fun and rewarding building basses. As a hobby or a tax-writeoff sideline. But trying to do it as a rational business to make a living from is just nuts. The finances don’t add up.
If all of the above isn’t depressing enough, that all assumes that everything goes great. Unfortunately, this business also has an enormous risk factor. When building an instrument, there are hundreds of ways that you can make a small mistake, and end up ruining weeks or months of work. A small slip in a router fixture, a bad piece of wood, misreading a dimension, dropping a tool on a finished paint job, forgetting some feature that the customer asked for, etc., etc. These tiny things can instantly cost you an entire weeks’ worth of billable hours, or more. Remember, this is a fixed-price business. If I agree to build you an AMB-2 for $3000, that’s assuming that it’s going to take me 60 hours to build. But that’s the best case scenario, with no mistakes. If I get a couple of spots of contaminant in my spray gun and end up having to repaint it twice to get it right (a true story), I end up spending 90 hours on that instrument. And nobody is going to pay for those extra 30 hours. While I’m repairing that damage, I’m not working on other billable hour jobs. And the overall problem is that there are so many fussy steps involved in building an instrument, that it’s nearly impossible to go all the way through the process without making any mistakes. Only after years of making the same instruments do you eliminate most of the mistakes. The financial penalties are huge, and you can easily get into a position where you’ve already lost so much money on an instrument that it seems pointless to finish it. If you know that you’re going to make less than $5 per hour, and you still have a long way to go, is it even worth it? Meanwhile, the customer is calling you every day asking if it’s done yet.
Also, custom build jobs always have ten times the potential for mistakes and labor over-runs. Trying to do custom builds on fixed prices is setting yourself up for huge losses. There are so many ways for things to go wrong and wipe out any money you would have made. That’s why I stopped doing custom builds a long time ago. Happy customers, beautiful basses, and $5 per hour. Most Luthiers, if they survive more than a few years, eventually move to building only their own models with a fixed set of options.
I hope this helps you understand how the finances work in this business. And why we Luthiers can sometimes be cranky and evasive and refuse to answer the phone.
Most small shop electric bass Luthiers effectively charge $35-$45 per hour. That’s driven by the market; what customers are willing to pay. Established guys like me get “paid” $15 per hour at best. Guys getting started are usually making approximately nothing. You can usually make better money just doing repairs, with some careful management. The setup guy at Guitar Center makes more than I do.
So, you’re probably wondering why I keep doing this. In 1995 I was making 100K at a corporate job. Last year, I busted ass all year and grossed about 55K. On paper, my “pay” was less than 5K, for the whole year! I barely paid the overhead and the groceries each month. I work 7 days a week and hardly have any money left over to play with. I couldn’t possibly support a family or a wife doing this. But I’m okay with that. I’m a hermit mad scientist wacko type, and I’ve chosen this lifestyle. It’s just me and my dog, in a building full of machines, making cool stuff day and night. This is how I want to spend the rest of my life. | finance |
https://internalaudit.eku.edu/audit-charter | 2018-07-18T06:30:25 | s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676590069.15/warc/CC-MAIN-20180718060927-20180718080927-00225.warc.gz | 0.937123 | 539 | CC-MAIN-2018-30 | webtext-fineweb__CC-MAIN-2018-30__0__203251917 | en | The Office of Internal Audit provides independent and objective assurance and consulting services designed to add value and improve the operations of the University and its affiliated organizations. Internal Audit helps the University accomplish its objectives by bringing a systematic, disciplined approach to evaluate and improve the effectiveness of the risk management, control, and governance processes designed by management to meet the financial, strategic, and operational objectives of the University.
Independence and Authority
The Director of Internal Audit reports to the President and has direct access to the Chair of the Finance Committee of the Board of Regents. These relationships assure departmental independence, promote comprehensive audit coverage, and assure appropriate consideration of audit recommendations.
Internal Audit is authorized to review all records of the University and its affiliated organizations and has full and complete access to all University activities, records, property, and personnel reasonably necessary to perform the responsibilities of this function. Internal Audit has no direct responsibility or any other authority over the areas it reviews. An audit or review does not substitute or relieve other University personnel from their assigned responsibilities.
Scope and Responsibilities
The scope of work of Internal Audit is to determine whether the University’s network of risk management, control, and governance processes, as designed and represented by University management, is adequate and functioning effectively. Internal Audit will:
- Perform reviews of operations and programs to ascertain whether resources are acquired economically, employed effectively, and adequately protected and that results of operations are consistent and aligned with defined goals and objectives.
- Perform reviews and evaluations of the system of internal controls to ensure controls are adequate.
- Determine compliance with policies, procedures, applicable laws and regulations, and generally accepted accounting principles.
- Evaluate the reliability and integrity of financial, managerial, and operating information and the means used to identify, measure, classify, and report such information.
- Provide management advisory services during the planning, design, development and post-implementation of significant accounting or administrative systems to ensure adequate controls are implemented, documentation is complete, systems are thoroughly tested before implementation, and projected benefits are realized.
- Perform reviews of contractual agreements to ensure the propriety of payments and compliance with significant contract provisions. Review the books and records of contractors, where appropriate, to validate charges and identify any potential overpayments.
- Provide consulting services ranging from formal engagements to advisory activities, such as serving on management committees or participating in special projects and problem-solving task teams.
- Advise the President and the Chair of the Finance Committee of significant risks that management is not willing to resolve.
- Follow up to ascertain that appropriate action is taken on reported issues.
- Assist in the investigation of significant suspected fiscal misconduct. | finance |
https://www.agnewcars.com/bmw/servicing-parts/service-plans/ | 2020-02-17T01:15:34 | s3://commoncrawl/crawl-data/CC-MAIN-2020-10/segments/1581875141460.64/warc/CC-MAIN-20200217000519-20200217030519-00340.warc.gz | 0.918786 | 231 | CC-MAIN-2020-10 | webtext-fineweb__CC-MAIN-2020-10__0__94426375 | en | BMW Pay Monthly Servicing Plan
At Bavarian BMW based we offer a range of servicing and maintenance options to help you keep your car in the best possible condition while keeping your costs affordable.
Planning for the road head has never been easier. With BMW Pay Monthly service removes the uncertainty often associated with servicing. Tailored specifically to your BMW’s exact requirements, costs are frozen for the term of the plan, protecting you from inflation and giving complete peace of mind.
Benefits of the BMW Pay Monthly Servicing Plan
- Fixed, inflation-proof service prices for the duration of your plan
- Cover tailored to your BMW’s exact servicing requirements and chosen plan duration
- Protection of your BMW’s resale value with a full BMW service history
- Peace of mind that your servicing costs are covered
- The option to transfer the plan to your new BMW or your BMW’s next owner, should you sell
Terms & Conditions
Individual to each vehicle. Contact member of our service team for more information. *Example based on a 2017 BMW 116d with 8,000 miles per year. | finance |
https://affiliate.qavashop.com/ | 2023-12-04T10:00:34 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100527.35/warc/CC-MAIN-20231204083733-20231204113733-00438.warc.gz | 0.910087 | 732 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__143486714 | en | Why join this program?
We don’t limit you to a specific number of customers. We are looking to build a long-lasting relationship.
Joining our affiliate program is totally free! There is no hidden cost associated with joining our program.
Our affiliate program is easy to join. Click register and start making money!
Have a Question?
Don’t hesitate to contact us.
Qavashop Affiliate Program helps content creators, publishers, bloggers, and coffee enthusiasts the opportunity to earn a commission by referring their audience to Qavashop. With hundreds of products available on Qavashop, as an affiliate, you should use your referral link to direct your audience to your recommendations. You will earn a commission when a customer makes a successful purchase! through your link. Join the program now and be our partner
All you need to join us is a device, an internet connection and audiences to share your link with them.
Qavashop welcomes anyone to be our partner in this Program! You can register as an affiliate by clicking here.
After registering, our team will review your request, and after accepting you into the program, you will receive an approval email containing your referral link. Once you access our affiliate platform, you will see multiple sections in the left-side banner that help you measure, track, and expand your influence.
These sections include:
- Dashboard: Display a summary of your performance in the last 28 days.
- Reporting: Displays affiliate earnings details broken down by date, clicks, approved conversions and their amounts, and the amount of commission you will get for each conversion.
- Assets: In this section, you will find your affiliate link for Qavashop website to share it with your audience. Also, you will find other links, like top-selling items and main categories.
- Payouts: You can follow up on the payouts of your commissions on this tab.
There is a commission paid on each sale. The sale commission is 5% of the total price of successful purchases (After confirming no return or cancelation occurred to the order). The commission rate can be changed by Qavashop at any time. Changes to the rate will be sent to the email and posted on the dashboard.
No, you will receive a commission only when Qavashop Fulfilled items are purchased through your affiliate link.
The primary means for transferring the commission is Bank transfer. We will transfer your accumulated commission that exceed 200 SR for affiliates inside Saudi Arabia and 1000 SR for affiliates from outside, will be paid once a month.
To set your bank information go to your dashboard view: Profile icon > Payout method> New payout method.
Now you will need to fill in your bank details, including: Bank Name, Account Name, Account Number, IBAN.
You can direct your audience to specific products of your interest by simply adding the referral part to the end of the URL of any page on Qavashop website. You can do that easily by following the example:
- The primary referral link : https://qavashop.com/en/?ref=affiliatename
- The referral part : ?ref=affiliatename
- The page you want to deep link : https://qavashop.com/ar/coffee/
- Add the referral part to the end of this page: https://qavashop.com/ar/coffee/?ref=affiliatename
Now you can share your link with your audience! | finance |
https://rragency.org/ | 2021-07-28T17:58:49 | s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046153739.28/warc/CC-MAIN-20210728154442-20210728184442-00020.warc.gz | 0.962413 | 1,241 | CC-MAIN-2021-31 | webtext-fineweb__CC-MAIN-2021-31__0__199295895 | en | I am sure you will agree that now is the time to make sure your health coverage is adequate and cost effective.
Our plan offers a $0 deductible and no copays for doctor office visits and testing. Telemedicine is the new big thing. We have had it at no cost for years.
We save clients 40% to 60% when compared to Obama Care and older plans with high renewal rates.
We pay up to $6,000 per day for hospital room and board. And cover all other services at 2x Medicare rates.
For 40 years I have met with each client personally. We can make sure you understand our plan by teleconference. Once the virus scare is over, I still plan on meeting all my clients personally.
LEARN HOW I CAN HELP YOU WITH YOUR INSURANCE NEEDS
R & R Agency was founded in 1981 by Ron Richards.
We have since been National Sales Leaders for several companies every year. During his 40 years in the insurance business Ron has also owned and operated several successful small businesses (trucking company, country club, bar and restaurant, and auto detailing).
We know what is it like to pay our own insurance premiums
and how hard you have to work to be successful.
Thank you for taking the time to visit our website. We have a unique Health Insurance Program written outside of the Obama Care Guidelines.
By insuring people that are within reasonable health guidelines and letting our customers select the coverages they want and need, our premiums are often one half of Obama Care's with much lower out of pocket expenses.
It is our desire to communicate personally with all of our clients and we hope that this website will facilitate that communication.
Once we have minimal personal information (age, zip code, smoker or non smoker and email) we will forward a premium quote along with coverage information for you to review.
Once you have had time to review this information, we ask that you allow us to schedule a short phone conversation to answer your questions and make sure you understand the options available to you.
Please visit our FAQ section for more information. Thank you again. We will work hard to be worthy of your trust.
Do not let the Federal Government and their big insurance company cronies tell you that you have no other option. Now you do!
Q. Who would be my Insurance Company?
A. Philadelphia American Life Insurance Company underwrites the bulk of our program. They are highly rated by AM Best and have a long record of excellent customer service. (see www.neweralife.com health saver plus section).
Q. Can I qualify medically for this program?
A. The underwriting guidelines are very lenient. If you do not have a major illness or facing major surgery you will probably qualify.
Q. Will I have to take a physical or submit medical records?
A. No. We simply ask you a few medical questions and submit them to the company. For your protection, the company will verify your answers are correct. That is it.
Q. Should I wait to see what congress will do about changing or repealing Obama Care?
A. Absolutely not! Washington will not risk losing the votes of the millions who are getting a free ride on the backs of hard working Americans who are footing the bill. They will not change the preexisting conditions coverages or the Federal subsidies (your tax and premium dollars). These two factors alone are major reasons why the Obama Care premiums and deductibles are so high.
Q. Will I have to pay a penalty?
A. No, recent legislation has repealed the penalties under Obama Care for individuals.
Q. Why are your premiums lower?
A. First, we only insure people who are reasonably healthy. Second, we only write coverages that you want and need. Example: Does a 50 year old married couple really need to pay for maternity coverage? Do you need coverage for drug rehab, abortions etc.?
Q. What happens if I get sick?
A. Our program is guaranteed renewable and we cannot single you out for a rate increase regardless of health problems.
Q. Do I have to pay money upfront?
A. No, you will not be charged anything until you have been approved for coverage. Additionally, you have 10 days to review your policy. If the policy is returned, your premium will be refunded.
Q. Will this process take a lot of my time?
A. No, a short 5-10 minute phone interview is all that will be required. We will schedule your interview at your convenience. We work early and late. Note: It's ironic that we work so hard in order to pay for the ridiculously high insurance premiums that we don't have the time to look for something better.
Q. Where can I use my coverage?
A. You may go to any doctor or hospital; however, if you stay within the Physicians Health Care Service Network, you will receive large discounts on your medical bill. Note: PHCS is the largest network in the Midwest.
"I'm not old; I've just been around a long time."
"Do not tell me I can't."
"I'm too busy working. I don't have time to save $$."
"I'm from the Federal Government and I'm here to help."
"If we had term limits, politicians would not spend all their time trying to get reelected."
"If a politician can enter office with modest assets and leave a millionaire why wouldn't he become an investment counselor?"
"If you are not open to change do not tell me you're unhappy with your present position."
"Too good to be true"
The above statement is the most over used and ridiculous statement known to man. When most people say, "It's too good to be true", they are thinking why didn't I think of that. Most of the good things we enjoy in life were once thought to be "too good to be true". Example: air travel, internet, the automobile... | finance |
https://www.controllaser.com/services/financing/ | 2024-04-20T03:06:06 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817474.31/warc/CC-MAIN-20240420025340-20240420055340-00226.warc.gz | 0.919051 | 392 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__125528146 | en | Competitive Laser Machine Financing
Control Laser Corporation has established a leasing program that will get your production line started in no time.
Customer financing is provided through CLC Financial Services program relationships with top Bank and Independent Lenders & Lessors. Our financing alliances are industry and equipment experienced and provide a competitive range of Finance or Capital leases, Operating leases, Loans and Term Rentals with Terms 36 to 84 months.
Advantages of Leasing
With a lease, you are able to upgrade to the latest technology after the lease expires. Easily compete with competitors with the latest.
No large up front costs for small and large businesses. Leasing laser equipment has never been easier!
100% Tax Deductable
The IRS Tax Code allows a corporation to deduct the full purchase price for equipment purchased or financed in the current tax year.
Preserve Business Credit
Equipment Leasing is an Alternative Source of Funds that lets you keep your business credit line open and strengthen the cash flow of your business.
Banking Partnerships with Competitive Rates
Some of our funding relationships are US Bancorp, Wells Fargo, Peoples Capital, Vision Capital, Kingswood Leasing, M-2 Leasing, Omni Leasing and others.
Application and Credit review for up to $350,000 in equipment cost is with “Application Only”. Simply complete the attached CLC Financial Services application and submit using email or fax. Upon completion of a credit determination which is usually within one day, a term sheet with the approval terms and alternative finance options will be provided for your review prior to documentation for your equipment funding.
Non-Application Only Requests
For other, non application only requests simply complete the attached CLC Financial Services application and submit. We will contact you to discuss the additional needed financial information to process a standard credit review for your financing. | finance |
https://www.thesiriusreport.com/uncategorized/need-professional-financial-advice/ | 2022-07-05T05:36:35 | s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656104514861.81/warc/CC-MAIN-20220705053147-20220705083147-00276.warc.gz | 0.980556 | 272 | CC-MAIN-2022-27 | webtext-fineweb__CC-MAIN-2022-27__0__199325909 | en | We often get requests from readers who ask us if we can help them regarding their financial investments, specifically precious metals. Since we are not legally allowed to give such advice we unfortunately are unable to help anyone with these matters. However, one of our good friends and members, Sonny Rains, happens to be a certified financial planner based in the US who is therefore legally allowed to offer such advice. Upon discussion with him, we have decided to advertise his services on our site and in return split any revenue generated from these services on a 50/50 basis, which is a very kind gesture on his behalf to support our work.
If you are interested and you would like to read more information, a document is enclosed below which contains information specific to precious metal investments:
If you wish to contact Sonny please find all his details within this document. We will not reproduce them here due to the risk of spamming.
You can also listen to this podcast that we recorded with Sonny:
We trust you will find his advice constructive and valuable as he always has his clients’ best interests at heart. We would not make such a recommendation if we thought otherwise.
Please note that The Sirius Report is not liable for any investment decisions that you may choose to make. Those are between you and your financial advisor should you choose to avail yourself of their services. | finance |
http://axiompersonnel.co.uk/jobs/customer-services/detail/customer-services-administrator-insurance-experience-preferred | 2018-02-24T02:04:29 | s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891815034.13/warc/CC-MAIN-20180224013638-20180224033638-00600.warc.gz | 0.934206 | 423 | CC-MAIN-2018-09 | webtext-fineweb__CC-MAIN-2018-09__0__238387614 | en | Customer Services Administrator - Insurance experience preferred
Here at Axiom, we are currently recruiting for a Customer Service Administrator to work in a busy and rapidly expanding Insurance company based in South Hornchurch. The company are looking for someone ideally with a basic grounding within Insurance atleast, and the hours will be Monday - Friday. As the company grows they will be able to offer various progression opportunities and be able to invest in their employees futures by putting them through different insurance qualifications. The main objective of the role is to ensure that the companies clients are provided with fantastic assistance on all issues relating to their policy and to ensure the timely and detailed processing of paperwork from both the clients and customers. This will include;
- Dealing with customer enquiries and complaints in a courteous and helpful manner
- Being responsible for the smooth running communication between insurer and customers with any matters regarding a policy
- Full administrative support to both new and existing sales teams
- Ensuring that company in-house systems are kept up to date and following any instructions when is comes to the system
- Responding in a timely manner to customers and insurers enquiries via telephone, post and email.
- Keeping up to date with all of the organisation's products and services to ensure a fantastic product knowledge is provided to customers
- Demonstrate a pro active and professional attitude
- Ensure all important business activities comply with FCA regulation and company procedures.
- Use checklists and support documentation as provided by the company to assist with demonstrating compliance.
The perfect candidate;
- Fantastic communication skills, face to face and over the phone
- Experience within the insurance industry(atleast a basic grounding)
- Experience adhering to FCA regulations
- A passion for customer service
- A keen eye for detail
- Experience in both customer service and administration
- Strong computer literacy skills
- Team player
Please apply today for immediate consideration!!
Salary: £14,000 - £17,000
For more information or if you would like to apply for this job, please use the links below. | finance |
https://www.bidsandtenders.com/buyers/resources/webinar-don-t-budge-from-the-budget-how-eprocurement-can-help-municipal-budget-shortfalls/ | 2023-12-02T06:27:45 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100327.70/warc/CC-MAIN-20231202042052-20231202072052-00827.warc.gz | 0.885105 | 181 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__234651539 | en | Don't Budge From The Budget: How eProcurement Can Help Municipal Budget Shortfalls
As recovery from COVID-19 begins to take shape, municipal governments will need to focus on ways in which they can shrink budget deficits, while also continuing to serve citizens.
This webinar will address how eProcurement can help public procurement officers work within these budget constraints and manage:
- Lost revenues
- Administrative strain
- Wasted time
- Low competition
- Taxpayer accountability
- Supplier diversity
- Cooperative purchasing
- Stimulus spending and incentives
Information from this webinar will give agencies actionable tips to navigate budget shortfalls and recovery.
This webinar is now complete. Please provide your contact information to receive the recording link.
No time to watch the webinar? Download the infographic for some quick tips on how to improve procurement evaluation: | finance |
https://pay.bitcoinvn.io/ | 2021-06-15T14:59:24 | s3://commoncrawl/crawl-data/CC-MAIN-2021-25/segments/1623487621450.29/warc/CC-MAIN-20210615145601-20210615175601-00283.warc.gz | 0.942854 | 113 | CC-MAIN-2021-25 | webtext-fineweb__CC-MAIN-2021-25__0__90147220 | en | We handle the payments, conversions, price and market fluctuations. You can focus on your business while providing more payment options to your customers.
Accept payments from anywhere in the world. By leveraging the global networks of Bitcoin and other cryptocurrencies, no market is outside of your reach.
All your payments are converted into local currency and deposited into your account. You can withdraw your balance to your bank account at any time.
You can also offer cryptocurrencies to your customers. Our API allows you to purchase Bitcoin and other cryptocurrencies and send them directly to your customer's wallet. | finance |
https://momconstruction.ie/types-of-home-insurance-needed-for-house-renovations/ | 2023-09-27T14:09:19 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510300.41/warc/CC-MAIN-20230927135227-20230927165227-00404.warc.gz | 0.968615 | 724 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__186788810 | en | Are you planning major renovation work to your home? If so, it is a good idea to purchase home insurance to offer you peace of mind while renovating your home. It is essential that you inform your home insurer that you are renovating your house, it may show that your policy may not cover you if someone makes a claim against you while working on your home. This also applies to whether you decide to stay living in the house while the renovations are being carried out. Something happening to your home and your belongings inside is a risk and it will increase while renovations are being carried out. You must inform your insurer about any renovating as the rebuild costs to the house could be affected. Your insurance company wants to ensure that you are covered with the right level of cover to protect you and your home. You can learn more from top insurers in Ireland on their websites. Let’s look at the types of home insurance that you would need for a house renovation.
Buildings insurance protects the structure of your home, as well as any permanent fixtures such as your roof, kitchen fittings, and the bathroom. This extends to outdoor buildings as well as sheds, walls, gates, fences, and garages. It is not a requirement legally, however, if you have a mortgage on your home your lender will insist that you have buildings cover in place for your peace of mind and protection.
Contents insurance will protect all the belongings inside the home in the event any of your contents become damaged or stolen during the house renovation. Contents include furniture, TV, expensive items, jewellery, electrical appliances, and more. It is important to work out how much all your contents add up to and the best way of doing this is to go room by room and provide your insurer with an estimated figure to place on your home insurance policy.
Public liability Insurance
Public liability should be obtained if you are renovating the home. It is essential to make sure that you won’t be solely responsible for injuries to contractors or builders in the event someone would make a claim against you. Public liability also protects you against damage to their property which may be caused by your house renovations. If an accident occurs on your premises you will be covered for medical bills, repair costs, and legal costs to the damaged property. This will give you peace of mind that you are covered under your policy.
Home Renovation Insurance
A Home renovation insurance policy covers you for the following:
- Public liability insurance – if someone becomes injured at your home during the renovations, however, it does exclude any injury that occurs as fault of the home renovations project.
- The existing parts and structure of the building that is not being renovated.
- Cover for explosion, fire, and earthquake once it is not caused by the home renovations work.
- Damage that is malicious – during the renovations if the property is left unoccupied you will not be covered.
- If your building is unoccupied you will be protected under your home renovation insurance policy.
- Protection for structural damage – if any issues occur during the renovating work, once the property is not unoccupied and that the damage to the structure of the house is not caused by the renovating to the property.
One of the most valuable possessions you own is your home. It has all your comforts, memories, and belongings inside. Therefore, it makes sense to have your property covered with a home insurance policy. It isn’t a legal requirement, but it should always be taken into consideration to protect your home. | finance |
https://www.sbpg.net/CivicAlerts.aspx?AID=362 | 2019-12-11T08:50:08 | s3://commoncrawl/crawl-data/CC-MAIN-2019-51/segments/1575540530452.95/warc/CC-MAIN-20191211074417-20191211102417-00521.warc.gz | 0.947867 | 342 | CC-MAIN-2019-51 | webtext-fineweb__CC-MAIN-2019-51__0__99952662 | en | This new portal will allow for more options and flexibility, especially when and how payments can be made. It will allow customers to pay via e-check or credit card AND you will also be able to call an automated service to make secure payments over the phone.
The new portal is just Phase 1 of the process. Phase 2 will allow our customers to choose paperless billing as well! This will help reduce waste as nearly 30% of customers currently pay their bills online. We currently plan to release paperless billing before the end of the year. We will notify customers on the website once this service becomes available.
Please be aware that all customers will have to sign up again on the new payment portal. Your online account WILL NOT automatically transfer over.
Automated Phone Payments - 1 (833) 440-8630
In order to ensure a smooth transition, we need to accurately inform everyone how the transition will occur. Beginning November 1, 2019 all customers will no longer be allowed to log in to the old website and you will be able to register on our new site at that time. Any payment submitted to the old website prior to November 1, 2019 that is to be posted in the month of November will still be posted and received. Any payment that is scheduled to be processed after November 30, 2019 will be purged from the system and a new payment must be submitted through our new online portal.
It is important that all customers that make payments online – whether on auto pay or not – sign up for the new website as soon as possible beginning November 1, 2019. If you have any additional questions please contact the Water & Sewer billing office at (504) 271-1681. | finance |
http://makerfaireafrica.com/our-sponsors/ | 2017-04-29T13:21:32 | s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917123491.79/warc/CC-MAIN-20170423031203-00078-ip-10-145-167-34.ec2.internal.warc.gz | 0.923617 | 143 | CC-MAIN-2017-17 | webtext-fineweb__CC-MAIN-2017-17__0__43925068 | en | Sponsorship of MFA helps nurture and support the self-sustaining start-ups of tomorrow. Building interest in underdeveloped but key industries of technology, chemical and biotech will allow further engagement with academia, industry, government, and investor participants. Your company or organization will participate in a unique creative endeavor, which will attract leading edge interest from industry, finance and academia. In addition you will have the opportunity to meet, interact and showcase with the thought leaders that are driving innovation, ingenuity, fabrication and industrialization in Africa.
Contact us at : [email protected] to request a copy of our 2012 Sponsorship Guide or to discuss opportunities for you or your organization to get involved! | finance |
http://forthsettbanglacy.tk/?id=3891 | 2021-10-22T03:09:12 | s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585450.39/warc/CC-MAIN-20211022021705-20211022051705-00491.warc.gz | 0.652561 | 810 | CC-MAIN-2021-43 | webtext-fineweb__CC-MAIN-2021-43__0__241226052 | en | Alfa-Forex’s requirements for this platform is a deposit of at least $300 and a maximum leverage of 1:100. Alfa-Forex’s mobile trading platforms makes it possible for customers to trade on the Forex market via a smartphone, tablet, and other mobile devices. HOW TO OPEN AN ACCOUNT . The Alfa-Forex review is simple and easy. Alfa Financial is a regulated online broker for Forex, Futures, CFD and Currency Trading. Trade Forex in Dubai with Alfa Financial Alfa Forex is a Forex and CFD broker owned and operated by Alfa Capital Holdings (Cyprus) Limited, with an address at Themistokli Dervi,5, Elenion Building, 2nd Floor, 1066 Nicosia, Cyprus. AlfaForex contact phone number is +357 22 470 969. Alfa-Forex is an important part of Alfa Group Consortium. Alfa Group was founded in 1989 and is one of the largest privately owned financial-investment conglomerates in Russia. At this point, the reliability of Alfa Group is rated A++ by Expert RA, a well-known rating agency. Онлайн-торги валютными парами на официальном сайте Альфа-Форекс. Еженедельные прогнозы, ежедневные разборы финансового рынка, аналитика, вебинары, обучение начинающих трейдеров.
APLUS Регистрация личного кабинета в Alfa-Forex - YouTube
Alfa Trend Indicator has specially designed for the newbie trend following traders. this indicator is ideal for those who struggle a lot with many complex indicators that creates the confusion of ... ️ Alfa-Quant foreign exchange trading robot is a revolutionary automated forex trading robot (forex expert advisor, EA) based on neural network. 🆗 Consistent profits, low risk and loss ... Официальный канал финансовой компании Alfa-Forex. Наши эксперты ежедневно размещают на этом канале ... Karl Dittman released Alpha Scalper for Forex and I have been asked what I think about it. Is it a scam? ... Alfa Scalper Review and Tips how to use - Duration: 4:31. Elmira Meyer 911 views. Ссылка для регистрации личного кабинета в Alfa-forex https://my.alfaforex.com/ru/registration/index?partner_id=72712 | finance |
https://www.sylviayoungtheatreschool.co.uk/page/?title=Fees+%26amp%3B+Online+Booking&pid=105 | 2024-04-19T15:19:08 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817438.43/warc/CC-MAIN-20240419141145-20240419171145-00780.warc.gz | 0.950946 | 273 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__175518807 | en | Fees & Online Booking
Wednesday Evening Drama Classes: £114.00 per term. This includes a £2.00 booking fee. A term consists of 11 sessions.
All fees for classes must be paid in full when rebooking. Please note that an additional fee of £2.00 is charged for any booking which is transferred to an alternative course. This fee is paid to Active Works booking system and is non-refundable.
Places not rebooked by current students will then be offered to new students on the waiting list.
CURRENT STUDENTS - REBOOKING NOW CLOSED FOR APRIL 2024
A deposit of £30 per subject when booking is required. A booking fee of £2.00 applies during online registration and is non-refundable. Please note that an additional fee of £2.00 is charged for any booking which is transferred to an alternative course.
Refunds once I accept a place
Once you have accepted a place when offered, your £30 deposit becomes non refundable. Refunds of fees minus the deposit for any cancelled bookings will only be made on request during the first three weeks of term, after which time no refunds are made.
NEW STUDENTS - Click here to join the Adult Classes Waiting List for April 2024 | finance |
https://www.biscottitumminello.it/en/terms-of-payment/ | 2023-12-08T02:23:50 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100710.22/warc/CC-MAIN-20231208013411-20231208043411-00197.warc.gz | 0.944235 | 276 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__248760929 | en | Advance payment by bank transfer
With the confirmation of the order we send our bank details. As soon as payment has been received (please indicate the order number in the reason for payment without spaces or special characters) we will be able to start the production and shipment of the order. Receipt of the transfer can take two to three working days. Once the amount has been received, we will send a confirmation e-mail.
Our bank account details:
Cooperative credit bank “San Giuseppe”, Castelbuono
IT 18 V 08976 43220 000000302342
If you opt for payment with PayPal, during the order phase you are automatically forwarded to the secure PayPal website and, after the payment has been completed, back to our site.
Pay by credit or debit card
You can choose to pay for your order by credit card or debit card.
All transactions are controlled and managed by PayPal , the world’s leading platform in the field of e-commerce payments. At the time of order confirmation, a page that resides on PayPal’s secure server will automatically be displayed where you can enter your credit card details.
We accept all major credit cards such as Visa and MasterCard.
Payments via PostePay and many rechargeable cards relating to the Visa Electron circuit are also accepted. | finance |
http://girdlers.co.uk/charity.html | 2017-10-22T07:58:14 | s3://commoncrawl/crawl-data/CC-MAIN-2017-43/segments/1508187825154.68/warc/CC-MAIN-20171022075310-20171022095310-00455.warc.gz | 0.953517 | 125 | CC-MAIN-2017-43 | webtext-fineweb__CC-MAIN-2017-43__0__232938048 | en | The Girdlers’ Company is the Trustee to the Girdlers’ Company Charitable Trust. The Company makes regular and significant Gift Aided donations to the Trust which makes donations and grants to a range of charities with which it has long standing and close relationships.
The Trustee is undertaking a review of its grant making. One of its decisions during this review has been to close its current open application process in which it made annually 20 one-off grants of around £1,000. Once the review is complete, not expected before 2017, it will announce any new open application programme on this page. | finance |
https://www.legacymortgagellc.com/adjustable-rate-mortgages-why-they-might-be-perfect-for-you | 2024-02-23T13:21:12 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474412.46/warc/CC-MAIN-20240223121413-20240223151413-00843.warc.gz | 0.956946 | 1,173 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__71577728 | en | An Adjustable Rate Mortgage (ARM) is often viewed cautiously by borrowers shopping for a loan product. An ARM product does come with some variables that can make people nervous. However if you are shopping for a home in today’s market it is wise to evaluate all the loan programs on the table including ARMs because they may actually be the best scenario for you.
What is an ARM
An ARM is designed to be a fixed rate for a set period of time and then the rate would adjust for the remainder of the loan term. The most common ARM terms are a 5/1 ARM, 7/1 ARM and a 10/1 ARM.
These products would have a set interest rate for the first 5, 7 or 10 years of the mortgage and after that period the interest rate would adjust periodically (up or down depending on the market) for the remainder of the life of the loan.
An ARM is presented with an initial interest rate that is below the market rate for a fixed mortgage product.
This is in contrast to a fixed rate mortgage where the mortgage rates stays the same for the duration of the loan term. Fixed rate mortgages typically come in 15, 20 and 30 year increments.
Why Would I Ever Choose an ARM?
ARM’s seem worrisome for some borrowers. Buying real estate can be an emotional and often stressful process so a fixed rate mortgage feels safer. However according to the Financial Samurai in 2022 the average home owner has been in their home for 10.5-13 years. In the early 2000’s homeowners typically stayed in the home for approximately 4-5 years. Still, according to the US Census Bureau, only 37% of Americans have lived in their home for more than 10 years. Even the post pandemic statistics confirm that an ARM is a beneficial mortgage solution for many borrowers.
What does this tell us? If you are reviewing your loan options you might consider how long you expect to stay in the home you are purchasing. If it is likely that you will move from the area or into a new home in 5 – 10 years after purchasing your home then an ARM might be a better choice.
The Pros and Cons
Fixed Rate Mortgage –
- Set interest rate that will not change for the life of the loan.
- No rate change surprises if the market changes drastically.
- Consistent payment that is easier to budget for.
- Can be harder to qualify for.
- If interest rates decrease you can refinance into a new loan program to lower your rate.
Adjustable Rate Mortgage –
- Initial rate is set below fixed rate mortgages for upfront savings.
- After the initial term, the rate will adjust with the market so it could go up or down.
- Typically much cheaper than a fixed rate mortgage for the first 5-10 years.
- Harder to budget for when the rate starts adjusting.
- If interest rates decrease you can get the lower rate without refinancing.
There are benefits to both an ARM and a fixed rate mortgage. The decision becomes much clearer if you have set goals for homeownership and the property you are buying. Unless you’re buying your forever home an ARM is at the very least worth the consideration.
Learn the Lingo
When looking into ARMs it is helpful to have the basic knowledge on common terms that will be presented to you.
– Adjustment Frequency: This will outline how often the rate will be subject to adjustment after the fixed term has concluded. Examples would be every 6 months or annual adjustments.
– Caps: An ARM will typically have some caps. There will be a cap on how much the interest rate can increase each adjustment period and there will be a cap on how much the interest rate can adjust over the life of the loan.
– Ceiling: This would refer to the maximum the interest rate would be allowed to adjust to over the life of the loan.
– Floor: This would refer to the minimum interest rate that would be allowed regardless of the rate market conditions.
Understanding these terms will give you a better idea of how your ARM will play out over the course of the loan and help you decide if you feel comfortable moving forward with this loan type.
Fixed Rate or ARM?
If you are considering what loan type to choose it’s best to sit down and make a rough outline of your vision for the property you are buying and discuss the options candidly with your loan officer.
The biggest advantage of an ARM is the lower initial interest rate. If you plan to stay in the home long term you will want to check in on the interest rate market from time to time to determine if it might be a good time to refinance into a long term fixed rate.
If you are buying a home while you attend college or medical school or if you have taken a temporary position with the goal to relocate in the future, an ARM may be the perfect choice for the time you’ll spend in the home.
Contact your loan officer today to talk out all your options and our team will help you determine the best loan program for you.
If you are looking to buy a home in the current Upper Valley real estate market, you need a team of local real estate experts on your side. Our team is well versed in a variety of loan programs including fixed mortgages, ARMs, VA loans, FHA and more! We have the privilege of partnering with the best local agents, appraisers and attorney’s the Upper Valley has to offer. When you work with Legacy Mortgage you are working with the best local professionals from beginning to end. Reach out to the Legacy Mortgage team to get started get the loan process started. Call us today, 603-643-7400. | finance |
https://tiac.travel/membership_benefits.htm | 2023-01-28T22:38:26 | s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764499695.59/warc/CC-MAIN-20230128220716-20230129010716-00090.warc.gz | 0.922143 | 238 | CC-MAIN-2023-06 | webtext-fineweb__CC-MAIN-2023-06__0__305795172 | en | Investing in Success
The Tourism Industry Association of Canada has partnered with a number of leading national suppliers to provide the highest quality services to our members at fantastic rates.
Elavon delivers reliable and secure payment solutions to help businesses succeed in an increasingly complex marketplace. By serving as a single source for payment processing, Elavon sets new standards in convenience, reliability and innovation.
Pragmatic is a leading provider of audio, web and video conferencing services. TIAC members pay only $0.068/minute, with toll-free access, billed exactly to the second, with no miscellaneous fees or contracts.
Pragmatic Mobile are Cell Phone Experts who use their knowledge to negotiate a lower rate plan with your carrier to help save you money. They offer FREE, unbiased assessments of your mobile spend, including offerings for all major carriers.
Join TIAC Today
To become a member today, please click here to enter our online registration platform, or contact:
Director, Member Services and Partnerships | finance |
http://nordiclifescience.org/pfizer-potential-sobi-suitor/ | 2017-12-13T05:16:45 | s3://commoncrawl/crawl-data/CC-MAIN-2017-51/segments/1512948521292.23/warc/CC-MAIN-20171213045921-20171213065921-00206.warc.gz | 0.952181 | 208 | CC-MAIN-2017-51 | webtext-fineweb__CC-MAIN-2017-51__0__120488574 | en | Pfizer, Inc. is the potential investor for Swedish Orphan Biovitrum AB (Sobi), Reuters reported last week.
Sobi develops medications for rare diseases. In its latest filings the company reported a market value of about $4.3 billion, which makes it attractive to large pharmaceutical companies looking to bolster their pipelines.
On April 27, Sobi’s board of directors confirmed a company was in talks to acquire the Swedish firm, but did not disclose any names. Following Sobi’s revelation that day, shares of the company that was founded in 2001 increased 19 percent on the Swedish stock exchange. Sobi has been rumored to have been entertaining suitors for a while.
Pfizer and Sobi have a marketing deal for Sobi’s hemophilia drug ReFactor AF. In addition to the hemophilia drug, Sobi also manufactures arthritis drug Kineret and Orfadin, a drug used to slow the effects of hereditary tyrosinemia type 1. | finance |
https://hustlefranklins.com/finance/mastering-consumer-credit-a-comprehensive-guide-to-using-credit-wisely/ | 2023-09-22T02:45:32 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506320.28/warc/CC-MAIN-20230922002008-20230922032008-00641.warc.gz | 0.954371 | 574 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__111667607 | en | Consumer credit is a financial tool that allows individuals to borrow money to purchase goods, personal loans, credit cards, or services. It has become a common way for people to finance their lifestyles, but it’s important to understand how it works and the potential consequences of using it. In this article, we’ll explore the basics of consumer credit and provide tips for using it wisely.
What is Consumer Credit?
Consumer credit refers to the loans and lines of credit that individuals use for personal expenses. This can include credit cards, personal loans, and store credit, among others. Consumer credit is often used to finance large purchases, such as a home or car, or to cover everyday expenses, such as groceries or utilities.
How Does Consumer Credit Work?
When you apply for consumer credit, a lender will assess your creditworthiness to determine whether to approve your loan. This is done by evaluating your credit history, income, and employment history, among other factors. If your application is approved, you’ll receive a credit limit, which is the maximum amount you can borrow.
Interest and fees are typically added to the amount you borrow, and you’ll be required to make monthly payments until the debt is repaid. The interest rate on your loan will depend on several factors, including your credit score and the type of loan you have.
Tips for Using Consumer Credit Wisely
- Make sure you can afford the payments: Before taking out a loan, make sure that the monthly payments fit into your budget. Consider your other expenses and make sure that you can afford to make the payments on time.
- Use credit cards wisely: Credit cards can be a convenient way to finance your expenses, but it’s important to use them wisely. Avoid overspending and make sure to pay your balance in full each month to avoid interest charges.
- Avoid maxing out your credit: Your credit utilization, or the amount of credit you’re using compared to your credit limit, is a major factor in your credit score. Avoid maxing out your credit cards, as this can have a negative impact on your score.
- Pay your bills on time: Late payments can have a negative impact on your credit score, so make sure to pay your bills on time. Consider setting up automatic payments to help ensure you never miss a payment.
- Shop around for the best rates: Interest rates can vary greatly between lenders, so it’s important to shop around for the best rates. Compare offers from multiple lenders to find the one that best fits your needs.
In conclusion, consumer credit can be a useful tool for financing your expenses, but it’s important to use it wisely. By following these tips, you can ensure that you use consumer credit to your advantage and avoid falling into debt. | finance |
http://www.huntvalleypta.org/ | 2016-10-24T21:46:57 | s3://commoncrawl/crawl-data/CC-MAIN-2016-44/segments/1476988719784.62/warc/CC-MAIN-20161020183839-00194-ip-10-171-6-4.ec2.internal.warc.gz | 0.9143 | 247 | CC-MAIN-2016-44 | webtext-fineweb__CC-MAIN-2016-44__0__1907953 | en | This year the PTA is once again doing a direct donation drive, in lieu of the myriad of other fundraisers available to us. We hope to raise $9000 to cover the PTA expenses for the current school year and can’t reach that goal without your help! Please help us continue to provide for the Hunt Valley community.
The direct donation drive will run through Friday, November 4th.
Where will your money go?
100% of funds raised will go to support programs that enrich your student(s) educational experience including:
- Transportation funds for field trips at all grade levels
- Teacher stipends for classroom projects and supplies
- In school assemblies
- Two (2) 3D Printers, along with supplies to get our kids started using these amazing machines!
- Return the attached envelope to school with your student(s) containing your donation made out to the Hunt Valley PTA.
- Click the “Donate” button below to donate via PayPal.
*When donating via PayPal please be sure to include your student(s) name and teacher in the description field*
- The students of Hunt Valley will dump BLUE slime all over Mr. Fee!! | finance |
https://chappraisalgroup.appraiserxsites.com/home? | 2024-02-29T11:08:23 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474808.39/warc/CC-MAIN-20240229103115-20240229133115-00116.warc.gz | 0.950462 | 179 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__191293295 | en | Expert appraisals in and around County
For years, mortgage lenders and consumers, as well as other real estate professionals, have depended on our expertise to provide high-quality appraisals on all sorts of real estate in Knox County. By continuously keeping up with local real estate trends in Knox County and staying current on valuation techniques through accredited courses, we've been consistently able to produce reliable home valuations for our clients.
How do we save time and maintain competitive fees while maintaining high quality? Our reply is simple: Technology. And above everything, we keep in mind the importance of professional customer service. You'll be shown the utmost respect in all aspects of working and communicating with C-H Appraisal Group. The end result is simply an unbeatable experience for our customers. Call C-H Appraisal Group, and let us prove to you why we're different. | finance |
https://www.gvegasvb.com/ufaqs/what-is-the-g-vegas-inclement-weather-cancellation-policy/ | 2022-11-30T00:50:23 | s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710712.51/warc/CC-MAIN-20221129232448-20221130022448-00550.warc.gz | 0.92312 | 209 | CC-MAIN-2022-49 | webtext-fineweb__CC-MAIN-2022-49__0__248278615 | en | 1. If cancellation occurs before the event opens, we will refund all registration fees 100%, less the cost of the shirt ($10 for standard early reg short sleeve)*.
2. If cancellation occurs during check in, we will refund all registration fees 100% for all teams present, less the cost of the shirt ($10 for standard early reg short sleeve)*.
3. If cancellation occurs at any point during pool play, we will refund all registration fees 50%.
4. If cancellation occurs during playoffs, the payouts (cash and/or merchandise prizes) will be split evenly between the then active teams.
*We will still provide your shirts to you. If you pay via credit card, the best way to handle this is to venmo/paypal/ cash app us the $10 and we can then process a full refund, including your credit card processing fee, via the registration site. If you choose not to send us the $10, we will process your refund but you will lose the credit card processing fee. | finance |
https://justlearncrypto.com/learn/ | 2019-11-22T16:16:54 | s3://commoncrawl/crawl-data/CC-MAIN-2019-47/segments/1573496671363.79/warc/CC-MAIN-20191122143547-20191122172547-00126.warc.gz | 0.945113 | 280 | CC-MAIN-2019-47 | webtext-fineweb__CC-MAIN-2019-47__0__115767182 | en | Bitcoin is a digital currency, or a cryptocurrency. It was invented in 2008 by an anonymous person, or group of people named Satoshi Nakamoto. The creator decided to remain anonymous.
Bitcoins differ from fiat currency, or government issued currency, because they are not physical objects. Instead, they exist in the virtual world as snippets of code. This hasn’t stopped people from imagining what a bitcoin might look like in reality, and the crypto space is filled with artistic renderings of gold coins emblazoned with a B!
Bitcoin is a decentralized currency, meaning it has no central point of control and is sustained by individuals in the global cryptocurrency community. Bitcoin is like having a Swiss bank account on your phone or computer.
You don’t buy Bitcoin at a bank. Instead Bitcoin users go to online exchanges, ATMs or private brokers to purchase Bitcoin and other Crypto Currencies. When coins are not being used or traded, it is best to keep coins off of an exchange and in a wallet.
New bitcoins are being created every day through a process called mining. Big computers work hard to solve complicated equations, and each correct answer produces new Bitcoin. The Bitcoin code dictates that only 21 million Bitcoins will ever be created, making it a finite commodity much like gold.
After viewing the videos in each subsection below you will be much closer to becoming a Bitcoin pro. | finance |
https://www.housingwire.com/articles/37170-north-carolina-attorney-pleads-guilty-for-18m-mortgage-fraud-scheme/ | 2022-10-05T15:57:14 | s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030337631.84/warc/CC-MAIN-20221005140739-20221005170739-00249.warc.gz | 0.970351 | 645 | CC-MAIN-2022-40 | webtext-fineweb__CC-MAIN-2022-40__0__6668581 | en | A North Carolina attorney and real estate developer is facing a maximum sentence of 30 years after pleading guilty to bank fraud charges relating to a mortgage fraud scheme that is anticipated to cost various lenders, title insurers and investors at least $18 million.
According to the U.S. Attorney’s Office for the Eastern District of North Carolina, Joseph Kinlaw, 63, pled guilty this week to charges stemming from a scheme that saw Kinlaw allegedly falsified property information in order to obtain several loans from BB&T and First Citizens Bank under the auspices of developing residential real estate near Camp Lejeune, a Marine Corps base in North Carolina.
In a release, the U.S. Attorney’s Office stated that Kinlaw was a licensed North Carolina attorney who operated various alleged real estate investment and development entities on behalf of investors.
According to the release, Kinlaw used those entities to obtain fraudulent loans from BB&T and First Citizens Bank, between January 2011 and April 2013.
The U.S. Attorney’s Office stated that Kinlaw allegedly used the real estate development entities to defraud BB&T and First Citizens Bank by falsifying the legal descriptions of the loan collateral, and by falsifying releases of the collateral.
According to the U.S. Attorney’s Office, Kinlaw was then able to use the collateral for other real estate investment activities and loans. Also, by fraudulently releasing the banks’ collateral before the banks’ loans had been satisfied, Kinlaw was able to convey the collateral to third parties for value and continue the scheme.
In order to keep the scheme alive and to keep from being discovered, Kinlaw allegedly used outside funds – money that was unrelated to the real estate development activity that was the subject of each loan – to make ongoing loan interest payments to BB&T and First Citizens Bank.
In some cases, Kinlaw allegedly used loan proceeds from one transaction to make loan interest payments on another transaction. And in other instances, Kinlaw fraudulently extracted funds from other investors and their business interests to make payments on the loans, the U.S. Attorney’s Office said.
Eventually, banks stopped loaning money to Kinlaw, his related companies and investors. As a result of that, the existing loans went into default.
And because Kinlaw substituted false legal descriptions of bank collateral, and fraudulently conveyed bank collateral, BB&T and First Citizens Bank were unable to recover their loan losses in foreclosure, the U.S. Attorney’s Office stated.
Additionally, various title insurance companies and investors also lost “substantial funds” because of the scheme, the U.S. Attorney’s Office said.
Overall, the full loss suffered by the banks, investors, title companies and other companies is still under investigation, but the losses are presently anticipated to exceed $18 million, the U.S. Attorney’s Office said.
For his crimes, Kinlaw faces up to 30 years in prison and 5 years of supervised release. He also faces a fine of up to $1 million, and an order of restitution to victims. | finance |
https://www.divorceminnesota.com/blog/2013/09/alimony-and-same-sex-divorce-in-minnesota-1/ | 2023-12-04T09:23:05 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100527.35/warc/CC-MAIN-20231204083733-20231204113733-00063.warc.gz | 0.971498 | 424 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__98724491 | en | Minnesotans are accustomed to hearing news about the market ups and downs of the Richfield-based electronics retail giant Best Buy. Less common are news items about the personal life of Best Buy’s chief executive officer. That’s exactly what Minnesotans got, however, after the company complied with federal regulations to show that the CEO had sold $10.4 million worth of shares in the company. The reason he gave was that he needed the cash for his divorce.
This may seem like an extravagant amount of money for a divorce settlement, but then a high net worth divorce has complications that make it different from other divorces – and not just because there’s so much more money involved.
In every Minnesota divorce, the parties must divide their personal property from the marital property and then come up with an equitable division of the marital property. That’s easier said than done, even when splitting the marital property is relatively straightforward. For those with complex assets such as retirement accounts, stock options and ownership stakes in businesses, however, this process of property division can get very complicated.
For example, the Best Buy executive had stock options from which were not supposed to be sold for two years. He had to get permission from the board before he could sell the stock. A
lso, stock can vary widely in value. The month before the company’s announcement of the $10.4 million sale, its stock reached its highest point in a year. One can assume that the fact the two factors did not coincide by accident.
Few Minnesotans can boast anything like $10 million to fight over in their divorce, but all divorces have their complexities and difficulties. It’s important for Minnesotans going through a divorce to get help from professionals who understand how the property division process can work for their unique set of circumstances.
Source: Minneapolis-St. Paul Business Journal, “Best Buy CEO’s divorce prompts stock sale worth $10.4 million,” Mark Reilly, Sept. 11, 2013 | finance |
https://www.px6medicalsystems.com/post/economic-potential-with-medical-tourism | 2024-04-22T15:39:26 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818312.80/warc/CC-MAIN-20240422144517-20240422174517-00806.warc.gz | 0.935919 | 520 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__173166669 | en | An Improved Markov Chain Combination Forecasting Method Analyzes Benefits and Market Size of the Healthcare Tourism Industry
Welcome to Medical Tourism!
We are excited to discuss the impact of the medical tourism industry on regional economic performance. To study the effects of this industry, a Markov prediction method was proposed, and an improved Markov chain combination forecasting method was established. We have researched to analyze the economy of the healthcare tourism industry through the Markov chain forecasting method and various processing methods for financial results of different years.
This research has shown that healthcare tourism industry services are a new and highly potential tourism product that can generate significant economic and social benefits.
By utilizing the Markov model, scientists can explore the complementary roles of Medicine and Tourism, helping them predict the market size and benefits.
Scientists analyze the model results and calculate the benefits and scale of the development of the healthcare tourism industry by combining the actual data situation and can also condition growth each year. By doing so, they hope you find this information interesting and helpful.
So, Let's start exploring medical tourism's potential and positive effect on regional economies!
The impact of medical tourism on regional economic performance is increasingly becoming an essential factor in the global economy. To study this, a Markov prediction method was proposed to analyze the economy of the financial healthcare tourism industry through Markov chain forecasting and various processing methods for financial results of different years.
An improved Markov chain combination forecasting method was established to explore the complementary roles of medical and tourism, which helps predict the market size and benefits development.
The research results show that the healthcare tourism industry service is a new and highly potential tourism product service. It can generate significant economic and social benefits. The value and market size of the healthcare tourism industry can be analyzed and studied using the Markov model.
The model results are also analyzed and calculated. The benefits and scale of the development of the healthcare tourism industry are evaluated by combining the actual data situation and growth conditions each year. The results show that medical tourism is invaluable to local economies, providing them with jobs and revenue.
Medical tourism positively impacts the regional economy with increased medical spending, tourism spending, and economic development.
Medical tourism is increasingly becoming a significant factor in the global economy, and more and more people are choosing to travel to get quality healthcare services.
The healthcare tourism industry is rapidly growing, with much potential for future growth. By understanding the impact of medical tourism on the economy,
governments, healthcare providers, and the travel industry can make better decisions and prepare for the changing trends in the industry. | finance |
https://communities.lawsociety.org.uk/inclusive-law-management-webinars/webinar-cyber-security-and-fraud-awareness-ondemand/5066945.article | 2020-07-12T20:46:17 | s3://commoncrawl/crawl-data/CC-MAIN-2020-29/segments/1593657139167.74/warc/CC-MAIN-20200712175843-20200712205843-00529.warc.gz | 0.941641 | 180 | CC-MAIN-2020-29 | webtext-fineweb__CC-MAIN-2020-29__0__205399320 | en | This inclusive webinar covers the main threats facing law firms from cyber and fraud attacks.
The number of cyber threats targeting the legal sector have increased over recent years. Our expert speakers will help you to understand the common methods used by hackers and the immediate steps that you and your staff can take to make your firm safer in its everyday dealings online.
The webinar will cover:
- examples of cyber and fraud attacks targeting UK businesses
- who the attackers are and their motivations
- the main points of vulnerability which will be targeted by organised criminal groups
- guidance on the critical steps to protect the firm in the event of a cyber or fraud attack
This webinar was originally broadcast on 2 April 2019.
- Chris Fawcett, commercial banking fraud risk manager, Lloyds Banking Group
- Giles Taylor, commercial banking head of data & cyber security, Lloyds Banking Group | finance |
https://forrestfamilyfunerals.co.uk/pricing-information/financial-support/ | 2023-11-30T01:43:18 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100164.15/warc/CC-MAIN-20231130000127-20231130030127-00802.warc.gz | 0.917526 | 767 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__270075054 | en | The cost of a funeral can be a difficult thing to manage, especially if the death is sudden and unexpected. A Funeral Expenses Payment from the Government can help provide financial support to pay for some of the costs of the following:
– burial fees for a particular plot
– cremation fees, including the cost of the doctor’s certificate
– travel to arrange or go to the funeral
– the cost of moving your loved one within the UK, if they are being moved more than 50 miles
– death certificates or other documents
You can also get up to £1,000 for any other funeral expenses, such as the Funeral Director’s fees, flowers or the coffin. However, the payment will not usually cover all of the costs of the funeral.
How much you get depends on your circumstances. This includes any other money that’s available to cover the costs, for example from an insurance policy or the deceased person’s estate.
A Funeral Expenses Payment is paid into your bank, building society or credit union account if you’ve already paid for the funeral.
The money will be paid directly to the organiser of the funeral (for example, the Funeral Director) if you have not paid yet.
Check the claim form notes for more information.
Can I get a Funeral Expenses Payment?
Yes, if all of the following apply:
– you get certain benefits or tax credits
– you meet the rules on your relationship with your loved one
– you’re arranging a funeral in the UK
What benefits must I receive?
You (or your partner) must get one or more of the following:
– Income Support
– Income-based Jobseeker’s Allowance
– Income-related Employment and Support Allowance
– Pension Credit
– Housing Benefit
– The disability or severe disability element of Working Tax Credit
What relationship must I be to the deceased?
You must be one of the following:
– the partner of the deceased when they died
– a close relative or close friend of the deceased
– the parent of a baby stillborn after 24 weeks of pregnancy
– the parent or person responsible for a deceased child who was under 16 (or under 20 and in approved education or training)
How do I make a claim?
You can make a claim by phone by calling the Bereavement Service helpline from Monday to Friday, 8am to 5pm:
Telephone: 0800 151 2012
Welsh language: 0800 731 0453
Textphone: 0800 731 0464
Welsh language textphone: 0800 731 0456
Relay UK (if you cannot hear or speak on the phone): 18001 then 0800 151 2012
You can also claim by post. Download and fill in the claim form (SF200), then send it to the address on the form.
If you need any help or support with understanding whether you meet the eligibility criteria, or with making an application for the payment, please do not hesitate to get in touch with us on 01782 756518, or call in to the Funeral Home.
We are a forward thinking and creative Funeral Directors with a family-run independent Funeral Home based in Stoke-on-Trent. Furthermore, Forrest & Family combine traditional core values with a modern holistic approach.
Our team are passionate about supporting people on their full journey through end-of-life care and planning, arranging a funeral, and onwards into grief and bereavement support. We understand that a funeral should be affordable without compromising on quality. Please contact us on 01782 756518 for further information on Financial Support for Funerals. | finance |
https://www.garmin.com.sg/news/pressroom/news20090318/ | 2022-01-28T22:30:38 | s3://commoncrawl/crawl-data/CC-MAIN-2022-05/segments/1642320306346.64/warc/CC-MAIN-20220128212503-20220129002503-00671.warc.gz | 0.941909 | 476 | CC-MAIN-2022-05 | webtext-fineweb__CC-MAIN-2022-05__0__159044566 | en | CAYMAN ISLANDS/March 17, 2009/Business Wire/ - Garmin Ltd. (NASDAQ: GRMN) today announced that for the second straight year, it is the global leader in personal navigation device (PND) sales in 2008 – expanding its worldwide market share over 2007. The research was provided by Canalys, a leading independent technology market analyst firm.
“For the second straight year, people across the globe chose Garmin more than any other brand to help guide them to their destinations,” said Cliff Pemble, Garmin’s president and chief operating officer. “For twenty years, Garmin has been committed to bringing its customers industry-leading innovation, quality, value, ease-of-use, and support. Despite these difficult economic times, we believe that our higher market share validates our approach and are confident that we can continue to offer best-in-the-business products to attract more customers in the years ahead.”
“Canalys estimates that in 2008 Garmin increased its global market share in the portable navigation device (PND) market to 33.7%, up from 27.8% in 2007,” commented Chris Jones, vice president and principal analyst at industry analyst firm Canalys. “According to Canalys estimates, Garmin's PND shipments grew by 42% year on year, a solid performance in a market that is now feeling the effects of slowing consumer demand. However, despite what will be tough market conditions in 2009, the stronger vendors in the market will benefit and continue to gain share,” said Jones.
The Canalys figures include total worldwide PND sales for the 2008 calendar year. The report did not include Garmin’s other significant product segments – outdoor, fitness, marine, and aviation products – which would extend the company’s global leadership in the market for location based devices even further.
In all, Garmin delivered 16.9 million total units in 2008, a 38% increase from 2007. Despite a very challenging economic climate, the company posted total revenue of $3.49 billion in 2008, up 10% from $3.18 billion a year earlier. All geographic areas experienced revenue growth as well in 2008, with North America up 13%, Europe up five percent, and Asia up one percent. | finance |
https://www.learnbydesign.co.uk/post/bidding-success-for-learn-by-design | 2021-04-20T23:20:45 | s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618039491784.79/warc/CC-MAIN-20210420214346-20210421004346-00303.warc.gz | 0.957557 | 531 | CC-MAIN-2021-17 | webtext-fineweb__CC-MAIN-2021-17__0__28367989 | en | We are thrilled to announce that Learn by Design have secured a funding investment from the Careers & Enterprise Company to support young people in Derby City, Greater Birmingham and Solihull LEP.
The investment will help to scale up the careers and enterprise programme and help young people make the transition from education to the world of work.
In total, the government-backed Careers & Enterprise Company will distribute funding worth £5million to 50 organisations across the country, supporting 160,000 pupils as part of its latest Investment Fund.
Louise Curd, Director of programmes said:
“We are thrilled to be one of the recipients of the Careers and Enterprise funding and it gives a much wider breadth of career information available to young people in the region.
Our iRail programme will be at the forefront of our offer to schools, as the workshop will highlight careers within the rail industry with an enterprise task attached to the day. Programmes like these are vital in raising awareness of STEM to young people and we at Learn by Design are extremely proud to be apart of this initiative”
Education Secretary Justine Greening said:
“Good careers advice is vital in inspiring and helping young people to make smart, informed choices about their futures – whether that’s going off to university, starting an apprenticeship or kick starting a career.
The Careers & Enterprise Company has reached out to thousands of young people to give them advice and support to ensure there are no limits to their potential. It’s great to see the programmes continue to take shape across the country and positively impact young lives.”
Claudia Harris, Chief Executive of the Careers & Enterprise Company, said:
“I am delighted we have been able to invest £5million to scale up proven careers and enterprise programmes in areas of need, focusing on careers and enterprise ‘cold spots’.
Our first fund has delivered ahead of schedule to provide careers and enterprise support to more than 250,000 young people including 170,000 new STEM encounters with business. It has also engaged 3,000 new employers working with young people for the first time.
“The best research shows that young people who have 4 or more encounters with the world of work while in education are 86% less likely to be NEET – not in education, employment or training – and on average will go on to earn 18% more than their peers who did not have such opportunities. So we know this funding is making a real difference to employment outcomes for young people and the future of our economy.”
Find out more here. | finance |
http://immunicum.se/investors/press-releases/press/?xml_id=2051649&xml_date=201610 | 2018-12-16T18:34:48 | s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376827963.70/warc/CC-MAIN-20181216165437-20181216191437-00298.warc.gz | 0.936276 | 1,124 | CC-MAIN-2018-51 | webtext-fineweb__CC-MAIN-2018-51__0__17222824 | en | Immunicum AB: Report from the Annual General Meeting of Immunicum AB (publ) on October 26, 2016
Gothenburg October 26, 2016 - At the Annual General Meeting ("AGM") of Immunicum AB (publ), reg.no 556629-1786, the following resolutions were mainly adopted. For more detailed information on the content of the resolutions, please see the press release published on September 26, 2016 and the complete notice to the AGM. The notice to the AGM and complete motions on the resolutions are available at the company's website, www.immunicum.se.
Adoption of the balance sheet and income statement
The AGM adopted the company's balance sheet and income statement.
Disposition regarding the company's results
The AGM resolved that no dividend shall be paid for the financial year 2015/2016. The AGM further resolved that the company's accumulated loss shall be appropriated so that SEK 114,653,179 be settled against the share premium reserve and that the remaining SEK 137,882,043 be carried forward.
Board of Directors and Auditor
The AGM discharged the Board members and the CEO from liability for the financial year 2015/2016.
The AGM resolved that the Board of Directors shall comprise seven Board members.
The AGM re-elected Board members Agneta Edberg, Martin Lindström, Magnus Nilsson and Magnus Persson. Bengt Furberg declined re-election. The AGM resolved to elect Steven Glazer, Charlotte Edenius and Kerstin Valinder Strinnholm as new Board members. Agneta Edberg was re-elected as Chairman of the Board.
The AGM resolved to appoint the registered public accounting firm KPMG as Auditor for the period until the next Annual General Meeting. KPMG has announced that the authorized public accountant Jan Malm shall be the Auditor in Charge.
Fees to the Board of Directors and Auditor
The AGM decided that remuneration to the Board shall be a maximum of SEK 1,185,000, based on a fiscal year comprising a period of twelve months, to be distributed as follows: Chairman SEK 295,000, the other members SEK 125,000 each, a member who is chairman of the audit committee SEK 35,000, a member who is a member of the audit committee SEK 15,000, a member who is chairman of the scientific committee SEK 50,000, a member who is a member of the scientific committee SEK 25,000. No other remuneration for committee work shall be paid.
The AGM further resolved that, in addition to directors' fees, the Board as a whole can be paid a maximum of SEK 100,000 for such work that can be regarded as outside of the normal board work and that Board members may be allowed to, through his or her own company, invoice fees given that this is cost neutral for the company.
The AGM decided that remuneration to the auditor shall be paid according to approved invoices.
Authorization for the Board of Directors to decide on new share issues
The AGM resolved to authorize the Board of Directors to, on one or several occasions during the period until the next Annual General Meeting, with or without deviation from the shareholder's preferential rights, resolve on new share issues of a maximum of 5,040,000 shares. If fully utilized, the authorization entails a dilution equivalent to approximately 16.3 per cent of the company's share capital and number of votes.
Decision to change the fiscal year and to amend the Articles of Association
The AGM resolved to change the fiscal year of the company to calendar year as well as to shorten the current fiscal year to cover the period 1 July 2016 up to and including 31 December 2016.
The AGM further resolved to amend the Articles of Association so that the company's financial year shall be calendar year and that it shall no longer be possible to appoint deputy directors of the Board.
Decision on updated principles for appointing the Nomination Committee
The AGM resolved to update the principles for appointing the Nomination Committee in accordance with the Nomination Committee's proposal.
Decision on guidelines for remuneration to senior executives
The AGM resolved on guidelines for remuneration to senior executives so that the limits of variable remuneration were increased from a maximum of three ordinary monthly wages to a maximum of 35 per cent of the ordinary fixed remuneration.
For more information, please contact:
Agneta Edberg, Chairman of the Board, Immunicum
Ph: +46 (0)70 555 75 18
The company's Certified Advisor is Redeye AB
Ph: +46 (0)8 545 013 31.
About Immunicum AB (publ)
Immunicum AB (publ) develops cancer immune primers for the treatment of tumor diseases. A phase II clinical trial for the company's most advanced product - INTUVAX® against kidney cancer - has been initiated. The project portfolio contains additional clinical phase I/II studies in liver cancer and in gastrointestinal stromal tumors (GIST). Immunicum is listed on First North Premier. www.immunicum.se.
The information in this press release is disclosed pursuant to the Nasdaq First North's Rulebook. The information was released for public disclosure through the agency of the company's contact person on 26 October, 2016 at 14:00 CET. | finance |
https://www.noesisinc.com/careers | 2021-04-19T10:13:27 | s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618038879305.68/warc/CC-MAIN-20210419080654-20210419110654-00247.warc.gz | 0.868722 | 157 | CC-MAIN-2021-17 | webtext-fineweb__CC-MAIN-2021-17__0__127314336 | en | We love technology.
We also love people.
We’re a company made up of friends, while respecting the importance of our families.
We believe in a work/life balance. We give our all at work and in life.
We operate from a set of fundamental beliefs and think our employees’ career growth is the greatest investment of all.
We value growth opportunities, including tuition reimbursement, and certification incentives.
Noesis Group is a collaborative environment where you can focus on building a career, not punching a time clock.
Medical, Dental, and Vision insurance
Supplemental insurance plans
401k with company match
Paid time off that rolls over each year
- Paid holidays
Flexible spending account
Mileage reimbursement plan | finance |
https://avanzasolutions.co.nz/myob-advanced-financial-management | 2024-02-26T18:07:20 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474661.10/warc/CC-MAIN-20240226162136-20240226192136-00486.warc.gz | 0.889602 | 949 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__165457566 | en | MYOB Advanced Cloud ERP Financial Management
Business management tools to run finances with the accuracy, speed and security.
Financial Management made easy in the Cloud
The MYOB Advanced Finance Management Software Solution provides a complete view of cashbook, accounts payable, accounts receivable, inventory and project modules transactions, which flow through to the financial and cash management reports leaving you free to manage your business.
Growth Friendly Licensing
MYOB Advanced is designed to take care of everything you need both now and in the future. Inventory management, streamlined sales and purchasing, accounting and more – all in a scalable platform.
MYOB Advanced will eliminate hardware costs, giving you a fully customisable platform for a convenient monthly price. Your online data is securely stored, giving you the flexibility and freedom to work the way you want.
Financial Management Features
- General Ledger
- Accounts Receivable
- Debtor Management
- Accounts Payable
- Cash Management
- Bank Feeds
- Currency Management
- Tax Management
- Deferred Revenue
- Intercompany Accounting
- Recurring Revenue Management
- Fixed Asset Management
- Mobile Applications
- Franchise Connector
Automate your processes, manage customer accounts, and track accounts receivables from anywhere, at any time. Use MYOB Advanced accounts receivable software to generate invoices and send statements, verify balances, track commissions, collect and apply payments and more. Never lose track of the important details with comprehensive integrated reporting.
Debtor management in MYOB Advanced is a key feature that allows you to easily manage and track your accounts receivable processes. With MYOB Advanced, you can set up payment terms and credit limits for your customers, automate invoice creation and payment reminders, and easily track outstanding payments. You can also view customer payment history, create ageing reports, and analyze customer payment patterns to make better decisions for your business. By streamlining your debtor management processes, MYOB Advanced helps you improve cash flow, reduce overdue payments, and optimize your financial operations.
Keep track of your accounts payable with the ability to manage supplier invoices and balances, predict cash requirements, track discounts, deliver supplier reports, and much more. Use your web browser to access reports at any time and see how accounts payable software can work for you.
Centralise your tax management information to make configuring, collecting, reporting and managing your taxes easier. You can even use this centralised information to generate your required tax filing reports.
Assign a schedule to your transactions or inventory to help improve your revenue recognition accounting in future periods; allowing you to accurately implement and account for deferred revenue and expenses.
Manage your financials and reports across related companies within your organisation - all from one centralised location. Share accounts, calendars, and non-financial data for an unlimited number of companies; and automate your inventory transfers, financial reporting, and supplier payments. MYOB Advanced gives you ultimate flexibility in your intercompany accounting.
Recurring Revenue Management
Fixed Asset Management
Include fixed assets into your reporting directly from your accounts payable purchases, imported from an existing file, or individually.
Access MYOB Advanced anywhere, at any time, with easy access via a web browser, or use the MYOB Advanced app for iOS or Android.
The Franchise Connector module supports franchise businesses structures where the
primary franchisor is using MYOB Advanced to operate their business and the franchisees
are using MYOB AccountRight or MYOB New Essentials to run their respective
businesses. It allows franchisees to seamlessly share selected General Ledger data with
the franchisor using an MYOB Advanced portal for consolidated reporting.
MYOB Advanced offers robust and customisable reporting capabilities to help businesses gain real-time insights into their performance. With a user-friendly interface, users can create and share reports across departments and teams. The software provides an extensive range of report templates, from financial statements to custom reports, and the ability to create reports with a drag-and-drop interface, all while providing the flexibility to customise reports to meet specific business needs. MYOB Advanced also enables users to schedule and automate report generation and delivery to save time and ensure timely access to crucial information. With powerful reporting capabilities, businesses can analyze data, identify trends, and make informed decisions.
Are you ready to take your business to the next level? Look no further than MYOB Advanced ERP
Our team of experts is ready to guide you through every step of the process, from initial setup to ongoing maintenance. Don't let the fear of change hold you back.
Contact us today to learn how MYOB Advanced ERP can transform your business. | finance |
https://www.jetson.ai/blog-1/2019/2/4/crowdfunding-campaign-on-microventurescom | 2019-10-21T06:16:28 | s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570987756350.80/warc/CC-MAIN-20191021043233-20191021070733-00474.warc.gz | 0.95132 | 762 | CC-MAIN-2019-43 | webtext-fineweb__CC-MAIN-2019-43__0__114856395 | en | Jetson AI Inc. Announces Reg. CF Private Placement Offering
NEW YORK, NY [07/30/2019] -- Jetson AI Inc. is pleased to announce the launch of a private placement offering in accordance with Regulation Crowdfunding (Reg. CF) adopted by the U.S. Securities and Exchange Commission (SEC) through MicroVentures.
About Jetson AI, Inc.: Jetson AI was founded in 2017 as a voice-first SaaS platform designed to enable businesses to sell their products and services through intelligent voice technology such as Amazon Alexa and Google Home. Jetson’s technology was created to facilitate multi-step conversations and secure transaction processing between AI voice assistants and consumers.
About MicroVenture Marketplace, Inc.: MicroVenture Marketplace (“MicroVentures) is a registered broker/dealer and member of FINRA and SIPC. MicroVentures offers the sale of private placements in early and late stage companies in various industries, facilitates secondary transactions in private companies, and serves as a crowdfunding intermediary in accordance with Regulation CF. Please visit https://microventures.com for more information. A crowdfunding investment involves risk, including illiquidity, potential loss of principal, and dilution. In making an investment decision, investors must rely on their own examination of the issuer and the terms of the offering. The securities offered have not been recommended or approved by any federal or state securities commission or regulatory authority.
This crowdfunding offering is selling Crowd Notes to raise maximum offering proceeds of $107,000 with a minimum investment of $100. We currently anticipate closing this offering on September 23, 2019. More information on this offering can be found at: https://app.microventures.com/crowdfunding/jetson-ai?referral_code=JAIEC72619
Jetson AI Inc. (Jetson or the “Company”) is a voice-first SaaS (Software as a Service) platform that aims to upgrade the smart speaker and voice assistant experience with greater intelligence. It provides artificial intelligence (AI) technology for businesses to use or integrate into their own systems to process voice ordering through smart speakers such as Amazon Alexa and Google Home.
The company currently offers two versions of its technology, Jetson and Jetson Enterprise. Jetson is the base version of the voice technology that comes in the form of a self-service dashboard. Jetson’s Enterprise offering provides clients with licensing and integration of its tools into existing client operations. The company’s technology is platform agnostic and currently can be integrated with communication channels such as Alexa, Google Home, Slack, SMS Text, and mobile apps.
Jetson has secured a contract with GolfPay to process voice orders for tee-time reservations and has several letters of intent (LOI’s) with companies such as Blue Chip Marketing (on behalf of a large consumer goods company) and Volara (a hospitality software solution used by Marriot). Jetson has also partnered with Amazon Pay through its Global Partner Program as well as Delivery.com, an online platform for on-demand food delivery from local restaurants.
The company previously raised ~$1.3 million from angel investors to build out its patent-pending voice technology and build a pipeline of business leads. The company plans to use the proceeds from this round of financing to add more product features and increase its sales and marketing efforts as it looks to onboard more customers and increase transactions processed through its system.
Please refer for more information at: https://app.microventures.com/crowdfunding/jetson-ai?referral_code=JAIEC72619 | finance |
https://www.beritaduasatu.com/cloud-quickbooks-hosting/ | 2024-04-25T11:24:56 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712297292879.97/warc/CC-MAIN-20240425094819-20240425124819-00142.warc.gz | 0.903631 | 1,668 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__29714742 | en | In today’s digital age, businesses are increasingly relying on technology to streamline their operations, enhance efficiency, and gain a competitive edge. One such innovation is cloud QuickBooks hosting, a revolutionary system that has transformed the way accounting processes are managed.
Gone are the days of businesses struggling with traditional accounting software and the limitations of physical servers. With cloud QuickBooks hosting, organizations can now enjoy seamless access to their financial data from anywhere in the world, with just an internet connection and a device.
So, what exactly is cloud QuickBooks hosting? Simply put, it is the practice of hosting the popular accounting software, QuickBooks, on remote servers rather than installing it on a local computer or server. This approach ensures that businesses can access and work on their accounting data securely and efficiently, eliminating the need for costly in-house infrastructure.
Cloud QuickBooks hosting offers numerous advantages that revolutionize accounting practices. Firstly, it allows businesses to collaborate effortlessly. Multiple users can access the same dataset simultaneously, making it easier for teams to work together and share real-time updates, regardless of their physical locations.
Moreover, cloud hosting provides unparalleled flexibility and scalability. Businesses can easily scale up or down their accounting requirements, depending on their changing needs. Whether it is adding more users, increasing storage capacity, or integrating additional applications, cloud QuickBooks hosting caters to these demands seamlessly, without any disruption to daily operations.
Data security is a paramount concern for any business dealing with financial information. Cloud QuickBooks hosting addresses this concern with robust security measures. Service providers implement advanced encryption techniques, multi-factor authentication, and regular backups to safeguard financial data, minimize the risk of data breaches, and ensure compliance with industry regulations.
Additionally, cloud QuickBooks hosting offers automatic software updates. Gone are the days of manually downloading and installing patches and updates. With cloud hosting, the software is regularly updated, ensuring that businesses have the latest features and security enhancements without any hassle.
The cost-effectiveness of cloud QuickBooks hosting cannot be overlooked either. By adopting this technology, businesses can eliminate the need for expensive IT infrastructure, maintenance, and upgrades. Instead, they can subscribe to a hosting plan, tailored to their specific requirements, paying only for the resources they use. This eliminates large upfront costs and enables businesses to allocate their budgets more effectively.
In conclusion, cloud QuickBooks hosting has revolutionized the accounting landscape, offering businesses unprecedented flexibility, scalability, and collaboration opportunities. With enhanced data security, automatic updates, and cost-effectiveness, it is no wonder that an increasing number of organizations are turning to this technology. Embracing cloud QuickBooks hosting opens up a world of possibilities, allowing businesses to focus on their core competencies while leaving accounting processes in the hands of cutting-edge technology.
Understanding Cloud QuickBooks Hosting: Exploring Ways, Tips, and Advantages
Cloud QuickBooks hosting has revolutionized the way businesses manage their financial operations. With its convenience, flexibility, and enhanced security, it has become increasingly popular among organizations of all sizes. In this article, we will delve into the concept of cloud QuickBooks hosting, explore various ways and tips to optimize its usage, and highlight the numerous advantages it offers to businesses.
What is Cloud QuickBooks Hosting?
Cloud QuickBooks hosting refers to the practice of hosting the renowned accounting software, QuickBooks, on cloud servers rather than on local systems. This remote hosting enables businesses to access and utilize QuickBooks via the internet, offering a range of benefits that traditional on-premises installations cannot provide.
Ways to Optimize Cloud QuickBooks Hosting
1. Choose a Reliable Cloud Hosting Provider:
When it comes to cloud QuickBooks hosting, selecting a reputable hosting provider is crucial. Ensure the provider offers comprehensive security measures, reliable customer support, and efficient data backups to guarantee smooth operations.
2. Collaborate Effectively:
Cloud QuickBooks hosting allows for seamless collaboration among team members. Make the most of this feature by encouraging employees to use shared folders, real-time updates, and commenting functions to enhance productivity and streamline communication.
3. Monitor Usage:
To optimize cost and performance, keep track of your cloud QuickBooks usage. By monitoring the number of users, their privileges, and the resources consumed, you can adjust your hosting plan accordingly, ensuring maximum efficiency and cost-effectiveness.
4. Regularly Update QuickBooks:
Cloud QuickBooks hosting providers often release updates and new features. Stay up to date with the latest versions to benefit from enhanced functionality, improved security, and bug fixes. Regular updates will also ensure compatibility with other software and systems.
Tips for Efficiently Using Cloud QuickBooks Hosting
1. Enhance Security Measures:
While cloud QuickBooks hosting providers implement robust security measures, it’s crucial to reinforce your own security protocols. Encourage your team to use strong passwords, enable two-factor authentication, and regularly update antivirus software to protect sensitive financial data.
2. Use Mobile Apps:
Cloud QuickBooks hosting enables access to financial data from anywhere, at any time. Make the most of this advantage by utilizing mobile apps. Install the QuickBooks app on your smartphone or tablet to easily manage invoices, track expenses, and analyze financial reports on the go.
3. Automate Routine Tasks:
Take advantage of the automation capabilities of cloud QuickBooks hosting. Explore features like scheduled reporting, automatic invoice generation, and recurring billing to save time, reduce human error, and improve efficiency.
4. Leverage Integrations:
Cloud QuickBooks hosting integrates seamlessly with numerous other business applications. Whether it’s CRM software, project management tools, or e-commerce platforms, leverage these integrations to streamline workflows, eliminate duplicate data entry, and enhance overall efficiency.
Advantages of Cloud QuickBooks Hosting
1. Increased Accessibility:
Cloud QuickBooks hosting allows users to access their financial data and software from any location, using any device with an internet connection. This level of accessibility enables businesses to work remotely, collaborate effortlessly, and make informed financial decisions in real-time.
2. Enhanced Security:
Cloud hosting providers implement advanced security protocols, ensuring the safety of sensitive financial data. The use of encryption techniques, firewalls, and regular data backups provide businesses with peace of mind, knowing their data is protected from cyber threats and potential hardware failures.
3. Scalability and Flexibility:
Cloud QuickBooks hosting offers businesses the flexibility to scale resources up or down as needed. Whether it’s adding more users during peak seasons or reducing resources during slower periods, cloud hosting ensures businesses pay for only what they require, making it a cost-effective choice.
4. Disaster Recovery and Data Backup:
In the event of a disaster or system failure, cloud QuickBooks hosting offers reliable data backup and recovery options. Cloud hosting providers typically have multiple data centers and backup routines in place, minimizing the risk of data loss and ensuring business continuity.
Frequently Asked Questions (FAQs)
1. Is QuickBooks Online the same as cloud QuickBooks hosting?
No, QuickBooks Online and cloud QuickBooks hosting are distinct solutions. QuickBooks Online is Intuit’s web-based accounting software accessible via a web browser, while cloud QuickBooks hosting involves hosting the desktop version of QuickBooks on remote servers, accessible via the internet.
2. Can I access cloud QuickBooks hosting from a Mac computer?
Yes, cloud QuickBooks hosting is compatible with both Windows and Mac operating systems. You can access your hosted QuickBooks application from any device with an internet connection, regardless of the operating system it runs on.
In conclusion, cloud QuickBooks hosting offers businesses a modern and efficient way to manage their financial operations. By optimizing its usage, adhering to best practices, and leveraging its advantages, organizations can streamline their accounting processes, enhance collaboration, and make informed financial decisions. Explore a reliable hosting provider, apply the shared tips and tricks, and take advantage of the benefits cloud QuickBooks hosting offers. Embrace this technological advancement and pave the way for a more efficient financial future for your business! | finance |
https://melbarestaurant.com.au/credit-card-payments/ | 2023-12-10T08:39:04 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679101282.74/warc/CC-MAIN-20231210060949-20231210090949-00309.warc.gz | 0.905941 | 113 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__206563450 | en | Credit Card Payments
Rate is inclusive of Goods and Services Tax (GST).
Credit card payments incur a merchant service fee in addition to the total amount payable as follows:
MasterCard, Visa and American Express 1.2% (Inc GST)
China Union Pay 1.75% (Inc GST)
Diners Club, JCB and Discover 3% (Inc GST)
Payments by cash or EFTPOS do not attract a merchant fee.
Public Holiday Pricing:
A surcharge of 15% applies on all Victorian public holidays. | finance |
https://www.cybrosys.com/blog/5-key-benefits-of-erp-and-crm-integration | 2020-09-30T02:57:41 | s3://commoncrawl/crawl-data/CC-MAIN-2020-40/segments/1600402101163.62/warc/CC-MAIN-20200930013009-20200930043009-00542.warc.gz | 0.902954 | 759 | CC-MAIN-2020-40 | webtext-fineweb__CC-MAIN-2020-40__0__70752823 | en | The technology works as an accelerant to the business organization. If a business is already efficient, technology will make it even more efficient. Conversely, if an organization is inefficient, the technology will eliminate all its inefficiencies via bringing out the best possible solutions. Progressive companies maximize their efficiencies via integrating the enterprise databases like CRM and ERP.
In our previous blog titled CRM vs ERP, we already discussed the component features in details. It's known fact that CRM software functions with front-office information pertaining to customer interactions with sales, marketing, and support, conversely ERP software handle the critical back-office data. It also manages the customer information like purchase history, billing and shipping details, and accounting information once the order has been placed.
Both ERP and CRM software solely offer substantial benefits to businesses. If ERP and CRM are integrated into a single software system, the business organization can seamlessly process their financial management, management Process, and marketing Process.
Let us look into the 5 key benefits of integrating CRM in an ERP system.
1. A 360-degree customer analysis.
One of the prime advantages of integrating CRM in an ERP software is that it provides a detailed and complete overview of the potential customer. One can easily track customers buying habits, order history and also the general needs. From sales and support to finance and accounting, the integration makes everything seamless. With a better customer base insight it conversely builds lasting relationships, thereby determine the future potential growth. Consistent data gives better analytics and reporting, leaving customer preferences, profitability, and loyalty easy to track.
2. Real-time access to crucial information
Lack of timely information comes along with the risk of employees becoming less efficient and productive, resulting in a loss to customers. A fully integrated CRM and ERP software will provide the employee's access to real-time information without many complexities. In a single click, all the information pertaining to inventory levels, shipments, customer financials, order history, returns, payments, pricing are brought in.
3. Eliminate tedious data entry and duplication
Both ERP and CRM software is embedded with contact and account information for different business purposes. While ERP focusses mainly on the billing and shipping addresses, CRM primly focuses on the prospects and sales/support. The ERP and CRM integration removes the tedious task of duplicating the data entry by bringing the identical rules for both CRM and ERP. For instance, if any kind of alterations made in the ERP, it will automatically reflect in the CRM and vice versa. The same principle applies to the addition/removal of custom fields, new entries or any kind of changes in the database.
4. Efficient inventory and quote management
Integrating CRM with ERP initiates the businesses to turn their proposal generation into actual orders, which can be executed and tracked in an ERP system. It reduces the time consumed for the management of data, thereby improving the efficiency of the company. Furthermore, a sales team would have enhanced visibility regarding order status updates for customers and easy access to make necessary changes if needed.
5. Reduced IT and training overheads
With a single, unified platform with functionalities of both ERP and CRM, one can easily bring down the IT costs. A single platform reduces the expense of maintaining two separate systems. With an efficient integration, one can also bring down the amount of support and training.
Cybrosys Technologies, understand the client’s needs and processes, accordingly integrate the ERP befitting your business needs. For any feedback or queries, kindly drop your message to [email protected]. | finance |
http://sandrawatkins.net/short-sales.html | 2017-06-28T10:44:45 | s3://commoncrawl/crawl-data/CC-MAIN-2017-26/segments/1498128323604.1/warc/CC-MAIN-20170628101910-20170628121910-00165.warc.gz | 0.958273 | 1,211 | CC-MAIN-2017-26 | webtext-fineweb__CC-MAIN-2017-26__0__60688164 | en | |Your Source For Georgia Short Sales!
Foreclosure is one of the most devastating financial challenges that a family can face
and one that many times can be avoided. The options available to residents for foreclosure
are many, including but not limited to short sales. Following is a brief explanation of these
A reinstatement is the simplest solution for a foreclosure, however it is often the most
difficult. The homeowner simply requests the total amount owed to the mortgage company to
date and pays it. This solution does not require the lender's approval and will 'reinstate' a
mortgage up to the day before the final foreclosure sale.
Forbearance or Repayment Plan
A forbearance or repayment plan involves the homeowner negotiating with the mortgage
company to allow them to repay back payments over a period of time. The homeowner
typically makes their current mortgage payment in addition to a portion of the back
payments they owe.
A mortgage modification involves the reduction of one of the following: the interest rate on
the loan, the principal balance of the loan, the term of the loan, or any combination of these.
These typically result in a lower payment to the homeowner and a more affordable mortgage.
Rent the Property
A homeowner who has a mortgage payment low enough that market rent will allow it to be
paid, can convert their property to a rental and use the rental income to pay the mortgage.
Deed-in-Lieu of Foreclosure
Also known as a "friendly foreclosure," a deed-in-lieu allows the homeowner to return the
property to the lender rather than go through the foreclosure process. Lender approval is
required for this option, and the homeowner must also vacate the property.
Many have considered and marketed bankruptcy as a "foreclosure solution," but this is only
true in some states and situations. If the homeowner has non-mortgage debts that cause a
shortfall of paying their mortgage payments and a personal bankruptcy will eliminate these
debts, this may be a viable solution.
If a homeowner has sufficient equity in their property and their credit is still in good standing,
they may be able to refinance their mortgage.
Servicemembers Civil Relief Act (military personnel only)
If a member of the military is experiencing financial distress due to deployment, and that
person can show that their debt was entered into prior to deployment, they may qualify for
relief under the Servicemembers Civil Relief Act. The American Bar Association has a
network of attorneys that will work with servicemembers in relation to qualifying for this relief.
Sell the Property
Homeowners with sufficient equity can list their property with a qualified agent that
understands the foreclosure process in their area.
If a homeowner owes more on their property than it is currently worth, then they can hire a
qualified real estate agent to market and sell their property through the negotiation of a
short sale with their lender. This typically requires the property to be on the market and the
homeowner must have a financial hardship to qualify. Hardship can be simply defined as a
material change in the financial stability of the homeowner between the date of the home
purchase and the date of the short sale negotiation. Acceptable hardships include but are
not limited to: mortgage payment increase, job loss, divorce, excessive debt, forced or
unplanned relocation, and more.
This represents only a summary of some of the solutions available to homeowners facing
foreclosure. Locate a CDPE in your area for an evaluation of your individual situation,
property value, and possible options.
Understanding your options now could mean all the difference in the world.
What is a Short Sale?
A short sale can be an excellent solution for homeowners who need to sell, and who owe
more on their homes than they are worth. In the past, it was rare for a bank or lender to
accept a short sale. Today, however, due to overwhelming market changes, banks and
lenders have become much more negotiable when it comes to these transactions. Recent
changes in corporate policy and the Obama administration have also improved the chances
of getting a short sale approved.
But to be technical, here's a more official definition:
A homeowner is 'short' when the amount owed on his/her property is higher than current
A short sale occurs when a negotiation is entered into with the homeowner's mortgage
company (or companies) to accept less than the full balance of the loan at closing. A buyer
closes on the property, and the property is then 'sold short' of the total value of the
For homeowners to qualify for a short sale, they must fall into all of the following
Financial Hardship – There is a situation causing you to have trouble affording your
Monthly Income Shortfall – In other words: "You have more month than money." A lender
will want to see that you cannot afford, or soon will not be able to afford your mortgage.
Insolvency – The lender will want to see that you do not have significant liquid assets that
would allow you to pay down your mortgage.
This seems simple enough, but it is a complicated process that takes the expertise of
experienced professionals. Find a CDPE in your area by clicking here. Together, you can
identify all possible options and, when possible, a CDPE can assist you in the quick
execution of a short sale transaction.
Short sales have become much more efficient and stream lined. No longer do you have to
wait for months for the bank to make a decision. We are getting approvals within two weeks
once all documents are in the banks hands.
Call me to start the process before your options are gone.
|Learn the TRUTH about short sales | finance |
http://annandaleco.com/ | 2023-11-30T03:51:07 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100164.87/warc/CC-MAIN-20231130031610-20231130061610-00409.warc.gz | 0.90277 | 193 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__35538732 | en | QUICK SERVICE RESTAURANTS
Fast-food, or quick-service restaurants (QSRs), continue to thrive, which makes the industry a great place to invest. Fifty million Americans eat at a fast-food restaurant daily, which accounts for the 2018 U.S. revenue of $256 billion, and 2019 growth is projected around 4%. QSRs like McDonald’s, KFC, Wendy’s, and Starbucks are stable, long-term net-lease investments with reliable, creditworthy tenants, effortless monthly income, periodic rent increases for 10-15 years, and few or no maintenance responsibilities.
Quick Service Restaurants for sale listings are some of the hottest retail properties in the market. Whether you are looking to buy a Fast Food, Quick Service Restaurant or sell your Fast Food, Quick Service Restaurant, Annandale is here to help you through the process for the best possible outcome.
Contact Us Today! | finance |
https://climatecitizens.org.uk/open-position-for-a-masters-in-our-team/ | 2023-12-11T16:10:39 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679515260.97/warc/CC-MAIN-20231211143258-20231211173258-00859.warc.gz | 0.896961 | 109 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__119760470 | en | We have funding to cover the tuition fees for one Masters of Science by Research (MSc-R) at Lancaster Environment Centre, Lancaster University.
The successful applicant will join the Climate Citizens project team to conduct a piece of original research on one of two topics:
- Green financial reform and the prospect of democratisation
- What climate policies do the public want to see?
More information about the opportunity can be found here.
The funding covers tuition fees only, there is no stipend (living expenses) included in the funding. | finance |
https://sinpfportal.com/Suspense.aspx | 2024-02-22T11:09:55 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473738.92/warc/CC-MAIN-20240222093910-20240222123910-00648.warc.gz | 0.915718 | 114 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__193305751 | en | SINPF Online Portal
Use the search below to check if there are any unidentified transactions for your SINPF account.
The employers list only shows those who have unidentified transactions, so if you can't find your employer then that's great!
It means all your contributions have been successfully allocated to your account.
Suspense transactions are held for a maximum of 5 years (60 months) before being transferred to the General Reserve.
The Months Remaining column shows how many months left.
Copyright © 2024 Biztec Solutions Ltd All rights reserved. | finance |
https://www.acmconstructions.com.au/latest-news/first-home-owners-grant/ | 2024-02-21T22:28:01 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473558.16/warc/CC-MAIN-20240221202132-20240221232132-00039.warc.gz | 0.960521 | 538 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__90516649 | en | Buying your first home is huge. It’s mind-blowing to imagine being finally free of house inspections, lease renewals, ignored communications from absentee agents, and less-than-stellar maintenance. For many people, it is the culmination of a lot of strict saving and dedication, as well as a lot of patient waiting.
The First Home Owners Grant is an initiative that was introduced in 2000 to make buying a home more accessible. Like most of the home-buying process, the First Home Owners Grant can be a little confusing. So ACM Construction has put together a little information to help you get started. This is article is not, by any means, comprehensive but will hopefully point you in the correct direction for further investigation.
What is the First Home Owners Grant?
The First Home Owners Grant (FHOG) is a sum of $15,000 for QLD homes bought in 2019 from the government. Depending on State, the sum and restrictions can vary so it is important to look up your State’s regulations. This sum can be used as your deposit when buying a home or can be applied to your principal.
This grant is awarded to people buying or building new owner-occupied homes. Additionally, owners of the home must live in the house for at least one year continuously. If the conditions of the grant are breached, homeowners must pay back all money received. Substantially renovated homes may be eligible, however, renovated homes have a set of complex criteria surrounding what the government will deem eligible. Always make sure you do your research and speak with a knowledgeable professional.
It is import to remember if you are buying a house jointly with someone else you must both satisfy the grant’s criteria in order to be eligible. Furthermore, you will only receive one grant. If you are interested in finding out your eligibility for assistance, you can visit the Queensland Government’s estimator.
While the first home Owners grant is a great bonus for people looking to own their own home, it doesn’t work for everyone. For people looking to buy a previously lived-in home that is still in great condition, the First Home Owners Grant will provide no relief. The same is true for people looking for an investment property.
However, in this circumstance, you may still be eligible to receive some form of assistance. For homes under $550,000 you can receive a concession on Stamp Duty.There are some handy estimating tools available for transfer duty and first home concessions, among others. Again, you should always consult with a knowledgeable professional before taking action. As such we recommend you consult with an approved agent. | finance |
https://www.situslotjoker.com/best-crypto-gambling-sites-of-2023/ | 2023-12-07T17:50:35 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100677.45/warc/CC-MAIN-20231207153748-20231207183748-00843.warc.gz | 0.938939 | 724 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__25990414 | en | In this article, we will review some of the top Bitcoin casinos that offer a variety of games, bonuses, and features for crypto enthusiasts. Whether you want to play slots, table games, live casinos, or sports betting, these sites have something for everyone. Here are our picks for the best crypto gambling sites of 2023:
- mBit Casino: This is a safe and easy-to-play crypto casino site that offers over 2000 games from top providers like NetEnt, Microgaming, and Play’n GO. mBit Casino also has a generous VIP program that rewards loyal players with cashback, free spins, and exclusive offers.
- BitStarz: This is a top-rated online casino that accepts both Bitcoin and fiat currencies. BitStarz has a huge game library with over 3000 titles, including slots, jackpots, table games, and live casinos. BitStarz also has regular promotions and tournaments that give players a chance to win big prizes.
- 7Bit Casino: This is a recommended real money slot site that has over 4000 games from leading providers like Betsoft, Pragmatic Play, and Yggdrasil. 7Bit Casino also has daily cashback offers, reload bonuses and free spins for new and existing players.
- FortuneJack: This site has a reputation for being fair, secure, and reliable. FortuneJack accepts a wide range of cryptocurrencies, including Bitcoin, Ethereum, Litecoin, Dogecoin, and more. You can also enjoy a generous welcome bonus of up to 6 BTC and 300 free spins on your first four deposits. FortuneJack has over 2000 games from top providers like NetEnt, Microgaming, and Evolution Gaming.
- LuckyBlock: This site is powered by the Binance Smart Chain and offers a unique gaming experience with low fees and fast transactions. LuckyBlock has a variety of games, including slots, dice, roulette, blackjack, and poker.
- Stake: This site offers a sleek and user-friendly interface. Stake accepts Bitcoin and other popular cryptocurrencies like Ethereum, Litecoin, Bitcoin Cash, and more. You can also use USDT as a stablecoin option. The stake has a huge selection of games, including original titles like Crash, Mines, Plinko, and Limbo.
- Metaspins: This site aims to revolutionize the online gaming industry. Metaspins is built on the Polygon network and offers low fees and instant transactions. Metaspins has a unique feature called MetaSpinners, which are NFTs that represent different characters and themes. MetaSpinners can be used to play games on the site and earn rewards.
- Cloudbet: This is one of the oldest and most trusted crypto gambling sites in the market. Cloudbet was founded in 2013 and has been offering high-quality gaming services ever since. Cloudbet accepts Bitcoin and other major cryptocurrencies like Ethereum, Bitcoin Cash, Tether, USD Coin, and more. You can also use credit cards or e-wallets to deposit and withdraw funds. Cloudbet has a huge library of games from leading providers like Play’n GO, Pragmatic Play, Betsoft, and more.
These are some of the best crypto gambling sites of 2023 that you should check out if you want to have fun and win big with cryptocurrencies. These sites offer a variety of games, bonuses, features, and payment options for crypto lovers. They are also safe, secure, and reliable platforms that have been tested and verified by thousands of players around the world. | finance |
https://www.elderoptionsca.com/long-term-care-insurance/ | 2018-09-21T03:47:11 | s3://commoncrawl/crawl-data/CC-MAIN-2018-39/segments/1537267156780.2/warc/CC-MAIN-20180921033529-20180921053929-00254.warc.gz | 0.962178 | 951 | CC-MAIN-2018-39 | webtext-fineweb__CC-MAIN-2018-39__0__63610720 | en | What is Long Term Care Insurance?
My parents purchased a long term care insurance policy some years back. My father is in the hospital and my mother is worried about being able to care for him. I know Medicare will help with physical therapy, nurses’ visits, occupational therapy, speech therapy and/or a social worker for several weeks after discharge but know covered benefits are limited in scope and time. If the long term care insurance policy is a good one, it could help keep my father at home paying for additional care and supporting my mother as the primary caregiver too. Is long term care insurance something that can help them now?
Depending on the policy your parents purchased, this may be the time to file a claim for benefits. Long term care insurance evolved more than 15 years ago as a retirement planning tool for healthy individuals who recognized the limitations of public coverage for long term care. The original product was called “nursing home care” because in truth, it only covered someone if or when they entered a nursing home. Fortunately, policies these days offer coverage for community-based care including care in your own home, in an assisted living, while attending adult day care, or in a nursing home. In reality, long term care can be defined as care you’ve purchased to use in your older years for a long time. You can only qualify to use it when you’re unable to accomplish daily tasks on your own such as walking, bathing, eating, or living alone safely.
How do I see if my parents qualify for benefits?
If both parents have coverage, it is likely that there are two policies since policies normally are written on the individual. After you locate the policy, look for a number to file a claim. When you call, you will need the individual’s full name, date of birth, policy number and reason you are filing a claim. Note: If you cannot locate the policy but have the name of the insurance company and the policy number and/or the date of purchase, you still may be able to file a claim.
The insurance company will then determine eligibility by sending out a home health professional to assess the individual’s ability to complete activities of daily living or will send a form to be completed by the individual’s physician regarding the need for assistance in the home. This process may take several weeks before eligibility is established.
After reading my father’s policy, I believe he will qualify for benefits. Can I start services to help my father as soon as he is released from the hospital?
Yes, you can contract for help in your parent’s home with an agency that provides home care and if approved for benefits, the insurance company will normally recognize agency documentation. If the claim is approved, there may be an elimination period before benefits are paid.
What is an elimination period?
An elimination period is a deductible period that must be met before the insurance will begin paying benefits. A typical elimination period is 30-90 days. The individual is responsible for paying for care privately with documentation sent to the insurance company. Once the required number of days is met, the insurance company will send a letter to the policy holder approving benefit payments.
How are payments structured once the claim is approved and the elimination period is met?
Payments can be paid at a maximum daily rate i.e., $80/day or a capitated monthly rate of $2,500/month. Each policy should have a summary page at the beginning of the policy that details how benefits will be paid as well as the specifics of the elimination period.
How are these benefits different from those covered by Medicare?
Long term care insurance covers services not covered within Medicare. Examples are assisting with ambulation and transfers, meal preparation, supervision when memory impairment requires supervision, helping someone to eat, bathing and personal care. These activities are necessary for a person’s independence but are considered non-medical home care.
How long will the benefits be paid?
Once a claim is approved for benefits, the insurance company will pay monthly benefits as long as the policy holder is disabled and eligible for benefits. An annual re-assessment is common to assure the disability remains. The company will continue to pay for the life of the policy or until all benefits have been utilized.
Carol S. Heape, MSW, CMC is the CEO of Elder Options, Inc. She earned her BSW, MSW from California State University-Sacramento. She is a Certified Care Manager (CMC) earning her certification in the first year of the CMC through the National Academy of Certified Care Managers. | finance |
https://www.fonsecalaw.co.uk/blog/Patricks-Blog/2019/07/10/Your-guide-to-child-support-in-the-UK | 2019-09-20T09:29:19 | s3://commoncrawl/crawl-data/CC-MAIN-2019-39/segments/1568514573988.33/warc/CC-MAIN-20190920092800-20190920114800-00000.warc.gz | 0.967858 | 867 | CC-MAIN-2019-39 | webtext-fineweb__CC-MAIN-2019-39__0__81076619 | en | Your guide to child support in the UK
Child maintenance was introduced as the ‘The Child Support Act 1991’ because the government were concerned that single parents were not being supported enough, often resulting in child poverty. The government felt that parents should be financially responsible for their children, so introduced the act so that maintenance payments could begin.
Where possible, parents are now responsible for making payments to support their children, rather than the single parent relying on financial support from the government.
Below, we’ve put together a child support guide to help you get a better understanding of some key points.
What is child support?
Child support, or child maintenance, means regular financial support that is paid by one parent to another. This payment is made as a contribution towards the child’s everyday living costs and covers children who are under the age of 16, or under the age of 20 provided they are in full time education.
How do I apply for child support?
You can apply for child support yourself or apply through the Child Maintenance Service (CMS). The CMS is a ‘statuary child maintenance service’, and they can work out how much child support you should receive, and they are also able to collect payments.
The CMS is a government run agency with no ties at all with the court system. If you fail to agree the level of child maintenance that is to be paid, then either parent can apply to the CMS and ask them to conduct an assessment.
Child support agreements
In the best-case scenario, both parents will be able to agree on the level of financial support that the parent with full time care should receive. When an agreement between each parent can be amicably agreed, this generally causes less animosity and can cover various scenarios and expenditure. Many parents often agree to share all expenses, such as clothing, childcare fees, school trips etc.
If both parents agree on the amount of child support that should be received, then the level and frequency of payments can be recorded in a written document. If the agreement is more complex, or yearly increases are to be made, the document may need to be more thorough. The document does not have to be registered with the CMS, but if you have any queries regarding child maintenance it is worthwhile contacting the CMS to seek advice.
A child support agreement is most useful when both parents trust each other and are honest with their financial circumstances. However, it’s worth noting that a private agreement is not legally binding, so if one parent was to change their stance on the situation they will not be legally held to the terms of the agreement. In this case, it’s likely you’ll have to make an application to the CMS.
A court agreement is similar to a private agreement, however the agreement between each parent is recorded and approved by the court in the form of an order. This results in an agreement that is legally binding for at least 12 months. If one parent wishes to change the terms of the agreement, and the change cannot be agreed between each party, then either may apply to the CMS for a further assessment. This option is only available as part of a divorce or dissolution, and only by agreement.
Who pays child support?
The parent responsible for paying child support is the parent who doesn’t have day to day care of the child. It will be their responsibility to make child support payments to the parent who does have day to day care of the child.
There are 4 rates of child maintenance, and these rates are used with the paying parent’s financial income to calculate the weekly amount of child support that should be paid.
The government website offers a useful child maintenance calculator that you can use to estimate the amount of child maintenance that should be paid from one parent to another.
If you need guidance on any aspect of family law, or any of the other legal services that we offer here at Fonseca Law, then don’t hesitate to get in touch with us. Our expert legal team are on hand to offer the best advice possible. Call us today on 01495 303124, e-mail [email protected], or fill in our convenient online contact form. | finance |
https://www.nagdca.org/Best-Practices/NAGDCA-Notes/ArtMID/5428/ArticleID/2245/California-State-Teachers-Retirement-System-Ebook-Online-Enrollment-Kit%E2%80%9D- | 2018-12-12T20:45:59 | s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376824119.26/warc/CC-MAIN-20181212203335-20181212224835-00124.warc.gz | 0.956502 | 676 | CC-MAIN-2018-51 | webtext-fineweb__CC-MAIN-2018-51__0__218802951 | en | The California State Teachers’ Retirement System (CalSTRS) is the largest educator-only pension fund in the world. CalSTRS administers a hybrid retirement system, consisting of traditional defined benefit, cash balance, and defined contribution plans. CalSTRS serves California’s more than 896,000 public school educators and their families from the state’s 1,700 school districts, county offices of education and community college districts.
On average, CalSTRS members retire at age 62 after more than 25 years of service, with a defined benefit pension that replaces about 50 to 60 percent of their salary. For new educators, the CalSTRS defined benefit pension will replace about 50 percent of their final salary. Members will need to close any gap between their target retirement income goal and their CalSTRS retirement benefit with personal savings and investments. For this reason, CalSTRS created its voluntary supplemental savings, a defined contribution plan, known today as Pension2.
With Pension2, CalSTRS offers its members and classified employees of CalSTRS-covered employers an opportunity to supplement their defined benefit pensions through pre-tax or Roth payroll contributions to 403(b) and 457(b) plans. Pension2 provides low-cost, flexible investment options with free financial services like retirement saving planning calculators, access to financial advisors, and financial awareness workshops. Voya Financial works in partnership with CalSTRS staff as Pension2’s recordkeeper.
The primary goal of the Pension2 ebook was to create an online “enrollment kit” which would include all the information, tools and resources one might need to plan for and learn about retirement. Not only did it have to be informative and intuitive, it also had to be easy to use and pleasing to the eye. The goal was not to just to make information available on a website but to create an experience that members would come to appreciate and rely on.
The Pension2 ebook was rolled out in the first quarter of 2015 and continues to be a go-to place for members to get program information. Its theme is consistent with other Pension2 materials, bringing a sense of familiarity and belonging. The ebook includes the following:
• Welcome and why Pension2
• Five reasons to start today
• Plan Highlights
• What kind of investor are you?
• Tools, calculators, and videos
• How to contact us
During the fall 2015 campaign, 9,331 accessed the ebook to learn more about Pension2 and 2,741 users interacted with the savings widget and visualized how their savings could grow. 570 people enrolled in Pension2, which accounted for 34 percent of all new enrollments from January 2015 to November 2015.
For the September through December 2015 timeframe, 10,413 people accessed the ebook, 8,938 of them unique. CalSTRS was also able to track the specific pages users interact with, allowing them to gauge interest within the site.
In this increasingly digital age, CalSTRS continues to look to the Pension2 ebook as a primary method of information delivery for its members and uses its flexibility in campaigns to help people get on a path to a more secure financial future.
To view and learn more about CalSTRS ebook online enrollment kit, visit voyadelivers.com/calstrs/ebook. | finance |
https://laptophit.com/how-to-make-money-podcasting/ | 2023-06-04T20:36:40 | s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224650264.9/warc/CC-MAIN-20230604193207-20230604223207-00487.warc.gz | 0.949189 | 4,978 | CC-MAIN-2023-23 | webtext-fineweb__CC-MAIN-2023-23__0__27449673 | en | Podcasting could be converted into a profitable venture, as long as you have a clear idea of your target audience, consistent content production, and effective marketing strategies.
Whether you’re passionate about sharing your knowledge or want to tell captivating stories, podcasting offers endless possibilities for creativity and success. So why not take the plunge and start exploring this exciting medium?
With dedication and hard work, you could be the next big thing in podcasting! Transform your podcast into a profitable enterprise with ease. Since you already possess the product, all that remains is to utilize it for financial gain.
This article will demonstrate the exact steps required to generate income through podcasting in an efficient and speedy manner. Without further ado, let us commence.
Can you really make money podcasting?
Definitely. However, it is important to note that we do not expect your podcast to generate immediate profits. Like with any endeavor, you will need to invest time and effort in order to achieve success.
Making your podcast profitable is closely related to utilizing your personal or podcast brand, which will undoubtedly be advantageous for you in the future. If you have a dedicated audience, there are several ways to generate income from podcasting.
How Do Podcasts Make Money?
There are numerous ways to earn money from your podcast, which is the most fascinating aspect of monetization.
It’s important to remember that various ways of making money are more suitable or efficient during different phases of growth. A strategy that’s successful for a well-established, widely known podcast may not be as feasible for a new one, and that is acceptable.
To attract advertisers, broaden your audience.
It should be obvious that if your podcast has a significant number of loyal followers, including advertisements in your episodes is a smart move. Businesses are willing to pay a high price to reach out to your audience through their ads.
Podcasters who have a limited number of listeners should focus on expanding their audience before they can attract sponsors. With sufficient effort, promoting their brand and generating positive word-of-mouth buzz, this increase in listenership will occur naturally.
Earning income through the inclusion of advertisements and sponsorships within a show.
Sponsorships and advertising contracts are highly profitable and demand minimal effort on your end (except for finalizing the arrangement, of course). As these brands and businesses compensate you for promoting their products, the greater your audience size, the larger payment they are prepared to offer.
If you are a podcast listener, you may recognize the familiar line “brought to you by xy and z”, which indicates sponsorship.
Several podcasting advertising companies exist to facilitate connections between podcasters and advertisers. These companies oversee the practical aspects and management for a cost.
If you run a podcast that caters to a particular audience, consider contacting businesses that specialize in that niche. You might discover a valuable collaboration opportunity.
At what point should I begin considering making money from my podcast?
The choice is yours as to how you want to approach the financial aspect of your podcasting venture, whether it be more of a hobby or a serious business endeavor.
Do you want to earn some extra cash from your podcast or do you want it to contribute significantly to your income? Depending on your answer, you will need to decide when and how to monetize your podcast.
Ultimately, the starting point of your podcast doesn’t hold much significance. However, as previously stated, the growth stage of your podcast may determine the varying opportunities available to you.
There are twelve methods to generate income from a podcast.
1. Ask for donations
There is a common phrase that suggests requesting something is necessary for receiving it. One way to earn money through your podcast is by simply asking your audience for donations.
Your loyal listeners may choose to donate through platforms like Patreon or PayPal to help support your podcast.
2. Offer paid membership tiers
By offering different pricing tiers with varying levels of access and perks, you can cater to different levels of commitment from your fans and increase revenue.
It’s a win-win situation as your fans are happy to pay for exclusive content, and you earn money from providing it. I’m sorry, but there is no paragraph provided to paraphrase. Please provide the original paragraph.
A membership program is beneficial for podcasters who prefer not to associate with brand partnerships as it allows them to maintain their independence while still making money from their podcast.
In other words, if you have already secured a profitable advertising agreement, you could provide a choice for your paying subscribers to enjoy your content without any ads. It just takes determination and effort to make it happen.
What are Podcast Memberships
In simpler terms, a podcast membership is a subscription that offers a more personal touch. This means that your audience will pay a set fee on a regular basis to receive unique content and features.
Having podcast memberships can be a beneficial means of obtaining a steady financial flow and also enhancing the feeling of belongingness within your audience. It’s a mutually advantageous situation in our opinion.
Podcasts that have a dependable fan base who frequently keep up with and interact with your content are most suitable for a membership framework.
Ways to Generate Revenue from a Podcast through Memberships
Make sure that your membership is beneficial and valuable.
It is possible that many people who listen to your podcast will show their support due to their kind intentions towards you and their belief in the potential success of your podcast. However, you should not solely depend on this support.
Ensure that your audience perceives the offer as advantageous when you request them to make recurring payments.
Produce additional or superior material for individuals who have subscribed to your service.
You have the freedom to be inventive and enjoy designing special content for those who belong to your membership program. The workload involved in crafting such content can be adjusted according to your preferences.
You have the option to film more episodes and allow your members to view your recording process live, or ask for their input on future content. The decision ultimately depends on what you believe your audience would be interested in paying for.
Create tiered memberships
One option is to provide varying tiers that include increasingly impressive benefits and exclusive advantages. This accommodates a range of price ranges and may entice individuals with limited funds to become members.
A basic subscription may involve a small charge in exchange for a straightforward announcement on your program, while a premium membership provides the opportunity for your audience to attend live events and interact with you directly, either in person or virtually.
Consider becoming a member of Apple’s Podcasters Program to offer subscriptions for sale via Apple Podcasts. Alternatively, you could establish membership options using Patreon.
3. Get sponsorships or sell ads
If you have a significant number of followers or focus on a specific group of listeners, it should be relatively easy to obtain sponsorship or advertising agreements.
If you are selling a sponsorship or advertisement, you are essentially offering time for promotion before, during, or after your episode. The most sought-after and consequently high-priced ad placement is mid-roll because it is less likely for your listeners to skip through it.
Post-roll, being the least impactful form of placement, is comparatively inexpensive due to the fact that majority of the audience tends to discontinue listening or move on to the next episode.
There exists two common categories of advertising in podcasts:
The host promotes the product. As the host, you can discuss and showcase the product or service without causing disruption to the overall flow of your episode. This approach may be less intrusive.
Pre-recorded ads. The advertiser who purchases the slot for an advertisement gives you a previously recorded commercial. Your role is to incorporate the recording into the specified quantity of episodes.
4. Join an advertising network
Podcast Advertising Networks like Midroll are here to simplify your life. They facilitate the connection between podcast hosts and potential brands and sponsors, thereby eliminating the need for you to put in the effort of finding them on your own.
5. Sell repurposed content
After investing your time and effort in making a podcast that contains valuable and insightful content, it is crucial to maximize its benefits. Consider transcribing your podcast, which is made easier with Riverside’s automated transcription function, as it can be repurposed for future use.
After obtaining a transcript of your podcast, you can transform it into an article and attempt to present it to well-known publications that cater to your specific field of interest.
6. Syndicate your show to YouTube
To syndicate your podcast to YouTube means to change its format and make it available as a video on the YouTube platform. While it is effortless to record a video podcast using Riverside.fm, if you are unable to do so, there is no need for concern. You can instead upload your podcast episode’s audio along with the cover art for your podcast as the video’s image.
What is the YouTube Partner Program?
The YouTube Partner Program provides an opportunity to earn money from your YouTube content, as well as access to additional YouTube tools and options.
One can earn money through a podcast by utilizing the YouTube Partner Program.
audience and earning revenue. However, it should be noted that meeting specific criteria, including meeting a minimum number of subscribers and viewers, is necessary to become a part of the YouTube Partner Program. By uploading your podcast on this platform, you can expand your audience reach and generate income. There may be members in the audience who do not use traditional listening platforms for podcasts.
You can earn revenue by creating podcasts and uploading them on YouTube.
Advertising Revenue. You will receive a share of the income generated from advertisements that are shown before, during, or alongside your content.
Channel Membership. Analogous to the process of establishing levels of membership, podcast users have the option to make monthly payments in exchange for additional benefits and limited access content.
Sell your merch. By using your channel, YouTube provides the opportunity for you to earn extra income by selling merchandise that bears your brand.
YouTube Premium Revenue. If a viewer who has subscribed to YouTube Premium watches your content, you will receive a share of the amount they paid for their subscription.
7. Sell merchandise
It can be a successful source for the podcast creator, and secondly, it serves as a form of advertising for the podcast as anyone who wears or uses the merchandise becomes a walking billboard.
It’s no wonder that branded merchandise is so popular among everyone. As long as you’ve got an identifiable logo or artwork, you can quickly create various items such as t-shirts or coffee mugs.
The great thing about creating podcast-related merchandise is that it can serve two purposes at once. Firstly, it provides extra income for the podcaster through product sales, and secondly, it acts as an advertisement for the podcast because anyone who wears or uses the merchandise becomes a mobile advertisement.
It’s not surprising that there’s such a high demand for branded gear among people. One benefit of giving away branded t-shirts to your podcast listeners is that it is a cost-free marketing strategy. By simply wearing the shirt, they are advertising your podcast in a subtle manner.
There are various types of products and merchandise related to podcasts.
Joe Rogan’s merchandise The products available vary from t-shirts and socks to duffel bags and beach towels.
8. Public speaking
After podcasting for a certain period and gaining credibility in your field of interest, you can begin to request payment for speaking engagements.
9. Create a paid e-course
If you have an educational or informative podcast, you can make money from it by creating an e-course. You don’t need to spend a lot of money to create one. You can easily use your podcast content and add a few more details to make an e-course. Valuable suggestions, techniques and useful guidance.
The reason why people are keen to purchase E-courses is that they offer concrete outcomes. They have a clear understanding of what they are investing in and the benefits that come from it.
Moreover, since you already have a captive audience, there is a high probability that many individuals will be interested in taking your course immediately after it is released.
10. Sell content upgrades
One can earn some money easily and swiftly by providing content upgrades such as specific resources or downloadable aids to accompany their podcast. The upgrade should be relevant to the podcast episode’s subject matter and contribute positively to the listener’s encounter.
As an illustration, suppose your podcast episode focused on “ending procrastination”, you could provide a practical set of steps or a list to assist your audience in putting your recommendations into practice.
11. Events and conferences
Organizing events and conferences is an excellent means of building bonds with your audience, generating income from your podcast, and fostering a sense of unity within your community.
Making money from your podcast through organizing a large event is a more ambitious and expansive approach. This method is ideal for well-established podcasts that have the ability to coordinate a significant event.
After building a loyal audience and establishing your brand in the world of podcasting, you can consider taking the next step by organizing a larger event that requires tickets for admission.
The primary draw for most of your supporters will be the opportunity to meet you and any other hosts in real life. The type of gathering or occasion you organize will vary depending on the theme and target demographic of your podcast.
If your podcast content is meant to be informative, you could think about featuring seminars, training sessions, or group conversations. On the other hand, if you’re specifically doing comedic content, performing a stand-up comedy routine could be a good idea.
Given the current situation with COVID-19, it may not be feasible to hold a podcast event or conference in person. However, you could explore the option of organizing an online event or live broadcast instead.
12. Sell consulting or coaching services
After establishing oneself as a successful podcast host and demonstrating expertise in the field, one may begin providing consulting or coaching services to other podcasters.
This will entail offering guidance to other podcast creators on the most efficient ways to increase their audience, promote, and make money from their podcasts.
Are you someone who prefers visual aids? If so, then you might want to see this video demonstration on how to earn money from your podcast.
5 rapid and highly efficient strategies to earn money from your podcast
1.Create a podcast with high-quality production.
a need to ensure that your podcast has a professional touch and is of a high quality if you aim to earn money from it, secure profitable partnerships and utilize your brand effectively. You’ll be able to gain the commitment and support of potential sponsors and listeners only if your podcast meets their expectations. There’s nothing more frustrating than having low-quality sound or unimpressive editing that hinders your abilities.
2. Build a community
Prior to considering how to make money from your podcast, it is imperative to consider your listeners and the community that surrounds your podcast. The audience and community are extremely valuable assets for any podcaster.
It’s not only about having a large number of followers. While building a significant audience is important, it’s essential to create a feeling of belonging and establish personal connections with them.
generate more revenue from your podcast through advertising and sponsorships by fostering a loyal following who supports both you and your show.
In addition, when listeners are engaged and invested in your content, they may be more inclined to respond favorably to any advertisements or affiliate links incorporated into your episodes. Increase the cost of advertising on your platform.
3.consider the type of monetization that will be suitable for both you and your audience.
Different podcasts need different approaches to make money, depending on their audience and the nature of the podcast. Understanding these factors is necessary for effectively monetizing your podcast.
variety of sponsorship deals might work well. On the other hand, if you run a podcast about personal finance, creating an online course or offering consulting services could be more viable monetization options. It is crucial to understand your audience and tailor your monetization strategy accordingly.
If you are a teacher or coach, the opposite may be true, and a sponsorship agreement may not be as beneficial.
4.Consider expanding your brand by being accepting of a variety of opportunities.
In a perfect scenario, your podcast would yield earnings directly from sponsors and advertisements without any further complications. However, this isn’t always feasible, particularly if you have a limited listener base.
If your goal is to earn profits through podcasting, it’s crucial to consider alternative sources of income that involve expanding your brand and the content you provide.
Examples of this could include offering online courses, coaching services or creating more podcast episodes. This offer is only available to those who are subscribed. Expand your thinking beyond conventional methods.
5. Find a middle ground and not hesitate to decline requests.
You don’t want to compromise the integrity of your podcast just to earn some extra cash. If you’re struggling financially or have a limited budget, any opportunity to generate income through your podcast can be incredibly helpful.
However, it’s important to remember that you understand your podcast and its audience better than anyone else. It’s crucial to find a balance between earning money and maintaining the authenticity and relevance of your podcast for your listeners.
You should avoid sacrificing the quality or values of your content in order to make more money from it. You should prioritize your podcast’s integrity above all else.
Trust your instincts and don’t hesitate to decline a deal or partnership that doesn’t feel right. You’re likely to find a more suitable opportunity soon enough.
What is Affiliate Marketing for Podcasts
You can earn money by promoting and selling products as an affiliate.
To promote affiliate products to your audience, you have to advertise them as usual. The difference, however, is that instead of getting paid for simply featuring the advertisement, you receive payment based on the number of people who actually buy the product that you are promoting.
Affiliate sales may not be a dependable source of income due to the uncertainty of how many customers will actually purchase the product being promoted.
How to Find Affiliate Sponsors
It is not always necessary to finalize a partnership agreement before promoting affiliate products on your podcast.
to establish an affiliate relationship. With so many options available, it’s important to carefully consider which program will best suit your needs and fit with your brand.
There are numerous affiliate programs that can be easily accessed. A simple internet search can yield many options, but some of the most favored ones are Amazon Associates and Skillshare.
Another option is to connect with brands that align with your target audience and attempt to build an affiliate partnership. Because of the variety of choices, it’s essential to carefully evaluate which program would be most suitable for your requirements and align well with your brand identity. Establishing a unique relationship with an affiliate.
One way to make money from a podcast is by using affiliates as sponsors. Here are some tips on how to do it: First, find affiliate programs that are related to your podcast’s subject matter or niche.
Next, look for affiliate products or services that you use and can genuinely recommend to your listeners.
Then, promote the affiliate sponsor in each episode and provide a unique link or promo code for listeners to use when purchasing the product/service. Finally, track the results of the affiliate program and continually adjust your approach based on feedback and success rates.
When you advertise an affiliate product on your podcast, it’s like taking a risk and wishing that the product will connect with your audience. Ideally, many listeners will buy the product and you’ll receive a considerable commission from their purchases. Buying.
How to Promote Your Affiliate Links
In your podcast, you have two options for promoting the affiliate product. You can either mention it casually during the episode if it aligns with your topic or create a separate segment solely dedicated to it.
It’s important to provide your listeners with the affiliate link, which can be shared verbally during the podcast. In addition to incorporating it into your show notes and podcast transcript.
Important tip: Inform your audience about receiving a commission from their purchase.
How Much Money Do Podcasters Make?
There is no definite amount that podcasters earn, as it largely depends on the popularity of their podcast. Ideally, podcasts with more downloads or listeners have a greater earning potential.
If you want to understand the typical income of a podcaster, it would be helpful to refer to our article that covers how much money podcasters usually earn.
Who Are The Highest Earning Podcasters?
Forbes reports that the individuals who make the most money from podcasting are:
Joe Rogan of The Joe Rogan ExperienceEarning $30 million every year and having 190 million downloads per month.
Karen Kilgariff and Georgie Hardstark from My Favourite Murder have 35 million monthly downloads and make $15 million every year.
Dave Ramsey, the host of The Dave Ramsey Show, has a staggering amount of 13 million listeners tuning in each week and an annual income of $10 million.
Frequently Asked Questions Related to Earning Money from Podcasting
How do you monetize a podcast?
We have observed that earning money through podcasting is not as challenging as it may seem. There are several options available to monetize a podcast; however, it requires dedication and efforts to achieve success.
It’s important to keep in mind that just because a certain strategy or approach works well for another podcast, it may not necessarily be effective for your own podcast.
Are podcasts profitable?
There are several ways to monetize a podcast, such as ads, sponsorships, merchandise sales or even crowdfunding campaigns. If you have a passion for a specific topic and the skills to produce great content, creating a successful podcast can become your main source of income.
There are podcasters who have become well-known and are earning millions from their podcasts. However, not all podcasters find it easy to make money from their shows, especially if they are just starting out.
Despite this, it is possible to earn a decent profit from podcasting provided that one has a large audience. Committed to implementing different approaches for making money.
What is the minimum number of downloads required to earn money from my podcast?
To make money from your podcast, it is beneficial to have a larger audience or a smaller yet devoted group of listeners.
Despite that, there are methods for less popular and smaller podcasts to begin earning revenue.
What is the expense for initiating a podcast?
The expense of podcasting is entirely up to you. If you have a lot of money and are willing to spend it on a high-quality setup, the cost will be high. However, if you’re just interested in giving podcasting a try, you can get started for very little money.
Do podcasts on Spotify make money?
enable podcasters to earn money directly from their listeners. Simply put, podcasts on Spotify are a lucrative business opportunity that can generate revenue for creators through various methods such as sponsorships, advertisements, and affiliate marketing.
Additionally, a new podcast monetization scheme has been launched by Spotify (restricted to the United States currently) which allows podcasters to earn money directly from their audience. The platform allows podcasters to generate direct income.
By utilizing this scheme exclusively offered by Anchor, which is a podcast hosting service, you can optimize your podcast earnings by offering paid memberships.
Is podcasting a good way to make money?
Using podcasting as a means to generate income can be effective. Certain famous podcasters earn millions annually, but this isn’t the reality for all. It demands a significant amount of effort and not all are able to rely on podcasting as their primary source of income. | finance |
http://thessdguy.com/tag/helium/ | 2017-04-28T19:52:40 | s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917123048.37/warc/CC-MAIN-20170423031203-00220-ip-10-145-167-34.ec2.internal.warc.gz | 0.952495 | 426 | CC-MAIN-2017-17 | webtext-fineweb__CC-MAIN-2017-17__0__17401641 | en | The SSD Guy was recently asked whether HDDs would continue, at least through 2019, to remain preferable to SSDs as cost-effective high-capacity storage. The answer was “Yes”.
Longtime readers will note that I steadfastly maintain that HDD and SSD gigabyte prices are unlikely to cross for a very long time. Historically, a gigabyte of NAND flash has cost between ten to twenty times as much as a gigabyte of HDD. Let’s look at where Objective Analysis expects things to go by 2019.
Our current projections call for NAND price per gigabyte to reach 4.4 cents in 2019. I would expect for HDD to still be 1/10th to 1/20th of that price. Most likely 1/10th, since we expect for NAND flash to be in a significant oversupply at that time and will be selling at cost.
If HDD prices continue to hover around $50, then a 2019 HDD price of 0.44 to 0.22 cents per gigabyte (1/10th to 1/20th of the price of NAND flash) would imply an average HDD capacity of 11-23TB.
A couple of weeks ago, on December 2, 2015, Western Digital’s HGST introduced its Continue reading
Earlier this month Western Digital’s HGST division invited The SSD Guy to a launch of a number of products. On the HDD side there were:
- 6TB air HDD, HGST’s last air-filled enterprise HDD
- 8TB helium HDD, an incremental upgrade of last year’s 6TB helium HDD
- 10TB shingled helium HDD (pictured)
I view these as very solid evidence that HDD costs will continue to stay an order of magnitude cheaper than SSD costs, thwarting the price-per-gigabyte crossover that others have been predicting for years.
In fact, since my last post on the price crossover in 2011, very little has changed.
It’s safe to assume that the HDD industry will Continue reading | finance |
https://www.seacoastbank.com/blog/business-bank-account | 2020-01-18T06:40:16 | s3://commoncrawl/crawl-data/CC-MAIN-2020-05/segments/1579250592261.1/warc/CC-MAIN-20200118052321-20200118080321-00414.warc.gz | 0.948818 | 582 | CC-MAIN-2020-05 | webtext-fineweb__CC-MAIN-2020-05__0__148824937 | en | Did you know that if you do independent contractor work, even casual 1099 work like Uber driving, you should have a business bank account? Or maybe you know your established business should have its own bank account, but your frustrations with business checking options led you to keep using your personal account?
If you have an LLC or corporation, it must have its own bank account in its own name. An LLC or corporation is a separate legal entity from you, so it isn’t proper to put its money into your personal bank accounts even if you’re the sole owner.
Instead, you should accept all business payments into and pay all business expenses from your business bank account. When it’s time to pay yourself, write yourself a check or set up direct deposit.
If you mix your business money with your personal money, a court could decide that you weren’t really operating as an LLC or corporation. If that happens, you could lose the legal protections you thought you received by incorporating.
It’s Required for All Business Types
Even if you’re a small sole proprietor, you still need a separate business account. Federal law gives different protections to personal and business bank accounts, so you need to open the right bank account to protect your rights in the event you have to dispute something on your account.
Your bank account terms also probably state that you can’t use personal accounts for business reasons. Banks do this to make sure they follow federal law and to give you the proper services and pricing. If you don’t follow your account terms, your bank may close your account which could disrupt your business if you suddenly can’t receive payments or pay your vendors.
It Makes Your Accounting Easier
Having a separate business bank account also makes your accounting easier. Whether you use automatic import to your bookkeeping software or send everything to your accountant, you won’t have to waste time separating out your personal transactions.
You’ll also have a clean, easy-to-understand set of financial records to use if you apply for a business loan, decide to sell your business, or get audited by the IRS. In addition, you won’t lose privacy by having your personal transactions placed under the microscope when your business transactions are reviewed.
Business Accounts Offer More Services
Business bank accounts aren’t just a must. They also give you additional benefits.
One of the most important features is limiting what access employees have to your accounts. You can decide who has check-signing authority, who can only make deposits, and who can use a debit card. You can also set limits on debit card use.
Depending on your account tier, you may also receive benefits such as unlimited transactions, earning interest on your cash reserves, and lower-cost cash and change processing. | finance |
http://www.stjohnsbreck.org/legacy-society-endowment-fund | 2019-10-21T05:34:08 | s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570987756350.80/warc/CC-MAIN-20191021043233-20191021070733-00399.warc.gz | 0.938701 | 827 | CC-MAIN-2019-43 | webtext-fineweb__CC-MAIN-2019-43__0__25418017 | en | Legacy Giving Ministry at St. John's
“The true meaning of life is to plant trees, under whose shade you do not expect to sit.” (Nelson Henderson)
"All you have shall some day be given; therefore give now, that the season of giving may be yours and not your inheritors'." (Kahlil Gibran)
Making a legacy gift is a powerful witness of faith, love and gratitude. This type of gift recognizes the heritage left by those who came before us, and acknowledges that we bear a responsibility to future generations to insure the continuation of God’s work within and beyond St. John’s.
How will my gift be used?
In order to be faithful stewards of all that Christ has given us, St. John’s has established a Permanent Endowment Fund. This fund and its operation are managed by the parish Endowment Committee with oversight by the Vestry, in accordance with the parish bylaws. The “principal” of the endowment gifts are permanent and only a small fixed percentage may be used at the discretion of the Vestry. The funds are carefully invested and accumulated earnings are used for purposes beyond those of the annual operating budget.
Should I leave a legacy gift to St. John’s?
A legacy gift is often the largest gift a person can make, so it is important to take time to make a prayerful and thoughtful consideration of the legacy you would like to leave. Individuals of all income levels make planned gifts to accomplish their charitable purposes. This type of gift speaks to intention and generosity more than net worth.
A Gift of Gratitude, a Legacy of Faith
This journey starts by reflecting with gratitude and wonder on the abundance God has bestowed upon you during your lifetime. While in the presence of God, ask the Holy Spirit to reveal to you the people and institutions that helped you find your purpose and gave meaning to your life. Ask yourself:
- Which institutions do I want to see prosper in order to serve and uplift the next generation?
- What areas of ministry resonate with my gifts and passions, and have blessed me, my family, and others?
Next, ask for the Holy Spirit’s guidance in creating a financial plan that honors these institutions and ministries. Your legacy gift will glorify God and bless others by making a difference in the future of a ministry that you have cherished and supported during your lifetime.
How do I leave a legacy gift to St. John’s?
There are many creative ways to make a legacy gift. Among them...
A. Make a bequest in your will or trust. You may choose to donate a percentage or a specific dollar amount.
B. Name the Church as a beneficiary of a life insurance policy.
C. Name the Church as a beneficiary of a retirement account (e.g. IRA, 401k or 403b).
D. Charitable gift annuity or charitable remainder trust. These types of gifts offer the donor guaranteed lifetime fixed income payments and may offer significant tax savings.
E. A charitable lead trust offers significant estate tax benefits.
F. Cash gifts. These types of gifts provide a tax deduction and are easy to make if you have liquid assets that are not needed now.
G. Appreciated stock, securities, real-estate & tangible personal property gifts may offer significant tax benefits.
*To make a legacy gift, consult with your your lawyer and/or tax/financial consultant.
Legacy gifts state that I believe my Church should continue into the future as an expression of what has been meaningful in my life and as my blessing upon the next generation.
What resources are available to help guide me through this process?
Members of St. John’s Legacy Committee
Trusted family advisors (CPA, Attorney, Financial Planner, Insurance Agent)
Below: Bishop Rob with St. John's parishioners Spotswood, Charlotte, and Jim at the annual Legacy Society Lunch, 2016. | finance |
https://fentonkeller.com/newsletter/offers-in-compromise-settling-tax-debt-with-the-irs/ | 2019-04-25T08:27:44 | s3://commoncrawl/crawl-data/CC-MAIN-2019-18/segments/1555578711882.85/warc/CC-MAIN-20190425074144-20190425100144-00009.warc.gz | 0.950467 | 596 | CC-MAIN-2019-18 | webtext-fineweb__CC-MAIN-2019-18__0__13189334 | en | IMany taxpayers are finding it difficult or impossible to pay their tax liabilities. In many cases, their tax liabilities are growing quickly as interest and penalties accrue. Ultimately, the IRS will attempt to levy their assets or garnish their wages. In certain situations, however, the IRS may agree to substantially reduce a taxpayer’s tax debt. Taxpayers may submit an “Offer in Compromise” to the Internal Revenue Service seeking to have their tax liability (including penalties and interest) reduced.
Generally, the IRS will not accept a proposed decrease in tax liability if it concludes that it can reasonably collect the full amount of the tax liability. In order for the Internal Revenue Service to make this determination, it requires that the taxpayer seeking the Offer in Compromise submit financial statements showing assets, liabilities, income and expenses. The IRS also considers the taxpayer’s potential for future income and allows for certain basic living expenses in determining the reasonableness of an Offer in Compromise. If the IRS concludes that the reasonable collection potential for a certain tax liability is greater than the amount offered, it will reject the Offer in Compromise.
The IRS may accept an Offer in Compromise on three grounds:
- Doubt as to collectability. If it is doubtful that the taxpayer could ever pay the full tax liability owed within the remainder of the statutory period for collection, then the IRS is likely to allow the taxpayer to pay a lower amount in full satisfaction of the tax liability.
- Doubt as to liability. If there is a reasonable possibility that the assessed tax liability is not accurate, the IRS may agree to accept a lower amount. For example, if the taxpayer can establish that the IRS has made an error or the taxpayer has new evidence in favor of its position, the IRS will consider these facts.
- Exceptional circumstances. Even if there is no doubt that the assessed tax is correct and there is potential to collect the full amount of the tax owed, in certain exceptional circumstances the IRS will still consider an Offer in Compromise. In order to obtain an Offer in Compromise due to exceptional circumstances, the taxpayer must establish that the collection of the tax would create an economic hardship or would be unfair and inequitable.
In certain instances, if the Internal Revenue Service rejects an Offer in Compromise, it may propose a higher settlement figure. For taxpayers facing significant tax liability, an Offer in Compromise may provide much needed financial relief. Although the criteria are somewhat different, similar tax relief is also available from the Franchise Tax Board and Board of Equalization. To schedule a consultation to explore the possibility of seeking an Offer in Compromise, please contact Troy Kingshaven, Esq. at (831) 373-1241.
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Back to Newsletter Menu | finance |
http://www.blowingrockrealty.com/article.php?table=article&mode=search&archived=false&type=views&article=208 | 2018-11-13T22:09:49 | s3://commoncrawl/crawl-data/CC-MAIN-2018-47/segments/1542039741510.42/warc/CC-MAIN-20181113215316-20181114001316-00312.warc.gz | 0.972188 | 390 | CC-MAIN-2018-47 | webtext-fineweb__CC-MAIN-2018-47__0__214230706 | en | What's Your Property Worth?
One of the recent trends in real estate has been for national websites like Zillow and others to offer “automatic” valuations of your property. When we real estate professionals have challenged their numbers or asked how in the world they came up with their valuations, they have mumbled something about “complicated computer-generated algorithms”.
Our local High Country real estate market is quite unusual in that, unlike big cities, we seldom have two properties that are exactly alike. Even homes that are right next to one another may have completely different views or lot terrain. Seldom has a whole development been built at the same time. Immediately adjacent subdivisions or neighborhoods may be surprisingly different. An “automatic” valuation system or “algorithms” cannot take these varying conditions into account. For that, you need a real, live, experienced real estate professional who is familiar with the nuances of the local market.
To help you establish an appropriate asking price for your property, I would prepare a Comparative Market Analysis Report (a “CMA”) that would look at similar properties that have sold within the past year and others that are now on the market that would be likely to be shown with your property. I would select comparable properties that would appeal to a similar buyer. CMAs differ from appraisals by considering on-the-market properties as well as sold properties. There is no charge for this helpful report and information.
If you are a Buyer and I am representing you as your Buyer’s Agent, I would prepare a similar market evaluation for you for property you are considering purchasing. Again, there is no charge for this personal service.
So, while “automatic” valuations are increasingly available, they are still not as reliable as your friendly real estate agent! I’m here to help! | finance |
https://www.kirmizikedi.com/kitap/urun/e2d523f6c7d94482a04cef5d64c73994 | 2021-06-24T12:20:15 | s3://commoncrawl/crawl-data/CC-MAIN-2021-25/segments/1623488553635.87/warc/CC-MAIN-20210624110458-20210624140458-00093.warc.gz | 0.933931 | 473 | CC-MAIN-2021-25 | webtext-fineweb__CC-MAIN-2021-25__0__127395977 | en | Deriving income from the customers in a state without any physical presence in the state is the main feature that distinguishes digitalised businesses from the traditional businesses. It is a well-known fact that under the current traditional taxation rules, the business income of a non-resident enterprise would be taxable only the state in which enterprise is resident, unless it has a PE in the market state. In a case where the non-resident enterprise has a PE in the market state, then only income that is derived from that PE and it is attributable to it would be taxable in the market state. However, the traditional PE definition is entirely based on a taxable physical nexus which does not allow it to catch the income derived (i) from a country without any physical presence and (ii) from innovation new concept of value creation. This situation has triggered a political and academic discussion about how international taxation can be reformed to provide a "reasonable and stable system for taxing profits of MNEs in the 21st century".
Policymakers in all levels are currently struggling to find sustainable solutions which can ensure effective and fair taxation for taxpayers and tax authorities. In this regard, while some states have already taken some measures to tax the provision of some sort of digital services and goods by implementation Digital Service Taxes unilaterally, creating a new nexus ( Digital PE), allocating taxing right based on value creation and rethinking of profit allocation methods are the remain main subjects on the agenda of competent authorities.
This book is grouped into four parts:
The first part deals with the traditional permanent establishment concept by considering the OECD Model Convention and some international court cases.
The second part address the multilateral and unilateral measures regarding the taxation of digital economy and specific to the permanent establishment issue.
The third part of this book is focused on Value Creation in digital economy by providing some business models specific to the use of data.
The last part of this book aims to give a summary of the present and the proposed relevant profit allocation methods for taxation of digital economy.
|Basım Tarihi||:||Ocak 2021|
|Basım Yeri||:||Türkiye / İstanbul|
|Boyutlar||:||16,00 x 23,50 cm|
|Kağıt Tipi||:||2. Hamur| | finance |
https://online.nursing.georgetown.edu/admissions/financing-your-degree/tuition-assistance-scholarships-and-loan-forgiveness/ | 2018-06-22T10:55:05 | s3://commoncrawl/crawl-data/CC-MAIN-2018-26/segments/1529267864391.61/warc/CC-MAIN-20180622104200-20180622124200-00576.warc.gz | 0.930788 | 190 | CC-MAIN-2018-26 | webtext-fineweb__CC-MAIN-2018-26__0__118713849 | en | Tuition Assistance, Scholarships, and Loan Forgiveness
A master's degree is a substantial financial investment. There are numerous funding opportunities and nursing scholarships available to Nursing@Georgetown students, which we encourage you to explore:
- Federal Student Aid
- Graduate PLUS Loans
- Nursing Education Loan Repayment Program
- Public Service Loan Forgiveness Program
- National Health Service Corps Scholarships and Loan Options
- Nursing Scholarships and Nursing Grants
- Scholarships for Minority Students
- State-by-State Scholarships
- Georgetown University Office of Student Financial Services
In addition to these options, many health care organizations support their employees by offering tuition assistance for graduate nursing education. We encourage you to independently research funding opportunities that may be available to you through your employer, local agencies, or private organizations.
If you would like to know more about third-party billing and tuition benefits, contact the Office of Student Accounts. | finance |
https://kvahealth.co.uk/industry-insights/web3-and-blockchain-demystifying-the-lingo | 2023-12-01T09:14:20 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100286.10/warc/CC-MAIN-20231201084429-20231201114429-00065.warc.gz | 0.948599 | 2,366 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__109510623 | en | If you are new to Web3, you may be feeling overwhelmed by all the buzzwords and jargon that are used to describe this new technology. But don't worry, you are not alone. Many people are just starting to learn about Web3, and it can take some time to understand all the different concepts and terms.
This blog post will help to explain some of the most common Web3 buzzwords, including terms like decentralised finance (DeFi), decentralised applications (dApps), and non-fungible tokens (NFTs). By the end of this blog, you should have a better understanding of these terms and how they are being used in the world of Web3, blockchain and cryptocurrency.
The metaverse is a term used to describe a collective virtual shared space, created by the convergence of the physical and digital worlds. It is a concept that is often associated with science fiction, but is increasingly being discussed in the context of emerging technologies like virtual reality (VR), augmented reality (AR), and blockchain. The metaverse is seen as a potential future where people can interact with each other and with digital objects in a fully immersive and interactive online environment. It is envisioned as a global digital platform that will allow people to create, share, and experience a wide range of virtual experiences.
A blockchain is a digital ledger of transactions that is distributed across a network of computers. Each block in the chain contains a record of multiple transactions, and once a block is added to the chain, it cannot be altered.
This allows for a secure and tamper-proof way to store and transfer data without the need for a central authority.
Non-fungible token (NFT)
A NFT is a non-fungible token, which is a unique digital asset that represents ownership of a digital item, such as a piece of artwork or collectible. Unlike traditional cryptocurrencies, which are interchangeable and have the same value, NFTs are unique and cannot be replicated. This makes them ideal for representing ownership of digital items that have value because of their uniqueness.
A digital wallet is a piece of software that allows users to securely store their cryptocurrencies and make transactions with them. It works by generating a unique, cryptographic address for each user, which is used to send and receive digital assets. This address is stored on the blockchain, and because the blockchain is transparent and immutable, it allows users to easily and securely manage their digital assets without the need for a central authority.
Smart contracts are self-executing contracts with the terms of the agreement between buyer and seller being directly written into lines of code. The code and the agreements contained therein are stored and executed on the blockchain. Smart contracts allow for the automation of digital transactions, which can help to make them more secure, efficient, and transparent.
They can be used for a wide range of applications, from simple financial transactions to more complex business processes. Because they are stored on the blockchain, smart contracts cannot be altered or deleted once they have been created. This helps to ensure their integrity and enforceability.
AI, GPT and ChatGPT
Currently taking the world by storm, ChatGPT is a language model chatbot built by OpenAI and is built upon GPT (Generative Pre-trained Transformer). GPT is a machine learning model that uses deep learning techniques to generate natural language text. ChatGPT uses GPT-3 specifically and is an advanced version of the GPT model that has been trained on a massive dataset, allowing it to generate text that is often indistinguishable from that written by a human. In simple terms, ChatGPT is an AI model that can generate human-like text based on the given prompt and it can be fine-tuned to perform specific tasks.
GPT-based models, like GPT-3, will likely have a major impact on the development of Web3 and decentralised technologies. GPT-3, in particular, has been used in a variety of ways to improve the functionality of decentralised applications, including natural language processing for decentralised finance platforms, content generation for decentralised social media, and automating smart contract development.
Layer 1 refers to the underlying infrastructure of a blockchain network. This typically includes the protocols, rules, and consensus mechanisms that govern how the network operates and how transactions are processed and verified. Layer 1 is the foundation upon which other layers of the blockchain are built, and it is often considered the most important and fundamental layer. It is sometimes called the "base layer" or the "network layer" of a blockchain.
Layer 2 refers to additional protocols or technologies that are built on top of a blockchain's underlying layer 1 infrastructure. These technologies are designed to improve the scalability, efficiency, or functionality of a blockchain network, and are often referred to as "off-chain" solutions. Technologies built within Layer 2 can help to increase the throughput of a blockchain network, reduce transaction fees, or enable new use cases that are not possible on the base layer alone.
In order to add a transaction to a blockchain, it must be verified by other users on the network. This verification process requires computing power, and users who contribute their computing power to the network are rewarded for their efforts.
However, this process also requires a fee to be paid. This fee, called a "gas fee," is paid to the users who verify the transaction and add it to the blockchain. This fee is designed to incentivise users to continue contributing their computing power to the network and to prevent spam or malicious transactions from clogging up the network.
In simple terms, gas fees are the fees paid to users who help verify transactions and add them to the blockchain. These fees are an important part of how a blockchain network functions and are essential to its security and stability.
Decentralised identity (DID)
Decentralised identity, also known as self-sovereign identity, is a digital identity that is owned and controlled by the individual, rather than by a central authority such as a government or corporation. This means that the individual has full control over their personal information and data, and can choose how and with whom to share it.
The goal of decentralised identity is to give individuals more control over their personal data and to enable more secure and efficient digital interactions.
Decentralised application (dApp)
A decentralised application is a type of software application that runs on a decentralised network, such as a blockchain. Unlike traditional applications, which rely on a central server to function, dApps are distributed across a network of computers, which makes them more resistant to censorship and downtime. dApps can be used for a wide variety of purposes, such as creating a digital currency, managing supply chain logistics, or building a social network.
Decentralised finance (DeFi)
Decentralised finance, or DeFi, is a financial system that is built on top of a blockchain. This means that it is not controlled by any central authority, such as a bank or government, but rather is managed by a network of users who interact with each other directly using smart contracts.
DeFi allows for the creation of financial applications and services that are open, transparent, and accessible to anyone with an internet connection. This can include everything from lending and borrowing, to trading and investing, to insurance and prediction markets. The goal of DeFi is to provide people with greater access to financial services and to enable more inclusive and efficient financial systems.
Decentralised storage is a way of storing data that involves distributing the data across a network of devices, rather than storing it on a central server. This means that no single device or entity has complete control over the data, making it more resistant to things like data breaches and outages. In general, decentralised storage systems are designed to be more secure, reliable, and scalable than traditional centralised storage systems.
Decentralised governance is a system in which decision-making power is distributed among multiple parties, rather than being concentrated in a single central authority. This can take many forms, but the general idea is that decisions are made through a collaborative, participatory process that involves multiple stakeholders. In a decentralised governance system, power is distributed among various users, such as individuals, organisations, or communities, who all have a say in how decisions are made. This can make decision-making more transparent, inclusive, and democratic, and can help to prevent abuses of power.
Decentralised exchange (DEX)
A decentralised exchange (DEX) is a type of cryptocurrency exchange that operates without a central authority. This means that it is not controlled by any single entity, such as a company or government, and instead relies on a distributed network of computers to facilitate the buying and selling of cryptocurrencies. In contrast to centralised exchanges, which are more common, decentralised exchanges allow users to retain control over their funds and personal information, making them more secure and private. However, they often lack the features and liquidity of centralised exchanges, which can make them more difficult to use.
Proof-of-work is a type of algorithm used by some blockchain networks to achieve distributed consensus. In a proof-of-work system, network participants (called "miners") compete to solve complex mathematical problems in order to validate transactions and add them to the blockchain. The first miner to solve the problem is rewarded with a certain number of tokens or cryptocurrency. The difficulty of the problems is adjusted over time to ensure that the network processes transactions at a steady rate.
Proof-of-stake is a type of algorithm used by some blockchain networks to achieve distributed consensus. In a PoS system, the likelihood that a user will be chosen to add a new block to the blockchain is proportional to the amount of cryptocurrency that they hold. This means that users with a larger stake in the network (i.e. those who hold more of the network's cryptocurrency) have a higher chance of being chosen to add a new block, and therefore earn the reward associated with that block.
In contrast to proof-of-work (PoW) systems, which use mining to achieve distributed consensus, PoS systems do not require users to perform any computation in order to add new blocks to the blockchain. This means that PoS systems are typically more energy-efficient than PoW systems.
In simple terms, PoS is a method for achieving distributed consensus in a blockchain network that does not require mining. Instead, users with a large stake in the network have a higher chance of being chosen to add new blocks and earn rewards.
Overall, the benefits of web3 are numerous and wide-ranging. By providing greater security and privacy, enabling more decentralised and inclusive applications and services, improving business operations, and enabling new economic models, web3 has the potential to revolutionise the way we interact with the web, and create new opportunities for growth and innovation.
Web3 also has the potential to revolutionise the healthcare industry, with blockchain technology being decentralised and secure, it makes it an ideal solution for storing sensitive data like patient records while also only allowing access to authorised parties.
Blockchain could also be used in the clinical trial process, from recruiting participants to storing data and sharing results. All parties involved in a trial would be able access data in real-time and ensure data integrity.
Medical research is also another area within healthcare that could benefit from a blockchain based solution. By potentially facilitating a more efficient and secure sharing of medical research data among researchers, institutions and companies, that could lead to faster and more impactful discoveries. | finance |
http://omaraconsulting.co.za/about-us | 2022-08-08T22:54:10 | s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882570879.1/warc/CC-MAIN-20220808213349-20220809003349-00187.warc.gz | 0.96108 | 110 | CC-MAIN-2022-33 | webtext-fineweb__CC-MAIN-2022-33__0__72388295 | en | We rely on client feedback to constantly improve our level of service and the way we do insurance. Understanding your situation, your circumstances and your financial position gives us the best possible standpoint to meet your expectations and needs.
Founder and CEO, Anette Davis, has decades of experience in the insurance industry. She has worked to help several major insurers develop their products and services to be more client-centric, and take responsibility for each and every client. In 2014, she won the National Sanlam Businesswoman of the Year award in the commercial category. | finance |
https://miguelremodeling.net/5-ways-new-windows-can-save-you-money/ | 2024-02-22T03:14:24 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473690.28/warc/CC-MAIN-20240222030017-20240222060017-00835.warc.gz | 0.937104 | 570 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__210442079 | en | When it comes to improving the energy efficiency of your home and saving money in the long run, one often overlooked solution is investing in new windows. Upgrading your windows not only enhances the aesthetics of your home but also offers several financial benefits. In this blog post, we’ll explore five ways in which new windows can save you money and make your home more comfortable.
1. Increased Energy Efficiency
Old, drafty windows are notorious for letting heat escape during the winter and cool air seep out in the summer. New, energy-efficient windows are designed to minimize heat transfer. They are often equipped with double or triple glazing, low-emissivity (low-E) coatings, and insulated frames, which help maintain a consistent indoor temperature. This means less reliance on heating and cooling systems, leading to lower energy bills.
2. Reduced Energy Consumption
As your home becomes more energy-efficient with new windows, you’ll naturally reduce your energy consumption. This is not only environmentally friendly but also economically wise. With less energy required to heat or cool your home, you’ll see a noticeable decrease in your monthly utility bills.
3. Enhanced Natural Lighting
Modern windows are designed to maximize the amount of natural light that enters your home. With improved natural lighting, you can rely less on artificial lighting during the day. This reduction in electricity usage can lead to additional savings on your energy bills.
4. Improved Resale Value
Investing in new, energy-efficient windows is not just about saving money; it’s also a smart financial decision when considering your home’s resale value. Potential buyers are increasingly looking for energy-efficient features when purchasing a home. By upgrading your windows, you can increase your home’s attractiveness to potential buyers, potentially selling it at a higher price.
5. Long-Term Durability
New windows are built to last, and many manufacturers offer extended warranties on their products. This means you won’t have to worry about the ongoing maintenance and repair costs associated with older, less efficient windows. New windows provide peace of mind and long-term financial savings.
While the initial cost of new windows may seem significant, it’s important to view this investment as a way to save money over time. The energy efficiency, reduced energy consumption, enhanced natural lighting, increased resale value, and long-term durability all contribute to your financial well-being. In the end, new windows are not just a home improvement project; they are a long-term financial strategy that can make your home more comfortable and economical. So, if you’re looking for ways to save money while improving your home, consider upgrading to new, energy-efficient windows. Your future self and your wallet will thank you. | finance |
http://shuttermebeautifuluk.co.uk/finance-options/ | 2021-08-04T00:04:18 | s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046154486.47/warc/CC-MAIN-20210803222541-20210804012541-00118.warc.gz | 0.959122 | 465 | CC-MAIN-2021-31 | webtext-fineweb__CC-MAIN-2021-31__0__63449017 | en | What types of loan are available?
Depending on your circumstances, you’ll be able to choose from a number of deals. You can look at an unsecured loan which isn’t secured against any assets. If that isn’t for you, then there’s an option for one that’s secured, and as such, will typically be tied to your property. Another option is to secure a loan with a guarantor, which would be a third party with better credit.
How do I apply?
Applying is a straightforward and simple process – all you have to do is visit Ideal4Finance, put in your details and the type of loan you’re looking for, and the online calculator will work out the rest. The process should take no longer than 24 hours, and there’ll be a quick credit check, and should the application be successful, you’ll be good to go.
How much will I be paying?
As each financial package is tailored to each applicant, you’ll have to use the Ideal4Finance calculator to get the amount you’ll be looking at paying. Any final decisions will be based on your circumstances, including the amount you’re borrowing and the length of time for which you’d like to make the repayments. This is to ensure that the lending best suits your situation.
What happens if my application is successful?
Ideal4Finance will contact you regarding your application. You will be contacted either by phone, text, or email. You may also be contacted by the lender or lenders, should they need a little more information about your application.
What information do I need before applying for finance?
If you are proceeding with the application, then have the name and address of your employer to hand, as well as details of any additional income you may be receiving, as well as standard information like your address, postcode, and banking details.
Are my details safe?
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http://howardcivileng.co.uk/about/key-contacts/gerard-howard/ | 2021-03-06T08:46:12 | s3://commoncrawl/crawl-data/CC-MAIN-2021-10/segments/1614178374616.70/warc/CC-MAIN-20210306070129-20210306100129-00612.warc.gz | 0.984188 | 251 | CC-MAIN-2021-10 | webtext-fineweb__CC-MAIN-2021-10__0__125127483 | en | Gerard is a qualified Chartered Accountant who in his role as Finance Director is responsible for the overall financial governance of both Howard Civil Engineering and Howard Plant Hire.
After completing his formal secondary school education he achieved a BA (Hons) in Accounting and Finance from Leeds Business School in 1999, he started his professional career with CGU. But as part of his desire to further his personnel development he relocated to the capital city of London to start his CIMA qualifications with Credit Suisse First Boston subsidiary, Pershing Limited. Whilst working at Bank of America he qualified as a Chartered Accountant in 2004.
In 2005 having achieved his goals in London, he joined the family business to take control of all things financial. As the business developed he has implemented a fully centralised supply chain to improve site efficiency and establishes cost certainty for the company. More recently as turnover has continually increased, he has implemented a full accounts department and sector specific software package, which provides the companies management accounts. These control measures have facilitated the companies continued growth during his tenure.
Away from work Gerard enjoys spending time with his wife Catherine, sons Conor and Joseph. To relax, he enjoys watching and participating in many sports including football, rugby and running. | finance |
https://solutions.opentext.com/corpnews/ | 2022-10-06T23:22:13 | s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030337889.44/warc/CC-MAIN-20221006222634-20221007012634-00241.warc.gz | 0.927217 | 2,954 | CC-MAIN-2022-40 | webtext-fineweb__CC-MAIN-2022-40__0__116701431 | en | Announcement by Open Text Corporation (“OpenText“) of a firm intention to make an offer for the entire issued and to be issued share capital of Micro Focus International plc (“Micro Focus“) (the “Offer“).
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The Offer relates to the securities of a UK company and is subject to UK procedural and disclosure requirements that are different from those of the United States (the “US“). The Offer may be made by means of a scheme of arrangement provided for under English company law, and as such would not be subject to the tender offer rules or the proxy solicitation rules under the US Securities Exchange Act of 1934, as amended (the “US Exchange Act“). Accordingly, the Offer may be subject to the disclosure requirements and practices applicable in the UK to schemes of arrangement which differ from the disclosure requirements of US tender offer and proxy solicitation rules. In addition, any financial statements or other financial information included in this Microsite may have been prepared in accordance with non-US accounting standards that may not be comparable to the financial statements of US companies or companies whose financial statements are prepared in accordance with generally accepted accounting principles in the US.
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https://www.informactionfilms.com/en/productions/the-price-we-pay.php | 2023-03-26T08:54:48 | s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296945440.67/warc/CC-MAIN-20230326075911-20230326105911-00123.warc.gz | 0.891189 | 3,448 | CC-MAIN-2023-14 | webtext-fineweb__CC-MAIN-2023-14__0__53683719 | en | Telefilm Canada and the Rogers Group of Funds under the Theatrical Documentary Program
Gouvernement du Qu?bec (Cr?dit d?imp?t cin?ma et t?l?vision - Gestion SODEC)
Canadian Film or Video Production Tax Credit
BRIGITTE ALEPIN, Harvard trained independent Canadian tax expert and policy advisor, parliamentary witness, and outspoken author of the best-selling Ces riches qui ne paient pas d’impôt (2004) and La Crise fiscale qui vient (2010). In this last book, she was one of the very first experts to warn of the dangers posed by 20th century tax regimes that are now out of date.
ANGUS CAMERON, political economist, University of Leicester, UK.
NICOLAS COLIN, Inspector of finance with the French Inspection générale des finances, author of a 2013 pathbreaking study for the French government on the fiscal challenges posed to tax authorities by global Internet companies of the digital [“cloud”] economy, co-author of L’Âge de la multitude.
ALAIN DENEAULT, philosopher and teacher of political science at Université de Montréal, author of Canada: A New Tax Haven.
STUART FRASER, former deputy policy chairman at the City of London Corporation that played a key role in the creation of tax havens as offshore financial centers at the end of the Second World War as a “second Empire”. Fraser once described himself as the “U.K.’s most powerful financial lobbyist”.
JAMES S. HENRY, lawyer, former chief economist at McKinsey & Co, Edward R. Murrow Fellow at Tufts University's Fletcher School of Law and Diplomacy, author of Blood Bankers and of widely cited 2012 study on the missing wealth of nations, The Price of Offshore Revisited, which estimates unreported private financial wealth held offshore was at least $21 trillion at end of 2010, a sum equivalent to combined size of US and Japanese economies.
DANIEL LEBÈGUE, technical adviser to the French Prime Minister's Cabinet in charge of economic and financial affairs in 1981, Director of Treasury from 1984 to 1987; former Banque Nationale de Paris CEO and Vice Chairman, and today Chairman of the board of Transparency International France that opposes tax havens.
RONEN PALAN, Professor of International Politics, City of London University, author of The Offshore World: Sovereign Markets, Virtual Places and Nomad Millionaires.
THOMAS PIKETTY, Paris School of Economics, winner of Le Monde’s prize for best young economist, the world's leading expert on income and wealth inequality, and high profile social commentator whose 2014 book, the 700 page Capitalism in the 21st century, is a publishing phenomenon that has rocketed to the top of Amazon’s book chart in the US and has established Piketty as one of today’s most influential economic thinkers on the subject of inequality.
RICHARD RAHN, former director, Cayman Islands Monetary Authority, former chief economist of the U.S. Chamber of Commerce and Senior Fellow at the libertarian Cato Institute.
TIM RIDLEY, lawyer, former chairman, Cayman Islands Monetary Authority, former senior partner with Maples and Calder, the island’s leading law firm, and board member of the Cayman Islands subsidiary of the $173 billion hedge fund GlobeOp Financial Services.
SASKIA SASSEN, renowned sociologist, Columbia University and London School of Economics professor, prolific author of many books including The Global City: New York, London, Tokyo. She is credited with coining the term “global city”.
NICHOLAS SHAXSON, journalist, author of Treasure Islands: Tax Havens and the Men Who Stole the World.
FATHER WILLIAM TAYLOR, Anglo-Catholic vicar of St Thomas Church in Hackney, recently elected as the first ever Labour councillor to the Corporation of the City of London borough council.
JOHN CHRISTENSEN, director of the Tax Justice Network, former economic advisor States of Jersey, a major European tax haven.
KRISHEN MEHTA, Senior Global Justice Fellow, Yale University, former partner PricewaterhouseCoopers, the world’s second largest accounting firm.
PASCAL SAINT-AMANS, head of tax policy at the OECD (Organization for Economic Co-operation and Development), the leading policy organization of the world’s 34 most advanced economies.
DAVID MARCHANT, investigative journalist and editor of Offshore Alert.
JACK BLUM, Washington attorney and chair of Tax Justice Network USA.
JARON LANIER, Microsoft computer scientist, Virtual reality pioneer, composer of classical music and author of Who Owns the Future?
WILLIAM BARCLAY, Chicago Political Economy Group, former senior vice-president, Chicago Stock Exchange, the third largest in the US.
WALLACE TURBEVILLE, Senior Fellow, Demos, New York City, former vice-president Goldman Sachs.
LORD ADAIR TURNER, Fellow, Institute of New Economic Thinking, former chairman (in 2008) of the United Kingdom Financial Services Authority.
LINDA MCAULIFFE, graphic artist from Vancouver.
SAM HOLLOWAY, Chicago firefighter.
“RIVETING, LUCID, ESSENTIAL.”
Christophe Alix, Libération
“CONCISE, ENGROSSING AND OCCASIONALLY INFURIATING…”
Joe Leyden, Variety
“A SUPERB COMPANION PIECE TO… INSIDE JOB.”
Geoff Olson, Vancouver Courier
“ONE OF THE STRONGEST DOCS OF THE YEAR, ONE THAT’S BOTH TIMELY AND HIGHLY PROVOCATIVE.”
Jason Gorber, Twitchfilm
Mark Achbar, Director, Sundance winning The Corporation
“PRAISE-WORTHY FOR MAKING SENSE OF THE ARCANE SUBJECT OF CORPORATE TAXES.”
Steven Frank, Bloomberg
“ESSENTIAL… WISE, CAPTIVATING (…) A TRUE CINEMATIC EXPERIENCE…. HAROLD CROOKS PROVES HIMSELF A GREAT CONTEMPORARY DOCUMENTARIAN, WITH THE LIKES OF ERROL MORRIS.”
Luc Laporte-Rainville, Ciné-Bulles Magazine
Danièle Heymann, Marianne
“A STUNNING, NAIL-IT-TO-THE-WALL CANADIAN DOCUMENTARY WHERE BANKERS SPEAK UNINHIBITEDLY ABOUT TAX HAVENS AND TOP CELEBRITY ECONOMISTS LET IT ALL HANG OUT…”
Jean-Jacques Rue, Siné Mensuel
“WITH CLARITY, PRECISION AND ADMIRABLE BREVITY, THE PRICE WE PAY PUTS ITS FINGER DEEP INTO THE WOUND...”
Serge Kaganski, Les Inrockuptibles
“DO NOT MISS UNDER ANY CIRCUMSTANCES.”
Michel Abecat, Télérama
A Nous Paris
“THE MOST IMPORTANT FILM TO DATE ON THE COMPLEX YET CRITICAL ISSUE OF TAX IN AN ERA OF GLOBALISATION.”
John Christensen, Director, Tax Justice Network
“SMART, EYE-OPENING AND INCENDIARY… A VITAL EXPOSÉ OF THE FLAGRANT ETHICAL BANKRUPTCY ENDEMIC TO MODERN CAPITALISM, THE PRICE WE PAY IS A COMPELLING, COHERENT AND FORCEFUL CALL TO ACTION.”
Agata Smoluch Del Sorbo, Programmer, Toronto International Film Festival
“ONE OF THE MOST UNSETTLING FILMS I SAW ALL YEAR, AND ONE OF THE SMARTEST. ”
Steve Gravestock, Programmer, Toronto International Film Festival
ONE OF THE MOST UNSETTLING FILMS I SAW ALL YEAR, AND ONE OF THE SMARTEST.
SMART, EYE-OPENING AND INCENDIARY … A VITAL EXPOSÉ OF THE FLAGRANT ETHICAL BANKRUPTCY ENDEMIC TO MODERN CAPITALISM, THE PRICE WE PAY IS A COMPELLING, COHERENT, AND FORCEFUL CALL TO ACTION.
Toronto International Film Festival Toronto 2014
Vancouver International Film Festival 2014
Festival du nouveau cin?ma Montr?al 2014
TOP TEN, Toronto International Film Festival 2014
CPH : DOX Copenhagen International Documentary Festival 2014
Vancouver Film Critics Circle Best Canadian Documentary, 2015
Belleville Downtown DocFest 2015
Wakefield International Film Festival 2015
PLANETE+ DOC FILM FESTIVAL Poland 2015
Salt Spring Film Festival 2015
Victoria Film Festival 2015
The Price We Pay, as with other documentaries I share credit on, is concerned with how powerful institutions impact ordinary lives. In the case of the TIFF-selected, Genie-winner The World Is Watching [producer-writer], our focus was foreign news coverage of the 80s Central American peace process; in Bhopal: The Search for Justice [producer-writer] the human impact of a chemical company’s criminal negligence; in the TIFF and Sundance-winner The Corporation [co-wrote narration with director Mark Achbar] the omnivorous corporation; and in critically-acclaimed Surviving Progress [co-director, writer] the ecological impact of Wall Street’s lending practices.
When InformAction’s Nathalie Barton approached me about this project, I was hooked once I realized that taxation is a lens through which we understand power – who has it – who doesn’t – the rules we’re governed by – and whether most people have a hope in hell of getting ahead. Working again with Surviving Progress editor Louis-Martin Paradis and a team of virtuoso Québécois film-making talents, we sought to make an instructive essay-style film that is also a cinematic experience. Our story – told mostly by former insiders now free to speak frankly – is intended to show how the offshoring of the world’s wealth is putting at risk the fruits of 20th century social progress: the middle class and the welfare state.
Western leaders who are vowing to reverse alarming inequality trends fail to acknowledge the extent to which they lack the tools for meaningful action. Since the 80s, the nation state – once guarantor of middle class security – is being reshaped into a “competition” state – whose role is to compete against other states for private investment and jobs – the welfare state be damned.
Further eroding government’s redistributive function is a radical new digital economy. Google, Amazon, Apple and other Internet businesses with the largest computing power succeed by incorporating the “free” labour of hundreds of millions of unpaid users into their value creation chains, bankrupting small and medium-sized companies and driving people into a winner-takes-all informal economy, while shifting offshore their staggering profits.
Gaming the archaic tax system, these corporations along with other virtually state-less multinationals are forcing governments into a race to the fiscal bottom. As public treasuries become less and less able to fund the welfare state, income and wealth inequality is pushed to levels unseen for a century and more".
The film illustrates how the tax haven system originally put in place by City of London bankers in former colonial dependencies as a replacement for the British Empire is today an unregulated “space of money”. Through this space beyond democratic control flows over half the world’s stock of money, multinationals’ profits and vast amounts of private wealth. But as we reveal, this “offshore” world is a legal and accounting fiction. The Caymans and other major tax havens could disappear under the sea without losing their rank as major financial centers. They are artifices that allow their corporate clients to be “citizens of nowhere”. The untaxed trillions of dollars booked here – the so-called “missing” wealth of nations – remains under the control of global finance and big business, which leverages its financial power to dismantle the progressive taxation and social security that once assured rising 20th century equality.
Spurred on by a small band of tax justice campaigners on both sides of the Atlantic, US Congressional and UK parliamentary hearings have exposed massive corporate tax avoidance abuse, and propelled the OECD in 2013 to commit itself to reversing the flow of corporate profits “offshore” and the erosion of public finances. But what some see as a “game changer”, others fear is a charade.
Like the villagers surrounded by Roman Legions in the Asterix The Gaul comic series, today every nation – no matter how large – is outflanked by multinational corporations. None can deal with corporate tax avoidance alone.
As best-selling French academic star Thomas Piketty explains in the film: Only tax cooperation between nations can prevent the disappearance of corporate income taxation in the coming decades.
Other remedies advocated by our interviewees include: adapting tax rules to the novel ways Internet companies create wealth by exploiting their users; and financial transaction [Robin Hood] taxes on the trillions of dollars churning through global financial markets – in what former Wall Street and UK financial insiders we interview say is in large measure “socially useless” investment.
For audiences the take-away of The Price We Pay is this: in a world where corporate and financial wealth no longer has a fixed address, democracy can only be preserved by acting co-operatively beyond borders.
The Price We Pay is inspired by Brigitte Alepin’s book La Crise fiscale qui vient.
The web of tax havens originally created by City of London bankers in the 50s today puts over half the world’s stock of money beyond reach of public treasuries. Nation states are being reshaped by this offshoring of the world’s wealth into “competition” states that battle for investment and jobs. Shifting the tax burden from big corporations and the wealthy – citizens of nowhere for tax purposes – to the middle class and poor to do so, they are paving the way to historic levels of inequality. This story is told by crusading journalists, tax justice campaigners and former finance and technology industry insiders now free to speak frankly. They fear these accelerating trends are carrying the Western world to an unsustainable future.
The Price We Pay is inspired by Brigitte Alepin’s book La Crise fiscale qui vient.
The Price We Pay exposes how “offshore” finance and the tech giants of the “cloud” economy are eroding the foundations of the democratic state, including progressive taxation, a secure middle class, and social safety nets. In the 1950s, City of London bankers created a web of tax haven dependencies that today puts over half the world’s stock of money beyond the reach of public treasuries. Presently, nation states are being reshaped by this offshoring of the world’s wealth into “competition” states that battle each other for investment and jobs. Lowering corporate taxes to do so, they are caught in a perilous race to the bottom. The spreading de-taxation is paving the way to Depression era – or worse – levels of inequality. Meanwhile, the tax burden is shifted to the middle class and the poor. Our guides on this journey include crusading journalists, tax justice campaigners, and a remarkable cast of former major finance and technology industry insiders now free to speak frankly. They fear these accelerating trends are carrying the Western world to an unsustainable future. | finance |
https://www.merlinvehiclerental.com/refund-policy/ | 2022-01-24T10:38:17 | s3://commoncrawl/crawl-data/CC-MAIN-2022-05/segments/1642320304528.78/warc/CC-MAIN-20220124094120-20220124124120-00402.warc.gz | 0.916276 | 259 | CC-MAIN-2022-05 | webtext-fineweb__CC-MAIN-2022-05__0__169105600 | en | Cancellation & Refund Policy:
When booking your vehicle, you are required to pay a £50 booking / holding deposit (which comes off the total cost of your hire), to ensure that the vehicle will be available for you on the date(s) requested. In the event of a cancellation, this holding deposit is non-refundable. If you have pre-paid the full amount prior to the commencement of your hire, we will refund that amount, less the £50 booking deposit.
Should you need to change the date or time of your booking, we require a minimum of 24 hours’ notice prior to the commencement of the hire to move your booking to a different date / time (subject to availability). In this case, your £50 holding deposit will be transferred to your new date. Amendments to bookings made less than 24 hours prior to the commencement of the hire may incur the loss of your holding deposit (this decision is made at the discretion of the management).
If you fail to collect your vehicle on the specified collection date, any payments made are non-refundable.
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https://tinyhousesociety.com/the-evolution-of-tiny-home-prices-a-deep-dive-into-the-average-cost-of-tiny-homes-in-2023/ | 2023-12-06T07:35:10 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100583.31/warc/CC-MAIN-20231206063543-20231206093543-00601.warc.gz | 0.947716 | 858 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__314420066 | en | In recent years, the Tiny Home movement has gained immense popularity as people seek a simpler, more sustainable way of living. With the increasing appeal of downsizing and minimizing one’s carbon footprint, Tiny Homes have become a symbol of minimalistic living. As we step into 2023, let’s take a comprehensive look at the average cost of a Tiny Home and explore how this figure has evolved over the years.
Understanding the Tiny Home Phenomenon
Tiny Homes, typically ranging from 100 to 400 square feet, offer an affordable and eco-friendly alternative to traditional housing. They are designed to maximize functionality and minimize space, often incorporating innovative storage solutions and multi-purpose furniture. Beyond the financial benefits, Tiny Homes promote a sense of freedom, encouraging homeowners to focus on experiences rather than possessions.
The Average Cost in 2023: A Detailed Breakdown
In 2023, the average cost of a Tiny Home in the United States hovers around $70,000 to $100,000. However, it’s crucial to note that this figure can vary significantly based on several factors, including location, size, design, materials used, and amenities included.
Urban areas tend to have higher costs due to limited space and increased demand. On the other hand, rural areas offer more affordable options, with land prices often significantly lower. Coastal regions or areas with scenic views might also come at a premium.
2. Size and Design:
The size and design intricacies play a vital role in determining the cost of a Tiny Home. Custom-built Tiny Homes with intricate designs and high-end finishes will naturally be more expensive than simpler, prefabricated models. Larger Tiny Homes, although still considerably smaller than traditional houses, tend to cost more due to increased material and labor requirements.
3. Materials and Sustainability:
Tiny Homes constructed with sustainable materials, such as reclaimed wood, energy-efficient appliances, and eco-friendly insulation, often come at a higher price. However, the initial investment pays off in the long run through reduced utility bills and environmental conservation.
4. Amenities and Off-Grid Capabilities:
Some Tiny Homes are equipped with off-grid capabilities, including solar panels, composting toilets, and rainwater harvesting systems. These features add to the overall cost but offer homeowners the freedom to live independently and sustainably.
5. Labor and Construction Costs:
Labor and construction costs vary across regions and can significantly impact the final price. Areas with a higher cost of living generally have more expensive labor, driving up the overall construction expenses.
How Prices Have Changed Over the Years
Over the past decade, the average cost of Tiny Homes has experienced a gradual increase. In the early 2010s, when the Tiny Home movement was in its infancy, prices were relatively high due to the novelty of the concept and the limited number of builders in the market. As the movement gained momentum and more builders entered the industry, economies of scale began to take effect, leading to a gradual decrease in prices.
However, in recent years, the cost curve has started to plateau. This stabilization can be attributed to several factors, including fluctuations in material prices, increased demand for skilled labor, and advancements in Tiny Home technology. Additionally, the growing popularity of Tiny Homes has led to a diversification of the market, offering a wide range of options catering to different budgets and preferences.
Conclusion: Tiny Homes in 2023 and Beyond
In 2023, the Tiny Home movement continues to thrive, offering individuals and families an alternative path to homeownership. While the average cost of a Tiny Home has seen fluctuations over the years, it remains a viable and cost-effective housing solution for many. As the world embraces sustainable living and minimalist lifestyles, the Tiny Home industry is poised for further growth, with innovations in design, construction techniques, and sustainable practices paving the way for a more affordable and eco-conscious future.
Whether you’re a minimalist enthusiast, an eco-conscious individual, or simply someone looking to simplify their life, the Tiny Home movement in 2023 offers a diverse range of options to suit every budget, making the dream of owning a Home a reality for more people than ever before. | finance |
https://www.invoicex.com.au/invoicex/invoicex-endorses-federal-budget-support-for-small-business-but-flags-the-need-to-solve-the-cashflow-dilemma | 2019-09-16T12:29:50 | s3://commoncrawl/crawl-data/CC-MAIN-2019-39/segments/1568514572556.54/warc/CC-MAIN-20190916120037-20190916142037-00145.warc.gz | 0.967253 | 566 | CC-MAIN-2019-39 | webtext-fineweb__CC-MAIN-2019-39__0__15323579 | en | InvoiceX (IX), Australia’s first provider of confidential marketplace invoice financing has today commended the government for a number of encouraging changes to help small businesses in the recent budget, however proactive action to address the cashflow dilemma was sadly missing. Getting customers to pay on time is a struggle for many small companies—one that can disrupt a company’s cash flow and even stunt its growth. IX is part of a new generation of peer-to-peer alternative finance firms offering small-medium sized businesses a sensible option to fund growth. The company is on track to process over $20m worth of invoices this year.
“Incentivising business owners to invest is very welcome but financing this is a major challenge. If you have no further real estate to offer a lender as collateral, like most owners of smaller businesses, how can you finance your growth? This applies especially to the build-up of working capital that is involved in growing, a critical hurdle when dealing with larger customers who take longer to pay,” said Steve Yannarakis, co-founder of IX.
According to Dun & Bradstreet, customers take an average of over 50 days to pay their bills in Australia. A typical business with revenues of $5m often has unpaid bills due from customers of over $750,000. To double in size, it would need to finance over $1.5m of unpaid bills. To make matters worse, business owners have to pay their tax in advance of collecting any profit earned.
The banking system is not increasing its cashflow lending to small businesses. According to the RBA, it has been flat-lining at $200bn since the GFC – that’s about $100,000 per business on average. Over the same period, mortgages, which represent over 95% of lending, have grown by over $400bn. Most small business owners are forced to use their credit card to bridge cashflow problems at crippling interest rates.
“What would have been helpful to small businesses are initiatives similar to those introduced recently by the UK government, where small businesses that have been rejected for loans must be referred to a panel of alternative finance providers. In addition, the British Business Bank was given £100m ($200m) to support alternative providers,” said Dermot Crean, co-founder of IX.
Using advanced computing power and a low cost structure, IX is bridging the financing gap and narrowing the spread on finance. The IX platform enables Australian businesses to raise short-term working capital by selling outstanding invoices direct to investors.
[bctt tweet ="InvoiceX Endorses Federal Budget Support For Small Business But Flags The Need To Solve The Cashflow Dilemma"] | finance |
https://my-pet-insurance-plans.business.site/posts/5347532190989107736?hl=en | 2019-08-23T19:33:34 | s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027318986.84/warc/CC-MAIN-20190823192831-20190823214831-00270.warc.gz | 0.929969 | 227 | CC-MAIN-2019-35 | webtext-fineweb__CC-MAIN-2019-35__0__42453479 | en | My Pet Insurance Plans
If you don’t currently have pet insurance, you’re not alone. While around 68% of U.S. households own pets, only 1% of those pets are insured, according to the North American Pet Health Insurance Association (NAPHIA).
But given the price of vet care, it’s worth looking into. Petfinder estimates the annual cost of routine vet visits is $45-$200 for dogs and $50-$400 for cats depending on your pet’s age. Emergency vet visits can cost up to $2,000, and sometimes more, for dogs or cats.
And as someone who’s found herself at the animal hospital at 3 a.m., I can attest that when your beloved furbaby is pawing at you in distress and you don’t know what’s wrong, you’re willing to shell out pretty much anything to make her better again.
That’s why we’ve put together this breakdown to help you decide: Is pet insurance worth it for you and your pets? | finance |
http://www.thedaddynamic.com/things-ill-teach-my-kids/8-things-to-teach-your-kids-about-money/ | 2019-07-15T21:53:53 | s3://commoncrawl/crawl-data/CC-MAIN-2019-30/segments/1563195524254.28/warc/CC-MAIN-20190715215144-20190716000513-00038.warc.gz | 0.963881 | 1,684 | CC-MAIN-2019-30 | webtext-fineweb__CC-MAIN-2019-30__0__48028556 | en | Do what you love
It might seem weird to start a post about money with an adage about work, but work relates directly to your earning and spending habits. The old saying is do what you love, but I would alter that slightly to this: Use your talents to do something the world needs. Then you’re using your skills, what you’re uniquely good at, to do work that means something. This is how you find satisfaction in your work.
So how does this relate to money?
It doesn’t mean that you’ll have the biggest possible income. It means that you’ll enjoy working. Most people work a third of their lives. If you’re miserable during those long decades, you’ll spend money on things to make you feel better.
“I hate my job, but driving to work in this car makes me feel better about it.”
“I need to get away from work, so I go on a couple big vacations every year.”
“Work sucks, so I buy lunch out every day to escape.”
You get the idea. Enjoying your work will help you enjoy your life, and there will be less need to spend money on escaping from the daily grind.
Live below your means
When people get their first real job, they immediately think “what can I afford?” And by that, they mean “what monthly payment can I afford?” So if they make $35,000 a year, they buy a car that costs $20,000 because they can afford the monthly payment.
This kind of thinking traps you into making years of payments (with interest) – money that could have been better spent in other ways. So instead, you might consider finding a reliable used vehicle, carpooling, or working somewhere with great public transportation. Even if you’re making much more money than this, consider renting a place with roommates or purchasing a very modest property that you can pay off quickly.
The bottom line is freedom. Do you want to start that business you’ve always dreamed of? Quit your stressful job and work for a non-profit that means something to you? Spend a year travelling to 50 different countries? Well, with that small condo you paid off early, you’ve always got a place to live. Rent it out for the year and make sure you take great photos on your world tour.
For our kids, the initial lesson is delayed gratification. Research shows that kids that learn delayed gratification are more likely to be happy and successful. But research aside, if they learn to save for something they really want, they’ll value it more. They’ll also weigh their options and think about whether or not they really need that item.
Learn to invest
The important word being Learn. Whether that means books, classes or talking to successful investors, make sure you put the time into learning how to invest. A rental property or stock portfolio can be a great idea, as long as the decisions are made soundly.
It’s always a good idea to have more than one income stream; investments can become a second stream over time. The earlier you begin, the more time and freedom you’ll have later. This works well in conjunction with “live below your means” – place some of that money you’re saving into investments.
As parents, we can get our kids into the habit of investing as they’re growing up. On her fifteenth birthday, my daughter will be getting a small deposit into a stock trading account that she’ll have to manage. Will it make her money? Maybe. But either way, what it will do is get her engaged in the process and cause her to do some research on this whole investing thing, which is the point.
Borrow rarely and pay off debt quickly
Sometimes borrowing money is necessary, but the only times it really makes sense is if you’re borrowing for investments. Education for example; this is one of the best investments you can make as you’re investing in yourself, and it’s something that can never be taken from you. You should see a return on that investment in more ways than just financial (e.g. maturity, character, enlightenment etc.).
A home can also be an investment. If you buy that small place and pay it off quickly, you can rent it out for a second income stream. But a home is not always an investment; I know plenty of people that bought at a market top and are currently under water with their loan (owing more than the property is worth). In some cases, renting as inexpensively as possible while using your extra income for investments makes more sense. This rent vs. buy calculator is a place to start.
Build credit early
Part of being able to borrow when you need to is having good credit. As parents, we can help our kids build credit by co-signing on a credit card with them (make sure it has a low spending limit). We can then teach our kids to use and pay for it responsibly.
This means teaching them not to place on credit what they don’t already have in their bank account. I use a credit card for everything because it’s convenient and gives me a good deal of money via rewards. But each month, I pay the entire balance of the card. This means that I never pay interest or fees. This is a good habit to get the kids into.
It seems counterintuitive, giving things away when you’re trying to increase your wealth; but whether you call it God, karma or positive thinking, the universe has a way of increasing your wealth when you’re willing to be generous.
Plus, building wealth for your own consumption doesn’t exactly feed your soul. Wealth is better shared with others. Even if you don’t have money to give, you can donate time, expertise, clothing etc. These are great habits and a good example to share with your kids.
Don’t cheat yourself
While you’re thinking about giving to others, make sure to also take care of yourself. I’ve heard a lot of money gurus talking about “the latte factor” – saving that $4 a day you spend on a latte. But if that latte is a little something that makes you really happy, then don’t deprive yourself. I think that one of the most horrible practices that humanity engages in is waiting until retirement to enjoy life. Enjoy your life right now, and especially enjoy the little things, whether that’s a latte, a walk in the park or making your kiddo smile. Just realize that you don’t need a new car and a dream home before you can be happy.
Understand the meaning of wealth
Getting a handle on money, saving, investing and spending are important; but having all the money in the world is meaningless if your priorities are off. Money is a means to an end; it’s about provision for loved ones, security and freedom. But working hard just to buy the next thing or “keep up with the Joneses” is pointless and will ultimately make you feel pretty empty.
Billionaire Warren Buffet, who is always named in the top three richest people in the world, says this:
I know people who have a lot of money, and they get testimonial dinners and hospital wings named after them. But the truth is that nobody in the world loves them. When you get to my age, you’ll measure your success in life by how many of the people you want to have love you, actually do love you. That’s the ultimate test of how you’ve lived your life.
Do your kids love you? Are you daily building that relationship with them? Because in the end, it’s not something you can buy.
Make sure you teach them this most important lesson about money – by showing them every day that they’re worth your time. | finance |
https://www.ecovblue.com/indian-commercial-vehicles-shows-recovery/ | 2020-11-24T20:12:58 | s3://commoncrawl/crawl-data/CC-MAIN-2020-50/segments/1606141177566.10/warc/CC-MAIN-20201124195123-20201124225123-00112.warc.gz | 0.956026 | 922 | CC-MAIN-2020-50 | webtext-fineweb__CC-MAIN-2020-50__0__116627308 | en | After reasonably tough Q1 (April-June 2017) when overall sales at 151,837 units were down 9.08 percent YoY, the commercial vehicle (CV) sector has recorded a sharp recovery in July driven by an uptick in the critical medium and heavy commercial vehicle (M&HCV) segment. After the steep declines in April (-22.93%) and May (-14.40%), CV manufacturers saw green shoots of recovery and entered growth lane (+1.44%).
For July, which opened the era of GST, all major CV manufacturers have registered higher growth across both the M&HCV and LCV segments. Market leader Tata Motors, which has seen a correction in its sales over the past three months, has returned to growth territory with overall sales up by 15 percent in July. Similarly, Ashok Leyland, the second largest CV player, which also saw sales fall in the first two months of FY2018, posted double-digit growth in July.
For industry, the strong comeback in the M&HCV segment signals the return of demand on the back of improving economic indicators, benefits of GST to the transportation sector due to vanishing check-points, and increasing freight and logistics efficiencies. These factors are also motivators for fleet operators to start looking at expanding their fleets.
According to Subrata Ray, senior group vice-president of ratings agency ICRA, “Despite a weak performance in the first quarter, the industry will find its momentum back aided by increased thrust on infrastructure and rural sectors in the recent Budget, potential implementation of fleet modernization or scrappage program and higher demand from consumption-driven sectors, especially for LCVs and intermediate commercial vehicles (ICVs). Given these considerations, the domestic CV industry is likely to register a growth of 6-8 percent in FY2018.”
How the OEMs fared in July
On the monthly sales front, Tata Motors’ overall CV sales rose 15 percent in July at 27,842 units (July 2016: 24,242) backed by the ramp-up of BS IV production, across segments.
While demand for its M&HCVs was up 10 percent in July 2017 at 8,640 units (July 2016: 7,879), the I&LCV truck segment grew by 28 percent at 3,354 units (July 2016: 2,626 units) on the back of a good market response to the new Ultra range and the new BS IV range in other products.
According to the company, “The M&HCV segment saw a rebound in July 2017 and witnessed a pick-up in demand and availability because of continued production ramp up. New models launched in the fastest growing segments of 49-ton and 37-ton categories have also gained strong traction in the market.”
Tata Motors’ passenger carrier sales (including buses) though saw a 15 percent decline to 4,472 units (July 2016: 5,233) largely due to supply constraints in the bus segment. The SCV cargo and pickup segment continued the growth momentum with sales of 11,376 units, up by 34 percent (July 2016: 8,504) due to good market demand for the Ace XL, Mega XL, Zip XL, and the new Tata Yodha.
Ashok Leyland registered double-digit growth, growing by 14 percent with sales of 11,981 units (July 2016: 10,492.) M&HCV sales rose 10 percent to 9,026 units (July 2016: 8,182) while LCVs posted strong 28 percent YoY growth at 2,955 units sold (July 2016: 2,310).
Mahindra & Mahindra’s total CV numbers were up by 14 percent to 15,023 units (July 2016: 13,186). Its M&HCV sales turned positive, growing 72 percent to 657 units albeit on a low year-ago base (July 2016: 382). The below-3.5T GVW segment grew 13 percent YoY, selling 13,761 units (July 2016: 12,230), while those in the above-3.5T GVW segment turned positive by growing 9 percent with sales of 605 units (July 2016: 556).
VE Commercial Vehicles’ domestic sales were up marginally by 1.4 percent with total sales of 3,714 units (July 2016: 3,664 units). The company will be looking to drive numbers with growing demand for its recently launched Pro 5000 Series of trucks. | finance |
http://www.gilberthomecomfort.com/geothermal-new-construction/ | 2017-06-27T07:01:46 | s3://commoncrawl/crawl-data/CC-MAIN-2017-26/segments/1498128321025.86/warc/CC-MAIN-20170627064714-20170627084714-00128.warc.gz | 0.91714 | 214 | CC-MAIN-2017-26 | webtext-fineweb__CC-MAIN-2017-26__0__217264054 | en | Southern Iowa residents looking to build a new home will find WaterFurnace geothermal heat pumps to be their best heating and cooling option. Especially with the planning assistance, installation, and service that we at Gilbert Home Comfort Inc. offer.
First of all, you should consider that WaterFurnace geothermal systems have demonstrated themselves to be the most efficient, energy-saving, environmentally friendly heating and cooling choice around.
Then, think on this: The addition to your monthly payment is usually lower than the monthly savings you’ll experience by installing a geothermal system in new construction. And you can easily roll the initial outlay in your monthly mortgage payment. Better yet, as mortgage costs increase, they’re typically balanced by the decreased operating costs of a geothermal system. What does this mean? You’ve got a net positive cash flow!
For more information on why geothermal is the best choice for Southern Iowa residents building new homes, contact Gilbert Home Comfort Inc.. And be sure to check out our Geothermal Savings Calculator. | finance |
https://floridalifeinsurance.company/ | 2021-06-17T21:01:06 | s3://commoncrawl/crawl-data/CC-MAIN-2021-25/segments/1623487633444.37/warc/CC-MAIN-20210617192319-20210617222319-00303.warc.gz | 0.96837 | 381 | CC-MAIN-2021-25 | webtext-fineweb__CC-MAIN-2021-25__0__73694337 | en | Why use our agency?
Charles Stilwell is a CLU® with more than 30 years’ experience in financial services, the last 20 of which were here in Florida. As a result, Chuck knows the insurance needs of Florida residents.
He represents the largest “A” rated insurance companies in the nation including Prudential, Transamerica, John Hancock, Allianz, Mutual of Omaha, and many others.
Chuck holds the Chartered Life Underwriter® designation, the world’s most respected designation of insurance expertise. A CLU® can provide expert advice on a broad range of financial topics, including life and health insurance, financial and estate planning, and business-succession planning. Chuck also holds bachelors and masters degrees.
Chuck is also the principal of Insurance For Agribusiness, LLC, which specializes in crop insurance and farm and ranch insurance. (InsuranceForAgribusiness.com)
Jan 4, 2016 by Erika Houshmand
Chuck Stilwell was referred to me by a mutual friend when I was in the market for long-term care insurance. While I spoke to several different agents from different companies, it was Chuck who really took the time to educate me on the many, many options available and the pros and cons of each plan. He spent a lot of time asking questions and listening in order to understand my needs. He then researched all the different companies and plans that would best suit me and presented the information to me in terms I could understand so that I could, truly, make an educated decision. He also got the me best value for my money. I am grateful to Chuck and know that my long-term needs will be sufficiently met thanks to his efforts, knowledge of the industry, and service to me as a client. I highly recommend Chuck; he is excellent. | finance |
https://fortkentanimalhospital.com/new-patient-center/payment-options.html?page=home | 2018-07-18T06:35:56 | s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676590069.15/warc/CC-MAIN-20180718060927-20180718080927-00426.warc.gz | 0.917711 | 543 | CC-MAIN-2018-30 | webtext-fineweb__CC-MAIN-2018-30__0__127904401 | en | - We strive to provide complete care for our patients. Learn more about all the services we provide.
You are using an outdated browser. Please upgrade your browser to improve your experience.
We accept debit cards, credit cards (Visa, Mastercard, Discover, American Express) checks and cash. Cash is accepted in US funds only. There are several banks and credit unions conveniently located in the Fort Kent area where funds may be exchanged prior to your appointment. All cards must be signed and presented by the owner of the card.
Wellness plans are offered to allow you to spread the cost of your pet's annual care evenly throughout the year. These plans may be prepaid directly at our office or you can contact Partners In Wellness to arrange for convenient automatic monthly payments to your credit card account.
Insurance For Your Pets
For services not covered by wellness plans, we highly recommend pet insurance to help you in times of need.
Veterinary Pet Insurance (VPI) is one of the oldest and most reliable pet insurance companies in the United States. See www.PetInsurance.com for available policies and applications. For our Canadian clients, Trupanion offers coverage on both sides of the border. See www.Trupanion.com for details.
More companies are offering pet insurance every year. Comprehensive policies may cover everything including routine check-ups and vaccinations, which means you may not even need a wellness plan! Less expensive policies are available to cover major expenses due to injury or illness. This coverage can be life-saving in the face of an expensive fracture repair if your pet is struck by a car, or to cover a hospitalization if your pet eats a toxic substance or a toy that must be surgically removed.
Please be aware that in some cases, you pay for your pet's care upfront and present receipts to the insurance company to receive reimbursement. Our office can often work with you and the insurance company to assure proper payment to us or reimbursement to you.
When expenses arise without insurance, we recommend applying for a payment plan through Care Credit. See www.CareCredit.com or fill out an application at our office for instant approval. Once approved, you may use Care Credit a single time or continuing use for all of your pet's medical needs. Care Credit is accepted by many veterinary hospitals across the country in case you travel or relocate.
Highlights of the Care Credit program:
We encourage clients without other forms of credit to apply for a Care Credit account prior to occurrence of any accident or illness. This way you will have peace of mind and one less thing to worry about in a time of stress should your pet become ill or injured. | finance |
https://days365play.com/sports1/ipl-franchise-owner | 2022-12-01T17:51:26 | s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710829.5/warc/CC-MAIN-20221201153700-20221201183700-00657.warc.gz | 0.966374 | 496 | CC-MAIN-2022-49 | webtext-fineweb__CC-MAIN-2022-49__0__4962986 | en | Reliance, RPSG, Sun TV, CSK, Royals Sports Group and JSW Sports, owners of six Indian Premier League franchises, have already emerged as successful bidders for the T20 competition in South Africa. In a press release, Cricket South Africa announced that the IPL franchise owners in Mumbai, Lucknow, Hyderabad, Chennai, Rajasthan and Delhi now have South Africa T20 teams from Cape Town, Durban, Gqeberha (formerly known as Port Elizabeth), Johannesburg. Paarl and Pretoria.
An open bidding process managed by Deloitte Corporate Finance attracted more than 29 bidders to purchase the franchise. More than 10 locations were made available to those interested in the franchise, six of which were ultimately shortlisted.
The first reports have emerged of IPL owners looking to invest in a new league in South Africa. The confirmation of the same propels the game of cricket into a new era with a strong ownership footprint in India. The UAE T20 league already has five of its six franchise owners in India, three of which have IPL teams. The owners of Kolkata Knight Riders, Punjab Kings and Rajasthan Royals have already invested in the Caribbean Premier League.
Former South African captain and CSA boss Graeme Smith, who will take over as commissioner of the new league, expressed his excitement about the new start.
“This is truly an exciting time for South African cricket; the overwhelming interest shows that the country remains valued in the global cricketing eco-system,” he said.
“The strong sports background of the respective owners and the global brands they manage ensures that South African cricket and the broader industry will benefit from their expertise and resources, as they bring stability and experience to the League.”
Reliance Industries Limited is a well-known company in the sports environment and has already acquired a franchise in the UAE T20 League, its third T20 franchise in three countries.
"We are thrilled to bring Mumbai's fearless and fun cricket market to South Africa, a country that loves cricket as much as we do in India," said Reliance Industries CEO Nita Ambani. said in a recent press release.
"South Africa has a strong ecosystem of the game and we look forward to exploring the strength and potential of this partnership. As MI's global cricket footprint grows, we will remain committed to spreading joy and excitement through sport!" | finance |
https://dxerhamnews.wordpress.com/tag/ifttt/ | 2022-08-09T14:33:28 | s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882570977.50/warc/CC-MAIN-20220809124724-20220809154724-00744.warc.gz | 0.96073 | 358 | CC-MAIN-2022-33 | webtext-fineweb__CC-MAIN-2022-33__0__195470952 | en | If you’re a regular on the SWLing Post, you’ll certainly know our contributor, Robert Gulley.
Robert is a wonderful friend and one of the biggest ambassadors for radio I know. Robert has mentored a countless number of ham radio operators and radio listeners–his enthusiasm is infectious.
This time, Robert could really use our help.
His wife Jennifer has Secondary Progressive Multiple Sclerosis (MS)–a disease that has progressed to the point she needs 24/7 care. Finances are tight, so when a home equity loan taken out over 15 years ago recently ballooned, Robert and Jennifer have struggled to make these payments and stay afloat.
They’ve explored refinancing and even selling their home, but the numbers simply don’t work in their favor.
I, along with a number of Robert’s close friends, have encouraged him to start a GoFundMe campaign to try to raise some funds to pay down the home equity loan.
Robert isn’t the sort of guy that ever asks for help, indeed he’s always the one giving help. This is why I’m asking you to consider supporting his GoFundMe campaign if you have the means to do so. You can read more about his situation on the GoFundMe page.
Any amount will help as it will be dropped on the principle of their loan and thus shorten the term or even make a refinance possible.
GoFundMe is a reputable organization to raise funds and they don’t take a large cut like some other platforms do, but if you would rather support Robert outside of GoFundMe (directly, by check for example) feel free to contact him. | finance |
https://arieframadhan88.wordpress.com/author/arieframadhan911278041/ | 2018-02-25T07:17:36 | s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891816178.71/warc/CC-MAIN-20180225070925-20180225090925-00153.warc.gz | 0.95717 | 1,252 | CC-MAIN-2018-09 | webtext-fineweb__CC-MAIN-2018-09__0__94665201 | en | Giving Car Costs An Overhaul – For many consumers, the costs associated with owning and operating a car continue to rise. Fuel prices, insurance rates and car maintenance expenses have all gone up in recent years. Thankfully, you don’t have to alter your driving habits or buy a new car to get some relief. Here are some quick, inexpensive, easy ways to save money:
Mind the air to save money on fuel–The U.S. Energy Department reports that underinflated tires can increase fuel consumption by up to 3 percent. One study estimates that 50 to 80 percent of the tires rolling on U.S. roads are underinflated. Astonishingly, Americans could save up to two billion gallons of gas each year simply by properly inflating their tires.
Secondly, a clogged air filter can increase fuel consumption by as much as 10 percent. Air filters keep impurities from damaging the interior of the engine, so replacing dirty filters will save gas and protect your engine. More tips to save money on fuel are available at http://www.fueleconomy. gov.
Get slick to reduce maintenance costs–There are high-performance motor oils that can make meaningful improvements to a car’s fuel economy and engine life. For instance, numerous independent studies have found that Royal Purple motor oil can improve fuel economy by 5 percent or more. Find out more at their Web site, http://www.royalpurple.com.
Using a high-performance synthetic motor oil, as opposed to conventional oil, also allows for more miles between oil changes. This reduces maintenance costs and the amount of time spent on maintenance. You’ll pay a little more for premium motor oil, but the savings in fuel and reduced maintenance costs more than make up for the higher price.
MK Kashiyama Merek Spare Part Mobil untuk Rem Cakram, Rem Tromol dan Kampas Rem Berkualitas Terbaik di Indonesia. Reduce your insurance costs by doing your homework–One of the simplest ways to reduce insurance costs is to shop around. Get at least three price quotes. You can call companies directly or access information on the Internet. The state insurance regulator may also provide price comparisons. Other ways to reduce insurance costs can be found by visiting the U.S. Insurance Information Institute’s Web site at http://www.pueblo.gsa.gov/cic_text/cars/autoinsu/autoinsu.htm.
An astute consumer can save hundreds of dollars a year on automotive expenses without buying a new car or changing lifestyle. All it takes is a little time, research and the choice of better-performing products.
There are a number of ways to reduce the costs associated with owning a car.
Educate Yourself To Amazing Car Finance – When it comes to making a car purchase, paying for it is a big part of the battle. Even mid level new cars run into the $20,000 range. Because of these prices, few people pay cash for cars anymore and statistically about 7 out of every 10 people use car finance to pay for their new vehicle. In order to get the best car finance possible, you need to understand how the whole process work.
First, you want to figure out where you are going to get your car finance. There are a number of institutions that can get you financing. Banks, credit unions, the dealership, or even auto manufacturers can provide financing for your new or used vehicle.
Second, with a car finance, you need to realize that whether you buy a new or used vehicle will affect your financing. As a general rule, interest rates will be lower on new cars than on used ones. Also, new cars can often qualify for financing over a longer period of time than can used cars.
Next, when it comes to our car finance, donít believe everything you see or read. Commercials for special financing for those who are first time buyer or have bad credit abound in papers and on the television. These are usually a little too good to come true and come attached with requirements such as extra high down payments and extremely high interest rates. In some cases, both apply to the loan.
Before you go to get your loan, make sure you know about your own credit history. Get a copy of your credit report and go over it with a fine toothed comb. Look at the score as well as the payment histories on it. If anything at all looks incorrect, make sure you get it cleared up. When a lender looks at how much money to give you, they will check out your debt ratios, how long you have been at your job, your history with similar loans, and your credit report as a whole.
Once you are armed and ready to consider your car finance, shop around. It is usually a good idea to look for the financing before you buy the car. You will better know what you qualify for that way. Also, you can use your information to bargain further with the dealer. In order for them to finance your car, you should ask them to beat the rate you have from wherever else you have looked.
Remember that everything is negotiable. Just because the car finance rate you got is pretty good, it doesnít mean that you have to pay what they ask. Negotiate the rate of your loan, the price of the car, or anything else you can talk to them about. It canít hurt and you could save yourself a lot of money that way. As the process goes on, donít get caught up in the numbers. The dealers will try to give you monthly payment numbers only so that you donít notice any added charges. However, sit down with a calculator and just figure out the payments yourself and you will have nothing to worry about.
Always know that car financing may seem complicated, but it doesnít have to be. Educate yourself, shop around, and make sure you know what is going on and you should have no problem. Better yet, you will find yourself with a great new or pre-owned automobile. | finance |
http://ecocarib.com/sunny-savings-how-solar-pv-reduces-your-energy-bills-in-the-caribbean/ | 2024-04-15T00:02:46 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816904.18/warc/CC-MAIN-20240414223349-20240415013349-00741.warc.gz | 0.8902 | 767 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__101110656 | en | How Solar PV Reduces Your Energy Bills in the Caribbean
In the picturesque landscapes of the Caribbean, where the sun’s embrace is a daily gift, there’s a powerful opportunity to transform how you power your home. Solar photovoltaic (PV) systems are leading the charge towards cleaner, more sustainable energy solutions. Beyond their positive impact on the environment, solar PV systems offer a substantial financial advantage by significantly reducing your energy bills. In this article, we’ll explore how harnessing the Caribbean sun through solar PV can lead to sunny savings that brighten your financial outlook.
Understanding the Solar Savings Equation At its core, solar energy is about capturing the sun’s energy and converting it into electricity to power your home. Here’s how solar PV works to usher in savings:
- Energy Generation: Solar panels absorb sunlight and generate direct current (DC) electricity.
- Inverter Conversion: Inverters then convert the DC electricity into alternating current (AC), which is the form of electricity used in homes.
- Powering Your Home: The AC electricity produced by the solar panels powers your appliances and electronics, offsetting the need to draw power from the grid.
- Net Metering: Excess electricity generated during sunny days is often fed back into the grid, earning you credits that can be used when your solar panels produce less energy (such as during the night).
Savings That Shine: The Financial Benefits of Solar PV in the Caribbean
- Reduced Energy Bills: By generating your own electricity, you decrease your reliance on utility companies, leading to substantial reductions in your monthly energy bills.
- Energy Independence: Solar PV systems allow you to take control of your energy production, shielding you from fluctuating energy prices.
- Return on Investment (ROI): While upfront installation costs exist, the long-term savings from reduced energy bills often result in a positive ROI, meaning your system pays for itself over time.
- Net Metering Rewards: Through net metering programs, you can earn credits for excess energy produced, potentially even receiving payments from utility companies.
- Decreased Carbon Footprint: Solar energy not only saves you money but also aligns with a greener lifestyle, contributing to a healthier environment for future generations.
Why Ecocarib is Your Partner in Solar Savings At Ecocarib, we’re dedicated to transforming the way Caribbean homes harness energy. Our solar PV systems are designed to amplify your savings and empower you to embrace a more sustainable future:
- Customized Solutions: We tailor each solar PV system to your unique energy needs and budget, ensuring you make the most of your investment.
- Efficiency at Heart: Our high-efficiency solar panels capture maximum sunlight, translating into higher energy generation and greater savings.
- Expert Installation: Our experienced team ensures seamless installation, optimizing your system’s performance and longevity.
- Net Metering Mastery: We guide you through net metering programs, helping you maximize your credits and savings.
- Long-Term Vision: With Ecocarib, your solar journey is a partnership. We’re here to provide maintenance, support, and insights for years to come.
A Brighter Future, Powered by Savings In the Caribbean, where the sun is a constant companion, solar PV systems offer a transformative path to financial freedom and environmental stewardship. By generating your own electricity and embracing solar savings, you’re not only lowering your energy bills but also contributing to a cleaner, more sustainable world. With Ecocarib as your trusted partner, the sunny savings journey becomes a reality, illuminating a future where energy costs are minimized, the environment flourishes, and your home shines as a beacon of responsible living. | finance |
http://www.makemytrade.in/mcx-positional/ | 2019-03-22T11:10:30 | s3://commoncrawl/crawl-data/CC-MAIN-2019-13/segments/1552912202642.32/warc/CC-MAIN-20190322094932-20190322120932-00322.warc.gz | 0.783346 | 398 | CC-MAIN-2019-13 | webtext-fineweb__CC-MAIN-2019-13__0__45683578 | en | MCX Positional package is a special package designed for traders, who wishes to use the volatility of bullion markets, specially in MCX Gold, Silver, Crude Oil, Natural Gas, Copper, Nickel, Lead, Zinc & Aluminium on positional basis.
This package really suits the clients or traders like to trade on BTST (buy today, sell tomorrow), STBT (sell today, buy tomorrow) or short-term positional (maximum 5 working days) basis.
Make my Trade maintains 85-90% success ratio on consistent basis, we make sure you earn decent profit on your invested capital. Our mission is to update you with the latest happening in commodity markets on local or global level at the right time.
- Commodities Covered:
- Bullions: MCX Gold & Silver
- Metals: MCX Copper, Nickel, Lead, Zinc & Aluminium
- Energy: MCX Crude Oil & Natural Gas
- Single target & fixed stop loss for all calls.
- Daily 1-2 high accurate positional trading tips
- Only current market price calls
- Minimum capital requirement: INR 1,00,000 or above
- Period based package
- Up to 85% accuracy level
- Daily, weekly & monthly newsletter
- Call updates, follow-ups, all important news & market related information
- Complete support on direct mobile number & chat (through google-talk)
- User Id & password to members zone
- Calls will be given only via SMS, Chat & E-mail
- India: All GSM & CDMA networks covered
Buy Gold MCX August Futures
Current price: 27400
Target Price: 27750
Stop Loss Price: 27300
Duration: 2 Days
Quantity: 2 Lots
Gold MCX Positional Call Update:
Buy given @ 27400 (2 Lots) yesterday
Current Price: 27755
Book Profit & Exit | finance |
https://www.housingworkshop.com/copy-of-janet-smith-heimer-mba | 2023-03-22T22:55:32 | s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296944452.97/warc/CC-MAIN-20230322211955-20230323001955-00507.warc.gz | 0.951223 | 502 | CC-MAIN-2023-14 | webtext-fineweb__CC-MAIN-2023-14__0__84998401 | en | Michael Smith-Heimer, MCP, MBA, PhD
Michael Smith-Heimer has extensive experience in affordable housing finance, acquisitions, and development. He is expert in Low Income Housing Tax Credits (LIHTCs), tax exempt multifamily bond finance, HUD programs, and complex P3 transactions. Michael works on selected projects for The Housing Workshop.
Michael was co-owner of the John Stewart Company and served progressively as Development Director and CFO for the Company for over 20 years. The John Stewart Company, one of the largest for-profit affordable housing development and management companies in the US, operates primarily in California. With over 30,000 units under management, the firm has also developed numerous projects, including new construction, rehab, and preservation of expiring projects. During Michael’s tenure, the company developed more than 3,000 affordable units, including rehabilitation of Mercy Family Plaza in San Francisco, financed with LIHTC’s and Historic Tax Credits; renovation and LIHTC financing for senior housing in downtown Vallejo; new construction of a mixed use, mixed income affordable artist live/work project in Ventura CA, rehabilitation and reuse of Treasure Island military housing financed with company equity; renovation and preservation of Monte Alban in San Jose; and new construction of both Bay Street and Hunters View in San Francisco, using combinations of HOPE VI, LIHTC, and other sources.
Michael also served as Director of Special Projects for the Low Income Fund (LIF), a CDFI based in San Francisco. During his tenure at LIF, Michael developed numerous complex financing mechanisms and assisted other non-profit and community development lenders to organize financing programs. Early in his career, he served as a Senior Financial Analyst for Bank of America, where he structured corporate loan programs for residential development.
Michael also served as an Adjunct Professor in the Department of City and Regional Planning at UC Berkeley for over 20 years. Throughout Michael’s career, he also provided consulting services to the California Department of Housing and Community Development, as well as to multiple lenders and policy groups.
Michael holds a Bachelor of Urban Planning from the University of Cincinnati, an MCP and MBA from UC Berkeley, and a PhD in City Planning from UC Berkeley. He is a past Board Member of the Fort Mason Foundation, a premier arts facility in San Francisco. He is also an award-winning landscape photographer with installations throughout the Bay Area (see www.mash-production.com ). | finance |
http://www.cfsinvestors.com/ | 2020-11-26T06:02:08 | s3://commoncrawl/crawl-data/CC-MAIN-2020-50/segments/1606141186761.30/warc/CC-MAIN-20201126055652-20201126085652-00649.warc.gz | 0.929877 | 1,075 | CC-MAIN-2020-50 | webtext-fineweb__CC-MAIN-2020-50__0__185253084 | en | We are available to answer your questions or concerns. Call Galo at (323) 464-6040
At Comprehensive Financial Services (CFS), Galo wants you to know your concerns are our priority during these challenging times. During the California Lockdown, we have verified we’re classified as an essential business in order to be available for you. Due to health concerns, we have arranged for at least one person available for your calls.
Please be patient if you happen to receive a voicemail.
Be safe & well.
Have you been receiving our emails regarding the Coronavirus & its impact on the market? Call Galo at (323) 464-6040
Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.
Comprehensive Financial Services (CFS) strives to offer the most complete solutions to our clients’ financial needs and objectives. Whether it’s home or commercial financing, estate or investment planning*, life or health insurance, or trustee services, CFS hopes to offer a custom resolution for our clients.
In addition to founding CFS, Galo is an investment advisory representative* registered with Avantax Vest Advisory ServicesSM. Mr. Medina holds a Series 7 (General Securities) license, a Series 65 (Uniform Combined State Law) license, and California State Life Insurance and Annuity licenses. Also, He holds a Mutual Fund Counselor Charter (CMFC) from the College of Financial Planning, as well as a Certified Senior Advisor designation from the Society of Certified Senior Advisors.
Mr. Medina is responsible for the financial planning and investment areas of our practice. These services include investment advisory services, retirement planning, college education planning, estate/legacy planning, and personal/corporate life insurance. Galo also works closely with Matt Crammer and Robert Kern on tax planning issues in order to provide our clients with simplified, integrated, and comprehensive wealth management services.
Mrs. Robyn Medina has over ten years experience in the investment securities industry and is a registered representative for Avantax Investment ServicesSM. She specializes in the college savings arena with an expertise of 529 plans.
We encourage you to explore our site and learn more about the services we provide. Should you have any questions or would like more information on our firm, please feel free to email us at email or call us at 323-464-6040. We look forward to hearing from you.
The Cost of Procrastination
Don't let procrastination keep you from pursuing your financial dreams and goals.
An Overview of Renter’s Insurance
Don’t overlook the need for renter’s insurance if you rent your home.
Coaches have helped you your whole life, in ways big and small. We’d like to be one of them.
The wise use of credit is a critical skill. These 10 questions will help you assess your skill level.
Understanding the economy's cycles can help put current business conditions in better perspective.
Sound estate management includes creating financial and healthcare documents. Here's an inside look.
Have you ever wondered how your credit score compares to the rest of the country? Take a look and see.
Annuities are versatile tools that can help you save for retirement and generate income in retirement.
Diversification is an investment principle designed to manage risk, but it can't prevent against a loss.
This calculator estimates your chances of becoming disabled and your potential need for disability insurance.
Use this calculator to compare the future value of investments with different tax consequences.
Use this calculator to better see the potential impact of compound interest on an asset.
This calculator estimates how much life insurance you would need to meet your family's needs if you were to die prematurely.
Estimate how much you have the potential to earn during your working years.
This calculator helps determine your pre-tax and after-tax dividend yield on a particular stock.
The chances of needing long-term care, its cost, and strategies for covering that cost.
Principles that can help create a portfolio designed to pursue investment goals.
A presentation about managing money: using it, saving it, and even getting credit.
How federal estate taxes work, plus estate management documents and tactics.
The importance of life insurance, how it works, and how much coverage you need.
Investment tools and strategies that can enable you to pursue your retirement goals.
There’s an alarming difference between perception and reality for current and future retirees.
Selecting a mortgage isn't an easy process. Get a better understanding of how professionals make the right decisions.
Understanding the cycle of investing may help you avoid easy pitfalls.
Though we don’t like to think about it, all of us will make an exit sometime. Are you prepared?
Why are 401(k) plans, annuities, and IRAs so popular?
Can successful investors predict changes in the markets? Some can but others miss the market’s signals. | finance |
http://www.southindianbank.com/extras/MobileRecharge.aspx | 2016-07-28T08:36:39 | s3://commoncrawl/crawl-data/CC-MAIN-2016-30/segments/1469257828010.15/warc/CC-MAIN-20160723071028-00029-ip-10-185-27-174.ec2.internal.warc.gz | 0.787848 | 187 | CC-MAIN-2016-30 | webtext-fineweb__CC-MAIN-2016-30__0__27963460 | en | Recharge your prepaid mobile balance online or directly from your phone with your SIB account registered for PayMate services of the bank. Click here
for more details regarding the PayMate registration process in the bank. On successful payment you will instantly receive a top-up confirmation SMS from your operator.
How to recharge via SMS
To top up your own mobile number SMS RCG < Amt > to 5667711. For e.g. RCG 50
- To top up someone else’s mobile number SMS RCG < Mobile number > < Amt > to 5667711. For e.g. RCG 9324242341 50
-You can currently avail this top-up service for Aircel, Airtel, Idea, Vodafone, Reliance, Tata Indicom, Virgin Mobile, BSNL and BPL (Loop) Mobile networks. | finance |
https://revista.visionfruticola.com/view/930255498/10/ | 2023-03-28T15:06:44 | s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296948867.32/warc/CC-MAIN-20230328135732-20230328165732-00407.warc.gz | 0.954275 | 557 | CC-MAIN-2023-14 | webtext-fineweb__CC-MAIN-2023-14__0__144812925 | en | On the Radar
Food Inflation Drops for Second Straight Month
Produce Industry Icon Jim Prevor Passes Away
The all-items Consumer Price Index (CPI), a measure of economy-wide inflation, rose by 7.7% year-on- year in October. This is a slower pace of increase than the 8% that many economists had been
expecting, and the lowest annual inflation reading since January. Food price inflation declined for the second month in a row to 10.9% year-on-year, according to the USDA’s Econom - ic Research Service (ERS). This is down from a high of 11.4% in August.
Farm-Level Economic Uncertainty Remains
The Purdue University/CME Group Ag Economy Barometer, which is calculated each month from 400 U.S. agricultural producers’ responses to a telephone survey, came in at a reading of 102 in November, unchanged from October. High input costs continue to weigh on producers’ minds with 42% of respon - dents in this month’s survey citing that as their top
Jim Prevor, the founder and edi - tor-in-chief of publications includ - ing Produce Business magazine, suddenly passed away in November from heart failure. He was a pro - duce industry icon and maverick thought-leader. On this earth for merely 61 years, Jim was a force of boundless energy and enthusiasm for the perishable food and fresh produce industry in which he was born and carried a rich family legacy. Jim is survived by his wife Debbie, sons William and Matthew, and loving extended family and friends.
Kroger and Albertsons Announce $24.6B Merger Plans concern in the year ahead. Slightly over one-fifth of respondents chose rising interest rates, while 14% cited input availability and declining commodity pric - es as a top concern. Nearly 80% of respondents indicated now is a “bad time” to make large investments in farm machinery.
Kroger and Albertsons Companies, two of the United States’ largest supermarket chains, on Oct. 14 an - nounced plans to merge in a deal that could change the country’s food retail landscape. Kroger said it would acquire Albertsons for $24.6 billion. The two companies have about 5,000 stores across the country under chains like Ralphs, Safeway and Vons.
The chief executives of both companies defended the merger to the U.S. Senate committee late in November. Kroger said in early December that it still expects to complete the deal in early 2024.
10 Vision Magazine
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http://chuchilandia.com/index-142.html | 2023-10-01T06:37:09 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510781.66/warc/CC-MAIN-20231001041719-20231001071719-00485.warc.gz | 0.937562 | 732 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__4495175 | en | Description: For beginners, sports betting may seem like a great way to make a lot of money. However, this hobby has many pitfalls, so making money from sports betting is far from easy. For beginners, we have prepared some useful tips on how to learn online betting.
Betting on Sports: Best Way to Have Fun?
Betting on sports at the largest bookmakers, among which 22Bet has long held a special place, should be seen not only as a gambling hobby but also as an investment. Many bettors successfully earn a stable profit over a long distance.
True, it is not a full-fledged investment. Because the player always risks the whole bet. Whereas when investing money in stocks or currency rates, the major part of the investment can be returned.
But, if each bet is correctly predicted, sports betting can bring dividends in the long run.
It is necessary to understand that it is unrealistic to get one hundred percent profit. But it is quite possible to earn 10-20% of the bet amount. Note that in financial and stock markets, an excellent result is considered to be an annual growth of 10-15% in the value of shares.
When considering sports betting as an investment, first of all you should determine your financial strategy. It is not related to the type of sport or the choice of the bookmaker. The main task of this strategy is to allocate your capital correctly with minimal risk.
It is recommended to follow the most conservative recommendations. In particular, the size of a bet on sports should not exceed 1-3% of the deposit, and all, risky bets with excessively high odds should be excluded.
It is also necessary to set goals for the strategy. For example, the income for six months of playing in a bookmaker’s office should be 10% of the amount of all bets made. The same applies to expenses. Losing more than 30% of the deposit in a month should be considered as a reason to reconsider methods of analysis. It can also be a sign of lack of knowledge, necessary for successful making forecasts.
Increase the amount of investment only if your deposit is constantly growing. Or in case you are striving to reach higher betting limits.
It is strictly forbidden to increase the betting amount when the deposit decreases, especially if it is done to win back the lost money. With high probability, such a step will only worsen the situation.
A careful strategy may not bring you the same excitement and pleasure as betting on sports without a system, but it will protect you from losing money.
Choosing Sports Betting for Investment
Having built a strategy, move on to the choice of the main investment instrument. We recommend stopping at the ordinary bets on the outcome. This is the most simple and clear type of betting. It is much easier and more reliable to work with than with handicaps and totals. Express bets on sports are better to discard as the least promising and, at the same time, the riskiest tool.
As for the sport, it all depends on the bettor’s preferences, knowledge, and experience. It can be any sports discipline you know well. Don’t forget to study statistics and stay up to date with the latest news.
The line of a sportsbook is of great importance. When choosing sports betting, be sure to compare the lines of several bookmakers to find the most favorable odds for investment. Your work with betting should not be limited to one office.
Together, these measures allow you to count on a positive result. | finance |
http://crossroads360.com/article-avoid-costly-mistakes-in-managing-your-parents-finances-/220515 | 2020-12-01T15:24:10 | s3://commoncrawl/crawl-data/CC-MAIN-2020-50/segments/1606141674594.59/warc/CC-MAIN-20201201135627-20201201165627-00408.warc.gz | 0.965542 | 547 | CC-MAIN-2020-50 | webtext-fineweb__CC-MAIN-2020-50__0__130298574 | en | It is important to be prepared for the responsibility of managing your elderly parents' financial affairs, because mistakes can have adverse consequences for both seniors and their families.
My parents appointed my brother and I as their substitute decision-makers for property in a legal document called a Continuing Power of Attorney, when they were both mentally competent. Our mother asked us to take over the financial reins after my father passed away, just two years later. Fortunately, David and I were able to draw upon our extensive business experience to handle the task. The following are some tips we learned that helped us avoid costly mistakes.
Gather financial information before it's too late.
Once a parent has asked for your help handling their financial affairs, learn their filing system and get as much information as soon as you can, before they possibly become incapacitated by physical illness or dementia. This includes information about banking and investment accounts, sources of income, employer, union or veterans' health benefits, income tax returns for the prior two years and current year receipts, insurance policies, and the contact information for any financial advisors.
Keep good records of financial transactions to avoid family and legal problems.
Your loved one's financial accounts and transactions should be kept completely separate from yours. In your role as a substitute-decision maker, you are legally obligated by regulations in Ontario (and likely most other provinces) to keep complete and documented records of all of your transactions, whether they involve the sale of your parents' house or paying their bills.
If you don't keep good records, other family members may question how a loved one's money was spent. A lack of trust or confidence could lead to litigation or lifelong family feuds.
Invest a parent's money conservatively or you may have to support them.
Managing a senior's investments can be more difficult than for a younger investor, because the value of securities can rise or fall dramatically in a short period of time. If $100,000 in capital assets are lost early in a senior's declining years they may not have the time to recover the funds to pay for all of their eldercare expenses.
Their money must, therefore, be conservatively invested. A 4 to 6 per cent return range is a high enough goal to set, because securities that promise a higher return usually come with a higher risk. Since seniors have a greater need for income and a lower tolerance for risk than younger people, investment objectives should focus on diversifying capital assets and choosing only income-producing investments that are fairly secure.
Shirley Roberts was the primary caregiver of her mother for seven years and is the author of Doris Inc.: A Business Approach to Caring for Your Elderly Parents. | finance |
https://bestgadgetdiary.com/web-stories/8-facts-about-president-biden-student-loan-relief/ | 2024-04-13T12:50:21 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816734.69/warc/CC-MAIN-20240413114018-20240413144018-00660.warc.gz | 0.947155 | 252 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__145086794 | en | A three-part plan delivers on President Biden’s promise to cancel $10,000 of student debt for low- to middle-income borrowers
Most federal student loan borrowers will be eligible for some forgiveness: up to $10,000 if you didn’t receive a Pell Grant, which is a type of aid available to low-income undergraduate students, and up to $20,000 if you did.
The skyrocketing cumulative federal student loan debt—$1.6 trillion and rising for more than 45 million borrowers is a significant burden on America’s middle class.
President Biden’s plan to cancel student-loan debt and extend a repayment pause means that the government is transferring debt from borrowers to taxpayers.
This plan is expensive, regressive, and fundamentally unfair to all Americans, especially those who did not take out student loans or who paid them off entirely.
“The median American with student loans has a significantly higher income than the median American overall,” says Senate Minority Leader Mitch McConnell
President Biden is announcing a three-part plan to provide more breathing room to America’s working families as they continue to recover from the strains associated with the COVID-19 pandemic. | finance |
http://foreignaffairs.gov.sl/kuwait-government-donates-usd-250000-towards-the-mudslide-and-flood-disaster-relief-efforts-in-sierra-leone/ | 2018-02-22T04:35:41 | s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891814002.69/warc/CC-MAIN-20180222041853-20180222061853-00094.warc.gz | 0.951859 | 283 | CC-MAIN-2018-09 | webtext-fineweb__CC-MAIN-2018-09__0__248237948 | en | The Deputy Foreign Minister of State of Kuwait, Mr. Khaled Sulaiman Al-Jarallah has announced their intention to join the international community’s efforts to support Sierra Leone in the wake of the mudslide disaster of 14th August 2017, by pledging $250,000 (Two hundred and fifty thousand United States Dollars) towards the Government of Sierra Leone’s (GOSL) relief efforts.
The pledge was made following appeals launched by the Embassy of the Republic of Sierra Leone in the State of Kuwait headed by the Charge’ d’Affaires Mr. Duwai S. Lungay for victims of the Mudslide and Flood disaster.
The Office of the Deputy Foreign Minister of Kuwait announced the pledge on Wednesday 30th August 2017 on behalf of the Government of the State of Kuwait.
It is expected that the Foreign Ministry of Kuwait would make an immediate remittance of the Kuwaiti Government’s contribution to the Disaster Relief Fund Account.
The Charge’ d’Affaires, on behalf of His Excellency Dr. Ernest Bai Koroma, the Government and People of Sierra Leone, thanked the Assistant Foreign Minister in the office of the Deputy Foreign Minister who made the disclosure of the Pledge on behalf of his Government to him over the phone, and assured him that the donation would be used to meet the needs of the victims of the Disaster. | finance |
https://fremontcountyid.gov/245/Circuit-Breaker-Exemption | 2024-02-24T07:24:00 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474523.8/warc/CC-MAIN-20240224044749-20240224074749-00383.warc.gz | 0.928538 | 745 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__88340854 | en | Circuit Breaker Exemption
Idaho Property Tax Reduction Program
Apply Between January 1 and April 15 For The Current Tax Year (This is not intended to provide comprehensive explanations of Idaho tax laws or rules. Specific questions should be addressed to the county assessor. Income and other requirements may change from year-to-year).
The Property Tax Reduction Program program reduces property taxes for qualified applicants. The amount of reduction is based on total household income for the previous calendar year. If you qualify, the property taxes on your home and up to one acre of land may be reduced. Sold waste, irrigation or other fees charged in some counties cannot be reduced by Property Tax Reduction benefits.
You may qualify for property tax reduction if you meet certain requirements. You must have owned and lived in a house or manufactured home in Idaho that was your primary residence. (You may qualify if you lived in a care facility or nursing home. Contact the county assessor for information.)
You must meet certain income requirements after deducting:
- Medical expenses not reimbursed by Medicare or other insurance
- Business or farm losses
- Capital gains
You must be eligible in one or more categories, including:
- Age 65 or older
- Widow(er) of any age
- Fatherless or motherless child, under 18 years of age
- Former prisoner of war/hostage
- Veteran with at least 10% service-connected disability, or receiving VA pension for a non-service-connected disability
- Disabled as recognized by the Social Security Administration, Railroad Retirement Board or Federal Civil Service.
Contact your county assessor. The Fremont County Assessor's Office is located in the basement of the County Courthouse in St. Anthony. An elevator is available from the west entrance.
Complete an online application at https://idahotap.gentax.com/tap/_/. If you need help, the assessor's staff will assist you.
You can apply for property tax reduction between January 1 and April 15 of the current tax year. To receive this benefit, you must apply and qualify each year. It is not renewed automatically.
You will be required to show proof of your income, medical expenses and any disability when you file your application.
If you are missing some of this information, complete as much of the form as possible, sign and return it to the assessor's office by the April 15 deadline. Attach a note of explanation if you have estimated any part of your income. You will be allowed a reasonable amount of time to complete the form after the filing deadline.
If your application is approved, your property tax reduction will appear on the tax notice sent in November.
All recipients of the property tax reduction benefit automatically receive the Homeowner's Exemption, which reduces the taxable value of a home (excluding land) by 50% or $50,000, whichever is less.
You must provide the assessor's office with documents to show your income and expenses. (Bring original documents or copies if you apply in person; send copies if you mail your application).
When you complete your application, you must report all household income received by:
- Yourself and your spouse
- Children or parents who live at home
- Other household members
For more information, contact:
- Local County Assessor
- Idaho State Tax Commission phone: 208-334-7736 or toll-free from Idaho, Oregon, Utah, and Washington, phone: 800-972-7660.
- Hearing Impaired Phone: TDD 800-377-3529
- Downloadable Brochure Explaining the Property Tax Reduction Program | finance |
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