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https://www.ohiocatholicfoundation.com/2022-catholic-education-scholarship-program/ | 2024-02-20T23:06:29 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473347.0/warc/CC-MAIN-20240220211055-20240221001055-00474.warc.gz | 0.928385 | 306 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__114939143 | en | In keeping with its commitment to support Catholic education, Ohio Catholic Federal Credit Union will be randomly selecting up to 15 students to receive a $1,000 Catholic elementary or high school scholarship for the 2022-2023 academic year.
To be eligible for a scholarship, students must:
- Have a Genesis Savings account with Ohio Catholic Federal Credit Union with a minimum balance of $10.00
- Currently attend a Catholic elementary school or high school in Ohio
- Be enrolled in a Catholic elementary school or high school for the 2022-2023 school year. The scholarship funds will be sent directly to the Catholic school in the name of the student awarded the funds.
One eligible student from each of our student banking partner schools will be selected to receive a scholarship.
St. Albert the Great School / North Royalton
St. Anselm School / Chesterland
St. Barnabas School / Northfield
St. Benedict School / Garfield Heights
St. Francis De Sales School / Akron
Immaculate Heart of Mary School / Cuyahoga Falls
Sts. Joseph & John School / Strongsville
St. Mary School / Chardon
St. Vincent De Paul School / Akron
Students who do NOT attend a student banking partner school may become eligible to be randomly selected for a scholarship by opening a Genesis Savings account at any of our four local branches.
The deadline for opening a Genesis Savings account and being eligible for this year’s Catholic education scholarship is March 31, 2022. | finance |
https://stasher.com/blog/understanding-credit-card-reward-points-and-how-to-maximize-them/ | 2024-04-19T14:58:44 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817438.43/warc/CC-MAIN-20240419141145-20240419171145-00304.warc.gz | 0.940896 | 1,708 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__191054800 | en | Credit card reward points are a popular incentive offered by credit card companies to attract and retain customers. They can be redeemed for a variety of items, from travel to cashback to merchandise. However, not all reward programs are created equal, and maximizing your reward points can be challenging. In this article, we’ll explore the ins and outs of credit card reward points and how to get the most out of them. If you’re new to the world of credit card points, you might find The Points Party Beginner’s Guide a useful starting point.
What are Credit Card Reward Points?
Credit card reward points are a form of loyalty program offered by credit card companies to incentivize customers to use their credit cards for purchases. These points are earned on eligible purchases and can be redeemed for rewards such as travel, cashback, and other perks. Depending on the type of credit card, reward points will accumulate at different rates based on the amount spent on the credit card.
But did you know that travel credit card reward points can also come with additional benefits? For example, some credit cards offer complimentary travel insurance when you use your card to purchase travel tickets. This can save you money on purchasing separate travel insurance policies. Additionally, some credit cards offer extended warranties on purchases made with the card, providing extra protection and peace of mind.
Types of Credit Card Rewards
There are several types of credit card rewards. Some popular ones include travel rewards, cashback rewards, merchandise rewards, and statement credits. Understanding the different types of rewards can help you choose a credit card that aligns with your lifestyle and spending habits.
Travel rewards can be particularly valuable for people who travel frequently. Some credit cards offer rewards such as free flights, hotel stays, or upgrades. Additionally, some credit cards offer lounge access at airports, providing a comfortable and relaxing space to wait for your flight.
Cashback rewards can be a great way to earn money back on your purchases. Some credit cards offer up to 5% cashback on certain categories of purchases, such as groceries or gas. This can add up quickly and provide a nice bonus at the end of the year.
Merchandise rewards can be a fun way to redeem your points. Some credit cards offer rewards such as electronics, household items, or even gift cards. This can be a great way to treat yourself or purchase gifts for others.
How Reward Points Are Earned
Reward points are earned based on eligible purchases made with the credit card. Some credit cards offer bonus points for specific categories of purchases, such as groceries or gas. There are also opportunities to earn additional points through sign-up bonuses, referrals, or spending thresholds.
It’s important to note that not all purchases will earn reward points. Some credit cards exclude certain purchases, such as cash advances or balance transfers, from earning points. It’s important to read the terms and conditions of your credit card to understand what purchases are eligible for reward points.
Understanding Point Values
The point value of a credit card reward can vary depending on the credit card company and the reward program. It’s important to understand point values to make informed decisions about reward redemption. For example, some rewards might require more points than others, making them less valuable overall.
Additionally, some credit cards offer more value for your points when redeeming for certain rewards. For example, some credit cards offer a higher redemption value when redeeming for travel rewards compared to merchandise rewards. Understanding these differences can help you maximize the value of your reward points.
Choosing the Right Credit Card for You
Choosing the right credit card is crucial for maximizing your reward points. With so many options available, it can be overwhelming to decide which credit card is best for you. One important decision may be choosing between premium cards such as the American Express Gold and Platinum. Considering the following factors can help make the decision easier.
Assessing Your Spending Habits
Evaluate your spending habits and choose a credit card that rewards you for your most common purchases. For example, if you frequently travel, consider a credit card with travel rewards. If you often dine out, look for a credit card that offers cashback or points for restaurant purchases. Similarly, if you spend a lot on groceries, choose a credit card that rewards you for grocery purchases. By selecting a credit card that aligns with your spending habits, you can maximize your rewards and get the most out of your credit card.
Moreover, understanding your spending habits can help you determine the credit limit you need. If you have a high credit limit, you can make large purchases without worrying about maxing out your card. However, if you are prone to overspending, a lower credit limit may be more suitable for you.
Comparing Reward Programs
Compare the reward programs offered by different credit cards to determine which one best aligns with your needs and preferences. Some credit cards offer cashback rewards, while others offer points that can be redeemed for travel, merchandise, or gift cards. Additionally, some credit cards offer sign-up bonuses, which can be a great way to earn extra rewards. However, be sure to read the fine print and understand the terms and conditions of the reward program before signing up.
Furthermore, some credit cards offer additional perks, such as travel insurance, purchase protection, and extended warranties. These perks can add significant value to your credit card, so be sure to consider them when comparing different credit cards.
Considering Annual Fees and Interest Rates
Annual fees and interest rates can significantly impact the value of your rewards. Be sure to consider these factors when choosing a credit card. Some credit cards offer no annual fees, while others charge hundreds of dollars per year. If you are considering a credit card with an annual fee, make sure the rewards and perks outweigh the cost. For instance, the Chase Sapphire Reserve has a significant annual fee, but the benefits may make it worth it for some people.
Similarly, interest rates can add up quickly if you carry a balance on your credit card. Look for a credit card with a low interest rate to minimize the amount of interest you pay over time.
Overall, choosing the right credit card requires careful consideration of your spending habits, reward programs, annual fees, and interest rates. By selecting a credit card that aligns with your needs and preferences, you can maximize your rewards and get the most out of your credit card.
Maximizing Your Reward Points
Earning points is just the first step in maximizing your credit card reward points. Consider the following strategies:
Combining Multiple Credit Cards
Using multiple credit cards can help you earn bonus rewards on different categories of purchases. Just be sure to manage your cards responsibly and avoid carrying a balance on any of them.
Taking Advantage of Sign-up Bonuses
Sign-up bonuses can be a great way to earn a large number of points quickly. Just be sure to meet the spending requirements to receive the bonus.
Utilizing Shopping Portals and Special Offers
Many credit cards offer special deals and promotions that can earn additional points. Take advantage of these offers to boost your reward points.
Redeeming Your Reward Points
Redeeming your reward points can be just as important as earning them. Consider the following options:
Cashback rewards can be a straightforward way to redeem your reward points. However, make sure to understand the redemption rate for cashback rewards and whether there are any minimum thresholds.
Travel Rewards and Booking Tips
Travel rewards can offer excellent value if you book wisely. Be sure to research flights, hotels, and other travel expenses to get the best deals.
Gift Cards and Merchandise Redemptions
Redeeming your reward points for gift cards or merchandise can be a fun way to treat yourself. Just make sure to choose rewards that you will actually use.
Credit card reward points can be a valuable tool for earning travel, cashback, and other perks. By choosing the right credit card, earning points strategically, and redeeming rewards wisely, you can maximize the value of your credit card reward points. Use these tips to make the most out of your credit card rewards program. Remember, the best credit card for you depends on your individual spending habits, travel preferences, and financial situation. So take your time, do your research, and make an informed choice. | finance |
http://www.activelivingphysio.com/services.html | 2018-07-23T05:30:59 | s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676594954.59/warc/CC-MAIN-20180723051723-20180723071723-00270.warc.gz | 0.904242 | 200 | CC-MAIN-2018-30 | webtext-fineweb__CC-MAIN-2018-30__0__145614219 | en | Initial assessment- Senior Physiotherapist $100
Initial assessment- Physiotherapist $90
30-minute follow up visit $68
Returning client new problem $90/100
1 hour follow up visit $120
We are able to bill most extended health insurance companies: Blue Cross, GreenShield, Sun Life, Manulife, Cowan, DesJardins, Industrial Alliance, Johnson Inc., and Johnston Group. VISA, MC, Debit, and cash are acceptable methods of payment for patient pay amounts or those without health insurance.
ICBC clients are required to contact their adjuster to discuss reimbursement. We do not bill ICBC directly. We do not have a contract to see WSBC clients at this time but are happy to recommend other physiotherapy clinics for WSBC clients.
We do not have direct billing for MSP Eligible patients. We take full visit payment and give a receipt that you are able to submit for MSP refund. | finance |
https://www.unitedway.ro/give-2/?lang=en | 2020-04-09T20:05:41 | s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585371876625.96/warc/CC-MAIN-20200409185507-20200409220007-00265.warc.gz | 0.877446 | 257 | CC-MAIN-2020-16 | webtext-fineweb__CC-MAIN-2020-16__0__161606666 | en | But to continue our vital work, we need your support:
Or donate through bank transfer in one of the United Way Donation accounts:
In RON: RO 67 RZBR 0000 0600 0510 0708
In EUR: RO 72 RZBR 0000 0600 0805 8342
In USD: RO 97 RZBR 0000 0600 0520 4928
Each year, socially responsible companies join their efforts with United Way to address our community’s most stringent issues.
United Way raises important funds through payroll giving.
If your employer is a United Way corporate partner, you can choose to contribute with a fix amount from your every month’s salary.
Donors who give $1,000 or more a year automatically become part of United Way’s Leadership Circle.
Donors who give $10,000 or more a year join the exclusive Alexis de Tocqueville Society, among most generous philanthropists who accepted a leadership role in making major financial contributions to our community through United Way.
Send VIITOR, by SMS at 8844 and donate 2 euros/month, so that an underprivileged child can go to school and continue his education.
Thank you for your support and for helping our community! | finance |
http://agbeamfarms.com/help-and-support/ | 2021-06-18T19:02:38 | s3://commoncrawl/crawl-data/CC-MAIN-2021-25/segments/1623487640324.35/warc/CC-MAIN-20210618165643-20210618195643-00637.warc.gz | 0.943639 | 589 | CC-MAIN-2021-25 | webtext-fineweb__CC-MAIN-2021-25__0__66706569 | en | Yes – we have payment terms for spot cash: 1 year and 1.5 years to pay. For non-payment, a grace period is allowed for updating the account.
Selling of fresh, unprocessed fruit is non VAT-able. Individual farming itself is not a taxable business, so there are no taxes required on the farmer’s side.
However, if you choose to assign farm ownership to a company, business taxes on the farm’s income shall be charged to your company
Yes. We allow group funding for our dragon fruit farms. You can form a group with your relatives, friends, or colleagues, fund a farm together, and divide the returns amongst yourselves.
In matters of inheritance, the farm shares will be transferrable to each of your and your partners’ respective designated beneficiaries.
Agbeam will be in contract to buy 100% of the produce. We follow a criteria for pricing, but everything will definitely be purchased.
Currently, our fruits are sold out 2-3 weeks before harvest time, so the likelihood of fruit not being distributed is very small.
Based on our calculations, the 1,000 hectares of plantations we plan to develop will only be able to fulfill the 2017 local demand for dragon fruit and a very small fraction of the export demand. Both local and export demands are increasing by more than 15% every year, which means that demand would be even higher once we finish developing all the farms.
Yes. The lands will be properly subdivided and assigned a specific lot and quadrant number. You will be able to easily see the specific location and area of your farm.
There are two kinds of insurances you can avail of: insurance for your crops and insurance for your payment scheme.
If you have chosen Package A (Agbeam land and management), we’ll provide crop insurance for your farm on its first year of operations. This will protect you from fortuitous scenarios that may destroy your plantation. On the second year and onwards, you can choose to continue the insurance on your account.
We also have mortgage redemption insurance for your payment scheme. In case anything happens to you within the payment period, our insurance partner will pay us (Agbeam) in full, and we will transfer your farm to your declared beneficiary.
The portal will serve as a management and monitoring tool for farm owners. It will show all customer and farm data, payments, income, withdrawals, reports, AV materials, receipts, and news and updates.
We follow International Standards (Good Agricultural Practices, Food Safety, HACCP) when it comes to farm operations and management.
This means that before we assign you to a lot, we have already done a strict audit on soil, water, etc. to ensure that the property assigned to you will bear good fruit. All these pre-planting activities are covered by your total fund amount. | finance |
https://dogberrypatch.com/invest-like-millionaire-use-mutual-funds-etfs/ | 2022-06-25T22:26:05 | s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103036176.7/warc/CC-MAIN-20220625220543-20220626010543-00035.warc.gz | 0.927169 | 190 | CC-MAIN-2022-27 | webtext-fineweb__CC-MAIN-2022-27__0__126746785 | en | Every year I give a talk to high school students. I ask them if they want to invest like millionaires. Without exception, they say they do. Then I point out that millionaires invest in hundreds or thousands of companies, instead of only in a few. The good news is that if you have a few thousand dollars, you can invest like a millionaire through mutual funds.
— Page: 16
As exciting as it may be to buy individual stocks, mutual funds and ETFs allow you to diversify. If you aren’t diversified then you are gambling, which can be fun but should not be considered investing.
My Social Media Links: Facebook; Google+; Twitter;
Article Series - 101 Investment Decisions
- 101 Investment Decisions Guaranteed to Change Your Financial Future by Paul Merriman
- Invest like a Millionaire – Use Mutual Funds and ETFs
- Investment Advisors – Commissioned & Fee Based | finance |
https://verityandme.co.uk/vm-klarna | 2024-03-01T01:29:42 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474893.90/warc/CC-MAIN-20240229234355-20240301024355-00386.warc.gz | 0.905215 | 563 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__84000496 | en | Spread your payments with Verity & Me's Shopping Experience!
We're excited to announce that we have partnered with Klarna to allow you to spread your payments to your shopping journey on verityandme.co.uk.
What is Klarna, you ask?
Klarna is a renowned payment option trusted by numerous retailers, providing you with a convenient "shop now, pay for your goods later" service at the checkout.
This means you don't have to make immediate payment, enabling you extra time to decide which items you'd like to keep from your order.
Here's how you can make the most of Klarna while shopping with us:
Add your desired item(s) to the cart and proceed to checkout.
By default the payment process on verityandme.co.uk will be Card. So, simply select Klarna as your preferred payment option during the checkout and click "Place Order"
You will be redirected to the Klarna Payment Gateway.
Once paid you can Manage all your orders and payments seamlessly within the Klarna app.
With Klarna, you have two fantastic payment options available:
Pay in 30 Days
Complete your purchase today and start flaunting your new clothing as soon as it arrives.
Alternatively, take some time to ponder over your choices. You can pay within 30 days after shipping with no interest, fees, or stress involved.
Pay in 3 Instalments
If your purchase amounts to a minimum of £90, you can divide the total cost into three equal payments.
Spread the cost of your purchase over time without any interest or fees.
Simply provide your preferred credit or debit card details, and automatic payments will be made every 30 days.
Your first instalment will be collected when your order is confirmed, followed by instalments 2 and 3 scheduled for 30 and 60 days later, respectively.
Why should you choose Klarna for your payment needs?
By opting for Klarna, you'll have all your purchases conveniently tracked in one place—the Klarna app.
You can effortlessly pay any outstanding balances and stay on top of your finances. Moreover, both payment options come with 0% interest, fees, or late-payment charges.
We understand the importance of your personal data security. To enable Klarna's payment options, we will securely pass certain aspects of your personal information, such as contact and order details, to Klarna. This is done solely for Klarna to assess your eligibility for their payment options and customize them to suit your needs. Rest assured, Klarna maintains stringent anti-fraud measures to protect customers and prevent unauthorized purchases.
Spread your payments today and enjoy your shopping experience with Klarna on Verityandme.co.uk | finance |
https://www.challengeelite.org/page/show/5912947-membership-fee | 2020-11-23T18:35:40 | s3://commoncrawl/crawl-data/CC-MAIN-2020-50/segments/1606141164142.1/warc/CC-MAIN-20201123182720-20201123212720-00137.warc.gz | 0.770695 | 470 | CC-MAIN-2020-50 | webtext-fineweb__CC-MAIN-2020-50__0__43335220 | en | Club fee includes uniforms package, tournament fees, coaches salary, admin, training, facility rental, and equipments. This club fee does not include USAV/AAU membership fee, travel and hotel expenses.
*Please note travel team fees include AAU Junior National Volleyball champions in Florida or USAV Junior National Championships if qualify, and post season extra practices to prepare for National.
At tryout, there will be a $500 non-refundable deposit if accepted to the club team. We accept cash or check, this deposit is going toward your club fee.
The payment options for the rest of the club fee are as follows:
Provide one-time cash payment in full, cash or check. $100 discount if paid in full.
Provide 6 post-dated remaining evenly divided checks due on the 15th of each month from September 2020 to February 2021.
There will be a $50 charge for any returned check.
|Team||Price||# Practices||# Local Tours||# of In-State Travel Tours||# Out of Texas Tour|
|U11/U12 Legend Local||$1600||2||6|
|U12 Magic State||$2300||2||9||1|
|U12 Royal State||$2600||3||9||1|
|U13 Legend Local||$2200||2||8|
|U13 Magic State||$2500||2||9||1|
|U13 Royal State||$2900||3||9||1|
|U14-U15 Oz Local||$2300||2||8|
|U14-U15 Legend State||$2500||2||9||1|
|U14 Royal State||$3000||3||8||2|
|U15 Magic State||$3000||3||8||2|
|U15 Royal Travel||$3500||3||8||2||1|
|U16-U18 Legend State||$2700||2||9||1|
|U16-U18 Magic State||$3100||3||8||2|
|U16-U18 Royal Travel||$3500||3||8||2||1| | finance |
https://www.northaccountants.com.au/business-services | 2022-05-22T23:59:23 | s3://commoncrawl/crawl-data/CC-MAIN-2022-21/segments/1652662550298.31/warc/CC-MAIN-20220522220714-20220523010714-00208.warc.gz | 0.933163 | 346 | CC-MAIN-2022-21 | webtext-fineweb__CC-MAIN-2022-21__0__285313063 | en | We can assist small businesses in all areas of taxation and across all industries, with special interests in:
- manufactured home and holiday parks
- medical practitioners (general & specialist)
- child care centres
- real estate agencies
- property development
- contractors and consultants
Accounting and Taxation
- Annual tax planning
- Financial statements and tax return preparation for all entity types including companies, trusts, partnerships, SMSF’s and sole traders.
- Company secretarial obligations
- BAS & IAS preparation with annual GST returns
- Other compliance including FBT, payroll tax and land tax, employee obligations including payroll, superannuation and workers compensation
- Specialist tax advice for ‘one off’ transactions including business and property sales.
Business Advice & Management Assistance
Whether you need help with the setup or your new business or business purchase, or if you would like to better understand your existing business and want the right tools to assist with making management decisions, we offer services such as:
- Setup of operating structures and advice
- Review of existing structure
- Benchmarking/KPI reporting
- Cash flow forecasting
- Management reporting
- Buying and selling businesses
Ask us how we can drastically reduce the time you spend on your books. Choosing the right tools for the job is essential and that’s why we are affiliated with a variety of software providers to ensure the correct fit for your business.
Alternatively, we would be happy to take care of all aspects of your bookkeeping for you. We have packages starting from as little as $150 per month including the software. | finance |
https://www.inlandendo.com/patient-information/insurance-information/ | 2023-06-08T15:59:15 | s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224655027.51/warc/CC-MAIN-20230608135911-20230608165911-00274.warc.gz | 0.935258 | 206 | CC-MAIN-2023-23 | webtext-fineweb__CC-MAIN-2023-23__0__121443778 | en | At Inland Endodontics, we make every effort to provide you with the finest care and the most convenient financial options. To accomplish this, we work hand-in-hand with you to maximize your insurance reimbursement for covered procedures.
Please provide us with your insurance information prior to your consultation so that we can provide you with an estimate and expedite reimbursement.
Patients With Dental Insurance
Your insurance benefit may cover anywhere from 0 to 100% of the fee, depending on the terms of your insurance. As a courtesy to our patients, our office estimates the amount that the insurance will likely cover for that procedure.The patient’s estimated portion is due at the time service is rendered. Our office will then submit a claim to your insurance for any services that have been completed. Once claims have been processed, you will be notified if there is a difference in the amount that is due.
Please remember you are fully responsible for all fees charged by this office regardless of your insurance coverage. | finance |
https://moutonabascule.com/en/general-conditions-of-rental/ | 2021-07-27T20:29:33 | s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046153491.18/warc/CC-MAIN-20210727202227-20210727232227-00061.warc.gz | 0.935954 | 2,907 | CC-MAIN-2021-31 | webtext-fineweb__CC-MAIN-2021-31__0__193278783 | en | Rates and terms of payment
To be valid, the reservation must be accompanied cumulatively by:
- A deposit, equal to 25% of the rental price. By express agreement between the parties, it is agreed that this sum is paid as a down payment, and not as a deposit.
- The initialled and signed rental contract.
The balance of the rental price must be paid, at the latest, one month before the date of the beginning of the stay.
If the balance is not paid, at the latest one month before the date of arrival of the tenant, we reserve the right to cancel the stay. In this case, the deposit will be returned to the tenant if the property is rented again on the same dates at the same price.
The price must be paid in full, in a single payment, on the day of the reservation if the reservation is made within a period equal to or less than one month before the date of the beginning of the stay.
All our prices are in Euros, all taxes included, and include all the services at your disposal, the rent and the rental charges.
The lessee undertakes to take possession of the premises at the dates and times fixed in the contract.
The keys will be handed over only after the payment of the deposit, the payment of the additional services reserved if necessary, and the visitor’s tax.
If the deposit is stipulated “cashed” on the present contract, it must be paid at the time of the balance of the rental one month before arrival.
The rental does not include:
- The visitor’s tax (rate per day and per person depending on the property)
- All additional services: airport transfers, ski equipment, ski passes and other options.Any bank charges to be paid by the client.
Terms and formation of the contract
We make an offer to rent, by any means and possibly by any form of advertising.
The rental contract is then only validly formed with our confirmation of the rental, we will intervene within one month of the payment of the deposit. If at the end of this period, we have not confirmed the rental, we will return the deposit immediately and the reservation will be considered null and void.
- All cancellations must be notified by registered mail.
- The date of presentation of the letter will determine the date of cancellation.
- In case of cancellation by the tenant, the conditions below will be applied:
- From the date of reservation to 61 days: the deposit is not returned to
- From 60 to 31 days: 75% of the stay will be charged to the tenant.
- From 30 days and the date of arrival or no show at the beginning of the stay: 100% of the stay will be charged to the tenant.
- From the date of reservation to 61 days: the deposit is not returned to
Exceptional situation due to COVID-19 :
- French resident: 100% refund if the resort of Val d’Isère is closed on the date of the beginning of the stay.
- Non French resident: 100% refund if the French borders are closed (or if the Val d’Isère resort is closed on the date of the stay.
- Guarantee 50 % within 30 days to 15 days before the start of the stay. If the borders of the country of origin (of the French non-resident reserving) are closed for the date of the stay. By published official decree.
- the reservist must notify it to the reserving party (RCAR within the above time limit).
- Guarantee 25 % within 15 days before the date of the stay, and until the provisional date of arrival then a possible refund of 25 % of the sums in the form of a credit note valid for the following season.
For any cancellation for which the reason would be motivated, and in the event of re-renting of the aforementioned goods by our care, the paid amount could be restored to the tenant, not being able to honour his contract. Any stay shortened or interrupted by the tenant will not give right to any refund.
If we were forced to cancel the stay in the accommodation provided, due to the actions of third parties or external circumstances such as the Covid-19, we will provide, if possible, accommodation of the same category, or a higher category, without additional charge. Otherwise, we undertake to reimburse immediately the full amount paid.
Insurance Cancellation insurance can be taken out for the stay. It will be subject to a supplement, the conditions of which will be sent to the taker on request if necessary.
All objects or personal effects belonging to the tenant are the tenant’s own responsibility.
Concerning the rented property, the lessee is responsible for any damage he has caused.
The lessee shall therefore be required to take out insurance with an insurance company against the risks of theft, fire, glass breakage and water damage.
And more generally, he must insure himself for the totality of his rental risks and the furniture rented, as well as for eventual recourse by the neighbours, and must be able to justify this at the simple request of the owner or his representative. Consequently, the latter decline all responsibility for the recourse that their insurance company could exercise
against the lessee in the event of a claim.
Goods and chattels should only suffer depreciation arising from the normal use for which they are intended.
The security deposit shall be paid to cover any damage or loss caused to the rented goods.
The security deposit paid by the tenant will be kept until the counter-statement of the premises made by the agency after the client’s departure. It can be cashed.
We ask for a deposit of 15 000€ for the Chalet Orso.
We ask for a deposit of 10 000€ for Chalet Orca.
The security deposit will be paid no later than one month before the start of the rental period.
- By bank transfer, according to the amount indicated on the particular conditions of the contract.
It will be returned within a maximum period of two weeks after the tenant’s departure, less the cost of repairing the premises if any damage is found.
If the security deposit is not sufficient to cover the costs due to the damage, the tenant undertakes to pay the balance on first request.
An increase of up to 10% (on the price excluding VAT) may be added to our concierge services (taxi transfers, cleaning…).
The re-invoicing of services having a reduced VAT rate will necessarily lead to a change of VAT at the common law rate* except for services subject to disbursement.
*As of 01 January 2014, the common law VAT rate is 20%.
Certain additional services subject to reduced VAT are provided to you as part of disbursements. We are at your disposal to purchase for you the product or service (ski passes, ESF ski lessons) at a reduced rate of VAT from the company concerned. This is a reimbursement of disbursements on behalf of third parties and we do not have to charge VAT on the sums reimbursed by the principal. We do not charge a margin and the service is purchased at the public price displayed at the service provider’s cash desk.
Each tenant must report directly to the Chalets upon arrival.
The rentals start from 5.00 pm.
● Any late arrival, i.e. after 7.30 pm, must be notified to us beforehand so that we can make the best possible arrangements.
● We will not be able to organize an arrival after 11:30 pm.
● The tenant(s) are obliged to park in the private car park of the Chalet and not on the public road or in the local area.
- On the day of departure, the accommodation must imperatively be vacated before 10:00 am, with the handing over of the keys.
- Any delayed departure will be charged 1000€/hour per chalet.
- The total settlement of the bill at the end of the stay must be paid, at the latest, the day before the tenant’s departure (i.e. Friday).
- Any key, remote control or beeper not returned will be invoiced at the purchase price.
Duration of the stay
The length of stay is specified in the special conditions of this contract. Under no circumstances will the tenant be allowed to stay in the premises after this period, unless we have given our prior agreement, subject to an additional charge, which will be fixed in proportion to the price of the stay.
The latter declares on his honour that he does not exercise and does not seek to exercise any profession in the rental and that the premises which are the subject of the present contract are rented to him only as a temporary residence, major conditions without which the present rental would not have been granted.
State of the premise
The inventory and the inventory of fixtures, of entry and exit, will be carried out unilaterally by our care before the arrival and after the departure of the tenant. The said inventory of fixtures not being carried out in a contradictory way, the tenant will benefit from a 48 hour deadline to formulate any complaint. After this period, the rented goods will be considered as free of damage when he enters the premises.
Use of the premises: exclusive use of seasonal furnished rentals.
- To occupy the rented building only for non-commercial purposes, which is privately owned. The tenant undertakes to use it only temporarily. This building will in no case be his or her main or secondary residence and the tenant will not carry out any professional, craft or commercial activity there.
- The lessee undertakes to take the rented premises in the state in which they will be at the time of entry into use as described in the descriptive statement of this contract.
- Occupy the chalet or apartment in such a way as to do nothing that could harm the neighbourhood. In particular, it must not create any nuisance, noise or any other disturbances.
- The lessee undertakes to use the furniture and objects furnishing the rented property for the use for which they are intended and in the places where they are located. He formally refrains from transporting them outside the rented premises.
- Occupy the premises personally and may not under any circumstances sublet them, even free of charge, nor transfer his rights under this agreement without the consent of the agency. He will have to live in the rented premises and will not be allowed, under any pretext, to store furniture, except for linen and small items.
- Keep the premises in good condition during the stay.
- Do not bring in any animals, except with our permission and for an additional charge.
- Notify us of any minor maintenance work that may have been carried out.
- Let us carry out any work that needs to be carried out in the obvious urgency, whatever it may be. If the work to be carried out is due to a deterioration attributable to the tenant, it will be re-invoiced to the tenant.
- The lessee is responsible for the destruction or deterioration of any object placed at his disposal, as an accessory to the Chalet, and for any damage that may be caused to the building and installations of any kind, due to abnormal use, in particular electrical and heating appliances, or the obstruction of the WC, washbasin, bathtub
or sink by objects of a nature to block the drains. In the event of suspicion of damage, we will then have access to the rented Chalet to carry out all the necessary checks.
- In the event of renting in a building, the tenants will comply, as occupants of the premises, with the internal regulations of the building, of which they acknowledge having taken cognizance
Obligations of Mouton à Bascule
Mouton à Bascule undertakes to supply the building and its accessories, as described in the description received at the time of reservation and to respect the obligations resulting from this contract.
Any complaint relating to a service must be sent to us within 3 days of entering the premises.
The renunciation of the tenant to one or more services included in the package cannot be the subject of any reimbursement unless a prior agreement is made and in which case we will make it appear in the said contract.
This contract is established for a maximum capacity of:
- 14 people for the Chalet Orso (that is 13 adults, 1 child (under 10 years old) and a cot).
- 14 people for Chalet Orca (i.e. 12 adults, 2 children (under 14 years old) and the possibility of adding a cot).
Aimed at the particular conditions of the rental contract. The number of occupants must in no case exceed the maximum capacity.
In the event of unauthorised overflow, we may refuse to allow excess persons to occupy the premises.
Our two Orca & Orso Chalets are both equipped with swimming pools, each with a safety system that complies with current standards.
A user and/or explanatory manual is given to the tenant who acknowledges it.
In the event of non-payment on the due dates or failure to comply with any clause of this undertaking, and eight days after formal notice has been given but has remained unsuccessful, we may demand the immediate termination of this agreement and the lessee must leave the rented premises by simple order of the judge in chambers.
Automatic data collection and freedoms
The information collected is subject to automated or computerized processing for the implementation of this contract.
In accordance with the law of January 6, 1978, the taker has a right of access and rectification to be formulated with the owner, responsible for the treatment. The modalities of implementation will be fixed by mutual agreement.
Value of the translation
This mandate is drawn up in French and translated into English for the benefit of English-speaking clients. Despite all precautions, in the event of a discrepancy resulting from the translation, the parties agree that the French language version shall prevail. | finance |
http://www.promotionalcurrency.com/promotional-risk-coverage.php | 2013-12-11T06:28:29 | s3://commoncrawl/crawl-data/CC-MAIN-2013-48/segments/1386164032243/warc/CC-MAIN-20131204133352-00036-ip-10-33-133-15.ec2.internal.warc.gz | 0.954358 | 550 | CC-MAIN-2013-48 | webtext-fineweb__CC-MAIN-2013-48__0__187137810 | en | Promotional Risk CoverageThe Promotional Strategy That Allows You to Give Away Millions
The strategy behind marketing promotions, which include promotional risk coverage, is simple. It enables companies to differentiate brands in a very competitive market. Promotional risk coverage could provide your company with the means to give away millions in cash or large prizes. Your prize offerings are based on the odds of a winner claiming the prize. As long as your promotional strategy does not include a guaranteed prize offering as the only prize, your company can include promotional risk coverage with the promotion.
Promotional risk coverage can be found in promotions like you see on television, hear on the radio, read in newspapers or magazines, and see online or in internet promotions. They offer the consumer a chance to win,
and when there is a winner, your company is protected against having to pay the winner. Much like you insure your car from an accident or your home from a natural disaster, you can cover your promotion against a risk associated with the liabilities of giving away large valued prize amounts. The cost of promotional risk is minimal, literally a fraction of the prize value, and is based on the promotional odds, the prize value, and the number of chances given to win the promotion - allowing you to deliver a huge incentive at a fixed cost that will never blow your budget.
Promotional risk covered promotions open up possibilities to offer larger prizes than most companies can afford, or would want to take promotional risk on. These large prizes are proven to increase registrations of online users, traffic in stores, and sales at any given time. Strategies including promotional risk coverage also build large brands through consumer loyalty. Everyone appreciates winning something, people enjoy watching others win, and everyone remembers who was offering the big prize.
Protect your company from promotional risk.
Promotional Currency's proprietary promotional risk coverage service is a powerful tool that enables you to super-size your promotional programs.
Along with incorporating promotional risk coverage into all of their digital incentive product offerings, they help businesses manage their risk on redemption-based promotions. By analyzing the odds of redemption and then placing the risk with an A+ insurance company, Promotional Currency can provide your brand with a fixed-cost solution that amounts to a fraction of the actual promotional value. And should over-redemption occur, Promotional Currency will cover the cost - whatever the value of the prize, rebate, coupon or premium.
- Offer High-Value Incentive for Fraction of Retail Cost
- Receive Fixed-Cost Solution that Ensures Budget Certainty
- Protect Your Company from Over-Redemption Expenses
- Eliminate Promotional Liability from Your Books
Promotional Risk Coverage • Over Redemption Coverage • Promotional Risk Mitigation | finance |
https://technicallyeclectic.com/return-policy | 2021-10-21T15:14:33 | s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585424.97/warc/CC-MAIN-20211021133500-20211021163500-00079.warc.gz | 0.906677 | 120 | CC-MAIN-2021-43 | webtext-fineweb__CC-MAIN-2021-43__0__161591744 | en | CANCELLATIONS, REFUNDS & RETURNS
If you wish to cancel your order, return any items, or receive a refund, contact [email protected]. You will receive more information where and how to return physical items. Digital item sales are final and not returnable or refundable.
Upon determining that you are entitled to a cancellation/refund pursuant to this policy, the Company will promptly issue an instruction to its payment processor to issue the refund. The Company does not control its payment processor and will not be able to expedite any refunds. | finance |
https://reclaimpridenyc.org/donate/ | 2019-08-21T13:31:10 | s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027316021.66/warc/CC-MAIN-20190821131745-20190821153745-00048.warc.gz | 0.888036 | 281 | CC-MAIN-2019-35 | webtext-fineweb__CC-MAIN-2019-35__0__57894747 | en | Donate to Reclaim Pride Coalition
Reclaim Pride Coalition is an all volunteer organization, and any donation goes directly to helping us achieve our goals. Our fiscal sponsor is Housing Works, a New York City based non-profit fighting the twin crises of AIDS and homelessness. All donations — whether made online or by check — are fully tax-deductible.
To donate with a credit card, please use our page on the Housing Works website.
To donate with a check, please make checks payable to Housing Works, note Reclaim Pride Coalition on the memo line, and send to
Attn: Eric Douglas
57 Willoughby Street, 2nd Fl.
Brooklyn, NY 11201
We accept cash donations at our meetings, every Wednesday at 7pm. Information about our next meeting is here.
If you would like to support us by holding a fundraiser, please email [email protected].
If you can make an in-kind donation, or might be able to support us in other ways, please email [email protected]. Currently we are looking for the following:
catering for volunteers
If you have any questions about making your donation, or any suggestions for expanding our fundraising efforts, please send an email to [email protected]. All correspondence will be confidential. | finance |
https://www.bondsolicitors.com/monica-bond | 2023-10-02T08:06:54 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510983.45/warc/CC-MAIN-20231002064957-20231002094957-00206.warc.gz | 0.96271 | 698 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__168074299 | en | Monica Bond is Principal of Bond Solicitors.
Monica has a unique combination of skills and experience. She is both an experienced solicitor with more than 13 years in practice and an experienced accountant with over 20 years in professional practice. In all, she has been in commerce or professional practice for over 30 years.
Monica's particular specialisms have been in Anti-Money Laundering, fraud investigations and recoveries and commercial litigation. In addition to being Principal of Bond Solicitors she is also Managing Director of Bond Associates Limited, a firm of Investigative Accountants.
The following are just a few highlights from a long and varied professional career:-
♦ Since 1988, Monica has been involved in some of the major fraud investigations that have taken place in the UK. In the 1990s she was involved in the investigations into Polly Peck, BCCI, Banco Ambrosiano and John Palmer (Goldfinger). Within her own businesses she has been involved in banking fraud investigations at GE Capital in Prague, the recovery of £5 million defrauded from an individual in a Prime Bank Instrument Fraud and a £13 million fraud on bond holders.
♦ In 1994, Monica, whilst she was Forensic Services Partner at Grant Thornton, was the author of the Accountants Digest on Money Laundering published by the Institute of Chartered Accountants. Since that time she has become a leading expert on anti-money laundering policy and procedures. She has lectured throughout the world, particularly in South America where she lectured on behalf of the US Treasury and more recently in the Middle East and Asia.
♦ In 2004, Monica conducted a risk review of procedures at the London Branch of a Spanish Bank, which resulted in putting in place their whole anti-money laundering system and developing risk models for both fraud and money laundering risks.
♦ Monica has acted as an expert witness/expert advisor in a wide variety of matters including,:-
• Court Expert Witness on the largest criminal asset confiscation case prosecuted by the DTI (2004)
• Expert advisor in Divorce case involving £20 million of disputed assets (2005-2007)
• Expert witness in an asset valuation case of UK on-shore gas fields valued at over £200m (2007)
• Expert advisor in litigation against former directors of a regulated insurance company where fraud is alleged.(2008-2009)
• Expert advisor in an intellectual property and investment fraud involving a formation agent. Legal areas covered fraud and professional negligence (2005-2008)
• Expert advisor in a procurement fraud where breach of contract was also alleged. The case culminated in criminal conviction followed by an £8.1 million recovery (2006-2009). The case is regarded as a leading case and can be viewed on this link.
♦ In the area of Commercial Litigation, Monica was responsible in 2007 for obtaining £225,000 in damages for pre-contract misrepresentations in a franchise contract. This is one illustration of many which could be given where she has achieved successful results for clients.
Professional and Academic Qualifications
♦ Solicitor of the Supreme Court (2001)
♦ Chartered Accountant in Public Practice (1992)
♦ Fellow of the Institute of Chartered Secretaries and Administrators (1979)
♦ Certified Fraud Examiner (1999)
♦ Member of the Academy of Experts (1997)
♦ Law Graduate LLB London (1984)
♦ English Graduate BA Hons (1971) | finance |
https://community.360insights.com/t5/Yokohama-Support/My-model-number-is-on-the-invoice-why-is-it-on-hold/td-p/1444 | 2020-01-22T20:47:39 | s3://commoncrawl/crawl-data/CC-MAIN-2020-05/segments/1579250607407.48/warc/CC-MAIN-20200122191620-20200122220620-00386.warc.gz | 0.942236 | 139 | CC-MAIN-2020-05 | webtext-fineweb__CC-MAIN-2020-05__0__63260986 | en | My model number is on the invoice, why is it on hold?
This means that your rebate application is temporarily on hold as the model number is not on the purchase invoice. If the model number is on the purchase invoice that has been submitted, please confirm that the correct model number was submitted. To do this please visit www.yokohamatirerebates.com and use the "Check Existing Claim" option.
If you find that the model number on the purchase invoice does not match the model number on the rebate application please contact our Yokohama Consumer Rebate Team at [email protected] for further assistance. | finance |
http://sfbacct.com/fees-and-insurance/ | 2020-10-28T03:10:06 | s3://commoncrawl/crawl-data/CC-MAIN-2020-45/segments/1603107896048.53/warc/CC-MAIN-20201028014458-20201028044458-00448.warc.gz | 0.917266 | 302 | CC-MAIN-2020-45 | webtext-fineweb__CC-MAIN-2020-45__0__113994799 | en | Fees and Insurance
at the San Francisco Bay Area Center for Cognitive Therapy
Our fees at the SFBACCT range from $200 to $250. Please note that we do not take payments directly from insurance companies. However, our services may be eligible for full or partial reimbursement as part of your out-of-network benefits. To facilitate out-of-network claims, we will provide you with a monthly Superbill that includes all the information necessary to submit for reimbursement to your insurance company.
To learn more about your out-of-network coverage for psychotherapy, contact your insurance company and ask the following questions:
- How much coverage is available for out-of-network providers? For example, does the insurance company reimburse the full fee or a portion of the full fee?
- What is the deductible (the amount you must pay first before you are eligible for reimbursement of fees)?
- Does the insurance company limit the total number of visits or sessions per calendar year? If yes, what is the total number of sessions per calendar year?
- Does the insurance company limit the total amount reimbursed per session? If so, ask how much they reimburse for the following CPT Codes, otherwise known as a procedure codes:
- 90791 (first evaluation or consultation appointment)
- 90834 (typical 45-minute session)
- 90837 (an extended session of 60-minutes; note that many companies will not reimburse this code). | finance |
https://www.cynthiafowler.net/blog/category/new-construction-in-dfw | 2023-02-06T16:03:20 | s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764500356.92/warc/CC-MAIN-20230206145603-20230206175603-00576.warc.gz | 0.963541 | 2,763 | CC-MAIN-2023-06 | webtext-fineweb__CC-MAIN-2023-06__0__278867178 | en | Rising mortgage rates are starting to take their toll on the nation's homebuilders, who are more concerned about affordability heading into the all-important spring housing market as mortgage rates surge.
Builders' sales expectations for the next six months declined a steep 10 points to 70, according to the National Association of Home Builders/Wells Fargo Housing Market Index. The index doesn't often see such large monthly moves. Builders' view of current sales conditions fell 3 points to 86.
Overall, builder sentiment in the market for single-family homes dropped 2 points to 79 in March. February's read was also revised lower. Last March it stood at 82. This is the fourth straight monthly decline and the first time the index has slipped below 80 since last September, when the delta variant of Covid-19 was spreading. Anything above 50 is considered positive sentiment. Overall sentiment is still good, but there are concerns for later this year.
Dallas-Fort Worth new home sales and median prices are running at record levels, but a disrupted material supply chain and limited construction labor pool are causing it to take longer to get houses built and closed. North Texas homebuilders initiated housing starts on 14,216 units in the most recent quarter, eclipsing the third-quarter 2020 pace by 1,277 units and up 9.9% year over year, according to statistics released today by Dallas-based Residential Strategies Inc. The annual start rate, which includes the fourth quarter of 2020 through third-quarter 2021, has now climbed to 58,625 units — up 35% year over year, according to the housing market analyst.
"Even with higher prices there continues to be solid demand for new houses," said Ted Wilson, principal with Residential Strategies. "The biggest challenge for builders today is that, with limited construction labor and a disrupted material supply chain, it is taking much longer to get houses built and closed." Despite the delays, builders set a record for closings in the most recent quarter at 11,985 units, up 3.5% year-over-year. The annual closing rate stands at 45,574 units, up 13.7% year over year.
The cost and shortage of construction labor has been problematic for builders, said Cassie Gibson, Residential Strategies' senior vice president. Lumber future prices peaked in May 2021 and have subsided since, but supply chain issues persist for many other components used in housing construction, causing higher prices to persist for builders as they determine their true input costs, Gibson said.
New home demand in North Texas has soared over the last year and a half because of a shortage of existing homes and surplus of people moving to the area.
Some potential buyers are understandably skittish about making a move. A North Texas builder is hoping to assuage consumers' fears by offering a mortgage payment protection plan. Megatel Homes is agreeing to pay up to six months of mortgage payments if a new homeowner loses his or her job after the purchase. "People coming into our model homes were evading purchase now because they could lose their jobs," Megatel co-founder Zach Ipour said. "That's a concern of lot of people have that currently have a job – what if they get laid off three months down the road?" To make buyers more comfortable, Megatel is offering to cover the mortgage payments if the customer's job goes away. The program is available for houses in the company's completed inventory. He said the program, which has been quietly rolled out, has already boosted sales.
Megatel is also offering paying six months of new mortgages for health care workers and first responders.
Over 12,000 people already work in Cypress Waters – will double over the next two years
The booming Cypress Waters development northwest of Dallas adjoining Coppell has landed four more major office tenants. The 1,000 acre development at LBJ Freeway and Belt Line Road is already home to more than 12,000 office workers. "We are very excited to have four new tenants join our Cypress Waters community during this time," said Lucy Burns, Partner at developer Billingsley Company. "We have numerous other leases soon to be announced as well. We are thankful to see this type of positive momentum in times like these. Our property teams have been working tirelessly to prepare our buildings for re-entry." The newest tenants are Goosehead Insurance, Artisan Design Group, Northstar Builders Group and Robert Half. Cypress Waters is already home to companies including 7-Eleven, CorelOgic, Nokia, Brinker International, Nationstar Mortgage, Toyota Industries Finance, BT America and Constellation Brands.
The Cambridge Crossing community just west of the Dallas North Tollway will include 1,600 homes
Developers have opened the first phase of a new residential community in Dallas' far northern suburbs. The Cambridge Cos. is building the $1 billion, 639 acre Cambridge Crossing community just west of the Dallas North Tollway in Celina. The project will include about 1,600 homes plus mixed-use, office and retail. The first phase that opened up includes 330 home sites priced starting in the low 300,000s. Builders in the project include Coventry Homes, Highland Homes, Perry Homes and UnionMain Homes. Model homes in the community are already under construction. Cambridge Crossing will have a 6,700 square foot clubhouse for residents that will be built starting this summer. The community has five lakes and will have 89 acres of open space.
2019 was the best year for North Texas home starts since the Great Recession. North Texas homebuilders hit the ground running with new construction in the final months of 2019, starting almost 22% more homes than a year before. Builders began work on almost 8,900 houses in October, November and December – the strongest fourth-quarter construction total in more than a decade, according to data from Dallas-based housing analyst Residential Strategies Inc. "Lower mortgage rates energized the North Texas housing market in the second half of 2019," Residential Strategies principal Ted Wilson said in a new report. "Our builder clients reported unseasonably strong sales in the fourth quarter, many sharing that October and November were some of the strongest sales months of the year." The year-end construction blitz was enough to push D-FW home starts for the year to 35,884 units — up about 2% compared with 2018 to the highest level since the Great Recession. "Usually you get a pop in sales in the spring," Wilson said. "It was pretty dreary back then, and it wasn't until July when the rates declined [that] things started to improve. "It was a great third quarter and an even greater fourth quarter, and builders are going into the New Year with a lot of momentum."
The U.S. is short more than 2 million homes as building activity still lags.
Nationwide home mortgage rates are near record lows. Employment rates are near record highs. And demand for housing is strong in most U.S. metro areas. You'd think homebuilding would be booming. But you'd be wrong. Single-family home construction across the country and in North Texas is nowhere close to reaching the levels we saw before the Great Recession. And homebuilding is likely to lag demand through the next three years, according to a new report by Zillow.
The real estate marketing firm and Pulsenomics surveyed economists, investment strategists and real estate professionals who said that home construction will remain below historic averages through at least 2022. Zillow estimates that nationwide homebuilding has lagged by more than 2 million houses during the last decade. In the Dallas-Fort Worth area, we're short more than 40,000 homes from where we would have been if builders could have kept up with demand.
"Without new homes to meet population growth and replace an aging housing stock, homebuying is expected to move further out of reach," Zillow director of economic research Skylar Olsen said in the report. Zillow's findings are in line with what the National Association of Home Builders has been warning for the last few years — that builders can't produce enough houses.
In North Texas, the country's busiest homebuilding market, production for this cycle may have already peaked. Home starts in the area are down about 2,000 units this year from last year's peak, according to data from Residential Strategies. While homebuilding activity may catch up a bit, don't expect a D-FW building surge, Residential Strategies principal Ted Wilson said. "Even with the ultra-low mortgage rates restimulating the housing market, we are forecasting a similar flat market through 2020," Wilson said. "While the underlying demographics for D-FW remain very favorable, housing affordability continues to be the primary factor that controls for-sale housing growth." In other words, not enough North Texas buyers can afford the new homes builders are able to construct.
- Dallas Morning News, September 13, 2019
But in Texas and the South, Up 4.9%
Sales of new U.S. homes slumped 7.8% in May, as sales plunged in the pricier Northeastern and Western markets. The Commerce Department said Tuesday that new homes sold at a seasonally adjusted annual rate of 626,000 in May, down from 679,000 in April. During the first five months of the year, purchases of new homes have fallen 3.7% compared to the same period in 2018. Lower mortgage rates and a healthy job market have yet to unleash more home-buying. Sales of new homes plummeted 35.9% in the West and 17.6% in the Northeast. New-home sales rose 4.9% in the South and 6.3% in the Midwest, which are generally more affordable markets.
East-West Line thru Plano, Richardson, North Dallas, Addison, Carrollton, Coppell, Cypress Waters, DFW Airport
Completion Date – December 22, 2022
Trains every 20 minutes
The final approved DART Cotton Belt Line from Plano to DFW Airport
The Dallas Area Rapid Transit board on Tuesday approved $872 million to build its first east-west commuter rail line — the Cotton Belt — even though it doesn't have the actual cash quite yet. DART leaders met with the Build America Bureau in Washington, D.C., last week to confirm that the federal loan that will finance a 26-mile route connecting Plano, Richardson, Addison, North Dallas and DFW International Airport is expected to close Dec. 20. Within the next few weeks, DART expects to be issued a notice to move forward on the project with its design-build partner, Archer Western Herzog 4.0, which was unanimously awarded an $815 million contract Tuesday night, contingent on the federal loan. The contract will run through Dec. 28, 2022, the anticipated completion date.
It also kept the door open for the board to decide next month whether to spend an additional $90 million to $120 million to add a second track along the line, something the board listed as a preference. "We've discussed the double-track subject for a couple of years," board member Paul Wageman said. "We're going to have significant savings over what we thought the finance costs were on this." Cotton Belt was budgeted as a $1.1 billion project.
About half of the project, including the nine rail stations, is double-tracked as currently bid. Though plans are for Cotton Belt to debut as an every-30-minute service, the contract also calls for three more miles to be double-tracked. That would enable enough two-way passing opportunities to allow runs every 20 minutes. If it doesn't fully double-track the line, the board also has the option to spend $27 million to add a second track to a three-mile area of Far North Dallas, where grade levels and four bridge crossings pose a challenge.
The contract already includes $32 million in "betterments" for neighborhoods lining the route, providing for sound walls, rubber chips to minimize track vibration and other amenities. The first six to eight months, according to staff presentations, will focus on design of the project. The first signs of progress on the ground will be utility relocation and foundation work for bridges.
The Cotton Belt will also connect to DART's existing light rail system at stops in Carrollton, Plano and Richardson. But it will be a commuter rail line, similar to the Trinity River Express, which DART co-owns with Fort Worth's Trinity Metro and connects downtown Dallas and Fort Worth.
The massive $1.1 Billion DART Cotton Belt Line is scheduled to start construction in less than one year with a completion and operational date of December 2022. The line will begin on Shiloh Road in Plano and travel through Plano, Richardson, Addison, Carrollton, Dallas, Coppell and Grapevine, with its final destination at DFW International Airport. Along the way it will reach hundreds of thousands of workers in various office parks and connect with the Red Line, the Green Line and reach DFW Airport and the Orange Line. Some of the major features and changes.
The next and nearing the final DART hearing for resident input on the Cotton Belt is March 27th, 6:30 pm, at DART headquarters downtown. After that there will be a 45-day period for public input after the federal government releases its final environmental study. From there, the plans are set and DART will move to construction. | finance |
http://www.onhairstylists.ca/tax-time/ | 2022-09-25T21:30:18 | s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030334596.27/warc/CC-MAIN-20220925193816-20220925223816-00343.warc.gz | 0.95266 | 1,201 | CC-MAIN-2022-40 | webtext-fineweb__CC-MAIN-2022-40__0__173252573 | en | It’s tax time again and people working in our industry may have special deductions and reporting requirements. The good folks at the Canadian Revenue Agency have prepared this helpful document to assist hairstylists and Salon owners as they prepare their 2014 tax returns.
(Please remember we’re sharing this info but we at the OHSA are not tax experts. Please refer any questions to your accountant or the Canadian Revenue Agency.)
Getting your taxes done is as easy as wash, rinse, repeat!
The faux hawk, the pixie cut, and the blunt bob—as a hairstylist, you need to know how to do it all, while maintaining high standards and staying on-trend with the latest techniques and the newest products. You’ve built up your reputation and developed an impressive clientele (who you inadvertently play occasional therapist to—no extra charge for listening like an understanding friend). You’re on your feet all day and your work schedule is demanding; but you love it because making people look great is your calling! You have style savvy, but do you have the know-how to claim your expenses and tax credits?
Whether you are paid a salary or paid by commission, you are considered an employee if you are on the salon’s payroll. As an employee, you may be able to deduct the cost of supplies you bought (like your go-to finishing spray), as long as you need it for work. To find out more about deducting employment expenses, go to www.cra.gc.ca/employmentexpenses.
You may also be able to deduct the cost of eligible tools (including that new straightening iron all your clients are raving about!) under the tradesperson’s tools deduction, a non-refundable tax credit of up to $500. You will need your employer to certify the tools were bought by you, for you, to be used directly in your work, to claim the deduction. For more information on deducting the cost of eligible tools, go to www.cra.gc.ca/trades.
As a hairstylist, part of your income comes from tips and gratuities. Clarify with your employer whether any or all of the tips you earn will be included on your T4 slip. Even if your T4 slip does not show your income from tips, it is your responsibility to keep track of these earnings and report them on line 104 of your income tax and benefit return.
Self-employment in the industry can mean different things: renting a chair, providing mobile on-site services, working from home, or owning your own salon. Generally, you can deduct any reasonable business expense you incurred or will have to pay to earn business income, such as chair rental fees or supplies and equipment like hair colour, blow dryers, and scissors. If the salon is in your home, a proportionate amount of your household expenses, such as heating and insurance, can also be deducted. For more information, go to www.cra.gc.ca/selfemployed, and select “Business expenses.”
In addition, if your business hires an eligible Red Seal apprentice hairstylist, you may qualify to claim the apprenticeship job creation tax credit. This non-refundable investment tax credit is equal to the lesser of $2,000 or 10% of the eligible apprentice salaries or wages. Don’t need to apply the whole credit amount this year? Carry it back three years or carry it forward for up to 20 years! For more information on the apprenticeship job creation tax credit and other investment tax credits, visit www.cra.gc.ca/smallbusiness and select “Investment tax credit.” For information on the 57 designated Red Seal trades, including hairstylists, visit www.red-seal.ca.
Part of owning a salon also means ensuring the proper employee contributions, premiums, and tax amounts are properly deducted and remitted to the Canada Revenue Agency (CRA), along with your own employer contributions and premiums. You will find more information on this topic at www.cra.gc.ca/payroll, by searching the payroll topics alphabetically for “Barbers and hairdressers.” Also take a look at the proposed Small Business Job Credit which helps small businesses by lowering their Employment Insurance (EI) premiums. More information can be found at www.cra.gc.ca.
The deadline to file your personal income tax and benefit return is April 30, 2015. If you, your spouse, or common-law partner is self-employed, the deadline to file is June 15, 2015. BUT, if you’re self-employed and have a balance owing for 2014, you still have to pay it on or before April 30, 2015.
Filing electronically with NETFILE is easy, secure, and lets the CRA process your return much quicker. If you’re entitled to a refund, you can enjoy your money in as little as eight business days, by combining online filing with direct deposit—”shear” genius! For a list of software and web service options, including those that are free of charge, go to www.netfile.gc.ca/software.
While you are visiting the CRA’s website, be sure to sign up for My Account. You’ll be able to track the progress of your refund, make a payment, change your address, check your benefit and credit payments and your registered retirement savings plan limit, set up direct deposit, and so much more!
To take advantage of this and other CRA electronic services go to www.cra.gc.ca/electronicservices to learn more.
Don’t miss the latest CRA news or tax tips on Twitter @CanRevAgency | finance |
https://stockstobuynow.net/top-technology-stocks-top-tech-stocks-to-watch-for-2019/ | 2024-02-25T23:02:36 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474643.29/warc/CC-MAIN-20240225203035-20240225233035-00265.warc.gz | 0.947089 | 2,946 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__52649554 | en | Top Technology Stocks – Top Tech Stocks to Watch for April 2019
The technology sector features stocks related to developing and distributing technologically based goods and services. This sector contains businesses that manufacture electronics, create software, and provide computers or products and services relating to information technology. The Top Tech Stocks to watch often drive overall market activity.
The Information Technology Sector is central to the nation’s security, economy, and public health and safety. Businesses, governments, academia, and private citizens are increasingly dependent upon Information Technology Sector functions. These functions include hardware, software, and information technology systems and services. Below are Top Tech Stocks to watch in April and May 2019…
What are FANG Stocks?
FANG is the acronym for four technology stocks – Facebook, Amazon, Netflix and Google (now Alphabet, Inc.). These four stocks are high performing and very popular since CNBC’s Mad Money host Jim Cramer first used the term in February 2013:
“Put money to work in the companies that represent the future. Put money to work in companies that are totally dominant in their markets, and put money to work in stocks that have serious momentum.” Jim Cramer, CNBC Mad Money
The group of FANG stocks are top tech stocks to watch and follow. FANG stocks cannot be ignored when considering an investment in the technology sector. Each of the FANG stocks are large cap stocks that focus on technology and internet services. They are also considered growth stocks due to the continued emergence of technological devices like cloud storage devices, big data, e-commerce tools and social media. Most prominent hedge fund managers have FANGs in their portfolios. The stocks were included as growth and momentum stocks by reputable funds like Berkshire, Soros, Renaissance and Citadel in the first quarter of 2017.
FANG stocks reached record valuations during the Bull Run in 2018. Amazon became a trillion dollar company and Alphabet’s shares reached a record high of $1,238.50 during the third week of August. In the third week of June. Netflix saw a high of $411.09 in its stock price and Facebook reached a record of $209.94 in its stock price a month later.
But valuations for all four companies were among those hardest hit during a November market crash. Facebook and Google are caught up in regulatory and privacy problems while Amazon reported an earnings miss in the first quarter of 2019. Netflix increased the number of subscribers on its platform but that increase came at a cost to its overall earnings.
What are FAANG Stocks?
When Jim Cramer coined the term FANG in February of 2013, he did not include Apple Inc. Apple has since been added to the group and the acronym has been modified from FANG to FAANG. Here are the five tech stocks to watch that make up the FAANG Group:
#1 Facebook (FB) – Top Tech Stocks to Watch:
Facebook, Inc. (FB) is an online social media and social networking service company founded in 2004. The company’s primary business is the social network of the same name which currently lists more than two billion active users around the world.
The company incorporated on July 29, 2004, is focused on building products that enable people to connect and share through mobile devices, personal computers and other surfaces. Facebook enables people to discover and learn about what is going on in the world around them. People can share their opinions, ideas, photos and videos, and other activities with audiences ranging from their friends to the public. Users can then stay connected by accessing more of the company’s products. The Company’s products include Facebook, Instagram, Messenger, WhatsApp and Oculus. Facebook also engages in selling advertising placements to marketers. Its advertisements let marketers reach people based on a range of factors, including age, gender, location, interests and behaviors. Marketers purchase advertisements that can appear in multiple places, including on Facebook, Instagram, and third-party applications and Websites.
#2 Amazon Inc (AMZN) – Top Tech Stocks to Watch:
Amazon is a diversified technology company operating in e-commerce, consumer electronics, and cloud computing industries. The company was founded in 1994 as an online bookstore. Now, Amazon is the largest e-commerce retailer in terms of market capitalization. The company owns several subsidiaries, including Twitch (live streaming platform) and Whole Foods Market (chain of supermarkets).
Amazon.com, Inc. incorporated on May 28, 1996. The company offers a range of products and services through its Websites. Amazon operates through three segments: North America, International and Amazon Web Services (AWS). The Company’s products include merchandise and content that it purchases for resale from vendors and those offered by third-party sellers. It also manufactures and sells electronic devices – Kindle devices are a notable example. Amazon Inc, through its subsidiary, Whole Foods Market, Inc., offers healthy and organic food and staples across its stores. The Company also offers a range of products that target responsible agriculture like whole trade bananas, organic large brown eggs, responsibly-farmed salmon and tilapia, organic fruits and vegetables,and animal-welfare-rated beef and meat products.
#3 Apple Inc. (AAPL) – Top Tech Stocks to Watch:
Apple Inc is a technology company involved in the design and manufacturing of consumer electronics and computer software, as well as a provider of online services. Founded in 1976, Apple is the oldest company in the FAANG stocks group. Apple was initially successful in producing computers, laptops, and computer software. But, real breakthrough for the company occurred after 2007 with the introduction of its new mobile devices such as the iPhone and iPad. Today, Apple is the largest IT company in the world. On August 2, 2018, it became the first U.S. company with a market capitalization of over $1 trillion. Presently, Apple is the most profitable company in the FAANG stocks group.
Apple Inc. incorporated on January 3, 1977. The company designs, manufactures and markets mobile communication and media devices, personal computers and portable digital music players. The Company sells a range of related software, services, accessories, networking solutions and third-party digital content and applications. Apple’s’s segments include the Americas, Europe, Greater China, Japan and Rest of Asia Pacific. The Company sells and delivers digital content and applications through the iTunes Store, App Store, Mac App Store, television APP Store, iBooks Store and Apple Music (collectively Internet Services). Apple Inc sells its products through its retail stores, online stores and direct sales force through third-party cellular network carriers, wholesalers, retailers and value-added resellers. The Company sells a range of third-party Apple compatible products, including application software and accessories through its retail and online stores. Apple Inc sells to consumers, small and mid-sized businesses and education, enterprise and government customers.
#4 Netflix Inc. (NFLX) – Top Tech Stocks to Watch:
Netflix is a media provider that delivers subscription-based online streaming of films and TV shows. Recently, the company entered the content production industry, producing its own movies and TV shows. Founded in 1997, Netflix is the smallest company in the FAANG stocks group in terms of market capitalization (around $150 billion), revenues ($11 billion), and net income (above $550 million)
Netflix, Inc., incorporated on August 29, 1997, is a provider an Internet television network. The Company operates through three segments: Domestic streaming, International streaming and Domestic DVD. The Domestic streaming segment includes services that streams content to its members in the United States. The International streaming segment includes services that streams content to its members outside the United States. The Domestic DVD segment includes services, such as digital optical disc (DVD)-by-mail.
The Company’s members can watch original series, documentaries, feature films, as well as television shows and movies directly on their Internet-connected screen, televisions, computers and mobile devices. Netflix offers its streaming services both domestically and internationally. In the United States, its members can receive DVDs delivered to their homes. The Company has members streaming in over 190 countries.
#5 Google (Alphabet) – Top Tech Stocks to Watch:
Alphabet Inc. is the parent company of Google. The company owns two classes of shares traded publicly. Class A shares (Ticker: GOOGL) provide the owner with voting rights, while class C shares (Ticker: GOOG) do not provide any voting rights. Google LLC is the largest subsidiary of Alphabet. It is a well-diversified company that provides various online services and designs and manufactures consumer electronics and software. Google offers a wide variety of online services, including a search engine of the same name, email services (Gmail), office software (Google Docs, Sheets, and Slides), video streaming service (YouTube), etc. In addition, the company developed a mobile operating system called Android that is installed in the majority of today’s smartphones. The company also produces consumer electronics such as laptop Chromebook, smartphone Pixel, and Google Home voice assistant.
Alphabet Inc., incorporated on July 23, 2015, is a holding company. The Company’s businesses include Google Inc. (Google) and its Internet products, such as Access, Calico, CapitalG, GV, Nest, Verily, Waymo and X. The Company’s segments include Google and Other Bets. The Google segment includes its Internet products, such as Search, Ads, Commerce, Maps, YouTube, Google Cloud, Android, Chrome and Google Play, as well as its hardware initiatives. The Google segment is engaged in advertising, sales of digital content, applications and cloud offerings, and sales of hardware products. The Other Bets segment is engaged in the sales of Internet and television services through Google Fiber, sales of Nest products and services, and licensing and research and development (R&D) services through Verily.
Google is engaged in investing in infrastructure, data management, analytics and artificial intelligence (AI). The Company offers Google Assistant, which allows users to type or talk with Google in a natural conversational way to help them get things done; Google Maps, which helps users navigate to a store while showing them current traffic conditions, and Google Photos, which helps users store and organize all of their photos. The Company invests in platforms, such as Chrome browser, Android mobile operating system, Chrome operating system and Daydream virtual reality platform, as well as its hardware devices, such as the Pixel phone and Google Home.
The Company provides advertisers with tools that help them attribute and measure their advertising campaigns across screens. Its advertising solutions help a range of companies grow their businesses, and it offers a range of products across screens and devices. For performance advertisers, AdWords, its primary auction-based advertising program, helps create text-based advertisements that appear on Google properties and the properties of Google Network Members. In addition, Google Network Members use its AdSense program to display relevant advertisements on their properties, generating revenues when site visitors view or click on the advertisements. The Company also offers advertisement technology platform for brand advertisers, agencies, and publishers to help their digital marketing businesses.
Technology Stocks List for April 2019:
NXP Semiconductors (NXPI)
NXP provides high performance mixed signal and standard product solutions for automotive, personal security and identification, wireless and wireline infrastructure, mobile communications, multi-market industrial, consumer and computing. NXP’s chips are industry leaders in areas like connected cars, the iternet of things and cybersecurity. NXPI stock reached $125 per share in 2018 as Qualcomm (QCOM) was slated to acquire the company. After China failed to approve Qualcomm’s bid, NXPI shares plunged. Regardless, there’s something to be said for a company with a stranglehold on high-growth markets trading at just 13 times earnings, and that makes NXPI one of the best tech stocks to buy for 2019.
StoneCo is a young, relatively small Brazilian financial tech company fresh off an initial public offering. StoneCo’s early backers include Berkshire Hathaway (BRK.A, BRK.B), Alibaba’s Ant Financial, 3G Capital and the Walton heirs. That’s a pretty impressive list of initial capital investors. StoneCo provides point-of-sale hardware, software and digital payments solutions to merchants. Growth is dramatic, with revenue soaring 92 percent and adjusted profits surging 425 percent in the first half of 2018.
Adobe is the leading provider of creative software. It has regularly been one of the best large-cap growth stocks for the past decade. It still registers as one of the best tech stocks to buy for 2019. Revenue is up 24 percent and profits are up 61 percent in the first nine months of 2018. Adobe’s most convincing advantage is its massive moat: a suite of creative software – including Photoshop, Illustrator, Premiere, InDesign, Dreamweaver and others. It has a cloud-based subscription business model driving a strong stream of recurring revenue.
IQiyi is China’s leading video-streaming platform. IQ is seeing rapid growth, with revenue rising almost 50% and a subscriber base approaching 100 million. Ninety-eight percent of users are paying subscribers, with consumers flocking to iQiyi’s for its self-produced content. IQ is still unprofitable, focusing heavily on content investments to grow market share. Majority owner Baidu can well afford to fund IQ’s strategic growth as iQiyi’s expansion continues into 2019.
Symantec Corporation (SYMC)
Symantec is a global provider of cybersecurity products, services and solutions. The company was founded in the early ’80s and has a market cap of $13.95 billion. It operates through two divisions: consumer digital safety and enterprise security. It owns the popular anti-virus brand Norton. Symantec’s enterprise business contributes most of the company’s revenue, while the consumer segment drives the most profit.
High Yield Dividend Stocks
Are you interested in high Yield Dividend Stocks? Check out the Top 5 Dividend Stocks to Buy… | finance |
https://www.whbusinesslawyers.com/practice-areas/securities-litigation/ | 2020-03-31T00:55:19 | s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585370499280.44/warc/CC-MAIN-20200331003537-20200331033537-00230.warc.gz | 0.964984 | 414 | CC-MAIN-2020-16 | webtext-fineweb__CC-MAIN-2020-16__0__177149795 | en | When you hire a securities and investment firm to handle your investments and savings, you have a reasonable expectation that the company or individual will act in good faith to protect your money and deliver the service that you signed up for. The actions of a dishonest investment adviser or stockbroker can be enough to cause irreparable harm to your investments, your financial security, and your future. As devastating as it can be when your investments take a hit, it is important to remember that investors are protected under a range of state and federal trade laws. As such, there is a good chance you will be able to take legal action against whoever is found to be responsible for the illegal or unethical actions that culminated in your losses.
At Williams Hart, our Houston securities litigation attorneys understand just how much may be riding on the outcome of this claim, and we can develop an aggressive legal strategy to help you pursue litigation against the responsible party. Though the prospect of taking legal action against a well-financed securities company may seem daunting, our attorneys have the experience and resources you need to aggressively pursue compensation for your losses.
Unfortunately, there is a veritable laundry list of illegal and unethical actions by which securities and investment companies and individual brokers have been known to lose their investors’ holdings. That being said, our legal team is prepared to pursue a line of litigation against any company or individual whose unethical or illegal actions have adversely affected your investments, including but not limited to cases alleging the following:
Whatever the particulars of your situation happen to be, our attorneys can help you understand all of the legal avenues by which you may be able to take action against the securities company or broker responsible for your losses.
If your financial holdings have been affected by the illegal or otherwise unethical actions of a securities company or individual broker, you should reach out to an attorney immediately. To speak with a Houston securities litigation lawyer from Williams Hart about the economic damages associated with your case and what we can do to help you pursue financial recovery, please call our offices at (713) 230-2200 today. | finance |
https://mystportal.com/studying-accounting-in-australia-or-canada-as-a-foreign-student/ | 2023-12-07T16:51:57 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100677.45/warc/CC-MAIN-20231207153748-20231207183748-00461.warc.gz | 0.928691 | 2,759 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__145824111 | en | Studying accounting abroad can be a great way to broaden your horizons and hone your skills in the field. For foreign students looking for a career in accounting, Australia and Canada are two of the top destinations.
In this article, we will discuss the opportunities available for foreign students who wish to study accounting in Australia and Canada. We will explore the accounting courses offered, the eligibility requirements for admission, and the average tuition fees. Additionally, we will delve into the career prospects for accounting graduates in these countries, including the demand for accountants in the job market and the average salaries for fresh graduates. Finally, we will discuss the eligibility requirements for permanent residency for accountants and some tips for accounting students to help them succeed in their careers.
Accounting Courses in Australia and Canada
If you’re a foreign student looking to pursue a career in accounting, Australia and Canada are great options to consider. Both countries offer a range of accounting courses that cater to the diverse needs of students, from foundational courses to advanced programs.
1. Duration of Accounting Courses in Australia and Canada
The duration of accounting courses in Australia and Canada varies depending on the level of the course. Typically, a bachelor’s degree in accounting takes three to four years to complete, while a master’s degree takes one to two years. However, some universities offer accelerated programs that allow students to complete their degrees in a shorter period.
2. Average Tuition Fees for Accounting Courses in Australia and Canada
The tuition fees for accounting courses in Australia and Canada depend on many factors, such as the level of the course, the institution, and the location. On average, the tuition fees for a bachelor’s degree in accounting in Australia range from AUD 25,000 to AUD 40,000 per year, while in Canada, the fees range from CAD 20,000 to CAD 50,000 per year. For a master’s degree in accounting in Australia, the fees range from AUD 30,000 to AUD 50,000 per year, while in Canada, the fees range from CAD 30,000 to CAD 60,000 per year.
3. Eligibility for Admission into Accounting Courses in Australia and Canada
To be eligible for admission into an accounting course in Australia or Canada, you must meet the minimum requirements set by the institution. Typically, you need to have completed secondary education or an equivalent and meet the English language proficiency requirement. In Australia, students need to pass the International English Language Testing System (IELTS) with an overall score of 6.5 or higher. In Canada, students need to take either IELTS or the Canadian English Language Proficiency Index Program (CELPIP).
4. IELTS Requirements for Accounting Courses in Australia and Canada
The IELTS requirement for accounting courses in Australia and Canada varies from institution to institution. It’s important to check the IELTS score requirement before applying to an accounting course. For example, the University of Melbourne, one of the top universities in Australia, requires an overall score of 6.5 for its Master of Accounting course, while the University of Toronto, one of the top universities in Canada, requires a minimum score of 7.0 for its Master of Management and Professional Accounting course.
5. Admission Sessions for Accounting Courses in Australia and Canada
Most universities in Australia and Canada have two admission sessions per year – Semester 1 and Semester 2. Semester 1 intake starts in February/March, while the Semester 2 intake starts in July/August. Some universities also offer a Summer or Winter intake, which is a shorter semester that starts in November/December or May/June, respectively.
If you’re considering studying accounting in Australia or Canada, it’s important to research the courses available and the admission requirements and procedures. You can visit the websites of the universities that interest you to get more information on the accounting courses, the eligibility requirements, and the tuition fees.
Career Prospects for Accountants in Australia and Canada
When it comes to career prospects for accountants, Australia and Canada are great options for foreign students. Both countries have a strong economy and a stable job market, making them ideal for accounting graduates.
1. Average Salary of Fresh Accounting Graduates in Australia and Canada
The average salary of fresh accounting graduates in Australia and Canada varies depending on several factors, such as the level of education, experience, and location. In Australia, the average salary for a graduate accountant is around $55,000 to $75,000 per year, while in Canada, it ranges from $50,000 to $80,000 per year.
It’s worth noting that the salary can increase significantly with experience and additional qualifications. For example, in Australia, a certified public accountant (CPA) can earn an average salary of AUD 60,000 to AUD 110,000 per year, while a CPA in Canada can earn an average salary of CAD 45,000 to CAD 100,000 per year.
2. Demand in the Job Market for Accountants in Australia and Canada
The demand for accountants in the job market in Australia and Canada is high and expected to remain so in the coming years. In Australia, the job outlook for accountants is positive, with a projected growth rate of 9.2% in the next five years, according to the Australian Government’s Job Outlook website. In Canada, the demand for accountants is also high, with a projected growth rate of 5.8% in the next five years, according to the Government of Canada’s Job Bank website.
3. Job Opportunities for Accounting Graduates in Australia and Canada
Accounting graduates in Australia and Canada have a wide range of job opportunities available to them. Some of the common job roles for accounting graduates include:
- Financial Accountant
- Management Accountant
- Tax Accountant
- Financial Analyst
- Budget Analyst
There are also opportunities to work in various industries, such as banking, insurance, government, and non-profit organizations.
Permanent Residency after Studying Accounting in Australia and Canada
If you’re a foreign student pursuing accounting courses in Australia or Canada, you may be interested in obtaining permanent residency in these countries. Permanent residency allows you to live and work in Australia or Canada indefinitely, and it can lead to citizenship after a certain period.
1. Eligibility Requirements for Permanent Residency in Accounting in Australia
To be eligible for permanent residency in accounting in Australia, you need to meet the following requirements:
- Have completed a degree or diploma in accounting or a related field from a recognized Australian institution.
- Have at least two years of work experience in accounting or a related field.
- Meet the English language proficiency requirement.
- Score at least 65 points on the points test.
The points test is a system used by the Australian government to assess the eligibility of skilled workers for permanent residency. Points are awarded based on factors such as age, English language proficiency, work experience, and education. You can use the points calculator on the Department of Home Affairs website to check how many points you’re eligible for.
If you’re 25 years old, have a bachelor’s degree in accounting, have three years of work experience in accounting, and score 7.0 on the IELTS, you’ll score 75 points in the points test, which makes you eligible for permanent residency in Australia.
2. Eligibility Requirements for Permanent Residency in Accounting in Canada
To be eligible for permanent residency in accounting in Canada, you need to meet the following requirements:
- Have completed a degree or diploma in accounting or a related field from a recognized Canadian institution.
- Have at least one year of work experience in accounting or a related field.
- Meet the English or French language proficiency requirement.
- Score at least 67 points in the Express Entry system.
The Express Entry system is a system used by the Canadian government to manage applications for permanent residency from skilled workers. Points are awarded based on factors such as age, education, work experience, language proficiency, and adaptability. You can use the Come to Canada tool on the Government of Canada website to check your eligibility for the Express Entry system.
If you’re 30 years old, have a master’s degree in accounting, have two years of work experience in accounting, and score 7.5 on the IELTS, you’ll score 473 points in the Express Entry system, which makes you eligible for permanent residency in Canada.
3. Tips for Succeeding in Your Permanent Residency Application
- Start early: The process of applying for permanent residency can take several months, so it’s important to start early and gather all the required documents in advance.
- Follow instructions: Make sure you read and follow the instructions carefully when filling out your application form. Any errors or omissions can lead to delays or even rejection.
- Provide evidence: You need to provide evidence to support your claims of education, work experience, language proficiency, and other factors. Make sure you provide all the required documents and that they’re authentic and verifiable.
- Seek professional help: If you’re unsure about any aspect of the application process, seek professional help from a registered migration agent or lawyer. They can guide you through the process and help you avoid common mistakes.
- Be patient: The process of obtaining permanent residency can be long and stressful, but it’s important to be patient and persistent. Keep track of your application status and follow up if necessary.
Tips for Accounting Career in Australia and Canada
Studying accounting in Australia and Canada can be a great way to kick-start your accounting career. However, landing a job in the field can be competitive. Therefore, it is essential to have a solid plan and strategy to set yourself apart from the competition. Below are some tips to help you succeed in your accounting career in Australia and Canada.
1. Build a Strong Network
Networking is crucial to building a successful accounting career in Australia and Canada. Connect with other accounting professionals, attend industry events, and join accounting associations to expand your network. A strong network can provide you with job opportunities, references, and valuable insights into the industry.
2. Gain Work Experience
Work experience is valuable when it comes to finding a job in accounting. Consider internships, co-op programs, or part-time work to gain practical experience in the field. This experience can help you stand out to potential employers and give you a better understanding of accounting in practice.
3. Stay Up-to-Date with Industry Trends
The accounting industry is constantly evolving, and it’s crucial to stay up-to-date with the latest trends and changes. Subscribe to industry publications, attend conferences, and join online forums to keep yourself informed. This knowledge can help you identify new job opportunities and improve your skills in the field.
4. Consider Pursuing Professional Certifications
Professional certifications can enhance your accounting career in Australia and Canada. Consider pursuing certifications such as the Chartered Professional Accountant (CPA) designation, which is recognized by employers across the country. These certifications can also help you achieve permanent residency in accounting in Australia or Canada.
5. Develop Soft Skills
In addition to technical skills, soft skills such as communication, teamwork, and problem-solving are crucial for success in the accounting field. Develop these skills by volunteering, participating in extracurricular activities, or taking courses in leadership and communication.
For instance, if you’re an international student studying accounting in Canada, participating in extracurricular activities such as student clubs or volunteering can help you develop soft skills and make connections with other students and professionals in the field.
6. Create a Strong Resume and Cover Letter
Your resume and cover letter are your first impression with potential employers. Make sure they are well-written, error-free, and tailored to the job you’re applying for. Highlight your relevant skills and experience, and include any certifications or awards you have received.
For example, when applying for a job in accounting in Australia, make sure to highlight your experience and education in Australian accounting standards and practices.
7. Leverage Technology
Technology plays an increasingly important role in the accounting industry. Stay up-to-date with the latest accounting software and tools to improve your efficiency and effectiveness in the field. Knowledge of these technologies can also help you stand out to potential employers.
Take online courses or tutorials to learn how to use popular accounting software such as QuickBooks, Xero, or Sage.
Studying accounting in Australia and Canada as a foreign student can be a lucrative opportunity. Both countries offer a range of accounting courses that cater to the diverse needs of students. Accounting graduates in these countries have excellent career prospects, with high demand for accountants in the job market and attractive salaries. Additionally, foreign students who wish to stay in Australia or Canada permanently can explore the eligibility requirements for accounting permanent residency. Overall, pursuing accounting courses in Australia and Canada can be a great way for foreign students to kick-start their accounting careers.
DISCLAIMER: Please note that the information provided on this website is for general understanding only and should not be considered as legal advice. Every pages of the website is not updated every day. It is recommended to consult with our lawyers for latest information. | finance |
http://www.publications.ojd.state.or.us/docs/TC4442.htm | 2018-01-16T21:26:59 | s3://commoncrawl/crawl-data/CC-MAIN-2018-05/segments/1516084886739.5/warc/CC-MAIN-20180116204303-20180116224303-00109.warc.gz | 0.945664 | 2,182 | CC-MAIN-2018-05 | webtext-fineweb__CC-MAIN-2018-05__0__193926707 | en | Plaintiff argued that its notices of deficiency were timely because ORS 314.410(3) and (8) extended the period within which notices could be issued. The court held that extensions contained in ORS 314.410(3) and (8) were exceptions to the statute of limitation contained in ORS 314.410(1). The subsection (3) extension will only apply if notice of an IRS tax assessment change is received by Plaintiff before the state statute of limitation expires. The court also held that ORS 314.410(8) does not change conditions that control the other extension periods contained in ORS 314.410(1) through (7).
Notice of deficiency-Statute of limitation
1. ORS 314.410 is a basic statute of limitation with a list of specific exceptions to that limitation.
Notice of deficiency-Statute of limitation-Exception
2. In order for the exception contained in ORS 314.410(3) to apply, notice of an IRS tax assessment correction must be received by Plaintiff before the state statute of limitation expires.
Notice of deficiency-Statute of limitation-Exception
3. ORS 314.410(8) does not change the conditions controlling extension periods contained in ORS 314.410(1) through (7).
Oral argument on cross motions for summary judgment were held May 12, 2000, in the courtroom of the Oregon Tax Court, Salem.
James C. Wallace, Assistant Attorney General, Department of Justice, Salem, argued the cause for Plaintiff (the department).
J. Alan Jensen, Joel P. Leonard, Weiss, Jensen, Ellis & Howard, Portland, and James M. Thomas, Weiss, Jensen, Ellis & Howard, Seattle, argued the cause for Defendant (taxpayer).
Decision for Defendant rendered June 6, 2000.
CARL N. BYERS, Judge.
Plaintiff Department of Revenue (the department) appeals from a Magistrate Decision holding that the department's notices of deficiency were barred by the statute of limitations. The department asserts that Defendant's (taxpayer) extension agreements with the Internal Revenue Service (IRS) extended the time for it to issue notices of deficiency. The matter is before the court on stipulated facts and cross motions for summary judgment.
Taxpayer timely filed Oregon corporate excise tax returns for the tax years 1978 through 1984. Taxpayer did not enter into any agreements with the department extending the time for it to audit and issue notices of deficiency for those years. However, taxpayer did agree to extend the period within which the IRS could assess federal deficiencies for those same years. Taxpayer's extension agreements with the IRS expired as follows: (1) tax year 1978 expired June 15, 1993, (2) tax years 1979 through 1981 expired December 31, 1993, and (3) tax years 1982 through 1984 expired June 30, 1994.
During the extension periods, the IRS made corrections to taxpayer's federal taxable income. The IRS issued revised audit reports (RAR) as follows: RARs for tax years 1978 through 1981 were dated June 11, 1993, and received by the department on August 30, 1993; and RARs for 1982 through 1984 were dated June 29, 1993, and received by the department on May 2, 1994.
On May 30, 1995, the department issued notices of deficiency for the years 1978 through 1984.
Are the department's notices of deficiency barred by the statute of limitations?
1. The administration of state corporate excise taxes are governed by statute. ORS 314.410 (1) imposes time limits upon the department's authority to issue notices of deficiency. That statute may be viewed as providing a basic rule with specific exceptions. The basic rule, stated in ORS 314.410(1) is:
"* * * At any time within three years after the return was filed, the department may give notice of deficiency * * *."
Inasmuch as the notices of deficiency were issued in 1995 and the last year in which a return was filed in this case was 1985, the notices obviously do not fall within the three-year periods of limitation. However, ORS 314.410 contains a number of exceptions to this general rule.
The department claims that two exceptions apply to the facts of this case. First, the department claims exception under ORS 314.410(3). That subsection provides:
"* * * If the Commissioner of Internal Revenue or other authorized officer of the Federal Government makes a correction resulting in a change in the tax for state excise or income tax purposes, then notice of a deficiency under any law imposing tax upon or measured by income for the corresponding tax year may be mailed within two years after the department is notified by the taxpayer or the commissioner of such federal correction * * *." (Emphasis added.)
The department argues that its notices of deficiency were issued within two years from the date it received the RARs from the IRS. However, the department ignores the language of the statute emphasized above. The importance of that emphasized phrase was established in Swarens v. Dept. of Rev., 320 Or 326, 330, 883 P2d 853 (1994) wherein the Supreme Court stated:
"The text of ORS 314.410(3) suggests that, for the new limitation period to apply, the IRS correction must occur within the original limitation period. The statute is conditioned on a correction 'resulting in a change in tax for state * * * income tax purposes.'" (Emphasis added.)
2. A change in a taxpayer's state income tax cannot occur unless that year is still open to taxation. Because a tax year is open to taxation only within a limited period, it follows that, for the ORS 314.410(3) extension to apply, the IRS correction must be made and notice of that correction received before the state statute of limitations expires.
The primary point made by Swarens is that the limitation period of ORS 314.410(3), as it pertains to state income tax, is not extended by an IRS correction occurring within a limitation period for correcting federal income tax. Rather, it must occur before the state limitation period expires. The Supreme Court stated:
"Our conclusion that ORS 314.410(3) extends the statute of limitations only when an IRS correction occurs within the relevant state limitation period also is consistent with the apparent purpose of ORS 314.410(3)." Swarens at 333.
After discussing the legislative history, the court considered a report issued by the State Tax Commission and found that:
"The report makes clear that the original purpose of the statute was to extend the statute of limitations in cases where a correction is made by the federal government within the statute of limitations. * * *
"We conclude that, under ORS 314.410(3), a correction by the IRS extends the statute of limitations only if that correction is made before the state statute of limitations has run." Id. at 334-35.
The three-year statute of limitation contained in subsection (1) had already tolled before the IRS made any corrections. Consequently, taxpayer's state excise tax was untouched and therefore, the two year extension contained within subsection (3) will not apply.
The department claims that a second exception in subsection (8) of ORS 314.410 triggers the two-year extension contained in subsection (3). Subsection (8) provides:
"Notwithstanding the other provisions of this section, if any taxpayer agreed with the United States Commissioner of Internal Revenue for an extension * * * of the period for giving notices of deficiencies and assessing deficiencies in federal income tax for any year, the period for mailing notices of deficiencies of tax for such years shall be within the limits expressed in subsections (1) to (7) of this section or six months after the date of the expiration of the agreed period for assessing deficiencies in federal income tax, whichever period expires the later."
The department believes that subsection (8) may resurrect the two-year exception available in subsection (3). In its reply brief, the department asked "the court to recognize that the word 'or' in subsection (8) means that [the department] has the longest of eight potential periods within which to issue a notice of deficiency, following a federal extension. If a timely, federal adjustment changes federal tax, then the two-year period following notification of the change is one of the potential periods." (Ptf's Reply Br In Supp of Its Cross Motion For Partial Summ Jgmt at 3.) However, the department's construction ignores the language of subsection (8) as well as the Oregon Supreme Court's construction of subsection (3) contained in Swarens.
3. Whenever a taxpayer agrees with the IRS to extend the period for giving federal notices of deficiency, ORS 314.410(8) makes the limitation period the longest of any of the limitation periods provided by subsections (1) through (7) or six months after the federal extensions expire, whichever is later. Subsection (8) does not change the conditions controlling the periods in subsections (1) through (7). Therefore, in the absence of any agreement with the state, the additional two-year period of ORS 314.410(3) only applies if the federal correction was made within the state's three-year statute of limitation.
Here, the state had no extension agreement. Therefore, the extended period provided in subsection (3) only applies if the federal corrections are made within three years from when the return was filed. In short, the limitation period provided by subsection (3) is significantly shorter than the department would like.
Applied to the facts of this case, of all the potential extension periods available under subsection (8), only one provides any extension of the three-year statute of limitation. That one extension, contained within subsection (8) itself, allows deficiencies to be mailed within "six months after the date of the expiration of the agreed period for assessing deficiencies in federal income tax, whichever period expires the later." The department failed to send its deficiency notices within those six months, and therefore its deficiency notices were void.
In conclusion, because the department failed to mail deficiency notices within the time periods required by ORS 314.410, each of the deficiencies for tax years 1978-1984 mailed to the taxpayer was void. Now, therefore,
IT IS ORDERED that Plaintiff's cross motion for partial summary judgment is denied, and
IT IS FURTHER ORDERED that Defendant's Motion for Summary Judgment is granted. Costs to neither party.
1. All references to the Oregon Revised Statutes are to 1993.
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If you have actually been battling to get from debt for a very long time as well as you seem like you're lacking options, there might come a time when you determine to proclaim bankruptcy. Many people consider personal bankruptcy only after they seek financial obligation combination or financial debt negotiation These options could help you get your funds back on course as well as won't adversely influence your credit scores as much as a personal bankruptcy. Debtors need to know that there are several options to bankruptcy, specifically if they are considering declare Chapter 7 insolvency.
If a debtor has nothing left that is important, such as residential property or income, another bankruptcy option is simply to stop paying financial institutions. At, attorneys from our network evaluate situations as well as determine whether declare Phase 7 personal bankruptcy, Chapter 13 personal bankruptcy, or another debt monitoring approach will be best.
Sole proprietorships could additionally be eligible for relief under phase 13 of the Insolvency Code. If you wish to discharge your charge card debt, medical and utility bills, stay clear of foreclosure, and evaluate the stability of financial obligation monitoring plans or financial debt settlement plans, you need the help of qualified personal bankruptcy lawyers.
Declare personal bankruptcy is a lawful procedure that either decreases, reorganizes or removes your financial debts. Creditors could intend to prevent a borrower entering into bankruptcy, calculating that a personal bankruptcy filing will minimize the quantity of the financial debt that will certainly be repaid to them. Attorneys from our network could clarify which sort of bankruptcy will ideal secure your assets while eliminating the largest quantity of financial obligation, so you'll recognize you're choosing the ideal path for you.
You would certainly need to if you file Chapter 13 insolvency either to save a property or due to the fact that you failed the means test for Phase 7. You may be able to cut out those nice-to-haves like cord or satellite cell, landline and television phones if you take a closer look at your budget plan. If you need to choose between settling a few financial debts or filing insolvency, work out the debts, however do it right.
The Regulation Offices of Kevin Ahrenholz could help you in submitting Phase 7, Chapter 11, Chapter 12, as well as Chapter 13 insolvency. The feasible positive side with figuring out a Chapter 13 is your only bankruptcy option is that you could have access to funds that could enable you to resolve your financial debts quickly. People that used Phase 13 personal bankruptcy, best called wage earner's personal bankruptcy," had to do with split in their success.
During this moment, an insolvency discharge can avoid you from getting brand-new credit lines and also might also cause problems when you look for work. The majority of individuals submitting bankruptcy were not specifically well-off. Our bankruptcy lawyers can assist you to check out non-bankruptcy choices in order to help you discover the financial obligation alleviation remedy that is finest for you.
To get more information concerning insolvency and also other debt-relief choices, seek advice from a regional credit history therapist or check out the Federal Trade Payment's educational web pages. The individuals as well as organisation that file for bankruptcy have far more financial debts compared to loan to cover them and also do not see that transforming anytime quickly.
If one of these insolvency alternatives saves your credit report, it's better to take it, even if it will take a little longer or set you back a little more to obtain rid of your financial obligation. This is a far better alternative for the creditor compared to if the debtor has actually the financial debt released in Chapter 7 bankruptcy or positioned in a court-approved repayment plan in a Chapter 13 insolvency.
In Phase 13 debt consolidation" insolvency, you reach keep all of your home or business, however you pay into a 3- to five-year payment plan. However, insolvency is still expensive, as well as because of that, we offer nine various layaway plan alternatives that will fit most budget plans. For this reason, before establishing if insolvency is your ideal course of action, it's smart to compare all alternatives you need to get financial obligation alleviation without bankruptcy.
Though individuals can file a bankruptcy case without a attorney or “pro se,” it really is severely tricky to get it done competently.|The opinions expressed on this Internet site depict only the thoughts of Robinson Law Personal computer and so are by no means supposed as legal information upon which you should rely.|Observe: You might be receiving additional behind simply because you will not be Benefiting from all readily available tax credits and income dietary supplements. Use our Do not Leave Revenue on the Desk! checklist to check out if you can be improving your income with more credits, refunds and benefits.|The get worried and tension of getting these debts and getting pressured by assortment organizations is too difficult that you should deal with, or|Filing Chapter thirteen bankruptcy stops foreclosure, removes charge card credit card debt, together with other debts including clinical costs or personalized loans. In some cases, Filing Chapter 13 bankruptcy can strip or remove a 2nd mortgage loan lien or a 3rd home loan lien over a household.|There are numerous means of locating a lower-Charge lawful Specialist online. It is possible to check out employing a free attorney Listing to come up with an excellent listing of candidates. The downside to this technique is that you have got to connect with or stop by Every one of them and make clear your fiscal predicament.|You should deliver the identify and handle of the corporation or person linked to the lease or deal, an outline on the lease or contract, plus the account quantity.|at a minimal rate and obtain it carried out quick. The primary will be the money certification kind. It can condition your money flow together with it’s about to show a cost system.|Do not cover information and facts from them the attorney. Put your facts in existence so the attorney can provide you with an educated solution based upon the true points of one's case. You’ll possible locate some very skilled, very low-Price bankruptcy legal professionals as well as Professional bono bankruptcy attorneys that are willing to aid.|By using a Free Session, we can easily begin to assist you to, your family, or your smaller enterprise on the most effective route to fiscal recovery. We offer knowledgeable and caring Affordable Lawyers for Bankruptcy without the unpleasant surprises that considerably less-professional bankruptcy attorneys could result in.|You can Speak to us even soon after your circumstance is closed. Closed conditions might from time to time have to be reopened and it is nice to grasp that we'll be there for yourself regardless of what.|The list of creditors, account quantities, addresses, and quantities owed need to be as complete as possible to stop difficulties following the bankruptcy. Creditors who will be not notified because of the court will try to gather Regardless of the bankruptcy.|Any creditors or debts not detailed inside the paperwork filed Using the courtroom will be exempt in the bankruptcy filing. Meaning they will still be capable to search for recompense for your debts even just after this method is total. Make sure you incorporate all pertinent debts and creditors when filing.|Get yourself again on track. For the summary in the bankruptcy course of action, you might be discharged. You are no more chargeable for discharged debts, and creditors can not take any motion from you. You are now able to get started rebuilding your credit rating.|It was evident from the kinds of queries she was inquiring that she had performed her research. This method ongoing to get a number of more weeks and by then, we were being starting to suspect that she wasn't an actual debtor trying to get to file bankruptcy but alternatively, an attorney attempting to enrich her have familiarity with bankruptcy from our specialists.|FreeProBono served me discover an area pro bono attorney that considered in my lead to. I had been overwhelemed Nonetheless they served me by my challenges and now I am saved!|To enroll in updates for local and national court subjects, or to accessibility your subscriber preferences, you should enter your contact data beneath.|Program H – Co-debtors: It's essential to deliver the courts Using the identify and deal with of co-debtors that are accountable for any debts that you've A part of your bankruptcy filing.|The subsequent bankruptcy forms might be necessary regardless if you are filing Chapter seven or 13 (Except if not indicated). You could attain the forms for free through the U. S. Bankruptcy Court website.|BAPCA is essential bankruptcy reform legislation that took impact in 2005 and continue to has key implications for bankruptcy currently. Take a minute to familiarize yourself with BAPCA.}
Kid support and spousal aid owed, and selected other obligations under a divorce or separation order
✓ ✓ If you should make alterations just after your filing or simply soon after your discharge, we may help. ✓ ✓ When it really is time on your creditor Assembly, we offer you data to prepare you, so that the process is really a breeze.
They may minimize the worry of getting to complete seemingly endless paperwork. Filing providers is not going to present the very vital authorized assistance. Filing expert services might be of great use to businesses with a great deal of finances to trace, but again, they aren't an equitable substitute for bankruptcy attorney.
They're also those with the highest fee. It's your decision to select which one is the greatest for you. You may choose the cheapest but be sure you employ the one having a couple of years of practical experience and also have correctly handled many conditions prior to now. Deciding on the lowest-price tag at this stage could possibly Offer you less or no response in the slightest degree from their network.
This known as an "automatic stay." Even though the 2005 legislation provides far more exceptions to this rule, the automated stay still stops most selection attempts though your case is pending, particularly when your case is a relatively basic and quick a person.
Bankruptcy is rather challenging in most states. There's a great deal of paperwork, and every little thing has to be ready pretty extensively and precisely. In certain areas Get it done Yourself (DIY) bankruptcy is an alternative, but It's not advisable. When folks take care of their particular bankruptcy filing with no help of bankruptcy attorneys, it frequently goes inadequately.
Incorporates: Tips on how to use reaffirmation agreements to maintain your financed appliances and home furnishings and pay nothing.
Bankruptcy may not discharge all your debts with no some sacrifices. In case you have only a few belongings and small income, you may not drop just about anything. But wealthier debtors can reduce some of their belongings, or could possibly have to keep spending to maintain them.
The method is a 3-stage course of action, and that is straightforward to complete, hugely effective and In addition it guards your privacy.
Though you will find many various forms of bankruptcy, two are most frequent for individuals. Both of these solutions contain filing for bankruptcy underneath Chapter seven and Chapter thirteen of The us bankruptcy code.
What qualifications do your counselors have? Are they accredited or certified by an outdoor organization? What teaching do they acquire?
Feel free to look through our authorized site and overview archived articles or blog posts about bankruptcy and various legal challenges that our shoppers often inquire us about. We operate really not easy to make this as cost-effective for yourself as possible even though even now running a business mainly because we care about you!
In the scenario in which a debtor is mentally incompetent to signal a bankruptcy petition and no bankruptcy certain ability of attorney exists, the non-debtor member of the family really should request to generally be appointed guardian from the debtor relative with the courtroom technique in their county.}
Which Type Of consumer bankruptcy Should You Submit? Phase 7 Vs. 13
This phase of the consumer bankruptcy Code generally provides for reconstruction, typically involving a company or collaboration. Insolvency remains on your debt report for 7-10 years, relying on which phase of personal bankruptcy you submit under. It may be time to declare personal bankruptcy if it is going to take more compared to 5 years for you to pay off all your financial debts. Phase 13 bankruptcies compose regarding 30 percent of non-business bankruptcy filings. Filing personal bankruptcy with a court is the primary step.
If filing personal bankruptcy is ideal for you, a personal bankruptcy attorney could describe your alternatives and also assist you identify. Take the time to calculate what does it cost? money you have to avoid insolvency. We are the bankruptcy attorneys you can phone call to aid you attain freedom from your financial institutions as well as restore monetary stability. The automated remain" order protects against lenders from trying to accumulate from you during the personal bankruptcy process.
The new personal bankruptcy legislation needs debt counseling before personal bankruptcy filings anyhow so it's worth it to strongly consider credit history therapy as a bankruptcy choice. The American Insolvency Institute (ABI) did a research study of PACER stats (public court documents) from 2016 and also located that 95.5% of the 499,909 Phase 7 insolvency cases chose that year were discharged, indicating the individual was no longer lawfully needed to pay the financial debt.
A Chapter 13 bankruptcy involves paying back several of your financial debts to have actually the rest forgiven. It is essential to understand that while insolvency is an opportunity to start over, it most definitely impacts your credit history and also future capacity to make use of loan. Insolvency is a legal process designed to put a stop to collection phone calls and eliminate debt completely.
Your bank card firm will certainly decide whether you could maintain your charge card after your personal bankruptcy. If you haven't done so at this moment, this might be where you understand you should discover a personal bankruptcy attorney Lawful counsel is not a need for individuals applying for either Phase 7 or Chapter 13 bankruptcy, however you are taking a significant threat if you prefer to represent on your own.
Declaring insolvency might enable you to get a fresh monetary start. The majority of people who file for bankruptcy pick either a Phase 7 or Chapter 13 case. Your co-signer still may be lawfully obligated to pay all or component of your lending when you proclaim bankruptcy. Still, as a result of the lasting effects of insolvency, some professionals think it's most useful when you have greater than $15,000 in debts.
Chapter 7 insolvency is a court procedure that is created to eliminate credit card financial debt, medical debt, as well as various other types of unsafe debts for individuals who could not afford to settle them. For a detailed conversation of non-bankruptcy alternatives, check out Solve Your Cash Problems: Financial Obligation, Credit & Insolvency, by Robin Leonard and Margaret Reiter (Nolo).
The opportunity of a debtor declare bankruptcy will certainly inspire some creditors to accept reduce the month-to-month payment, develop a long-lasting settlement plan, or reduce the rates of interest or the debt. For something, you may not recognize government or state personal bankruptcy regulations or understand which regulations apply to your case, especially regarding just what financial debts can or cannot be released.
Declare personal bankruptcy is a legal procedure that either decreases, restructures or removes your financial obligations. Creditors might intend to prevent a debtor entering into insolvency, calculating that a personal bankruptcy declaring will certainly lower the quantity of the financial obligation that will certainly be settled to them. Lawyers from our network could explain which type of bankruptcy will certainly finest protect your possessions while eliminating the biggest amount of financial obligation, so you'll understand you're choosing the best path for you.
No. If you can pay your costs when they schedule, it's a good idea to do so. However, if your debts are considerably more than your assets and also revenue, bankruptcy may be your best alternative. On top of that, specific borrowers that have regular earnings might seek a change of financial obligations under phase 13 of the Bankruptcy Code A particular benefit of phase 13 is that it offers individual debtors with an opportunity to save their residences from foreclosure by allowing them to "capture up" past due settlements through a layaway plan.
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6 Factors As Well As 5 Ways To Prevent Declaring Personal Bankruptcy
Depending upon the kind, or "chapter," of insolvency, financial debts are treated differently. Joining a credit report or debt counseling company's debt administration program is a bit like declare Phase 13 insolvency. Personal bankruptcy lugs some substantial long-lasting penalties since it will certainly continue to be on your credit score record for 7-10 years, yet there is a great mental and emotional lift when you're provided a clean slate and also all your financial debts are removed.
If a debtor has absolutely nothing left that is beneficial, such as home or income, another bankruptcy alternative is just to stop paying financial institutions. At, lawyers from our network examine situations and determine whether filing for Chapter 7 bankruptcy, Phase 13 personal bankruptcy, or one more debt monitoring method will be best.
In Phase 7 liquidation" personal bankruptcy, residential property gets marketed to pay back creditors for financial obligation relief (although many individuals keep most, if not all, of their properties). If Chapter 13 bankruptcy is your only insolvency choice that you may have a possession that you can sell off to settle your debts right away, there is a respectable possibility that.
Chapter 13 insolvency normally varies from 3 5 years to release. Only 24,375 insolvency situations were filed by organisations in 2015. There are various other ways to deal with lenders except applying for insolvency. In 2015, personal bankruptcy filers owed $113 billion as well as had assets of $77 billion, most of that being realty holdings, whose genuine value is open to question.
To find out more regarding insolvency and also various other debt-relief alternatives, consult from a regional credit history counselor or review the Federal Trade Commission's informational pages. The individuals as well as organisation who apply for personal bankruptcy have far more financial debts compared to cash to cover them and also do not see that transforming anytime quickly.
When personal bankruptcy is the only various other alternative for the borrower, an additional personal bankruptcy option is to ask creditors to agree to a settlement plan Many lenders will certainly consent. Our charges for pre-filing Phase 7 personal bankruptcy solutions are one of the most affordable in the country. If some combination of home loan financial debt, bank card financial obligation, clinical bills and student lendings has actually devastated you economically and also you don't see that picture transforming, insolvency might be the best answer.
Though the business continuouslies run during bankruptcy proceedings, most of the choices are made with authorization from the courts. Due to the fact that insolvency could have such a devastating effect on your credit score, it's better to look for other options before submitting Chapter 7 or Chapter 13 insolvency. Your assets will be sold by a court-appointed bankruptcy trustee.
Throughout this time, a bankruptcy discharge can prevent you from getting new lines of credit and may even trigger issues when you apply for tasks. A lot of the people filing bankruptcy were not specifically rich. Our bankruptcy attorneys could assist you to explore non-bankruptcy alternatives to assist you locate the debt relief option that is ideal for you.
Speaking to an insolvency legal representative can assist you familiarize your alternatives and comprehend the insolvency procedure. If you're thinking about filing Phase 7 insolvency, full our questionaire to see if you qualify. For instance, you could have the ability to avoid bankruptcy if you market some assets, cut back on your budget plan, make a deal with your financial institutions, and borrow loan from friends and family.
Allow your creditors know you are having monetary trouble as well as intend to prevent personal bankruptcy. - as well as do not have the earnings to spend for it. There were 844,495 insolvency instances submitted in 2015, and also 97% of them (819,760) were submitted by individuals. If the borrower's "current regular monthly revenue" is more than the state average, the Personal bankruptcy Code requires application of a "means examination" to identify whether the chapter 7 filing is presumably violent.
Finding Chapter 7 Bankruptcy Alternative
If you have actually been struggling to obtain out of financial obligation for a long period of time as well as you seem like you're running out of options, there could come a time when you decide to state personal bankruptcy. The majority of people think about bankruptcy only after they pursue financial debt consolidation or financial obligation settlement These choices could aid you get your finances back on the right track and won't negatively influence your credit rating as long as an insolvency. Debtors need to realize that there are a number of alternatives to personal bankruptcy, particularly if they are pondering declare Chapter 7 personal bankruptcy.
If a debtor has nothing left that is important, such as residential property or income, an additional bankruptcy option is just to stop paying lenders. At, attorneys from our network figure out and evaluate cases whether declare Chapter 7 personal bankruptcy, Phase 13 bankruptcy, or another financial debt management strategy will be best.
Sole proprietorships may additionally be qualified for alleviation under phase 13 of the Insolvency Code. If you want to release your bank card debt, medical and energy expenses, prevent repossession, as well as analyze the feasibility of financial obligation monitoring strategies or financial debt settlement plans, you need the assistance of certified insolvency lawyers.
Declare personal bankruptcy is a legal process that either reduces, restructures or eliminates your financial obligations. Lenders may wish to stay clear of a borrower going into personal bankruptcy, calculating that a personal bankruptcy filing will reduce the amount of the financial obligation that will certainly be repaid to them. Lawyers from our network can explain which type of bankruptcy will certainly finest safeguard your possessions while wiping out the largest quantity of financial obligation, so you'll understand you're selecting the right path for you.
Since you failed the methods examination for Chapter 7, you would certainly have to if you submit Chapter 13 insolvency either to conserve an asset or. If you take a closer take a look at your budget plan, you might have the ability to eliminate those nice-to-haves like cord or satellite cell, tv and landline phones. If you need to pick between settling a few debts or filing personal bankruptcy, clear up the financial obligations, however do it right.
The Law Offices of Kevin Ahrenholz can help you in submitting Chapter 7, Chapter 11, Chapter 12, and also Chapter 13 insolvency. The feasible silver lining with discovering a Phase 13 is your only personal bankruptcy option is that you might have access to funds that could permit you to settle your financial obligations promptly. People who made use of Chapter 13 personal bankruptcy, best known as wage earner's bankruptcy," had to do with split in their success.
Throughout this time around, a bankruptcy discharge can avoid you from obtaining brand-new lines of credit as well as may even cause troubles when you obtain jobs. A lot of the people filing personal bankruptcy were not specifically rich. Our bankruptcy attorneys can aid you to discover non-bankruptcy alternatives to help you find the debt alleviation remedy that is finest for you.
For more information regarding insolvency and various other debt-relief options, consult from a regional credit scores counselor or check out the Federal Profession Commission's informative pages. The individuals as well as business who apply for personal bankruptcy have far more debts compared to money to cover them and don't see that altering anytime quickly.
If among these personal bankruptcy options saves your credit history, it's far better to take it, also if it will certainly take a little bit longer or cost a little more to obtain rid of your financial obligation. This is a better choice for the lender compared to if the debtor has the debt discharged in Chapter 7 bankruptcy or put in a court-approved settlement plan in a Chapter 13 bankruptcy.
In Phase 13 combination" insolvency, you reach keep all your home, yet you pay right into a three- to five-year repayment plan. However, personal bankruptcy is still expensive, and for that reason, we offer nine various payment plan options that will fit most budgets. For this reason, before identifying if insolvency is your ideal strategy, it's important to contrast all options you need to obtain financial debt alleviation without insolvency.
When Personal Bankruptcy Could Not Be The Most Effective Debt Option
Learn exactly how Chapter 7 personal bankruptcy works, whether you could pass the qualification "indicates test," just what happens to your house and automobile in Chapter 7, which financial obligations will certainly be discharged by Phase 7 personal bankruptcy, and also much more. A Chapter 13 bankruptcy includes settling several of your debts to have actually the rest forgiven. It is essential to understand that while bankruptcy is an opportunity to begin again, it absolutely influences your credit report and future ability to use cash. Bankruptcy is a legal procedure developed to put a stop to collection phone calls and also wipe out debt for good.
The possibility of a debtor declare insolvency will encourage some creditors to accept decrease the regular monthly payment, develop a long-term repayment strategy, or decrease the rates of interest or the financial debt. For something, you might not recognize government or state insolvency laws or be aware which legislations relate to your case, especially concerning what debts could or can not be released.
We have the capability in order to help you with credit history therapy choices and could help you remove your financial obligation tons through bankruptcy. Explore alternatives to Chapter 7 or Chapter 13 bankruptcy before you submit. Phase 11 is often described as reconstruction insolvency" due to the fact that it provides services a chance to remain open while they reorganize the business' debts as well as possessions so it could pay back lenders.
If you are battling to settle delinquent financial obligations and also being harassed by debt collection agency, a personal bankruptcy lawyer could help. However, it could be possible to transform your phase 13 into a phase 7 insolvency, if you are not successful. Your insolvency attorney could assist you prevent foreclosure, stop car foreclosure, get rid of clinical expenses, and discharge bank card debt.
Such debtors need to consider filing a request under phase 11 of the Personal bankruptcy Code Under phase 11, the borrower does not avoid insolvency yet may seek a modification of debts. And, if you do, you might be able to generate an end result that might be a lot more beneficial than a Phase 13 personal bankruptcy. We understand that filing for bankruptcy could feel like a complicated process when you're overwhelmed with debt-- specifically if you're handling a wage garnishment, a pending suit, or a residence foreclosure.
Filing insolvency can permit you to obtain a fresh monetary begin. A lot of people who file for personal bankruptcy pick either a Chapter 7 or Chapter 13 instance. Your co-signer still may be legally obliged to pay all or component of your financing when you proclaim bankruptcy. Still, as a result of the long-lasting impacts of bankruptcy, some experts think it's most valuable when you have greater than $15,000 in the red.
Your bank card firm will choose whether you could keep your bank card after your personal bankruptcy. If you haven't done so now, this might be where you realize you should discover a personal bankruptcy lawyer Legal advise is not a requirement for people declaring either Phase 7 or Phase 13 personal bankruptcy, but you are taking a significant danger if you choose to represent yourself.
The brand-new insolvency regulation requires credit report counseling prior to bankruptcy filings anyhow so it deserves it to strongly take into consideration credit therapy as an insolvency option. The American Bankruptcy Institute (ABI) did a research study of PACER statistics (public court records) from 2016 as well as located that 95.5% of the 499,909 Chapter 7 bankruptcy instances chose that year were discharged, meaning the individual was not lawfully required to pay the debt.
To learn more concerning personal bankruptcy as well as various other debt-relief options, consult from a regional credit history counselor or read the Federal Profession Compensation's informative pages. The individuals and also company that declare insolvency have far more financial debts than money to cover them and don't see that transforming anytime soon.
During this time, a personal bankruptcy discharge could avoid you from acquiring brand-new lines of credit as well as could also cause problems when you apply for work. The majority of the people filing insolvency were not specifically wealthy. Our personal bankruptcy lawyers can aid you to discover non-bankruptcy options to assist you locate the debt relief option that is ideal for you.
Personal bankruptcy Options And How It Impacts Your Home loan
Consumer bankruptcy is a last resort for services and individuals, including Gawker Media, the business that possesses this website. The Legislation Offices of Kevin Ahrenholz could assist you in submitting Phase 7, Phase 11, Chapter 12, as well as Phase 13 bankruptcy. The possible positive side with figuring out a Phase 13 is your only personal bankruptcy option is that you could have access to funds that might enable you to resolve your financial debts quickly. People who made use of Chapter 13 bankruptcy, best known as wage earner's personal bankruptcy," were about split in their success.
In Phase 13 consolidation" insolvency, you reach maintain all your home or business, but you pay right into a three- to five-year settlement strategy. Nevertheless, bankruptcy is still expensive, as well as therefore, we offer nine different layaway plan alternatives that will certainly fit most budgets. For this reason, before determining if bankruptcy is your best course of action, it's wise to compare all options you have to get financial obligation alleviation without bankruptcy.
Because you failed the ways test for Chapter 7, you 'd have to if you submit Phase 13 insolvency either to save a property or. You might be able to reduce out those nice-to-haves like cable television or satellite landline, television as well as cell phones if you take a closer appearance at your budget. If you have to choose in between clearing up a couple of financial obligations or filing personal bankruptcy, clear up the financial obligations, yet do it right.
It is not always feasible to stay clear of bankruptcy, yet it makes sense to wear down all choices to bankruptcy prior to declaring Phase 7, Phase 13, or Chapter 11. This might appear a bit confusing, so why refrain from doing it right the very first time? LegalZoom can link you with a personal bankruptcy lawyer who will certainly help you identify which type of insolvency is right for you, prepare and submit the essential records, and suggest you throughout the bankruptcy procedure.
Sole proprietorships might likewise be eligible for alleviation under phase 13 of the Insolvency Code. If you wish to discharge your charge card financial obligation, clinical and also energy bills, prevent repossession, and evaluate the feasibility of financial debt monitoring plans or financial obligation settlement strategies, you need the support of qualified personal bankruptcy lawyers.
Such borrowers ought to think about submitting a petition under chapter 11 of the Personal bankruptcy Code Under phase 11, the borrower does not avoid personal bankruptcy but may look for an adjustment of financial debts. As well as, if you do, you might be able to generate an end result that can be far more positive compared to a Phase 13 bankruptcy. We know that declare insolvency can appear like a difficult process when you're bewildered with financial obligation-- especially if you're handling a wage garnishment, a pending claim, or a residence repossession.
Filing for insolvency is a lawful process that either minimizes, restructures or removes your financial debts. Lenders might want to avoid a borrower going into insolvency, determining that a personal bankruptcy declaring will certainly minimize the amount of the debt that will certainly be paid off to them. Attorneys from our network could explain which kind of bankruptcy will certainly finest shield your possessions while erasing the largest amount of financial debt, so you'll recognize you're picking the right course for you.
There is one substantial downside to filing for personal bankruptcy, nonetheless: a bankruptcy will stay on a debtor's debt record for approximately 10 years. When taking into consideration financial debt negotiation vs Chapter 13 personal bankruptcy it is very important you comprehend that there are two ways to carry out debt settlement.
The opportunity of a debtor declare insolvency will encourage some creditors to accept reduce the month-to-month settlement, develop a long-term payment strategy, or minimize the interest rate or the debt. For one thing, you may not recognize government or state bankruptcy legislations or realize which legislations relate to your instance, specifically concerning just what financial obligations could or cannot be discharged.
Taking part in a credit history or financial debt counseling company's debt management program is a bit like filing for Phase 13 bankruptcy. Bankruptcy lugs some significant long-lasting fines because it will remain on your credit history record for 7-10 years, but there is an excellent mental and also psychological lift when you're provided a new beginning and all your financial debts are eliminated.
When To File Phase 7 Or Chapter 13 Consumer Bankruptcy
If Phase 13 insolvency is a far better choice for you compared to Chapter 7 bankruptcy, locate out. Personal bankruptcy continues to be on your credit rating report for 7-10 years, depending click this upon which phase of insolvency you submit under. It might be time to state personal bankruptcy if it is going to take more than five years for you to pay off all your financial debts. Phase 13 bankruptcies make up concerning 30 percent of non-business bankruptcy filings. Declaring Bankruptcy with a court is the first step.
Our seasoned team of Reorganization attorneys supply tactical legal advice to assist devise the most effective financial debt administration plan. People can only file for insolvency under Chapter 13 if their debts do not exceed a certain quantity. But collaborating with a debt or financial debt counseling company has one advantage: No bankruptcy will show up on your credit report document.
The Legislation Offices of Kevin Ahrenholz can aid you in filing Chapter 7, Phase 11, Chapter 12, as well as Phase 13 insolvency. The possible positive side with finding out a Phase 13 is your only bankruptcy alternative is that you may have accessibility to funds that may enable you to settle your debts swiftly. People who used Phase 13 bankruptcy, best known as breadwinner's Liquidation," were about split in their success.
Chapter 7 Reorganization is a court procedure that is designed to wipe out credit card debt, medical financial debt, and also other sorts of unsecured financial obligations for people that can no more pay for to repay them. For a thorough discussion of non-bankruptcy choices, check out Solve Your Loan Troubles: Financial Debt, Debt & Bankruptcy, by Robin Leonard and also Margaret Reiter (Nolo).
Taking part in a debt or financial debt therapy company's debt monitoring program is a little bit like filing for Phase 13 bankruptcy.Consumer Bankruptcy carries some substantial long-lasting charges due to the fact that it will certainly remain on your credit score record for 7-10 years, however there is an excellent mental and emotional lift when you're given a new beginning and all your debts are removed.
While bankruptcy could offer relief and a fresh start from a lot of financial obligations, it is additionally considered the "financial obligation choice of last hope". Our law practice has been practicing law over 90 years, and our personal bankruptcy team has decades of consolidated experience assisting people face the financial tests of life. Your credit history report could not sustain substantially a lot more damages, especially if you regularly pay your expenses after proclaiming personal bankruptcy.
If a borrower has absolutely nothing left that is valuable, such as building or revenue, one more bankruptcy alternative is merely to stop paying lenders. At, attorneys from our network figure out and assess cases whether filing for Chapter 7 bankruptcy, Chapter 13 insolvency, or one more financial obligation monitoring approach will certainly be best.
Speaking to an insolvency lawyer can assist you become aware of your choices and also comprehend the personal bankruptcy process. If you're thinking about submitting Chapter 7 personal bankruptcy, full our questionaire to see if you qualify. For instance, you could have the ability to avoid personal bankruptcy if you market some possessions, reduced on your budget, make a deal with your creditors, as well as obtain money from friends and family.
Though the business continuouslies operate throughout personal bankruptcy proceedings, the majority of the choices are made with authorization from the courts. It's far better to look for other options prior to filing Phase 7 or Chapter 13 insolvency due to the fact that bankruptcy could have such a devastating impact on your credit scores score. Your properties will certainly be offered by a court-appointed insolvency trustee.
There are several types of personal bankruptcy for which individuals or married couples can file, the most typical being Phase 7 and also Phase 13. Phase 7 bankruptcy is a chance to get a court judgment that launches you from duty for paying off financial debts. Within one service day of when you call or email our office, you will certainly obtain call from our workplace offering to set up a complimentary, same-day insolvency qualification evaluation where we assess whether you are eligible for bankruptcy, and also if so, what phase of personal bankruptcy is best matched for you.
Alternatives To Personal Bankruptcy
The federal government needs all potential filers to experience credit rating counseling before declaring Liquidation. Let your financial institutions understand you are having economic problem and use this link wish to prevent Bankruptcy. - as well as do not have the income to pay for it. There were 844,495 insolvency instances submitted in 2015, and 97% of them (819,760) were submitted by individuals. If the borrower's "current regular monthly income" is more than the state typical, the Insolvency Code requires application of a "suggests test" to identify whether the chapter 7 filing is presumptively abusive.
We have the capability to assist you with credit score therapy choices as well as can assist you remove your financial obligation lots via insolvency. Check out options to Phase 7 or Phase 13 personal bankruptcy before you file. Phase 11 is typically described as reorganization personal bankruptcy" due to the fact that it gives services a chance to stay open while they restructure business' debts and assets so it could pay back financial institutions.
Declaring Personal Bankruptcy might allow you to obtain a fresh economic start. A lot of individuals who file for personal bankruptcy choose either a Phase 7 or Phase 13 situation. When you declare bankruptcy, your co-signer still may be lawfully obliged to pay all or part of your finance. Still, because of the long-term impacts of personal bankruptcy, some professionals think it's most advantageous when you have greater than $15,000 in debts.
While personal bankruptcy can provide relief and a new beginning from a lot of financial debts, it is also thought about the "financial obligation alternative of last resource". Our law firm has been practicing law over 90 years, and our bankruptcy team has decades of combined experience helping people face the financial tests of life. Your credit score record may not endure significantly more damages, specifically if you continually pay your bills after declaring bankruptcy.
The new insolvency regulation requires credit counseling prior to insolvency filings anyway so it deserves it to highly consider credit score therapy as an insolvency choice. The American Insolvency Institute (ABI) did a research study of PACER statistics (public court documents) from 2016 as well as found that 95.5% of the 499,909 Chapter 7 personal bankruptcy cases decided that year were released, implying the person was not lawfully needed to pay the debt.
An additional personal bankruptcy option is to ask financial institutions to agree to a payment plan Lots of financial institutions will consent when personal bankruptcy is the only other alternative for the borrower. Our costs for pre-filing Chapter 7 insolvency services are just one of the lowest in the nation. If some mix of mortgage financial debt, charge card financial obligation, medical expenses and also trainee fundings has ruined you monetarily and you don't see that image altering, personal bankruptcy might be the very best answer.
Our knowledgeable group of personal bankruptcy lawyers provide tactical legal advice in order to help design the best debt administration plan. People could only file for bankruptcy under Chapter 13 if their financial obligations do not surpass a specific quantity. Yet dealing with a credit scores or financial obligation therapy firm has one benefit: No insolvency will certainly show up on your credit scores document.
Participating in a credit or financial obligation therapy company's financial debt management program is a bit like filing for Phase 13 insolvency. Bankruptcy carries some considerable lasting fines since it will continue to be on your credit rating report for 7-10 years, however there is an excellent mental as well as emotional lift when you're given a new beginning and all your financial debts are gotten rid of.
Though the business continues to run throughout insolvency procedures, a lot of the choices are made with permission from the courts. It's much better to seek other options before submitting Phase 7 or Chapter 13 personal bankruptcy due to the fact that bankruptcy could have such a terrible effect on your credit history score. Your properties will be sold by a court-appointed personal bankruptcy trustee.
Insolvency is a legal life line for individuals drowning in the red. Whether you're thinking about Chapter 7 bankruptcy, Phase 11 insolvency, or Chapter 13 bankruptcy, the recommendations of a knowledgeable bankruptcy legal representative is advised. Debtors ought to additionally be aware that out-of-court agreements with financial institutions or financial obligation therapy services could provide an option to a bankruptcy declaring.
Emergency Bankruptcy Attorney Kirtland NM - Call 877-541-9307 | finance |
https://blog.blingcap.com/2023/02/13/How-to-Size-a-Market/ | 2023-09-23T06:52:07 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506480.35/warc/CC-MAIN-20230923062631-20230923092631-00418.warc.gz | 0.937792 | 3,470 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__124686441 | en | Venture investors will often ask a founder the potential size of their startup. A core part of answering this question has to do with market size, commonly known as total addressable market (or “TAM”).
The post below will outline
- why venture investors care about TAM
- common mistakes founders make when sizing their market(s) including examples, and
- the Bling Capital approach
Our goal with market sizing is to understand how big your startup can get if things go well.
Venture Capital investors often ask themselves: Is this startup’s market sufficiently large to support a “venture scale” return?
To be considered “venture scale”, a lead investor’s equity in a startup (say 10% at the seed stage) has to have the potential to return their fund. Therefore, if a seed fund is $100M, an investor generally wants to see a path for any portfolio companies to become a $1B enterprise value company if things go well.
What happens if you’re seeking to raise venture capital, yet a venture investor believes your TAM is too small?
- If an investor believes this during your fundraising process (rightly or wrongly), they may pass with the reason being “not enough conviction on the market”.
- If discovered after investing that the market is indeed too small, they may influence founders to strategically focus on a venture scale outcome which will naturally be more challenging in a smaller market.
As a startup founder, putting together a clear and concise “back-of-envelope” market sizing that articulates a path to $100M and $500M, respectively, in gross profit will not only help avoid scenarios above but will also be helpful to driving business strategy and go to market approach. We use $100M and $500M as benchmarks for a “venture scale” business and “venture home run” business, respectively. The reason we favor gross profit over revenue for this exercise is because different markets and business models have varying gross margins, and gross profit better accounts for these differences.
Many market-sizing approaches result in numbers that may not resemble the reality of a startup’s current or even future potential market size. Below are four common mistakes we often see founders make when talking about market sizing, and we’ll outline each with relevant examples using two of our portfolio companies: Lyft (Marketplace) and Lucidchart (SaaS). These examples build on each other.
- Lyft is one of the leading ride share companies in the U.S. and is often evaluated as a marketplace.
- Lucidchart is a growth stage SaaS company for diagramming, data visualization and collaboration.
Why it doesn’t work: Too generic, often doesn’t display a deep understanding of the market for this specific product
|Example 1a: Lyft||Example 1b: LucidChart’s market|
|“Lyft’s market size (“TAM”) is equal to the total spend on taxis and limos in the United States.”||“The total spend on cloud tools is $X billion and Microsoft Vizio’s revenues are $Y millions, so our TAM is $x+$y.”|
|Better Approach: A bottoms-up approach that includes (1) the existing market (2) how Lyft’s approach (convenience, price, customer experience) would expand the current market (3) broader market trends (in this case, gig economy, proliferation of mobile devices) that would expand the current market.||Better Approach: A bottoms up approach that includes (1) your insight into the broader market trend (in this case, the # of SMEs in 2010 will 100x over the next 10 years), (2) your buyer persona, and (3) how Lucidchart is dramatically improving a free product with a product users are willing to pay for (SaaS model).|
Why it doesn’t work: Omits go to market (GTM) strategy
|Example 2a: Lyft||Example 2b: LucidChart’s market|
|“There are XX millions of people who can use Lyft. If they spend $Y on rides per year, then our TAM is $XY millions”.||“There are XX millions of people who could use LucidChart. If they pay us $Y per year, then our total addressable market is $XY millions.”|
|Better Approach: Segment your markets by city size and key characteristics:
||Better Approach: Segment your customers based on buyer persona. If the buyer is a company, you should segment the customer by company size:
Why it doesn’t work: Doesn’t illustrate your path toward more revenue ($10M, $100M, $500M) with reasonable market penetration (e.g., 1% vs 50%)
|Example 3a: Lyft||Example 3b: LucidChart’s market|
|“The TAM for Tier 1, Tier 2, and Tier 3 segments is $y. At 75% market penetration we will generate $xB in revenue.”||“The TAM for Enterprise+, Enterprise, and SME segments is $y. At 75% market penetration we will generate $xB in revenue.”|
|Better Approach: Articulate your launch city and reasonable penetration for that launch city. Use that “launch playbook” to articulate expansion to X additional cities that look like your launch city until you reach $100M and then $500M in revenue with reasonable penetration rates (e.g., 5% per city). The idea is to “tell the story” of how your market and business model will unfold over time. ||Better Approach: Articulate your ideal buyer and in which segments those buyers exist. Then, articulate reasonable penetration assumptions for those segments, and how you will expand over time until you reach $100M and $500M in revenue. The idea is to “tell the story” of how your market and business model will unfold over time (e.g., # SMEs 10x in 10 years). |
Why it doesn’t work: Top-line revenue or GMV leaves out the cost of delivering revenue and over inflates market size
|Example 4a: Lyft||Example 4b: LucidChart’s market|
|We need x Tier 1 cities with 2% market penetration each to hit $100M in GMV, and x Tier 1 cities and x Tier 2 cities with 1% market penetration to hit $500M in GMV.||We need x enterprise customers, and x SME customers paying us $y ACV, including one-time fees, with 10% market penetration to hit $100M in ARR. We expect ACV to 2x in 5 years and SMEs to 100x in 10 years so our market penetration in 10 years would be 0.1%.|
|Better Approach: Calculate Lyft’s take rate on the GMV as revenue—GMV alone doesn’t reflect the value the company is capturing. Then, subtract the cost of delivering that revenue to calculate Lyft’s gross profit.||Better Approach: Many SaaS business models do not incur a lot of COGS. However, there are some mistakes to correct such as not breaking out annual recurring revenue vs. one-time revenue in your ACV and not including costs such as payment processing, customer support, hosting, etc.|
At Bling Capital, we believe your market sizing and narrative are interconnected. The exercise we often go through with founders are as follows:
What do we need to believe for ‘Startup A’ to get to $100M and $500M, respectively, in gross profit?
- How many customers (segmented) will you have and how much will they be paying you (annually)?
- What is the margin on your revenue (ideally by customer segment )?
- What percentage of the market does that represent? (essentially market share)*
Using the examples above, let’s go through market sizing for Lucidchart.
What do we need to believe for Lucidchart to get to $100M and $500M in gross profit?
- We segmented buyers based on company size. We have three tiers of buyers:
a. Tier 1 (Enterprise+) = 1000+ employee companies
b. Tier 2 (Enterprise) = 100-1000 employee companies
c. Tier 3 (SME) = 1-100 employee companies
- Across all segments, there are 493K total companies in the US but we will focus on the 470K SME and Enterprise companies:
a. Tier 2: 75K companies (15%) are between 100-1000 employees
b. Tier 3: 395K companies (80%) are between 10-100 employees
- We have a SaaS freemium business model with 95% gross margins across segments. Our GTM is a product-led growth, with expansion driven by a sales organization.
a. Our goal average ACV for Tier 2 is $50K ($10K - $100K range), which is an average of 200 licenses per company per year ($250/year/license).
b. Our goal average ACV for Tier 3 is $5K ($100-$20K range), which is an average of 50 licenses per company per year ($100/year).
- Our immediate revenue opportunity with our current product is $5.6B and our path to $100M is clear: We need 2K Tier 2 customers paying us $50K per year (~2.6% of market), or 20K Tier 3 customers paying us $5K per year (~5% of market).
a. Tier 2: $3.7B TAM
b. Tier 3 $1.9B TAM
- Over time, as we launch more features (e.g., SSO), we will roll out to Tier 1 (Enterprise +) and implement playbooks to increase ACV across all segments. With just ~14% market penetration in this $9B TAM, we can reach $500M per year.
a. Tier 1: 23K * $150K = $3.4B (3.3K companies, or ~14%)
b. Tier 2: 75K * $50K = $3.7B (10K companies, or ~12.5%)
c. Tier 3: 395K * $5K = $1.9B (100K companies, or ~25%)
- As extra credit, further segmenting their customer tiers based on actual or projected data points (e.g., engineering, product, design, marketing teams are core users for Lucidchart) shows an even deeper understanding of your market.
When going through a market sizing exercise with entrepreneurs, we usually start with asking questions. These questions are meant to help founders segment their customers, understand and assess reasonableness of their own assumptions, and to sanity check whether the story makes sense – all of which will lead to inputs for building a venture scale business.
Let’s do this together: Create a Google Doc and answer the following questions:
- Who is the customer (or title of customer, or buyer), today AND tomorrow? These can be customers you serve today or, if you have not launched, customers you intend to serve.
- What are the segments in your market where this customer exists? Divide your market into segments and define them.
- How many of these customers exist per segment? What are the number of customers that are model customers in each segment? Does that change over time?
- What were they doing before?
- What is the hair on fire problem?
- What are they doing now?
- How is this 10x better?
- How do you get them to pay you?
- How much are they paying you / will they pay you? This should be your GMV, average order value (AOV), or average contract value (ACV) per customer per year.
- What is the cost of delivering that revenue? Does that change over time?
- What is the gross profit total for each segment? Does that change over time?
- How many customers do you need to get to $100M and $500M in gross profit, and what percentage of the market (per segment) does that represent?
- Then, show the path to do that (In one sentence, clearly summarize how big of a revenue opportunity we believe this to be for us in Year 1, 2, 3, 4, 5). How many customers in your market do you already have as customers or are currently talking to? How do you plan to get your first 10-100, 100-1000 customers (or 10x, 100x or 1000x your current customer base) at the current or future GMV, AOV, ACV?
With the answers to these questions, you should have inputs for your “business formula”, using our Market Sizing Template. We’re excited to see what you produce!
Market sizing helps you create a holistic and compelling narrative about your business, one that will resonate with investors and help you sharpen how you talk and think about your product evolution. Taking the time to deeply evaluate your market size with a solid methodology can be a key part of crafting a strong narrative.
Consider these questions when segmenting your markets for a location-based GTM strategy: Is it by city or metro area? What is the characteristic of cities in each segment? How many cities exist in each segment? How much market penetration do you think you can realistically achieve in every market? When do you consider a city “activated” or “unlocked”?What is the TAM per city? How many cities in each segment do we need to unlock in order to achieve $100M and $500M in gross profit?
Consider these questions when segmenting your customers for a subscription product: Do you sell top-down to businesses or through a bottoms-up product-led-growth (PLG) motion? Who is your ideal customer profile? Is it different from the buyer? At what size company does your buyer differ? What is the size of the company by number of employees? Can we organize these companies by segment? How many companies exist per segment? How much will they pay us and does it differ by segment? How will sales and marketing differ per segment? How much market penetration do you think you can realistically achieve in every logo per segment to achieve $100M and $500M in gross profit?
Consider these questions when thinking about location-based GTM expansion and penetration: Which tier(s) will you focus on first? What is the hypothetical cost to launch a model city in each tier? How long would it take to hypothetically payback a model city in each tier? What is the reasonable goal penetration per model city in each tier? How many cities in each tier do you need to achieve $100M and $500M in gross profit? How do you anticipate growth over the next few years? Is this a small or large percentage of the total market? Is there room for more than one winner?
Consider these questions when thinking about subscription GTM expansion and penetration: Which segment(s) will you focus on first? Will you be using a sales team and if so for which segments? How will sales and marketing channels differ per segment? What is the hypothetical cost to close a model logo in each segment? How long would it take to hypothetically payback a model logo in each segment? What is the goal penetration per model logo in each segment (e.g., x employees / seats per logo)? What is the path to achieving $100M and $500M in gross profit? How do you anticipate growth over the next few years towards these revenue goals? is this a small or large percentage of the total market? Is there room for more than one winner?
Consider these segmentations for subscription businesses: Segment customers into logo size segments of SME (<10 employees), Enterprise (11-1000 employees), and Enterprise + (1000+ employees). Then, each segment’s logos should be assigned an ACV based on some reasonable assumptions; calculate total ACV per segment type as $xy, with x being the number of companies in the segment. | finance |
http://kilcomchurch.org/contact-us/donate/ | 2022-08-20T06:22:41 | s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882573908.30/warc/CC-MAIN-20220820043108-20220820073108-00554.warc.gz | 0.84383 | 164 | CC-MAIN-2022-33 | webtext-fineweb__CC-MAIN-2022-33__0__37289424 | en | Kilkenny Community Church is a registered charity. Our charity number is: CHY 9811. If you wish to support us or our activities, we currently have two options for you to make a donation to us:
- By Electronic Fund (Bank) Transfer or
- Through our PayPal portal.
If you wish to make a bank transfer, our bank account details are as follows:
Account number: 87554838
Sort Code: 990636
- If you would like to transfer via PayPal, click on the button below and you will be taken to our PayPal portal where you can complete your donation. Thank you for your support! | finance |
https://couchsurfingcook.com/deferred-revenue-is-revenue-that-is-quizlet/ | 2021-09-27T09:38:20 | s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780058415.93/warc/CC-MAIN-20210927090448-20210927120448-00705.warc.gz | 0.945802 | 869 | CC-MAIN-2021-39 | webtext-fineweb__CC-MAIN-2021-39__0__259760427 | en | A Deferred Revenue : A liability recognized once cash is got prior to the business is offered or prior to the items are shipped to customers.
You are watching: Deferred revenue is revenue that is quizlet
A. Deferred profits are liabilities representing cash got for items not yet yielded or solutions to be percreated. Recognition of revenue occurs once the firm provides the good or business at which suggest the deferred revenue (liability) is diminished. These liabilities frequently are decreased in adjusting entries. For instance, a agency might prepare an adjusting enattempt to recognize rent revenue and also minimize unearned rent revenue.
B. Cash representing revenue that will certainly be earned later on is attributed to among the complying with accounts, which are ssuggest various names for the exact same account:1. Deferred revenue;2. Unearned revenue;3. Revenue got in development. C. Each of the over accounts is a liability. CPA exam concerns in this area ask the candiday to determine the finishing balances of two accounts:1. Revenue to be well-known in income for the period; and2. The amount of unearned revenue to be reported in the balance sheet.
D. Under the revenue recognition principle, revenue is not recognized unless it is (1) earned, and also (2) realizable. In the case of deferred revenue, the cash collection occurs before the income process is complete. Such revenue is widespread for firms that need partial or full payment before offering service. Examples include actual estate administration companies (unearned rent), publishing suppliers (magazine subscriptions) and also airline companies (flight liability).
E. A licapability is well-known upon receipt of cash. As the organization or great is provided, the liability is extinguimelted bereason the revenue is earned. In many situations, the contract need not be fully executed before some revenue is recognized. In these cases, the revenue is recognized based on the percentage of the total contract that has been offered.
Example:Duration Magazine Inc. collects subscriptions in advance from customers and also records deferred revenue. As magazines are spread over the subscription period, revenue is recognized. The beginning balance of deferred subscription revenue is $24,000. Throughout the year, $87,000 of cash is collected. At the end of the year, the firm calculates from subscription data that the subscription worth of magazines yet to be dispersed is $37,000. The adjusting entry to document revenue for the period is:Dr: Deferred Subscription Revenue 74,000 Cr:Subscription Revenue 74,000** $24,000 + $87,000 - $37,000 = $74,000
Example:Journal entriesA tenant pays a building administration firm $24,000 for 2 years" rent on August 1, 20x3 ($1,000 per month). The rental duration begins on that date and also the building management firm has a calendar fiscal year. Provide the journal entries for 20x3.Solution:Aug 1, 20x3 Dr:Cash 24,000 Cr:Unearned Rent 24,000Dec 31, 20x3 (adjusting journal entry)Dr:Unearned rent 5,000 Cr:Rent revenue 5,000$5,000 = $1,000 per month x 5 months August - December.The 20x3 earnings statement will reflect $5,000 of rent revenue. The finishing balance in unearned rent for 12/31/x3 is $19,000 ($24,000 - $5,000) of which $12,000 is a current liability (the percentage relating to 20x4), and also $7,000 is a nonpresent liability (the portion relating to 20x5).
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You might enrespond to situations in which firms need cash to be passist in breakthrough for some solutions, while for various other solutions the firm bills the customer after the company is provided. In this instance, both unearned revenue and accounts receivable must be analyzed to uncover the total revenue to be well-known for the period.
How are deferred revenues supposed to be earned more than one year from the balance sheet date classified? | finance |
https://www.southlondonnotaries.com/what-is-a-power-of-attorney/ | 2023-11-30T09:47:04 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100184.3/warc/CC-MAIN-20231130094531-20231130124531-00348.warc.gz | 0.961361 | 583 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__153521346 | en | What is a power of attorney?
A power of attorney (POA) is a legal tool that allows an individual to appoint a family member, close friend or other person (an attorney) to manage certain legal and administrative activities on their behalf.
There are a number of situations where a power of attorney may be an appropriate solution, for example, to manage a person’s affairs while they are recovering from surgery, or to undertake business dealings on their behalf while they are out of the country.
When setting up a power of attorney, the activities an attorney can undertake on an individual’s behalf can either be clearly defined, such as only being able to manage day-to-day finances, or left open to allow them to act in a wider variety of situations. A power of attorney is only valid as long as the person providing the authority has the mental capacity to oversee the activities being undertaken on their behalf.
There is also another type of power of attorney, a lasting power of attorney (LPA), which allows someone to act on a person’s behalf if they no longer have the mental capacity to manage their affairs.
The different power of attornies
What’s the difference between a power of attorney and a lasting power of attorney?
A lasting power of attorney is most appropriate for situations where the individual believes that they will lose their mental capacity at some point in the future, for example, through illness.
The key difference between this and the standard power of attorney is that it ‘lasts’ beyond the loss of mental capacity, whereas a POA ceases to be valid once the individual is unable to make their own decisions.
A lasting power of attorney is available to cover an individual’s health and wellbeing, their finances and property, or both. A lasting power of attorney that covers an individual’s health can only be used once the individual has lost their mental capacity, whereas one designed to cover their finances and property can be used immediately after it has been registered, subject to the individual’s agreement.
If an individual has already lost the ability to make his or her own decisions, it’s not possible to set up a lasting power of attorney. Instead, the individual’s family will need to apply to the Court of Protection to become their deputies.
How can a notary help establish a power of attorney?
A notary public is skilled in drafting and certifying the documents required to establish a power of attorney, including lasting powers of attorney.
At South London Notaries, we are experienced in the creation of power of attorney documentation for use in England, Wales and abroad. Get in touch with South London Notaries now to find out more about how a power of attorney could be of benefit to you, or to start the process of establishing a power of attorney. | finance |
http://hustedia.com/sections/protecting-your-privacy-and-identity/ | 2013-05-25T13:49:45 | s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368705955434/warc/CC-MAIN-20130516120555-00083-ip-10-60-113-184.ec2.internal.warc.gz | 0.959158 | 1,696 | CC-MAIN-2013-20 | webtext-fineweb__CC-MAIN-2013-20__0__39884982 | en | When you discuss Identity Theft and protecting your privacy, most people think of credit card fraud, and perhaps check fraud. But protecting your identity in today’s world is much, much broader in scope which requires a bit more vigilance than it did just three to five years ago. Today, you not only have to protect yourself from financial crimes, but you also need to protect your identity in terms of your reputation and persona. Having your identity stolen and used improperly on a social network can be just as detrimental as having your credit card number stolen. You could be turned down for a job, college admission or apartment due to someone who has used your identity on a social networking site and posted obscene or illegal content. However, it’s just as bad if you personally post objectionable material on your social networking pages that will reflect poorly on you to individuals reviewing your applications and inquiries. This is why I am offering up this guide as an outline of tools and tips to help protect you out there. If there is one rule of advice I hope you take from this, it is that you can’t be paralyzed by fear and believe you are protecting yourself by avoiding social networks, online commerce, or other activities. Regardless of your participation in such activities, you are still vulnerable to having fraud committed in these realms and delivery channels. The most important advice I can give you is this, be responsible for yourself and take common sense precautions which I will outlined below in my 2 Rules to Identity Protection.
If you don’t review your banking and credit card transactions regularly, you are helping an identity thief commit fraud against you. In my day job, I find it remarkable how many phone calls I take from people who are inquiring about a Bill Payment transaction they sent three, four, or even six months ago. Did you not notice the money coming out of your account before now? If you don’t take a more active role in protecting your own identity, what makes you think others will?
Not only must you review your statements, you should create an online account with your financial institution(s) in which you can track your transactions periodically throughout the month. Better still, use a financial software application such as Quicken in which you can setup regular online connections to your bank, credit union (best bet), credit cards, and other financial accounts. I use Quicken religiously, probably three to five times a week to update all my financial transactions ranging from checking to credit cards to loans and investments. I can see all of my account transactions and if anything out of the ordinary appears, I know it as the earliest time and can contact the appropriate institution or merchant to inquire or file a dispute against the transaction. I also scan all my receipts and important documents relating to transactions into Quicken. Quicken attaches these images to the relevant transaction so you don’t have to go looking for the receipt in that shoe box at the bottom of your closet!
At the absolute very least, you should pull your personal Credit Report every six months. This way you can see if any fraudulent accounts have been opened in your name. It is also provides you with the benefit of looking over your information that is contained in your credit report for accuracy. Credit Bureaus have to correct any incorrect information that you find in your credit report. The more information you have available and at your disposable to make your claim, the better. You should pull reports from all three of the major reporting agencies. The contact information for these agencies are available on the Darkcyte Resources page.
Another item I would like to mention under Rule #1 is that of credit monitoring services. This is a controversial subject in which many people are polarized on. Some believe the monitoring services are a rip-off while others believe they provide a valuable service to the consumer. I am not going to review monitoring services here, but please do know that not all services are created equal! Many of the ‘free’ credit report sites require you to sign up for their credit monitoring services. All the major credit reporting agencies must provide you with a free credit report annually, without any strings attached. So do not fall for any services you do not wish to try or pay for. Personally, I do subscribe to a service through American Express. I’ve been using this service for close to a decade and costs about $20 per month to monitor both myself and my wife. We are provided not only with alerts for any changes to our credit profiles on all three major credit reporting bureaus, but we can also pull all three reports at any time, as often as we like. I take comfort in receiving my monthly email from them informing me that no new information has been reported to my file. For me, it’s well worth the $20 a month, but you will have to decide for yourself whether it’s a value to you or not.
One last comment on this subject in regards to monitoring services. I’m sure you’ve seen the commercials for services such as LifeLock which guarantee your identity and offer “Identity Theft Insurance” protection if you become a victim of Identity Theft while using their services. Again, I am not going to review individual services here, but you want to do your homework on these companies and make sure they are doing everything they are promising they are doing. Often, you can do these things on your own for little or no cost. However, it isn’t always convenient to do so and you also have to remember to renew some items on a periodic basis to maintain the protection. Such is the case with putting a fraud alert on your credit files. It may be easier to pay a service to keep this protection in place along with their other services.
There are warning signs to be alert for that may tip you off that you are on the verge of becoming a victim of Identity Theft, or that you already are one.
There are numerous activities you can perform to help prevent you from becoming an identity theft victim.
If you believe you are a victim, follow these steps:
Step 1: Contact the credit bureaus - Contact the fraud departments at each bureau. Explain that you are a victim of identity theft and that you would like to be contacted personally before any credit is issued in your name. Again, the contact information for the three major credit reporting agencies is available here on the Darkcyte Resources page.
Step 2: Obtain a copy of your credit report - If you have a monitoring service which provides you with free reports, do so immediately. If not, order your credit report from each agency to check for accounts that may have been fraudulently opened in your name. If you are a victim of identity theft, or even potentially a victim, you are entitled to a free copy of your credit report from each of the bureaus. It is important that you get a copy from each of the bureaus because they are not always identical.
Step 3: Contact your local authorities & file a police report - You will always be taken more seriously by financial institutions and companies when you have a copy of a police report.
Step 4: Contact your Postmaster - You will want to file an official report with your post office if you believe your mail is vulnerable to theft. If you believe you were a victim due to the theft of your mail, make an official report to your local Postmaster.
Step 5: Contact the Social Security Administration and your DMV - If you believe your Social Security number has been compromised, you will want to contact the Social Security Administration and speak to someone about potentially having your Social Security Number changed. You will want to do the same at your local Department of Motor Vehicles if you believe your driver’s license number has been compromised.
Step 6: Contact the financial institutions and companies that granted credit in your name - Call the financial institution or issuing company to obtain the name of the individual, title, and mailing address for whom you should speak in regards to fraudulent activities. Although it is fine to speak to them ahead of time, make sure you communicate with them in writing so that you can maintain verifiable records. I suggest sending items via certified letters or at least via FedEx or UPS so that you have a record of the mailing. Get ALL promises of action in writing, insist upon it. | finance |
https://www.darwinldv.com.au/finance/ | 2024-02-27T15:48:21 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474676.79/warc/CC-MAIN-20240227153053-20240227183053-00637.warc.gz | 0.87848 | 378 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__111978233 | en | Darwin LDV Finance
Welcome to the Finance Department at Darwin LDV. Here you can use our online form to get a quick and accurate response on financing your next vehicle.
Our Finance Services Include:
- Corporate Lending
- Novated Leases
- Consumer Lending
- Extended Warranties Available
- Motor Vehicle Insurance
- Boat Insurance
- Motorbike Insurance
- Loan Payment Protection
- Tyre and Rim Insurance
Our business managers have a great knowledge of all the above products and are always available to attend to your business and personal finance needs.
ONE Phone Call or email
for your entire financing needs
SEND AN ENQUIRY NOW TO THE TEAM AT [email protected]
OR PHONE US ON (08) 8946 4770,
Why Use Darwin Motor Group Finance & Insurance?
Darwin Motor Group provides loans and insurance with term options ranging from 12 months to 7 years and allows repayments to be tailored to individual requirements.
Some of the benefits include:
- Fast finance.
- Competitive rates so you don't pay more than you have to with flexible terms to fit your budget.
- Easy to deal with when making your purchase decision means less delays and easier paperwork.
- Professional staff with excellent knowledge of the available products to suit your requirements
- Flexible deposits mean an affordable initial outlay.
- The monthly repayment is calculated using fixed interest rate.
- We also have access to many major lenders and insurance companies. This enables us to tailor a competitive finance package specifically for you.
- Finance Problems? Our team can work with you to help you overcome previous finance problems.
Darwin LDV - Sales
364 Stuart Highway,Winnellie, DarwinNT0820
Phone: (08) 8946 4444 | finance |
https://www.campquestcolorado.org/registration-guide | 2019-12-15T19:39:55 | s3://commoncrawl/crawl-data/CC-MAIN-2019-51/segments/1575541309137.92/warc/CC-MAIN-20191215173718-20191215201718-00158.warc.gz | 0.959323 | 168 | CC-MAIN-2019-51 | webtext-fineweb__CC-MAIN-2019-51__0__140474864 | en | Registering for Camp is a snap!
The price of camp is now $650. We've left behind our tiered payment system and moved to this fixed price because we want to ensure our sustainability. We maintain a strong interest in keeping camp accessible to as many campers as possible! If you have any questions about where the money for camp goes, please click on the "Contact" link at the top of the screen.
The card you enter in the link below will be charged a $75 deposit on June 1st (if you register prior to that date) with the remaining $575 charged on July 1st. If you register after June 1st, you will be charged the entirety of the $650 on July 1st.
Click the link to begin!!! The Cal-Wood website will appear in a new window: | finance |
https://www.chrisdouthit.com/ | 2024-04-23T02:11:22 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818452.78/warc/CC-MAIN-20240423002028-20240423032028-00023.warc.gz | 0.939324 | 350 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__61974655 | en | NO.1 Option Strategies Course on the Internet
For the first time ever I'm giving away my highly rated beginnings options course showing exactly how I profit consistently in the market.
EXTRA BONUS - Free Risk Reversal Book Included!
Hi, I'm Chris Douthit, industry leading stock and option strategist. To make the best returns in today’s market, you have to learn the trade options. Implementing one simple options strategy into a portfolio allows for higher returns while hedging against potential pullbacks.
How options work and how money is made. Our goal is to continuously beat the market by understanding the strategies that produce a high probability of success.
It’s important to know what is at risk and probability of all aspects of the trade, including how to adjust when necessary.
Our trading style has a high success rate and does not require constant attention so you can spend the bulk of your time doing what you love.
Combining option strategies together for advanced positions that reduce risk and increase probability of success.
I have been on a mission to learn options, it started a few years ago when I bought a book off Amazon, but soon found it to be too confusing to continue. Then about six months ago I watched one of your competitors’ courses and it wasn’t much better, it was just a lot of talk and words on the screen. I then somehow found Option Strategies Insider, and am I glad I did. You did an excellent job of taking a complicated topic and making it easy for anyone to understand. Amazing presentation, I am so glad I found your site.
© Copyright ChrisDouthit.com. All Rights Reserved. | finance |
https://www.shelaughswithoutfear.com/blog/money-making-mom | 2024-02-24T12:28:35 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474533.12/warc/CC-MAIN-20240224112548-20240224142548-00432.warc.gz | 0.983274 | 426 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__34082119 | en | I don't normally read a lot of books like Money Making Mom i.e. books about frugal living and making money for your family (although I do read my fair share of deal blogs). However, I've been following Money Saving Mom for years, which is run by the same woman that wrote Money Saving Mom, Crystal Paine. So when Money Making Mom became available on Book Look Bloggers, I jumped at the chance to read it.
I don't know what I was expecting from this book: maybe ideas on how to create an income for a family, money making tips, how to grow a blog. What I found was even better. Crystal does go into details about how to make extra income for your family, and she gives ideas for businesses or things that you can do to make additional money. But that's not exactly the heart of her book.
The heart of Crystal's book is how to live intentionally with your finances and in thinking through ways to make additional income. She asks questions like: what are you passionate about, why do you want to make additional income, and how can you bloom where you're planted?
I didn't read this book with the mindset of wanting to make an additional income, but I gained so much from it. I especially appreciated the chapters that Crystal focused on giving and how our finances are a blessing that allows us to bless others. I was deeply challenged and encouraged by the stories to share to think through how I could bless even more people with the income that God has provided for me.
What makes this book even better is Crystal's honest stories from her own life and the lives of others as well. She shares her own struggles and failures, but she also shares encouraging stories about women and men that have used their finances to impact the lives of many.
I highly recommend this book for moms that are thinking through ways to make an additional income, but also for those that just want a read to help them think through what they're passionate about and how to live their life intentionally.
Copyright © 2014 - 2023
She Laughs Without Fear | finance |
https://bettertruckdrivingjobs.com/infrastructure-improvements/ | 2024-04-12T14:04:26 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816024.45/warc/CC-MAIN-20240412132154-20240412162154-00494.warc.gz | 0.964862 | 1,455 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__193871711 | en | Even in countries as prosperous as the United States, over 47,000 bridges across the nation were found to be structurally deficient, based on a report from the American Road and Transportation Builders Association. The current pace of our repairs will need an amping up, or the estimation for repairing them will take over 80 years before we have serviced all of them. Some of the notable bridges on this list include:
The infrastructure problem plaguing the United States has many people worried, and Connecticut Governor Ned Lamont has snapped into immediate action to try to address the issue. Lamont, Senator Carlo Leone and Representative Roland Lemar have all drawn up an updated version of their transportation infrastructure investment proposal. Connecticut’s problem with their bridges comes from the increased traffic on the bridges. For example, they originally designed Interstate 84 as a location for 50,000 vehicles every day.
That number shot through the roof at 200,000 vehicles driving over the bridges. One of the problems comes from how train travel within the United States has fallen into disrepair, and we see a much slower rate of travel in this way than what we saw during the 1970s.
Addressing the Problem
It’s estimated that construction companies built 235,000 bridges across the United States. With 47,000 rated as structurally deficient, that makes up an estimated 38 percent of all bridges. This means infrastructure funding for the bridges will need to do structural repairs, replacement or rehabilitation. The five states with the worst problem for structurally deficient bridges include:
- Rhode Island – 23%
- West Virginia – 19.8%
- Iowa – 19.3%
- South Dakota – 16.7%
- Pennsylvania – 16.5%
Most people agree that more infrastructure funding needs to be raised because of how our infrastructure has begun to fail us. Snapping into action while minimizing the taxpayer burden has become the primary approach. As much as possible, we want to repair the damaged bridges while keeping the taxes as low as possible while doing it.
How to Lower the Cost
One of the ways that we could lower the cost of repairing these bridges could come through “P3s” (Public-private partnerships). In fact, in Connecticut, one proposal has received bipartisan support for rebuilding our transportation infrastructure. At the same time, the advantage of this comes from how it attracts private investments through public-private partnerships. Public-private partnerships have turned popular all across the globe because of how it delivers transportation projects at a much lower cost to the American taxpayer.
At the same time, the service has been improved, and we see superior construction, operation, and design. By moving the accountability over into the private sector, they have lowered the cost, and they will get access to it much quicker.
The United States government, unfortunately, has a poor track record when it comes to major projects. One example of this comes from the “Big Dig” of Boston. This became the most expensive road project in American history, costing $24.3 billion
Through the P3 system, we can get ahead of the problem. In Pennsylvania, for example, they are using the P3s as a way of saving the American taxpayer up to $200 million. The project will also reach its deadline after a five-year period, which puts them 15 years ahead of schedule for bridge repairs.
The Critics of P3s
Despite the positive, we should also highlight the negatives of the P3s. For example, some critics of the P3s say that corruption could become a real risk of these projects. It could disadvantage the American taxpayer, eventually. One of the ways that they plan to address the corruption issue comes from using a highly transparent bidding process and responsive audits and inspections. Another problem comes from how it could be the jobs of state employees at risk if they choose to replace them with P3s. Some of these fears could be unfounded, however, because some people believe that the workload for state employees could even skyrocket because of the P3s. That’d be because they’d have more work projects that they would have to complete.
Flooding: Damages to the Infrastructure
Damage to the bridges often comes from flooding that causes road erosion. Keeping floods from overcoming our bridges is next to impossible considering how mother nature plays a huge role in this. However, one of the ways that we can combat road erosion comes from strengthening the bridges to prepare for flooding. For example, using materials like carbon fiber could help to make the bridges stronger.
Rural Bridges the Biggest Problem
If we were to look at the specific problem where it stands, rural bridges are where the most significant challenge lies in the structurally deficient bridges. Many of the states like Iowa and South Dakota are rural locations, which have the biggest problem with their bridges. Thousands of bridges have issues in these parts due to a lack of funding. We need to do our best to address this problem as quickly as possible. Doing a better job at diagnosing the problem right from the get-go could also help with taking care of these bridge problems. An estimate of 69,000 bridges across the nation have a “posted for load” sign on it. They have put these signs up as a way of lowering the amount of stress on these bridges. However, no one is saying that load testing will provide us with a complete solution.
What States Have the Best Bridge Quality?
Now that we have mentioned the top five states with the worst bridge infrastructure, why not look at the top five states with the best bridge quality? The states with the best bridge infrastructure include:
Aggressively Grow and Protect American Bridges
ARTBA has set a goal to aggressively grow and protect the infrastructure funding so that it remains in good condition for years to come. To repair all the bridges across the nation, experts estimate that it will cost around $171 billion. These are the bridges that have currently been defined as deficient. Luckily, when it comes to the American infrastructure, Donald Trump and the Democratic party both agree that American infrastructure needs to be improved. In particular, keeping the bridges in working condition could have a positive impact over the long term. The problem has become so dire that some American candidates have even focused on improving the infrastructure. For example, Minnesotan Democratic candidate Amy Klobuchar made this the focus of her campaign.
The US government doesn’t have a magical way that they can pay for the funding of the American bridges. The structurally deficient bridges will need someone to pay for them. Unfortunately, the funding has been woefully lacking in this area. However, both Democrats and Republicans have joined hands in an effort to handle the problems with the bridges. One of the ways that they could pay for the crumbling US infrastructure could come from another gas tax. The U.S. Chamber of Commerce has requested to increase the gas tax by $0.25 per gallon. This will help to fund some of the infrastructure projects within the United States so that we can have better roads. | finance |
https://www.naudasskola.lv/en/about-visitors-centre | 2020-09-23T08:48:36 | s3://commoncrawl/crawl-data/CC-MAIN-2020-40/segments/1600400210616.36/warc/CC-MAIN-20200923081833-20200923111833-00133.warc.gz | 0.977043 | 168 | CC-MAIN-2020-40 | webtext-fineweb__CC-MAIN-2020-40__0__107442698 | en | The objective of the "Money World" is to raise public awareness of the ways money is circulated and of its importance in the economy. We would like to encourage visitors to recognise their own role in the never-ending money flows, use them and reasonably conquer them by making them work in the interests of people.
The display has been created for visitors having certain preliminary knowledge at least at the primary school level. However, its content is easy to grasp and of use for a person of any age who uses money and is interested in its ways of influence.
Information is provided in Latvian, Russian and English, thus the "Money World" can be fully appreciated by both inhabitants of Latvia and foreign guests.
The building of Latvijas Banka and the premises of the display are accessible also to persons with reduced mobility. | finance |
https://www.metro.us/smart-cards-take-another-step-forward/ | 2020-07-05T08:19:36 | s3://commoncrawl/crawl-data/CC-MAIN-2020-29/segments/1593655887046.62/warc/CC-MAIN-20200705055259-20200705085259-00030.warc.gz | 0.936965 | 528 | CC-MAIN-2020-29 | webtext-fineweb__CC-MAIN-2020-29__0__67120038 | en | ETS’ transit smart card project — code named “ETSBlue” — just took
another step forward, with a business case report being sped back to
committee before budget season.
I can’t help but be excited, and not just because I’m an insufferable transit fanboy with a smart card collection that includes San Francisco’s TransLink, London’s Oyster, and Tokyo’s Suica and Pasmo.
For those unfamiliar with the concept, tapping the fare card against readers on buses and at stations takes care of free transfers, monthly passes, and cash payments to different transit agencies.
There are usually perks to entice people to use the cards since the transit agency benefits from reduced fare collection costs and valuable trip data for planning schedules.
Perks can include maximum daily fares — never being charged more than the price of a day pass — and discounts from cash and ticket prices.
Currently, 20 per cent of ETS fares are paid with cash. While the cash option is important, it can really slow buses down.
Pilot project surveys suggest that seniors and others with limited mobility find it easier to pay by smart card. However, the system needs to be designed so Edmontonians living paycheque to paycheque won’t be left out.
Those privileged enough to have both a credit card and Internet access can benefit from automatic subscriptions, making the monthly pass-buying routine a thing of the past.
But for those without much more than a few dollars at a time, a network of vending machines and retail outlets rivalling those currently in place for tickets and passes will be a must.
The necessary infrastructure isn’t free: In addition to vending machines and card distribution, every bus will need a card reader — two if the city wants to allow back-door boarding.
The cost is estimated at $24 million over four years, but it should pay for itself in another nine.
The savings include reducing fare evasion and handling costs — an agency the size of ETS needs to deal with millions of paper transfers and hundreds of tonnes of coins in a year, for example.
While deciding whether a ride is worth the cash or tickets is a big turnoff for transit, I actually have the opposite problem with smart cards: The stupid things make paying for transit so easy and convenient that I almost forget I’m spending money.
But since this just means increased ridership for the system, I’m willing to concede that’s a pretty good problem to have. | finance |
https://theagsnews.com/2023/04/24/nbs-petrol-price-up-by-42-63-per-litre-in-one-year/ | 2023-11-29T21:43:37 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100146.5/warc/CC-MAIN-20231129204528-20231129234528-00233.warc.gz | 0.96571 | 450 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__299224712 | en | National Bureau of Statistics (NBS) has released its Petrol Price Watch report for March 2023, indicating that the average retail price of petrol per litre has risen to N264.29 from N185.30 in March 2022. This represents a 42.63% increase in petrol prices year-on-year. On a month-on-month basis, the average price increased by 0.20% from N263.76 in February 2023.
Imo state had the highest average retail price of petrol per litre at N332.67, followed by Taraba at N330.00 and Borno at N324.55. Benue had the lowest average retail price of N195.00, followed by Plateau at N196.79 and Nasarawa at N197.50.
The NBS also released its Diesel Price Watch report for March 2023, showing that the average retail price of diesel increased by 55.90% year-on-year. The price rose from N539.32 per litre recorded in March 2022 to N836.81 per litre in March 2023. On a month-on-month basis, the average price increased by 0.47% from N836.91 per litre recorded in February 2023.
Bauchi had the highest average diesel price at N910.46 per litre, followed by Abuja at N889.44 and Adamawa at N880.33 per litre. Bayelsa had the lowest average price at N768.04 per litre, followed by Katsina at N779.78 per litre and Edo at N797.14 per litre.
The analysis by zone revealed that the South-East had the highest petrol price at N306.00 per litre, while the North-Central recorded the lowest at N205.10 per litre.
The North East had the highest diesel price at N856.42 per litre, while the South-South had the lowest at N816.92 per litre. The report indicates that the prices of petrol and diesel continue to rise, putting pressure on Nigerians, particularly those with low incomes. | finance |
https://www.ascentsolar.it/ir-corporate-governance-ethics.html | 2022-10-01T18:36:51 | s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030336880.89/warc/CC-MAIN-20221001163826-20221001193826-00740.warc.gz | 0.928283 | 471 | CC-MAIN-2022-40 | webtext-fineweb__CC-MAIN-2022-40__0__13958202 | en | Principles Governing Professional and Ethical Conduct
It is the policy of Ascent Solar Technologies, Inc. (the “Company”) that the Company’s Chief Executive Officer, Chief Financial Officer and other senior finance and accounting staff with responsibility for maintaining accounting records, preparing financial statements, preparing and filing reports with the Securities Exchange Commission (“SEC”) and making other public communications regarding the Company adhere to, advocate and promote the following principles:
The persons subject to this Code are required to acknowledge and agree to the foregoing and deliver a copy of such acknowledgement to the Company’s Audit Committee. The Corporate Secretary will maintain this acknowledgement with the Company’s corporate records.
Reporting and Treatment of Violations
Persons who become aware of suspected violations of this Code should report such suspected violations promptly to the Audit Committee, who will forward such report to the Company’s Board of Directors. To assist in the response to or investigation of the alleged violation, the report should contain as much specific information as possible to allow for proper assessment of the nature, extent and urgency of the alleged violation. Without limiting the foregoing, the report should, to the extent possible, contain the following information:
The Audit Committee shall have the power to monitor, investigate, make determinations and recommend action to the Board of Directors with respect to violations of this Code. In determining whether a violation of this Code has occurred, the Audit Committee may take into account:
Consequences of Violations
If a violation is substantiated, the Board of Directors, upon the recommendation of the Audit Committee, may impose such sanctions or take such actions as it deems appropriate, including, but not limited to, the following:
Requests for Waivers and Changes in Code
A waiver of a provision of this Code shall be requested whenever there is reasonable likelihood that a contemplated action will violate the Code. Any waiver (including an implicit waiver) that constitutes a material departure from a provision of this Code shall be publicly disclosed on a timely basis, to the extent required by applicable rules and regulations of the SEC. In addition, any amendments to this Code (other than technical, administrative or other non-substantive amendments) shall be publicly disclosed on a timely basis, to the extent required by applicable rules and regulations of the SEC. | finance |
https://gbebrokers.com/platforms/download-metatrader4-mt4-windows/ | 2021-04-16T23:46:17 | s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618038092961.47/warc/CC-MAIN-20210416221552-20210417011552-00018.warc.gz | 0.88437 | 186 | CC-MAIN-2021-17 | webtext-fineweb__CC-MAIN-2021-17__0__187419889 | en | Trade with GBE brokers
Trading FX and CFDs is risky. Retail Clients are covered with negative balance protection.
MetaTrader 4 for Windows
We have improved MetaTrader 4 and expanded its functions significantly. Not only does the new version from GBE brokers work much faster, it has direct access to the interbank market. This enables orders to be placed in real time, i.e. with minimum latency, without external applications for data comparison and without automatic account synchronization.
MetaTrader 4 (MT4) from the software expert MetaQuotes is the most popular software for currency trading worldwide. MT4 combines a user-friendly interface with powerful functions and tools. The software has efficient and extensive analytical tools and indicators for technical chart analyses of exchange rate trajectories. MT4 offers the option of a simple programming language (MQL4 – MetaQuotes Language) to develop and apply automated trading programs. | finance |
https://foodstamps-program.com/looking-for-more-assistance-consider-these-other-assistance-programs-3/ | 2023-12-05T11:43:48 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100551.17/warc/CC-MAIN-20231205105136-20231205135136-00434.warc.gz | 0.937048 | 557 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__140564905 | en | We now turn our attention to Supplemental Security Income (SSI), a lifeline for some of the most vulnerable members of our society. SSI is a federal program that provides financial assistance to individuals with limited income and resources, particularly those who are elderly, disabled, or blind. Let’s delve into what SSI is, why it’s significant, how to qualify, and the benefits it offers.
What is SSI?
Supplemental Security Income (SSI) is a federal assistance program administered by the Social Security Administration (SSA). It is designed to provide financial support to individuals who have limited income and resources and meet specific disability or age criteria. SSI aims to ensure that these individuals have the means to meet their basic needs, such as food, shelter, and clothing.
The Significance of SSI
SSI plays a critical role in addressing the financial challenges faced by vulnerable individuals in our society. It provides a safety net for those who are unable to work due to age, disability, or blindness, ensuring they have access to the essentials required for a dignified life. Without SSI, many recipients would struggle to afford even the most basic necessities.
To qualify for SSI, individuals must meet specific criteria related to income, resources, and disability or age. Income and resource limits can vary by state, so it’s essential to check your local regulations. Generally, eligible recipients include:
- Individuals who are aged 65 or older.
- Blind individuals.
- Disabled individuals of any age who are unable to engage in substantial gainful activity (SGA).
SSI considers various factors when determining eligibility, including household income, assets, and living arrangements. Applicants must also be U.S. citizens or eligible non-citizens.
The application process for SSI involves contacting your local Social Security office or applying online through the SSA’s website. Be prepared to provide detailed information about your financial situation, medical conditions, and living arrangements. The SSA will evaluate your application to determine eligibility and the amount of assistance you may receive.
Benefits of SSI
SSI provides a monthly cash benefit to eligible recipients, helping them cover essential expenses such as housing, food, and clothing. In addition to the financial support, SSI recipients may also qualify for Medicaid, which can help cover healthcare costs. This comprehensive assistance package aims to improve the quality of life and well-being of vulnerable individuals.
Supplemental Security Income (SSI) stands as a vital program that ensures financial support for those who need it most. By providing assistance to elderly, disabled, and blind individuals with limited income and resources, SSI helps them maintain their independence and dignity.
By Admin – | finance |
http://arweb.sdsu.edu/es/registrar/feepayment.html | 2017-04-28T11:57:09 | s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917122955.76/warc/CC-MAIN-20170423031202-00360-ip-10-145-167-34.ec2.internal.warc.gz | 0.930272 | 1,460 | CC-MAIN-2017-17 | webtext-fineweb__CC-MAIN-2017-17__0__2166341 | en | FEE PAYMENT OPTIONS
- Electronic Check (ACH)
- Credit Card
- Financial Aid Deferment
- Registration Fee
- Third Party Billing/Approved
- CSU Fee Waivers
Check your "My Registration Info" for your specific payment due date. Your payment MUST be made prior to your registration date; otherwise you will not be able to register on time.
You may pay your registration fees, out-of-state or foreign tuition, and other charges using the ACH payment option. This is just like writing a check, but you will make the payment online. There is no additional charge for this option.
Students are able to use MasterCard, American Express, and Discover Card only through the online service of CashNetT SmartPay, SDSU's secure third-party vendor. The University Cashiers Office does not accept credit cards for payment of registration fees or tuition (foreign or out-of-state), except as applicable under the terms of the Installment Plan. Therefore credit card payments can only be made online.
You can access CashNetT SmartPay to pay registration fees via the WebPortal. Payments made via CashNetT SmartPay are received by the University Cashiers Office no later than the next business day, so the registration process is not delayed. CashNetT SmartPay assesses each customer a service charge based on the transaction amount. See the Web site for more details.
MasterCard, VISA, American Express and Discover Card charge cards are accepted for other payments, such as Housing, Parking, Health Service, Continuing Education, and miscellaneous over-the-counter payments. Students are reminded that banks will provide cash advances against credit cards if needed to cover registration payments. Most ATM cards are also accepted for payment of miscellaneous charges.
Fees may be paid in full by personal check, money order, or certified funds. Checks should be made payable to SDSU. In order to have fees processed on time, print the fee payment coupon found in the SDSU WebPortal and submit it (via mail or Cashiers drop box) with your payment prior to your registration fee payment deadline. Your fee payment deadline is located in your "My Registration Info" in your portal account.
Checks are accepted for the exact amount of the payment. Overpayments of $5.00 or less are refunded only upon request. If your check for registration fees or tuition is returned by the bank to the University Collections Office for any reason, your registration may be cancelled and you will be billed a $35.00 dishonored payment charge and a $20 late fee.
The university reserves the right to refuse payments by personal check from those individuals who have previously had items returned unpaid by their bank. Refunds may be applied against other amounts due the university.
The "My Registration Info" online service will tell you if you are eligible to postpone payment of your registration fee (and tuition, if applicable). Postponing payment of your registration fee will be automatic - you do not need to submit any forms. Your registration fee will be deducted from the first disbursement of your financial aid at the beginning of the semester.
You can also check your eligibility to postpone fee payment by logging on to www.sdsu.edu/financialaid and selecting AidLink. If your financial aid award is reduced or becomes unavailable FOR ANY REASON, you must pay your fees IN FULL by the census date.
If you are NOT eligible to postpone the payment of your fees, DO NOT WAIT until your registration access date to find out you cannot register.
Registration fees due for the semester may be paid in installments. There is a nonrefundable service charge for the Registration Fees Installment Plan; the service charge is paid prior to registration, along with an initial payment. Parking fees and other miscellaneous fees may not be paid in installments.
How do I sign up for the Registration Fee Installment Plan?
A Registration Fee Installment Plan Contract can be printed from "My Registration Info." Read the contract and related information carefully. The Registration Fee Installment Plan is essentially a loan, and it is important that you understand the terms of the contract.
Complete all sections of the contract (incomplete information will delay processing and may delay access to registration). Amounts due for registration fees will be adjusted based on the units in which you actually enroll.
Sign and date the contract, and return the contract to SDSU Cashiers Office, with a check in the appropriate amount made payable to San Diego State University, prior to your fee payment deadline.
See the current Class Schedule for current Installment Plan fees.
*A separate installment plan is available for the payment of nonresident (out of state and foreign) tuition. Students who wish to pay their tuition in installments should contact the University Cashiers Office at (619) 594-5253 or [email protected]. Service charges equal to 15% of each installment payment are assessed. Students can avoid the service charges by paying their tuition in full prior to the first day of classes.
If an outside agency (agency, government program, Employee Fee Waiver, etc.) is paying all or part of your registration fee, you will need to print your fee payment coupon from "My Registration Info" and return it and a copy of your authorization letter to the University Cashiers Office. Failure to do so will result in your fees being deducted from your financial aid award. Students submitting authorization to bill a third party for their fees will be held responsible for the payment if the third party agency fails to pay the fees within the semester of attendance.
Vocational Rehabilitation (Chapter 31) and Eligible Dependents of Deceased or Disabled Veterans
Veterans receiving vocational rehabilitation benefits (Chapter 31), and eligible dependents receiving the Cal Vet Fee Waiver, must obtain their fee waiver authorization at the Veterans Office in the Office of the Registrar (SS-1641) and submit it to the University Cashiers Office along with all applicable fees on or prior to their fee payment deadline.
Over 60 Fee Waiver Program
San Diego State University offers a fee waiver program for California residents 60 years of age or older. Both undergraduate and postbaccalaureate students may participate in the program. The program waives the $55 admission application fee and regular registration fees (except for a nominal $13 fee per semester). Participants must apply for admission during the regular application filing period and be admitted under regular SDSU admission requirements. Participants register for classes on a space-available basis after regularly matriculated students have completed registration. For additional information, contact the Prospective Student Center.
Alan Pattee Scholarships
Children of deceased public law enforcement or fire suppression employees who were California residents and who were killed in the course of law enforcement or fire suppression duties are not charged system-wide mandatory fees or tuition at any California State University campus, according to the Alan Pattee Scholarship Act, California Education Code, Section 68121. Students qualifying for these benefits need to contact the Office of the Registrar, which determines eligibility. | finance |
https://www.cesiumwaters902.click/wiki/Michele_Marsh_(actress) | 2023-12-06T15:07:18 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100599.20/warc/CC-MAIN-20231206130723-20231206160723-00676.warc.gz | 0.904878 | 1,659 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__35842873 | en | The PCE price index (PePP), also referred to as the PCE deflator, PCE price deflator, or the Implicit Price Deflator for Personal Consumption Expenditures (IPD for PCE) by the Bureau of Economic Analysis (BEA) and as the Chain-type Price Index for Personal Consumption Expenditures (CTPIPCE) by the Federal Open Market Committee (FOMC), is a United States-wide indicator of the average increase in prices for all domestic personal consumption. It is benchmarked to a base of 2012 = 100. Using a variety of data including U.S. Consumer Price Index and Producer Price Index prices, it is derived from the largest component of the GDP in the BEA's National Income and Product Accounts, personal consumption expenditures.
The personal consumption expenditure (PCE) measure is the component statistic for consumption in gross domestic product (GDP) collected by the United States Bureau of Economic Analysis (BEA). It consists of the actual and imputed expenditures of households and includes data pertaining to durable and non-durable goods and services. It is essentially a measure of goods and services targeted towards individuals and consumed by individuals. The less volatile measure of the PCE price index is the core PCE (CPCE) price index, which excludes the more volatile and seasonal food and energy prices.
In comparison to the headline United States Consumer Price Index (CPI), which uses one set of expenditure weights for several years, this index uses a Fisher Price Index, which uses expenditure data from the current period and the preceding period. Also, the PCEPI uses a chained index which compares one quarter's price to the previous quarter's instead of choosing a fixed base. This price index method assumes that the consumer has made allowances for changes in relative prices. That is to say, they have substituted from goods whose prices are rising to goods whose prices are stable or falling.
PCE has been tracked since January 1959. Through July 2018, inflation measured by PCE has averaged 3.3%, while it has averaged 3.8% using CPI. This may be due to the failure of CPI to take into account the substitution effect. Alternatively, an unpublished report on this difference by the Bureau of Labor Statistics suggests that most of it is from different ways of calculating hospital expenses and airfares.
In its "Monetary Policy Report to the Congress" ("Humphrey–Hawkins Report") from February 17, 2000 the FOMC said it was changing its primary measure of inflation from the consumer price index to the "chain-type price index for personal consumption expenditures".
Comparison to CPI
The differences between the two indexes can be grouped into four categories: formula effect, weight effect, scope effect, and "other effects".
- The formula effect accounts for the different formulas used to calculate the two indexes. The PCE price index is based on the Fisher-Ideal formula, while the CPI is based on a modified Laspeyres formula.
- The weight effect accounts for the relative importance of the underlying commodities reflected in the construction of the two indexes.
- The scope effect accounts for conceptual differences between the two indexes. PCE measures spending by and on behalf of the personal sector, which includes both households and nonprofit institutions serving households; the CPI measures out-of-pocket spending by households. The "net" scope effect adjusts for CPI items out-of-scope of the PCE price index less items in the PCE price index that are out-of-scope of the CPI.
- "Other effects" include seasonal adjustment differences, price differences, and residual differences.
- See more at: https://www.bea.gov/help/faq/555
|Food and beverages||15.1%||13.8%||17.0%|
|Food at home||8.0%||7.1%||8.7%|
|Food away from home||6.0%||4.9%||6.0%|
|Owner's equivalent rent||23.4%||12.9%||15.9%|
|Education and communication||6.0%||5.4%||6.7%|
|Other goods and services||2.8%||5.8%||6.0%|
The above chart is illustrative but may not reflect current values. The comparisons in the table above will vary over time as the relative weights of the components of the indexes change. The CPI base price and weightings are adjusted every two years.
The above table illustrates two commonly discussed important differences between the PCE deflator and CPI-U. The first is the relative importance of housing, which is due in part to the difference in scope mentioned above. CPI contains a large component of owner-equivalent rent, which by definition is an imputed value and not a real direct expenditure. The second major difference in weight is healthcare. This again stems from the definition of the index and the surveys used. CPI measures only the out-of-pocket healthcare costs of households where PCE includes healthcare purchased on behalf of households by third parties, including employer-provided health insurance. In the United States, employer health insurance is a large component and accounts for much of the difference in weights.
Another notable difference is that prices and weightings of the CPI are based on household surveys, while those of the PCE are based on business surveys. One reason for the difference in formulas is that not all the data needed for the Fisher-Ideal formula is available monthly even though it is considered superior. CPI is a practical alternative used to give a quicker read on prices in the previous month. PCE is typically revised three times in each of the months following the end of a quarter, and then the entire NIPA tables are re-based annually and every five years. Despite all these conceptual and methodological differences, the two indexes track fairly closely when averaged over several years.
- "Definition of 'Personal Consumption Expenditures - PCE'", Investopedia, Accessed 31-July-2012
- PCE and CPI indices, Jan 1959 - Jul 2018: "FRED Graph - FRED - St. Louis Fed". fred.stlouisfed.org. Retrieved September 9, 2018.
- Boskin, et al. "Consumer Prices, The Consumer Price Index, and the Cost of Living." Journal of Economic Perspectives - Volume 12, Number 1. Winter 1998, pp3-26.
- "FRB: Monetary Policy Report to the Congress - February 17, 2000". www.federalreserve.gov. Retrieved September 9, 2018.
- "What Does the Producer Price Index Tell You?". June 3, 2021.
- "What accounts for the differences in the PCE price index and the Consumer Price Index?". Archived from the original on July 27, 2018. Retrieved March 12, 2019.
- "Improving the Measurement of Consumer Expenditures" (PDF). nber.org. Retrieved July 17, 2023.
- Moyer, Brian C.; Stewart, Kenneth J. "A Reconciliation between the Consumer Price Index and the Personal Consumption Expenditures Price Index" (PDF). www.bea.gov. Bureau of Economic Analysis. Retrieved September 7, 2014.
- Briefing.com: Personal Income and Spending
- Briefing.com: CPI (the core CPI as a comparison)
- Current News Releases from the Bureau of Economic Analysis (click on "Personal Income and Outlays", then skip to Tables 9 and 11 near the bottom.)
- St. Louis Federal Reserve FRED2 PCE data index
- Personal Consumption Expenditures - PCE
- FAQ: What is the "market-based" PCE price index?
- Implicit Price Deflator for Personal Consumption Expenditures - Referendum 47's Measure of Inflation
- FRB: Monetary Policy Report to the Congress - February 17, 2000
- TheStreet.com: Meet the Fed's Elusive New Inflation Target | finance |
http://www.thankyoumaamreno.org/436253075 | 2019-10-14T22:50:05 | s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570986655554.2/warc/CC-MAIN-20191014223147-20191015010647-00381.warc.gz | 0.9205 | 136 | CC-MAIN-2019-43 | webtext-fineweb__CC-MAIN-2019-43__0__44288187 | en | When you join Thank You Ma'am Reno, you enter your credit card information for you card to be charged $103.00 once per quarter; $100 goes directly to the non-profit selected at each meeting. The additional $3 is to cover processing fees.
The processing is all handled by the 501(c)3 non-profit The Giving Group which is the umbrella group that started Thank You Ma'am in Seattle, the original. Once a year you will receive a receipt for you taxes. The Giving Group and Thank You Ma'am Reno will never give or sell your information to any outside parties.
You can click HERE to join and provide payment information | finance |
http://gargoyle.arcadia.edu/em/loans/index.htm | 2017-01-17T04:45:13 | s3://commoncrawl/crawl-data/CC-MAIN-2017-04/segments/1484560279468.17/warc/CC-MAIN-20170116095119-00301-ip-10-171-10-70.ec2.internal.warc.gz | 0.89227 | 1,830 | CC-MAIN-2017-04 | webtext-fineweb__CC-MAIN-2017-04__0__249729111 | en | ||How To Apply, on-line or via phone:
|Wells Fargo Collegiate Loan*
- Choice of Variable or Fixed Interest
Variable interest as low as Prime + 0.25%, based on credit, with a
contractual minimum of 3.25%, interest rate cap of 18%. Fixed rate
as low as 6.74%. Applicants are presented with their individual
rate at point that credit eligibility is determined, usually at point of
application. At that point, the applicant may choose a foxed or variable
rate comparison, or defer the decision until later in process.
- 0.25%-0.50% Interest Rate Discount at point of application with Wells Fargo borrower or cosigner
relationship (prior Wells Fargo Education Loan, Qualifying Wells Fargo
- Student may apply without a cosigner but applying with cosigner
helps ensure lowest interest rate and fastest approval process
- Wells Fargo disclosures available @ www.wellsfargo.com/studentloandisclosures
- No Fees
- Must be enrolled in a degree, certificate or license program
- May be enrolled less than half-time
- International students must apply with creditworthy U.S. citizen
- Students no longer enrolled may use to pay prior balance if applying
within 30 days of last date of enrollment
- Cosigner release option available after 24 monthly on-time payments
- 6-month grace period – no payments required while in school
- 15 year repayment term
- 0.25% interest rate reduction with automatic payments in repayment
- Loan forgiveness protection in event of student death or disability
Wells Fargo Education Financial Services
|Discover Student Loan
- Choice of Variable or Fixed Rate with Zero Fees
- Variable Range: Prime + 0% to Prime+ 5.00% for Undergraduates
- Variable Range: Prime + 0% to Prime+ 4.00% for Graduate Students
- Variable Range: Prime + 0% to Prime+ 2.50% for Graduate Health
- Fixed Rate - 6.74% to 9.49% for Undergraduates
- Fixed Rate - 6.74% to 10.99% for Graduate Students
- Fixed Rate - 6.79% to 9.49% for Health Professions
- For more information visit DiscoverStudentLoans.com/rates
- Application and Solicitation Disclosures - https://www.discover.com/student-loans/index.html
- No Fees
- Cosigner is advised for undergraduate borrowers with limited credit
- No cosigner release
- Undergraduate and Graduate students must be enrolled at least
- Must be a U.S. citizen or permanent resident
- International students require a social security number and a U.S. cosigner
- Making satisfactory academic progress as defined by school
- 6-month grace period and 15 year repayment term for undergraduate students
- 9-month grace period and 20 year repayment term for graduate students
and health professions students
- Automatic in-school deferment
- 0.25% interest rate reduction with auto-debit
- Graduation Reward-2%
cash reward on outstanding principle balance (must be requested upon graduation);
not offered on fixed rate product
Sallie Mae SMART Loan*
- Low variable interest rates: 2.25% APR to 9.37% APR;
competitive fixed interest rates: 5.74% APR to 11.85% APR
- Pay now or later-defer your payments until after school or choose an
in-school repayment option that fits your needs.
- Visit SallieMae.com/SOSLTerms for terms and conditions
- No origination fees and no prepayment penalty
- Can apply to release cosigner 12 months after you've graduated and
made 12 consecutive on-time principal and interest payments
- International students are eligible with a creditworthy cosigner
(who must be a U.S. citizen or permanent resident) and appropriate U.S.
Citizenship and Immigration Service documentation
- .25% interest rate reduction for automatic-debit
- Loan forgiveness in event of a student's death or permanent and
- Can be used if you have an existing balance to pay off before
registering for the new semester.
- Will vary based on loan amount and year in school
- Consider making principal and interest payments while in school to
lower the amount you must pay back.
- Principal and interest payments begin following the six-month
- No pre-payment penalty.
A 0.25% interest rate reduction with automatic-debit
|Custom Choice Loan* (SunTrust)
- Choice of fixed or variable rate: Students may choose the
interest rate type upon passing the initial credit review during the
online application process.
- Variable: LIBOR + 2.99%-LIBOR + 8.99%
- Fixed: 4.75% - 11.25%
- For the current interest rates, please visit: https://www.alternativeloan.com/CWA/ASD?link_id=SUNTFAO1
- No Fees
- Although a cosigner is not required, a creditworthy cosigner may
increase the likelihood of approval.
- To be eligible, student must:
-Be an undergraduate or graduate student enrolled at last
-Be a U.S. citizen or permanent resident.
-Be the legal age of majority in their state of residence (or at
least 17 years old with a cosigner who is the legal age of majority)
- Applications will be accepted for up to one month following end
of the applicant's academic period. For example, when a loan period
ends on May 15, borrow has until June 30 to submit an application
for previous academic period. The student does not need to be
currently enrolled, however, they must have been enrolled at least
half-time or more at time the balance was incurred.
- Satisfactory academic progress is not required
- 6-month grace period
- Choice of 7, 10, 15 years (the 15 year term is available for loan amounts of $5,000 or more)
- Choice of four repayment options (immediate, interest only,
partial interest or fully deferred)
- No penalty for pre-payment
- Interest rate reduction of 0.25% for ACH payments
- Additional 0.25% for ACH payments from a SunTrust deposit
- 1% reduction to the principal balance per loan, applied to full
disbursement amount, upon graduation with a bachelors degree or
- Cosigner release available after 48 consecutive principal and
interest payments have been made on-time
- Loan forgiveness available upon death of the student borrower
- Forbearance available for economic hardship
|Citizens Bank TruFit Loan*
- Choice of Variable or Fixed Interest Rate
Variable interest rate option as low as one-month LIBOR plus 2.50% and
Fixed rate option as low as 5.75%
- Choice of repayment options
* Please visit http://www.citizensbank.com/trufit-disclosure/ for current
rates and application disclosures.
* Please visit www.citizensbank.com/trufitstudentloan for additional
- Zero Fees
- Must be enrolled at least half-time in a degree granting program
- Cosigner release option available after 36 consecutive, on-time payments
- Available for past due balances up to 180 days after the ending of the
enrollment period. The student must be currently enrolled or recently
graduated to qualify.
- We strongly encourage students with little or no credit history to apply
with a qualified cosigner to increase their chances of being approved. A
qualified cosigner can also help the borrower secure a lower interest
- International students can apply with a creditworthy U.S. citizen, or
permanent resident cosigner.
- In the unfortunate event of the student borrower’s death or permanent
and total disability, the TruFit Student Loan will be forgiven
- Six-month grace period.
- Choice of repayment options: Deferred: Students
defer payment until 6 months after graduation. Interest-only:
Students make interest-only payments while in school.
Immediate: Students make payments while in school.
- Choice of repayment terms: 5, 10, 15 years.
- 0.25% interest rate reduction for
automating payments from any non-eligible Citizens Bank account
- Can be used to cover past due balances up to 180 days after
the ending of the enrollment period provided the student is
currently enrolled or recently graduated.
|Citizens Bank TruFit Student Loan | finance |
http://www.ezchip.com/pr_130213.htm | 2014-12-29T06:44:09 | s3://commoncrawl/crawl-data/CC-MAIN-2014-52/segments/1419447562099.128/warc/CC-MAIN-20141224185922-00047-ip-10-231-17-201.ec2.internal.warc.gz | 0.950602 | 2,037 | CC-MAIN-2014-52 | webtext-fineweb__CC-MAIN-2014-52__0__165674904 | en | EZchip Announces Fourth Quarter and Full Year 2012 Results
Yokneam, Israel, February 13, 2013 – EZchip Semiconductor Ltd. (NASDAQ: EZCH), a leader in Ethernet network processors, today announced its results for the fourth quarter and full year ended December 31, 2012.
Fourth Quarter and Full Year 2012 Highlights:
- Annual revenues for 2012 of $54.7 million
- Fourth quarter revenues of $15.2 million
- Fourth quarter gross margin reached 83.2% on a GAAP basis and 83.7% on a non-GAAP basis
- Net income, on a GAAP basis, was $15.7 million for 2012 and $4.8 million for the fourth quarter
- Net income, on a non-GAAP basis, was $27.1 million for 2012 (49% of revenues) and $7.8 million for the fourth quarter (51% of revenues)
- Non-GAAP operating cash flow of $29.2 million for 2012 and $7.1 million for the fourth quarter
- Net cash at end of 2012 was $168.0 million
Fourth Quarter 2012 Results:
Total revenues in the fourth quarter of 2012 were $15.2 million, an increase of 7% compared to $14.3 million in the fourth quarter of 2011, and an increase of 64% compared to $9.3 million in the third quarter of 2012.
Net income, on a GAAP basis, for the fourth quarter of 2012 was $4.8 million, or $0.17 per share (diluted), compared to net loss of $6.0 million, which included a one-time charge due to early repayment of $9.9 million to the Israeli Office of Chief Scientist (OCS), or $0.22 per share, in the fourth quarter of 2011, and net income of $0.1 million, or $0.00 per share (diluted), in the third quarter of 2012.
Net income, on a non-GAAP basis, for the fourth quarter of 2012 was $7.8 million, or $0.26 per share (diluted), compared to non-GAAP net income of $6.3 million, or $0.22 per share (diluted), in the fourth quarter of 2011, and non-GAAP net income of $3.1 million, or $0.10 per share (diluted), in the third quarter of 2012.
Full Year 2012 Results:
Total revenues for the year ended December 31, 2012 were $54.7 million, a year-over-year decrease of 14% compared to $63.5 million in 2011.
Net income on a GAAP basis for 2012 was $15.7 million, or $0.54 per share (diluted), compared to net income of $7.9 million, or $0.28 per share (diluted), in 2011.
Net income on a non-GAAP basis for 2012 was $27.1 million or $0.92 per share (diluted), compared with non-GAAP net income of $31.0 million, or $1.09 per share (diluted), in 2011.
Cash, cash equivalents, marketable securities and deposits as of December 31, 2012, totaled $168.0 million, compared to $160.1 million as of September 30, 2012 and compared to $126.8 million as of December 31, 2011. Cash generated from operations was $7.1 million for the fourth quarter and $29.2 million for the year, cash used in investing activities was $0.2 million for the fourth quarter and $1.5 million for the year, cash provided by financing activities (resulting from the exercise of options) was $1.0 million for the fourth quarter and $12.9 million for the year and an additional $0.6 million increase resulted from unrealized gains in marketable securities during 2012.
Eli Fruchter, CEO of EZchip, commented, “2012 was another transition year for EZchip. First, we completed the transition to Cisco becoming our largest customer, with all revenues being royalty-based, thereby increasing our gross margins to 84% and maintaining our outstanding 49% net margin in line with the net margin we achieved in 2010 and 2011. Second, we transitioned to NP-4, which surpassed the NP-3 run rate in its first full production year, and became our largest revenue generator. Finally, we laid the foundation for the NPS line of network processors for smart networks that will target both next-generation edge routers and data centers, and we believe could double our total available market.
“Of our five major NP-4 customers, two are in production and two entered production at the end of the third quarter and have placed initial production orders. The fifth customer, Huawei, is also expected to enter production in the first quarter; however, it has not yet placed any production orders and we believe Huawei may proceed to offer a lower-end in-house solution in parallel to the high-end NP-4 solution.
“Looking ahead, we believe that high-end NPUs, such as the NP-4, are required for high-end edge routers to be competitive. Therefore, based on the success of our customer products in the marketplace and the level of carriers’ investment in Internet infrastructure, we believe NP-4 can significantly increase our revenues in the next few years. As for this year, we expect year-over-year growth in both Q1 and 2013, also when compared with 2011.”
The Company will be hosting a conference call later today, February 13, 2013, at 10:00am ET, 7:00am PT, 3:00pm UK time and 5:00pm Israel time. On the call, management will review and discuss the results, and will be available to answer investor questions.
To participate through the live webcast, please access the investor relations section of the Company’s web site at: http://www.ezchip.com/investor_relations.htm, at least 10 minutes before the conference call commences. If you would like to ask a question on the call, please contact the investor relations team for the telephone dial in numbers.
For those unable to listen to the live webcast, a replay of the webcast will be available the day after the call under the 'Investor Relations' section of the website.
Use of Non-GAAP Financial Information
In addition to disclosing financial results calculated in accordance with United States generally accepted accounting principles (GAAP), this release of operating results also contains non-GAAP financial measures, which EZchip believes are the principal indicators of the operating and financial performance of its business. The non-GAAP financial measures exclude the effects of stock-based compensation expenses recorded in accordance with FASB ASC 718, amortization of intangible assets, one-time charge due to early repayment of OCS grants and taxes on income. Management believes the non-GAAP financial measures provided are useful to investors’ understanding and assessment of the Company’s on-going core operations and prospects for the future, as the charges eliminated are not part of the day-to-day business or reflective of the core operational activities of the Company. Management uses these non-GAAP financial measures as a basis for strategic decisions, forecasting future results and evaluating the Company's current performance. However, such measures should not be considered in isolation or as substitutes for results prepared in accordance with GAAP. Reconciliation of the non-GAAP measures to the most comparable GAAP measures are provided in the schedules attached to this release.
EZchip is a fabless semiconductor company that provides Ethernet network processors for networking equipment. EZchip provides solutions that scale from a few to hundreds of Gigabits-per-second. EZchip's network processors provide great flexibility and high performance coupled with superior integration and power efficiency for a wide range of applications in carrier, cloud and data center network equipment. For more information on our company, visit the web site at http://www.ezchip.com.
This press release contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements are statements that are not historical facts and may include financial projections and estimates and their underlying assumptions, statements regarding plans, objectives and expectations with respect to future operations, products and services, and statements regarding future performance. These statements are only predictions based on EZchip's current expectations and projections about future events. There are important factors that could cause EZchip's actual results, level of activity, performance or achievements to differ materially from the results, level of activity, performance or achievements expressed or implied by the forward-looking statements. Those factors include, but are not limited to, the impact of general economic conditions, competitive products, product demand and market acceptance risks, customer order cancellations, reliance on key strategic alliances, fluctuations in operating results, delays in development of highly-complex products and other factors indicated in EZchip's filings with the Securities and Exchange Commission (SEC). For more details, refer to EZchip's SEC filings and the amendments thereto, including its Annual Report on Form 20-F filed on March 29, 2012 and its Current Reports on Form 6-K. EZchip undertakes no obligation to update forward-looking statements to reflect subsequent occurring events or circumstances, or to changes in our expectations, except as may be required by law.
Tables follow in PDF
Ehud Helft / Kenny Green
CCG Investor Relations
Tel: (US) 1 646 201 9246 | finance |
http://www.rickygill.com/reformingcongress.html | 2016-10-22T05:14:48 | s3://commoncrawl/crawl-data/CC-MAIN-2016-44/segments/1476988718426.35/warc/CC-MAIN-20161020183838-00507-ip-10-171-6-4.ec2.internal.warc.gz | 0.95259 | 497 | CC-MAIN-2016-44 | webtext-fineweb__CC-MAIN-2016-44__0__209022062 | en | PLAYING BY THE RULES
The American people deserve a responsible Congress that maintains common sense and contributes to good governance. It is not enough to simply hope that the people's representatives will do the right thing—Congress needs a robust set of rules that emphasize fiscal prudence, stronger ethics, and greater transparency. Endlessly borrowing money will only aggravate our nation's long-running debt problem. Thus, Congress must hold the line on the reforms it recently enacted in the budget process. The hard-working taxpayer should demand nothing less. Congress wisely imposed a rule called "CUTGO," which requires it to find revenue offsets for any increases in spending. Congress also needs to continue its ban on earmarks. These pork-barrel projects are the epitome of what has gone wrong in Washington, where legislators pile waste onto the budget only to promote their re-election efforts. Earmarks not only waste money; they also corrupt the budget process because they allow Congressional representatives to trade votes. They should be eliminated once and for all.
EMULATING THE STATES
Congress also should emulate reforms already in place at the state level. The vast majority of state constitutions have requirements that limit legislation to one subject. These "single-subject rules" can disrupt the logrolling, vote-trading, and interest-group politics that diminish public trust in government. Moreover, nearly every state has some form of balanced budget requirement. The federal government, by contrast, is consistently unable to balance its books. Lawmakers concerned only with re-election will continue profligately spending taxpayers' money until we impose a balanced budget requirement. Finally, more than 40 states empower their governors with a line-item veto. A federal analog would allow the President to excise wasteful portions of appropriations bills that Congress lacked the willpower to reject.
Congress should ensure that regulations handed down from federal agencies promote national economic health. Rather than delegating lawmaking authority to administrative agencies, Congress should hold a floor vote on all regulations that impose $100 million or more in compliance costs. Our elected representatives should review the merits of these consequential regulations before they take effect. Congress also has ceded too much ground to the executive branch, which is typically allowed to review the effectiveness of its own spending. Congress should exercise the power of the purse to rein in inefficient programs. Congress should consider routinely including sunset provisions in authorization bills, which will force it to review the track record of federal programs before spending additional funds. | finance |
https://forexseminar.fspsecure.co.za/ | 2021-06-15T16:51:18 | s3://commoncrawl/crawl-data/CC-MAIN-2021-25/segments/1623487621450.29/warc/CC-MAIN-20210615145601-20210615175601-00291.warc.gz | 0.933098 | 6,694 | CC-MAIN-2021-25 | webtext-fineweb__CC-MAIN-2021-25__0__66875452 | en | On Saturday, 29 November 2014 – discover how my simple strategy could help you take money out of the market time and time again.
Meet me in person, learn my proven trading methods, discover how to avoid the ‘deadly mistakes’ most traders make, and ask me all your burning questions…
I’ll be focusing all my efforts to help you maximise your profits and cut your losses to a minimum.
My pledge:To give you the crucial tools that mean you never have to second-guess your trades again!
This is the first time I’ve agreed to share my powerful Forex trading techniques, in person.
After a decade trading the Forex markets, learning the best ways to make money – and the simplest ways to avoid costly mistakes – I’m going to reveal it all.
On the 29th of November 2014, I’m holding a practical seminar revealing how I make effective trades on a regular basis.
This won’t be like anything you have ever been to before.
It won’t be a boring lecture. Or a dry tutorial.
This will be a small, dedicated seminar, where I’ll show you key methods that have the potential to greatly improve your trading profits.
I’ll show you how I choose my trades, and why I think one trade looks so much more promising than another.
I’ll share my decision-making process, along with in-depth explanations of how I use my core trading strategy.
You can ask me a question at any point during the seminar and I’ll tell you precisely what I’m doing and why.
I’ve spent the better part of a decade as a trader making successful trades – and on the 29th of November, you’ll learn the core strategy I use to do it.
I guarantee you’ll learn techniques that could help you take up high-probability positions again and again.
Too many people jump into trading with no idea of what they’re doing. And the consequences are entirely predictable:
They take profits too soon, when there’s still more money on the table.
They hang on to their losses for too long.
They make the same mistakes over and over.
They try complex trading systems that never pan out.
If any of that sounds familiar to you, then you need this seminar!
That’s why I’m inviting you and just 29 others to learn the core techniques of my proven trading strategy.
Join me on the 29th of November, and I’ll show you not only how you could bank regular profits… But also help you steer clear of costly blunders.
FSP Invest FOREX Seminar 2014
Entry strictly by invitation ONLY
My aim is for you to leave the room with practical trading know-how and with the skills to help you take money out of the market over and over.
This one-off seminar will bring your understanding of these methods to a whole new level – and really help you put them into practice.
The whole day will be devoted to turning YOU into an effective and successful trader.
Everything will be tailored to your personal needs.
This level of first-hand explanation, insight and attention is something that my Trading Tips and MoneyMorning articles simply can’t get across. I only get to scratch the surface!
That’s precisely why I’ve decided to hold this exclusive seminar.
I think this day will be a real eye-opener for you. And if you join me, I believe it could help you pluck money from the swings of the market not only in 2014…
…But for the rest of your trading life!
“Let me show you the expert trading techniques that I’ve used to make money from the markets for 10 years!”
The most effective way I can help you become a money-making trader is for me to explain things to you in person.
No misunderstandings from trying to work things out on your own. And no distractions either. A full day dedicated to becoming an effective trader.
In one packed 6-hour session, I’ll walk you through every last step of my proven strategy – start to finish – so you can go away and begin raiding the markets with confidence.
Like me, I’m sure you trade for one reason and one reason only: To make money. Hopefully, lots of it. That’s what trading is all about. This isn’t like investing where you buy and hold a share for months or years.
This is about nipping in at the right time and – potentially – closing the trade with extra money in your account.
And that’s precisely what I want to help you achieve.
I aim to make it simple for you to make profitable trades, and no longer rely on hunches… By working with you in person so that it all clicks into place.
I warn you now – you’ll have to put some work in. We’ll break for lunch for half an hour or so, and there’ll be plenty of tea and coffee. But I want to use our time together to make sure you fully and completely understand my methods of making money on the markets.
I want to show you how I take the ‘guesswork’ out of trading with my tried-and-tested trading system.
So please read this invitation carefully and without distractions.
If you just flip through this, you might miss out a vital detail that could make a mountain of difference to your decision.
And you may need to act quickly once you have finished reading…
Because I doubt whether the 30 places will be free for long.
“On the 29th of November I will give you the trading strategy that has shaped my successful career.”
This isn’t going to be a big, corporate ‘event’. This is a small seminar for just 30 people to learn the secrets of how to make effective trades as often as possible.
My publisher might prefer me to speak to 200 people… But I think 30 is the right number. That way I can give you my full attention.
I’ll show you how you can make the leap from banking the occasional profit, to making more money on a more consistent basis.
Join me and I’ll aim to:
Help you make maximum profits from high-probability trades.
Tell you the best markets to trade in. Markets that suit YOUR trading personality.
Explain how you help spot winning trades from ‘duds’.
Give you a key method for protecting yourself against big losses.
Show you how to avoid the ‘five deadly mistakes of Forex trading’ – common, costly mistakes you can easily cut out.
Share my tried-and-tested strategy that’s made me a small fortune over the years.
Help you trade with more confidence.
Help you overcome the psychological blocks that prevent most people making money.
Answer all of your questions about trading.
Ultimately, I want you to be a good enough trader to earn a decent second income.
And during my special seminar, I want to demonstrate the techniques that can help you achieve that ambition.
Put simply, by the time you leave the room on the 29th of November, I want you to be able to place trades:
WITH MINIMAL RISK...
WITH 100% CONFIDENCE!
Please ask yourself honestly: Could you do with a little help? Would you like to make effective trades easily and without fuss?
Well, that’s precisely why I have arranged this crash-course: To show you the core techniques I believe can vastly improve your Forex trading.
“I’ll show you how to reduce your losses and take money out of the Forex market on a more consistent basis.”
I’m sure you’ve heard of the oft-quoted statistic that 80% of traders lose money consistently.
That means only around 20% of traders take regular profits.
All traders lose money. That’s just a fact. You will never be successful on 100% of your trades.
But I believe that by being in that room with me for 6 hours, learning my tried-and-tested trading secrets – you have a great chance of joining the 20% who make money on a regular basis.
It’s not magic, and it isn’t blind luck. There’s a very subtle science to it. And that’s what you’ll be learning on the day.
There is a simple five part game plan that I think every trader who wants to make money on a regular basis needs to know.
Let me show you what they are and how they could guide you to some very profitable trades…
“I will show you how to master my trading strategy…”
In Forex Trader, I use my tried-and-tested trading strategy to make effective, often profitable trades.
When I started out trading, I just couldn’t find a reliable, simple system that almost anyone could apply without spending hundreds of hours glued to charts and computer screens. Those I found were either too complex or just didn’t stack up in the real trading world.
I needed to develop something that worked in all time frames and which did not depend on being hunched over a screen for all hours of the day. After all, we all have better things to do with our time.
I wanted to find the key to unlock this door – and it did not lie in devising even more complicated algorithms. I wanted a really easy-to-understand methodology that most people could potentially profit from themselves.
And the result is what my subscribers read about week in and week out in my Forex Trader emails, and my Trading Tips & MoneyMorning articles – my Forex Profit Pattern method.
And now you have a priceless opportunity to spend a whole day with me as I teach you those secrets that I have learned.
Not just my Forex Profit Patterns, but all of the techniques I use.
You may already be familiar with the basics:
If all this goes over your head right now, don’t worry – that’s precisely why I have organised this Forex seminar on the 29th of November.
Unlocking the secrets of these patterns will take you to a whole new level of Forex trading.
And if you are already familiar with them, I guarantee you’ll learn new ways that could bolster your trading account.
I’ve used these trading patterns for years, applying them in my unique way to take money out of the markets thousands of times over.
And on the 29th of November, I will show you precisely how to use them too.
I want to make something clear: This WON’T make you rich overnight. That’s not how it works. It’s not reckless. The sensible, methodical management of risk is one of the keys to my success.
These trading techniques are proven strategies used by serious Forex traders only – not wild-eyed gamblers! There’s no ‘magic button’, no ‘money lever’ – just a tried-and-tested approach to trading that I’ll teach you personally.
If you apply these simple principles correctly, I think you’ll be in a great position to bank a series of tidy profits.
Take a look at this…
Here’s a few examples of how I’ve used these core techniques on some real trades.
First off, here’s how I used my Cup-of-T pattern to make a swift gain on the AUD/USDcurrency pair:
It’s April 2014...
On the 9th of April, as the sun slowly started warming the country, the long position I’d taken on AUD/USD earlier that day had resulted in a 293.80% gain on margin. And that was before the day even had time to settle.
This is how the pattern shaped up
This is how the trade played out
The pattern did its job and I exited with a tidy profit.
How would you like to make gains like that? Well, that’s precisely what I’ll show you, if you take your place at my exclusive, one-off Forex seminar.
As Trading Tips readers probably know, I use these patterns to guide me through a successful trade.
And here’s how I used the W-FORMATION pattern:
On the 17 of October 204, after going long (buying) the AUD/USD currency pair, my W Formation pattern triggered my take profit level and I walked away with a fantastic 95.5% on margin.
(N.B. Don’t worry if you don’t fully grasp these examples here and now – that’s why I want you to join me on the 29th of November – so I can show you how it all works!)
This is how the pattern shaped up:
This is how the trade played out:
Imagine making that kind of gain for yourself. Not just once, or twice, but potentially on a regular basis!
I think these two examples perfectly illustrate how the subtle science of these patterns can translate into a very tasty profit.
And in just a few weeks, you could be making profitable trades like this all by yourself.
But as I want to show you, my core strategy aims to minimise losses, too.
Because – of course – my methods do not work 100% of the time! That would be impossible. But by using my carefully-worked-out money management rules - especially my famous 2% Rule - losses on losing trades can be kept within bounds.
That's why, at the seminar, I will show you EXACTLY how to place sensible protective stops using one of my special strategies so that your winners always outweigh your losers.
And the sooner you get to grips with these techniques the better.
Because in my view, there’s never been a better time to know key ways to draw money from the markets…
“2015 promises to be a trader’s paradise - I’ll show you how to avoid the pitfalls and grab the bounty.”
The fact of the matter is… Right now is the perfect time for you to learn my trading tips and techniques.
Because 2015 is going to be a pivotal year in the markets – and a huge opportunity for traders.
With the American 's tapering off on QE and parts of Europe back in recession, there is a hell of a lot of volatility – a dream ticket for traders with a bit of know-how.
If you have the skill and confidence, it can be quite simple to make money right now.
But – and I have to warn you - if you’re just finding your feet on your own, you could also stand to lose a lot of money.
I don’t want that to happen to you.
I want to show you how I think you can avoid costly mistakes that novice investors make… And how to greatly improve your chances of making money.
“On the 29th of November I’ll show you how easy it is to cut out the '5 Deadly Forex Mistakes' that most novice traders commit.
During my long trading career, I have made a point of identifying the five worst mistakes made by naive Forex traders.
In my view, nothing will cut down your losses like steering clear of these costly errors.
I call them the 5 deadly mistakes simply because, in my opinion, they are the worst blunders you can make… And each one could end up costing you dearly:
Deadly Mistake #1: Keep changing the System
Over time traders start relying on emotion and feelings, which is when doubt starts to creep in. What they don’t realise is it’s not about changing their system, but rather changing the way they go about trading the system. I’m going to show you how you can find your winning system with three simple words.
Deadly Mistake #2: Ignoring the market environment
One thing I always notice is that novice traders don’t take the market environment into account. They base their decisions on where they think the market is going, and this often leads to financial calamity! I’m going to show you a simple way to know what environment the market is in so that you can learn to trade with the trend, rather than against it.
Deadly Mistake #3: Wanting to trade everything
Picture a leopard waiting to pounce on its prey… Even though the leopard knows it can out-run any animal, it patiently waits for an injured and vulnerable one so its chance of gaining a meal is higher. Just like a leopard knows it can outpace most animals, as a trader you can take advantage of every possible trade at any time. The problems you’ll face, however, include the costs, emotions and all the movement in the market that make hunting a worthy trade so difficult. That’s why ‘leopard trading’ is the third ‘deadly trading mistake’ all traders should stay clear of.
Deadly Mistake #4: Not using protective stop-losses
I’ll reveal how my straightforward 2% Rule and Break-Even Rule can help you keep your losses to a rock-bottom minimum.
Deadly Mistake #5: Over-trading with positions too large for your account
Seems obvious, right? Well, you’d be shocked how many traders lose big money by getting stranded too far from shore. I’ll show you how trading within your means helps you live to trade another day.
But keep committing these blunders and they could end up costing you a bomb… And could put you off trading for good!
I have no doubt that my hard-won experience and advice, demonstrated to you in person, could be a life-changer for you as a trader.
Apply my methods and steer clear of these costly mistakes and I believe you will quickly:
Boost your performance and avoid the common mistakes most traders make.
Stop making emotional decisions when you trade. This will give you an instant edge over most traders.
Exploit market volatility to the maximum.
I’ll bring my proven strategy to life for you, and show you how each pattern works – myself – so that you can see what I’m doing and ask any questions you have the minute you need help!
I’ll explain my specific techniques and secrets – trading skills that could accelerate your success and level of income.
So let me tell you precisely what will happen on the day:
It sounds a lot - and it is!
This crash course has been designed to turn you into more than just a competent trader who knows how the markets work.
Its aim is to turn you into a trader with real know-how… Certainly someone who has the real potential to make a serious income from the markets – when it suits YOU!
I’ve booked a modern space in a Sandton location where you will learn, in comfort, my priceless trading methods.
Lunch will be provided, together with all the tea and coffee we’ll need to push ourselves through the itinerary!
You won’t have to bring a thing except for yourself. Pens, paper, a personal trading manual – I’ll provide the lot.
Everything will be taken care of so that you can focus on one thing – becoming a better trader.
Plus I’ll be available to talk to you after the end of the seminar.
Make no mistake… This will be a packed day, because I’m going to cram in as many useful techniques and trading knowledge as I can. And that’s a lot to get through.
I am going to squeeze in every bit of know-how I think you need to become a 100% clued-up trader.
By the end you’ll head home with a real understanding of powerful Forex trading secrets that’ll give you the potential to make a serious second income on your own.
But that’s not all…
The seminar doesn’t end there. I’m not just going to switch off at 5pm and walk out, job done!
I want you to be able to go back over the finer points of my strategy if you need to… Until you properly grasp these effective trading techniques.
So, after the seminar I’ll send you:
A private email address to ask me anything you like about my core strategy.
For 30 days after the seminar, you’ll be able to ask me anything you like about the techniques you’ll learn during the day. So when you are putting these practical powerful methods to use, I can help you apply them correctly.
A live DVD recording of the seminar.
So you don’t miss a thing – and so you don’t have to bother making pesky notes – I have arranged to have the session filmed so a DVD copy can be sent to you within four to six weeks after the seminar. Anything you need to check or need clarification on, you can see again, at your leisure. And if you’re still not sure – just drop me an email and I’ll be back in touch.
Key notes and my seminar slides.
For your personal reference, if you want to refresh your memory before a day’s trading, you can sit back and go over the points using this simple slideshow.
I think you’ll agree… This is FAR more than a usual tipping service or investment opportunity. This is a real chance to BECOME a trader with the kind of know-how that usually takes YEARS to acquire!
If you’re willing to put in the effort, I’m certain you will find the day very rewarding… And, potentially, extremely lucrative.
“Are YOU ready to put in a bit of hard work?”
As you’ll see, this isn’t all one way.
To get the most out of the day, you will need to put in some work.
Yes, you could just turn up, listen to what I have to say, discover my techniques and leave with a partial idea of how to start making money yourself.
But if you really want to understand my powerful trading methods, understand how to avoid common pitfalls and start applying these principles right away… It takes a little bit of ‘elbow grease’.
If you like the idea of learning the strategy and techniques that could make you – potentially – a lot more profits than you would normally… Please read the rest of this invitation now, and get ready to reserve your place quickly.
This invitation is going out to more than 36,534 profit-hungry traders like you.
I expect places to be snapped up within hours.
During the intensive day of the crash course, you’ll be expected to go through my strategy thoroughly, and a LOT of my secrets. You’ll also be sent a LIVE DVD recording of the day itself so you can go back over the crash course whenever you like.
The aim is simple – after this seminar (and by using the handbook you'll take home on the day), I think you’ll have the confidence to go out and use these simple strategies to make money on a far more regular basis.
That’s what this crash course is all about… Arming you with the techniques you need to seize profits from the markets!
Think of it as learning to ride a bike. If you went to a crash course on bike riding, and read ‘How To’ books on bike riding, you’d have a good idea of how to do it. But the only way to really learn is to get on the damn thing and ride!
And that’s what I’ll be encouraging you to do… To get into the markets, trade alongside me and see it working.
Yep – this isn’t like any other investment opportunity you’ve ever seen, because I’m not going to kid you; I’m here to show you how to – potentially – vastly increase the profits you make when you trade. And sometimes that’s going to involve a bit of sweat.
So, just to be 100% clear on where we stand before I formally offer you one of the 30 crash course places…
You’ll need to attend a seminar on the 29th of November (in Sandton).
You’ll have to work hard on the day, alongside me. Remember, I will be on hand to help you for 30 days afterwards – but you’ll have to put the work in to – potentially – turn this knowledge into profits. I’ll make it as easy as possible for you, handing you the tools you need to vastly improve your trading performance… But it’s you who’s going to have to push the buttons!
As I have said, this WON’T make you rich overnight. I don’t want you to have unrealistic expectations. I want you to join me with your eyes wide open. My trading techniques and professional strategy are used by committed investors. There’s no ‘magic button’, no ‘money lever’ – just tried-and-tested approaches to trading that I’ll guide you through personally.
As an FSP Invest subscriber, I think you’ve got what it takes and I really want you to benefit from this.
But of course the final decision is up to you.
Mark this date in your diary:
“29 November 2014 – the day you become a real Forex trader.”
I think my intensive, one-day seminar has the potential to bank you a level of profits that could make a real difference to your life.
If that sounds good to you, then I want you on this crash course programme.
I intend to pass on practical methods of making money from trading.
Frankly, if all goes well there is no limit to the financial upside for you. Just like me, you can use these methods for the rest of your trading life.
So I’m not going to beat around the bush or offer any discounts.
Many of the 1-day seminars I know of cost anything up to R15,000.
Most decent ones level out around R10,000...
But I’d like to give you a full day’s training, showing you my most powerful trading techniques … PLUS a DVD of the crash course programme… PLUS a comprehensive manual… PLUS full support for 30 days…
For a LIMITED, two-week-only, early bird price of only R3,995.
That’s for a full day’s tuition and mentoring – giving you the tools you need to take money from the market over and over again, for the rest of your trading life!
I’m happy to cut my fee down to the bone on this because you’re a FSP Invest subscriber, you know there’s the real potential to make money here.
Use the same techniques I’m using and you will have everything you need to build a sizeable second income.
I don’t need to tell you that R3,995 is a low fee for everything that’s included in this crash course. Especially as you’ll be learning a rare and valuable skill that I think could really help you make money - now and for the rest of your life.
Remember those two real trades I showed you earlier? One clocked 45%, the other 38%…
Not bad for a few minutes in front of the computer, I’m sure you’ll agree.
Of course, not every trade I’ve made is as profitable and I do not make a profit with every single trade.
But those are the kind of gains I think you could make consistently if you apply my techniques correctly. And I’ll show you how.
If all this sounds good to you, click here to book your place at my exclusive trading seminar right now.
“Don’t commit a single cent now.”
If you successfully reserve your place on my one-off crash course today, I’ll send you a confirmation email within the next 10 minutes, acknowledging payment and your place in the course.
Then, on the 29th of November the fun really starts…
At 11.00am sharp, I’ll start showing you the techniques I use to make effective trades practically every time I sit down at my computer.
From the first session alone you’ll have discovered much more than most private traders learn in a decade.
We’ll break at around 13.00pm for tea and coffee – and at this time, if you decide my one-day seminar is not for you, just tell me or one of my assistants and I’ll arrange for you to receive a full refund.
No questions, no quibbles – if you’re not entirely happy with the crash course, just let me know at first break, and I’ll happily give you a full refund and wish you well.
(Obviously you won’t be able to learn the rest of my trading secrets after that point!)
I don’t think I can say fairer than that… You can join me and spend two hours with me face to face, without risking a penny, and make up your own mind.
If you don’t think I can help you, just let me know, and I’ll sort out a refund for you there and then – no problem.
How’s that for a safety net? You have nothing to lose by booking your place.
You can do that here – but hurry – only 30 places are available.
If you’re serious about learning the skills and secrets that have the potential to help you build a good trading income, then I don’t see how you can pass up this rare opportunity…
I hope I’ve set out my stall and made it clear just what’s on offer (and what’s at stake) here.
I’d like to show you – in person – how you can potentially make regular trading profits from the comfort of your home, working the hours you want.
And I will be ‘on-call’ for you for a whole 30 days after to make sure you use these powerful trading techniques to their maximum potential.
I’ll repeat – you won’t make a fortune overnight, and you’ll have to put some work in – but if you truly want to make a difference to your trading success rate…
…And do something practical that could help pull in a number of sizeable profits…
Then I believe this is un-missable.
Remember, this invitation is going out to more than 10,238 traders, so if you’re interested, I urge you book your place immediately.
I expect places to be snapped up within hours of this invitation going out.
Don’t waste this chance. Claim your place right away!
I look forward to hearing from you very soon, and to welcoming you – in person – to my exclusive, one-day seminar on 29 November.
Always remember, “Wisdom Yields Wealth”
P.S. I really want you to be a part of this, so if you want to try and cut down your losses and close in on winning trades – I believe this seminar is exactly what you are looking for. Don’t miss out. | finance |
http://www.winchestervasheriff.org/civil-enforcement-process/levy/ | 2020-11-29T10:58:29 | s3://commoncrawl/crawl-data/CC-MAIN-2020-50/segments/1606141197593.33/warc/CC-MAIN-20201129093434-20201129123434-00229.warc.gz | 0.946286 | 773 | CC-MAIN-2020-50 | webtext-fineweb__CC-MAIN-2020-50__0__125041795 | en | Winning a case in court is only the beginning of the process for collection of money that is owed to a plaintiff by the debtor. Unfortunately, in most cases the debtor does not normally pay up once the plaintiff has won. Therefore, it is up to the plaintiff to pursue the legal avenues available to them.
First and foremost, the judgment the plaintiff obtained is good for 10 years from the date of judgment, renewable for another 10 years, if obtained in a General District Court, and for 20 years from date of judgment, renewable for another 20 years, if obtained in a Circuit Court. This is the time in which the plaintiff can pursue the collection of the debt.
One often-used process is called the Writ of Fieri Facias. This is usually referred to as either a Writ of FiFa or Levy. This process authorizes the Sheriff to go to the debtor's residence and inventory and/or seize property for collection of the debt. The Writ of Fieri Facias is good for ninety (90) days from the date of issuance. This means the Sheriff has ninety (90) days in which to execute the process. It does not usually take ninety (90) days to execute, but some cases are more difficult than others and will take longer.
Steps to Levy Process
- Once received by the Sheriff, the Writ is time/date stamped and entered into the computer. It is then given to the Deputy who serves the area where the defendant lives.
- The Deputy is to determine the approximate value of the property to be levied upon.
- After the Deputy inventories the property, a copy of the inventory list and a Bond letter are sent to the plaintiff.
- The Bond letter informs the plaintiff how much of an indemnity bond will be needed prior to going to sale, if one has not already been posted. The bond indemnifies the Sheriff against any suit brought by third parties, should we levy upon property in the debtor's possession but owned by another. This bond must be posted prior to the sale. If the bond requested is not posted, the sale will be postponed. Surety for the bond can be obtained through an insurance company or a bondsman. Arrangements need to be coordinated with our office so we can properly complete the bond.
- Once the plaintiff completes the bond requirements, a Notice of Sale is prepared by the Sheriff's Office and mailed to both the Plaintiff and defendant. By law, the Sheriff must give at least ten (10) day's notice before any auction takes place.
- Advertising of the sale is placed in a minimum of three (3) locations within the City of Winchester. One is placed near or at the place where the sale is to be held. The signs are the property of the Sheriff's Office and cannot be removed without our permission. The Sheriff's Sales will also be advertised on the Sheriff's Office web site.
- The plaintiff may advertise in the newspaper, but the advertisement must be approved by the Sheriff prior to placing the ad. This will ensure all legal requirements are met. The cost of advertising in the newspaper is the plaintiff's expense; however, any cost incurred to recover the debt may be added. The plaintiff would be wise to keep all receipts related to the collection of the debt.
- If the plaintiff refuses to provide a bond when asked, the Sheriff is then under no obligation to proceed and can return the Writ back to the court not executed.
- Normally, the Sheriff performs the auction. However, if the plaintiff wants to hire an auctioneer, this is acceptable. The auctioneer must be approved by the Sheriff and is done so at the expense of the plaintiff.
- Both the plaintiff and defendant have rights and defenses and should seek the advice of an attorney if in doubt as to how to proceed. | finance |
https://longsair.com/financing/ | 2024-03-02T03:20:48 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947475727.3/warc/CC-MAIN-20240302020802-20240302050802-00185.warc.gz | 0.911357 | 232 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__93768554 | en | Financing Your Carrier Purchase
Innovative Carrier products are trusted in more homes than any other brand. Expect the same trustworthy firebrand when it comes to financing your new Carrier purchase. Get in touch with us at Long’s Air Conditioning in Avon Park, FL to learn more about the Carrier financing plans we offer homeowners.
A Wise, Long-Term Investment
Through our relationship with various financing companies and participating Carrier dealers, we are able to offer a variety of flexible options for financing your new Carrier product or system.
This way, you can invest in a home HVAC system that is capable of providing you and your family with comfort and value for a long time. You need not stress so much about going over your monthly budget.
No Need for Credit Solutions
With the Carrier financing plans we offer, you do not need to use up existing funding resources like home equity credit lines, credit cards, or bank accounts. The plan is designed to allow you make payments in lower increments. The plan makes it easier for homeowners by providing 3 amazing advantages:
- Low Monthly Payments
- Preferred Interest Rates
- Flexible Terms | finance |
http://camerafarm.com.au/faq.asp?Id=43 | 2019-03-21T18:49:07 | s3://commoncrawl/crawl-data/CC-MAIN-2019-13/segments/1552912202530.49/warc/CC-MAIN-20190321172751-20190321194751-00508.warc.gz | 0.893408 | 160 | CC-MAIN-2019-13 | webtext-fineweb__CC-MAIN-2019-13__0__25278385 | en | (1) Go to the nearest Western Union Office. A full list can be found on the Western Union website.
(2) Fill out the Western Union "To send Money" form. No bank account is required for sender or receiver.
(3) Give the form with the sending amount and fee to the Western Union Agent.
94) The Western Union Agent will enter the information into the computer and then give you a receipt with your Money Transfer Control Number (MTCN).
(4) Telephone or e-mail the MTCN number to us to collect the funds and ship your order.
Our contact details can be found here.
This is a very easy way to transfer money Internationally.
Related Link: http://www.westernunion.com.au | finance |
https://www.wellstat.io/blogs/esg-a-sustainable-trend-updates-from-uli-research | 2023-12-03T17:22:45 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100508.42/warc/CC-MAIN-20231203161435-20231203191435-00788.warc.gz | 0.931031 | 341 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__245872394 | en | ESG: A Sustainable Trend - Updates from ULI Research
February 7, 2023
MACH attended the ULI conference in Washington D.C. in September. ULI is a thought leading organization with many lessons to impart, particularly from the annual ULI Emerging Trends report. The work is based on surveys of CRE (commercial real estate) professionals and research from ULI, PWC and others. A few interesting sustainability / efficiency data points from the report:
* - ESG (Environmental, Social and Governance) awareness is particularly high among Millennials. ESG work and performance is factored into investment decisions for 55% of Millennials and 25% of Gen X investors.
* - Other major investment issues for private equity investment decisions include energy efficiency (75% of respondents), sustainability governance (71%) and emissions / air quality (71%) (Source: PwC PE Responsible Investment Survey, 2019)
* - Data and Diligence : two survey respondents, a consultant to institutional asset managers and their client, stated they believe ESG monitoring as a part of the acquisition due diligence process can be associated with improved risk-adjusted returns.
* - Data and Due Diligence II : At MACH, we have heard from customers interested in leveraging our energy management software, energy reporting, budgeting and other functionality to help better diligence acquisitions. The visibility helps them move from guess-timates based on utility or tenant billing to more accurate forecasts, better post-purchase capital project outcomes and more insight into building operations or healthy buildings. More on better capital project outcomes here.
Check out the ULI press release here for more on the Emerging Trends report! | finance |
https://www.stewardlink.com/payment-eligibility-and-payment-limitations/ | 2024-04-21T15:43:15 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817780.88/warc/CC-MAIN-20240421132819-20240421162819-00259.warc.gz | 0.923341 | 1,335 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__87582892 | en | NEW ORLEANS, Feb. 13, 2023 – Agriculture Secretary Tom Vilsack announced the U.S. Department of Agriculture (USDA) is making funding available for agricultural producers and forest landowners nationwide to participate in voluntary conservation programs and adopt climate-smart practices. The Inflation Reduction Act (IRA) provided an additional $19.5 billion over five years for climate smart agriculture through several of the conservation programs that USDA’s Natural Resources Conservation Service (NRCS) implements. NRCS is making available $850 million in fiscal year 2023 for its oversubscribed conservation programs: the Environmental Quality Incentives Program (EQIP), Conservation Stewardship Program (CSP), Agricultural Conservation Easement Program (ACEP) and Regional Conservation Partnership Program (RCPP).
“The Inflation Reduction Act provided a once-in-a-generation investment in conservation on working lands, and we want to work with agricultural and forest landowners to invest in climate-smart practices that create value and economic opportunity for producers,” said Vilsack, who spoke today at the National Association of Conservation Districts annual meeting. “We know that agriculture plays a critical role in the nation’s effort to address climate change, we’re using this funding to bolster our existing programs, maximize climate benefits, and foster other environmental benefits across the landscape.”
The IRA funding includes an additional $8.45 billion for EQIP, $4.95 billion for RCPP, $3.25 billion for CSP, and $1.4 billion for ACEP. The increased funding levels begin in fiscal year 2023 and rapidly build over four years. These additional investments are estimated to help hundreds of thousands of farmers and ranchers apply conservation to millions of acres of land. Additionally, the IRA provides $300 million to quantify carbon sequestration and greenhouse gases (GHG) through the collection and use of field-based data to assess conservation outcomes. Information gained through this effort will be used to improve practices and technical assistance to customers. Further guidance on this important work will be provided as the implementation of this portion of the IRA continues.
These funds will provide direct climate mitigation benefits and will expand access to financial and technical assistance for producers to advance conservation on their farm, ranch or forest land through practices like cover cropping, conservation tillage, wetland restoration, prescribed grazing, nutrient management, tree planting and more. To ensure we can quantify the benefits of these IRA investments, NRCS is working to support Department-wide work on Measurement, Monitoring, Reporting and Verification (MMRV). The IRA provided targeted funding to support this effort. In administering the Inflation Reduction Act climate investments, USDA will also support other environmental co-benefits, including – among other things – water conservation, wildlife habitat improvements, and reducing runoff.
How to Apply
NRCS accepts producer applications for its conservation programs year-round, but producers interested in EQIP or CSP should apply by their state’s ranking dates to be considered for funding in the current cycle. Funding is provided through a competitive process and will include an opportunity to address the unmet demand from producers who have previously sought funding for climate-smart conservation activities.
For ACEP Agricultural Land Easements (ACEP-ALE) or Wetland Reserve Easements (ACEP-WRE), applications for the current IRA funding cycle must be submitted by March 17, 2023, for the first funding round. This year, NRCS will prioritize ACEP-ALE for grasslands in areas of highest risk for conversion to non-grassland uses to prevent the release of soil carbon stores. Meanwhile, NRCS will prioritize ACEP-WRE for eligible lands that contain soils high in organic carbon.
NRCS plans to roll out the next RCPP funding opportunity in early spring, which will include IRA funds from fiscal year 2023.
Other opportunities for agreements and partnerships at the state level will be announced for fiscal year 2023 in the coming months. The IRA provides funding to support those strategic partnerships with local, regional and national organizations. This will include outreach to underserved producers to ensure IRA climate funding is reaching those who have been previously unable to access conservation assistance.
Water Supply Investments
USDA also released today the Western Water and Working Lands Framework for Conservation Action that identifies 13 strategies that guide NRCS’s investments for helping agricultural producers and communities respond to the significant challenges resulting from threats to the water supply in the Nation’s most arid landscapes. Assistance delivered through these water-related strategies also helps build resilience to climate-change impacts such as droughts, wildfires and floods. Many of the resilience-focused activities and systems are also Climate Smart Agriculture and Forestry mitigation activities, which support carbon sequestration or greenhouse gas emissions reductions. Climate-smart mitigation activities are supported by the additional investments available from the IRA. As part of the Western Water and Working Lands Framework, USDA is also announcing and highlighting other drought focused investments, including the WaterSMART Initiative.
On Nov. 21, 2022, USDA published a Federal Register Notice requesting public input on implementation of the funding provided by the IRA and sought comments on program delivery and outreach, especially for underserved producers. That notice closed on Dec. 21, 2022, and NRCS received over 450 comments from the public, which the agency is using to guide actions in fiscal year 2023 and will continue to identify and adopt additional changes based on that public feedback in fiscal year 2024 and in future years.
On Aug. 16, 2022, President Biden signed the IRA into law. It is a historic, once-in-a-generation investment and opportunity for the agricultural communities that USDA serves. The IRA will help producers stay on the farm, prevent producers from becoming ineligible for future assistance and promote climate-smart agriculture by increasing access to conservation assistance.
USDA touches the lives of all Americans each day in so many positive ways. Under the Biden-Harris administration, USDA is transforming America’s food system with a greater focus on more resilient local and regional food production, fairer markets for all producers, ensuring access to safe, healthy and nutritious food in all communities, building new markets and streams of income for farmers and producers using climate smart food and forestry practices, making historic investments in infrastructure and clean energy capabilities in rural America, and committing to equity across the Department by removing systemic barriers and building a workforce more representative of America. To learn more, visit usda.gov. | finance |
https://elihotseo.com/insurance-coverage-for-carbon-offset-projects-and-carbon-credits/ | 2023-12-01T23:36:58 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100308.37/warc/CC-MAIN-20231201215122-20231202005122-00710.warc.gz | 0.917051 | 1,000 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__146858982 | en | As the world grapples with the challenges of climate change, carbon offset projects and carbon credits have gained significant attention. These initiatives play a vital role in reducing greenhouse gas emissions and achieving sustainability goals. However, like any other venture, carbon offset projects face inherent risks and liabilities. In this article, we will explore the importance of insurance coverage for carbon offset projects and carbon credits. By understanding the risks involved and the available insurance solutions, businesses and project developers can safeguard their initiatives and support the transition to a low-carbon economy.
Understanding Carbon Offset Projects and Carbon Credits
Carbon offset projects are initiatives that aim to reduce greenhouse gas emissions to counterbalance or “offset” emissions from other activities. They involve projects such as reforestation, renewable energy development, or energy efficiency improvements. Carbon credits are the units of measurement representing the reduction or removal of one metric ton of carbon dioxide equivalent (CO2e). These credits can be bought and sold, creating a market for emissions reductions.
Risks Associated with Carbon Offset Projects
Carbon offset projects face several risks and challenges. These include uncertainties in project validation, monitoring, and verification processes. Inaccurate or incomplete data can lead to risks related to the integrity of the credits generated. Additionally, the carbon market itself can be volatile, with fluctuating prices and regulatory uncertainties. Therefore, understanding and managing these risks is crucial for the success and credibility of carbon offset projects.
Insurance Coverage for Carbon Offset Projects
Insurance coverage plays a critical role in mitigating risks and protecting the stakeholders involved in carbon offset projects. Various types of insurance can be relevant, including general liability insurance, environmental liability insurance, and project-specific coverage for technology or operational risks. Tailored coverage is essential, considering the unique risks associated with each project phase, from development to verification and credit issuance.
Benefits of Insurance Coverage for Carbon Offset Projects
Obtaining insurance coverage for carbon offset projects offers several benefits. Firstly, it provides financial protection against unforeseen risks and liabilities, helping to safeguard project investments and potential revenue streams. Secondly, insurance coverage enhances project credibility and instills confidence in investors and stakeholders. It demonstrates a commitment to risk management and responsible project implementation. Lastly, insurance support can contribute to the long-term viability and scalability of carbon offset projects by facilitating access to project financing and reducing the perceived risks associated with the initiative.
Challenges and Considerations in Obtaining Insurance Coverage
While insurance coverage for carbon offset projects is essential, there are challenges to consider. Assessing and underwriting risks specific to carbon offset projects can be complex due to uncertainties in project outcomes and carbon market dynamics. Moreover, limited data and standardization in the carbon market can pose challenges in risk assessment and pricing. Affordability may also be a concern for emerging projects and innovative technologies. Overcoming these challenges requires collaboration among insurers, project developers, policymakers, and other stakeholders.
Real-world Examples and Case Studies
Several successful examples of insurance coverage for carbon offset projects exist. For instance, wind energy projects have obtained insurance coverage to protect against risks such as equipment failure or delays in construction. Collaboration between insurance providers, project developers, and independent verification bodies has been key to the successful implementation of insurance solutions. Lessons learned from existing projects and best practices can guide future initiatives and foster industry-wide resilience.
The Future of Insurance Coverage for Carbon Offset Projects
The future holds significant potential for innovative insurance products tailored to carbon offset projects. With advancements in technology and data analytics, insurers can leverage tools to better assess and manage project risks. Parametric insurance solutions that rely on predefined triggers and indices could offer faster claims settlement and streamline the insurance process. Collaboration among insurers, policymakers, and carbon market stakeholders is crucial for developing effective insurance frameworks and supporting the growth of the carbon offset market.
Insurance coverage is a crucial component in supporting the success and viability of carbon offset projects and carbon credits. By addressing the risks and liabilities associated with these initiatives, insurance provides financial protection and enhances project credibility. The availability of tailored insurance solutions for different stages of a carbon offset project is essential in managing uncertainties and fostering investor confidence.
While challenges exist, including risk assessment complexities and limited data in the carbon market, the industry is continuously evolving. Collaboration among insurers, project developers, and policymakers is crucial in developing innovative insurance products that meet the specific needs of carbon offset projects. Technology advancements, such as data analytics and parametric insurance solutions, offer promising avenues for streamlining insurance processes and improving claims settlement.
As the world moves towards a more sustainable future, insurance coverage for carbon offset projects will play a pivotal role. By managing risks and providing financial security, insurance supports the growth of the carbon offset market and accelerates the transition to a low-carbon economy. Continued exploration, collaboration, and knowledge sharing will drive the development of robust insurance frameworks that support the long-term success of carbon offset projects and contribute to a more sustainable planet. | finance |
https://turanoinsurance.com/about/ | 2023-12-03T21:14:37 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100508.53/warc/CC-MAIN-20231203193127-20231203223127-00573.warc.gz | 0.925885 | 225 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__269959507 | en | Thank you for taking the time to visit our site. If you have any questions, please don’t hesitate to reach out, we’d love to hear from you.
Established in 1974, we are a boutique independent insurance agency offering a comprehensive suite of insurance and financial services. We live where you live, we’re your neighbors and friends.We support our community and we’re accessible. Call and a real person you know will answer the phone. And we always provide a straight answer and sound advice. You are the focus of everything we do, and that’s why we build long-lasting relationships.
It means we are beholden to no one insurance company. It means we have one priority - you. Because we get to know you personally, our independence to choose from hundreds of carriers allows us to deliver you the best product at a price that works for your budget. Our goal and mission is simple: Make and keep you happy. Because when you’re happy, we’re happy. We strive to make your experience 100% hassle-free. | finance |
http://broadmooroutlet.com/2016/11/17/instant-cash-loans-debunking-the-myths-surrounding-hard-money-lenders/ | 2019-04-26T10:12:26 | s3://commoncrawl/crawl-data/CC-MAIN-2019-18/segments/1555578765115.93/warc/CC-MAIN-20190426093516-20190426115516-00513.warc.gz | 0.975115 | 482 | CC-MAIN-2019-18 | webtext-fineweb__CC-MAIN-2019-18__0__64063397 | en | When most people hear the term "hard money" loan, they most likely think about sinister lenders such as dealing with the mafia or something just as outlandish. The truth of the matter though is that there is nothing dangerous about this type of financing. There is a myriad of lenders that offer this alternate financing, and the reason for this is because there is a need for instant cash loans. Below are some of the myths surrounding hard moneylenders and instant cash loans debunked.
Myth 1: Instant cash loans are illegal
The first myth is that hard money refers to illegally acquired money. This is simply false. These types of loans are referred to as hard money loans since they can only be guaranteed by immovable property or asset. This means that the loan you are applying for will only be granted depending on how much value the asset you have put up has. They are a convenient option when you need fast cash, whether for shopping, medical emergency or investing, at short notice.
Myth 2: Hard money lenders are out to steal from you
The second myth about these loans is that shoddy individuals fund them. This mistruth stems from the fact that not many people understand the world of money lending. Granted, a hard money lender is not affiliated with a conventional bank. Conventional banks are governed by rules that have been issued by the government. As such, there is not much leeway when it comes to giving money to borrowers who do not meet their criteria. The greatest advantage of hard money lenders is that it is private financing. These businesses are privately funded and as such can overlook a number of shortcomings in your application as long as you meet their core requirements.
Myth 3: Instant cash loans have short borrowing periods
The third myth about these loans is that they need to be paid in the shortest time possible. This misconception may come from the stringent period of time that one has to utilise this loan, but it is not that short. When considering instant cash loans, your loan term will be determined by the amount of money that you require. The best way forward would be to conduct some due diligence on your part so as to know what different loan options are available to your particular situation. This, in turn, enables you to make an educated decision on what amount of money would make the most sense to borrow and if you would be able to pay it off in the allocated period. | finance |
https://www.claimscorpnetwork.com/ccn-and-enterprise-partner-to-improve-service-to-european-motor-policyholders/ | 2024-03-02T00:34:58 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947475711.57/warc/CC-MAIN-20240301225031-20240302015031-00407.warc.gz | 0.960061 | 688 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__156867148 | en | Claims Corporation Network (CCN) has signed a Europe-wide agreement with Enterprise Rent-A-Car to extend the wide range of services CCN offers the insurance sector by including the provision of a replacement car when a policyholder has an accident and needs mobility.
“CCN’s philosophy is to support clients in controlling and mitigating the total cost of claims with a platform that allows for fast, easy and simple claim handling and that delivers outstanding service. The cooperation is a perfect fit!” – Cees Werff, CEO of CCN
This agreement is the next step in CCN’s strategy to strengthen its European operational network by ensuring total market coverage and offering insurance companies a complete range of services that support policyholders through the claims process.
The range of CCN services already includes towing assistance, claims and repair management as well as repatriation and recovery (regress) of vehicles.
Partnering with Enterprise Rent-A-Car, part of the largest rental group in the world and also the leading provider of replacement vehicles, significantly reinforces the support that CCN can offer to insurance companies within its European Road Mobility service.
“Enterprise is a leading transportation solutions company with a strong heritage in providing replacement vehicles both in Europe and North America,” says Werff, “We are delighted to be partnering with Enterprise and we welcome this prominent global player to our network. Given Enterprise’s size, range of services and recognised commitment to customer service, we look forward to working together on a wide range of strategic projects that further support motor insurance companies and their customers across Europe.”
Enterprise Rent-A-Car was the first company to recognise the role that rental providers could play in ensuring mobility for motorists who have been involved in an accident and are waiting for their vehicle to be repaired.
Across key markets in North America and Europe, Enterprise has developed a business model that is specifically designed to meet the needs of replacement customers. With more than 9600 locations in over 85 countries, including many neighbourhood rental offices in local communities, Enterprise’s extensive branch network means vehicles are close to where customers need them when they have an accident.
Enterprise has also developed dedicated industry leading systems and software that manage data and streamline communication between the many organisations involved in handling a motor claim, from the insurance company to repairers, parts suppliers and salvage companies. This helps organisations to control cost and improve customer service.
Enterprise is recognised as being a leader in customer service, which is rigorously measured based on thousands of customer calls every month which are rated to arrive at a score for each branch. Branch managers can only be considered for promotion if their customer service score is higher than the company average.
“Providing replacement vehicles to motor policyholders is part of our history and of our heritage,” said Stuart Sandell, Director Replacement Division Europe at Enterprise Rent-A-Car. “It is core to our business in many countries across the world, and we have focused resources to develop knowledge, services as well as technologies to increase the value we bring to our partners. We are delighted to be working with CCN to support their vision of delivering more support to their customers. We look forward to helping to deliver better mobility at that critical point when a driver no longer has access to their own vehicle.” | finance |
https://www.eagllplaw.com/general-duties-of-a-trustee/ | 2024-02-27T11:12:18 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474674.35/warc/CC-MAIN-20240227085429-20240227115429-00675.warc.gz | 0.91782 | 329 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__80369265 | en | General Duties of a Trustee
A Trustee is a fiduciary, bound to follow the terms of the trust and act only for the advantage of the Trust’s beneficiaries. The following is a summary of some of the California statutory duties of a Trustee:1. Duty to administer the Trust in accordance with the terms of the Trust and the law.
2. Duty to be loyal by administering the Trust solely in the interest of the beneficiaries.
3. Duty to deal impartially with the beneficiaries; the Trustee cannot favor one beneficiary at the expense of another.
4. Duty to avoid conflicts of interest.
5. Duty to take control of and preserve Trust property.
6. Duty to make Trust property productive.
7. Duty to keep Trust property separate and identified; the Trustee cannot commingle the Trust property with his or her own property.
8. Duty to enforce claims of the Trust.
9. Duty to defend actions of the Trust.
10. Duty not to delegate the performance of acts that the Trustee can reasonably personally perform. The Trustee has a duty to exercise general supervision over persons to whom matters have been properly delegated.
11. Where there is more than one Trustee, each co-Trustee has a duty to participate in the administration of the Trust and take reasonable steps to prevent a co-Trustee from committing a breach of trust.
12. Duty to apply the full extent of the Trustee’s skills.
13. Duty to report information and account to the beneficiaries.
14. Duty to exercise discretionary powers reasonably. | finance |
https://v3trader.com/learning-to-dance-the-viennese-two-step/ | 2020-07-09T03:51:22 | s3://commoncrawl/crawl-data/CC-MAIN-2020-29/segments/1593655898347.42/warc/CC-MAIN-20200709034306-20200709064306-00412.warc.gz | 0.957295 | 1,151 | CC-MAIN-2020-29 | webtext-fineweb__CC-MAIN-2020-29__0__56653437 | en | For the past 24 hours, all eyes in the energy sector have been transfixed on Vienna.
Once again, what I have come to call the “Viennese two-step” at OPEC headquarters will translate into crude oil prices moving in the near term.
It also means I get little sleep as the networking among sources is in high gear – not exactly what I need after 22 hours of flights back from Singapore, but the intrigue here beats out jet lag.
The first step on the dance floor is what appears publicly in the press statements coming from the cartel. The second, on the other hand, is the net impact on actual volume in the market.
This latter step often plays out below the surface.
As I write this early on Friday, the world is once again awaiting a move from OPEC in conjunction with primary outside member Russia to bolster global crude oil prices.
The market briefly panicked yesterday when the cartel supposedly finished its meeting without a statement. However, this time around, several of the seasoned TV talking heads had this one right.
OPEC needs the support of Russia to reach an acceptable cut in worldwide production. And the Russian Energy Minister Alexander Novak didn’t even land in Vienna until last evening.
The Russians will contribute an effective cut of about 300,000 barrels a day to what is likely to be a cut in the range of 1 million barrels from OPEC (most of that, of course, coming from the Saudis).
That aggregate of 1.3 million barrels a day is at the high end of my prediction well known to Oil & Energy Investor readers. The ceiling there was a 1.4-0million-barrel cut.
However, an additional drain off from a Canadian decision to withhold an additional 300,000 barrels of heavy oil from the market means the overall cut will be much higher.
Whatever “public” announcement is made about the amount of the cut, the genuine “second step” will add 100,000 to 200,000 of cuts beyond that.
First, Venezuelan production will continue to contract, while Iraqi exports will cap, as increasing production levels there will not translate into appreciable rises in exports.
In other words, the recent oversupply problem we’ve had is looking to swing aggressively the other way.
In Vienna, Iran is largely a nonissue in all of this because it has an exemption from OPEC monthly production quotas.
Following this week’s announcement that Qatar is leaving the organization next month, Iran is now making sounds that it may pull a disappearing act of its own.
Now, Qatar adds only small amount to monthly cartel oil production, but it a major international provider of natural gas via liquefied natural gas (LNG).
Iran’s departure from OPEC, however, will result in a policy outlier for several major market players.
But Teheran is poised to redirect heavily in the LNG direction – with initial support from Chinese national companies – as U.S. sanctions have put advancing oil exports in doubt.
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America Joins the Dancers
All this is setting up an interesting Qatar-Iran-Russia development on the gas side with the Gas Exporting Countries Forum (GECF) emerging, as I noted in the last issue of Oil & Energy Investor.
Recall, as I have discussed here on several occasions, that the main problem in pushing global prices down was an eleventh-hour political stunt by the White House – providing last-minute exemptions to the eight largest importers of Iranian crude from the sanctions for 180 days.
For over a month, the market had been factoring in additional production aimed at offsetting the heavy declines expected in export availability from Iran.
When it became clear that the exports would still be allowed, the market was facing some heavy oversupply.
In the U.S., it will take several weeks to drain off the excess pumped up that has succeeded only in pushing down prices – and we’re seeing indications that that is now taking place with the declines in supply finally registering over the past several days.
As short artists attempted to squeeze out some last returns of what had been largely a final stage artificial downward push in oil prices, a more organized balance has set in.
Not without bumps in the road, of course.
But the impact of politics, at least for the moment, has been “trumped” by more valid market indicators.
The official OPEC-Russian communiqué is not yet out as I write this, but what my network is telling me seems to be settling in.
Crude oil prices are spiking up in both London (Brent) and New York (WTI) by more than 4%.
And if you’re looking for a way to make some money on oil as this happens, I urge you to take a look at this.
A massive $1.4 trillion oil discovery was found right here on American soil. And, if you play your cards right, you could be 12 times richer a year from now because of it…
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http://www.receipthog.com/faq.html | 2014-08-27T22:59:24 | s3://commoncrawl/crawl-data/CC-MAIN-2014-35/segments/1408500829916.85/warc/CC-MAIN-20140820021349-00435-ip-10-180-136-8.ec2.internal.warc.gz | 0.9338 | 537 | CC-MAIN-2014-35 | webtext-fineweb__CC-MAIN-2014-35__0__135568227 | en | Have a question and looking for the right answer? Look no further
It is similar, though instead of spending 15 minutes scanning products barcodes after each grocery trip, it only takes 30 seconds to snap a photo of your receipt!
Nope, Receipt Hog is now avaliable for both iPhone, iPod Touch, & All Android Devices.
For every qualifying grocery receipt you submit, you'll earn coins which are redeemable for charitable donations and cash. Active participants become eligible for additional rewards including exclusive coupons and special offers from the brands you buy.
Yes! Please contact us here and we'll follow up with details on how you can leverage Receipt Hog for a group fundraiser to raise money for your school, club, or other charitable organization.
No! We are a market research company that works with the leading consumer goods brands. Your receipt data along with the answers to any survey questions you answer will be made anonymous and summarized in market research reports for brands that purchase this data.
Receipts from ANY grocer, supercenter, club store, dollar store, drugstore, convenience mart or pet supply store count - regardless of what products you buy! Receipts from restaurants, apparel, home improvement, and gas-only purchases do NOT earn coins.
Receipt submissions must contain the retailer name, all items purchased, their prices, the date, and the total amount paid. If any of this information is illegible to a person transcribing your receipt, you may not earn coins.
Your receipt data along with the answers to any survey questions will be made anonymous and summarized in market research reports for brands that purchase this data.
Receipt Hog will NOT share participant names or identifiable contact information with any third party unless you provide us your express consent to do so. By default, this information will only be used as necessary for communications with you, for the management of rewards and payouts, and to help prevent fraudulent use of our services.
Please note that Receipt Hog will NOT see your credit or bank card numbers. The receipts you submit do NOT contain this information - only the last 4-digits of the card number are printed on receipts.
If you purchase any specific items that you don't want to make visible to Receipt Hog, simply mark over them before photographing the receipt so that they cannot be read. You may also simply not submit a receipt at any time for any reason - you are always in control of what information you share with us. Please note, however, that individuals who consistently submit all of their receipts will receive greater rewards and have a greater influence on the brands that leverage this anonymous data. | finance |
https://kansascity.yourihs.com/does-medicare-cover-stair-lifts/ | 2024-04-24T08:19:19 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296819089.82/warc/CC-MAIN-20240424080812-20240424110812-00093.warc.gz | 0.934995 | 482 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__74519552 | en | Does Medicare cover stair lifts? Unfortunately, the answer isn’t as straightforward as we’d like. But we’re happy to provide as much clarity we can on the topic, so let’s jump right in.
For many individuals facing mobility challenges, navigating stairs can be a daunting task. Stair lifts, also known as stair elevators or stair gliders, offer a practical solution by providing a safe and convenient way to move between different levels of a home.
Medicare, the federal health insurance program primarily for individuals aged 65 and older, typically covers certain durable medical equipment (DME) deemed medically necessary. This includes items such as wheelchairs, walkers, and hospital beds. However, when it comes to stair lifts, the situation is more nuanced.
In general, Medicare does not cover the cost of stair lifts because they are often considered to be for convenience rather than medical necessity. Since Medicare’s coverage is primarily focused on services and equipment that are directly related to medical needs and treatments, items like stair lifts may not meet the criteria for coverage.
However, it’s essential to note that there can be exceptions and variations in coverage depending on individual circumstances and specific Medicare Advantage plans. Some Medicare Advantage plans may offer coverage for certain home modifications or assistive devices that enhance mobility, including stair lifts. It’s advisable to carefully review the details of your Medicare plan or consult with your insurance provider to explore any available coverage options.
OTHER FINANCING OPTIONS
For individuals seeking financial assistance with the cost of a stair lift, there are alternative avenues to explore. Some state Medicaid programs may offer coverage for home modifications and assistive devices, including stair lifts, for eligible individuals with demonstrated financial need.
Additionally, there are nonprofit organizations and foundations that provide grants or financial assistance to help individuals afford essential home modifications and mobility aids. Researching these resources and exploring potential funding options can help alleviate the financial burden associated with purchasing a stairlift.
In conclusion, while Medicare typically does not cover the cost of stair lifts, there may be alternative avenues for obtaining financial assistance. It’s essential to explore all available options and consult with healthcare professionals and insurance providers to determine the best course of action based on individual needs and circumstances.
Questions about Medicare or other stair lift financing options? Contact us today! | finance |
https://www.calgaryhouseguide.com/blog/article/Will-housing-prices-drop-in-Calgary-Or-continue-to-go-up-in-2024/BL5FE5D86CFACC47 | 2024-04-22T23:13:23 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818374.84/warc/CC-MAIN-20240422211055-20240423001055-00102.warc.gz | 0.964033 | 608 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__174144117 | en | Will housing prices drop in Calgary?
Just a few days ago the Calgary Real Estate Board released its annual Forecast Report, where the board’s economists provide their analysis and insight into how they think the Calgary real estate market will respond to the economic conditions affecting our market for the rest of the year. The Forecast Report is an excellent resource that is relied upon by countless businesses and public institutions that touch the Calgary real estate industry, so in addition to our regular monthly sales update I will also delve into the report and provide my thoughts on their outlook.
In last month’s report we made the case that the overall pricing picture for Calgary real estate hasn’t changed that much, with pricing hovering around the low $570,000 mark since August of 2023.
Even though CREB does a great job with their analysis and reporting – and believe me, you will want to stay tuned for what we have to say about the Forecast Report – I do wish that CREB would report their pricing comparisons a little differently.
CREB compares the most recent month’s sales statistics with the statistics from exactly one year prior. So, January 2024 gets compared with the market conditions from January 2023. And when you do that, the story becomes “Prices have increased 10%!”
But that doesn’t really tell active buyers and sellers what they really need to know, which is that pricing has been FLAT for the last six months. That’s right, we’ve had no price growth for the last half-year in the Calgary real estate market.
The average price of all sales in Calgary in January was $572,300, basically the exact same price that’s been reported for the last six months. This is a far cry from double digit price growth, so sellers need to be mindful not to shoot for the moon when they put their houses on the market.
So, what does the Calgary Real Estate Board think?
CREB looks at many factors when making their sales and pricing forecasts for the year. They do a proper job of it, too, taking into consideration macro-economic factors such as provincial GDP growth, employment growth, international and interprovincial net migration, interest rates and a metric that will be under the spotlight a lot more in Calgary: housing starts. Considering all these factors, CREB is forecasting that the Calgary real estate market is going to hit the repeat button on last year’s performance, with a nearly identical set of numbers.
Prices are expected to increase by approximately 6.6% over 2023’s numbers and sales are expected to equal last year’s figures at just under 28,000 sales for the year.
If you’d like to discuss any of these variables further or you are considering a move here? We can help! Feel free to contact us directly at 403-809-2903 or email [email protected] | finance |
https://swbts.edu/news/releases/southwestern-makes-difficult-decisions-amidst-economic-uncertainty/ | 2020-04-03T11:37:38 | s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585370510846.12/warc/CC-MAIN-20200403092656-20200403122656-00376.warc.gz | 0.959576 | 802 | CC-MAIN-2020-16 | webtext-fineweb__CC-MAIN-2020-16__0__104021015 | en | Southwestern makes difficult decisions amidst economic uncertainty
FORT WORTH, Texas (SWBTS) – With the growing uncertainty in the nation’s current economic situation, Southwestern Baptist Theological Seminary finds itself in the unenviable position of making difficult decisions in an effort to protect the institution from future financial crisis. Following the Board of Trustees’ recommendations, reductions in the current budget are being made, including the temporary suspension of many overseas travel programs and adjustments to campus facilities.
Southwestern achieves its operating budget from four sources of income: endowment income, tuition and fees, charitable gifts and Cooperative Program funds. The devaluation of the stock market has affected Southwestern’s endowment similar to many other institutions of higher education. However, Southwestern’s endowment losses have proven to be affected less than other schools. President Paige Patterson noted that Southwestern must plan wisely in an effort to avoid tuition increases for the future since indications are that the economic strain on individuals will impact charitable gifts and Cooperative Program funds.
“The seminary’s Board of Trustees has advised that with the stress on Cooperative Program giving as well as the losses sustained in endowment common to universities all over America, Southwestern must substantially reduce the current and future budgets,” said Patterson. “The seminary’s administration has been working now for some months to achieve these reductions.”
“The administration is doing the best it can to find ways to cut spending that does not involve the release of existing faculty or the students employed by the school,” said Patterson. He went on to say that current economic trends would make this goal difficult to achieve.
As part of the cost-cutting measures, the administration chose to suspend the work of the Naylor Children’s Center on campus for at least the next 18 months. “Hopefully, the financial situation will reverse itself, but Southwestern is not able at this time to sustain the operation of the Naylor Children’s Center, which annually posts a deficit,” Patterson announced. Present work at the Naylor Children’s Center will be suspended as of December 31, 2008.
Southwestern has also suspended the Oxford Study Program and all of the Traveling Scholar overseas on-site study trips with the exception of those directly related to the 2+2 program in the Roy Fish School of Evangelism and Missions. The administration hopes to restore these trips possibly by 2010, but the administration points out that even this depends upon a rather dramatic reversal of present financial trends.
“We anticipate that other cutbacks in the budget will be necessary to ensure that Southwestern maintains its debt-free operational position and to be certain that revenues cover expenditures,” Patterson stated.
“This is a most regrettable circumstance and not of our own making,” said Patterson, “but as stewards before God, we are all responsible for handling matters with as much compassion and justice as we possibly can. The goal in the end is to have a strong seminary when the present financial crisis eases.”
The administration is hopeful that these changes will be temporary and that the nation’s economy improves. In the meantime, Southwestern prays these circumstances lead to renewed emphasis on spiritual matters and a national revival. Since its founding in 1908, Southwestern has weathered many financial storms, including two World Wars, the Great Depression and economic recessions. Trusting in the Lord’s providence, the seminary is thankful that the current decisions are precautionary and that Southwestern will continue to provide theological training for men and women for years to come.
Patterson noted, “In addition to praying for our own seminary, we also pray for all six of our seminaries, each of which is facing a similar situation. We also share concern for the churches, especially those with heavy indebtedness.” | finance |
http://www.shakers.org/join-support/make-a-gift/ | 2017-05-01T06:15:16 | s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917127681.84/warc/CC-MAIN-20170423031207-00032-ip-10-145-167-34.ec2.internal.warc.gz | 0.920104 | 1,421 | CC-MAIN-2017-17 | webtext-fineweb__CC-MAIN-2017-17__0__60217057 | en | Monetary gifts allow the Village to expand programming, restore buildings and add to the visitor experience by enhancing the interpretive programs.
Make a Gift
The Shakers cared for the poor and used their resources and profit for social good. Today Canterbury Shaker Village uses its resources to educate people of all ages about the Shakers’ innovations, industry, architectural achievements, stewardship of the land and artisanship through workshops, tours, exhibits and special events.
Admissions and auxiliary income are not enough to preserve this National Historic Landmark and Museum. We rely on regular financial contributions to support programming, maintain and restore our buildings, and improve our visitor experiences.
There are several ways you can help us in preserving and sustaining Canterbury Shaker Village:
A gift to the Annual Fund supports the current operating budget. It provides the Executive Director and Board of Trustees the ability to direct funds where they are needed most. Give online through our secure site. Click here to give.
If you prefer to send your contribution by mail, you may send your check, money order, or credit card authorization to the address below. Please do not send cash. Checks and money orders should be made payable to: Canterbury Shaker Village
Canterbury Shaker Village 288 Shaker Road
Canterbury, NH 03224
Or simply call the Development Office directly at 603-783-9077 x 220 to charge your gift by phone.
Find out if your or your spouse’s employer will match your gift by checking with your Human Resources Office.
The Village Visionaries are exemplary stewards of the Canterbury Shaker legacy. They provide annual support for the museum’s programs, exhibitions, preservation projects and scenic gardens and grounds. Their multi-year membership pledge of support is essential to the preservation of Canterbury Shaker Village and the creation of an exceptional visitor experience. Click here for more details on membership levels.
To become a Village Visionary complete our online pledge form, ask for information in person at the Admissions Desk or contact the Development Office directly at 603-783-9077 x 220.
Gifts of Securities & Mutual Funds
Making a gift of securities is both simple and tax efficient because you receive a double tax benefit. With a gift of appreciated securities, you are entitled to a federal income tax charitable deduction if you itemize your return. For appreciated securities held longer than one year, you may deduct the full fair market value of your gift. A second tax benefit with a gift of appreciated securities is that you avoid any capital gains tax. Securities may be transferred through your broker or by delivery of the securities to Canterbury Shaker Village. If the Securities are Depository Trust Company (DTC) eligible, they may be transferred electronically to our asset manager at TD Wealth Management. To make a gift of appreciated securities please contact:
Todd Mills, Sr. Investment Advisor: todd.mills(at)td.com, 207-756-6832
Megan Tolstenko, Private Client Service Associate: megan.pouliot(at)td.com
TD Private Client Group, a business of TD Wealth®
300 Franklin Street, Manchester, NH 03101
T: 603-695-3401, F:603-647-1297
If You are looking for…
- guaranteed income for life
- a tax deduction this year, retirement income for future years
- increased income from low-yielding, highly appreciated securities
- a way to create pension income for a long-time family employee
- a way to offer financial assistance to a relative
- a way to provide tuition assistance to children or grandchildren
- strategies for preserving the value of assets you pass on to your heirs
- the feeling that comes from making a significant charitable contribution
…a Planned Gift can benefit you as well as Canterbury Shaker Village and other charitable organizations that you value.
Eldress Bertha Lindsay Legacy Society
The Eldress Bertha Lindsay Legacy Society was founded in 1996 by Friends of the Village who wished to honor the last Shaker Eldress. Eldress Bertha Lindsay dearly loved her Shaker home and pioneered the effort to preserve it for future generations. The Society is composed exclusively of donors who have contributed a minimum gift of $10,000 to the growth of the Village’s Endowment or Collections through bequests, trusts or other planned giving instruments. Members of the Eldress Bertha Lindsay Legacy Society are recognized publicly every year and invited to special events at the Village.
The lasting impact of bequests—both large and small—has helped shape CSV today. For many members and friends of CSV, a charitable bequest is the easiest and best way to make a gift to the Village. By means of your will or other estate plan, you can name CSV as the beneficiary of a portion of your estate, or of particular assets in your estate. Many of the most powerful gifts with an enduring impact have been bequests.
There are many reasons to make a bequest. A bequest allows you to honor a loved one, while providing critical support to the Village. Giving by bequest costs nothing now, yet it may give you a great deal of satisfaction to know that your future gift will live on.
Gifts of IRAs/Retirement Plan Assets
You can designate CSV as a beneficiary of part or all the remainder of your IRA or retirement plan. Distributions from retirement plans at the death of the survivor of the account-holder can be subject to both income and estate taxes. In a large estate, these taxes can leave less than 30 cents on the dollar of the plan’s balance for your children or other heirs. By naming CSV as the beneficiary of the remainder of your retirement plan, 100 percent of the plan’s balance is available for CSV’s use, since the distribution avoids both income and estate taxes. To make this type of gift, notify your plan’s administrator and submit a “change of beneficiary” form.
Gifts of Life Insurance
If you have more insurance coverage than you need, you may consider giving CSV a paid-up policy. By transferring the ownership of your policy to CSV, you receive a charitable income tax deduction equal to the policy’s cash surrender value or cost basis, whichever is less.
Gifts That Pay You Income
Life income plans enable you to make a meaningful gift to CSV while receiving significant income and tax benefits. There are several different types of life income gift arrangements available. These include charitable remainder trusts, gift annuities, and pooled income funds.
With a charitable lead trust, you can make annual gifts to support an area of interest to you at CSV for a term of years, typically between 10 and 20.
Please consult your financial advisor for more information and call the Business Office at 603-783-9077 X 204 to learn more about these gift giving opportunities. | finance |
http://fcathailand.com/2016/06/17/thai-government-revenue-announcement/ | 2018-02-21T08:59:17 | s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891813602.12/warc/CC-MAIN-20180221083833-20180221103833-00226.warc.gz | 0.976163 | 430 | CC-MAIN-2018-09 | webtext-fineweb__CC-MAIN-2018-09__0__261488167 | en | Thai government announces total revenue of THB2.69 trillion for first 8 months of fiscal year
As of May 3 2016, the Government Financial Management Information System had collected THB2.69 million in revenue from state agencies as well as contributions from state-owned enterprises for the first 8 months fiscal period ending in 2016.
In addition overall government spending was on track according the director-general of the Comptroller-General’s Department, Manas Jamveha who said that 65.77% of the total THB2.72 trillion had been spent in the first 8 months.
It perhaps comes as little surprise that the greatest proportion of the revenue came from VAT amounting to THB50.81 billion which equates to 17.36% of all the tax received. Corporate income tax and personal income tax made up 10.4% and 8.43% respectively. The tax generated from oil and gas products made up 4.44% of the overall revenue.
It has been predicted that tax revenue generated will increase again in the period of May compared with the previous year with figures suggesting that there has been a slight improvement in the economy over the last 12 months. State spending is also expected to increase to help boost the economy in conjunction with the government’s economic stimulus measures. These measures are intended to boost living standards throughout the country and to expand the economy.
The long term benefits from a social perspective are quite apparent although the increased tax revenue is not welcomed by all with some in business claiming that taxes are too high and stunting economic growth. The One Book Accounting System that was brought in earlier this year is viewed as a tactic to reduce tax evasion and has once again received a mixed welcome.
As the government pushes forward with their attempts to increase transparency and reduce corruption there will no doubt be further conflicts and more questions asked. The government is looking to close all loopholes relating to tax so it is likely that tax revenue will increase again during the final 4 months of the fiscal year. This when coupled with the growing confidence in the economy suggests that budgets may again increase in the 2017 fiscal year. | finance |
https://www.ncai.org/resources/resolutions/call-for-irs-to-defer-to-the-department-of-the-interior-on-characterization-of-tribal-trust-funds | 2023-02-06T10:20:16 | s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764500334.35/warc/CC-MAIN-20230206082428-20230206112428-00298.warc.gz | 0.926669 | 1,099 | CC-MAIN-2023-06 | webtext-fineweb__CC-MAIN-2023-06__0__84265203 | en | The National Congress of American Indians
TITLE: Call for IRS to Defer to the Department of the Interior on Characterization of Tribal Trust Funds
WHEREAS, we, the members of the National Congress of American Indians of the United States, invoking the divine blessing of the Creator upon our efforts and purposes, in order to preserve for ourselves and our descendants the inherent sovereign rights of our Indian nations, rights secured under Indian treaties and agreements with the United States, and all other rights and benefits to which we are entitled under the laws and Constitution of the United States, to enlighten the public toward a better understanding of the Indian people, to preserve Indian cultural values, and otherwise promote the health, safety and welfare of the Indian people, do hereby establish and submit the following resolution; and
WHEREAS, the National Congress of American Indians (NCAI) was established in 1944 and is the oldest and largest national organization of American Indian and Alaska Native tribal governments; and
WHEREAS, the NCAI adopted Resolution #LNK-12-010 at its 2012 Mid-Year Session in Lincoln, Nebraska calling for the Internal Revenue Service (IRS) to cease unlawful efforts to tax tribal trust per capita payments, which are directly derived from tribal trust resources, and NCAI adopted Resolution #SAC-12-052 at its 2012 Annual Convention in Sacramento, California calling for the IRS to immediately issue a decision declaring that trust per capita payments are non-taxable; and
WHEREAS, NCAI greatly appreciates that on March 10, 2014 the IRS issued Notice 2014-17 providing “interim guidance” concerning the taxability of tribal trust per capita payments, and inviting comments by September 17, 2024 prior to issuance of final guidance; and
WHEREAS, Notice 2014-17 correctly states that tribal trust per capita payments are exempt from taxation pursuant to federal law as a “general rule” but goes on to describe in detail three “exceptions” involving the “mischaracterization” of taxable personal income as non-taxable per capita distributions; and
WHEREAS, the three “exceptions” set out in Notice 2014-17 describe the “mischaracterization” of taxable compensation for services, non-trust business profits mischaracterized as trust land lease payments, and taxable gaming revenues mischaracterized as trust land lease payments, all of which are activities related to deposits and withdrawals from tribal trust accounts managed by the Office of the Special Trustee (OST) in the U.S. Department of Interior and tribal trust and restricted fee land leases approved and managed by the Bureau of Indian Affairs; and
WHEREAS, NCAI and its member tribes are very concerned that Notice 2014-17’s detailed description of “exceptions” to the tax exemption accorded tribal trust per capita payments will result in the IRS undertaking additional intrusive and unnecessary audits and examinations of tribal financial, enrollment and other internal records. Any questions or concerns the IRS may have regarding possible “mischaracterization” of trust per capita payments should be addressed to the OST and BIA through proper intra-governmental consultations between Treasury and Interior department agencies; and
WHEREAS, the Department of Interior regulations at 25 C.F.R. § 115.702 already include a process where Interior reviews the source of tribal funds for inclusion in a trust account; and
WHEREAS, it is the policy of the Department of Interior to maximize tribal revenue from tribal trust and restricted fee land through leasing and other business activities.
NOW THEREFORE BE IT RESOLVED, in order to prevent unnecessary IRS audits of tribal records resulting from any per capita guidance and to prevent conflict with Interior regulations and policy, NCAI member tribes call on the IRS in its final guidance on the tax exemption accorded tribal trust per capita payments to omit the three stated “exceptions” to the tax exemption; and
BE IT FURTHER RESOLVED, that the NCAI member tribes call on the IRS to include in the final guidance regarding the tax exemption for tribal trust per capita payments a prominent direction that:
“The IRS shall defer to the Department of the Interior and its regulations and decisions on the characterization of trust funds and on tribal trust and restricted fee land leases, and will address any questions or concerns regarding possible mischaracterization of taxable tribal payments as tax-exempt per capita payments through appropriate consultations with the OST and the BIA.”; and
BE IT FURTHER RESOLVED, that the IRS shall confirm that issues regarding tribal trust accounts and tribal trust and restricted fee land leases shall be addressed through consultations with the OST and BIA, and that NCAI member tribes and their citizens shall not be subject to audits or examinations regarding trust per capita payments made pursuant to the Per Capita Act prior to consultation with OST and BIA; and
BE IT FINALLY RESOLVED, that this resolution shall be the policy of NCAI until it is withdrawn or modified by subsequent resolution.
The foregoing resolution was adopted by the General Assembly at the 2014 Mid-Year Session of the National Congress of American Indians, held at the Dena'ina Civic & Convention Center, June 8-11, 2014 in Anchorage, Alaska, with a quorum present. | finance |
http://www.capetown.travel/blog/entry/cape_town_crowned_best_tourism_investor_city | 2016-07-27T21:32:22 | s3://commoncrawl/crawl-data/CC-MAIN-2016-30/segments/1469257827079.61/warc/CC-MAIN-20160723071027-00191-ip-10-185-27-174.ec2.internal.warc.gz | 0.937656 | 276 | CC-MAIN-2016-30 | webtext-fineweb__CC-MAIN-2016-30__0__90492400 | en | March 25, 2009
Cape Town crowned “Best Tourism Investor City”
Cape Town Tourism is the proud recipient of the Best Tourism Investor City of the Year award, in the Africa Investor (AI) Tourism Investor Awards 2009.
The awards were organised in partnership with the Government of Mozambique, and the awards event was held in Maputo on February 27, 2009.
Tourism Investor is published by Africa Investor, an investment strategy and research group. According to AI, the publication is “Africa’s leading magazine for international tourism and hospitality investors”, with a circulation of over 20 000, and a readership of roughly 160 000 per copy.
Photo courtesy flickrbug
The awards recognise individuals, organisations, businesses and governments that have contributed to growing sustainable investment in the tourism sector within Africa. Categories include Best Business Resort, Best Business Airline, Best Sustainable Tourism Initiative, and Hotel Investment of the Year.
Winners were selected by a panel of judges, including Geoffrey Lipman, the special advisor to the Secretary General of the World Tourism Organisation.
Cape Town came out on top from a short list that included Port Louis (Mauritius), Nairobi (Kenya), Sharm Al Sheikh (Egypt), Calabar (Nigeria) and Gaborone (Botswana). | finance |
https://globaltax.services/insights/dutch-30-ruling-what-eligibility-requirements-application-process-how-to-apply/ | 2023-09-24T12:39:26 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506646.94/warc/CC-MAIN-20230924123403-20230924153403-00177.warc.gz | 0.955136 | 4,370 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__93262592 | en | What is the 30% ruling (also known as “30% facility”)
The 30% ruling is a Dutch expatriate tax regime. It is designed to facilitate the hiring of employees with special skills or expertise from abroad to the Netherlands.
Under application of the 30% ruling, the employer may pay out part (thirty percent) of the employee’s salary tax free.
Essentially, the 30% ruling allows the employee to receive a higher net salary without an increase in employer’s costs.
Apart from the usual obligations connected with payroll processing, there are no other responsibilities or liabilities for the employer.
The tax-free allowance is intended to cover so-called extraterritorial costs (regardless of the actual amount of any such costs incurred), which are costs that originate from the fact that the employee is working in a different country than his country of origin.
The employer and employee do not have to prove the existence of such extraterritorial expenses to receive the tax-free allowance.
The Dutch tax authorities may grant the 30% facility to foreign employees who are hired (i.e. payrolled) from abroad by a legal entity or branch based in the Netherlands, and who meet certain additional conditions (see further below).
It is therefore worth bearing in mind that simply moving to the Netherlands as a self-employed individual / without being hired / payrolled by a Dutch entity or branch, it is not sufficient to take advantage of the 30% ruling as the facility is designed to be applied via a Dutch payroll and not by filing a Dutch tax return.
It is also worth noting that the 30% ruling, once granted, is applicable to all wages from current employment (including e.g., bonus amounts, equity incentives and the private use of the company car) but not to severance payments.
An important additional benefit of the 30% ruling is the fact that the employee may choose to be treated as a non-resident Dutch taxpayer for income derived from substantial interests (owning 5% or more in a company) and income from savings and investments.
This also means that other non-employment income not sourced from the Netherlands (such as for example from rental property located abroad) will also not be taxable in Holland.
Eligibility requirements for the 30% ruling
The main eligibility criteria for the 30% facility are:
Hired from abroad
The employee needs to be recruited from abroad or assigned from abroad to the Netherlands.
Non-resident directors of a Dutch company may also qualify for the facility.
150 KM from the Dutch border
The employee must have been living, prior to his recruitment or assignment to the Netherlands, at least 150 km from the Dutch border during 16 out of 24 months.
However, this condition does not apply to PhD students who graduate or have graduated in the Netherlands (or within the 150 kilometer-radius) and have started their employment in the Netherlands within one year of graduation.
The employee needs to earn a taxable employment compensation of at least €38,961 (this minimum threshold was €38,347 in 2020 and €37,743 in 2019).
Alternatively, if he/she is younger than 30 years of age and has a Dutch master’s degree (university level) or foreign equivalent, the minimum required salary is €29,616 (this minimum threshold was €29,149 in 2020 and €28,690 in 2019).
Employees must have specific knowledge or expertise that is scarce on the Dutch labour market.
The specific expertise requirement is deemed to be fulfilled if the salary thresholds mentioned above are met.
Furthermore, employees should fulfil the specific expertise condition on a continuous basis.
In other words, they have to meet the salary requirement throughout the entire period for which the 30%-facility is granted.
If the salary requirement is not met at any given time, the 30% facility will cease to be valid (even if it has already been granted) immediately with retroactive effect for that year and can no longer be used.
Agreement in writing between employer and employee
Application of the 30% ruling must be agreed in the employment agreement or an addendum thereto and submitted as a joint request for (or on behalf of) both employer and employee.
Applicability period of the 30% ruling
The 30% ruling may be applicable for a maximum period of 5 years / 60 months.
The Dutch Government had previously decided to shorten the maximum applicable period from 8 to 5 years from 1 January 2019.
However, after a series of consultations, they have revised the end date of the previous maximum 8-year period to 31 December 2020 for 30% facilities with an original end date between 2021-2023.
For those 30% facilities originally ending in 2024 or later, the revised end date of the 30 ruling is 3 years less the original end date.
30% rulings where the original end date was in 2019 or 2020, have remained unchanged with an 8-year maximum period being applicable.
Note that any periods, exceeding 20 days in each calendar year, of earlier work or stay in the Netherlands, in the prior 25 years, will be deducted from the maximum period of application.
Furthermore, if the presence in the Netherlands has been for personal circumstances and was:
(a) no more than six weeks each calendar year; and/or
(b) a one-off continuous stay of 3 months, the duration period of the 30%-facility will not be reduced by these periods of previous stays.
The 30% ruling must be filed within 4 months after the start of the employment to obtain retroactive effect to the start date of the employment.
A later application may still be successful, but the start date of the 30% ruling will then shift to the first day of the month following the application and the first months will be deducted from the maximum period of application.
If the employee changes employment and if he/she and their new employer wish to continue the 30% ruling, a new request must be filed for the new employment.
The period between the end of the old employment and the beginning of the new employment may not exceed 3 months.
30% facility application process explained
The 30% ruling application must be made in writing, using a paper form (link provided in this article below) and sent to the Belastingdienst (Dutch Tax Office).
The application must be supplemented with supporting documentation (see below for a checklist of documents to enclose).
Ideally, a complete request is made with the initial submission, meaning that all the required information and documentation is provided in one instance.
This facilitates the application process and improves the chances for a speedy and favourable decision.
However, an incomplete application may at times need to be submitted in order to meet the deadline.
Timelines and deadlines of the 30% facility process
The deadline for the initial application is 4 months after the start of the employment for which the application is made so that it can have retroactive effect from the start of the employment.
Processing time is usually between 8 and 12 weeks after submission of the complete application to the Dutch tax authorities.
An incomplete application will still be considered as valid in terms of meeting its deadline.
Therefore, if not all necessary information is available within 4 months after the start of the employment, an incomplete application is still submitted to “save” the deadline.
The Dutch tax authorities will then ask for any missing information and allow for some additional time to provide it thus delaying their decision.
In anticipation of a positive outcome, the 30% ruling may be applied to the payroll even though it has not yet been formally granted. However, in this scenario, in case of a subsequent refusal, the payroll then has to be adjusted and the tax free cost allowance taxed.
Checklist of documents in support of the 30% ruling application
- Employee’s resumé / curriculum vitae
- Employee’s copy of passport (page with personal details and signature)
- Copy of employment agreement / assignment letter
- Copy of job description
- Employee’s address (including previous stay in the Netherlands, if any)
- BSN number
- Proof of residence abroad (copies of utilities’ bills, excerpt of municipal register and so forth) covering at least the period of 24 months prior to arrival in the Netherlands, including preferably one bank statement per month containing a cash withdrawal or a card payment
- Employee’s residence / work permit
- Employer’s Dutch company details (including industry sector code) and wage tax number
- Prior 30% facility decision(s), if any
- Employer’s and employee’s Power of Attorney (if the application is submitted on their behalf) with wet signature provided as no digital signatures are currently being accepted for this type of documentation.
- Addendum to the employment agreement regarding the 30% facility (if the 30% facility requirement is not already sufficiently covered in the employment/ assignment agreement)
Practical examples illustrating how the 30% ruling is applied
An employee has a salary of €150,000 and meets all the other conditions to qualify for the full 30% ruling. This means that after applying the 30% ruling to his payroll, his taxable salary will be €105,000 thus enjoying a tax-free allowance of 45,000.
Another employee has a salary of €55,000. If the 30% ruling would be applied in full to her payroll, her taxable salary would be €38,500. This is lower than the mandatory salary and therefore not allowed. In this case, she would only benefit from the 30% ruling partially, for a maximum amount of €55,000 minus €38,961 (the minimum salary threshold requirement for 2021) = €16,039 tax-free allowance.
How to apply for the 30% ruling yourself
It is possible to apply for the 30% ruling directly yourself.
Cases of employers and employees successfully filing the application on their own are not uncommon.
The requirements and supporting documentation don’t change.
However, this option should be carefully considered as the application might be denied if the Dutch tax authorities, for instance, review the employment contract and it does not contain the necessary and legally compliant language.
In fairness, not all parts of the application and supporting documentation may always be fully reviewed during the application process.
However, if there is a subsequent audit on the Dutch employer which picks up on information being supplied as being non-compliant with the granting of the 30% ruling, it could lead to a retroactive denial.
If both employer and employee wish to proceed with a joint application on their own, they will need to complete the 30% ruling application form (link here) and send it to the address provided.
It is always advisable to send the complete application and all supporting documentation by recorded delivery which includes confirmation of delivery.
The Dutch tax authorities will then send a letter confirming receipt and subsequently, within the time frame previously mentioned of 8-12 weeks, either:
- Request additional information;
- Deny the 30% ruling;
- Grant the 30% facility.
If the Belastingdienst request additional information as a result of documents being missing, you should send the requested documentation as soon as possible.
However, if Dutch Tax Office has specific questions which are technical in nature, you may want, at this stage, to enlist the help of an expert professional on 30% ruling applications.
Should the application be denied, an objection can be filed within 6 weeks.
If, the Dutch tax office, upon reviewing your objection, still denies the granting of 30% ruling and in the meantime, it was being applied to the payroll, then an adjustment is needed.
The adjustment will more than likely result in the 30% tax free allowance enjoyed until that point due to be paid back either as a one-off payment to the Dutch tax office or, if possible, spread over the course of the next few payrolls as an additional deduction.
If the 30% ruling is granted, employee and employer should check the confirmation letter and ensure the data reported (i.e. company wage tax number, BSN number, the duration of the ruling, etc.) on it is correct.
If any details are incorrect, you should reply to the letter within 6 weeks highlighting any discrepancies found.
Once all details on the confirmation letter have been verified to match those on the application submitted, the 30% ruling can be applied to the monthly payroll.
If the 30% ruling was already being applied in anticipation of a positive outcome, then no adjustment is needed.
However, if the employer’s payroll up until that point did not apply the 30% facility already, the 30% tax free income can be applied retroactively until the start date of the 30% ruling.
This can be done as a one-time salary recalculation which will result in a refund being issued.
It is also worth mentioning that the 30% ruling is subject to an annual review by the Belastingdienst and therefore it is advisable that each year-end all the relevant information is checked to ensure it is still up to date and accurate.
30% ruling FAQ
What is considered salary?
Regular employment income from the current employment is the basis for calculating the 30% tax free allowance.
Special rules apply to pension premiums. However, bonuses, holiday allowance, benefit package and company car all fall under the 30% ruling remit.
Severance payments do not fall under the 30% ruling definition of regular employment income from the current employment and therefore do not qualify for the 30% tax free allowance.
If an employee is made redundant, it is important that they have a breakdown of the redundancy package so it can be determined which part is payment in relation to bonus, outstanding holiday allowance, etc. and which part is the actual severance payment.
Stock options, RSU, shares incentive plans and other equity relating income follow the general principle that the basis of the 30% ruling is the income from current employment that is earned during the period in which the 30% ruling is applicable.
In general, the 30% ruling does not apply to salary that becomes taxable after the termination of employment.
This means that prima facie it is not possible to apply the 30% ruling on stock options that become taxable after the last day of the employment.
However, when such income becomes taxable in the month following the month of termination, the 30% ruling may still be applied (provided it is still within the granted duration period).
It is therefore often more beneficial to exercise options before (or immediately after) the termination of an employment in order to take advantage of the 30% ruling for this type of income.
Is there a mandatory requirement for the employer to file a joint application with their employee/s.
No, the employer is under no obligation to file a joint application with the employee/s.
Can you apply or re-apply for the 30% ruling if you start your own business?
If you are employed in Holland and have been granted the 30% ruling, it is still possible to start your own business and keep the benefits of this facility.
Your business should be set-up as a B.V. that pays you an employee salary.
The B.V. should then apply for the 30% ruling on your behalf.
The application should be submitted within 3 months of changing employment and the employment contract needs to contain the appropriate wording required for a successful 30% ruling application.
We are hiring an individual within the Netherlands, is it still possible to successfully apply for the 30% facility?
Employees recruited from within The Netherlands can still successfully apply for the 30% ruling.
They will have to demonstrate that either:
- they are moving from abroad to The Netherlands for their job, or
- if they already work in The Netherlands for another employer, that they are still eligible for the 30% ruling in the new employment.
There are some other caveats and conditions to be met but ultimately employing someone who is already in The Netherlands does not automatically deny granting of the 30% ruling.
Are there any limits on the 30% tax free allowance?
Currently there are no caps. Therefore, even if someone had a 100 million euros salary, if they are granted the 30% facility, their taxable salary will still be 70 million euros with a 30 million euros tax-free allowance being granted.
Is it possible to keep the 30% ruling if I change employment / get the 30% ruling twice?
It is indeed possible to obtain the 30% ruling for a new employment, as this is a change of employer situation which is allowed under the 30% ruling.
However, there is still an application to be filed so that the Dutch tax authorities can review if the 30% ruling can be continued with the new employer.
The usual eligibility criteria will apply and, in addition, the gap between the end of the old employment and the start of the new employment may not exceed 3 months.
Are there any categories of employees excluded from the minimum salary requirements of the 30% ruling?
Scientific researchers, employees working in scientific education or doctors in training, have no minimum salary requirement. However, there are restrictions on the companies or institutions this group of employees can work for.
Is it possible to retrospectively apply for the 30% ruling?
If you didn’t apply for the ruling despite being eligible for it (for example because the application was never submitted or the employer did not want to be part of the process), it may still be possible to apply.
You might have missed one or two years of the 30% facility benefits but it is still worthwhile to obtain the ruling.
The Belastingdienst will just reduce the total duration of the ruling by the period you have already resided in the Netherlands.
Is the 30% ruling accessible to Dutch nationals?
The 30% ruling is not discriminatory per se against Dutch nationals.
What is important is that the employee has lived outside the Netherlands for sufficient time, so that any periods of earlier work or stay in The Netherlands, that would reduce the maximum period of applicability of the 30% ruling, can be ignored.
Any periods of earlier work or stay in The Netherlands that ended in the 25 years prior to arrival for the new role in Holland need to be deducted from the maximum period of applicability (5 years / 60 months).
As mentioned above, there are some exceptions to the period taken into account for this rule like for example brief visits for holiday, family, and limited days of work in the Netherlands.
Is the 30% facility accessible to non-expats?
An individual does not have to be an expat to meet the requirements of the 30% ruling.
A local hire under a standard Dutch employment contract may also be eligible for the 30% facility.
Is foreign salary included in the minimum salary requirements?
The Dutch tax authorities have clarified they will take into account employee’s income from current employment.
This effectively means that someone receiving a split salary paid part in The Netherlands and part in a foreign location will have the entire worldwide income counted towards the minimum salary threshold to qualify for the 30% facility.
Is salary from part-time work apportioned in calculating the minimum salary requirements?
There are no specific rules for part-timers hence you should assume the usual threshold used for full-time workers remain applicable in determining eligibility for the 30% ruling.
Are there special 30% ruling concessions for employees on parental leave?
Yes, special provisions do exist for employees on parental leave.
Is it possible to accrue pension contributions taking advantage of the 30% tax-free allowance?
Yes, it is. Employers are under no obligation to agree to it. In practice though, this mechanism is often well-aligned with the pension providers.
Is garden leave also covered by the 30% ruling?
The Belastingdienst have clarified they consider garden leave payments not as income from current employment if it extends to more than one month following the month in which the active employment activities are terminated.
Continuation of the 30% ruling with another Dutch employer may also be jeopardized when there is more than three months’ time between the start of gardening leave and the date a new employment agreement with a new employer is executed.
How may a global mobility tax services specialist help with your 30% ruling needs
A specialist in global mobility and international tax services is well positioned to assist with:
- Reviewing your 30% ruling application and giving advice on whether employers and employees need to provide anything still missing before submitting the application.
- Running a preliminary assessment of your personal circumstances to confirm whether your 30% ruling application is likely to be granted.
- Helping employers apply the 30% ruling to their monthly payroll runs.
- Supporting you with post application enquiries made by the Belastingdienst.
- Providing assistance with complex cases involving relief from active working activities and/or various equity benefits.
Contact us should you require further clarifications on the 30% Dutch ruling and/or have a look at some of the other insights we have published. | finance |
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https://www.rocksendfarm.ca/post/how-do-you-set-your-prices | 2022-12-07T17:22:57 | s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446711200.6/warc/CC-MAIN-20221207153419-20221207183419-00632.warc.gz | 0.963798 | 2,189 | CC-MAIN-2022-49 | webtext-fineweb__CC-MAIN-2022-49__0__27723456 | en | I get asked a lot about prices for farm-direct products – what is a “good” price for x,y,z? Why do some farmers charge more than others? How do you set your prices? First of all, if you’re reading this, you’re probably interested or actively supporting local and ecological agriculture. So suffice it to say that the whole concept of setting prices is totally different at the scale of a small-to-medium sized farm directly selling to consumers than it is for, say, Loblaws trying to decide how to price a pineapple. I think it’s fair to say that most local, ecological farmers are working extremely hard and trying to be as efficient as they can. They are earning enough for them to justify keeping on – whatever that means for that farm. Some earn more than others, but by and large the prices that they charge are their best attempt to bring a quality product to market at the best price they can. If you’re curious, ask! Don’t be shy – a good way of asking is to say, “How do you set your prices?” If asked with respect and curiosity it will not be an offensive question. Why is local, organic food so much more expensive than grocery store prices? So here are some things that you already know about supporting local, organic agriculture, but I’m going to remind you: There are so many reasons to pay for local, sustainable agricultural products: food quality, variety, biodiversity, pollinators, agricultural heritage, water quality, soil quality, nutrient density, animal welfare, local economic benefits, community resilience…the list can go on, and on. Yes, locally produced, ecologically produced food costs MORE than what you can get at the grocery store. But when you buy from local, sustainable farms, you are bearing the true cost of the food produced. When you see a price at the grocery store think about what you are NOT paying for – because rest assured somebody else is paying it. Somebody is paying for those fossil fuel subsidies to ship the product across an ocean; somebody is bearing the burden for exploitative wages to bring the harvest in; somebody is paying for soil depletion and water pollution when agriculture strips the soil and fills watersheds with pesticide, fertilizer and manure runoffs. When you support local, ecological agriculture the price you are paying for grassfed beef or lamb, for example, is also sequestering significant amounts of carbon back into the soil, fighting climate change. The price for organic local broccoli is also paying for a habitat for pollinators, birds, and wildlife and protecting biodiversity. When you buy locally produced pastured pork you are paying for those pigs to enjoy a quality of life that is such a far cry from what they would endure in a confinement based system. When you buy locally grown wool you are paying for local people to have good jobs raising and producing beautiful fibres, supporting our local economy. This is a pricing regime that builds in a lot of these environmental, social, and animal welfare protections. I believe that in the future, local, ecological agriculture will only become more mainstream. Either ecological farmers will be compensated for their environmental services in addition to what they can earn through sales and their prices will be able to drop somewhat. Or, industrial agriculture will be made to pay the true cost of production and their prices will become more expensive. Factoring in all of these externalities is simply an inevitability – we simply can’t be sustained on unsustainable food production. By buying local, ecological food and fibre you are ahead of the curve, already living more in balance. So, instead of asking, “is this the best price I can get?”, maybe ask “is this a price I can afford?” If you can afford the price, and the farm is doing work that you want to support and producing food that you want to eat – then the differences in price are really inconsequential. What gets factored in when setting a price? There are different ways of setting prices, I don’t think any two farms do it exactly the same way. For the most part, prices are typically based on how much it costs to produce. Keep in mind that each individual farm is different so the costs that each farmer has to factor in to the selling price also is individual. These prices include everything from whether animal feeds are purchased or home-grown, organic certification costs, whether the animals are kept year-round or just as feeders in the summer, prices for transport and slaughter/butcher, whether additional labour is hired or not, etc. Then add in all of the unforeseen things – your hay got rained on and you had to buy some in, or your best cow needed a vet visit that cost a small fortune – these things are unpredictable and may cause prices to fluctuate from farm to farm or from year to year. This is just a broad sketch of some of the cost factors. On top of that are all of the very personal factors that, at the end of the day, are reflected in the price. Because the price that I charge has a very direct effect on my salary at the end of the year, my family situation also plays a bit of a role – the farm salary that a single person earns may not be considered sufficient for supporting a family, for example. Whether the farmer is in year one of their enterprise and has some hefty startup costs to cover, or has decades of equipment and experience behind them will determine a little bit how flexible they can be in pricing. I don’t think any farmers are out there saying, “I need to pay my daughter’s college tuition. Beef prices are going to have to triple this year”. But, to a certain extent, family situation and personal factors do factor in to how prices are set. But as I become more connected to my fellow farmers, those in our local area farming ecologically and selling directly to consumers, one thing is pretty consistent: each farmer I have met is striving to provide an exceptional quality product for the best price they can. So, how do we set OUR prices? On our farm, we set the price based on what we need to charge in order to hit our target revenue for the year. I calculate how much I can expect to earn with each type of production – this year it’s lamb, wool, pork, turkeys, beef, and workshops – I calculate how much I HAVE to spend to produce, and then I try to trim all of my other costs and find creative ways to earn a little bit more, until I hit my target goal. This year I was really helped by looking at some Holistic Management financial planning tools online. It has really changed the way I look at my farms’ finances but I won’t be able to tell you how well it works for awhile – it is very promising so far, though. I also take a look around at what other farms that have somewhat similar practices are charging. If my price is too high or too low, I try to figure out why. Are my estimates off? Is there a cost I haven’t factored in? Am I under- or over-estimating my yield? I know that my fellow farmers are pretty smart, and great farmers – so if my price isn’t at least in the ballpark with their prices averaged out, there’s something I’m missing. There isn’t a “best” farm out there – there is a mix of good and great farms with a variety of different practices, so, each price that you encounter when shopping for local products reflects the particular work that is happening on that farm. Hanging Weight vs. Cuts Weight: What are you paying for? I don’t know how local, ecological farmers price their cheese, fruit, vegetables, or other products, that’s not what we produce. But, when buying meat, don’t forget to consider whether you are paying for the hanging weight, or the take-home cuts weight. Both are common ways of pricing meat for local farms and both ways of pricing have advantages for the farmer and the customer. On our farm, we base all of our prices on the final, take home weight of your cuts of meat. So, if you order 10 lbs of pork, and 10 lbs of beef, I will pack you an order that includes as close as possible to 10 lbs of pork and 10 lbs of beef – it won’t be exact, but it will be +/- one pound or less, and I will charge you for the exact weight in your box of meat. Many other local farms charge based on the hanging weight. This is the weight of the carcass, without the digestive tract, head, and hide, but before it is butchered into individual cuts of meat. Final cuts weight is typically 65-75% of weight of the hanging weight and the price will be reflective of this - lower range for lamb, higher range for pork, and beef somewhere in between. The final weight can vary quite a bit between beef, pork, lamb, and based on other factors such as whether boneless or bone-in cuts are favoured, the length of aging, the amount of fat that is trimmed, and the characteristics of each individual carcass and the butcher’s practices. So, for example, if you order 100 lbs of beef hanging weight, you will probably end up with somewhere between 70-75 lbs of beef for your freezer. This is an estimate – ask the farm you are buying from as they will know what their average is at their farm. For lamb on our farm, our average hanging weight of a whole lamb is 43.5lbs, with average weight of cuts being 28 lbs (~64% of the hanging weight). This doesn’t really apply to turkeys, since they are sold whole. For us, we find it is better to charge based on your final, cuts weight – the exact weight you go home with. But, it does make our prices “look” more expensive. Our Price per pound (final cuts weight)Equivalent hanging weight per pound Lamb$13$8.45 (65%)Pork$8.75$6.56 (75%)Beef$12$8.40 (70%)Turkey$6na There are lots of online articles about hanging weight, final weight, and liveweight, and how all of these figures correspond.
Wow, that’s a lot about pricing. Congratulations if you’ve made it to the end. Happy shopping, and happy eating, and thanks for supporting local, ecological agriculture!! | finance |
http://e-sandesh.com/?p=8 | 2017-05-01T06:07:56 | s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917127681.84/warc/CC-MAIN-20170423031207-00412-ip-10-145-167-34.ec2.internal.warc.gz | 0.976078 | 2,085 | CC-MAIN-2017-17 | webtext-fineweb__CC-MAIN-2017-17__0__24777314 | en | In the two generations following the publication of Adam Smith‘s Wealth of Nations Britain underwent an economic and technological transformation so thorough that it was almost immediately christened the Industrial Revolution. Like all good revolutions, it had a vanguard; albeit a rather unexpected one. For an astonishing number of the entrepreneurs who created Britain’s industrial supremacy were members of one marginal Protestant sect: the Religious Society of Friends, or, to give them their more familiar name, the Quakers. …
An exclusive commercial club, knit together by implicit trust and bound to an ulterior ideology, is the dream environment for private monetary networks to flourish in. …But the greatest of all the mid-nineteenth-century Quaker banks no longer exists…. This was the famous Quaker firm of Overend, Gurney and Co., or the ‘Corner House’ as it was known to a generation of Victorian financiers, because it stood as a rival to the Bank of England itself, not only metaphorically in the financial markets, but in hard reality on the corner of Lombard Street and Birchin Lane in the heart of the City of London.
The Gurney family had begun as wool merchants in the prosperous farming district of East Anglia, and had evolved naturally into merchant bankers by borrowing on their good name in London and lending to the local sheep-farmers. As Britain’s economy grew and diversified, the opportunity to capitalise on this generic line of business – connecting the local capitalists in need of credit at the base of the pyramid to the London banks in its higher echelons – became more and more attractive. Eventually, the Gurneys of Norfolk decided to seed a London operation, and in 1807 they acquired the small London firm of Richardson, Overend. In the beginning, the firm’s business was brokerage pure and simple. A potential borrower in the provinces would bring his bills to Overends for scrutiny. If Overends liked the credit, they would find a London commercial bank that would lend against security of the bill – a procedure called ‘accepting’ it. The more practised in this art brokers like Overend, Gurney became, the more readily were their recommendations accepted by the banks. Bill-broking became big business, and the market in debt securities that they intermediated became the governing mechanism of the Industrial Revolution. …
By the 1830s, Overend, Gurney was the greatest bill broker in all of Europe. By the 1850s, it was the greatest in the world, turning over £170 million a year, taking deposits from every bank in the City, and discounting bills of industrialists and merchants from Lancashire to Lahore. The firm returned annual profits of more than £200,000 to its partners, and had a balance sheet ten times larger than those of the two biggest banks in Britain combined. Never in history had there been so uniquely important a banking house or one whose name and credit were so synonymous with the credit of the nation’s – even of the world’s – economy. As Walter Bagehot attested, the reach of the credit of the greatest bill broker in London was such that ‘[n]o one in the rural districts (as I know by experience) would ever believe a word against them, say what you might’…. It is just such unquestioning confidence in credit that is the essential ingredient of liquid financial markets, as the Governor of the Bank of England knew: ‘[b]anking…depends so much on credit’, he concluded, ‘that the least blast of suspicion is sufficient to sweep away, as it were, the harvest of a whole year.’
This was a lesson that had been learned time and time again in the course of the preceding half-century. The year 1825 had seen the first financial crisis of the industrial era, following a speculative bubble generated by the over-expansion of the new country banks. When it burst, it had brought the country to ‘within twenty-four hours of a state of barter’. Thereafter crises had occurred with alarming regularity. In 1836, a bubble in railway bonds burst. A decade later, there was another boom and bust; and in 1857 the end of the Crimean War sparked an investment boom that again ended in distress and panic. Many a bank had been laid low by one or other of these successive crises; but Overend, Gurney and Co. had survived them all, and prospered. The crisis of 1857 forced two momentous changes to the ‘Corner House’, however.
The first was a regulatory development. Ever since their transformation into dealers carrying risk on their own balance sheets after the crisis of 1825, the bill brokers had enjoyed access to loans from the Bank of England in times of crisis. But in the Bank’s view, the crisis of 1857 … [t]here was much talk of the fact that access to the emergency facilities was encouraging the brokers to invest in over-speculative bills. The Bank’s Directors therefore resolved in March 1858 to end the bill brokers’ access.
At the very same time that its business environment was changing in this way, the house of Overend, Gurney and Co. faced a second challenge. The original managing partners retired, and a younger generation took the reins. It quickly became apparent that they lacked some of the distinctive Quaker qualities of their illustrious forebears. In contrast to the stern solidity of the fathers, the sons were precipitous in their decision-making, ambitious for the trappings of wealth, and – the most dangerous flaw of all in a banker – credulous. …
The intention of the Bank’s withdrawal of its lender of last resort facility from the bill brokers had been to discourage the riskier end of their discount business. At Overend, Gurney, however, it had exactly the opposite effect. The new partners lost no time in filling the firm’s portfolios with a succession of speculative, long-term, and high-risk investments.
In the space of two years, Overends’ annual profit of £200,000 had turned to a loss of £500,000. The new managers attempted to regain profitability by taking more risk. They made a bold foray into emerging market bonds, financed a port development in Ireland, and made a host of other long-term, speculative investments, the only unifying feature of which was that everyone was funded, as was the way with the bill brokers’ business model, by deposits from the commercial banks that could be withdrawn on demand. If, heaven forbid, there was to be a market panic, and the banks were to demand those deposits back, there was now no question that without support the firm would be exposed as insolvent.
By April 1865, the situation was becoming desperate, and the partners met to weigh up the options. It was clear that new capital was needed to make good the losses and supply the means to rebuild the firm’s fortunes. …[I] n the end, it was the oldest trick in the City’s books that was chosen: an initial public offering that would transform the partnership into a public company and thereby offload the problem on to that perennial saviour of the City insider’s bacon – the general public.
For the first few months of its existence, shares in the new limited liability company, Overend, Gurney and Co. Ltd., traded at a premium. But late in the year, the Bank felt it needed to put another squeeze on the market. Bank Rate was raised to 8 per cent, and at the beginning of January 1866 the first sign of distress appeared in a most unfortunate quarter. A middling boutique railway bond arranger went into default on liabilities of £1.5 million. As bad luck would have it, the name of the quite unrelated firm was Watson, Overend and Co. Now the ignorance of the market worked against Overends. A connection was assumed, and – just as a precaution – withdrawals began. It became known that the old partners were having to sell assets. The withdrawals accelerated. In two months, £2.5 million worth of deposits streamed out of Overends, even as loans continued to go bad and the general panic spread. In a final gamble, on 9 May, the management made an urgent and humiliating appeal to the Bank of England for emergency support. But a general crisis was in prospect, and to bail out one firm alone would open the Bank to unanswerable charges of encouraging moral hazard. The Governor’s response was therefore swift and unequivocal. There would be no lifeboat. At 3:30 p.m. on Thursday, 9 May 1866, Overend, Gurney and Co. Ltd. suspended payment. ….
[A]s always, the real ramifications of the crisis were felt far beyond the medieval wards of the City of London and long after the acute panic had subsided…. More than a hundred and eighty bankruptcies were recorded in the three months following Black Friday. Unemployment rose from 2.6 per cent in 1866 to 6.3 per cent in 1867, and rose again in 1868 before a proper recovery took hold. Sectors that relied particularly heavily on credit, such as the global shipping industry operating from the wharfs of London’s East End, were especially badly affected. … All in all, it had been the greatest financial crash since 1825 – indeed, if only by virtue of the far more advanced development of the City and its international importance compared with that time, the greatest crash of all. Little wonder, then, that the editor of one contemporary journal, surveying the wreckage seven years later, called the collapse of Overend, Gurney which had sparked the catastrophe, ‘the model instance of all evil in business.’
MONEY: THE UNAUTHORISED BIOGRAPHY
Author: Felix Martin
Publisher: Bodley Head, Random House
Price: Rs 599 | finance |
https://travelomist.com/best-debit-card-for-travel-in-europe/ | 2024-04-13T06:49:57 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816586.79/warc/CC-MAIN-20240413051941-20240413081941-00311.warc.gz | 0.882567 | 1,424 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__200524728 | en | The Ultimate Guide to Choosing the Best Debit Card for International Travel in 2023
Are you planning an international adventure in 2023? Whether it’s a European vacation, a business trip, or a backpacking journey across the globe, one essential tool you’ll need is the right visa card / debit card. The choice of your debit card can significantly impact your travel experience, from saving you money on foreign transaction fees to providing convenient access to your funds.
In this comprehensive guide, we’ll discuss which cards to use (visa and mastercard), the international transaction fees, international atm or how to transfer money by using your card. We’ll explore everything you need to know about selecting the bank card overseas for international travel in 2023 for money transfer and withdraw money.
1. Why Your Debit Card Choice Matters for International Travel
When it comes to international travel in 2023, your choice of debit card can significantly affect your overall experience. Using the right debit card can save you money on foreign transaction fees, provide convenient access to your funds, and offer various other travel-related benefits. In this section, we’ll explore why your debit card choice is crucial and how it can impact your travel plans.
Debit Card for International Travel (1-2 times): An international debit card is a must-have for seamless transactions abroad. It allows you to withdraw local currency from ATMs and make purchases without incurring hefty fees.
Foreign Transaction Fee (3-15 times): Understanding foreign transaction fees is crucial. These fees can add up quickly, making your international trip more expensive than you expected.
Best Debit Card (1-4 times): Discovering the best debit card for your specific needs can lead to significant savings and a more enjoyable travel experience.
2. Understanding Foreign Transaction Fees
Foreign transaction fees are the hidden costs that can catch travelers off guard. These fees are charged by your bank or card issuer every time you make a purchase in a foreign currency. To avoid unnecessary expenses during your international journey, it’s essential to understand foreign transaction fees and how they work.
Foreign Transaction Fee (3-15 times): Foreign transaction fees can vary widely from one debit card to another. Some cards offer fee-free transactions, while others charge a percentage of each purchase.
In this section, we’ll discuss how to identify and minimize foreign transaction fees and recommend debit cards with the lowest or no fees for international travel.
3. The Best Debit Cards for International Travel in 2023
To make your search for the ideal international debit card easier, we’ve compiled a list of the best options for 2023. These cards stand out for their features, benefits, and cost-saving potential. We’ll provide an overview of the top choices and explain why they are well-suited for international travelers.
Best Debit Card (1-4 times): Finding the best debit card is essential for a successful international travel experience. We’ll introduce you to the top contenders that offer the most value for your money.
In this section, you’ll discover the top-rated debit cards for international travel, including those with no foreign transaction fees, ATM fee reimbursements, and other travel-friendly perks.
4. Debit Card Features and Considerations
Choosing the right debit card for international travel goes beyond just avoiding foreign transaction fees. Features like EMV chip technology, compatibility with international ATMs, and mobile banking capabilities can enhance your travel experience. In this section, we’ll delve into the essential features and considerations to keep in mind while selecting your travel debit card.
Debit Card (15-38 times): Your debit card is your primary financial tool during your international journey, so understanding its features and capabilities is crucial.
EMV Chip (1-2 times): EMV chip technology ensures the security of your card and transactions. It’s a feature you’ll want on your international debit card.
5. ATM Withdrawals and Fees Abroad
Accessing local currency is a critical aspect of international travel. We’ll discuss the ins and outs of using ATMs abroad, including the potential fees you might encounter and how to avoid them.
ATM Fee (2-6 times): ATM fees can quickly add up. We’ll provide tips on minimizing these costs and finding the best ATMs for international travelers.
6. Travel Money Management
Managing your travel funds efficiently is vital for a stress-free trip. We’ll explore various strategies and tools to help you keep your finances in check while abroad.
Travel Money (1-2 times): Having enough travel money and knowing how to access it is essential for a smooth travel experience.
7. Choosing Between Debit and Credit Cards for Travel
Should you use a debit card, a credit card, or a combination of both while traveling internationally? We’ll weigh the pros and cons of each option to help you make an informed decision.
Credit Cards (1-7 times): Credit cards have their advantages and disadvantages when it comes to international travel. We’ll explore the scenarios in which using a credit card might be beneficial.
8. Making Safe and Secure Transactions
Keeping your financial information and transactions secure is paramount while traveling. We’ll provide tips and best practices to ensure your financial safety while using your debit card abroad.
9. Travel Insurance and Additional Benefits
Some debit cards offer travel insurance and other valuable benefits. We’ll explain the types of coverage you might receive and the additional advantages that come with certain cards.
10. Final Tips for a Seamless International Travel Experience
In the last section, we’ll offer some general tips and advice to make your international travel experience in 2023 as seamless as possible. This includes packing tips, staying connected, and getting the most out of your chosen debit card.
Choosing the right debit card for international travel in 2023 is a crucial step in planning a successful trip. Your card selection can save you money, provide convenience, and enhance your overall travel experience. Remember that the best debit card for you will depend on your specific needs and preferences.
To recap, always consider the following key factors when selecting your debit card for international travel:
- Foreign transaction fees: Look for cards with no or low foreign transaction fees.
- Card features: Consider cards with EMV chips, mobile banking apps, and compatibility with international ATMs.
- Travel money management: Plan your budget and access to funds in advance.
- ATM withdrawals: Find ATMs that minimize withdrawal fees.
- Security: Follow best practices to ensure safe and secure transactions.
By following the advice in this guide, you can make an informed decision and find the perfect debit card to accompany you on your international adventures in 2023. Safe travels!
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http://www.topcontactnumbers.uk/paypal-contact-number/ | 2017-12-17T17:22:52 | s3://commoncrawl/crawl-data/CC-MAIN-2017-51/segments/1512948597295.74/warc/CC-MAIN-20171217171653-20171217193653-00481.warc.gz | 0.925727 | 1,260 | CC-MAIN-2017-51 | webtext-fineweb__CC-MAIN-2017-51__0__201657316 | en | PayPal is an online payments processor that allows its users to send and receive money electronically. If you need to get in touch with the company, PayPal contact number 0870 280 5129 can be used to connect. PayPal offers large-scale customer support, as the company now has approximately 165 million users globally. The company has been around since 1998, and partnered with eBay until 2002. The two have now split, becoming two different publicly traded entities. PayPal is headquartered in San Jose, California and functions under the direction of CEO, Dan Schulman.
PayPal Contact Number for Account Issues
Assistance is always available for account help. If you have questions, or experience any problems with your PayPal account, call 0870 280 5129. This phone number will put you though to the main line, after which you can choose the appropriate department. The customer service team is trained to help with many different issues, including:
- Opening a new account
- Closing an existing account
- Update account information
- Verifying identity
- Password changes and login problems
- Sending and receiving money
- Daily account limits
- Fraud and security concerns
PayPal customer service is available Monday through Friday, from 4am to 10pm Pacific. Help is available each weekend also; between the hours of 6am and 8pm. Answers to many common questions can be found on the website, https://www.paypal.com. You do not have to be an account holder to use the website to learn more about how to use the service, and do not have to have an account in order to contact the customer service team via phone.
PayPal Support for Sending Funds
Part of the reason for the success of PayPal is the fact that they make the process of sending money very easy. Funds can be sent from your existing balance, or from a linked bank account or credit/debit card. Sending money costs nothing when the existing balance or bank account are used, but there is a fee of 2.9% of the amount being sent, plus a $0.30 transaction fee. When sending funds outside of your home country, the costs are somewhat higher.
To send funds directly, the following steps can be used:
Log into your account.
- Click on the ‘Send Money’ link.
- Enter the email address of the person you wish to send money to.
- Enter the amount of money you wish to send.
- Click ‘Next’ and review the details of the transaction.
- If everything is correct, click ‘Send’.
Each transaction can be viewed when you log into your account. This includes both funds sent and received. If you need any help with adding funds to your account, canceling a payment, or determining what the costs will be, call PayPal customer service at 0870 280 5129 during the aforementioned business hours.
PayPal Contact Number for Security Concerns
PayPal does what it can to ensure that accounts are secure, but users of the service can do their part as well by protecting their account information and making sure to only log in from the official site. Contact PayPal immediately if you suspect for any reason that your information is at risk. You will need to provide information that identifies you as the account holder, and will need to provide information about the potential problems. The same goes for if you notice any unauthorized transactions on your account. It may be possible to recover stolen funds in some cases.
Scams are all too common with regards to PayPal, which is not a surprise since the service deals with sensitive financial information. Spoof emails are sent to thousands, and scams related to Craigslist often take place. To avoid problems, never respond to any communications that do not come directly from the company. If you have any questions at all about whether or not an email actually came from PayPal, call 0870 280 5129. If you know that an email that you have received is part of a scam, PayPal asks that you forward it to: [email protected] so that it can be investigated.
PayPal Customer Service for Business Customers
PayPal works with thousands of businesses, large and small, to provide online payment solutions. A list of business services can be viewed on the website. A business specialist can also go over these with you if you would like. Calling 0870 280 5129 will place you in touch with someone who can discuss the available options, and let you know if your business may qualify for discounted rates. Special products, such as the PayPal debit/credit card reader, are available. This product allows business owners to accept payments from anywhere, using a smartphone or tablet. Rates for using the card reader range from 2.7% to 3.5%.
PayPal Phone Number for MasterCard Support
If you have the PayPal MasterCard, you may need support from time to time. This card functions as a debit card, and can be used to make purchases or withdraw funds from your account at participating cash machines. Contact PayPal by calling 0870 280 5129 if you need to activate your card, report a lost or stolen card, change your pin number, or update your information. Lost or stolen cards should be reported immediately, so that the card can be deactivated. A replacement card can then be requested and should arrive in approximately seven business days.
PayPal Contact for Email and Social Media
If you’re looking for a way to contact PayPal outside of business hours, email and social media are the two options. Having said that, responses will likely only be received during business hours, so there will likely be a wait. Emails must be sent from the website, via the following page: https://www.paypal.com/selfhelp/contact/email. Social media contact may be initiated from any of the following accounts:
Security is always an issue when posting to social media, but is an even bigger issue when it may involve payment information. Be sure to only post general questions to social media, and opt for sending a private message if you need to reveal any identifiable information. For the tightest security, call PayPal at 0870 280 5129 whenever you need help. | finance |
https://www.hpequitytrust.com/leadership/daniel-cunningham | 2022-06-30T07:25:14 | s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103669266.42/warc/CC-MAIN-20220630062154-20220630092154-00384.warc.gz | 0.960893 | 235 | CC-MAIN-2022-27 | webtext-fineweb__CC-MAIN-2022-27__0__104654532 | en | Daniel Cunningham is Chief Investment Officer, responsible for the Housing Partnership Equity Trust’s real estate portfolio strategy and execution. He leads the company’s deployment of capital in multifamily housing investments, and works with the firm’s partners in the selection, acquisition, and management of properties. He joined the HPET team in July 2019.
Previously, Daniel served as Senior Vice President at PNC Real Estate for nearly seven years, where he oversaw all loan originations for East Coast owners and developers of multifamily properties. Earlier, he was Vice President in the real estate investment group of ULLICO, Inc., overseeing originations, portfolio management, real estate-owned workouts, and asset surveillance.
Daniel has also held key management positions in affordable housing and real estate finance at Wells Fargo, Fannie Mae, Bank of America, and Citicorp. While at Fannie Mae, he was the National Director of Multifamily Affordable Housing Debt for seven years.
Daniel holds a bachelor’s degree from Harvard College and a master’s degree in management (finance and real estate) from MIT’s Sloan School of Management. | finance |
https://shop.inorope.com/en/shop/uncategorized/gift-ideas-the-ino-rope-gift-voucher/ | 2021-09-22T12:05:47 | s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780057347.80/warc/CC-MAIN-20210922102402-20210922132402-00632.warc.gz | 0.920098 | 251 | CC-MAIN-2021-39 | webtext-fineweb__CC-MAIN-2021-39__0__105447133 | en | Want to give someone a present? Buy them a gift voucher! To buy a gift voucher, it is very simple:
1/ Choose the amount from the following: 20€, 30€, 50€, 80€ or 100€ (if you want to accumulate the amounts, select the “quantity”) and add it to your basket.
2/ Proceed to pay by entering in the “”comments”” field, the family name and first name of the person for whom the voucher is intended, as well as their e-mail address (if you wish, add a personal message in the same field)
As soon as payment has been confirmed, an e-mail is sent to the addressee with a personal code. You will be copied in this e-mail in order to receive notification of sending. They will just need to enter this code in the field “”promotion code””, when putting through their order.
PS: Would you prefer a printable “”pdf”” voucher to give them the gift yourself? No problem, just specify this in the same “”comments”” field!” | finance |
https://4invests.net/how-does-student-loan-debt-affect-your-credit-score/ | 2024-02-26T06:56:09 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474653.81/warc/CC-MAIN-20240226062606-20240226092606-00315.warc.gz | 0.962091 | 625 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__69398996 | en | Student loan debt has become a growing concern for many individuals pursuing higher education. As the cost of college continues to rise, more and more students are turning to student loans to finance their education. However, it is crucial to understand how this debt can impact your credit score and ultimately affect your financial future.
Understanding Credit Scores
Before diving into the effects of student loan debt on your credit score, let’s first understand what a credit score is. A credit score is a three-digit number that represents your creditworthiness and is used by lenders, banks, and other financial institutions to assess your ability to repay borrowed money.
Your credit score is influenced by various factors, including your payment history, credit utilization ratio, length of credit history, types of credit, and any current or past delinquencies or defaults. Each of these factors carries a different weight in determining your overall creditworthiness.
The Impact of Student Loan Debt
One of the primary ways student loan debt affects your credit score is through your payment history. Making regular, on-time payments towards your student loans can have a positive impact on your credit score. Conversely, missing or late payments will likely result in a lower credit score.
The amount of student loan debt you have can also impact your credit score. Your credit utilization ratio, which is the amount of available credit you’re using, accounts for approximately 30% of your credit score. Having high student loan balances compared to your available credit limit can lower your credit score.
Furthermore, having student loan debt can affect your ability to take on additional credit. Lenders may be hesitant to extend credit to individuals with high levels of student loan debt, as it increases the risk of default. This can make it harder to obtain mortgages, car loans, or credit cards, limiting your options for future financing.
Managing Student Loan Debt Responsibly
While student loan debt can have some negative implications for your credit score, there are steps you can take to manage it responsibly and mitigate its effects. First and foremost, make all payments on time. Setting up automatic payments or reminders can help ensure you never miss a payment.
Additionally, it’s important to budget and live within your means. Consider creating a monthly budget that allows you to make your student loan payments while still covering other necessary expenses. This will help you avoid accumulating excessive debt and maintain a healthy credit score.
If you find yourself struggling to make your student loan payments, reach out to your loan servicer or a financial advisor. There may be options available to help you, such as income-driven repayment plans or loan deferment. Ignoring your student loan debt will only lead to more significant financial issues in the long run.
In conclusion, student loan debt can have a substantial impact on your credit score and overall financial well-being. It is crucial to stay informed and take proactive steps to manage your debt responsibly. By making timely payments, keeping your student loan balances in check, and seeking assistance when needed, you can navigate the world of student loan debt while minimizing its negative effects on your credit score. | finance |
https://www.gattwealth.com/ | 2019-04-22T18:25:58 | s3://commoncrawl/crawl-data/CC-MAIN-2019-18/segments/1555578577686.60/warc/CC-MAIN-20190422175312-20190422201312-00430.warc.gz | 0.857794 | 228 | CC-MAIN-2019-18 | webtext-fineweb__CC-MAIN-2019-18__0__204585720 | en | Worldsource Financial Management INC
& Gatt Wealth Management
At Worldsource Financial Management and Gatt Wealth Management, we believe there is no better way to serve the needs of Canadian investors than by providing access to independent, unbiased financial advice. We can offer an array of solutions and a comprehensive suite of financial products and services to help you invest for your future.
Worldsource Financial Management
Worldsource Financial Management was founded in 1989 and it a part of the Gaurdian Capital Group Limited which also includes:
- Gaurdian Capital LP – Institutional Investment Management
- Gaurdian Capital Advisors Inc. – High Net Worth Investment Counselor
- Alexandria Bancorp Limitied- International Wealth Management
- Worldsource Financial Management Inc. - Mutual Fund Dealer
- Worldsource Securities Inc. - Securities Dealer
- IDC Worldsource Insurance Network Inc. - Leading Managing General Agency
Gaurdian Capital Group Limited is one of Canada’s largest publicly traded investment companies. Founded in 1962 and publicly traded since 1969, Gaurdians sound history is complemented by a proven track record of accomplishment and success. | finance |
https://gmwallet.com/en/terms | 2024-02-21T04:13:06 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473370.18/warc/CC-MAIN-20240221034447-20240221064447-00542.warc.gz | 0.923447 | 9,408 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__83003413 | en | Infobank24 Ltd is a company incorporated in England and Wales with Company Number 10660019, Registered address: 1a Strathearn Road, Wimbledon, London, SW19 7LH, United Kingdom. Infobank24 Ltd authorised by the UK Financial Conduct Authority as an EMD Agent under reference number 902994,.
The principal to the agency relationship is Noveba Limited is a company incorporated in England and Wales with company number 11610200 and whose registered office is at 71-75 Shelton Street, Covent Garden, London, England, WC2H 9JQ.
Noveba is the issuer of Electronic Money in Noveba Electronic Money Accounts and performs the payment services related to Electronic Money Account(s). Noveba is authorised by the Financial Conduct Authority as an Electronic Money Institution under the Electronic Money Regulations 2011 for the issuing of electronic money, included in the FCA’s Register of Electronic Money Institution firms (Firm Reference Number 900924).
2.1 These Terms and Conditions (V1.0) set out our obligations and the terms on which you, the Customer, can use the Noveba Account and debit card. These Terms and Conditions, our Privacy Statement, the Noveba Account Mandate and Fees and Charges constitute the entire Agreement between you and us. Any additional service that you request from us will be subject to a separate agreement that you will be required to review and accept prior to using such service.
2.2 To open a Noveba Account, you must review and agree to be bound by this Agreement.
2.3 Certain words and phrases used throughout these Terms and Conditions are defined in Section 17.
2.4 Applicable law to this Agreement
2.4.1 This Agreement and any disputes, claims or proceedings arising out of or in any way relating to it shall be governed by the laws of England. The parties agree that English courts shall have jurisdiction for the purpose of any proceedings, except where European Union legislation and local laws requires a specific dispute to be resolved by the courts of another jurisdiction.
2.5 Important information about the Agreement
2.5.1 If a condition of this Agreement is found to be illegal, invalid or unenforceable, then to the extent it is illegal, invalid or unenforceable, that condition will be given no effect and will be treated as though it were not included in this Agreement, but the validity or enforceability of the remaining conditions of this Agreement will not be affected.
2.5.2 This Agreement does not create a partnership between you and us. You have no authority to bind, to contract in the name of, or to create liability for us in any way for any purpose. You shall always present yourself as a separate entity from us.
2.5.3 No person other than the parties to this Agreement shall have rights under the Contracts (Rights of Third Parties) Act 1999 or otherwise to enforce any term of this Agreement.
2.5.4 This Agreement constitutes the entire agreement between you and us with respect to the Services and supersedes and replaces any and all prior agreements.
2.5.5 Any delay or failure by a party to exercise or enforce any right under this Agreement shall not be deemed to be a waiver of any such right or operate to bar the exercise or enforcement thereof at any time or times thereafter.
2.5.6 The rights and remedies available to us in this Agreement are cumulative and are in addition to any other right or remedy available to us at law or in equity.
2.6.1 You may cancel this Agreement within 14 days of the initial opening of your Noveba Account, being the day you agreed to accept these Terms and Conditions, you may do so without giving a reason and without incurring cancellation charges (if any) or penalties. Contact our Support Team as set out in the communicating with us section if you want to cancel this Agreement.
2.7 Changes to the Agreement
2.7.1 This Agreement may change from time to time. We will give you at least two months’ notice of any proposed change by e-mailing the User(s) and posting a notice on our Website. However, if the change is to your benefit or if a change is optional, we may make these new features available sooner than two months and notify you accordingly.
2.7.2 If you object to the proposed change, you have the right to end your Agreement with us (and consequently close your Noveba Account) before the proposed change comes into effect without incurring any charge. To do so, you must give us written notice and email it to our Support Team. You will however be responsible for all transactions and charges incurred by you up to the date this Agreement terminates.
2.7.3 Unless you object to the change we propose, the proposed change will take effect on the date identified in our communication to you and the terms of this Agreement will be amended accordingly.
2.7.4 Your continued use of your Noveba Account following the effective date of the relevant changes to these Terms and Conditions will constitute your acceptance of the revised Terms and Conditions.
3.1 All communications between us will be in English and will be carried out through the Noveba Account Web Application, SMS text, e-mail or phone. You or the User(s) may contact us at any time by emailing us at [email protected] or write to us at our registered address stated above. You can also obtain a copy of these Terms and Conditions from our Support Team and from the Website.
3.2 We are not liable to you, if due to circumstances beyond our reasonable control, communications are intercepted, delayed, corrupted, not received or received by persons other than you.
4.1 A Noveba e-money account(s) enables you to initiate and receive payment(s) through internal transfer(s) between dedicated e-money account(s) or e-wallet(s) in the currencies associated with your Noveba e-money account(s). You can deposit funds to your Noveba e-money account by any supported payment card (Mastercard, Visa, etc). The Noveba Account also allows you to carry out currency conversion and avail of a debit card.
4.2 You must ensure that there are sufficient funds in the Noveba Account to meet your requirements. We do not provide credit. There is no overdraft facility on the Noveba Account. We may debit your Noveba Account with all amounts and charges for which you are liable. We do not provide chequebooks or individual cheques. We do not accept payments by cheque or cash deposits into a Noveba Account. Interest is not paid on amounts held in a Noveba Account.
4.3 You may not assign or transfer your Noveba Account to a third party. You may not otherwise grant any third party a legal or equitable interest over it without our specific written permission.
4.4 Noveba Accounts are operated and maintained in accordance with the Electronic Money Regulations 2011 (as amended by the Payment Services Regulations 2017) for the issuing of electronic money and related payment services. The funds in your Noveba Account are segregated at all times from our assets and we will not invest them, lend them to third parties or use them for any operating purposes. Your relevant funds are safeguarded with regulated Financial Institutions.
4.5 Noveba Accounts do not fall under the remit of the Financial Services Compensation Scheme (FSCS).
4.6 How to access our Services?
4.6.1 To be eligible to open a Noveba Account:
if you are a legal entity (being a charity, company or partnership), your country of registration must be in the United Kingdom. If your legal entity is not registered in the United Kingdom you may be eligible to open a Noveba Account subject to our approval on a case by case basis;
You must have access to a suitable communications device suitable with connection to the Internet;
a natural person, acting for and behalf of the legal entity, must be at least 18 years of age, and have full legal capacity to enter into a contract of this nature in your country of residence and be duly authorised by the applicant legal entity to do so by means of a Power of Attorney, Statutes, Charter or any other form of valid authorisation; or
Vulnerable Consumers or their carers or guardians should contact us at [email protected] prior to opening a Noveba Account.
4.6.2 We reserve the right to amend our eligibility criteria from time to time, without notice. We reserve the right to decline to open a Noveba Account without providing an explanation.
4.6.3 To open a Noveba Account, you must complete the account opening procedure set out on our online registration application. Once a registration application has been completed, the Administrator can access your Noveba Account to view your Profile and set up your Security Details. You must keep your Access Code, PIN and password safe at all times. See section 11 on keeping your account safe and for more details about preventing your password, Access Code and PIN from being known by others. Your Noveba Account will not be active and you will have no access to any Services on your Noveba Account until we have fully verified all the information you have provided to us.
4.6.4 To comply with applicable anti-money laundering legislation, we will require you to provide us with certain documents and information on the business itself, the directors, partners or other responsible officers, beneficial owners and the Users. You are responsible for securing any permission required from an individual in relation to the use and retention of their Personal Data by us to open and operate the Noveba Account. You can contact the Support Team for details of the information we require. We reserve the right to request such information and documentation we believe is necessary to continue to meet our statutory obligations at any time during which you hold a Noveba Account with us. If you do not provide the information and documents we require, we do not have to provide the Services to you or we may restrict the functionality and Limits on your Noveba Account.
4.7 Availability of our service
We endeavour to provide our service 24 hours per day, however the Service will be unavailable on certain occasions for essential maintenance. We make every effort to minimise any disruption to the Services during system maintenance and system upgrades, and all planned maintenance is scheduled outside of Business Hours. Furthermore, while we endeavour to provide currency conversion 24 hours per day, there may be occasions when this service is not available.
4.8 Noveba services are provided immediatelly.
In the event of delays or any problems with Noveba services we inform you about the reasons and recovery times
5.1 A User is any individual who is granted access to your Noveba Account by you. Each User will have a Role assigned to them and each Role has certain Permissions. The person opening the Noveba Account must be permitted to open it on behalf of the business and will automatically be assigned the Role of Administrator.
5.2 It is the responsibility of the Administrator(s) to select and appoint additional User(s) and must satisfy themselves as to the suitability and integrity of the individual(s) chosen for the Roles assigned to them. It is important to be aware that the Administrator(s) manages additional Users and has full power to administer and operate your Noveba Account.
5.3 The Administrator(s) is authorised to:
a) Set up and manage Users;
b) Create Permissions and manages Roles for Users;
c) Make payments on behalf of the Business.
5.4 You confirm and agree that any officer, employee, agent, representative or other person who has been approved as a User(s) by you has the authority to access and use your Noveba Account as defined by the Role assigned to them. Any instruction we receive from a User(s) shall be construed as an instruction from you and shall be binding on you. It is your responsibility to ensure that the User(s) is made aware of and abides by the terms of this Agreement. You shall be responsible for all actions by the User(s).
5.5 You authorise us to act on instructions received from a User, by email or any electronic communication through a telephone, website or computer and on such instruction, in line with Role Permissions:
a) We will be entitled (but not obliged) to act on such instructions and will not be required to enquire as to the authority or identity of the person giving or purporting to give the instructions, regardless of the circumstances prevailing at the time of the instructions;
b) We will not be liable if the instructions are lost, delayed or distorted in transmission or other matters beyond our reasonable control;
c) You shall be responsible to us for any loss, costs, damage or expenses that you or we suffer or incur as a consequence of acting on such instructions;
d) In the event that you have any right, claim or action against any User or any other person arising from their use of your Noveba Account, you shall pursue such right, claim or action independently of, and without recourse to us. You will be responsible for any liability we incur, including any damage, loss, cost, expense (including legal fees) from any claim arising out of you or any User(s) nominated by you or not complying with the terms of this Agreement and/or for any unlawful use of the Noveba Account by a User. This condition shall not apply to the extent that the User’s use of your Noveba Account(s) or non-compliance is as a result of us not acting in accordance with our obligations under this Agreement.
6.1 If you have opted to use a debit card(s) in conjunction with your Noveba Account, then this section is applicable to you.
6.2 We can issue you with a debit card. Debit cards will be issued to Users as per your instructions. We can only do this if you give a User the appropriate Role. It is the responsibility of the Administrator to furnish the Users with a copy of these Terms and Conditions. The Administrator must ensure that the User(s) complies with these Terms and Conditions and any subsequent amendments or replacement conditions.
6.3 By requesting an additional debit card, the Administrator thereby also authorises us to pass on information about the Noveba Account and debit card to a User.
6.4 We will renew your debit card(s) when your card expires and replace it when it is lost, stolen or damaged subject to payment of the relevant fee.
6.5 Debit cards remain the property of Noveba Limited and/or the issuing institution.
6.6 Delivery of the debit card/use of PIN
6.6.1 On receipt of the debit card, it must be signed immediately at the appointed place on the debit card. It is for your sole use or the sole use of the User to whom it is issued. A debit card or debit card PIN must not be given to a third party.
6.6.2 A debit card PIN will need to be set in your Noveba Account Web Application so that it can be used in retailers, online and in ATMs. This must be kept safe and must not be revealed to anyone else. See section 11 on security for more details about preventing your password, Access Code and PIN from being known by others.
6.6.3 If the PIN for the debit card is entered incorrectly three times in succession the debit card will be suspended. In such case you should contact us.
6.7 Cancelling your Debit Card
6.7.1 You can cancel a debit card issued on your account at any stage, but you must notify us by contacting [email protected] If in possession of your debit card, you must immediately cut your debit card into small pieces through the magnetic stripe and chip. You will not be able to use an existing debit card if we have cancelled it. You will need to ask us to replace it.
6.8 Term of the debit card
6.8.1 The validity of the debit card shall end upon expiry month printed on the debit card in the year stipulated on the card. You must destroy the debit card after it has expired as stated above in section 6.7.1.
6.9 Debit card purchases and withdrawals
6.9.1 You can use your debit card to access funds in your account. Your debit card is linked to your Noveba Account(s) so if you use your debit card in a currency in which you have a Noveba Account (sterling and euro), it must have sufficient funds. All other currencies will be converted to sterling. See the Fees section of the Website for more information.
6.9.2 If you use your debit card to make purchases online, you may be asked to provide extra security information to authenticate the payment. If you fail to provide the correct security information, your payment will be refused.
6.9.3 As soon as a transaction is authorised this cannot be cancelled. We will deduct the value of your transaction from the balance on your account. At the same time we will deduct any fees that apply to the transaction. See the Fees section of the Website for more information.
6.9.4 If a transaction is made using your debit card with PIN, contactless payment or by using 3D secure you agree that the transaction was made by you, unless we are otherwise informed the transaction was unauthorised as set out in 8.4
6.9.5 Some retailers will apply for a Pre Authorisation for a payment when you use your debit card (for example, if you hire a car or book a hotel room) In instances such as this, we will hold the amount of funds agreed by you and we will release those funds back to you when we receive notification to do so.
6.10 Spending limits on the debit card
6.10.1 There will be a maximum daily Limits on card usage. You can find details of the Limits on your Noveba Account in the Limits section of your Noveba Account.
7.1 If you use Direct Debits in conjunction with your Noveba Account, then this section is applicable to you.
7.2 Direct Debits are available on accounts and in the currencies as specified in the FAQ section of our Website. Direct Debits will be enabled on your Noveba Account by default in the currencies in which Direct Debits are available.
7.3 You may disable payments by Direct Debit on specific Noveba Accounts by logging into the Web Application and selecting the option to disable Direct Debits on a specific account.
7.4 To set up the Direct Debit, you must authorise a Direct Debit Instruction from the Originator (biller). The payment will be debited from your Noveba Account when we receive the request from the Originator’s bank for the payment. These payments can be one-off or recurring.
7.5 You must have sufficient funds in your Noveba Account to pay a Direct Debit payment. A Direct Debit payment will be returned unpaid where there are insufficient funds in your Noveba Account.
7.6 Cancelling a Direct Debit Instruction
7.6.1 Under the Direct Debit Guarantee Scheme, you may cancel a Direct Debit Instruction by logging into the Web Application and select the Direct Debit Instruction to cancel. A Direct Debit Instruction can be cancelled at any time. If you cancel the Direct Debit Instruction after the payment is made, we will not be liable to you or anyone else for any loss or expense which results.
7.6.2 When you cancel a Direct Debit, any agreement you have with an Originator does not change. We have no obligation to you or to the Originator to put in place alternative arrangements to pay money you owe the Originator.
7.7 Rejecting Direct Debit payments
7.7.1 To reject an individual Direct Debit payment, log into the Web Application before the Direct Debit payment is due and select the option to cancel this specific Direct Debit payment. Rejecting an individual Direct Debit payment does not cancel the Direct Debit Instruction you have in place with the Originator. You may only reject a Direct Debit payment, when it has been presented to us for payment and it is pending.
7.8.1 To request a refund of a Direct Debit payment, contact our Support Team at [email protected]. You may be required to provide supporting documents.
7.8.2 We have no duty to you in relation to goods or services supplied by an Originator.
8.1 Making Noveba Account payments
8.1.1 All payment (other than debit card and Direct Debit payments) instructions from your Noveba Account can be made on our Web Application. A User must have the appropriate Role and Security Details to authorise each payment instruction. We will not be responsible for incorrect payments made if they are in accordance with any instruction given by a User. A payment cannot be cancelled or reversed once it has been authorised by a User.
8.1.2 You can view a history of your account payments and the unique reference for each payment transaction by accessing the Transactions section of your Noveba Account.
8.2.1 All lodgements and bank (credit) transfers will be processed at regular intervals once the transfer details are received by us before the applicable cut-off time. If we receive a payment instruction after the cut-off time, or on any Non-Business Day, the payment will be processed on the next Business Day. Details of the cut-off times are available in the FAQs in the business section of the Website.
8.3.1 We shall not be liable for any Underlying Transaction between you and the party receiving or making the relevant transaction. Nor shall we be responsible or incur any liability for any incorrect transactions effected by us as a result of being provided with incorrect information, for example an incorrect sort code, account number, BIC or IBAN. In such circumstance, we will make all reasonable efforts to recover the funds involved in such transactions and we may charge our reasonable costs incurred in attempting to recover the funds on your behalf.
8.3.2 If we, in error, debit or credit an incorrect amount to your Noveba Account, we will, on discovering the error, make any necessary correcting entry on the Noveba Account without reference to you or the User(s). If there are insufficient funds in your Noveba Account to make the correction, we shall notify you and you agree to promptly repay such amount to us.
8.3.3 If your account is credited incorrectly by a third party, we are obliged, if requested, to share your payment details so that the third party can recover the funds directly.
8.4 Unauthorised payments
8.4.1 In case of an unauthorised payment, or a payment that was incorrectly executed due to an error by us, we shall immediately refund the payment amount including any fees charged in relation to it. This shall not apply in the following circumstances:
a) Where an unauthorised payment arises from failure by you or the User(s) to keep the security features linked to the Noveba Account or debit card safe, you shall remain liable for the losses incurred by such actions / mis-actions;
b) If there is undue delay in notifying us of any loss or unauthorised access or use of your Security Details or other event that could reasonably be expected to have compromised the security of the Noveba Account or debit card after you or the User(s) has gained knowledge of such event, in which case you shall remain liable for all losses incurred up to the time you notify us of the situation. We will normally consider that there has been undue delay on your part where there is a failure to notify us within 1 Business Day of the relevant information being made available to you or the User(s);
c) Where the transaction was unauthorised but where you or the User(s) have acted fraudulently, or compromised the security of the Noveba Account or debit card with intent or gross negligence in which case you shall be solely liable for all losses; or
d) There is a failure to bring the unauthorised or incorrectly executed transaction to our attention within 13 months from the date of the transaction.
All transactions are final and are not reversible save in the following circumstances and at our sole discretion:
a) where there is illegal activity involving your Noveba Account;
b) where we confirm there has been a Merchant error; or
In the case of any incorrect or misdirected payment, we shall take reasonable measures to assist you with tracing and recovering such payments.
In order to claim a refund for an unauthorised or incorrectly executed payment transaction on your Noveba Account you must notify us without undue delay after becoming aware of the unauthorised or incorrect transaction and in any event no later than thirteen (13) months from the date of the transaction (Support Team at [email protected]).
We reserve the right to charge you fees and expenses we incur in connection with such Refund and any actions undertaken for challenge the case.
9.1 To ensure the safe operation of the Noveba Account and debit card we will set transaction and service Limits at our sole discretion and these may change without notice. Details of the Limits that apply to your Noveba Account are set out in the settings section of the Noveba Account.
10.1 Standard Fees and Charges are set out in the Fees section of the Website and in the Fee document provided to you. Unless otherwise agreed, these form part of this Agreement.
10.2 We will deduct any applicable Fees and Charges from the Noveba Account as they are incurred.
10.3 If currency conversion is requested and available, the exchange rate is displayed (to four decimal places) on a real time basis on our Web Application. Rates may be aggregated from a variety of sources. There is no guarantee that the rates offered match any particular benchmark. Any change in an exchange rate will apply immediately and without notice. When you request currency to be converted, be aware the exchange rate may differ between the time you view the rate and the time you authorise the conversion to be processed. We will not be liable to you for any such change. The minimum amount which can be converted can be found in the Fees section of the Website. You must have Noveba Account(s) in both currencies to facilitate currency conversion.
11.1 It is your responsibility to ensure that you keep your debit card, Mobile Device, login details (login, password, Access Code and PIN) safe and secure at all times. In addition, you must take all reasonable steps to ensure that all Users keep them safe and secure. The Administrator(s) appointed by you has a critical Role in the overall security of the Noveba Account.
11.2 If any Mobile Device or debit card is lost or stolen, you should immediately log in to either your Noveba Account Web or Mobile Application and disable the device in the case of a lost mobile and set the debit card status to “blocked” in the case of a lost or stolen card. You should also contact our Support Team straight away.
11.3 If any debit card, Mobile Device belonging to a User(s) is lost or stolen, then the User(s) should immediately log in to either the Noveba Account Web or Mobile Application and disable the device in the case of a lost mobile and set the debit card status to “blocked” in the case of a lost or stolen card. The User(s) should also contact our Support Team straight away.
11.4 Any undue delay in notifying us may not only affect the security of funds held on your Noveba Account but may result in you being liable for all losses as a result.
11.5 If you or the User(s) knows or suspects any part of the Security Details are known by someone else, you should ensure that they are promptly changed and must contact our Support Team straight away.
11.6 If you or the User(s) is in doubt whether a communication or request from us is genuine, you should contact our Support Team at [email protected] If it is suspected that the Noveba Account has been accessed by someone else, or that any of the Security Details, debit card or Mobile Device has been lost or stolen, you should report the incident to the relevant authorities and report the incident.
11.7 If you or the User(s) identify fraud or any security threats on your Noveba Account, you should notify us immediately by contacting our Support Team at [email protected]
11.8 The Security Details are used in the following way:
a) The Password is used in conjunction with the user ID / email address to sign into the Web application;
b) The Access Code is used to authorise some actions;
c) 2 factor authentication is required for some actions;
d) Your debit card PIN is used to authorise CHIP and PIN card transactions.
11.9 Your Security Details must be treated as strictly confidential and you must:
a) ensure your computer, modem or any other device you or a User(s) use is safe, efficient and complies with any applicable standards and requirements;
b) carry out your own regular virus checks and firewall protection;
c) make your own contingency arrangements to cover system or operational failures or suspension;
d) follow the procedures and instructions that we give you from time to time in relation to a particular service; and
e) tell us as soon as you or the User(s) can if there is any failure, delay, malfunction, virus or error in the sending or receiving of instructions or any suspected fraud and assist in any remedial steps we propose.
11.9.1 We retain the right to refuse to process a payment transaction. We may also block a specific transaction if you or the User(s) debit card or Noveba Account is being used inappropriately/fraudulently or for security reasons. If we do, unless we are prohibited by law to do so, we will give you or the User(s) requesting the transaction notice of the refusal or block by email. If possible, we will provide the reasons for the block or refusal and where practicable, the procedure to follow to correct the situation or remove the block if the reasons for blocking no longer exist. You can contact the Support Team should you have any queries about the status of a payment transaction.
11.10 Noveba API:
11.10.1 We may make available to you our Application Programming Interface (‘API’), integration for compliance with provisions of PSD2 directive. Where we do, you shall comply with our documentation in connection with the integration and use of APIs.
11.10.2 You are prohibited from interfacing with the Noveba API in a way which we have stated is not permitted in the current version of our documentation or the publicly available documentation relating to the system.
12.1 Your Personal Data will be held, in accordance with applicable Data Protection Legislation with which we must comply.
12.2 Noveba.com represented by Noveba Limited (registered in the UK and authorised as an Electronic Money Institution by the Financial Conduct Authority) processes personal data independently. The Privacy Statement provides more detail on the measures taken to keep personal data safe.
12.3 For the purposes of providing our service to you we may share your personal information with contracted third parties e.g. banks and other firms external to us. Contracted third parties are obliged to ensure that your personal data is securely managed, at all times and will only use this data in line with our specific instructions.
12.4 In order to meet our legal obligations, we may share your personal information with authorities both within the UK and abroad to prevent money laundering, terrorism and fraud.
12.5 We will only process the Personal Data of the Users and such other persons identified by you, as part of a transaction or during the operation of your Noveba Account in accordance with the terms of this Agreement, specifically in accordance with the Privacy Statement. Our Privacy Statement is available on the Website. It contains details on how we use Personal Data, the privacy rights of individuals together with our commitments in relation to using Personal Data.
12.6 When sending a payment such as a credit transfer, Personal Data may be included in accordance with the requirements of the associated Clearing Network. This may include names, addresses and additional personal details of individuals including Users and other individuals in your business.
12.7 Accessing and updating your data
12.7.1 If your name or contact details change you must notify us. We will not be responsible if we fail to contact you because you have not provided us with your latest details. Data Protection Legislation provide you with rights with regard to your personal data. Details of these rights are available in our Privacy Statement.
12.7.2 Please read our Privacy Statement available on the Website for further details on our obligations and your rights.
13.1 Any complaints should be addressed to us in the first instance by contacting our Support Team at [email protected] . Your complaint will be handled in accordance with our complaints procedure, a copy of which is available on the Noveba.com website or can be provided to you upon request.
13.2 If the complaint is not resolved to your satisfaction, you may be eligible to use the Financial Ombudsman Service at Service Exchange Tower, Harbour Exchange, London, E14 9SR, United Kingdom. For additional details you may visit the website at www.financial-ombudsman.org.uk/ Some entities may be too large to avail of the Financial Ombudsman’s service.
14.1 You may close your Noveba Account with us at any time by contacting our Support Team at [email protected]. You must first withdraw the outstanding balance (if any). Once closed, your Noveba Account cannot be re-opened, but you can open a new Noveba Account.
14.2 We may close the Noveba Account or any part of the Service associated with it on giving you two months’ prior notice.
14.3 We may at any time suspend or close the Noveba Account without notice where you or the User(s):
a) breach any condition of the Agreement or any other condition applicable to specific services covered by separate agreement with us;
b) violate or we have reason to believe are in violation of any law or regulation that is applicable to the use of our Services;
c) we have reason to believe that you or the User(s) are in any way involved in any fraudulent activity;
d) process transactions or we have reason to believe that such transactions involve the making available or sale of content, services or products which are deemed by us in our sole discretion as being inappropriate, unlawful or potentially damaging to our reputation;
e) we reasonably believe that the Noveba Account has been compromised in any way or for other security reasons; or
f) we reasonably suspect the Noveba Account to have been used or is being used without your authorisation or fraudulently;
g) the account balance has gone into unarranged overdraft (including when the negative balance has emerged as a result of fees being charged) for more than 14 consecutive business days and/or any of the invoices raised by Noveba have not been paid in accordance with the terms stipulated in the invoice nor there is a sufficient account balance to offset the overdue invoice(s);
h) there is sufficient suspicion of activities taking place, such as (but not limited to): money laundering (including cases defined by the EU 6 th AML Directive), handling proceeds of crime, terrorist financing, tax fraud and evasion.
and in such circumstance we shall, unless prohibited by law, notify you prior to us suspending the Noveba Account, or if prior notification is not possible or practicable in such circumstance, then promptly after the suspension unless we are prohibited to do so by law.
14.4 Prior to closure of your Noveba Account, we will initiate the return of any funds in your Noveba Account to a nominated account through a Faster Payment or SEPA Credit Transfer, or SWIFT transfer, in accordance with your instructions. This condition may be invoked if there is a claim against these funds.
14.5 When closing your account, if you have any remaining balances, only after your consent, we can transfer them to the company's income if you are unable to withdraw them to your other account.
15.1 The Intellectual Property rights in all data, information, systems, processes or other material used by or developed by us for the purposes of providing the Noveba Account and Web Application or performing our obligations under the Agreement shall remain vested, or upon their creation vest, in us or our licensors. You and all Users shall use such material only for the purpose of receiving the Services, as contemplated by the Agreement.
15.2 The Intellectual Property rights and contents of the Noveba Account and Web Application are owned by us or our licensors. Reproduction of part or all of their contents in any form is prohibited without our prior consent. You will promptly notify us of any infringement or threatened infringement or of any challenges to validity or ownership of any Intellectual Property or other right of ours of which you become aware and will provide reasonable assistance to us at our expense, in connection therewith.
15.3 When using the Noveba Account Web Application, you must not perform any illegal actions or breach any applicable laws.
16.1 We will not be liable for any failure, interruption or delay in the performance of our obligations under this Agreement, in whole or in part, if such delay or failure is due to an event that is a Force Majeure.
Account Information Service Provider or AISP means a Payment Service Provider that with your permission can access your Noveba Account information such as accounts, balances, transactions and payees etc;
Access Code is the numeric code you assigned during the registration process to access the Mobile Application on your Mobile Device and to authorise some actions.
Account Mandate means our template account mandate form in which you authorise us to accept instructions from User(s);
Agreement means the legal agreement between you and us, and includes the Account Mandate, these Terms and Conditions, our Privacy Statement and Fees and Charges as are notified to you or the User(s) from time to time;
Administrator(s) means an individual authorised by you to access the Noveba Account as described in section 5;
ATM means Automated Teller Machine;
Business means an entity which has a Noveba Account with Noveba Limited;
Noveba Account(s) means one or more Noveba Account(s) provided by us used to access the Services;
Business Day means a day (other than a Saturday, Sunday or public holiday) on which we are generally open for business in the UK, where in relation to execution timeframes in respect of a payment to an account with another bank, a day on which the payee’s bank is also open for business. A Non-Business Day is any day which is not a Business Day;
Business Hours mean 9:00am to 5:00pm GMT on a Business Day;
Clearing Network shall mean an electronic clearing system in which payment transactions are exchanged among financial institutions, e.g. STEP2 SEPA Credit Transfer (SCT) Service, Faster Payments Scheme Limited, Bacs Direct Credit Scheme, SWIFT;
Customer means you, the entity which holds a Noveba Account;
Data Protection Legislation means Data Protection Act 2018, the Privacy and Electronic Communications Regulations 2011;
Direct Debit Instruction means an instruction from you to us, authorising a biller to collect variable or fixed amounts from your Noveba Account;
e-Money Wallet means an electronic wallet created by Noveba, to hold e-Money as a part of the Noveba Account functionality;
e-Money means an electronic payment product representing monetary value held electronically;
FAQ means the information on our services as provided on our website under the Frequently Asked Questions section;
Noveba API means the Noveba Application Programming Interface (“API”) and the related documentation, data, code, and other materials provided by us with the API, as updated from time to time;
Force Majeure means any event which is outside our reasonable control, including the unavailability or faulty performance of communication networks or energy sources, any act of God, any act or omission of governmental or other competent authority, strikes, industrial dispute, riots, war, civil unrest, revolution, act of terrorism, inability to obtain materials, embargo, refusal of licence, theft, destruction, denial of service attacks, unauthorised access to computer systems or records, programs, equipment, data, or Services, breakdown of plant or machinery, flood or other adverse weather conditions;
Intellectual Property means patents, registered designs, trademarks, service marks, design rights and database rights (whether registerable or otherwise), applications for any of the foregoing, copyright (including copyright in source code, object code, procedures manuals and related documentation), know-how, trade or business names and other similar rights or obligations, whether registerable or not in any country (including the United Kingdom and European Union) and all rights of a similar or corresponding character subsisting anywhere in the world;
Limits mean the transaction, service, lodgement, payment and withdrawal limits set by us at our sole discretion as provided for in section 9;
Mobile Application means the Noveba application available on the Apple App Store and Google Play Store;
Mobile Device means an Android or iOS device meeting the minimum requirements for the Mobile Application registered to the User of a Noveba Account;
Originator means a biller authorised to take payments from accounts using a Direct Debit Scheme;
Password means the secret word that must be used to access the Services;
Payment Service Provider means a company that offers payment, account and/or information services;
Personal Data means data relating to a living individual who is or can be identified either from the data; or from the data in conjunction with other information that is in, or is likely to come into, the possession of the data processor;
Permissions means the ability to perform a specific action in the Noveba Account;
PIN means the four (4) digit security code you enter when using your debit card;
Payment Initiation Service Provider or PISP means a Payment Service Provider that with your permission can initiate payments from your Noveba Account (please note this is optional and requires integration);
Pre Authorisation means a temporary hold of a specific amount of the available balance on your debit card when booking for example a hotel or car hire etc;
Privacy Statement means the Privacy Statement set out on our Website which sets out how we collect, use and share Personal Data;
Profile means all personal, entity and contact information relating to you, the Customer, including your Users;
Role(s) means the group of Permissions that can be applied to a User(s) by the Administrator(s);
Security Details means your business ID, password, PIN and the 2 factor authentication;
Services mean the services provided in accordance with the terms of this Agreement;
Support Team means the Support Team at [email protected]. The Support Team is available between Business Hours;
Terms and Conditions means these terms and conditions for Noveba Accounts as set out in this document and as amended from time to time;
Third Party Provider or TPP means either an Account Information Service Provider (AISP) which provides account information services only or a Payment Initiation Service Provider (PISP) which provides payment services only;
Underlying Transaction shall mean any contract or deal between you and the payee, e.g. for the supply of goods and/or services;
User(s) means each individual authorised by you to access the Noveba Account as per the Permissions set by their Role or any TPP authorised by you to access the Noveba Account;
You and Your shall mean you, the Customer, being an individual, partnership, limited partnership, limited company, charity, public authority or other entity (corporate or otherwise) or any TPP authorised by you;
Vulnerable Consumer means a natural person who has the capacity to make his or her own decisions but who because of individual circumstances, may require assistance to do so (for example, visually impaired); and/or has limited capacity to make his or her own decisions and who requires assistance to do so (for example, persons with intellectual disabilities or mental health difficulties);
We, Us, Our means Infobank24 Ltd;
Web Application means the web based application used to access the Noveba Account;
Website means our website available at https://gmwallet.com/en and its sub-domains. | finance |
https://brainstorminonline.com/steve-liesman-doubts-a-double-dip-economy-following-the-end-of-quantitative-easing-ii/ | 2023-12-05T02:35:21 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100540.62/warc/CC-MAIN-20231205010358-20231205040358-00487.warc.gz | 0.932805 | 197 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__141873675 | en | Steve Liesman is CNBC’s Senior Economics Reporter.
Steve reports on all aspects of the economy including the Federal Reserve Bank and major economic indicators.
Steve joined CNBC from The Wall Street Journal where he served as a senior economics reporter covering monetary policy, international economics, academic research and productivity.
Prior to joining the Journal in 1994, Steve was the business editor for The Moscow Times, where, as the founding business editor for the country’s first English language daily newspaper, he helped create the publication’s stock index, which was the country’s first.
Steve has also worked as a business reporter for both the St. Petersburg Times in St. Petersburg, Fl., and The Sarasota Herald-Tribune in Sarasota, FL.
Steve holds a Masters of Science from Columbia University Graduate School of Journalism and a B.A. in English from the State University of New York, Buffalo.
Steve is an avid fisherman and speaks Russian. | finance |
https://realestatefinancelaw.fieldfisher.com/2017/series-any-relief-for-mortgagees-on-the-issue-of-lease-forfeiture-part-1-forfeiture-for-breach-of-covenant-mortgagee-protection-provisions | 2018-05-27T21:28:31 | s3://commoncrawl/crawl-data/CC-MAIN-2018-22/segments/1526794870470.67/warc/CC-MAIN-20180527205925-20180527225925-00170.warc.gz | 0.946772 | 1,442 | CC-MAIN-2018-22 | webtext-fineweb__CC-MAIN-2018-22__0__131971917 | en | Series: Any Relief for Mortgagees on the Issue of Lease Forfeiture? Part 1: Forfeiture for Breach of Covenant & Mortgagee Protection Provisions
Ask a lender to name their top three red flag issues when it comes to commercial property due diligence and, more likely than not, "lease forfeiture clauses" will feature in that list.
Forfeiture is a classic mortgagee red flag issue for good reason; most leases contain a clause which grants to the landlord the right to forfeit the lease (by re-entering the demised premises to terminate the lease) on one or both of the following grounds:
(a) the tenant has breached a covenant under the lease
(b) the tenant is subject to an insolvency related event
If a landlord forfeits a lease, relief from forfeiture can be sought; but if denied by the Court, the outcome is bleak for a mortgagee – the security for its loan will be lost. A mortgagee will therefore be justifiably nervous about a forfeiture clause in a lease when looking to charge that lease as security for its loan.
This is Part 1 in a series of three posts on REFlections from the Riverbank examining issues faced by mortgagees in the context of lease forfeiture. Along the way, we will also consider certain mitigating measures that can be taken by mortgagees who wish to take security over such leases in lower risk scenarios.
Parts 1 and 2 will be based on the more straight-forward scenario of taking security over a commercial capital value head lease at a peppercorn rent. Part 1 will examine forfeiture by the landlord (the freeholder) for breach by the tenant of a lease covenant or condition, and the importance of mortgagee protection wording; Part 2 will consider forfeiture for tenant insolvency and the different forms of relief from forfeiture which can be sought from the Court.
Part 3 will examine the more complex scenario of taking security over an underlease where the superior lease contains forfeiture provisions, and will consider the consequences for a mortgagee of a subordinate lease where the superior lease is forfeited.
Forfeiture for Breach of Covenant or Condition
There are very limited circumstances in which a landlord is entitled to forfeit a lease in the absence of an express forfeiture clause. A landlord has an implied right to forfeit only where: (i) the tenant breaches a condition of the lease (as opposed to a covenant); or (ii) the tenant denies the landlord's title. An example of breach of condition is where a tenant fails to make payment of rent, and payment of rent is expressed to be a condition of the lease. Accordingly, and to avoid doubt as to the circumstances in which a landlord may forfeit the lease, forfeiture clauses are a standard inclusion. In light of the above legal principle, the clause will generally be worded to grant to the landlord the express right to forfeit for (amongst other things) breach of a tenant covenant.
Mortgagee Protection Wording in Commercial Leases
Where the lease in question has been taken as security by a lender, forfeiture is clearly problematic. If a landlord exercises its right to forfeit the lease (whether rightfully or not), at that point in time the lease, and any interests deriving from it, come to an end. Thus, the mortgagee has lost its security. Setting aside the matter of applying for relief from forfeiture (which will be examined in Part 2 of this series), what a mortgagee requires here is the ability to step in before the lease is forfeited, to have the opportunity to remedy the breach. (Note that in this context we are only considering commercial leases, as there are specific statutory limitations which apply to a landlord's right to forfeit a long residential lease).
Any commercial lease to be taken as security should therefore contain a mortgagee protection clause, which qualifies the landlord's right to forfeit to give the tenant's mortgagee this opportunity. Mortgagee protection provisions should require the landlord to notify the tenant's mortgagee in the event of breach of tenant covenant, giving the mortgagee a period within which to remedy the breach prior to the landlord re-entering the premises or commencing forfeiture proceedings.
Whilst this is the ideal scenario (and any modern capital value lease should contain such wording, in contemplation of the lease being taken as security), we do not, of course, live in an ideal world. A mortgagee may find itself in a position where it was not properly advised at the time of taking security, and now has on its hands a leasehold security interest which could be forfeited at any time without warning. Alternatively, a mortgagee may be looking to take security over a capital value head lease in a scenario which is inherently "lower risk" – this would be where the relevant lease is at a peppercorn rent and forms part of a large portfolio of properties to be taken as security, which is otherwise acceptable to the mortgagee. A mortgagee in this context may understandably be reluctant to simply walk away from the deal.
In all cases, a mortgagee should seek specific legal advice on the forfeiture point. A suitably experienced legal advisor should be able to advise the mortgagee on the nature and level of the risks involved, and whether there are any measures which could be taken to reduce its level of exposure in an appropriate situation.
As is increasingly becoming a first-resort solution to a host of property "defect" issues, indemnity insurance is one such protective measure. Many underwriters today will offer terms for mortgagee-only insurance policies, to cover losses arising from a landlord exercising or attempting to exercise its right to forfeit a lease without having first notified the mortgagee and given it the opportunity to remedy the breach. Depending on the level of risk assessed by the underwriter, the premium payable under such a policy may be lower than expected. This can be a convenient way for a mortgagee to lower its level of exposure.
Another solution is for the lease to be varied before security is taken over the lease, in order to rectify the forfeiture clause to include suitable mortgagee protection wording. This may seem like the best possible solution for any lease with unsatisfactory forfeiture provisions; however, one must proceed with caution. If an approach is made to the landlord to rectify the forfeiture clause, but rectification is denied or not achieved for whatever reason, this may in itself disqualify the mortgagee from obtaining indemnity insurance, in circumstances where insurance may otherwise have been available.
As the saying goes, prevention is better than cure, and this is certainly true in the context of lease forfeiture. However, in many cases, prevention is simply not an available option. The law surrounding lease forfeiture is complex, and a well-advised mortgagee must proceed with caution. It is crucial that any mortgagee looking to take security over a leasehold interest obtains suitable legal advice, in order to assess the risks involved and the best way forward.
In the next two parts of this series, we will delve into some of the more problematic forfeiture scenarios and consider how mortgagees can best navigate these often treacherous waters. | finance |
https://ecww.org/episcopal-retirement-communities-serving-seniors-limited-means/ | 2018-12-15T04:44:18 | s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376826715.45/warc/CC-MAIN-20181215035757-20181215061757-00347.warc.gz | 0.965879 | 643 | CC-MAIN-2018-51 | webtext-fineweb__CC-MAIN-2018-51__0__255499113 | en | Helen Long was a philanthropist and longtime parishioner of St. Luke’s Memorial, Tacoma whose generosity supported many charitable organizations, including local hospitals and Annie Wright School. In 1975, Helen’s trust provided a bequest for the Diocese of Olympia’s Episcopal Fund for the Aged and was used to help the diocese establish and fund what became Episcopal Retirement Communities (ERC). In the ‘90s, ERC set up and began operating two residences, helping to meet the growing need for affordable senior housing.
Across the country, the general population is ageing. According to a report by the Pew Research Center, nearly 10,000 people are retiring each day, four million every year, creating a need for senior housing that is destined to grow. Of those over 62, roughly 30% are postponing retirement – 60% of those individuals retire after 65 and 26% retire after 70. The average American retires at age 63, and their retirement typically lasts 18 years. In order for a retiree to draw $5,000 per month for 30 years of retirement, an individual needs to have over one million dollars in savings. The average 50-year-old has saved just under $43,000 and 55 to 64-year-olds have an average 401(k) balance of just under $178,000. 20% of Americans tap into their 401(k) assets early, either through a loan or withdrawal, and 36% of American adults over 65 are completely dependent on Social Security. 63% are dependent on Social Security, relatives, friends, or charity at age 65.
This segment of our society faces immense housing affordability challenges. At $5,000 to $6,000 a month for independent living in for-profit facilities, it is not hard to imagine the potential concerns of seniors without extended family support.
ERC currently operates two communities. St. Andrew’s Place is an assisted living facility in Port Angeles and Canterbury Manor is an independent living facility in Bremerton. What they have in common is high quality and affordability, serving seniors of limited means. For example, St. Andrew’s Place is the only Clallam County assisted living facility that accepts seniors on Medicaid upon admittance. No one has ever been asked to move out of either for lack of funds.
ERC hopes to expand the reach of their mission by building additional communities as opportunities present themselves. Another building is on the drawing board in Tacoma, an initiative brought to ERC by All Saints, Tacoma. The proposed building would provide more than 50 new affordable senior apartments on unused church land and new facilities the congregations could access as well.
Long-term, stable management is an asset, but the challenge is to continue to serve a low-income population’s housing needs cost-effectively in a world where real estate prices and other costs are rising. ERC’s major capitalization started and ended with Helen Long, so the organization has begun new fundraising efforts in order to grow and effectively meet the needs of a growing elderly population.
To find out more about Episcopal Retirement Communities, please follow the link below. | finance |
https://www.archibaldandshorter.co.nz/offers/asg-freedom-finance-by-land-rover/ | 2021-09-22T17:28:57 | s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780057371.69/warc/CC-MAIN-20210922163121-20210922193121-00053.warc.gz | 0.908322 | 578 | CC-MAIN-2021-39 | webtext-fineweb__CC-MAIN-2021-39__0__209564057 | en | FREEDOM BY LAND ROVER FINANCE
The Freedom by Land Rover finance agreement is designed to get you in the driving seat of the premium vehicle you had previously only ever dreamed of.
Simply choose your Land Rover, agree on a deposit, set your monthly payments (based on your annual mileage) and the length of contract you require – and drive away today.
When setting your annual mileage you also agree to standard wear and tear, and we establish a value that the car will be worth at the end of the contract term (the “guaranteed future value”). If you decide to retain the vehicle at the end of the contracted term, you simply pay this agreed value.
Right now, with a $23,600.00 deposit, 35 monthly payments of $1,065.00, and a guaranteed future value of $50,166.00, you can drive away in your new Range Rover Evoque P200 R-Dynamic S. Just one of the many options available across the range.
At the end of the term, you can choose to retain your Range Rover Evoque by paying the guaranteed future value, or hand back the keys (subject to any excess charges). If your Range Rover Evoque is worth more than the guaranteed future value, you can use this amount as a discount on the latest Land Rover model of your choice.
Enquire about Freedom Finance
Range Rover EvoqueFind out more
*Image is not representative of offer. Available on Range Rover Evoque P200 R-Dynamic S. MRP of $94,400.00, with monthly payments of $1,065.00 over a 3-year term, with a deposit of $23,600.00 plus a final balloon payment (the Guaranteed Future Value) of $50,166.00. Total mileage of no more than 45,000kms over the term applies. A fixed interest rate of 8.95% p.a. applies. The total loan amount is $87,439.00. At the end of the term you can choose to keep the car, by paying the Guaranteed Future Value, trade it or return it (subject to T&Cs and excess charges). Offer excludes ORC. While stocks last at participating dealers on new Range Rover Evoque P200 R-Dynamic S. Not available in conjunction with any other offer. Lending criteria, T&Cs and fees (including an $262.00 establishment fee and $10.35 PPSR fee) apply. Neither Motorcorp Distributors Ltd nor its retailers are credit providers. Land Rover Financial Services are provided by Heartland Bank Limited which uses the Land Rover Trademark under license from Jaguar Land Rover Limited, who is the registered proprietor of the trademark. JLR224142 | finance |
https://www.hnhautobody.com/Bird-in-Hand-insurance-questions.html | 2024-04-22T16:34:12 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818312.80/warc/CC-MAIN-20240422144517-20240422174517-00761.warc.gz | 0.96945 | 547 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__51646505 | en | Auto Insurance FAQs
Dealing with the stress of a collision is hard enough without trying to figure out how your accident insurance works. Here are some answers to frequently-asked questions about insurance policies.
Will the insurance company guarantee your work?
We guarantee our own work, but the insurance company does not have the legal right to guarantee a third party's work.
Who pays for repairs?
It depends on the circumstances. If you were at fault, but have comprehensive or collision insurance, the insurance company would pay the costs minus your deductible. If the other party was at fault, their insurance company should pay.
Do I have to accept the insurance company's appraisal of damage?
No. Check the "Appraisal Clause" in your policy if you have differences with their appraisal. It allows you and the insurance company to gather an opinion from an appraiser you both agree upon, or a third-party "Umpire" if you cannot agree.
Do I have the right to a rental car?
If you have purchased rental car coverage and were not responsible for the accident, you may seek reimbursement from the insurance company or, if another driver was responsible for the accident, their insurance company. If you do not have rental car coverage and were responsible for the accident, you have no grounds to ask for reimbursement. If the other driver was liable, you can generally seek reimbursement from their insurance company.
Who do I call to file a claim?
Reach out to your agent or insurance provider. If someone else is liable for your damages, it's essential to also get in touch with their insurance agent or company. The assigned adjuster will then guide you on any further necessary actions.
What does my policy require me to do after an accident?
Inform your insurance provider about the accident's details, including the time, location, and circumstances of the incident. Provide the names and addresses of individuals injured in the accident as well as any potential witnesses. Collaborate fully with the investigation process. Lastly, acquire or grant authorization for your insurance company to secure necessary documents, medical records, and relevant information.Want more information on your rights? To make an appointment, call us at 717-393-1200 or make an appointment online!
I had HNH fix a stretched metal/dent issue on one of my car doors. As someone who considers themselves a perfectionist, I can say these guys absolutely delivered. Attention to detail was considered in every way. I had put off this repair for several months as I was concerned of subpar bodywork. I am so thankful I chose HNH for my repair as everything looks perfect and I would absolutely recommend them to anyone. | finance |
https://cpsolu.com/contact-us-2-2/ | 2020-11-30T08:18:19 | s3://commoncrawl/crawl-data/CC-MAIN-2020-50/segments/1606141211510.56/warc/CC-MAIN-20201130065516-20201130095516-00080.warc.gz | 0.951362 | 196 | CC-MAIN-2020-50 | webtext-fineweb__CC-MAIN-2020-50__0__11689267 | en | What is an expense account – An expense account is an account that you can set up with CPS where you deposit funds and CPS uses those funds to pay for you permits. Please see the link below to send the request to CPS for approval. When your expense account balance gets low you will get an email alerting you that the balance is low.
The Expense Account works as follows:
1.) Your company provides CPS with a check that is deposited into an expense account.
2.) These funds are then used, as needed, to pay for your submittals, pick-ups, NOC recordings, etc. – covering all the services you require.
3.) Your company will be responsible for replenishing your Expense Account (by providing our company with a check, or by mail) when your balance is low.
Payment Link – Also you will find a payment link below where you can pay for your permitting fees as they come in from CPS. | finance |
https://support.oasiscd.com/hc/en-us/articles/205397038-What-types-of-payment-do-you-accept | 2024-04-19T21:16:09 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817455.17/warc/CC-MAIN-20240419203449-20240419233449-00538.warc.gz | 0.950319 | 129 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__120953451 | en | We accept all major credit cards:
- American Express
We also accept PayPal payments from "verified" PayPal accounts.
You would make your payment selection on the check out page of your quote.
If you are using a major credit card be sure to enter the correct BILLING address for your credit card. This is the address that you supplied to your issuing bank.
If you are using PayPal, you will be redirected to their site to pay. Once you send your payment, the order is submitted.
Please note that all pricing and payments are calculated in US dollars. | finance |
http://capitarealestate.live.id-demo.co.uk/create-deliver/case-studies/case-study-retail-menai-centre/ | 2018-01-22T18:11:44 | s3://commoncrawl/crawl-data/CC-MAIN-2018-05/segments/1516084891530.91/warc/CC-MAIN-20180122173425-20180122193425-00239.warc.gz | 0.962602 | 210 | CC-MAIN-2018-05 | webtext-fineweb__CC-MAIN-2018-05__0__139547360 | en | Tenants at the Menai Centre include Debenhams, River Island, H&M, JD Sports and Superdrug.
The adjacent multi-storey Dean Street (Menai) Car Park was included in the sale. The car park has 417 parking spaces, and is held on a 150 year lease from Gwynedd Council.
We recommended and executed a range of pre-sale asset management initiatives to create the most marketable investment product and maximise potential sale proceeds. The formal marketing campaign to dispose of the property began in October 2012, with a quoted price of £15,350,000.
After a series of offers and an aborted negotiation, we secured an increased offer from an institutional investor in November 2013. We finalised Heads of Terms, and oversaw the transaction through to exchange of contracts and successful completion in January 2014.
The sale price was £16,000,000, reflecting a net initial yield of 8.03% on the Menai Centre, after allowing for income shortfalls due to vacant units. | finance |
http://www.dalescountrysidemuseum.org.uk/get-involved/support | 2017-03-27T08:27:49 | s3://commoncrawl/crawl-data/CC-MAIN-2017-13/segments/1490218189466.30/warc/CC-MAIN-20170322212949-00440-ip-10-233-31-227.ec2.internal.warc.gz | 0.893726 | 164 | CC-MAIN-2017-13 | webtext-fineweb__CC-MAIN-2017-13__0__47245659 | en | We are able to receive financial donations through the Friends of DCM. Any monies received play a large part in maintaining Dales Countryside Museum as a great visitor attraction and a comprehensive record of life in the Yorkshire Dales.
To find out more about how we use donations, see our 'How your donations are used' page.
Make a donation
You can make a financial donation by sending a cheque, payable to 'FDCM' or 'Friends of the Dales Countryside Museum', to the address on our contact page.
Alternatively, you can make a donation online via PayPal by entering the amount you would like to donate and clicking on the image below. This will take you to a page on the PayPal website where you can pay using credit or debit cards or through a PayPal account. | finance |
https://balmainmassage.com.au/current/hicaps.html | 2021-12-06T11:28:49 | s3://commoncrawl/crawl-data/CC-MAIN-2021-49/segments/1637964363292.82/warc/CC-MAIN-20211206103243-20211206133243-00524.warc.gz | 0.964224 | 383 | CC-MAIN-2021-49 | webtext-fineweb__CC-MAIN-2021-49__0__133565587 | en | Let's be honest about it... we all love it when we go to the front desk for the final act of our appointment - the inevitable payment - get our private health fund card out and hand it over to get our rebate.
After all, that's why we give those health funds large amounts of money every month...
But there's more than just money to HICAPS, Australia's best-known health claims and payments service.
When "approved" flashes on the screen of the terminal, it means that the person who provided the service you're paying for is registered with HICAPS. In turn, HICAPS will only register a provider if they got the OK by Medibank Private.
This health fund is somewhat of a gatekeeper in the health industry - and it has been very strict with registering massage therapists because the industry is rife with people with dubious or limited qualifications.
Today Medibank Prive will need proof that a therapist is qualified at least at Diploma level - and sometimes even that is not enough.
At our Centre we make it a policy of only having therapists with at least a Diploma of Remedial Massage - but several of our people have a wider range of qualifications. All our remedial massage therapists are registered with most health funds (with a few exceptions - check at the time of booking) although some funds have chosen not to work through HICAPS, and for them we'll have to give you a receipt for you to claim directly.
Go to the HICAPS site where you'll find an up-to-date list of health funds offering rebates through HICAPS.
So, when you get your rebate at the end of a massage with one of our therapists, enjoy the extra money - but also the confidence that comes from knowning your body has been in the hands of a fully qualified massage therapist. | finance |
https://alternatives.centrum.co.in/about | 2023-04-01T11:31:31 | s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296949958.54/warc/CC-MAIN-20230401094611-20230401124611-00641.warc.gz | 0.919519 | 730 | CC-MAIN-2023-14 | webtext-fineweb__CC-MAIN-2023-14__0__137956913 | en | Centrum Alternatives is an India centric, multi-asset alternative investment platform focussed on private debt, public equity, venture capital and real estate. Our solution oriented approach to investing is centred on providing companies with the right capital structure backed by in-depth knowledge of industries and strategic value creation.
Our investors are both Indian and global. We offer solutions that include funds as well as managed and separate accounts to family offices, foundations, endowments, pension funds, fund of funds, corporate institutions and sovereign wealth funds.
India is our geographic focus as we believe the opportunities are immense and long-lasting. Our people have extensive investment and operating experience across economic, financial and business cycles, with expansive networks and deep understanding of industries and companies in India. This gives us an edge in going beyond providing capital and bringing strategic and operating value enhancement. Our culture and ethos is built on nurturing our talent, relationships and thought leadership in everything we do.
As a multi-asset alternative investment platform, we manage multiple strategies across private debt, public equity, venture capital and real estate. While the focus for each strategy may vary, what unites the team at Centrum Alternatives is our shared values.
We uphold personal integrity and transparency. We are clear about our commitments and act uncompromisingly to earn the trust of our stakeholders.
We believe in good citizenship. Where and how we invest, can have a long lasting and positive impact on businesses, employment and the broader society.
We are meticulous in our decision making approach. Our conviction comes from rigorous research, thought leadership, market insights and experience.
We consider that leadership in our actions entails good character, capability, work ethic and teamwork. We inspire our peers and stakeholders to act and think as leaders.
Investment Philosophy and Approach
By adopting a solution oriented approach to investing, we have embraced a partnership model to developing long term relationships with our investors, portfolio companies, intermediaries, other market participants, and team members.
Rigorous risk management
We aim to generate attractive risk-adjusted returns for our investors across strategies. We do not pull back from complexity as this may create market inefficiencies and opportunities. At the same time, we are rigorous in our assessment of risk and in deriving structuring solutions to mitigate those risks.
Our integrated team approach leverages the expertise of the broader multi-strategy platform for domain and functional expertise. Based on a fundamentals-driven philosophy, we combine top-down research with rigorous bottom-up company analysis and due diligence to create unique investment solutions.
Focus on key value drivers
We will invariably bring significant value accretion to our portfolio companies by helping focus on the key value drivers of the business and by working alongside with management. We are clear about our exit strategy and align with our portfolio companies to achieve our targeted returns over the expected holding period.
Centrum Group Leverage
Centrum Alternatives is the alternative investment management arm of the Centrum Group. Founded in 1997, Centrum has steadily grown from a merchant bank into a diversified financial services organisation offering a variety of services to institutional and individual clients.
By partnering with professionals with relevant experience, Centrum has established successful businesses in investment banking, wealth management, stock broking, insurance, SME & micro finance, affordable housing finance and alternative investment management. Centrum Alternatives benefits from the broader platform through enhanced deal origination, insights and research, and credibility of a trusted financial institution. | finance |
https://www.yourprofessionaltranslator.com/2012/10/what-has-my-freelance-life-taught-me.html | 2024-02-29T08:48:22 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474795.48/warc/CC-MAIN-20240229071243-20240229101243-00236.warc.gz | 0.968747 | 997 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__180911849 | en | Financial matters is the hardest part of freelancing for many people. And for me, too. It can be a real nightmare, because your income can change month after month. Hopefully this will be a good change, but there will also be slow periods with almost no work and thus no payment coming in.
I am still learning to manage my finances. The fact that I am a registered individual entrepreneur motivates me to keep the budget and not spend all the money at once (though at times I do feel like spending it all on shoes, makeup and other absolutely necessary things ;)) So here are my financial tips or rather lessons that I've been taught. Please feel free to add yours in comments!
1. Before you set your rates:
- Count your expenses. I mean count how much money you need for food, clothing, any loans/debts that you may have to pay + taxes, insurances etc.
- Then you need to think about professional costs - new equipment/software, membership payment in any professional organizations etc.
Then you will know the minimum that you need to earn. I count the expenses on a monthly basis, but you can choose counting them week by week etc. That will help you not to set your rates too low.
2. Market, market, and market your services. Marketing is a key element that helps you to break the feast and famine cycle. Marketing may include:
- attending networking events, both online and offline;
- social media marketing;
- direct advertising;
- telling your friends you need more work. I am so thankful for my friends! As soon as they learned that I went freelance they were the ones who provided me with work, gave advice and helped as much as they only could! I am very thankful to them. They introduced me to some clients with whom I've been working occasionally since then.
- I think one of the best ways to avoid the feast and famine cycle is to deliver excellent work every time. It's a vital part of your marketing when you show by actions that you are as good as your website says you are (or probably even better!).
4. Make a budget. I do it in a simple way: I make a 2-column chart. In the first column I have my expenses for a given month and in the other column I list expected payments and their dates. That helps me to see how much extra money I have, because there are always items on my wish-list. Besides, it's always nice to have some money set aside for holidays, gifts for friends etc. ;)
5. After you made your budget the next important thing is stick to it! Everybody hates unexpected costs, though some of them are inevitable, but do your best to stick as closely to your budget as possible.
6. Do your best to set some money aside in case something unexpected happens and you need money! People always hope nothing will happen, but life is life...
7. Do your best not to take any loans. In my case, this has not always been possible. But I have always done my best to keep my credit history spotless.
8. If possible, hiring an accountant would be a good idea. I am actually thinking about it, but I am still not sure I need an accountant on a permanent basis. I do use the help of a professional accountant at the time when I need to fill in my tax declaration at the end of the financial year.
9. One of my greatest concerns has always been insurance. I don't have professional indemnity insurance yet (Russian insurance market is different and insurance policies are different, too. But I am looking for a suitable variant). I do send some money to the Pension fund every quarter to make sure I won't die of hunger when I get old. Besides, I have insured my daughter. She is going to get a substantial sum of money when she finishes school and needs it for her higher education, plus she's insured in case (God forbid!) something happens to her parents. The monthly payments I have to make are fairly small, but at least I am more or less calm and sure that my child will have an easier life than I had during my university years.
10. As a little bonus, here is an article in FreelanceSwitch blog about personal finance apps that can help you create a budget and stick to it. Hope you find it useful!
Dear colleagues, how do you manage your finances? Were my tips helpful? I am looking forward to your comments!
I'd like to remind you about the contest that we are running at Sharp End Training Russia. A simple tweet or Facebook "like" can make you a winner of our Complete Blogging Toolkit for Translators! It's a wonderful opportunity! The final countdown will start very soon, so don't miss your chance! You can read more here. | finance |
http://eacomms.co.uk/index.php/raecrecip/bob-littledale | 2021-12-09T01:33:51 | s3://commoncrawl/crawl-data/CC-MAIN-2021-49/segments/1637964363641.20/warc/CC-MAIN-20211209000407-20211209030407-00583.warc.gz | 0.984469 | 158 | CC-MAIN-2021-49 | webtext-fineweb__CC-MAIN-2021-49__0__193783908 | en | Bob Littledale has held a PPL since he was 21 years old and joined the PFA in 2001, having retired from the post of Finance Director of CSE Aviation. He responded to an appeal from the Association for help with financial advice in 2006, becoming its Treasurer the same year. He retains that post today but in 2007 added the duties of Company Secretary.
He has sole responsibility for the detailed oversight of LAA finances which produces a large workload before and during audits and during budget setting. The Association has the greatest confidence in his good advice and judgement and the huge amount of work he does both as Treasurer and Company Secretary.
He still manages to find time to fly his own light aircraft and answer the host of questions the Board members’ ideas and proposals generate. | finance |
http://www.grandrapidsrealestatehomes.com/ | 2016-12-11T13:41:08 | s3://commoncrawl/crawl-data/CC-MAIN-2016-50/segments/1480698544679.86/warc/CC-MAIN-20161202170904-00397-ip-10-31-129-80.ec2.internal.warc.gz | 0.964278 | 1,137 | CC-MAIN-2016-50 | webtext-fineweb__CC-MAIN-2016-50__0__224088381 | en | Great Tips for a New Jersey First Time Home Buyer
Buying a new home is a crucial decision and if you are a New Jersey first time home buyer, then the following tips should help guide you. One of the few tests that you can do online to check whether you are financial ready is the affordability calculator and mortgage calculator. This will allow you to gauge where you stand financial with regards to the most suitable mortgage option.
Owning a house is a huge responsibility that offers great rewards. To achieve that, you must undertake proper planning and budgeting ahead for expenses. Also include the following costs in your monthly budget including; property taxes, home insurance, membership fees and property maintenance. Some of these fees are usually included in your mortgage payments while some are not, hence you should ask for more information regarding how these fees will be paid.
It is obvious that a buyer’s credit history also affects the home buying process as it influences whether or not you can get a good mortgage deal. Lenders are usually concerned about this particular detail as it shows them how well you repaid the money had borrowed. In general, lenders believe in giving mortgage products to people with higher scores since they have a higher chance of repaying the loan.
You will also need to pay a certain amount of money up-front to show your interest in the house so that you can get a mortgage. Actually, the initial money you pay for a down payment will also determine which mortgage you get and also your interest rates. A New Jersey first time home buyer who can contribute his own funds towards purchasing a home is considered a much better general credit risk.
You have probably started making a wish list containing all your expectations for the new home. Whether it is a good neighborhood, interior layout or number of bathrooms and bedrooms, there are a lot of things to consider. You should compile a list of all your requirements and then compare prospective houses to the list.
Arguably one of the most crucial features that first home buyers should consider is the location of your home in New Jersey. This is important since it influences the distance you will commute daily to work and also your proximity to shopping malls, churches, and other recreation areas. You should also check the quality of local public schools within that location.
The next step is now to find the most suitable home, and you can choose to do this yourself, but getting help from seasoned professionals could be quite beneficial. First identify the town that suits your requirements and then look for houses in those specific towns that are affordable and are within your budget. Some of the resources that you can use to find your house include websites, newspapers, and looking at “for sale” signage in targeted locations and also talking to acquaintances.
When you attend any open house, you should be very well prepared since this is an essential sales tool used by homeowners to market and try to sell their homes. Hence, you should bring your map and notepad to mark down all the locations you visit, noting down any special features. You should also pace yourself and avoid visiting too many open houses at once since you are likely to become biased and thus miss out on important details.
If you plan to checkout many houses, ensure you take breaks in between. For instance, you can view 3 houses before taking a break for lunch and then 3 more afterwards before taking another break and then seeing the final 3 houses in that day. Bring your camera with you and take pictures of any houses that catch your attention and also ask all the questions you can think of. Keep in mind that no question is foolish when it comes to buying a home.
Sometimes it is recommended for a New Jersey first time home buyer to take part in homebuyer counseling before making the final decision. Even though most loans are quite straightforward, going through counseling prepares you for the entire buying process including getting the best home, selecting a neighborhood, various mortgage terms and types and also real estate jargon.
Once you have found a suitable home, then it is time to make an offer. Experts recommend retaining an attorney for this particular step to help you negotiation terms, draft the purchase agreement and help you get the most suitable mortgage. Ensure you include contingencies and provisions in your offer to protect yourself from unscrupulous sellers.
Doing a home inspection before making a decision is vital for ensuring you get value for your money. Even though, you can inspect the house yourself, having professionals inspect and asses the house will assist you in finding out whether you are getting a good deal or being ripped off. The professional inspector will thoroughly assess the quality of the house and tell you of any necessary repairs or potential problems. This inspection service is usually affordable and will also save you money by preventing you from buying faulty properties.
As you now apply for your mortgage, you should do a title search to verify whether the seller is the true owner of the property in question. This search will also tell if there are any existing claims on your soon to be home. If you find any claims, your seller must pay them before you can close the deal. Additionally, you also need to buy title insurance and homeowners insurance before closing. Other important tests during this period include a survey, flood search, septic certification, well testing and termite inspection.
Finally, you can make the closing costs and then sign your mortgage. The seller will now hand over the title deed, and this transaction is going to be recorded in the local County Clerk Office. Once you have completed the short closing process, you are officially the new owner, and you can move in to your new home at your earliest convenience. | finance |
https://www.lundingold.com/en/about/corporate-governance/ | 2018-08-19T05:33:56 | s3://commoncrawl/crawl-data/CC-MAIN-2018-34/segments/1534221214702.96/warc/CC-MAIN-20180819051423-20180819071423-00510.warc.gz | 0.912523 | 960 | CC-MAIN-2018-34 | webtext-fineweb__CC-MAIN-2018-34__0__67718043 | en | Lundin Gold Inc. (the “Company”) is committed to the highest standards of openness, honesty and accountability that it various stakeholders are entitled to expect.
The Audit Committee of the Board of Directors of the Company has established these procedures for the receipt, retention and treatment of complaints or submissions regarding accounting, internal accounting controls or auditing matters, as well as other corporate misconduct and breaches of the Code of Business Conduct and Ethics or the Anti-Bribery Policy. Like the Code of Business Conduct and Ethics and the Anti-Bribery Policy, this Whistleblower Policy is designed to encourage ethical behaviour by all Lundin Gold employees, including employees of Lundin Gold’s subsidiaries, and provides details and procedures for submitting a Complaint.
Anyone may file a complaint using the general complaint procedure by mailing it to the Corporate Secretary, Lundin Gold Inc., 2000-885 West Georgia Street, Vancouver, BC Canada V6C 3E8. The Corporate Secretary will forward the complaint to the Chair of the Audit Committee. A general complaint may also be sent by email to [email protected].
In addition to the general complaint procedure set out above, an employee of the Company may submit a confidential, anonymous complaint regarding a questionable accounting or auditing matter by mailing of delivering it in a sealed envelope marked and addressed as follows:
Confidential Employee Concern
Chair of the Audit Committee
Lundin Gold Inc.
2000-885 West Georgia Street
Vancouver, BC Canada V6C 3E8
Additionally, an employee may submit a matter confidentially through an independent website, EthicsPoint. Such reports may be made anonymously or on a named basis, at the option of the employee. In order to submit a matter via the website the employee will need to follow directions for creating and submitting a report, which are contained on the website located at:
Contents of Complaints
To assist the Company in the response to or investigation of a complaint, the complaint should contain as much specific, factual information as possible to allow for proper assessment of the nature, extent and urgency of the matter that is the subject of the complaint, including, without limitation and to the extent possible, the following information:
- the alleged event, matter or issue that is the subject of the complaint;
- the name of each person involved;
- if the complaint involves a specific event or events, the approximate date and location of each event; and
- any additional information, documentation or other evidence available to support the complaint.
Following the receipt of any complaints, the Audit Committee will address each matter so reported, and corrective and disciplinary actions will be taken, if appropriate. The Audit Committee will determine the steps and procedures to be taken to address the complaint and whether an investigation is appropriate and, if so, what form such investigation should take (for example whether external investigators should be employed, the timing of such investigation and other such matters as are deemed appropriate in the circumstances).
The Company shall maintain the confidentiality or anonymity of the person making the complaint to the fullest extent reasonably practicable within the bounds of the law and of any ensuing evaluation or investigation. Legal or business requirements may not allow for complete anonymity. Also, in some cases it may not be possible to proceed with or properly conduct a complete investigation unless the complainant identifies himself or herself. In addition, persons making complaints should be cautioned that their identity might become known for reasons outside of the control of the Company. The identity of other persons subject to or participating in any inquiry or investigation relating to a complaint will be maintained in confidence subject to the same limitations.
Safeguards against Retaliation, Harassment or Victimization
The Company understands and acknowledges that an employee’s decision to report or raise a complaint can be a difficult one to make. Employees who raise serious concerns should have nothing to fear. The Company will not tolerate any retaliation, harassment or victimization (including informal pressures) and shall take appropriate action to protect employees who raise any complaint under this Policy in good faith.
Reporting and Retention of Records
The Chair of the Audit Committee will maintain a log of all complaints, tracking their receipt, investigation and resolution and shall prepare a summary thereof and present the same to the Audit Committee on a quarterly basis. Copies of complaints and the log will be maintained by the Chair of the Audit Committee in a confidential manner.
Records of any complaints will be maintained by the Audit Committee or its designee for a period of at least seven years.
This Policy will be distributed annually to all employees of the Company and will be published on the Company’s website.
Approved by the Audit Committee February 19, 2015 | finance |
https://custom-endsleigh.eccountplatform.com/reminder | 2022-07-04T06:32:06 | s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656104354651.73/warc/CC-MAIN-20220704050055-20220704080055-00683.warc.gz | 0.902302 | 211 | CC-MAIN-2022-27 | webtext-fineweb__CC-MAIN-2022-27__0__285475143 | en | Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. The card is issued by PayrNet Limited pursuant to license by Mastercard International Inc. PayrNet Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (registration number 900594) for the issuing of electronic money ("emoney"). PayrNet is a wholly owned subsidiary of Railsbank Technology Limited and provides regulated financial services to Railsbank customers.
Welcome to your new online account management site
We have made several improvements. Here are a few things to note:
To get the PIN for a card, select the relevant Card Account from the home screen, choose the card, then hit “Get my PIN”
To move money around within your account, select the Account you want to move the money from, then use the “Move Money” option
You can return to the main home screen at any time by clicking “Your Accounts” from the menu at the top of the page | finance |
https://www.cfrog.org/donate | 2019-03-20T17:37:50 | s3://commoncrawl/crawl-data/CC-MAIN-2019-13/segments/1552912202450.64/warc/CC-MAIN-20190320170159-20190320192159-00296.warc.gz | 0.890582 | 110 | CC-MAIN-2019-13 | webtext-fineweb__CC-MAIN-2019-13__0__99542611 | en | Monthly Donations to CFROG - Thank you!
This is where you help build the strong backbone for the work we do, which requires money to fund project appeals, research, outreach, public education, and yes, in some cases legal action to ensure legal compliance. This page will help you set up an ongoing monthly donation to CFROG. If you'd rather give a one time donation, click the box above that says JOIN & DONATE.
CFROG is a 501c3 organization.
Thank you for your support! | finance |
https://www.medi-tur.de/en/aftercare-insurance/ | 2023-12-03T17:26:41 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100508.42/warc/CC-MAIN-20231203161435-20231203191435-00463.warc.gz | 0.953106 | 192 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__152138671 | en | “Aftercare insurance or follow-up insurance” is a type of insurance that is usually used in a medical context. It covers the costs of medical treatment, care and follow-up after a specific medical intervention, surgery or medical procedure.
This insurance can be used to cover unexpected costs and expenses that may arise in connection with the recovery and healing process after medical treatment.
The exact conditions, scope of coverage and exclusions of aftercare insurance may vary depending on the insurance company and the specific medical procedures.
As an agency, we generally recommend taking out aftercare insurance so that you can have any medically necessary treatments after an operation abroad carried out in Germany free of charge. You will find various insurance providers for aftercare insurance on the Internet.
It is important to carefully review the terms of the insurance and possibly speak to an insurance advisor or medical subject matter expert to ensure you have a proper understanding of what is covered by the insurance. | finance |
https://nonprofit.volarisgroup.com/resources/career-growth-story-jay-hoffman | 2024-04-24T16:00:23 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296819668.74/warc/CC-MAIN-20240424143432-20240424173432-00401.warc.gz | 0.984369 | 1,234 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__110608587 | en | Career Growth Story: Jay Hoffman
Building Gallery Systems
Hoffman began his career as a staff auditor at an international accounting firm looking to get the experience required for the CPA, but quickly realized that it wasn’t what he wanted to do long-term. He then went to a large insurance company where he worked in the real estate development group working on high-rise office buildings and hotels. In this role, Hoffman gained experience with project management, financial modeling, contract negotiation, financial projections, and reporting. It was a great foundation for his future endeavor of running his own business.
It was at the insurance company that he became the in-house computer guru, doing financial modeling and programming his own simulations. Hoffman decided at that point that he enjoyed working with software. Around that time, the chairman of the company he was working at donated money for computers and software to a large museum in New York. Because of Hoffman’s reputation as the computer guru, the chairman asked him to help the museum determine how to spend money. That was the beginning of Hoffman’s entrepreneurial journey and ultimately lead to the founding of Gallery Systems.
After his initial introduction to the museum space, Hoffman developed a software for museums that managed all functions related to collections. This software could support multiple types of museum collections including natural history, graphic, archaeological, and more. Functions included logistical tracking, documentation, digitization exhibitions, loans, and the ability to publish collections onto the museum’s website.
In the beginning, Hoffman simply enjoyed working on the software for fun, but then he realized there was a real opportunity to turn his passion into a business. The business was founded in 1990, but it wasn’t until 1998 when Hoffman decided to quit his day job and invest in Gallery Systems full-time. In 1996, Gallery Systems merged with another business and in that process took on an angel investor. The business kept growing and became a major player in their industry, but eventually, the angel investor was ready to exit. In 2012, Jay Hoffman decided to sell Gallery Systems to Volaris Group.
Choosing Volaris Group
Hoffman says that the reason he ultimately chose Volaris Group came down to the people. “Everyone seemed very smart, honest, and forthright, which seems basic, but my perception was that it was similar to how I run my own business. It comes from the top; you lead with your values. I could see the same approach with the people that I met from Volaris.” Because Hoffman had managed his own company for over 20 years, it was important that he felt comfortable working with a new team and reporting to someone. Hoffman explains that his experience reporting to a leader in Volaris was a “mentor-coach relationship” rather than a “boss-employee relationship.” This approach allows business owners and leaders to continue running their businesses autonomously, while still giving them guidance and support every step of the way.
Another very important factor for Hoffman was that the Gallery Systems identity and legacy would remain intact. By joining Volaris Group, the business maintained its branding, culture, and structure, while gaining access to a global software-focused community. Hoffman also wanted to make sure that his employees and customers would be in a good environment post-acquisition. He says, “I felt that my own personal reputation was on the line in a way. If things didn’t go well, it would reflect on me personally with the employees and the customers, most of whom had become friends. I wanted to know that the company was in good hands and things were not going to be mismanaged.” The buy and hold philosophy of Volaris Group provided Hoffman with the confidence that his business would be supported in the long-term, with focus on growth and profitability rather than the next sale of the business.
Today, Gallery Systems has grown to over 900 clients in 32 countries, museums, universities, as well as large corporate collections. Hoffman recently reflected on his past 10 years with Volaris Group since joining via acquisition. In his own words, here are the top three unexpected benefits from the process:
1. Networking Opportunity: “At Volaris Group, you have a built-in network of CEO’s and other business leaders. You get to know a lot of people who have extensive experience in the software world. Our community is constantly sharing lessons learned, best practices, and what has been successful for our businesses. If a project did not generate results as expected, we share what we would do differently next time. Every presentation I’ve seen within Volaris Group has at least one slide with lessons learned, and I think the approach helps us continuously learn and grow.”
2. Career Growth and Development: “I was in my 50s at the time Gallery Systems was acquired, and I wasn’t thinking about what my career progression would look like in the future. After the acquisition closed, I was laser focused on executing and continuing to run my business. But a few years after the acquisition, I was encouraged to start exploring acquisitions myself. I wasn’t necessarily looking to be thrown into a situation where I was meeting with and presenting in front of lots of people, but it was really a good growth opportunity for me. It took me out of my comfort zone.”
3. The Importance of Metrics: “Volaris Group has a great framework for benchmarking that we use across all of our business units. These metrics have been developed over many years after analyzing hundreds of acquisitions in the software industry. They provide valuable insights into business decisions and are very useful in keeping our company growing and financially healthy. Now, when we look to start a new project or initiative, we are thinking in terms of metrics and how this decision may impact our goals.”
Interested in becoming a part of Volaris Group’s Nonprofit portfolio? Our growth is just getting started! Connect with us today. | finance |
https://staging.faxi.co.uk/corp/en/new-feature-update-pay-contribitions-to-your-journey-sharing-companions-by-mobile-phone/ | 2020-07-11T08:32:26 | s3://commoncrawl/crawl-data/CC-MAIN-2020-29/segments/1593655924908.55/warc/CC-MAIN-20200711064158-20200711094158-00122.warc.gz | 0.947967 | 219 | CC-MAIN-2020-29 | webtext-fineweb__CC-MAIN-2020-29__0__173983885 | en | Faxi is delighted to announce that it will shortly be launching a payment facility within the app, in conjunction with Barclays Pingit, to enable financial contributions to be made to drivers and other Faxi users.
The Faxi map will provide cost calculations for the journey specified and customers will be able to make instant payments to other users via their mobile phone, so the cost of the journey can be shared.
Whether making payment contributions to a driver or sharing the cost of a taxi among other Faxi users, the new payment functionality makes journey sharing even easier, with everything available at the touch of a button.
Tony Lynch, Faxi CEO, said: “This new payment functionality is crucial to simplifying the journey sharing experience – we want as many people as possible to start sharing their daily commute and regular journeys with others, and to make it as easy as possible for people to do so. Faxi is adding in new features all the time and it’s just one more exciting step which makes Faxi the ultimate journey sharing app.” | finance |
https://buyeditor.com/investing-in-the-true-north-business-opportunities-in-canada/ | 2024-04-14T17:46:30 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816893.19/warc/CC-MAIN-20240414161724-20240414191724-00642.warc.gz | 0.920534 | 720 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__198376537 | en | Canada, known for its breathtaking natural landscapes, diverse culture, and stable economy, presents a multitude of enticing business opportunities for both domestic and international investors. With its strategic location, skilled workforce, and supportive government policies, Canada has become a prime destination for entrepreneurs looking to establish and grow their businesses. In this article, we will explore the various sectors and industries that offer promising investment prospects in the True North.
Technology and Innovation
Canada’s technology sector has been experiencing rapid growth in recent years, fueled by a culture of innovation, access to top-tier talent, and government support for research and development. Cities like Toronto, Vancouver, and Montreal have emerged as vibrant tech hubs, attracting startups, established tech companies, and investors from around the world. From artificial intelligence and machine learning to clean technology and biotechnology, Canada’s tech ecosystem offers lucrative opportunities for investment and business expansion.
With a commitment to sustainability and environmental stewardship, Canada has made significant strides in the development of renewable energy sources such as hydroelectricity, wind power, and solar energy. The country’s vast natural resources and expansive geography make it an ideal location for renewable energy projects, including large-scale hydroelectric dams, wind farms, and solar installations. As global demand for clean energy continues to rise, investing in Canada’s renewable energy sector presents promising opportunities for long-term growth and impact.
Healthcare and Biotechnology
Canada’s healthcare and biotechnology industries are renowned for their world-class research facilities, cutting-edge medical technologies, and innovative pharmaceutical companies. The country’s universal healthcare system, combined with government support for healthcare innovation, creates a conducive environment for investment in areas such as medical devices, biopharmaceuticals, and digital health solutions. With an aging population and increasing demand for healthcare services, investing in Canada’s healthcare and biotechnology sectors offers significant potential for financial returns and societal impact.
Natural Resources and Mining
Canada is rich in natural resources, including minerals, metals, forestry products, and energy commodities. The country’s mining sector is one of the largest in the world, with abundant reserves of gold, copper, nickel, and other valuable minerals. Additionally, Canada’s vast forests provide opportunities for timber harvesting and sustainable forestry practices. With global demand for natural resources continuing to grow, investing in Canada’s natural resources and mining industries offers potential for strong returns and diversification of investment portfolios.
Tourism and Hospitality
Canada’s tourism industry is a major contributor to the country’s economy, attracting millions of visitors each year to its iconic landmarks, cultural attractions, and outdoor recreational activities. From the majestic Rocky Mountains and pristine national parks to vibrant cities and charming coastal towns, Canada offers a diverse range of experiences for travelers to explore. Investing in tourism and hospitality infrastructure, including hotels, resorts, and tour operators, presents opportunities to capitalize on the growing demand for travel and leisure experiences in Canada.
In conclusion, Canada offers a wealth of business opportunities across various sectors and industries, driven by factors such as technological innovation, renewable energy development, healthcare advancements, natural resource abundance, and tourism growth. Whether you’re a seasoned investor seeking high-growth opportunities or a newcomer looking to diversify your portfolio, investing in the True North can yield significant returns and contribute to the country’s economic prosperity. So seize the opportunities that Canada has to offer and embark on a journey of business success and growth in the Great White North. | finance |
http://www.onlinepoker.directory/news/2015/02/vancouver_casinos_attract_chinese_high_rollers/index.html | 2021-09-21T09:04:39 | s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780057199.49/warc/CC-MAIN-20210921070944-20210921100944-00621.warc.gz | 0.956909 | 435 | CC-MAIN-2021-39 | webtext-fineweb__CC-MAIN-2021-39__0__210182502 | en | The British Columbia Lottery Corporation (BCLC) hopes to increase its revenues this year as it has attracted a number of Chinese high rollers.
Since its lottery ticket sales have fallen, the Crown Corporation has focused on promoting its casino products to wealthy high rollers from Mainland China, who are willing to bet as much as $100,000 on a game of baccarat. BCLC CEO Jim Lightbody says that the strategy has been immensely successful as table games, including high-stakes games, have generated 20 percent more revenue than last year.
The Crown’s budget papers indicate that it intends to beat its own target of generating a net income of $1.2 billion for the fiscal year ending on March 31 because of “an increase in high-limit table revenue.”
But critics say that the provincial government is taking a huge risk by promoting a variant of gambling that has been known to encourage organized crime and money laundering in different parts of the globe.
Sandy Garossino, who belongs to Vancouver Not Vegas, an association that is urging the government to impose a moratorium on gambling expansion, said: “I would suggest we’re more than flirting with this, and the government has to know this. Surely, someone, somewhere should be asking: Is this the right thing for a B.C. Crown corporation to do?”
According to Lightbody, brick-and-mortar casinos have raised the number of “salons” or private gambling rooms and increased table limits from $5k to $100k per hand. Casinos have also started providing comps, accommodation, and free food for the benefit of their high-stakes customers.
Currently, the Lower Mainland has 135 salons or private gambling rooms, most of them in the region’s top four casinos—Vancouver’s Edgewater, Richmond’s River Rock, Burnaby’s Grand Villa, and New Westminster’s Starlight.
The high-stakes tables are meant chiefly for Chinese gamblers, who prefer high-stakes baccarat games. | finance |
Subsets and Splits
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