url
stringlengths 15
1.48k
| date
timestamp[s] | file_path
stringlengths 125
155
| language_score
float64 0.65
1
| token_count
int64 75
32.8k
| dump
stringclasses 96
values | global_id
stringlengths 41
46
| lang
stringclasses 1
value | text
stringlengths 295
153k
| domain
stringclasses 67
values |
|---|---|---|---|---|---|---|---|---|---|
https://www.avalon-ventures.com/bios/tighe-reardon
| 2019-07-22T20:50:26 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-30/segments/1563195528220.95/warc/CC-MAIN-20190722201122-20190722223122-00546.warc.gz
| 0.981072 | 204 |
CC-MAIN-2019-30
|
webtext-fineweb__CC-MAIN-2019-30__0__147936616
|
en
|
Tighe Reardon joined Avalon in 2014 as Vice President of Finance and was promoted to Chief Financial Officer in 2015. Mr. Reardon has over 15 years of senior finance and technical tax experience ranging from start-ups to large public companies. As CFO, Tighe is involved in general fund administration as well as in the financings, exits and liquidations for all portfolio companies.
Prior to joining Avalon, Mr. Reardon was the Senior Vice President of Tax and Treasury at DJO Global, Inc., a $1.2 billion multinational medical device company owned by Blackstone, Inc. (NYSE:BX). Additionally, Mr. Reardon acted as the Director of Taxation for Relational Investors, LLC, a $7 billion activist fund.
Mr. Reardon began his career at Arthur Andersen LLP. He has a M.S. in taxation and a B.S. in accounting from San Diego State University. He is a Certified Public Accountant in the State of California.
|
finance
|
http://atacarnet.in/chennai-august-13-2009-2.html
| 2017-04-26T13:51:15 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917121355.9/warc/CC-MAIN-20170423031201-00354-ip-10-145-167-34.ec2.internal.warc.gz
| 0.954691 | 433 |
CC-MAIN-2017-17
|
webtext-fineweb__CC-MAIN-2017-17__0__269790787
|
en
|
Use of uniform customs document advocated The Hindu, Chennai, August 13, 2009
To offset the dip in trade volumes owing to the economic crisis, businessmen should make extensive use of "ATA Carnet" as is done in the developed countries, said Alop K. Mittal, adviser to the Federation of Indian Chambers of Commerce and Industry (FICCI), here on Tuesday.
ATA is an acronym for the French and English words 'Admission Temporaire/Temporary Admission.' It is an international uniform customs document issued in 66 countries. It permits duty free temporary admission of goods into a member-country without the need to raise customs bond, payment of duty and fulfilment of other customs formalities in one or more countries.
Addressing FICCI members at a workshop on 'ATA Carnet: Rights and Obligations,' he said it was a testing time for the developed and developing countries and efforts should be made by the business community to take full advantage of international taxation practices and regulations. P. Murari, adviser to the FICCI president, said the cumulative exports from April to June 2009 was Rs.1,72,762 crore against Rs.2,14,808 crore in the corresponding period last year, and imports were Rs.2,48,171 crore (Rs.3,34,191 crore). This represented a drop of 31 per cent and 36.5 per cent respectively in dollar terms, he said.
P.S. Pruthi, Commissioner of Customs and Export Promotion, Central Board Excise and Customs, said that in the last two to three years, indirect tax collections had declined while direct tax collections had gone up.
C. Hari Rao, Additional Commissioner of Customs, Air Cargo Complex, Chennai, said: "FICCI is the National Issuing and Guaranteeing Association for ATA Carnets in India. It has been doing a good job."
S. Vijayalakshmi, Assistant Director, FICCI, and D.V. Venkatgiri, Director, FICCI-Tamil Nadu State Council also spoke in the workshop.
|
finance
|
https://www.mouthdocs.com/faq/
| 2024-02-25T06:05:44 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474581.68/warc/CC-MAIN-20240225035809-20240225065809-00826.warc.gz
| 0.955296 | 542 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__157810959
|
en
|
Our office is contracted with most PPO insurance plans. Because we know most people do not like to be forced by insurance companies to choose from a list of healthcare providers, our office has chosen to become an “unrestricted provider” of dental services. What this means is that even if we may not be on your list we can still see you as a patient and provide the best quality dentistry possible. We will always estimate for you your co-pay, if any, and help estimate how much your insurance may cover or reimburse back to you. We also offer a choice of several payment options. In essence, you pay our fee for services(we always give you an estimate up front) and we will ask for that payment and then work with you to help get your insurance company to send their contracted fees back to you. If you would like, our Insurance/Financial Coordinator would be happy to review your dental plan with you. Give us a call today! 727-548-7100
-Cash, check, and most major credit cards are always accepted to cover your co pay.
-Interest free payments are another option. Our office has a long standing relationship with Care Credit, a company that offers monthly payments.
-For those without traditional dental benefits such as insurance, we offer an annual membership in the Piper Family Dentistry Wellness Plan. Benefits include reduced fees on most services including cleanings, exams, x-rays, and dental treatment. Unlike dental insurance, our Wellness Plan has no required deductibles, no calendar year maximum limitations, no qualifications or pre-existing condition exclusions, no need for pre-determinations, no restrictions on cosmetic services, or any other red tape that can sometimes make dental insurance reimbursement confusing and annoying. That’s because our Wellness Plan is not dental insurance – it is a membership plan that we are bringing right to you without any third-party interference or limitations! Call today to learn more! 727-548-7100
One key component of maintaining good dental health is to discover if something is wrong early. By waiting until something breaks or is painful can make recovery much harder and cost more money. Prevention and early detection are why we recommend visiting the dentist regularly. During your examination, Dr. Piper and his team help you understand your oral condition and make recommendations on how you can prevent painful and costly treatment. Routine dental care is important many for reasons such as helping to prevent tooth decay and bad breath, periodontal (gum) disease, which can lead to tooth and bone loss and screen for oral cancer. Call us today for your wellness visit. 727-548-7100
|
finance
|
http://fdz.iab.de/en/FDZ_Events/NUKO2008.aspx
| 2017-02-26T05:45:52 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-09/segments/1487501171936.2/warc/CC-MAIN-20170219104611-00419-ip-10-171-10-108.ec2.internal.warc.gz
| 0.814893 | 216 |
CC-MAIN-2017-09
|
webtext-fineweb__CC-MAIN-2017-09__0__135090162
|
en
|
Inhaltsbereich: Institut für Arbeitsmarkt- und Berufsforschung
3rd User Conference on the Analysis of BA and IAB Data
December 5th and 6th, 2008
The Conference will be held in Congress Centre of Bundesagentur fuer Arbeit (Federal Employment Agency), Regensburger Strasse 104, Nuremberg, Germany. For access to the building you need an ID Card or passport.
Directions to the Bundesagentur fuer Arbeit.
During this conference, research projects which are based on BA and IAB data will be introduced. Moreover, the conference is an important contact and experience exchange forum for data users and producers.
The conference language will be English.
Reimbursement of travel and accommodation costs for speakers
There will be a small budget to cover travel and accommodation expenses for speakers who don’t have other financing possibility. If you want to apply for a refund, please inform us about the approximate amount of travel costs when submitting your paper.
|
finance
|
https://redjacket.owwl.org/help-wanted-part-time-treasurer/
| 2021-01-23T23:54:15 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-04/segments/1610703538741.56/warc/CC-MAIN-20210123222657-20210124012657-00225.warc.gz
| 0.921167 | 632 |
CC-MAIN-2021-04
|
webtext-fineweb__CC-MAIN-2021-04__0__20491125
|
en
|
Red Jacket Community Library is seeking a part-time treasurer. Flexible hours, approximately 15-20 hours per month, $500. You will work closely with the Director and report to the Board of Trustees. Experience with QuickBooks and accounting for non-profit organizations preferred.
Job Title: Treasurer, Red Jacket Community Library, Shortsville, NY
Reports To: Red Jacket Community Library Board of Trustees
Job Summary: The Treasurer is an independent officer of the Red Jacket Community Library, appointed by the Board of Trustees under provisions of Education Law §259(1)(a) and serving at the pleasure of the Board. Reporting to the Board of Trustees and working closely with the Library Director, the Treasurer is responsible for depositing and disbursing library funds, maintaining appropriate accounting records, and providing a monthly Treasurer’s report to the Board. Additionally, the Treasurer provides financial input required for reports to the state, county and federal government. The Treasurer assists the Board and Director in preparing the Library budget.
Essential Duties: Refer to RJCL Policy 500-3 (PDF) for a detailed list of essential duties.
Expectations of the Board
- This job requires approximately 15-20 hours per month, varying over the year.
- The Board expects the Treasurer to be present at the Library once or twice each week: To pick up and deliver essential documents; to review budget performance with the Director; to answer questions for the Board’s Claims Auditor; and otherwise work with the Director and members of the Board. Times, dates and duration of these working sessions to be mutually agreed upon.
- The Board expects the Treasurer to attend most regular meetings of the Board (one evening per month).
- The Treasurer may perform additional work remotely using the laptop computer provided for this purpose by the Library.
Required Knowledge, Skills and Abilities
- Knowledge of accounting procedures, especially as pertaining to non-profits
- Knowledge of, or ability to learn, accounting and reporting requirements specific to Libraries as imposed by New York State, including deadlines for filing of essential reports
- Attention to detail
- Ability to monitor and meet deadlines, including notifying the Board of upcoming deadlines that require Board action
- Ability to prepare and clearly present a monthly Treasurer’s report, highlighting and explaining essential financial information from the financial reports, to the Board of Trustees
- Ability to work cooperatively with the Director to monitor the Library’s budget and financial health
- Ability to respond promptly and appropriately to requests from the Board of Trustees and the Director
- Ability to work with QuickBooks and common computer applications (e.g. MS Office)
- Ability to navigate cloud storage systems (e.g. Google Drive) to share reports
Education and Experience
Bachelor’s Degree in accounting or equivalent work experience
Civil Service Classification
The Library Treasurer is not part of the competitive class of civil service but, as a part-time Library employee, must comply with local civil service rules.
Send resumes to [email protected]
|
finance
|
https://jixsze.com/order-form/
| 2023-06-10T20:12:54 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224646350.59/warc/CC-MAIN-20230610200654-20230610230654-00741.warc.gz
| 0.924156 | 113 |
CC-MAIN-2023-23
|
webtext-fineweb__CC-MAIN-2023-23__0__224446331
|
en
|
NOTE: Presently we only sell our products in Singapore (locally).
To purchase, kindly fill in this order form and submit it.
1. Upon receiving your order, we will send you an email confirming your order with an invoice number for you to make the payment to complete your purchase. Details of our bank account will be indicated in the invoice. Payment can be made via PayNow Corporate or ATM Transfer / Direct Bank Credit.
2. Once payment is received, we will send you an email to confirm the delivery schedule.
|
finance
|
http://bsbi.org/subscriptions
| 2017-10-19T03:37:22 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-43/segments/1508187823220.45/warc/CC-MAIN-20171019031425-20171019051425-00886.warc.gz
| 0.914069 | 810 |
CC-MAIN-2017-43
|
webtext-fineweb__CC-MAIN-2017-43__0__112135254
|
en
|
BSBI has around 3,000 members from Britain, Ireland and beyond. Members receive the following benefits:
- Three member newsletters per year
- Three issues of our scientific journal, New Journal of Botany, per year
- Access to the host of field meetings, conferences and other events run throughout the year.
- Contact details for botanists and local groups in your area.
- Access to our network of expert referees on hand to assist in identification of difficult groups.
- Discounts on BSBI publications from Summerfield Books.
Joining is simple and we have a range of payment options available. Take the following steps:
1. Right-click on this Membership Form, save it to your computer’s hard disk and then double-click on it to open it. Once completed, save it again and email it to the membership secretary or post it to 41 Marlborough Road, Roath, Cardiff, CF23 5BU.
NB, the form is in pdf format. You may need to install free Adobe Reader software to open it.
2. Choose a payment option
- Direct Debit (print the form, sign it and either scan and email it or post it to the Membership Secretary)
- Online payment (use the button to the right)
- Cheque or postal order (made payable to BSBI and post to Membership Secretary, 41 Marlborough Road, Roath, Cardiff, CF23 5BU)
- Bank transfer. Contact us for our bank account details.
3. Complete the GiftAid form (if you wish to).
- Ordinary (UK & Ireland): £30 (€38) per year.
- Family: £4 (€5) for each additional member (but no separate mailings).
- Junior: £12 (€15) (up to the age of 21 or up to 25 if in full-time education).
- Overseas: £32 (€40).
- Senior (for longstanding members, see below): £22 (€28).
Subscriptions are due on the 1st of January each year but if you join after 1st October the subscription lasts to 31st December of the following year.
By joining BSBI you will also become a company member supporting and agreeing to the BSBI’s objectives and ways of operating set out in our Articles of Association.
With the introduction of the New Journal of Botany BSBI has abolished its institutional membership category. Institutions will instead subscribe to NJB via our publishers, Taylor & Francis. Visit their website for details.
New Journal of Botany
To subscribe to a paper copy of the NJB, you can use the PayPal buttons below to pay the additional fee of £6.66 or €8.66 per year for two issues.
Our Membership Secretary is Gwynn Ellis. You can contact him on membership matters, including change of addresses, at 41 Marlborough Road, Roath, Cardiff, CF23 5BU.
Making an online payment
You can pay your subscription online using the secure Paypal system (if you don’t have a Paypal account you can still pay online using a debit card). There are two Pay Now buttons below for standard membership categories, so you can pay in either sterling or euros.
Please use the 'Instructions' field below to add your membership number (if you are renewing your subscription) or to tell us that you are a new member.
The Pay Now button below allows you to put in the sum that applies to you and set your own payment for other membership categories, subscriptions to BSBI News, etc. Please use this button to pay any non-standard amount.
Members who have been with the Society for at least 10 years, are over 65 and not in full time employment, may apply to the Membership Secretary (Gwynn Ellis) to have their subscriptions reduced to a 'Senior' rate.
|
finance
|
https://cog.network/disclaimer/
| 2021-07-31T03:12:21 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046154042.23/warc/CC-MAIN-20210731011529-20210731041529-00592.warc.gz
| 0.934054 | 447 |
CC-MAIN-2021-31
|
webtext-fineweb__CC-MAIN-2021-31__0__225299173
|
en
|
COG Network Management LLC or any of its affiliates (collectively, “COG Network”) will be conducting a private fund offering for accredited investors in the United States and investors abroad. Investing will be limited by individual country regulations and based on acceptance of investors in the offering.
Neither this website nor any of the information contained herein is intended to be or is an offer to sell, or a solicitation of any offer to buy, any security or other financial instrument or to invest in the equity or token issued by COG Network (“COG Security”). The offering of any COG Security will not be registered, qualified, or approved under any securities, futures, financial instruments, capital markets, or exchange control legislation, regulation, or ordinance of any jurisdiction. In all jurisdictions, any offer to sell or solicitation to buy any COG Security, when made, will be directed solely to accredited, qualified or sophisticated investors to whom offers and solicitations to sell any COG Security may be made without any licensing, registration, qualification, or approval under applicable law. Before you decide to invest in any COG Security, you should carefully read the applicable offering documents and consult with your own advisors. An investment in any COG Security will be speculative and will involve significant risks, which you should understand prior to making an investment. The private placements of any COG Securities will not be registered under the Securities Act of 1933, as amended (the “Securities Act”), or any state or foreign securities laws, and any COG Securities will be offered pursuant to an exemption from registration provided by (a) Rule 506(c) of Regulation D promulgated under the Securities Act and in reliance on similar exemptions under applicable state laws and (b) Regulation S promulgated under the Securities Act. An investment in any COG Security will be suitable only for (i) U.S. investors who represent and verify that they are accredited investors as such term is defined in Rule 501(a) of Regulation D under the Securities Act, and (ii) non-U.S. investors who represent they qualify as the type of investor required under laws of the jurisdictions applicable to such investors.
|
finance
|
http://www.anchoragedemocrats.org/
| 2014-04-24T00:40:13 |
s3://commoncrawl/crawl-data/CC-MAIN-2014-15/segments/1398223204388.12/warc/CC-MAIN-20140423032004-00445-ip-10-147-4-33.ec2.internal.warc.gz
| 0.894937 | 250 |
CC-MAIN-2014-15
|
webtext-fineweb__CC-MAIN-2014-15__0__72323126
|
en
|
Community Action Fund: Anchorage Democrats Give Back
Anchorage Democrats Community Action Fund is intended to support
local initiatives that demonstrate a benefit to the greater
Anchorage community, made possible through Alaska's Charitable Gaming Funds through the Alaska Democratic Party. Projects that create social, educational, artistic and recreational initiatives are invited to apply each year to receive a grant.
Applicants can be individuals, businesses or non-profit organizations
that reside within the municipality of Anchorage. The applicant
should clearly articulate how funds will be used, and how the use of
funds will benefit the community.
Congratulations to the 2011 Award Recipients:
Alaskan AIDS Assistance Association- funds used for AIDS prevention, testing, and awareness education.
First Alaskans Institute- funds used for the Elders & Youth Conference.
Back to Work Network- funds used to purchase shoes and clothing for needy children in the Fairview area.
Alaska Women's Veterans- funds used for organizing and community building among Alaska's women veterans.
Identity- funds used to bring rural youth to their fall Pride Conference & Youth Summit.
The Music Machine- funds will go to scholarships for disadvantaged children to participate in their arts and music programs.
|
finance
|
https://www.ga-criminaldefense.com/criminal-defense/white-collar-crimes/types-of-fraud/credit-card-fraud/
| 2023-12-06T13:27:53 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100599.20/warc/CC-MAIN-20231206130723-20231206160723-00457.warc.gz
| 0.944546 | 506 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__221601284
|
en
|
Credit card fraud is becoming more and more common as newer forms of technology make consumers more vulnerable. When an individual unlawfully uses another person's credit card information to take money from their account or make purchases using their name, it is considered credit card fraud.
Credit card fraud is not taken lightly by law enforcement. These offenses can be charged on the state and federal level, with the federal government cracking down especially hard on the upsurge of these crimes. Some cases can even be escalated to involve the Federal Trade Commission or the FBI. Attorney Howard J. Weintraub can lend his insight as a former prosecutor to ensure you have a credible and resilient defense behind you.
What should I do after I have been charged?
You should first consult with an experienced to go over your legal options. Working with your best interests in mind, our team can explore all the possible strategies to create your defense. As credit card fraud grows more prominent, so do the defenses available for defendants. We are here to ensure you are treated fairly throughout the process and your voice is heard in court.
We have helped clients facing a variety of credit card fraud, such as:
- Using false information to open a credit card
- Identity theft
- Forgery or counterfeiting
- Using a stolen credit card
Georgia's penalties for credit card fraud can result in a felony conviction, up to $5,000 in fines, and anywhere between one and three years in prison. Don't risk facing these penalties! Weintraub & Alper Legal. can help you avoid these harsh consequences by taking action and fighting aggressively in court.
Call on Our Proven Legal Team
Attorney Howard J. Weintraub is admitted to practice in Georgia, the U.S. Federal Court, and the U.S. Supreme Court. Since the firm's inception in 1985, he has been able to secure numerous positive outcomes, eventually garnering him a 10.0 rating of Superb on Avvo. That is exactly the type of trusted legal support that you need to assist you through your case.
We Have the Desire to Fight
Howard J. Weintraub and Benjamin B. Alper have a 10.0 Superb Rating by Avvo
Howard J. Weintraub Has Received Commendations From the FBI, IRS, & U.S. Attorney General
Our Firm Has Over 55 Years of Combined Legal Experience
Howard J. Weintraub is an Experienced Former Federal Prosecutor
|
finance
|
https://labelsfashion.com/en-us/pages/payments
| 2023-06-11T00:02:04 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224646652.16/warc/CC-MAIN-20230610233020-20230611023020-00056.warc.gz
| 0.885739 | 138 |
CC-MAIN-2023-23
|
webtext-fineweb__CC-MAIN-2023-23__0__9868583
|
en
|
You may use any of the following payment methods to pay for your order:
- credit cards: Visa, Mastercard, Maestro, American Express;
- digital wallets: Apple Pay, Google Pay;
- local payment methods like iDeal, Bancontact or Klarna Pay Later.
In addition to payments in EURO, we also accept payments in local currencies:
- US Dollar (USD US$)
- British Pound (GBP £)
- South Korean Won (KRW ₩)
- Japanese Yen (JPY JP¥)
All payments made on the website are encrypted and secured.
|
finance
|
https://www.kantor.pl/en/korzysci/oszczednosc-niskie-oplaty
| 2020-08-04T22:25:16 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-34/segments/1596439735885.72/warc/CC-MAIN-20200804220455-20200805010455-00233.warc.gz
| 0.91965 | 252 |
CC-MAIN-2020-34
|
webtext-fineweb__CC-MAIN-2020-34__0__79230016
|
en
|
Clients are provided with free services such as free bank transfers (depending on the bank used by the client) or exceptionally low commissions for transfers. With the kantor.pl online exchange platform, foreign currency exchange rates are more favourable than those offered by banks and traditional exchange offices.
Kantor.pl enables currency exchange at the current exchange rate whenever you decide to make your transaction. The company guarantees that there are no hidden fees and clients are not charged any fees or commissions. Kantor.pl offers a variety of services for free:
- Registration with kantor.pl – free
- Making transactions – free
- Foreign currency transfers from domestic banks (SHA option*) – free
- Foreign currency transfers from foreign banks (SHA option*) – free
- Electronic accounts – free
- Transfers between clients and banks in which kantor.pl holds bank accounts – free
* SHA option: costs divided between the sender and the recipient
Low-cost international transfers
The Kantor.pl currency trading platform offers clients very low cost remittances. Fees for international transfers amount to PLN 3 for transactions in EUR and PLN 5 for transactions in GBP, CHF and USD, regardless of the amount.
|
finance
|
http://www.krowdguru.com/landing/what-is-crowd-funding.html
| 2018-10-20T04:41:05 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-43/segments/1539583512504.64/warc/CC-MAIN-20181020034552-20181020060052-00348.warc.gz
| 0.949575 | 1,753 |
CC-MAIN-2018-43
|
webtext-fineweb__CC-MAIN-2018-43__0__8834076
|
en
|
Crowd funding generally refers to raising funds from a large number of individuals through an online platform. Here are some forms of crowd funding:
|Form||What it is||Financial returns||Offer of securities may be involved|
|Donation-based crowd funding||where individuals pool their resources to support a charitable cause||Nil||Nil|
|Reward-based crowd funding||where individuals give money to a company in return for a “reward”, usually a product produced by the company||Nil. Return is usually non-monetary||Nil|
|Lending-based crowd funding||where individuals lend money to a company and the company commits to repay the loan at pre-determined intervals and interest rate||Interest rate and return of amount lent.||Yes|
|Equity-based crowd funding||where individuals invest in shares sold by a company and receive a share of the profits in the form of a dividend or distribution.||Profit-sharing in the form of dividends||Yes|
Lending-based and equity-based crowd funding which involve offers of securities are generally referred to as securities-based crowd funding (SCF). They are subject to securities regulation.
What are some risks of participating in fundraising through crowd funding platforms?
As with any investment, do bear in mind whether your individual circumstances allow you to take on the risks involved. Here are some of the risks you should be aware of when considering SCF:
|Risk||What it means|
|Loss of capital||SCF tends to attract start-ups and small medium sized enterprises (SMEs) which may have yet to establish a track record. Globally, the failure rate for start-ups is high so there is a high risk of losing some or even all of your capital, especially if you are unfamiliar with early stage investing.|
|Lack of liquidity||When you want to exit the investment, there is a risk that you may not be able to sell the securities or have to sell them at a significant discount|
|Fraud risk||As fundraising is carried out through online platforms, you may not have direct contact with whoever is making the offers of securities. There is a risk that the projects or proposals may not be legitimate and that expected rewards or returns may not materialise.|
|Platform closure or failure||If the operator of the SCF platform that you are relying on to ensure that your funds are passed on to the project owner fails, you may lose all your money. Do also check if your money will be segregated from the operator’s.|
|Risks of investing in foreign issuers||If the securities are being offered by an issuer in another country, your rights will be subject to the laws of that country. You may also be subject to additional tax liabilities, transaction costs and capital controls.|
|Insufficient information on the issuers to make fully informed investment decisions||You may not receive enough information to make a fully informed investment decision. There is no requirement for issuers and SCF platform operators to provide information that would be reasonably required to make informed assessments of the securities offered. Also, the financial statements of the start-ups and SMEs may not have been audited. An unaudited financial statement may not reflect the true financial health of a company. For foreign issuers, the financial statements of the companies may not be made accessible to you if there are no requirements in their home country to do so.|
What should I look out for if I wish to contribute funds to a project on a crowd funding platform despite the risks involved?
You should exercise care and diligence in reading the applicable terms and conditions on the SCF platform before signing up or agreeing to contribute funds to any project or business proposal.
Is crowd funding regulated by the Monetary Authority of Singapore ("MAS") in Singapore?
SCF offers an alternative source of financing for start-ups and SMEs. The regulatory framework seeks to strike the right balance between improving access to financing for such entities and protecting your interests as an investor. All SCF platform operators who want to operate in Singapore must be licensed by MAS. MAS will admit only platform operators that are assessed to be fit and proper. Operators must ensure proper segregation of investors’ monies and keep proper records of transactions. SCF platform operators are expected to deal fairly with investors in the conduct of their business. If a licensed operator is found to have breached MAS’ rules, supervisory measures will be taken, ranging from enhanced audits to revocation of license. Fund-raising companies listed on SCF platforms may make small offers (i.e. raising less than $5 million within 12 months) without issuing a prospectus (an investment offering document). But they must disclose the key risks (as prescribed by MAS at a minimum)1 of such investments to you. The key risks were largely described earlier. Before investing, you will be required to acknowledge that you have read and understood these risks. Do take time to consider the investment carefully as ultimately investors bear responsibility for their investment decisions. Crowd funding arrangements which do not involve the offer of securities (for example, where contributions are in the form of donations or pre-payment for merchandise) are not subject to MAS’ regulations.More on lending-based crowd funding
Any invitation to lend money to an entity (e.g. a company) is deemed to be an offer of debentures, which are a type of security. The entity offering debentures must issue a prospectus unless the offer falls within an exemption, for example, if the offer is a small offer (personal offers of securities up to $5 million within any 12-month period) or a private placement (an offer of securities to no more than 50 persons within a 12-month period). Such exemptions are subject to certain pre-conditions.1Key risks to be disclosed are set out in Appendix 2 of MAS’Shares and Debentures Guidelines 4 – Guidelines on Personal Offers
made pursuant to the exemption for Small Offers. 2More information on lending-based crowd funding may be found in MAS issued FAQs on lending-based crowd funding.
Are overseas crowd funding platforms that facilitate any offer of securities to Singapore investors caught under the applicable legislation?
This depends on the business model of the overseas crowd funding platforms. For example, offers made through an overseas crowd funding platform that solicits funds from investors in Singapore will be subject to prospectus and other applicable requirements. However, given the borderless nature of the internet and the fact that many such crowd funding platforms do not have any presence in Singapore, there are practical limits to the enforcement of local requirements. Thus, it is all the more important that you exercise vigilance before you decide to participate in such offers. Before you contribute funds through such overseas crowd funding platforms, you should ascertain if the platform is authorised or required to be authorised to facilitate such offerings, including in Singapore. You should only deal with persons who are regulated. MAS aims to safeguard your interests by ensuring that only competent and professional persons provide financial services to investors in Singapore. If you deal with an unregulated entity, you should be aware that the protection afforded under laws administered by MAS will not apply.
What can I do if I encounter problems arising from my participation in a crowd funding arrangement?
If you suspect that a person has breached your rights as an investor, you can report the matter to MAS by sending your feedback to [email protected] should always read the investment offering documents carefully as well as any accompanying documentation. Never buy a product unless you fully understand the risks involved and decide that the product is suitable for your financial needs.
How do I find out whether a company is regulated by MAS?
You can refer to the Financial Institutions Directory found on MAS' website. The Financial Institutions Directory provides a listing of entities licensed to conduct regulated activities under the various Acts administered by MAS. If a consumer chooses to participate in schemes that are not regulated by MAS, he/she will not have the protection afforded under the regulatory framework administered by MAS, particularly if the operators are based overseas. If he has a complaint against an unregulated entity, he will also not be able to approach the Financial Industry Disputes Resolution Centre for assistance. And if an operator is based overseas, it could be even harder for the consumer to pursue the matter. Do also check the Investor Alert List which lists unregulated persons who, based on information known to MAS at the time of publication, may have been wrongly perceived as being licensed or authorised by MAS.
|
finance
|
https://newmarket.ca/LivingHere/Pages/Utilities/Water%20and%20Wastewater/Water-rebate-program--.aspx
| 2024-04-22T23:04:28 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818374.84/warc/CC-MAIN-20240422211055-20240423001055-00537.warc.gz
| 0.898875 | 184 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__35173862
|
en
|
The Town of Newmarket offers a Water and Wastewater Rate Rebate program that is available to any property owner paying a Newmarket resident water bill for their property and qualifying for any of the following:
- The Guaranteed Income Supplement under the Old Age Security Act
- Support under the Ontario Disability Support Program
- Ontario Works Assistance
- A similar federal or provincial income support program
The Water and Wastewater Rate Rebate for qualified applicants is $37.87 per month ($454.44 per year). To apply for this rebate, you must provide proof annually to the Town of Newmarket to demonstrate your eligibility for one of the above programs and complete a Residential Rebate Application form. Our Finance department staff will contact NT Power to adjust your utility bill accordingly.
For more information, please contact the Customer Service department at 905-895-5193 or by email at [email protected]
|
finance
|
https://annajuliacooperepiscopalschool.org/waystohelp/nap-tax-credit-program/
| 2019-05-21T20:02:10 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-22/segments/1558232256546.11/warc/CC-MAIN-20190521182616-20190521204616-00204.warc.gz
| 0.939837 | 149 |
CC-MAIN-2019-22
|
webtext-fineweb__CC-MAIN-2019-22__0__104944438
|
en
|
Individuals and businesses that make a qualified donation of cash or marketable securities will receive tax credits in Virginia equal to 65% of the donation…AND may also claim a charitable contribution deduction on their federal and state income tax returns. AJC receives a limited amount of these tax credits, so donors who give $500 or more are eligible for these benefits on a first come basis. Please contact Laura McGowan, Director of Development, for more information and to determine availability: [email protected], 804-477-5163.
Disclaimer: Anna Julia Cooper Episcopal School is not qualified to offer personal tax advice. Please consult a tax professional if you have questions regarding tax implications of making a gift such as this.
|
finance
|
https://blog.getlevee.com/2015/09/29/5-simple-concepts-for-airbnb-hosts-to-avoid-irs-tax-audits/
| 2020-01-18T08:51:18 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-05/segments/1579250592394.9/warc/CC-MAIN-20200118081234-20200118105234-00194.warc.gz
| 0.955892 | 1,371 |
CC-MAIN-2020-05
|
webtext-fineweb__CC-MAIN-2020-05__0__32350641
|
en
|
Airbnb hosting is new and exciting; unfortunately, the tax law is very grey. But if you err on the conservative side of the grey areas, then you might just save yourself a lot of time, money, and headache. Trust me, getting audited is no fun. So here are 5 simple concepts you need to know to make a smarter decision:
1. You’re paid like a business
The first thing that triggers an automatic audit is when the system receives a 1099-K from Airbnb on your behalf and then determines that you did not properly report your Airbnb income.
Passive income from rental properties generally receives a check monthly from the renter. But Airbnb is classified by the IRS as a third party payment provider like PayPal. As such at then end of the year, Airbnb issues you a 1099-K. A copy of this 1099-K gets sent out to the IRS and their automatic system reconciles your 1099-K against your filed return (usually against schedule C). If there is a discrepancy, the IRS automatically sends you a notice.
We had an Airbnb client who went through this issue. He was able to explain his way out with some guidance, however, many take a wrong path and end up paying more in taxes and tax prep fees for amended returns. To be safe, file Schedule C unless you have enough evidence to support your claim that your Airbnb gig is a passive activity and you didn’t provide substantial services.
2. You’re closely similar to other businesses
Most Airbnb’ers will fall under the Schedule C category just like most businesses do. You may have a tax preparer who tells you otherwise and it’s probably because they don’t know much about Airbnb. When they hear rental properties, they quickly assume you should file on Schedule E. But Airbnb’ing your space is more involved than just renting and collecting passive income. Airbnb is closely related to bed and breakfast operations (air bed&breakfast, duh!) and hotel chains which are both taxed as businesses and NOT passive activities.
Does your listing offer amenities as part of guests’ stay?
If the answer is yes, then it may appear that you’re offering services for the convenience of your guest, which by the IRS definition, is providing substantial services. Many tax court cases zeroed in on what’s considered ‘substantial’ so make sure you take a stance that you can back up.
When you book a hotel, it is reasonable for guests to expect that their nightly rate includes a clean room, bed with clean linens, cable TV, soap, shampoo, clean towels, coffee pot, microwave etc. These are provided for your convenience. Similarly, many Airbnb listings includes similar services and guests takes into considerations these amenities when booking so keep in mind that an IRS agent could make the same comparison.
3. You act like a business
Most Airbnb’ers rent their place out less than 30 days. The IRS says that if you’re renting your place less than 7 days on average or less than 30 days on average AND provide substantial personal services, then your activity is no longer “rental” but that of a business. So you’re Airbnb income should be reported on Schedule C and not on Schedule E.
Airbnb’ers can generate losses in the early years especially if they invest in business assets to furnish or redecorate their space. But the IRS questions losses because, in their minds, no one would operate a business to lose money unless it’s a hobby or a tax loophole. So the IRS created limitations on what losses can be deductible against ordinary income.
Back in the old days, people who made a lot of money on their W-2 income felt the pinch of getting taxed at the highest tax bracket. So one of the tax loopholes available was to buy real estate properties and allow the equity to build up while operating at huge losses. The huge passive losses could offset ordinary income so high earners paid way less in taxes. The IRS caught on, shut down the party, and ended the loophole.
Fast forward to today, you can only offset your active losses against ordinary income. Passive losses can only be offset against passive gain. So if you’re operating in a loss for multiple years on Schedule C, you have a higher chance of an audit.
4. The IRS and local governments want to classify you as a business
If you act like a business, get paid like a business, and provide services similar to other businesses that pays Self-employment taxes, then you must be a business! Uncle Sam wants his fair share and he’s going to get it one way or another. Either the hosts or Airbnb is operating a business so someone has to pay up for the Self-employment tax.
Airbnb is a third party platform like EBay and Craigslist that processes payments between the hosts and guests. Airbnb is different than Uber and many sharing economy companies that hire independent contractors, therefore, hosts are the most likely target of the IRS. It’s really hard to claim that you’re not a business when you (or a management company) handles the nightly bookings and provide personal services to your guests like hotel chains.
Your local government also wants to classify you as a business. Hotel and motel chains collect transient occupancy tax (or hotel tax) from their guests and remit the payments to the local government. The tax is used to fix the roads, beautify the city, and promote tourism. Regardless if transients stay at Airbnb or hotels, the city still needs their hotel tax from transients. So either Airbnb or the hosts (a.k.a., business owners) are required to collect from the transients and remit the payments to the city.
5. Don’t writeoff your business and personal space
Many Airbnb’ers rent out their extra room or entire spot when they’re on vacation. Problem is, many of these spaces are not exclusively used for business; some uses the spare room for their personal stuff. The fastest way to get audited is if you deduct both the personal and business portion of your home expenses. There are many court cases related to shared spaces in which the tax courts ruled that common spaces are considered personal space. So make sure your calculation is flawless, otherwise, years of back taxes, interest and penalty will haunt you.
Our general professional guidance is to file your returns on Schedule C unless you can substantiate that you should be on Schedule E. Contact one of our Levee tax professionals who will properly calculate the business percentage of your home expenses that is tax deductible.
|
finance
|
https://www.peopleschoiceinspections.com/2019/02/01/paying-a-little-extra-for-an-internachi-inspector-pays-off/
| 2024-04-14T10:08:41 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816879.25/warc/CC-MAIN-20240414095752-20240414125752-00056.warc.gz
| 0.95147 | 219 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__91962341
|
en
|
Buying a home? It is probably the most expensive purchase you will ever make. This is no time to shop for a cheap inspection. The cost of a home inspection is very small relative to the value of the home being inspected. The additional cost of hiring an InterNACHI-certified inspector is almost insignificant by comparison.
You have recently been crunching the numbers — negotiating offers, adding up closing costs, shopping for mortgages — and trying to get the best deals. Don’t stop now. Don’t let your real estate agent, a “patty-cake” inspector, or anyone else talk you into skimping on the home inspection. InterNACHI-certified inspectors perform the best inspections by far.
InterNACHI-certified inspectors earn their fees many times over. As the most qualified inspectors, they do more, they deserve more, and — yes — they generally charge a little more. Do yourself a favor and pay a little more for the quality inspection you deserve.
*Written by InterNACHI
|
finance
|
https://addprofit.net/navigating-the-world-of-loans-a-comprehensive-guide/
| 2023-11-30T16:24:17 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100229.44/warc/CC-MAIN-20231130161920-20231130191920-00281.warc.gz
| 0.941216 | 589 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__310324107
|
en
|
Loans are a fundamental financial tool that many individuals and businesses rely on to achieve their goals and address various financial needs. Whether it’s purchasing a home, funding education, starting a business, or dealing with unexpected expenses, loans provide a means to access capital. In this article, we will delve into the world of loans, exploring the different types available, the factors to consider when applying for one, and the responsible management of borrowed funds.
Types of Loans
Loans come in various forms, each tailored to specific purposes. We will discuss the most common types, including personal loans, home mortgages, auto loans, student loans, and business loans. Understanding the differences between these loans is crucial in making informed borrowing decisions.
The Borrowing Process
The process of obtaining a loan involves several steps, from application to approval and disbursement. We will walk you through the typical loan application process, highlighting the importance of creditworthiness, income verification, and documentation.
Interest Rates and Repayment Terms
Interest rates and repayment terms are key aspects of any loan. We will explore how these factors can significantly impact the cost of borrowing and how to choose the most suitable loan with favorable terms. Additionally, we will discuss fixed and variable interest rates, as well as the importance of a well-structured repayment plan.
Responsible Borrowing and Managing Debt
Managing debt responsibly is essential to financial well-being. We will provide guidance on budgeting, debt consolidation, and strategies for avoiding excessive debt. Understanding your financial capacity and making timely payments are crucial to maintaining a healthy credit profile.
Loan Pitfalls and How to Avoid Them
While loans can be valuable, they also come with risks and potential pitfalls. We will highlight common mistakes borrowers make, such as taking on too much debt or falling for predatory lending practices. Learning to identify red flags and exercising caution when borrowing is essential to financial security.
Loans are powerful financial tools that can help individuals and businesses achieve their objectives. However, they require careful consideration and responsible management. By understanding the types of loans available, navigating the borrowing process effectively, and making informed decisions regarding interest rates and repayment terms, you can use loans to your advantage and avoid falling into financial traps.
If you are considering taking out a loan, take the time to educate yourself about the various options and their implications. Create a comprehensive financial plan that includes debt management strategies and responsible borrowing practices. Prioritize building and maintaining a strong credit history to access loans with favorable terms. Lastly, seek financial advice from professionals when needed to make well-informed decisions about your borrowing needs. Responsible borrowing ensures a brighter financial future.
- Navigating Startup Challenges: Success Strategies - 13th November 2023
- Understanding and Navigating the World of Managing Debt - 1st November 2023
- Finance: Navigating the World of Money - 25th October 2023
|
finance
|
https://hockeyanswered.com/what-is-the-yearly-revenue-of-the-nhl/
| 2021-10-23T05:21:15 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585561.4/warc/CC-MAIN-20211023033857-20211023063857-00333.warc.gz
| 0.968602 | 1,511 |
CC-MAIN-2021-43
|
webtext-fineweb__CC-MAIN-2021-43__0__149768084
|
en
|
Everyone knows that sports is big business. It hasn’t always been this way, but in the past three decades professional sports has found a way to significantly increase the money they take in.
So how does the NHL fit into this landscape? Are they racking the money in like other sport leagues?Embed from Getty Images
What is the yearly revenue for the NHL? The yearly revenue for the NHL is about $5 billion dollars, which is predominantly made up of television revenue, gate receipts, concessions, and royalties from licensing. The collective bargaining agreement between the owners and players split these revenues 50/50.
NHL Yearly Revenue Chart
As you can see over the last ten years the NHL has significantly increased its revenue. The one dip in 2012/13 was due to an NHL lockout that limited the year to a 48 game season.
I expect the league to continue to grow their revenues significantly in the upcoming years. Let’s take a look at what makes up these revenues and where the greatest room for growth is.
What makes up the NHL yearly revenue?
Ticket Sales – the NHL still relies more on ticket sales as a proportion of its revenue than the other major sports. In fact, the largest portion of the NHL revenue comes from ticket sales. In Toronto the average ticket price is $386 Canadian ($300USD). In Calgary, you can still get the cheapest seats for about $30. Luxury boxes – wow, those rack in the money. I have sat in them a couple of times – I am glad I didn’t have to pay the bill 🙂
Television – the NHL still makes a sizeable portion of of it’s tv contract. The NHL national contract for Canada is actually worth more than the US one , even though Canada has 1/10 of the population. In Canada Rogers paid $600, whereas the U.S. national contract is $200 million.
Merchandise and Concession Sales – this involves all the money that they get from t-shirt, jersey, parking, popcorn, and those $10-12 beersEmbed from Getty Images
Royalties from licensing – The NHL gets a lot of money from the licensing of it’s logos, images of players, and association with products. If you have ever bought an NHL product it is likely that the NHL did not produce it, but, instead, the NHL sells the permission for a company to make a product with its name.
Have you ever bought a EA sports NHL video game? I have. (Actually, a lot of them through the ages)
Have you ever bought an NHL lego character? I have (I’ve got Sean Monohan and Steven Stamkos in lego form).
Have you ever bought an NHL table hockey game? I have (actually, a few of them over my lifetime).
Wow- I have bought a lot of NHL licensed products!!!
Even if I’m not buying a ticket to the game I am sending the NHL money through the purchase of these products.
Growth of revenues going to come from?
Expansion fees – the NHL has recently increased their revenue through the expansion of the Vegas Golden Knights, which accounted for $500 million to their coffers. The owners swung a good deal as they did not need to count it is Hockey Related Revenue – this means they didn’t need to share it with the players.
Anyway, Vegas has increased the revenue of year-to-year with merchandise sales, local tv, ticket sales (I hear it is amazing to attend a game their, and the players already love playing their).
The NHL is going to do this again with Seattle, who enter the league in 2021-22. The expansion fee was $650 million and Seattle has already sold all of its season tickets and has a waiting list. There is more money coming to league operations.
Gambling – Any U.S. State can now offer legalized sports betting. All have taken different approaches and some are still considering their offers, however the NHL is definitely partnering in the roll out. This could be a potential cash cow as the NHL looks to get a slice of the revenue of people betting on it’s games.
TV Revenue Growth – the biggest jump in NHL revenue will be the renegotiation of the U.S. national television deal. The $200 million/year they got from NBC is a rounding error when compared to the NFL, MLB and the NBA. I am not suggesting that the NHL will get anywhere near those leagues deals, but they will get a substantial raise.
The league has continued to increase viewership with Game 7 of the Boston – Blues series at 9 million was the highest ever for a game. People who tend to watch and go to NHL games have a higher than average income, and sports tv contracts continue to rise. All of this points to good things for the NHL when their U.S. tv contract with NBC sports comes due.
Watch for ESPN and Fox get back in the fight, but I think a combination of NBCSports and ESPN will take home the rights.
Increased game day revenue – this means an increase in ticket costs. I always wonder how much they can keep on raising prices, but they do. NHL teams are always looking at ways to increase sales in-house whether that is from more luxury boxes, restaurants, or special game experiences such as behind the scenes tours.
For example, I once got to go on the ice after a preseason game and get a picture with a few Flames players. This cost extra to the price of the ticket!
Main Expenses of Each Team
The NHLs largest expense (and this should come as no surprise) is the
An average NHL team is spending between $75 to $80 million a year on player’s salaries.
The rest of the money will go to the front-office staff, travel, local marketing, and building operations.
No one is quite sure how much money a team makes (or loses), but the setup with the players through the collective bargaining agreement is to split revenues 50/50.
This means that both players and owners share in the growth of the game.
The one thing I would wonder is what is counted as revenue. I am fairly certain that the owners have some revenue sources that are not counted towards the 50/50 split (like expansion fees).
How does this compare with other leagues?
The NHL yearly revenues of $5 billion dollars is a lot of money, there is no question about that.
However, this number does pale in comparison to the other major sports leagues in the U.S.
Here are the numbers from other sports:
The main difference between the leagues is revenue generated through television deals. The size of the television deals the other three leagues have negotiated dwarf the NHL deal in the United States.
The NHL is partially saved because it is able to negotiate a large television deal with the hockey crazed Canadian television market.
The NHL makes about $5 billion USD in revenue each year. They have significantly grown their revenues over the past 20 years.
Look to see the NHL to continue to increase the amount of revenue they accumulate as they look to renegotiate a US television deal within the next two years. This along with the continued growth of the sport in the U.S. look to be the biggest upsides for the NHL.
|
finance
|
https://www.mgrealtyteam.ca/
| 2020-11-28T13:14:42 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-50/segments/1606141195656.78/warc/CC-MAIN-20201128125557-20201128155557-00004.warc.gz
| 0.942218 | 191 |
CC-MAIN-2020-50
|
webtext-fineweb__CC-MAIN-2020-50__0__189305320
|
en
|
If you’re considering buying or selling a home in Waterloo Region, then you’ve come to the right place! Buying or selling a home can be one of the largest financial decisions you'll make, and choosing the right REALTOR® is a very important decision. When you work with the Marcia Grove Realty Team, we will provide an unmatched level of communication, service, and results!
Whether you're a first time home buyer or an experienced investor, we're committed to guiding you through the buying process. There are many important details to consider when purchasing a home. Avoid time-consuming and costly mistakes and put our experience to use.
It's important to work with an experienced REALTOR® when selling your most valuable asset. Selling a home takes preparation, organization and professional marketing. By choosing us to sell your home, we'll guide you through every stage, from analyzing your needs to closing the sale.
|
finance
|
https://www.alohra.com.au/pages/payment-information
| 2024-03-01T03:37:54 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474948.91/warc/CC-MAIN-20240301030138-20240301060138-00400.warc.gz
| 0.891936 | 383 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__17652649
|
en
|
How can I pay online?
We accept payments within Australia using:
- Zip Pay
- Alohra Gift Cards
How do I pay online using PayPal?
PayPal allows you to make secure purchases without revealing your credit card number or financial information. Not only does PayPal help keep this information private, it guarantees 100% protection against unauthorised payments sent from your account.
Visit www.paypal.com.au for more information.
How do I pay online using AfterPay?
AfterPay is a service that allows flexible payment plans for online purchases. Shop the gear you want now and pay it off in four equal payments over 8 weeks.
To use AfterPay you must:
- have an Australian residential address
- pay with a credit or debit card
- be over 18 years old
- transaction must be between $1.00 and $1,500.
Using AfterPay for the first time:
- add your gear to the shopping cart
- choose AfterPay as your payment method at checkout
- you will be prompted to create an AfterPay account and confirm and pay the first of four instalments upfront
- if you are a first-time customer, you will not be able to make another AfterPay purchase until your final payment on your initial purchase has completed
Please note: when paying with AfterPay you cannot split payment types eg: you cannot pay half with gift card and other half with AfterPay.
For more information please see AfterPay.com
How do I pay online using Gift Cards?
We accept Alohra Gift Cards only. Simply choose gift card as your payment method during checkout. You will need to enter your full gift card number.
You can use a gift card to pay for a portion of, or your entire online order purchase amount.
We can only process one gift card per online transaction.
|
finance
|
https://mrafblog.com/tax-day-2024-the-soonest-and-newest-you-can-file-your-taxes/
| 2024-04-24T18:17:58 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296819847.83/warc/CC-MAIN-20240424174709-20240424204709-00687.warc.gz
| 0.947435 | 616 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__88272994
|
en
|
The 2024 tax season begins in roughly a month, which implies it is time to begin getting any tax paperwork you have already got collectively. It is also a superb time to start out saving cash for a possible tax invoice, and even to pay your estimated taxes now. We’ll inform you what the deadline is for submitting and paying your taxes.
Additionally, on the subject of state taxes, a majority of states adhere to the federal authorities’s timetable, however some have their very own schedule (see extra beneath).
Listed here are the dates it is advisable know to get you thru this tax season. For extra on taxes, this is the way to arrange an account on the IRS web site and the way to file your taxes in your telephone.
How quickly can I file my 2023 tax return?
The IRS hasn’t introduced an official submitting date for many who prefer to get an early begin on submitting their tax returns. Nevertheless, the window often opens in late January. We’ll replace this story when the IRS makes an announcement.
Employers are required to ship workers their W-2 and 1099 revenue tax types by the tip of January.
When is the deadline for submitting a 2023 tax return with the IRS?
The official deadline to file federal tax returns is Monday, April 15, 2025.
What is the deadline to file for a tax extension?
April 15 can also be the deadline to file a tax extension with the IRS. Getting an extension does not change the cost deadline. It simply provides you till October to finish the related paperwork.
You continue to must submit any quantity you owe on time to keep away from late penalties.
Some states have later tax return deadlines
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming don’t accumulate revenue taxes.
Of the 41 states that do, most adhere to the April 15 federal submitting deadline. There are some exceptions, together with Delaware, Iowa, Louisiana and Virginia.
Thus far, residents in different states with federal submitting extensions should nonetheless file their state returns by April 15, 2024. Most often, taxpayers can request an automated submitting extension however they nonetheless must make any excellent funds by the unique deadline.
Test together with your state division of income for essentially the most up-to-date data.
When can I count on my refund?
The IRS says taxpayers who file electronically and are due a refund can count on it inside 21 days — in the event that they select direct deposit and there aren’t any points with their return.
By legislation, the IRS should wait till mid-February to subject refunds to taxpayers who claimed the Earned Earnings Tax Credit score or Extra Little one Tax Credit score. Based on the company, these funds must be obtained by Feb. 27, 2024, for taxpayers who use direct deposit and don’t have any different points.
|
finance
|
https://www.businesstraders.co.za/template/Property.vm/propertyid/173
| 2022-06-30T07:19:34 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103669266.42/warc/CC-MAIN-20220630062154-20220630092154-00556.warc.gz
| 0.973216 | 483 |
CC-MAIN-2022-27
|
webtext-fineweb__CC-MAIN-2022-27__0__151917891
|
en
|
This type of business rarely comes on the market. Rare opportunity to purchase a highly successful, well-managed Agro Growing / Processing Business. The business operates in a niche sector, that is rapidly growing. The business is over 22 years of age and has established itself as a strong player in this sector.
The business has built up a strong client base of mainly blue-chip clients. Approximately 70% of its sales go to the retail market and 30% to the wholesale market.
The industry has high barriers to access and as such the business has limited direct completion within a large area.
The demand for the product they produce is constantly growing and bodes possibly for the business to continue growing at over 10% per year for at least the next 10 years. Approximately 4 years ago the business went through large capital expenditure and all the facilities were upgraded to the most modern technology, this upgrade also means that no further capital expenditure will be required for the next 5 years to accommodate the expected continued growth of the business.
The business is well-staffed and most staff members have been with the business for a long period of time. There is a full management team in place, which gives the owners flexibility in managing their business. They do make themselves available at the business on a daily basis and this is merely at oversight level as they are not involved directly in the day-to-day operations.
The business has shown to be consistently profitable over the past several years. From the financial summary, one can see that the total revenue in the 2021 financial year did drop to less than the 2020 financial year. This can be directly linked to the hard lockdown experienced in the early period of the 2021 financial year. From June 2020 the business has recovered back to normal trading figures.
The business has clear financial data and strong controls, allowing perspective business to easily undertake full due diligence.
The business, movable and immovable assets are all owned in a close corporation. The Sellers are looking to sell their member's interest in the close corporation.
This exceptional business comes highly recommended and we strongly suggest that buyers take a look.
|Staff:||78 staff members.|
|Asset Value:||R 47,000,000.00|
|Cash Flow:||R 12,685,752.00|
|Years Established:||23 years.|
|
finance
|
http://sdvcentralschool.in/index.php/fee-structure/
| 2019-07-18T09:53:54 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-30/segments/1563195525587.2/warc/CC-MAIN-20190718083839-20190718105839-00231.warc.gz
| 0.765223 | 225 |
CC-MAIN-2019-30
|
webtext-fineweb__CC-MAIN-2019-30__0__126555194
|
en
|
- As per the CBSE guide lines, our school office will entertain only cashless transactions for any matters.
- Our school will collect fees (including bus fees) only through online transactions.
- Visit our school website, www.sdvcentralschool.in for online transaction.
- Tuition fees will be accepted without fine up to 20th of each month.
- A fine of RS. 50/- will be levied for fees paid after 20th up to the end of that month.
- A 5% discount is offered to those who pay the tuition fee for the whole year on or before the month of June.
FEE SCHEDULE FOR THE ACADEMIC YEAR 2018-19
|UKG - VIII||1600|
|IX - X||1800|
|XI - SCIENCE & COMPUTER||2300|
|XI- COMMERCE & HUMANITIES||2100|
|XII - SCIENCE & COMPUTER||2300|
|XII- COMMERCE & HUMANITIES||2100|
|
finance
|
http://www.guineaexchange.org/boulangerie-de-dembayara/
| 2018-01-20T03:20:19 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-05/segments/1516084888878.44/warc/CC-MAIN-20180120023744-20180120043744-00236.warc.gz
| 0.963539 | 271 |
CC-MAIN-2018-05
|
webtext-fineweb__CC-MAIN-2018-05__0__43865250
|
en
|
Bakery of Dembayara
This community bakery is a sustainable economic program designed and implemented by Guineans to serve the needs of their communities in the region of Dembayara, Guinea West Africa.
In December of 2015, Guinea Exchange raised over $10,000 to cover the cost of fabricating the oven, constructing the building, creating a home for the baker and providing initial setup supplies.
This bakery has already begun to sustain itself and its community, providing food for dozens of neighboring villages. It is assisting with food scarcity in some of the hardest to reach communities in the country especially during the rainy season.
The bakery of Dembayara is not only creating jobs, it also is paying back a micro loan in monthly increments and donating profits to the Dembayara Clinic.
Loan proceeds will be held on reserve by Guinea Exchange to fund future micro-finance projects in the region of Dembayara.
In this way, your donation dollars continue to support this community as the bakery succeeds.
The Guinean people are resourceful, creative and hard working. They just need assistance to put their ingenuity into motion.
The Bakery of Dembayara is a perfect example of that ingenuity.
Updates for January 2016 — Land has been cleared and the brick oven for the bakery has been completed and installed.
|
finance
|
https://aclw.hkbu.edu.hk/eng/faculty/admin-details.jsp?id=ggzhouHKB&cv=00069&cid=168&cvurl=
| 2022-12-09T05:23:00 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446711390.55/warc/CC-MAIN-20221209043931-20221209073931-00798.warc.gz
| 0.656732 | 791 |
CC-MAIN-2022-49
|
webtext-fineweb__CC-MAIN-2022-49__0__98485871
|
en
|
Department of Accountancy and Law
Dr. Gaoguang Zhou 周高光 博士
Associate Professor, Department of Accountancy and Law
Associate Director, MBA
Auditing, Corporate Finance/Governance, CSR
- Hu, G., Liu, Y., Wang, J., Zhou, G., & Zhu, X. (2022). Insider ownership and stock price crash risk around the globe. Pacific Basin Finance Journal, 72(2022), 101714.
- Zhou, G. (2022). Good for managers, bad for shareholders? The effects of lone-insider boards on excessive corporate social responsibility. Journal of Business Research, 140(2022), 370-383.
- Chen, R., Tong, Y., Zhang, F., & Zhou, G. (2021). Do female directors enhance R&D performance?. International Review of Economics and Finance, 74, 253-275.
- Bu, L., Chan, K., Choi, A., & Zhou, G. (2021). Talented inside directors and corporate social responsibility: A tale of two roles. Journal of Corporate Finance, 70, 102044.
- Li, X., Tsang, A., Zeng, S., & Zhou, G. (2021). CSR Reporting and Firm Value: International Evidence on Management Discussion and Analysis. China Accounting and Finance Review, 23(2), 102-145.
- Shi, H., Wen, W., Zhou, G., & Zhu, X. (2021). Do Individual Auditors Have Their Own Styles? Evidence from Clients' Financial Statement Comparability in China. Accounting Horizons.
- Zhao, X., Zhou, G., & Rezaee, Z. (in press). Tournament Incentives and Corporate Social Responsibility Performance. Journal of Accounting, Auditing & Finance.
- Kim, Y., Su, N., Zhou, G., & Zhu, X. K. (2020). PCAOB International Inspections and Merger and Acquisition Outcomes. Journal of Accounting & Economics, 70(1), 101318.
- Ge, W., Kang, T., Song, B., & Zhou, G. (2020). Audit Profession Development and Bank Loan Contracting. Auditing: A Journal of Practice & Theory, 40(2), 85-105.
- Chen, Y., Lin, B., Lu, L., & Zhou, G. (2020). Can Internal Audit Function Improve Firm Operational Efficiency? Evidence from China. Managerial Auditing Journal, 35(8), 1167-1188.
- Cai, M., Chen, Theodore T. Y., & Zhou, G. (2020). Progress of and Obstacles to IFRS Implementation in an Emerging Economy: Auditors' Perspective. China Accounting and Finance Review, 22(1), 1-30.
- Tang, S., Wang, W., & Zhou, G. (2020). Remanufacturing in a competitive market: A closed-loop supply chain in a Stackelberg game framework. Expert Systems with Applications, 161, 113655.
- Jung, B., Kang, T., Lee, W., & Zhou, G. (2020). Pro-Labor Institutions and Corporate Employment Efficiency. Journal of Accounting, Auditing & Finance.
- Chen, W., Zhou, G., & Zhu, X. (2019). CEO tenure and corporate social responsibility performance. Journal of Business Research, 95, 292-302.
- Chen, Theodore T. Y., Zhang, F. F., & Zhou, G. S. (2017). Secrecy Culture and Audit Opinion: Some International Evidence. Journal of International Financial Management and Accounting, 28(3), 274-307.
|
finance
|
https://dailymontananews.com/2022/09/26/agricultural-loans-just-how-they-can-help-your-farm-grow
| 2023-06-01T03:12:40 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224647525.11/warc/CC-MAIN-20230601010402-20230601040402-00176.warc.gz
| 0.974179 | 1,431 |
CC-MAIN-2023-23
|
webtext-fineweb__CC-MAIN-2023-23__0__89220454
|
en
|
Agricultural Loans: Just How They Can Help Your Farm Grow
No matter how little your farm may be, Agricultural Loans can help it expand. Agricultural Loans are a specialized sort of loan that is made to aid farmers and also ranchers purchase land, animals, equipment, and various other products needed to run a farm. In Colorado, Agricultural Loans are offered through the Farm Service Agency (FSA), which is a division of the United States Department of Agriculture (USDA). If you are a farmer in need of funding for your agricultural operation, Agricultural Loans may be the ideal service for you!
What is a Farm Loan
If you're in the agricultural industry, you know that farming is a pricey company. Beginning as well as operating a farm might be challenging, as well as you'll likely need funding-- specifically if you're brand-new to the area. That's where an agricultural loan comes in convenient.
You can use a farming loan for various purposes to assist enhance or expand your farm or cattle ranch organization. If you make use of the loan intelligently, it will lead to success.
Prior to you obtain an agricultural loan, you ought to think of how to spend the cash. What tools will assist you achieve your goals as well as keep your company going? Just how much do you need to borrow? You'll need to have these strategies in place before obtaining the loan to ensure that you can utilize it appropriately. Farm ownership loans, as an example, can be made use of to acquire a farm or ranch, construct buildings or make improvements to building. Operating loans are suggested for short-term expenditures like seed, fertilizer, gas as well as animals feed.
Right here are eight ideas of just how to use your farm loan:
Buying Essential Farm Equipment
One of the most crucial points that a farm loan can be made use of for is purchasing vital equipment. This may include a tractor, irrigation system, or other equipment. If you're just starting out, you may not have the resources to buy these products outright, so a loan can be incredibly practical. You'll need to ensure that you have a prepare for paying off the loan, yet if you use the equipment wisely, it will be a rewarding investment.
Covering Operating Costs
Another essential usage for a agricultural loan is to cover your operating costs. This could include things like seed, fertilizer, and other materials that you need to maintain your company running. It can be difficult to anticipate just how much you'll require to invest in a given year, so a loan can provide you the flexibility to cover these costs when they occur.
Investing in Supplies
What do you need in order to increase crops? Seeds and dust! It 'd be excellent if starting a farm were as simple as growing seeds in the ground. Nevertheless, you'll likewise require equipment (as we previously went over), plant food, collecting instruments, as well as cash money for these and all of the other costs associated with taking off with a cash plant.
By permitting you to get vital products, such as a truckload of heritage tomatoes or a herd of Heifer livestock, your agricultural loan can set you up for success by getting you off on the best foot.
Bear in mind that you will not have the ability to repay your loan till harvest time, so maintain the quantity of your loan in mind - you might need to borrow enough to cover your operating costs till you start selling.
Treatment Land Costs
Farming loans can be made use of to get or lease home. It may be tough to browse the ins and outs of land acquisition, and the kind of farming you want will identify the sort of land you require. To determine just how much loan to take, you'll need to know what sort of land and also just how much of it you'll need, in addition to just how much it'll cost.
Realize that you may have difficulty obtaining an agricultural loan to purchase land unless you put something up for collateral. Financial institutions bear in mind the fact farming can be a harsh service enterprise to do well in and also they may want some sort of insurance coverage or loan cosigner to guarantee they'll get their cash back.
Weathering Price Crises
Farming is a fickle sector, and couple of people remain in doubt concerning this. Yearly, your plant and also livestock production differs, as does the rate of products. Simply put, you're at the whim of buyers.
Farm loans are exceptionally practical throughout the slower times for your farm. Loans can help your organization get through both the excellent and also poor moments. They act as a security blanket of sorts, letting you understand that points will at some point select back up again.
You may repay the loans and proceed growing your farm when you've come back on your feet.
Fight Droughts as well as Other Adverse Weather Conditions
Every so often, the climate in Colorado develops dry spells, floodings, storms, and various other all-natural catastrophes. These cases are regularly unforeseen and may lead to substantial damages to your farm.
You can minimize prospective damage to your farm by preparing beforehand as well as building watering channels. Nevertheless, it's impossible to predict whatever, so sometimes despite your best shots, points can still fail.
Whatever the factor, a farm loan can aid you in remaining to run. They might assist you restore immediately and also get better more powerful and better.
Refinancing Old Loans
You may want to finance an older loan with the profits of a new one sometimes. Simply put, you would certainly have an impressive loan still, however your rate of interest payments would certainly be reduced because of the newer loan's prices. This might sound weird, yet it's done typically in farming companies.
One of the most vital point to remember is that your passion cost savings need to be greater than or equal to the refinancing expenses. Consequently, it's crucial that you talk to your financial experts prior to making a decision.
An agricultural loan might be used to expand your company. When you at first started, you had to spend a substantial amount of cash on land, equipment, as well as other goods. Increasing your business requires the very same degree of investment. Utilize your agriculture loan to get even more property, larger centers, even more cattle, even more equipment, and so forth. You might likewise utilize the funds to work with added staff - a bigger procedure will certainly need much more hands!
Agricultural Loans in Colorado
There are many types of Agricultural Loans offered in Colorado. The two major sorts of Agricultural Loans are Direct Loans and Guaranteed Loans.
Direct Loans are made by the United States government and also have reduced interest rates than Guaranteed Loans. Surefire Loans are made by personal lending institutions however are backed by the government.
The type of Agricultural Loan that you pick will rely on your demands as well as credentials. To find out more regarding Agricultural Loans in Colorado, call Farm Plus Financial for added details.
|
finance
|
https://www.villarrealjewelers.com/jewelry-insurance/
| 2021-04-22T11:41:41 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618039603582.93/warc/CC-MAIN-20210422100106-20210422130106-00552.warc.gz
| 0.912303 | 401 |
CC-MAIN-2021-17
|
webtext-fineweb__CC-MAIN-2021-17__0__69968024
|
en
|
Whether you live in Austin, Central Texas or anywhere within the country, we recommend our clients protect their investment by purchasing jewelry insurance. Protecting your newly purchased diamond engagement, wedding ring or other custom designed jewelry items is important. After all, your personal jewelry will become family heirloom pieces passed down from generation to generation. All the more reason to properly insure your jewelry. Below are more reasons why you should protect your highly prized jewelry items.
Where do I purchase insurance for my jewelry?
Your favorite pieces of jewelry reflect who you are and connect you to special moments with the ones you love. Jewelers Mutual Insurance Company – the only insurer specializing exclusively in jewelry insurance for more than 100 years – offers repair or replacement coverage to protect your jewelry for all its worth. Consider Jewelers Mutual for your jewelry insurance.
Personal Jewelry Insurance from Jewelers Mutual Insurance Group
We trust Jewelers Mutual and believe you deserve a professional, informative jewelry insurance experience so that you can wear your jewelry without worry.
Jewelers Mutual Advantages:
- Comprehensive repair or replacement coverage that often goes beyond standard homeowners insurance and warranties
- Worldwide protection against theft, damage, loss and even mysterious disappearance
- Flexibility to work with your own jeweler; no need for multiple estimates
- Licensed agents, GIA Graduate Gemologists and American Gem Society Certified Gemologists on staff whose passion and specialty is jewelry
- Personal, professional assistance for your insurance with every call, question or claim
Jewelers Mutual Insurance Group has provided the content on this page. Underwritten by Jewelers Mutual Insurance Company, Neenah, Wisconsin. Coverage and pricing are subject to underwriting review and approval, and to policy terms and conditions.
For a FREE jewelry insurance quote, contact JewelersMutual.com , and enter our Jewelers Code A00357 to apply online and learn more. If you have any questions, please call Jewelers Mutual at (888) 884-2424.
|
finance
|
https://www.e17arttrail.co.uk/product-page/additional-main-exhibition-or-event-listing
| 2024-04-13T16:16:39 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816820.63/warc/CC-MAIN-20240413144933-20240413174933-00059.warc.gz
| 0.95196 | 117 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__6287395
|
en
|
For when you require additional main exhibition or event listings
Additional Main Exhibition or Event Listing
You can purchase as many of these as required.
Any related events can be nested underneath this main exhibition listing.
A link to submit the details will be provided at a later date.
Refunds for addtional listings can be given until 1st April 2024.
After this time, if no longer required, they will be considered donations to the festival. We will have budgeted the overall festival spend based on money raised through listings.
Thank you for your understanding.
|
finance
|
https://www.cherylcollinshomes.com/blog/fed-reserve-update-6102020/
| 2022-06-29T22:43:53 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103645173.39/warc/CC-MAIN-20220629211420-20220630001420-00314.warc.gz
| 0.952343 | 661 |
CC-MAIN-2022-27
|
webtext-fineweb__CC-MAIN-2022-27__0__123211350
|
en
|
The Federal Reserve (Fed) kept interest rates unchanged and Chairman Jerome Powell stated the Fed would “do whatever it takes for as long as it takes” to support the recovery.
The Fed indicated it expects to keep rates near zero through 2022.
Treasury and agency mortgage bond purchases will continue at least at their current pace, which reflects stronger guidance than investors expected.
Today’s announcement is consistent with our “glass-half-full” view on the path forward.
As expected, the Fed held interest rates unchanged near zero today following its regularly scheduled two-day meeting. Chairman Jerome Powell reiterated the significant short- and medium-term risks they see to the economy, emphasizing the Fed will do “whatever we can and for as long as it takes” to promote the economic recovery. Chairman Powell did not announce any new initiatives, but highlighted the ongoing implementation of recent programs paired with the Fed’s willingness to use additional tools if needed. We anticipate the Fed will maintain a forceful accommodative policy stance for the foreseeable future.
The S&P 500 closed modestly lower, with growth stocks outperforming value and larger companies outperforming smaller. Treasury bond yields fell across maturities on the Fed’s commitment to maintain asset purchases and their plan to keep rates low for years.
Today’s announcement reiterated the Fed’s intention to keep rates near zero for an extended time, confirmed the plan to continue large-scale asset purchases to help keep borrowing costs low, and provided details regarding some program implementation. Treasury and agency mortgage bond purchases will continue “at least at the current pace” while corporate bond purchases are set to rise. Chairman Powell noted the Main Street Lending Facility directed at small- and medium-sized businesses will be up and running shortly. The Fed’s Summary of Economic Projections (SEP) indicates a cautious outlook in the near term that may warrant additional stimulus measures, with the gross domestic product projected to fall by 6.5 percent in 2020 before rebounding 5.0 percent in 2021. The Fed’s “dot plot,” which displays members’ expectations for interest rates in coming years, expresses the clear signal that they are unlikely to raise rates through 2022. Chairman Powell noted the viability of Treasury bond yield targeting by the Fed (referred to as yield curve control or yield caps) remains an open question. Japan, and more recently Australia, have implemented yield curve control as a means of keeping longer-term government bond yields low.
Aggressive policy measures from the Fed, European Central Bank, Bank of Japan and others continue to support market liquidity, access to capital and investor confidence for the time being. Acute credit market stresses have subsided relatively quickly, with yield spreads (the difference between corporate bond yields and equivalent Treasuries) compressing from extremes to levels only somewhat above long-term norms and corporate debt issuance breaking records year to date. Strong issuance indicates companies can bridge the gap in damaged operating cash flows with debt issuance to bolster cash balances, at least for now. Most importantly, we continue seeing improvement in the number of COVID-19 cases and a job market that has begun the recovery process as economies reopen.
|
finance
|
https://www.chc-capitalfund.org/blog
| 2023-12-10T22:33:59 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679102697.89/warc/CC-MAIN-20231210221943-20231211011943-00332.warc.gz
| 0.952332 | 3,120 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__248909118
|
en
|
Due to high patient demand at its 4725 Market Street location in San Diego, CA, Family Health Centers of San Diego (FHCSD)—one of the 10 largest health centers in the country—has embarked on a $24.6 million building expansion project, called The Diamond II – Family Counseling and Wellness Center. Capital Fund is proud to support this project with an $8 million New Markets Tax Credit (NMTC) allocation.
In addition to Capital Fund’s allocation, the project will also be funded through an $11 million NMTC allocation from Civic Communities Partners, Inc., and the health center’s cash on hand.
The Diamond II will be a five-story structure with four levels of parking topped by a 20,500-square-foot clinic, which will include a women’s health suite, a physical rehabilitation suite, and a mental health suite. The women’s health suite will consist of 12 exam rooms, two offices for perinatal case management, a fetal non-stress test room, as well as nursing and provider stations. The physical rehabilitation suite will consist of six chiropractic treatment rooms, five sports medicine treatments rooms, a large gym style physical therapy area, and provider stations. The mental health treatment suite will have 22 behavioral health therapy rooms and two behavioral health group treatment rooms.
The new clinic will allow FHCSD to increase annual patients by 25%, from 161,436 in 2022 to a projected 201,865 by 2030. Patient visits are also expected to increase by 31%, growing from 1.03 million in 2022 to nearly 1.4 million in 2030. This project will also grow community jobs, increasing FTEs from 2,054 to 2,716 in 2030—a 32% jump.
The Diamond II Center will be located in the Diamond I Center’s 85,000-square-foot parking lot. Both clinics will continue to operate upon completion of the Diamond II project, set to open in August 2024.
As one of the 10 largest Federally Qualified Health Centers (FQHC) in the United States, FHCSD operates 73 sites across San Diego County along with multiple mobile medical units. For 50 years, FHCSD’s mission has been to provide caring, affordable, high-quality health care and support services to the communities in which they operate. The health center is focused on identifying and improving the impact negative of social drivers of health on communities. This mission has resulted in FHCSD expanding beyond primary health care and into health research, housing, employment training, and job opportunities for its low-income patients and their families.
For health centers that prefer to lease solar and battery equipment rather than purchase, please contact Andrew MacCalla, CHARGE partner at Collective Energy, here. Capital Fund will lend Collective Energy the funds to support the purchase of this equipment.
The CHARGE Partnership is creating a nationwide resilient power and clean energy program for Federally Qualified Health Centers (FQHCs).
Motivated by the urgent need to tackle issues at the intersection of health equity, climate change, environmental justice, and financial and operational resiliency, CHARGE is working to create a clean energy solution that will support populations most vulnerable to power outages in areas disproportionately burdened by chronic disease, the impact of poverty, and racial and ethnic health inequities.
Healthcare Georgia Foundation has awarded Capital Fund a $500,000 Program Related Investment (PRI) to provide affordable loans to Georgia Federally Qualified Health Centers (FQHCs) to support the expansion of primary and preventive care services for low-income, underserved populations in Georgia.
As a result of this award, Capital Fund has increased its capacity to offer fixed rate and low-cost, term loans to Georgian FQHCs for facilities construction and equipment projects. These loans will enable FQHCs to efficiently and cost effectively sustain and expand the range of services they provide, including medical, dental, behavioral health, substance use disorder, vision, enabling, and other services designed to promote community wellness.
In addition, Healthcare Georgia Foundation has awarded Capital Fund a separate $50,000 grant to support Georgia FQHCs in learning more about capital project financing through trainings, meetings, and site visits. This grant will also support technical assistance offered through our LoanPLUS loan program.
Healthcare Georgia Foundation is a statewide, charitable organization whose mission is to enable, improve, and advance the health and well-being of all Georgians. For more information, visit healthcaregeorgia.org.
Capital Fund provided Hudson Headwaters Health Network (HHHN) in Glens Falls, NY, a $5 million NMTC allocation to support their $20 million health center expansion project which just closed financing on May 2, 2023. HHHN's new site will establish a Program of All-Inclusive Care for the Elderly (PACE) facility to serve individuals ages 55 and older with multiple chronic health conditions but who can still live safely in the community.
The project includes the construction of a new 17,000-square-foot medical facility as well as a 14,000-square-foot PACE Center. HHHN’s existing clinic, located half a mile from the new sites, will continue to offer urgent care services. The new medical clinic will provide a larger, more comfortable space for patients and providers. The expansion project is expected to increase patients from 118,000 annually in 2022 to 155,500 in 2030, as well as grow visits from nearly 400,000 in 2022 to 525,000 in 2030. The new facilities are slated to be completed in September 2023.
The new PACE program will accommodate 80 to 100 participants on any given day and will include multi-purpose space for adult day care with health care and social activities, treatment and therapy rooms, food preparation and dining areas, and administrative offices. Participants in HHHN’s PACE program will receive their health care from a team of health professionals who continually assess, coordinate, and implement required services for each participant. This program, designed to serve the area’s aging and vulnerable patients, will include coverage for at-home skilled nursing care, doctor visits, personal care, physical and occupational therapy, meals, social day programs, prescriptions, specialty medical care, respite care to ease the strain on caregivers, transportation, and nursing home care if necessary.
In addition to the NMTC allocation from Capital Fund, this project was also funded through an NMTC allocation from Primary Care Development Corporation (PCDC), a grant from the NY Department of Health, and a cash contribution from HHHN.
Across its 21 locations, HHHN offers a full range of services including primary, dental, and mental health. The health center’s first site, in what would later be known as Hudson Headwaters Health Network, opened in Chestertown in 1974. Over the next few years, HHHN expanded to open clinics in Warrensburg, North Creek, and Indian Lake, before these four health centers officially became HHHN in 1981.
Capital Fund contributed a $6 million NMTC allocation to Fair Haven Community Health Clinic (Fair Haven) in New Haven, CT, for the development of a new and modern 35,560-square-foot facility adjacent to its primary clinic. Fair Haven closed financing on the new space on April 26, 2023, which will allow the health center to expand its medical and behavioral health services, with special focus on pediatric and geriatric care.
The $39 million project will expand Fair Haven’s existing clinic, which is currently a set of four Victorian homes built in the 1800s that were renovated into a single health clinic structure. The new facility, which will expand the current health center’s size by 112%, will allow Fair Haven to serve nearly 6,300 more patients annually, growing from 32,000 to 38,000. The new space will allow the health center to expand its medical and behavioral health services, with special focus on pediatric and geriatric care.
The clinic will have 45 exam rooms, behavioral health and substance-abuse treatment areas, an in-house pharmacy, a computer room for a digital literacy program, and office and conference space. The project will also expand the parking lot to help meet the acute shortage of off-street parking. The project is expected to be completed by December 2025.
In addition to Capital Fund’s NMTC allocation, this project was also funded through a loan from Cambridge Savings Bank and a grant from the American Rescue Plan Act of 2021, as well as NMTC allocations from Urban Research Park CDE, The Community Builders, Massachusetts Housing Investment Corporation, and Capital One Community Renewal Fund.
Fair Haven, an FQHC serving the largely Hispanic neighborhood of New Haven through seven locations, provides care to nearly 32,000 patients annually through 124,000 visits, as well as part-time health care services in 10 local schools. Of the Fair Haven patients who reported their income, 93% are at or below 200% of the Federal Poverty Level. The organization offers a full range of primary medical, dental and behavioral health care, and has a majority minority board of directors.
Capital Fund recently provided Shasta Community Health Center (SCHC) in Redding, CA, an $11 million New Markets Tax Credit (NMTC) allocation for the construction of a two-story, 31,400-square-foot Women, Babies, and Children Clinic to replace its existing maternity clinic. Our affiliate Capital Link led the financing and closing, which took place on March 28, 2023.
The new facility, located across the street from the health centers' main clinic, will replace SCHC’s existing maternity clinic and offer primary care pediatric, maternal, and vision care services. By integrating its maternal care services into its existing campus environment, the project will enable SCHC to allocate 7,400 square-feet of space to administrative services and allow for more efficient and expansive care opportunities.
The new clinic will have 24,000 square feet of clinical space, enabling the health center to serve approximately 13,000 patients annually. The project will also move the maternity care closer to the main site, compared to the former site which was 10 blocks from the medical campus. By relocating pediatrics and financial services departments to the new facility, the project will allow for more capacity in the main health center site for additional services and programs.
In addition to the $11 million NMTC allocation from Capital Fund, the project also received NMTC allocation from California Statewide Communities Development Corporation, as well as an NMTC allocation from Chase and a bank loan from Cooperative Bank, NA.
Since opening in 1988, SCHC has provided comprehensive, affordable primary health care, dental care, mental health, and substance abuse services to residents of all incomes in Shasta County and its surrounding communities. Through its seven locations throughout Shasta County, SCHC serves more than 34,000 patients annually, as well as provides care to over 3,200 homeless patients through its HOPE Mobile Health and Street Medicine outreach program.
On April 11, 2023, Vice President Kamala Harris and Deputy Secretary of the Treasury Wally Adeyemo announced that the U.S. Department of the Treasury’s Community Development Financial Institutions (CDFI) Fund is awarding more than $1.73 Billion in response to economic impacts caused by the COVID-19 pandemic. We are proud to announce that Capital Fund is among the 603 CDFIs receiving an award. The $2.7M will enable Capital Fund to continue to provide affordable financing and technical assistance to FQHCs. Learn more about the CDFI award here.
On Friday, Oct. 28, 2022, the U.S. Department of the Treasury’s Community Development Financial Institutions Fund announced that it awarded $5 billion in New Markets Tax Credit (NMTC) allocations to Community Development Entities to revitalize low-income communities and increase economic opportunity nationwide. We are proud to announce that Community Health Center Capital Fund received a $55 million NMTC allocation.
107 Community Development Entities were selected for awards from 199 applicants that requested an aggregate total of $14.7 billion in tax credit allocation. Approximately 78% of these NMTC investment proceeds are estimated to be used to finance and support loans to or investments in operating businesses in low-income communities. The award recipients are located in 35 different states and the District of Columbia. Over 20% of the investments will be made in rural communities. These award recipients are estimated to make nearly $1 billion in NMTC investments in non-metropolitan counties.
Capital Fund recently provided $2 million in financing to San Ysidro Health (SYH) in National City, CA, to support its $52.9 million health center project, which will include the first FQHC PACE (Program of All-Inclusive Care for the Elderly) facility in the city and ultimately reduce barriers to mobility and health care that reduce elderly patients’ quality of life.
Additional financing for this project included a source loan from National Cooperative Bank, a direct loan to the Qualified Active Low-Income Community Businesses (QALICB), and a furniture, fixtures and equipment loan. The remaining funds will be provided through New Markets Tax Credit equity as well as cash provided by SYH.
The new site is projected to serve over 14,000 patients and generate over 41,000 clinic visits in its first year. Eighty seniors are expected to enroll in the PACE Program in its first year with full enrollment totaling 650 seniors by 2030. Additionally, San Ysidro’s project is expected to create 115 permanent jobs at the new site. Overall, SYH anticipates they will serve over 61,000 additional patients and generate almost 500,000 additional clinic visits while creating over 2,100 new FTEs across all locations by the end of the compliance period.
The first floor of the new facility will be dedicated to the PACE services and will include 10 medical exam rooms. The second floor will be an FQHC, providing adult medicine, OB/GYN, pediatrics, dental, behavioral health, chiropractic, diagnostic laboratory, pharmacy medications, diagnostic radiology, social and support services, and eligibility assistance. SYH will also be providing desperately needed dental services as current capacity is far below demand. Additionally, the project will include three levels of below grade parking totaling 88,325 square feet and 267 parking spaces. Construction began in August 2022 and is expected to be completed in April 2024.
San Ysidro Health was founded in 1969 by seven mothers, now referred to as the Founding Mothers, in search of medical services for their children. Today, the FQHC has 50 clinic and program sites throughout San Diego County including 24 standalone clinics, five school-based clinics, two mobile clinics, and 10 program sites providing medical, dental, behavioral, and specialty services to almost 100,000 patients through over 230,000 visits. Of SYH patients who reported their income, 95% live at or below 200% of the Federal Poverty Level. Learn more about SYH here >
|
finance
|
http://www.landcorp.com.au/our-work/rdap/
| 2015-04-19T20:57:48 |
s3://commoncrawl/crawl-data/CC-MAIN-2015-18/segments/1429246639482.79/warc/CC-MAIN-20150417045719-00209-ip-10-235-10-82.ec2.internal.warc.gz
| 0.929881 | 158 |
CC-MAIN-2015-18
|
webtext-fineweb__CC-MAIN-2015-18__0__62958394
|
en
|
The State Government's Regional Development Assistance Program (RDAP) is helping local authorities to build communities across Western Australia.
It was established to address the prohibitive costs sometimes associated with developments in regional WA, which can make them unviable for private developers. In addition, the supply of privately developed land is often limited, or non-existent.
Through the RDAP, the State Government provides LandCorp with limited funding to deliver regional projects that are essential to supporting the revitalisation and growth of regional towns and centres. Potential projects are assessed against established criteria outlined in the 2015 submission guide.
Under the RDAP, local authorities can apply to LandCorp for assistance to progress potential land development projects in their local government areas.
Click here for more information and to download an application form
|
finance
|
https://www.danforthadvisors.com/resources/danforth-advisors-names-william-tanner-managing-director-of-new-york-metropolitan-region/
| 2024-03-03T08:15:51 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476211.69/warc/CC-MAIN-20240303075134-20240303105134-00706.warc.gz
| 0.951378 | 493 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__138943316
|
en
|
WALTHAM, Mass., April 14, 2022 — Danforth Advisors, LLC today announced the appointment of William Tanner, PhD, as Managing Director of the New York metropolitan region, including Connecticut. He will oversee the company’s growth and service to clients within the local life science ecosystem, including strategic advisory and flexible, scalable management of corporate and clinical business functions.
Dr. Tanner brings more than 25 years of experience to the role, combining deeps insights in life science corporate development, capital raising and investment banking. He most recently served as Co-founder and Chief Financial Officer of ImmunoGenesis, a clinical stage immuno-oncology company. He previously spent 20 years as a biotechnology and biopharmaceutical research analyst for leading healthcare investment banks including SG Cowen, Leerink Swann, Lazard Capital Markets, Guggenheim Securities and Vector Securities International. During that time he covered more than 100 companies across all market cap sizes and was involved in raising billions of dollars for public and private companies.
“We have had an active role in New York’s life science community for the past several years, and we’re excited to reach even more emerging companies under Bill’s leadership,” said Chris Connors, Chief Executive Officer of Danforth. “Particularly now, with an abundance of new companies competing for both funds and talent, we can fill gaps in the region with variable resources across multiple business functions and roles – from financing strategy to human resources infrastructure – all through the lens of life science sector experience.”
“I have known the Danforth team for years and have admired the unique role they play in helping life science companies run well – a feat in a very dynamic and challenging industry,” said Dr. Tanner. “Having served on both sides as a corporate officer and in investment banking, I understand the financial and operational hurdles that can impede companies’ progress, and I’m looking forward to tackling those challenges for clients with a highly experienced and growing team in and around New York.”
Dr. Tanner holds a PhD in physiology from Texas A&M University and completed post-doctoral training at the Washington University School of Medicine in the Department of Cell Biology and Physiology and in the Department of Pathology, Center for Immunology. He also holds an MBA from the Olin School of Business at Washington University.
|
finance
|
https://support.opposuits.com/en-US/when-and-how-will-i-get-my-refund-288186
| 2024-04-24T00:28:10 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818835.29/warc/CC-MAIN-20240423223805-20240424013805-00175.warc.gz
| 0.974512 | 218 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__135527406
|
en
|
When and how will I get my refund?Updated 7 months ago
Your refund will be transferred as soon as we have processed your returned product, for which we will always try our best to do in a timely manner. Depending on the amount of returns that have to be processed at a given time, processing a return can take approximately 4 to 8 business days.
When your return has been processed, you will automatically receive a credit note from us via email. Once we've initiated your refund, these kinds of transactions take a couple of business days to process. It not only has to be processed by us, but also by a ‘payment service provider’ and of course by your own bank.
You will always receive your refund through the same payment method you have used to place the original order. Please note that the 'sender' of the refund transaction could also be Adyen, which is our payment provider. In the unlikely event that you still haven't received your refund two weeks after receiving your credit note, please contact our support team so we can investigate this.
|
finance
|
http://cohenlawyers.com/debt_settlement.htm
| 2013-05-22T23:46:30 |
s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368702525329/warc/CC-MAIN-20130516110845-00099-ip-10-60-113-184.ec2.internal.warc.gz
| 0.94869 | 1,081 |
CC-MAIN-2013-20
|
webtext-fineweb__CC-MAIN-2013-20__0__57038249
|
en
|
What we do:
At Cohen & Cohen, P.C., we will act as attorneys and negotiate on your behalf with your creditors with the goal of settling your debt for a reduced amount. We open up a case file and treat it like any other legal matter we handle. We will work with our clients to develop an individual strategy and offer advice along the way. Depending on the clients’ specific requirements, we will draft settlement agreements and releases of liability prior to the disbursement of any funds for settlement purposes. Bottom line, debt settlement is a legal matter and we treat it as one.
How we do it:
We first meet with our clients face to face in our office for a free initial consultation (arrangements can be made for telephonic meetings for non-Denver Metro clients). If we decide to take your case we will provide a short punch list of information to gather and return to our office. After review, we will then begin crafting a debt settlement strategy and begin settling your debts after you have the opportunity to provide input. We are not so arrogant to assume we can foresee every possible client scenario. After all, the client may have already done some negotiations, may know the contact person, and generally have an idea of the direction and current case posture.
Our clients are often very surprised at the depth and scope information which is weighed when settling debt. There are so many unique circumstances and considerations which arise unexpectedly or are generally unanticipated. For example, length of the debt, bankruptcy, consumer litigation, availability of funds, timing issues, and so on.
One of the things which sets us apart from the traditional debt settlement company is that we are lawyers and we treat your case as such. For some it may be hard to believe, but attorneys have very stringent ethical requirements, especially accounting and bookkeeping, which they are required to adhere to otherwise they face strict discipline including the loss of a law license. Given this we provide a comprehensive debt analysis which includes your legal and non-legal options. For example, we can advise our clients what steps to take in the event litigation is needed. We are comfortable negotiating with law firms (indeed this is oftentimes preferred so we do not have to educate the collectors as to what they can and cannot do per Colorado law).
We can advise our clients to take appropriate measures to protect their assets just in case they need to file bankruptcy. Oftentimes we can assist our clients in pre & post-divorce planning and debt negotiations. Moreover we are knowledgeable about consumer litigation which helps us leverage our client’s position. Indeed, sometimes it is not in our clients best interests to settle the debt when litigation is the more appropriate remedy. When we talk bankruptcy or litigation we are not bluffing as we have the means and ability to pursue both.
With regards to the funding of the debt settlement, our clients can either provide to us a lump sum or build up a war chest with monthly payments. We hold all of the unearned client money in a trust account until the sooner of the debt settlement, earning our fees, or the client requesting a refund. We even send out a monthly statement of the amount left in the trust account, a description of the services performed that month, and our charges. Once you have accumulated the required amount (depends on each case) then we will begin the debt settlement process.
One of the biggest questions we get is, how do you make money? The answer is that our fees are earned on a combination of hourly rate and a percent of what we save our clients. The normal business model for this industry is a straight contingency as a percent of what is saved. The normal sales line is something along the lines of we don’t make money unless we save you money. At first impression this sounds like a good deal, but it has been our experience that it ends up harming the client. The primary reason for this is that some unscrupulous attorneys and non-attorney debt settlement agencies will do as little work possible on your file because they will make more money that way. The result is generally a worse result for the client and negative consequences.
Our system is set up to balance the two out. We have created a business model where yes, we have an incentive to save our clients as much possible but at the same time if extra work needs to be done to get to that point then we will also have no reason not to perform those services. Thus although we charge less on the savings side of the equation, the result is better for the client and we are still able to operate profitably.
Ultimately, once we have negotiated the debt we will abide by the clients instructions and either require a legally binding settlement agreement (i.e., contract) before re release the funds or other accord and satisfaction. Although nothing is bulletproof (run, don’t walk from those who guarantee results) we will do our best to ensure that the matter is put to rest once and for all and you have legal remedies if the creditor breaches.
We encourage you to check out our FAQ section on Attorney Debt Settlement for a list of the common questions and answers.
To schedule your initial consultation at our convenient central Denver location call 303-933-4529.
Bruce Robertson Cohen,
Robertson B. Cohen,
|
finance
|
https://www.berkleymed.com/About-Us/Employment-Opportunities
| 2020-10-22T12:57:16 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-45/segments/1603107879537.28/warc/CC-MAIN-20201022111909-20201022141909-00660.warc.gz
| 0.895473 | 254 |
CC-MAIN-2020-45
|
webtext-fineweb__CC-MAIN-2020-45__0__38172749
|
en
|
BerkleyMed is always looking for talented individuals who desire a career in insurance and risk management. Our corporate philosophy and financial success allow us to offer competitive salary and benefit packages.
If you are interested in pursuing career opportunities with us, please forward your resume to our Human Resources Department via the following:
Attn: Human Resources
16305 Swingley Ridge Rd
Chesterfield, MO 63017
BerkleyMed offers a competitive compensation and benefits package to meet the diverse needs of our employees and their family members.
Excellent medical and dental coverage offered for employees and dependents
401(k) savings plans with profit sharing contribution program
Pre-tax medical and dependent care flexible spending accounts
Life insurance, short-term, and long-term disability at no cost to the employee
Generous Vacation and Sick Leave
Flextime (with core hours)
Business casual work environment
Employee Assistance Program (EAP)
BerkleyMed is an equal opportunity employer. We are committed to maintaining an environment in which all employees are treated equitably. Our company policy provides for equal opportunity for qualified individuals regardless of race, color, religion, sex, national origin, creed, ancestry, age, marital status, or disability.
|
finance
|
https://www.flybmi.com/gender-pay-gap-report
| 2018-06-23T05:51:39 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-26/segments/1529267864943.28/warc/CC-MAIN-20180623054721-20180623074721-00402.warc.gz
| 0.955697 | 202 |
CC-MAIN-2018-26
|
webtext-fineweb__CC-MAIN-2018-26__0__247589610
|
en
|
This is flybmi’s first Gender Pay Gap report, based on the new UK gender pay reporting requirements for companies employing over 250 staff.
The gender pay gap in flybmi is significantly influenced by the salaries and gender profile of our pilot and engineering teams, who make up 57% of its employees.
In common with the rest of the aviation industry, our pilots & engineers are predominately male and their salaries are high in relation to other flybmi employee groups.
This increases the gender pay gap at flybmi.
- Pay data for flybmi employees for the pay period including 05 April 2017 as specified by the UK regulations.
- Pay calculations are based on FTE adjusted total pay received in the month of April 2017 and includes basic salary, allowances and sector pay net of salary sacrifice amounts that individual employees may elect to make through flybmi’s payroll, such as individual pension contributions.
- Pay Calculations exclude overtime payments any benefits in kind.
|
finance
|
https://www.optitune.com/optitune-successfully-completes-its-5m-crowd-funding-round/
| 2024-02-22T04:18:27 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473690.28/warc/CC-MAIN-20240222030017-20240222060017-00224.warc.gz
| 0.939859 | 668 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__36465570
|
en
|
Oulu, Finland: Optitune, one of the world’s most innovative nanocoating companies, based in Oulu Finland and operating globally, has successfully closed its latest growth financing round through Springvest Oyj. Optitune raised the full 5M EUR requested nearly a week before the deadline.
“We could not be more excited and humbled by the interest of the Finnish public,” says Jody Paulus, Optitune’s CEO. “We have really exciting plans to invest in our capabilities to assist clients with applying our coatings in mass production, which will fuel our growth over the next years”
“Optitune funding round was built on a clear need for investment to enable the company to continue its fast growth. Investors were interested in growth leap potential, cooperation with the global manufacturers of consumer goods as well as in multiple application areas of Optitune product enabling scaling of business on a high level,” says Päivi Malinen, CEO at Springvest Oyj.
“Optitune has indeed made several partnerships with well-known, industry-leading brands”, Jody Paulus adds, “Few other coating companies are innovating at the pace and with the successes that Optitune has and with this additional investment we can fast track our road to mass adoption in several industries.”
Optitune Oy has developed ultra-thin nanocoatings for metal, glass and plastic surfaces based on its proprietary polysiloxane technology. Optitune´s nanocoatings remain invisible to the naked eye, while providing best-in-class performance. The introduction of improved surface solutions in applications such as consumer electronics, home appliances, kitchen sinks and kitchen accessories can significantly increase the life cycle of these products and provide end user with clear values: durability, sustainability, and long-lasting visual beauty.
Optitune chemists and engineers are a determined team, intent on pushing the boundaries of possibility in terms of light transmission, surface management, and durability. Optitune’s patent-protected product portfolio includes flexible plastic hard coats, metal and glass coatings, light management, and optoelectronics materials. The nano-engineered optical coatings are developed and produced at Optitune’s facility in Oulu, Finland. Optitune’s sales team is located in Asia and Europe. For further information please visit: www.optitune.com
Springvest Oy, founded in 2012, is a financier company for Finnish start-up businesses. They are a trusted partner for start-up companies whose products and services make the world a better place. Springvest offers funding and opportunities to invest in unlisted companies that would otherwise be out of reach. Before, investing into promising start-ups was possible only for large capital owners, but since the founding of Springvest, investing into unlisted companies has been made more approachable. Springvest has a success rate of 100 % for its funding rounds, gathering more than 200 MEUR for its partners. For further information please visit: https://www.springvest.fi/
November 21st 2022
Jody Paulus, CEO
Mobile: +358 40 661 4656
|
finance
|
https://www.earthianzerowasteshop.co.uk/post/paying-the-living-wage
| 2023-12-04T19:23:43 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100534.18/warc/CC-MAIN-20231204182901-20231204212901-00048.warc.gz
| 0.980368 | 347 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__80994543
|
en
|
We are a Living Wage Employer!
We are very proud to have been certified as a Living Wage Employer. I wanted to share a short article about why we chose to do this and what it means to pay a real living wage.
The news lately has been dominated by rising costs and the fear that many will not be able to make ends meet. Being an ethical business owner isn't just about looking after the planet, it's also about looking after our people and the local community. A significant part of this is paying a fair wage to everyone who works for us.
The National Living Wage, set by the government, is different to the Real Living Wage. Paying a Real Living Wage means paying all staff and contractors an hourly rate that is based on the true cost of living, including rent rates, fuel, energy and food. The Living Wage Foundation is an independent organisation which calculates this rate using the latest evidence for how much the necessary things in life actually costs for an average UK family.
Paying this higher hourly rate to staff obviously helps them greatly. It ensures that they are able to do more than just survive. However, over 20% of families in the UK still don't receive a real living wage, it is a wage that is paid voluntarily and is not yet law.
Since the Living Wage Foundation was formed great strides have been made in ensuring that people are not exploited. Getting accredited means that we are held to account and must increase our wages in line with the Real Living Wage when this is calculated annually. It also means that we are putting our support and our name to the cause of fair wages for all to help push for this wage to become law.
Thank you for reading!
|
finance
|
https://hubentravel.com/travel-insurance/
| 2021-12-06T17:02:39 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-49/segments/1637964363309.86/warc/CC-MAIN-20211206163944-20211206193944-00084.warc.gz
| 0.94488 | 339 |
CC-MAIN-2021-49
|
webtext-fineweb__CC-MAIN-2021-49__0__39647090
|
en
|
Having the right insurance gives you the security of knowing that you are covered for those unexpected costs.
Sometimes things don't go to plan. Your car may breakdown or be involved in an accident, which could mean you miss your flight. You could lose your bag, or have money/passports stolen. Worst of all, you could end up having to make an unexpected visit to the hospital. Having the right travel insurance gives you the security of knowing that you are covered for those unexpected costs.
At Huben Travel, we believe you should be offered a wide selection of great value travel insurance policies, whether you’re travelling as an individual, a couple or a family. Whilst the choice of travel insurance provider lies with you, we have found that the products offered by First Travel Insurance have been great for our customers.
First Travel Insurance offers policies with no upper age limit for single trips, and up to the age of 79 for annual policies. First Travel Insurance provides cover for many sports and activities, including winter sports and scuba diving. All pre-existing medical conditions are considered.
In these unprecedented times. First Travel Insurance now includes enhanced Covid-19 Cover when you take out their Gold Cover, so you can book your holiday with confidence.
Please remember, there is no cover on any First Travel Insurance policies if you travel against the Foreign, Commonwealth and Development Office (FCDO), government, local authority or medical advice.
This insurance is provided by First Travel Insurance, which is a trading name of Rush Insurance Services Limited, who are authorised and regulated by the Financial Conduct Authority (Firm Reference Number 714385) and permitted to arrange general insurance contracts.
|
finance
|
http://heatoncpa.net/
| 2018-10-22T13:47:23 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-43/segments/1539583515088.88/warc/CC-MAIN-20181022134402-20181022155902-00268.warc.gz
| 0.909769 | 171 |
CC-MAIN-2018-43
|
webtext-fineweb__CC-MAIN-2018-43__0__51238297
|
en
|
Please make a note of our new address:
5700 Broadmoor, Suite 505, Mission,
Phone: 913.831.0567 / Fax: 913.432.3754 / [email protected]
Serving the Greater Kansas City area for over 20 years,
Pamela K, Heaton CPA LLC is a tax and accounting firm located in Mission, Kansas. Focusing on small
business and individual tax accounting and consulting, Pamela provides the highest quality of service at an exceptional value.
Her expertise in financial accounting and reporting, tax planning and return preparation, as well as QuickBooks consulting
make her an excellent choice for your small business and personal accounting needs.
Located in Mission, Kansas, our office is easily accessible from most parts of the greater metropolitan area.
|
finance
|
https://wisepoint.org/2960
| 2023-09-21T23:08:02 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506045.12/warc/CC-MAIN-20230921210007-20230922000007-00850.warc.gz
| 0.966124 | 549 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__214476067
|
en
|
Some market watchers believe interest rates will fall because the Bank of England will be forced to stimulate the economy in the event of a leave vote. Economists at JP Morgan forecast borrowing costs could fall to zero by August if there is a vote to leave. In the run-up to the vote, five- and 10-year fixed-rate mortgages have been at their lowest ever level. This is because government bonds are seeing a drop in yields – or the interest rate they pay out to investors – as the City searches for havens for its cash in the event of a leave vote. If bonds become a hot ticket among investors and rise in price, then yields fall.
Ray Boulger, of mortgage brokers John Charcol, said the decline in yields has yet to be passed on fully so a remain vote should not necessarily lead to a sharp increase in mortgage rates. A vote to leave could cause the pound to plummet. In February, investment bank Goldman Sachs claimed the value of sterling could fall by up to 20%.
If such predictions are correct, holidaymakers heading to Spain and other eurozone countries might find the pound has less spending power than it did last summer. Last August £1 bought about €1.42; on Monday it was about €1.29, though that’s better than €1.26 last week. Anyone worried about the pound plunging, can buy currency now or load money on to a prepaid currency card. Money in bank accounts, savings accounts and cash Isas is protected up to the value of £75,000 by an EU directive. There is no need to withdraw cash from any bank or building society covered by this deposit guarantee, whereas cash stored under the mattress is rarely insured.
The Bank of England is likely to enter the market to provide liquidity – making sure banks have enough cash – if an exit vote prompts market mayhem and investors attempt to pull cash out of the UK. Indeed, the bank has been offering money to institutions via three pre-announced money market operations, where funds are offered to UK banks.
A range of organisations have predicted a Brexit vote would lead to a fall in property prices, and there is anecdotal evidence that many buyers and sellers have put their plans on hold until Friday at least. Some property websites has warned that Brexit would reverse the gains in house prices made over the past five years, citing Treasury research.
For investors looking to make money out of property, this will be bad news. But home buyers should look to the longer term. UK house building is not keeping up with demand, and unless mortgage rates rocket, that could mean upwards pressure on prices resumes once the dust has settled. Source: theguardian.com, Jun 22, 2016
|
finance
|
http://www.agentbenedict.com/testimonial/katie-and-mark-s/
| 2019-06-18T07:00:32 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-26/segments/1560627998690.87/warc/CC-MAIN-20190618063322-20190618085322-00436.warc.gz
| 0.989742 | 260 |
CC-MAIN-2019-26
|
webtext-fineweb__CC-MAIN-2019-26__0__119311440
|
en
|
When we first met with Adam we only had an approximate price point and a rough idea of desirable neighborhoods (northern suburbs). Adam prompted us to think about what was important for our search (old vs new construction, central air, lot size) and helped us create a personalized MLS search. From there we simply ranked properties and contacted Adam when we had a few we wanted to see. Adam was very knowledgeable about all aspects of buying a home. He was never pushy and knew a staggering amount about the neighborhoods (school districts etc) and the homes themselves. He was even able to give us rough cost estimates for upgrades we were considering for each property. His expertise was particularly valuable when it came time to make an offer. We found a home we loved listed around 250,000. We were ready to pay full price based on our limited knowledge of home values in the neighborhood. Adam did his own appraisal of the property and recommended we not pay more than 225,000 based on current market value. He helped us make an offer and negotiated a sale under his suggested price cap. We felt very fortunate to have an agent who was thinking about our long-term financial investment rather than his commission. The entire process was completely seamless. We will continue to use Adam indefinitely and would recommend him without reservation.
|
finance
|
http://artoflife.tipsfusion.com/technology/ios-users-spend-more-on-apps/
| 2020-01-27T21:20:43 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-05/segments/1579251728207.68/warc/CC-MAIN-20200127205148-20200127235148-00087.warc.gz
| 0.947814 | 266 |
CC-MAIN-2020-05
|
webtext-fineweb__CC-MAIN-2020-05__0__134252770
|
en
|
Whether you love them or hate them, in-app purchases aren’t going away anytime soon. In fact, they’re likely to grow even more prevalent as developers realize the potential to make serious money by employing them. Essentially, it’s a case of drawing people in with a free app, before hitting them where it hurts… in the pocket.
AppsFlyer recently published a breakdown of spending on in-app purchases across various metrics, and the results are extremely interesting. And it all starts with the finding that iOS users “spend two and half times more than Android users a month per app across verticals and regions”. This, Business Insider concludes, shows that “iOS users are less price-sensitive than Android users”.
The report also finds that Asian users spend more than any other group, an average of $0.70 per month per app. However, if North American users do commit to an in-app purchase they commit fully, spending an average of $43 compared to the $11 spent by the average Asian user. Latin American users, meanwhile, don’t spend much on average, but a small number of users (referred to as “whales”) are spending vast sums every month. So now you know.
|
finance
|
https://dailyhomeideas.com/pittsburgh-home-buyers-your-path-to-a-stress-free-home-sale.html
| 2023-09-30T07:00:31 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510603.89/warc/CC-MAIN-20230930050118-20230930080118-00854.warc.gz
| 0.915339 | 895 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__215183401
|
en
|
Selling a home can often be a challenging and stress-inducing process. From preparing the property for sale to dealing with negotiations and the closing, the traditional real estate journey can be overwhelming. Fortunately, Pittsburgh Home Buyers offers an alternative path to homeowners in the Pittsburgh area, promising a smooth and stress-free home sale experience. In this article, we’ll delve into the world of Pittsburgh Home Buyers and explore how they simplify the process of selling your home.
The Traditional Home Selling Process
The conventional method of selling a home typically involves several intricate steps, including:
- Preparation: Getting your home ready for sale may require repairs, renovations, and staging, which can be time-consuming and costly.
- Listing: Finding the right real estate agent, determining the appropriate listing price, and creating marketing materials are crucial steps in the process.
- Showings: Once your home is listed, you’ll need to accommodate showings, which can disrupt your daily life and schedule.
- Negotiations: Offers may come in with various terms and conditions, leading to negotiations that can take time and effort.
- Inspections and Appraisals: The buyer’s inspections and appraisals can introduce further delays and complications.
- Closing: Finally, you’ll reach the closing table, but even this phase can be subject to delays due to financing issues or unexpected hurdles.
Pittsburgh Home Buyers: A Simpler Approach
Pittsburgh Home Buyers offers a refreshingly straightforward alternative. Here’s why their approach stands out:
- Quick and Hassle-Free Transactions
One of the primary benefits of Pittsburgh Home Buyers is the speed and simplicity they bring to the home selling process. They specialize in quick transactions, often allowing you to sell your home within days or weeks, rather than months.
- No Need for Repairs or Renovations
Unlike the traditional process, Pittsburgh Home Buyers purchases homes in their current condition. You don’t have to worry about making costly repairs or renovations to make your property market-ready.
- Eliminate Showings and Open Houses
With Pittsburgh Home Buyers, there’s no need to stage your home for showings or open houses. You won’t have strangers walking through your home, disrupting your daily life.
- No Commissions or Fees
Selling your home through a real estate agent typically involves paying commissions and fees. Pittsburgh Home Buyers eliminates these costs, ensuring that you receive the full offer amount.
- Streamlined Process
Pittsburgh Home Buyers simplifies the transaction process. They provide fair cash offers, handle the paperwork, and ensure a smooth and efficient sale from start to finish.
- Cash Offers
True to their name, Pittsburgh Home Buyers provides cash offers for your property. This can be particularly advantageous if you need to sell quickly due to financial constraints or other reasons.
Who Benefits from Pittsburgh Home Buyers?
Pittsburgh Home Buyers offers a solution for various situations:
- Homeowners Facing Foreclosure: If you’re at risk of foreclosure, a quick sale can help you avoid the financial and emotional toll of losing your property.
- Owners of Inherited Properties: Inherited properties can be a burden, especially if you live far away. Pittsburgh Home Buyers can provide a hassle-free way to sell these homes.
- Homeowners in Need of Quick Sales: Whether you’re relocating for work, going through a divorce, or facing unexpected financial challenges, Home Buyers can provide a rapid solution.
- Owners of Problematic Properties: If your home has structural issues or needs extensive repairs, Pittsburgh Home Buyers can offer an exit strategy without the need for costly fixes.
Conclusion: A Stress-Free Home Sale Awaits
Pittsburgh Home Buyers is revolutionizing the way homeowners approach the sale of their properties. With a commitment to simplicity, speed, and fairness, they offer an attractive alternative to the traditional real estate market. If you’re seeking a stress-free and efficient way to sell your home in Pittsburgh, Pittsburgh Home Buyers provides a straightforward path to closing the deal and moving on with your life. Say goodbye to the complexities of showings, negotiations, and delays, and say hello to a simpler, more efficient way to sell your home.
|
finance
|
https://royalascotcc.com/2015/02/28/the-easy-way-to-help-raise-money-for-the-club/
| 2023-06-01T01:59:55 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224647525.11/warc/CC-MAIN-20230601010402-20230601040402-00048.warc.gz
| 0.883497 | 300 |
CC-MAIN-2023-23
|
webtext-fineweb__CC-MAIN-2023-23__0__171521521
|
en
|
We’re focusing on fundraising for the new Clubhouse Project and found a great way to raise money for free, simply by shopping online through a website – www.easyfundraising.org.uk
Whenever you buy anything online you can make a free donation for the RACC Clubhouse Project.
There are over 2,700 retailers registered with the site, including Amazon, John Lewis, eBay and Tesco who will donate a percentage of what you spend to RACC Clubhouse Project to say thank you for shopping with them.
It only takes 3 easy steps & costs you nothing:
1. Go to www.easyfundraising.org.uk/causes/raccclubhouseproject
2. Sign up for free
3. Get shopping and your donation will be sent to Royal Ascot Cricket Club. It couldn’t be easier!
Also if you have your own business then you can also make business purchases (e.g. stationary, travel, energy, telecoms, computers, web hosting) through easyfundraising.org.uk and get cash rewards paid to the RACC Clubhouse Project
Please encourage all your family and any friends interested in the cricket club to sign up to easyfundraising.org.uk for the RACC Clubhouse Project rewards.
If you have any questions about the club’s tie up with easyfundraising.org.uk then please email [email protected]
|
finance
|
https://www.ehnwhiterock.com/admissions/
| 2020-05-29T09:00:52 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-24/segments/1590347402885.41/warc/CC-MAIN-20200529085930-20200529115930-00499.warc.gz
| 0.943826 | 737 |
CC-MAIN-2020-24
|
webtext-fineweb__CC-MAIN-2020-24__0__50593190
|
en
|
Call us now to start your recovery at Whiterock!
One Year Free Aftercare
At Whiterock, we realize that aftercare is critical for successful long-term recovery. That’s why one year free aftercare is included in the price of our residential treatment programs, for all patients who complete treatment. We also provide the option of online aftercare through our Wagon Online Outpatient Clinic.
We’re Currently Accepting New Patients
The admissions process begins when you call us and begin a confidential conversation with one of our admissions specialists—you can call anytime, day or night. We start by getting to know the patient by asking a number of questions to understand their situation, including clinical and medical needs. The initial phone conversation to gather this information will take about 20 minutes and may be with the patient, a family member, or a referring person. If Whiterock is the right place for the patient, admission can be scheduled as early as the same day. We try to ensure that people start treatment as soon as possible.
Costs and Payment for Private Detox and Drug Rehab
Whiterock is a private detox and drug rehab facility and we do not accept coverage from the provincial health insurance plan. The cost of private detox and drug rehab will vary based on the patient’s needs and length of stay in the Program. All services offered at Whiterock are at the patient’s discretion.
Many employee benefit plans cover EHN Canada’s residential treatment programs for alcohol and drug addiction. Call us now at 1-888-767-3955 and tell us the name of your employer and your insurance provider—we’ll help you figure out if you’re covered!
Financing for Private Detox and Drug Rehab
Paying for detox and addiction treatment can seem overwhelming. However, you have a number of different options for financing if you don’t have the money and your insurance coverage is insufficient.
Financing options include the following:
- Specialized loan: EHN Canada has partnered with PayPright to offer loan packages to help people pay for our treatment programs. They have lower interest rates than most credit cards and healthcare cards. Please visit PayBright’s website for more information.
- Home equity loan: if you have a home to offer as collateral, you may want to consider getting a home equity loan. They have lower interest rates than personal loans.
- Personal savings: you may want to think about using your personal savings instead of opening a credit card or getting a loan.
- Healthcare credit card: some credit card companies offer specialized healthcare cards with lower interest rates than standard credit cards.
- Payment plan or sliding scale: many recovery programs understand the hardship of paying for treatment and will create an individualized payment plan based on what people can realistically afford.
- Crowdfunding: you can create a campaign on crowdfunding websites, such as GoFundMe, in a few easy clicks and share it with friends and family to raise money for your treatment.
Call Us Now!
If you would like to learn more about the treatment programs offered at Whiterock, or if you would like to enrol, please call us at 1-888-767-3955. Our phone lines are open 24/7—so you can call us anytime.
Please call us at one of the numbers below, or e-mail us, if you’d like to enrol in one of our programs or if you’d like more information.
send us a message
Contact us and we will happily respond
|
finance
|
http://www.thecountryvibe.com/blog/brad-paisley-puts-los-angeles-home-on-the-market/
| 2016-05-24T21:33:47 |
s3://commoncrawl/crawl-data/CC-MAIN-2016-22/segments/1464049273667.68/warc/CC-MAIN-20160524002113-00202-ip-10-185-217-139.ec2.internal.warc.gz
| 0.966424 | 133 |
CC-MAIN-2016-22
|
webtext-fineweb__CC-MAIN-2016-22__0__16261792
|
en
|
Brad Paisley is the latest country star hoping to off load some real estate. According to the Los Angeles Times, he and his wife Kimberly are selling their Los Angeles home for just under $3 million. The four bedroom, three bath house is actually located in Pacific Palisades, which is just west of L.A. along the coast near Santa Monica. The house is almost 3,400 square feet and it features a detached garage with a bonus room and citrus trees in the lawn. If they get the asking price for the home, it will mean a nice profit for the couple who paid $1.644 million for the property back in 2004.
|
finance
|
https://www.dancetheatreartsacademy.co.uk/class-fees
| 2022-01-24T13:12:52 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-05/segments/1642320304570.90/warc/CC-MAIN-20220124124654-20220124154654-00102.warc.gz
| 0.920604 | 121 |
CC-MAIN-2022-05
|
webtext-fineweb__CC-MAIN-2022-05__0__230303419
|
en
|
JUNIOR & MIDDLE CLASS FEES – 2021-22
All fees are paid monthly via Direct Debit as follows:
45 minute class = £18.50 per month 60 minute class = £25.00 per month
A 10% discount is offered to all students who take 3 or 4 classes per week.
A 15% discount is offered to all students who take 5 classes or more per week.
We also offer a 10% sibling discount to all children in the same family if they do not qualify for other discounts.
|
finance
|
https://www.scotsphil.org.uk/conference-support/
| 2019-07-20T09:22:16 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-30/segments/1563195526506.44/warc/CC-MAIN-20190720091347-20190720113347-00158.warc.gz
| 0.949614 | 660 |
CC-MAIN-2019-30
|
webtext-fineweb__CC-MAIN-2019-30__0__66545390
|
en
|
Income from sales of the Philosophical Quarterly enables the SPA to offer grants to support philosophy events organised in Scotland, including conferences and workshops, reading parties, and public lectures (lectures for primarily non-academic audiences). We offer grants:
- of up to £1,000 for one-day events
- of up to £1,500 for all other events.
However, in exceptional cases, and only when the need and justification for such additional funding is clear, the SPA can provide grants of up to £2,500.
The SPA normally will not support individual talks to academic audiences (i.e., academic research events that are not plausibly “workshops” or “conferences”); however, in exceptional circumstances, and only when the need and justification for such funding is clear, the SPA may support such talks.
Some guidelines for applications:
- Application budgets are normally expected to show other sources of income (e.g. support from the department hosting the event).
- SPA conference grants normally take the form of a guarantee against losses.
- SPA conference grants are normally made for events being held in Scotland.
- Events to be supported by the SPA are normally open to all SPA members and to all philosophy students in Scotland.
- The SPA expects that applicants will have given proper consideration to gender balance amongst the participants (speakers, commentators, chairs) in the planning of events. The SPA also expects that applicants give consideration to accessibility in the planning of their events, and asks applicants to note reasonable efforts made in this regard. (See suggested guidelines here.)
- Up to an additional £500 (guarantee against losses) is available for conference organizers to make free child care available to conference participants and delegates.
Applications should include (in this order):
- A description of the event (1-2 pages), including a brief explanation in their application if their proposed event is an exception to the norms and expectations described above.
- A proposed budget (1-2 pages), showing expenditure and other sources of income. This should include a breakdown of costs. In the case of lunches/dinners and refreshments, it should include the number of persons covered by the expense (so we can see cost per person), and a description of who is to be covered (conference organizers, speakers, other attendees?). Note: In cases of requests involving expenses for non-speakers, the SPA typically sets a higher bar for funding, and expects that organizers will have given special consideration to cost-effectiveness, and whether the expenses are necessary for the success of the given event.
Decisions about conference grants are made by the SPA Committee. Applications can be made at any time, and should be sent to the Secretary at [email protected]. Because funding is limited each academic year, it makes sense to apply as early as possible.
Supported conferences should acknowledge the financial support of the SPA on all the publicity announcing the event. SPA logos can be downloaded here: round-black, round-white-1, round-white-2, round-invert, horizontal-black, horizontal-white.
|
finance
|
https://eurocasinosites.com/casino-payment/
| 2023-12-03T07:26:37 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100489.16/warc/CC-MAIN-20231203062445-20231203092445-00403.warc.gz
| 0.937288 | 2,208 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__219104764
|
en
|
When you play at European Online Casinos, you have two options – either play for fun or play with real money. If you choose the latter, you don’t need to make a deposit or add a payment method to your account page. On the other hand, if you decide to play for real money, you have dozens of options before you.
Payments have evolved a lot since the golden days of Las Vegas. You don’t need to buy coins anymore and feed a machine to start playing. Well, you do, but in a virtual setting and in a completely different way.
Payments have gone digital and include everything from credit and debit cards to e-wallets and cryptocurrency where you store your money online. e-Wallets are by far the most popular option for most players, giving you a chance to pay on the go easily and quickly.
They can be used for both deposits and withdrawals. Widely considered just as safe as credit and debit cards, e-wallets can be used much easier. You can fund them with other e-wallets and via credit & debit cards, making them as flexible as they can be.
The biggest advantage is that they’re all online. You fund them electronically by sending money from other payment options and transfer them to casinos in the same way. There are no banks playing the role of a middle man and no obstacles to make deposits and withdrawals easily. They’re the payment method of a new era, and the most popular option for most European players.
This offer is only available for first time depositors. Excl. new players in N.I. Min deposit is £10. 50 Free Spins on Book of Dead. Spin Value: £0.10. After your first deposit you may claim your 30 Extra Free Spins by visiting the Kicker Section. No min withdrawal. This offer cannot be used in conjunction with any other offer. Full T&C's Apply
18+ New Players Only. Min. Wagering Requirement. Valid until Further Notice. Full T&C's Apply
The Future of Fast and Secure Online Gambling
In the ever-evolving world of online gambling, one of the most sought-after features is the ability to receive instant payouts. Traditional online casinos often come with delays in processing withdrawals, leaving players waiting for days or even weeks to access their winnings. However, the advent of instant pay casino sites has revolutionized the industry by offering swift and hassle-free withdrawals, providing players with an enhanced gaming experience. In this article, we will explore the concept of instant pay casino sites, their benefits, and the key factors to consider when choosing a platform.
What are Instant Pay Casino Sites? Instant Pay Casino Sites, also known as Instant Withdrawal Casinos, are online gambling platforms that prioritize the rapid processing of player withdrawals. These sites utilize advanced payment systems and technologies to ensure that players receive their winnings within minutes or hours, rather than enduring prolonged waiting periods.
Benefits of Instant Pay Casino Sites
Speedy Withdrawals: The primary advantage of instant pay casino sites is the promptness with which players can access their winnings. Unlike traditional casinos that may take days or even weeks to process withdrawals, instant pay sites utilize efficient payment methods to provide swift transactions, enabling players to enjoy their funds almost immediately.
Enhanced Convenience: Instant pay casino sites cater to the modern player’s desire for convenience. By eliminating lengthy withdrawal procedures, these platforms allow players to manage their funds efficiently, offering a seamless and hassle-free gaming experience.
Trust and Security: Instant pay casinos often employ cutting-edge encryption technologies and stringent security measures to safeguard players’ financial information. With fast withdrawals, players can have peace of mind knowing that their funds are handled securely and promptly.
Increased Player Satisfaction: The instant gratification offered by instant pay casino sites enhances player satisfaction and overall enjoyment. Being able to withdraw and access winnings instantly boosts players’ confidence in the casino, leading to a more positive and engaging gambling experience.
Key Factors to Consider:
Payment Methods: Instant pay casino sites usually offer a variety of payment options to facilitate swift withdrawals. Look for platforms that support e-wallets, such as PayPal, Neteller, or Skrill, as these tend to provide the fastest payout processing times.
Reputation and Licensing: Prioritize licensed and regulated instant pay casinos to ensure fair play and reliable operations. Trusted regulatory bodies, such as the UK Gambling Commission or the Malta Gaming Authority, provide oversight and ensure that casinos adhere to industry standards.
Terms and Conditions: Carefully review the terms and conditions related to withdrawals, including any fees or limitations imposed by the casino. Some platforms may have minimum withdrawal amounts or impose charges for instant withdrawals, so it’s essential to be aware of these factors.
Customer Support: Opt for instant pay casino sites that offer responsive and reliable customer support. In case of any issues or questions regarding withdrawals, having access to efficient customer service can make a significant difference in resolving concerns promptly.
How to Deposit and Withdraw at Online Casinos
The process of depositing and withdrawing at Online Casinos may vary slightly depending on the specific casino and the payment methods available. However, we can provide you with a general overview of how these processes typically work. Here’s a step-by-step guide:
Depositing at an Online Casino:
Create an account: Sign up and create an account at your chosen online casino. You’ll typically need to provide some personal information and create login credentials.
Access the cashier/banking section: Once you’re logged in, find the cashier or banking section of the casino website. It’s usually located in a prominent place, such as the main menu.
Choose a deposit method: Select a deposit method that suits your preferences. Online casinos offer various options, including credit/debit cards, e-wallets (such as PayPal, Skrill, or Neteller), bank transfers, and prepaid cards. Make sure to check the available methods and any associated fees or limits.
Enter deposit amount: Specify the amount you wish to deposit into your casino account. Take note of any minimum or maximum limits imposed by the casino or payment provider.
Provide payment details: Depending on the chosen method, you’ll need to enter the required payment details. This may include credit card information, e-wallet account details, or bank account information. Follow the instructions provided by the casino and ensure the information is accurate.
Confirm and process the deposit: Review the transaction details and confirm the deposit. The casino will usually process the transaction instantly, and the deposited funds should be available in your account shortly.
Withdrawing from an Online Casino:
Go to the cashier/banking section: Access the cashier or banking section of the online casino, similar to the deposit process.
Select the withdrawal option: Look for the withdrawal or cash-out option. Online casinos typically have specific rules and requirements for withdrawals, so familiarize yourself with their policies. Pay attention to minimum withdrawal amounts and any potential fees.
Choose a withdrawal method: Select a withdrawal method that suits your needs. Often, casinos prefer to process withdrawals using the same method used for deposits. However, this may vary, so check the available options.
Enter withdrawal amount: Specify the amount you want to withdraw from your casino account, ensuring it is within the allowed limits.
Provide any necessary details: Depending on the chosen withdrawal method, you may need to provide additional information, such as your bank account details or e-wallet account information. Follow the instructions provided by the casino and ensure accuracy.
Confirm and process the withdrawal: Review the withdrawal details and confirm the transaction. Online casinos typically have a processing period during which they verify the withdrawal request. This timeframe can vary depending on the casino and payment method chosen. Once the withdrawal is approved, the funds will be transferred to your selected account.
Remember to review the terms and conditions, as well as any specific policies regarding deposits and withdrawals, for each online casino you use. Additionally, if you encounter any issues or have questions, it’s best to contact the casino’s customer support for assistance.
European Casino Sites have emerged as a game-changer in the online gambling industry, offering players fast, secure, and convenient withdrawal options. With their emphasis on swift payouts, these platforms enhance player satisfaction, trust, and overall gaming experience.
When choosing an instant pay casino, it is crucial to consider factors such as supported payment methods, licensing, terms and conditions, and customer support. By selecting a reputable platform that meets your preferences, you can enjoy seamless and rewarding online gambling, where your winnings are just a few clicks away.
Easy to use;
Can be funded via different options;
100% safe and sound;
Apps enable quick on-the-go payments.
Not all players are comfortable keeping their money online;
Some e-wallets incur fees.
Yes, you can. Visa and Mastercard are two top options to use at European Casino Sites. However, e-wallets are much more flexible, can be funded via said debit/credit cards, and are not related to banks like plastic.
Yes, you can. Online banking is fast for deposits and as safe as it gets. However, withdrawals are noticeably slower, which is a major negative point when compared to e-wallets.
There are dozens of options to choose from, but Neteller,Skrill, and PayPal seem to be the most popular. Availability varies per country, so you should check which e-wallets are available at yours.
Yes, they are. Most will need you to create an account, after which you can freely fund them with credit cards, other e-wallets, and online banking solutions too.
The best European Casino Sites won’t charge a cent on transactions. As for e-wallets, some may charge a small amount, but you have the freedom to pick ones that don’t.
Yes, you can. That’s why they’re so popular – they work both ways. Withdrawals are faster than, say, online banking, making them a perfect choice for most players.
Not all e-wallets will be eligible for bonuses. Neteller and Skrill are often on the excluded list of options, which means you can’t claim some casino bonuses by making a deposit with these e-wallets.
The top casinos will approve withdrawals in 0-24 hours. But, on average, you’ll have to wait for a few days to get your money.
|
finance
|
https://pdf2wordcn.info/211702128-personal-financial-planning-manual-2013-14-by-rsm-tenon.html
| 2019-02-21T06:36:44 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-09/segments/1550247500089.84/warc/CC-MAIN-20190221051342-20190221073342-00516.warc.gz
| 0.904191 | 184 |
CC-MAIN-2019-09
|
webtext-fineweb__CC-MAIN-2019-09__0__238836479
|
en
|
This comprehensively updated edition is an invaluable reference guide to creating coherent tax-efficient personal financial plans in the UK. Offering unrivaled personal financial expertise and know-how, this well-respected annual is an essential source of reference and advice to both professional advisers and individuals keen to exercise greater control over their financial affairs. The book is quick and easy to use. Complex UK tax rules and regulations are clearly explained, ensuring the reader can confidently create a tax-efficient financial plan no matter how experienced they are on this subject. Each section has a contents list for easy reference, a detailed introduction, and clearly presented 'boxed' tables for each product, enabling quick identification of the answers to financial planning queries. Whether dealing with investments, pensions, life assurance, mortgages, income tax, capital gains tax, inheritance tax, or family finances, this book will be the definitive guide to all aspects of UK financial planning.
|
finance
|
https://www.dakotacollege.edu/explore-dcb/farm-management-education-program
| 2024-02-29T15:08:38 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474843.87/warc/CC-MAIN-20240229134901-20240229164901-00785.warc.gz
| 0.946132 | 1,623 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__3457557
|
en
|
Farming and ranching is a way of life. Farm management is a business.
The Farm Management Education Program is a Career and Technical Education (CTE) program which provides a practical study of the farming business for families currently engaged in managing their farms or ranches. This course provides training in computerized record keeping programs which will in return help the farm family organize an accurate record keeping system. Enrollees will learn to analyze their records and determine the financial strengths and weaknesses of their farm business as well as each of their farm enterprises. Content deals with the farmer’s own financial information, which remains confidential. Farmers and ranchers will learn how to prepare financial statements and use them in day-to-day management. All analyses and income statements will be completed on an accrual basis.
You may enroll in this program at any time. You’ll work one-on-one with your instructor for a personalized learning experience tailored to your farm or ranch.
Our mission: To provide lifelong learning opportunities in economic and financial management for families and individuals involved in the farming and ranching business.
Benefits of the program
- Set up and maintain an accurate farm record-keeping system
- Prepare a balance sheet and cash flow projections
- Prepare financial statements for use with lenders and tax preparers
- A long-term computerized record of the performance of the all the aspects of your farm or ranch: types of crops, yields, livestock, sales, profits/losses, expenses, etc.
- Ability to compare year-to-year performance
- Ability to compare your performance to other farms using regional data
- Understanding the strengths and weaknesses of your farming operation
- Ability to adjust your farm’s business strategy based on solid data
Farmers and ranchers need to make a lot of decisions about crops, livestock, budgets, and expenditures. The Farm Management Education Program teaches you how to gather data and develop the skills you need to make those decisions with confidence. Don’t just farm your farm. Manage it to maximize profitability and make the most of your farm’s potential.
A student must be actively engaged in farming or a beginning farmer to enroll. All types of farms are eligible. Students may enroll in up to two semesters per year. The course is repeatable. Throughout the course, students will be using their own farm’s financial information, which will remain confidential. The information will be used anonymously in local, regional and state databases.
Frequently Asked Questions
How do I enroll?
Enrollment in the program involves registering for a class with a one-on-one instructor at Dakota College at Bottineau. Contact an instructor from your area and they will guide you through the process of filling out a few simple forms.
What will it cost me to enroll?
The tuition is currently $374.08/semester or a total of $748.16 per year.
I don’t want my financial information made public. Should I be concerned?
There is no need for concern in sharing information. All information and data collected is completely confidential. We will establish a relationship with your lender so information can be shared. Your analysis will be submitted for the purpose of publishing state and regional averages but will only be used as part of a group average.
Is there assistance available for paying tuition?
We have a limited number of grants/scholarships that are distributed where there is a genuine need.
Isn’t the farm management program for beginning farmers/ranchers and those with financial difficulties?
Our program has great value to all ages and situations. We have students from ages 18 to 70 and from 1st year farms to well-established operations. It is all about understanding your farm’s financial situation and performance and to help you make better decisions.
Are group classes held?
Regular group classes are not held but there may be special group presentations from time to time which are optional to attend.
What is the time commitment that is required of me?
The time you put into the program will determine how much you get out of it. At a minimum you will be expected to keep a complete set of financial and production records suitable to complete a whole farm analysis. Three to five visits a year are typical but new students may meet monthly. Long-term students may meet less often. Each student’s needs are different.
Do I need to be proficient with computers?
You do not need to be proficient with a computer to take the course. Although learning to use a computerized accounting program is the most common task for first-year students and will ultimately prove to be a time saver it is not a requirement. Our instructors can guide you through the process of learning a new computer program. We have many valuable and time-saving tools and spreadsheets that farmers come to rely on so we do encourage learning how to use them.
I already use a computerized accounting program. Will I have to switch?
You will not need to switch accounting systems. Although each instructor has their preferred accounting program it is your choice. We will make recommendations if you are choosing a program or looking to switch. We can do a better job of answering questions and solving problems if we are familiar with the program. The only requirement is that you have accurate, reliable numbers to work with at the end of the year.
Here’s what farmers are saying about the benefits of this program
“I appreciate the Farm Management Education Program. I like looking at how my numbers are trending from previous years. The program gives me the opportunity to go over my year end numbers on an accrual basis and to see how my numbers stack up to other farmers in the area.”
Bryan A., Bowbells, ND
“I am a beginning farmer/rancher that got involved with the Farm Management Education Program after receiving an FSA loan. This program has been so beneficial to me, I am able to provide my bank and other financial institutions with documentation of whatever means of my operation they need whether it’s financially, herd amounts, or previous years history. Lynsey is great at her job and goes up and beyond the call of duty to help make things easier for us whether it’s planning to buy land, creating cash flows for the bank, or figuring out any problems you may have with easy farm – she guides you through every step. I have benefited in many ways and I know that I would not have the records I have for my business without this class.”
Costas K., Plaza, ND
“Our family has been in the Farm Management Education Program in Bottineau since the first year it started, and it has always been an important part of our farm. From budgeting to the year-end analysis they have been an invaluable partner to the success of our farming operation. They are also a valuable resource for benchmark analysis so we can compare our financials to other farmers in our area to see what we are doing well and where improvements can be made.”
Ben T., Bottineau, ND
“The Farm Management Education Program shares its benefits not only with the producer but with their Ag lender. I myself can attest to how much quicker and easier my job is made when I have customers that work with this program. The packet that is derived allows me to accurately and efficiently originate my presentation to my lending committee in a timely matter. This in turn allows me to get an answer to the customer sooner and gives them peace of mind that they know that everything they give to the lender is correct. By knowing that my customer has a better grasp on their financial scope, I gain a peace of mind that they fully understand their situation from both my eyes and theirs.”
Jacob Fannik, Ag Lending Officer, First Western Bank & Trust, Minot
For more information contact
|
finance
|
http://www.macqueeninsurancegroup.com/quote/
| 2021-06-14T22:31:44 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-25/segments/1623487613453.9/warc/CC-MAIN-20210614201339-20210614231339-00487.warc.gz
| 0.89946 | 120 |
CC-MAIN-2021-25
|
webtext-fineweb__CC-MAIN-2021-25__0__93658930
|
en
|
If you are in need of a personal home and auto insurance quote, please follow the links below to get started! After you complete the form, your information will be sent securely to our quoting department for processing.
• For a homeowners insurance quote, please click here.
• For an automotive insurance quote, please click here.
After the quote is processed, a MacQueen Insurance Group representative will reach out and review the coverage with you.
If you are in need of an individual dental quote, please click here.
To request more information about the special mortgage program, please click here.
|
finance
|
http://www.moonshinanc.com/request-a-quote
| 2017-12-13T20:37:18 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-51/segments/1512948530841.24/warc/CC-MAIN-20171213201654-20171213221654-00361.warc.gz
| 0.94442 | 127 |
CC-MAIN-2017-51
|
webtext-fineweb__CC-MAIN-2017-51__0__196267441
|
en
|
Here at Moon-Shina Insurance Solutions, we work with each of our clients to look at all available Medicare plan options that best suit their individual requirements. Choosing a Medicare Plan is one of the more important decisions that you will make in your lifetime. For all of our Medicare eligible clients, we meet with you one on one. Our consultative services are at no cost to you. We are paid directly by the insurance companies when you enroll in their plan.
Please call us at: 336-904-2910 to get your Medicare consultation started or fill out the form below and one of our representatives will contact you.
|
finance
|
https://shop.tellows.de/en/payment-methods
| 2024-04-19T09:44:04 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817382.50/warc/CC-MAIN-20240419074959-20240419104959-00039.warc.gz
| 0.914038 | 436 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__13812403
|
en
|
Payment methods We offer the following payment methods. Simply choose the payment method that best suits you:
PayPalWith PayPal you can pay easily, quickly and securely at tellows.de. Easy: Pay with only 2 clicks, without entering bank or credit card data. Fast: tellows.de receives the payment confirmation from PayPal usually within a few seconds. Secure: Your bank and credit card details will not be disclosed to third parties.
To pay via PayPal at tellows.de, simply select PayPal as the payment method in our order process. Afterwards, log in to your personal PayPal account with your e-mail address and your PayPal password and confirm the payment amount. tellows.de usually receives the payment confirmation from PayPal immediately and your order can be processed immediately.
Please note: After receiving the PayPal payment confirmation tellows.de can also ship your order! Depending on the method of payment in your personal PayPal account, it may take a few working days until PayPal confirms receipt of payment. If PayPal cannot confirm receipt of payment after 9 days, the customer order will be automatically cancelled by PayPal.
By the way, paying with PayPal is always free of charge for you!
Still no personal PayPal account available? Then register your bank account on www.paypal.de within a few clicks. The registration at PayPal takes only a few seconds, because you only have to enter your e-mail address, your address and your bank account details. From now on you can shop on the Internet safely and free of charge without giving your bank details to third parties.
Prepayment / Bank transfer
Please transfer the total amount of your order to our account:
Bank InformationAccount owner: tellows UG
Bank number: 86040000
Bank name: Commerzbank Leipzig
|
finance
|
https://newportarcity.org/renewport-grant-awarded-to-247-llc/
| 2021-03-08T21:35:30 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-10/segments/1614178385529.97/warc/CC-MAIN-20210308205020-20210308235020-00041.warc.gz
| 0.968492 | 211 |
CC-MAIN-2021-10
|
webtext-fineweb__CC-MAIN-2021-10__0__1203036
|
en
|
247, LLC has open a new Laundromat at 2505 Highway 367 North in Newport. They applied for and received a ReNewport Grant from the Newport Economic Development Commission (NEDC). ReNewport Grants were developed by the NEDC to improve the overall appearance of the community by assisting businesses in making exterior renovations to their facilities, thus making Newport more attractive to residents, visitors and new businesses considering Newport as a place to locate. The grants are a 50/50 matching grant with a cap of $2,500 in grant funding. The grants can be used for painting, landscaping, signage and other approved exterior improvements. The NEDC sets aside $35,000 of it’s budget each year for the popular program and local businesses are invited to obtain an application through the NEDC office. Grants will be awarded as they are submitted until the funds for the year have been spent. The Newport Economic Development Commission congratulates 247, LLC on their grant and on the improvements that they have made to their facility.
|
finance
|
https://anywheregk.in/list-of-union-government-schemes-in-india/?v=e5477cbee260
| 2023-09-28T02:14:33 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510334.9/warc/CC-MAIN-20230927235044-20230928025044-00526.warc.gz
| 0.897379 | 962 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__308340261
|
en
|
Important for all SSC, RRB, RRC, PSU, Banks, UGC NET, MBA, State government exams, AFCAT, NIFT, CLAT, etc.
Objectives of the Union Government Schemes in India
There are several different schemes launched by the different Ministries of the Union Government. Each scheme has its own set of objectives. But the main objective of these schemes is to provide social, financial and economic welfare to the citizens of India. The general objectives of the social-economic and financial schemes are –
- Provide social security measures such as pensions, insurance, maternity benefits, housing etc.
- To improve the quality of the life of the people.
- Upliftment of the poor.
- Development of rural and backward areas.
- Reducing the economic inequality between different sections of society.
- Empower women for their better participation in society.
- To provide employment opportunities.
- To provide education and training to the weaker sections of the society.
- To provide financial security to the vulnerable sections of society.
- To provide financial assistance to women, small businesses and weaker sections of society.
List of Union Government Schemes for Individuals and Businesses
There are different schemes launched by the Union Government of India. Some schemes aim at providing socioeconomic benefits to the individuals. Some schemes aim at providing financial assistance to the businesses. The list of prominent schemes launched by the Union Government is as follows –
- Atal Pension Yojana
- Unnat Jeevan by Affordable LEDs and Appliances for All (UJALA)
- Ayushman Bharat Yojana
- Grameen Kaushalya Yojana or DDU-GKY
- Pradhan Mantri Gramin Awaas Yojana
- Pradhan Mantri Matritva Vandana Yojana
- Deen Dayal Upadhyaya Antyodaya Yojana
- Pradhan Mantri Adarsh Gram Yojana
- Pradhan Mantri Kaushal Vikas Yojna
- Pradhan Mantri Suraksha Bima Yojana
- Pradhan Mantri Jeevan Jyoti Bima Yojana
- Pradhan Mantri Jan Dhan Yojana
- Rashtriya Krishi Vikas Yojana
- Pradhan Mantri Awas Yojana
- Antyodaya Anna Yojana
- Pradhan Mantri Ujjwala Yojana
- Swamitva Yojana
- ASPIRE Scheme
- Atal Innovation Mission
- Credit Guarantee Scheme for Startups (CGSS)
- Midday Meal Scheme
- Multiplier Grants Scheme
- Skill India Mission
- Startup India
Benefits of Union Government Schemes for Individuals
There are many schemes launched by different Ministries of the Union Government for the benefit of the citizens of India. The schemes for individuals mainly focus on the vulnerable sections of the society such as rural and urban poor households, women, SC and ST, senior citizens, domestic workers etc. Each scheme concentrates on providing different socio-economic or financial welfare to the people.
The government schemes are beneficial to individuals for obtaining training and employment opportunities. Some schemes help in availing loans at a minimum rate of interest, opening a bank account for individuals, availing financial assistance to meet expenses of an individual, obtaining insurance and enrolling for pension by paying a minimum amount.
Some of the schemes concentrate on development and empowerment of woman. It provides financial assistance to the woman for starting their own business. There are schemes which provide basic education to the woman, maternity benefits and rehabilitation facilities.
Some schemes for the individuals concentrate on providing basic necessities to the individuals such as LED lights, drinking water, distribution of food grains, housing, clean environment etc.
Benefits of Union Government Schemes for Businesses
The Union Government has launched many schemes specifically to help the businesses in India. These schemes allow for ease of business and in turn, strengthen the economy. The schemes launched for businesses helps them by providing financial assistance and technical assistance for their growth.
Many schemes for businesses provide benefits for obtaining loans at subsidised rates, obtaining credit guarantee on loans, subsidy for technological upgradation, support through venture capital etc.
Many recent schemes promote starting own businesses on a small scale basis by providing entrepreneurial and training facilities, building manufacturing infrastructure, incentives for women and economically backward sections to start their own business, a digital platform for accessing global markets and digital documentation etc.
Download Coupons, Free Knowledge Library, Free ATS CV & Lessons
|
finance
|
https://www.espanabreaks.com/guides/canary-islands/money-tips-travellers-canary-islands
| 2016-05-06T22:36:09 |
s3://commoncrawl/crawl-data/CC-MAIN-2016-18/segments/1461864121714.34/warc/CC-MAIN-20160428172201-00041-ip-10-239-7-51.ec2.internal.warc.gz
| 0.944215 | 475 |
CC-MAIN-2016-18
|
webtext-fineweb__CC-MAIN-2016-18__0__134722414
|
en
|
Money tips for travellers to the Canary Islands
Together with the rest of Spain and continental Europe, the Canaries successfully converted from the Spanish Peseta to the Euro (€) on 1st January 2002. €1 was equivalent to about 166 Pesetas.
The new currency has been good news for travellers, especially those in the Euro Zone. British holidaymakers also find it an easier currency to convert and use.
The Canary Islands are part of Spain and the European Union but outside for the purposes of taxation. This means no VAT (or IVA) is charged on goods in the Canaries and you will find that alcohol, cigarettes and fuel are noticeably cheaper.
Remember that, unlike mainland Europe, there are limits on the duty-free goods you can return to UK.
General advice for UK holidaymakers
It's easy to lose your head when using an unfamiliar currency. Stay savvy by remembering the following:
- NEVER hand over cash without fully understanding the price. Most shops have cash machines with an electronic display. ALWAYS check your change.
- It is far cheaper to buy sun lotion, alcohol, cigarettes and food in local shops and supermarkets. Avoid high prices in tourist centres and the airport.
- Visa and Mastercard are widely accepted in shops, restaurants and cash machines. Shops will ask for identification with card purchases - keep your passport handy!
- For your personal safety, never carry more cash than you really need.
- Avoid cheap electronics - it is NOT cheaper to buy these locally, especially in tacky tourist shops (that have been the source of many scams).
- The Spanish use decimal points and commas in the opposite way to the UK format. Points denote thousands, commas denote a decimal point e.g. £9,999.99 would be written 9.999,00€
Tips and Gratuities
Although the locals rarely tip, it is still accepted courtesy to tip for good service. In restaurants, 10% is considered normal where service is not included. In cafés and bars, leave a little small change. For porters, chambermaids and tour guides, €1 - €2 is common. 10% is also normal in taxis.
Remember that tipping is optional; if service is poor, don't be afraid to make your feelings known by leaving nothing.
|
finance
|
https://www.fnbmichigan.com/
| 2016-12-06T19:47:11 |
s3://commoncrawl/crawl-data/CC-MAIN-2016-50/segments/1480698541995.74/warc/CC-MAIN-20161202170901-00029-ip-10-31-129-80.ec2.internal.warc.gz
| 0.911856 | 699 |
CC-MAIN-2016-50
|
webtext-fineweb__CC-MAIN-2016-50__0__173593020
|
en
|
One local bank considers
banking a family matter.
We Consider Your Business Ours
First National Bank of Michigan offers the full complement of retail banking services, home mortgages and personal loans, with a special emphasis on commercial banking. We consider your business ours because commercial banking has been our top priority since opening our doors in 2006. No matter your challenges or concerns, we will always make the time to understand them, guiding you through the borrowing process and beyond. Why? Because West Michigan is our home, and we want to see your business grow for your success and the continued success of West Michigan in the years ahead.
Your Community is Our Community
First National Bank of Michigan is a community bank. That means instead of relying on an affiliation with a multi-bank holding company, we derive our funds from and lend to the community where we operate--West Michigan. Here you’ll find our branches, our offices and our people. Because we are local and locally owned, decisions are also made by professionals you can talk to face-to-face. First National Bank of Michigan’s commitment to delivering unmatched customer service, combined with our longstanding investment in the community, is why you’ll always receive the personalized attention you deserve when you bank with us.
Whether you’re someone who prefers taking advantage of the latest technology or you’re committed to traditional, face-to-face banking, First National Bank of Michigan is here to help you (and your business) thrive. We offer a complete line of commercial treasury management services, along with our rising rate certificates of deposit which allow you to watch your money grow without the worry of long-term commitment. For our on-the-go customers, First National Bank of Michigan also has online and mobile banking services.
A Decade of Caring for Your Community
The year 2016 marks our 10-year anniversary serving West Michigan, and we want to celebrate with you and the community. To honor our anniversary and continue giving back to the place we call home, our employees selected 10 local non-profits to support throughout 2016 in Kalamazoo, Portage and Grand Rapids.
The First National Bank of Michigan mobile banking app enables you to bank from the comfort of your home or on the go. With your smartphone or tablet, you can check balances, make deposits and transfers, pay bills and more. Our business customers can also take advantage of sending ACHs while away from the office.
E-Statements: Secure, Timely and Eco-Friendly!
It's easy to enroll and only takes a couple of minutes!
Get to Know Your BankView All Staff
Senior Executive and Board ChairmanPhone: 269.488.8853 Email John M.
Chief Executive OfficerPhone: 269.488.8854 Email Larry
PresidentPhone: 269.488.8884 Phone: 616.242.8349 Email Daniel
Market President, Grand Rapids and Senior LenderPhone: 616.242.8374 Email Jefra
News and Events
- News News, Thu, Oct 13, 2016
- News News, Mon, Aug 29, 2016
- News News, Mon, Aug 22, 2016
- News News, Thu, Jun 9, 2016
- News News, Fri, May 27, 2016 - Sat, Dec 31, 2016
- News News, Mon, Feb 22, 2016 - Sat, Dec 31, 2016
|
finance
|
https://mfcatalysts.com/blog/whats-at-stake-between-ryanair-and-travel-agencies/
| 2024-02-21T19:14:26 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473524.88/warc/CC-MAIN-20240221170215-20240221200215-00884.warc.gz
| 0.963898 | 596 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__142861948
|
en
|
The debate between Ryanair and the Travel agencies is not simply a mean to achieve media coverage, but a ferocious fight to preserve the feasibility of a business model, which requires selling directly to the public.
From August 25, Ryanair will only accept bookings made directly via their own website, rejecting all the reservations made by travel agencies.
Legal considerations aside, this decision, aired by the airline with its usual rude verbosity (it described travel agencies as “sector parasites” and “dead wood”) has triggered considerable debate involving consumer associations and Public Administration, even though the latter do not seem to be in a hurry to take a stand.
Travel agencies say that many customers do not feel comfortable shopping online, and thus are happy to pay for the services provided by the agencies.
What’s this not about?
This is not a debate among online companies, since half of the sales made by accessing Ryanair’s website are made by travel agencies that also use other trading channels.
It is also nothing new that a third party without prior agreement sells one company’s products, such as, for example, Hacendado tissues at petrol stations..
Then, travel agencies do not demand any margin or commission fee (which they did with Iberia and Spanair), as they find it completely normal to charge a fee for their services.
And some may even think that this is all too much hassle about nothing, as sales made by travel agencies do not even reach 1% of Ryanair’s overall turnover.
So, what’s all the fuss about then?
This is basically guerrilla warfare between companies based on virtually identical business models, based on three key issues:
First, they all sell comprehensive travel solutions including flight, accommodation, car rental, insurance products, etc.
Second, they all follow Lebowitz’ theory (the benefits of online presence): the more customers a company has, the more benefits each customer can enjoy —this is what Movistar states. The company that attracts many customers (for example, offering cheap flights) can redirect their customers to other companies that are willing to pay commission fees or bonuses for induced sales. Thus, all extra income is essential for the financial feasibility of any such company. And what travel agencies are precisely doing is to jeopardize Ryanair’s said key extra income!
And thirdly, they need to sell directly to the public. That is, by selling tickets via travel agencies, Ryanair loses customer knowledge and decreases their “sell-ability”.
However, the airline is at a disadvantage: their website does not sell competitors’ flights. Therefore, the options they offer are limited, even if they include hotels, insurance products, etc.
This business models requires large volumes and thirsts to become the leading reference. This is precisely what is at stake here.
19 August 2008
|
finance
|
https://images.bizbuysell.com/learning-center/article/the-truth-about-buying-a-business-with-bad-credit
| 2020-06-03T02:43:48 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-24/segments/1590347428990.62/warc/CC-MAIN-20200603015534-20200603045534-00541.warc.gz
| 0.97851 | 1,151 |
CC-MAIN-2020-24
|
webtext-fineweb__CC-MAIN-2020-24__0__161467682
|
en
|
The Truth About Buying a Business With Bad Credit
Buying a business can be an exciting prospect. Someone else has already laid the groundwork, with a built-in and proven operation, including products and/or services, customers and established cash flow. It offers many benefits and opportunities.
Buying a business can also be risky – especially if you don’t look closely at what you’re actually buying. In other words, without careful and thorough due diligence, you could run into some serious problems. Levi King, co-founder of Nav, learned this lesson as a young entrepreneur who owned a commercial sign repair company in Idaho.
Less than a year after starting his business, King was doing so well that he decided to expand his services to include manufacturing. Then, a competing sign company listed for sale caught his attention. Not only did it have the assets he needed, it had been in business for 52 years. With its longevity and solid reputation, it seemed like a sure bet. He promptly bought the company’s equipment (not the entity itself) and began operating out of its location.
Shortly thereafter, King’s sign company was offered an opportunity to bid on a big job by a car dealership. It was a golden opportunity. He’d worked with them before on repair projects, but this was a $200,000 contract to build brand-new signs. Confident that his competitive price gave him an advantage, King submitted his bid.
His bid was turned down and the car dealership went with a large national business instead. Disappointed, King asked his contact at the dealership why they turned down his bid. What he learned shocked him. Apparently, the company that won the job included a copy of King’s business credit report along with their bid — which revealed negative information about his company.
King learned that somehow credit information from the company he recently purchased equipment from had gotten mixed in with his own business credit profile. The company that was awarded the job used this information against him, convincing the car dealership that King was an inexperienced kid with a shoddy credit record.
As you can imagine, King saw this as a huge wakeup call about the crucial role that credit plays in growing a successful business, as well as the need to stay vigilant for errors creeping into credit reports. He disputed the mistakes with Dun & Bradstreet and eventually separated his business’s credit from that of the business he’d purchased equipment from. Yet, it didn’t ease the pain from losing the lucrative contract.
What are business credit reports and who compiles them?
Your personal credit score tells potential lenders what kind of risk to expect if they extend you credit or financing. Low scores mean you’re high risk; higher scores mean there’s a reasonable chance that you’ll repay them promptly and in full.
A business credit score works in a similar way. A business with a record of paying its bills on time is a likelier candidate for financing, trade credit, and, in some cases, large contracts than a business that’s struggled to keep its head above water.
Business credit reports are compiled by each of the three major business credit reporting agencies: Dun & Bradstreet, Equifax, and Experian. (Other business credit reporting agencies exist, but it makes sense to focus first on the main players.)
These reporting agencies each have their own unique ways of collecting and reporting payment information. They all collect information from a variety of sources, such as banks, business credit card issuers, vendors, etc., though the exact companies they work with will often vary. As a result, business credit reports may vary widely from one credit bureau to another.
How to Check a Business’s Credit Score
When you buy a business, you commit to taking on its assets and liabilities, including problems you might not be aware of, such as unpaid bills that are being reported to the business credit reporting agencies. For this reason, you’ll want to take a close look at a business’s credit report before committing to purchasing it.
One option is to go directly to the credit reporting agencies. For example:
- Experian’s Business Credit Advantage offers instant access to Experian business credit reports and scores, and you can check up to 30 business’s credit scores per month with a paid Business CreditScore Pro plan.
- You can purchase reports from Dun & Bradstreet via their Credit Evaluator Plus service.
- You can check a company’s Equifax report for by purchasing one or more reports through Equifax.
Another option is a paid account with Nav, through which you can get detailed reports on your own business and check the business credit of up to five other businesses. You’ll get monthly updates to commercial reports from Equifax, Experian and Dun & Bradstreet.
It’s important that you check multiple bureaus, because their data may be different. Acquiring a bird’s eye view of a company’s credit history will give you confidence moving forward with your purchase.
Furthermore, once you’ve acquired another business or its assets, you’ll want to check credit on a regular basis. As King experienced, the credit of the business you acquire may become part of your own business credit report. Or, the credit files of unrelated businesses can get mixed up. Other mistakes— even fraud— can occur.
Just as you work hard to build, maintain and monitor your business reputation, you want to build, maintain and monitor your business credit reputation as well.
|
finance
|
https://de.sycomore-am.com/Unser-Magazin/2017/06/376-SYCOMORE-ECO-SOLUTIONS-IRRIGATING-THE-FERTILE-GROUND-OF-ENVIRONMENTAL-TRANSITION?sid=3tjitpkjih29sefcadmjeejhgt
| 2022-06-27T12:29:24 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103331729.20/warc/CC-MAIN-20220627103810-20220627133810-00409.warc.gz
| 0.934964 | 1,702 |
CC-MAIN-2022-27
|
webtext-fineweb__CC-MAIN-2022-27__0__120258542
|
en
|
The objective we set ourselves when Sycomore Eco Solutions was launched in 2015 was to combine sustainable financial performance and positive environmental impact – a fund managed with conviction and with no concessions made, either in terms of impact or returns. As the first fund to receive the government’s Transition Energétique et Ecologique pour le Climat label, Sycomore Eco Solutions rose to the challenge and now offers both impact and performance.
A KEY CHALLENGE FOR THE 21ST CENTURY
The facts are simple: our human societies and companies cannot live “off-ground”, without a stable environment that provides natural - or ecosystem-based services to quote the specialists: healthy air, access to water, a stable climate, fertile soils, renewed natural resources…
According to the WHO, 23% of global mortality is related to environmental degradation. This represents 12.6 million people every year.
And yet, since the end of the 20th century, human civilisation has exceeded the physical limits that the biosphere is able to absorb: every year, we consume more natural capital than the planet can regenerate, as the work carried out by WWF and the Global Footprint Network demonstrates.
THE ENERGY AND ENVIRONMENTAL TRANSITION HAS BEGUN
But there is also some good news to report. The first is that the environmental transition is on the move: consumers did not wait for the Grenelle Environmental Summit to request healthier and more eco-friendly foods; car manufacturers did not sit waiting for the carbon tax to sell hybrid or electric cars; and energy players had started developing renewable energy production capacity throughout the world long before COP 21…to the extent that since 2015, these newly installed capacities are exceeding those produced by fossil and nuclear power plants.
''Additional renewable energy capacity installed globally, in GW and in percentage.
Source: AIE, Perspectives 2016''
The second encouraging piece of news is that the companies implementing and contributing to the growth of these solutions exist in great number throughout the world, and particularly in Europe. Many are listed on the stock market, of differing market capitalisation sizes. Finally, while some industries have a much larger impact – such as transport, energy, agri-food or construction – unlike media or healthcare for example, no sector is immune from the energy and environmental transition.
AND IT IS OPEN TO ALL FOR INVESTMENT
The Sycomore Eco Solutions fund was created to allow all money savers (PEA eligible fund) and investors to gain exposure to the companies behind these solutions. The third positive piece of news is that the power to act for our future needn’t rely simply on consumers buying differently, on companies reviewing their strategy, on governments shifting their regulatory frameworks in favour of natural capital, or on local communities supporting green innovations: finance, used with a sense of purpose, can also constitute an eco-solution.
To guarantee that the fund confines its investments to the field of eco-solutions, Sycomore AM has built a specific research methodology which measures the extent to which companies’ activities are aligned with the Energy and Environmental Transition: the intensity of their Contribution to the Energy and Environmental Transition (CEET), expressed as a percentage of turnover.
Companies offering a fully aligned response to the issues of environmental transition and the fight against climate change will see their ‘green intensity’ indicator move closer towards 100%: organic foods, plant-based products, renewable energy management, building insulation, public transport, cycling and recycling. If a business displays a neutral net environmental impact, i.e. similar to the average solutions available on the market, its CEET will be 0%. Finally, if a company destroys natural capital, for instance a coal fuelled electric power plant or a company specialised in pesticides, the more it destroys, the closer it will get to -100%.
This indicator measures the net environmental impact of a company expressed as a percentage of its turnover. It ranges from -100% for a business that has a particularly destructive impact on natural capital, to +100% for a company that generates maximal positive impacts and clearly address environmental and climate-related issues.
Only the companies with satisfactory ratings in terms of extra-financial performance – Environment, Social, Governance (ESG) – and displaying a CEET above 10% are eligible for inclusion in the portfolio of Sycomore Eco Solutions.
Since inception, the fund has posted an average CEET of around 50% (1) and an average ESG rating of 3.4 (1) out of 5. Within this universe, the portfolio managers focus on approximately 50 companies they believe offer the most attractive upside potential. Finally, they map out impacts against five complementary areas relating to the transition: energy, mobility, construction, ecosystems and the circular economy.
PLAYERS SPECIALISED IN DYNAMIC MARKETS AND ALIGNED WITH CURRENT AND FUTURE TRENDS
The search for businesses aligned with the environmental transition and the rejection of companies that are indifferent or hostile to this trend has two consequences. On the one hand, it steers the portfolio away from companies that are going “against the flow” and facing the headwinds caused by the transition - businesses that are more likely to be involved in controversies, boycotts or environmental scandals and which are ultimately heading towards the cemetery of obsolescence. On the other hand, it focuses on players active in dynamic markets and poised to gain from being aligned with current and future trends - regulatory and fiscal, but also societal and civic. These companies are supported by tailwinds and their positive missions, inspiring and purposeful, sustain the energy of their employees. Ultimately, this means more opportunities and an improved ability to seize them, as demonstrated by the stock market performances of organic food company Wessanen, of Sif Holding NV, which manufactures monopiles for off-shore wind farms, Leinzig, the wood fibre textile manufacturer TencelTM, recycling company Umicore or Plastic Omnium, the automotive components company.
1 in 4 portfolio companies has already been involved in major corporate action - large-scale acquisition, IPO, capital increase or public takeover bid.
AN INNOVATIVE STRATEGY DELIVERING TANGIBLE RESULTS
The fund’s investment universe principally includes European stocks (all market capitalisations) with a potential diversification outside of Europe. No sector is excluded a priori; however, in practice, the strategy is heavily exposed to industries that have a strong focus on eco-solutions, notably industry, consumer goods and utilities.
With over 20 months track record, the fund has delivered on its promise: Sycomore Eco Solutions combines financial performance and positive environmental impact. At the end of April 2017, the fund posted a gain of +23.7% (2) since inception, while its benchmark, the MSCI Europe NR (3) was up +11.4%. On a year-to-date basis, the fund is up +13.5% (2) versus +7.7% for the MSCI Europe NR (3).
(1) Data as of 28/04/2017. Average CEET of the Sycomore Eco Solutions portfolio: 47%.
(2) I share. Data as of 28/04/2017. Inception: 31/08/2015.
(3) NR: Dividends reinvested.
Fund’s risk/return profile
Past performances are not a guarantee of future performances. he value of investments can fall as well as rise. There is no guarantee that these investment strategies will work under all market conditions or are suitable for all investors, and investors could bear capital losses. The performance of the fund can be explained partially by ESG indicators of the companies appearing in the portfolio, but these last ones are not the only factors determining the evolution of this performance. This communication has not been prepared in accordance with regulations to promote the independence of financial analysis. SYCOMORE Asset Management or management companies involved with the preparation of this document are not subject to the ban on conducting transactions on the instruments mentioned by the publication of this communication. Prior to investing, please read carefully the key investor information document available on our website : www.sycomore-am.com.
|
finance
|
https://dolvi.de/ratgeber/unkategorisiert/dental-implant-price-comparison-how-to-save-unnecessary-costs/
| 2023-09-22T11:39:58 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506399.24/warc/CC-MAIN-20230922102329-20230922132329-00210.warc.gz
| 0.944372 | 1,585 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__144339706
|
en
|
If you want a dental implant, you have to pay prices in the upper range – so the common opinion. But do implants really have to be so much more expensive than other dentures, or even unaffordable? Or is it also worth comparing prices for dental implants?
In this article we will show you what dental implants cost, how there are differences and how you can find the cheapest provider with dolvi.
What do dental implants cost?
Even if you would certainly like to hear a specific number here: It is not possible to put a flat figure on the costs for a dental implant. Because the price of a dental implant depends on many different factors.
You have not yet received a treatment and cost plan from the dentist, but would like to be able to estimate the costs in advance? Then please use our cost calculator. In just a few steps, he will lead you to a well-founded initial assessment.
Dental implants: What costs does health insurance cover?
The health insurance only pays the usual fixed subsidy, even for implants. This is based on the standard care for the corresponding medical indication. If there are only a few missing teeth, this is usually a bridge, and if there are many missing teeth, a form of prosthesis.
Private health insurers and supplementary dental insurance often pay more, but it depends on the exact tariff. If in doubt, ask your insurer.
Dental implants: high costs in any case?
There is a stubborn assumption that implants are much more expensive compared to the alternatives and are therefore reserved for people with a high budget. However, the costs can vary greatly. Therefore, do not immediately rule out dental implants without comparing prices.
How do different prices arise for dental implants?
Various factors are responsible for the price differences in dental implants. Some of them you have control over, others less so.
We will show you which factors you can pay attention to if you want to avoid unnecessary costs for dental implants. Because these have a significant influence on the price of your dental implant.
In fact, the region you live in makes a difference – even within Germany. In general, the costs for dentures in eastern Germany are lower than in western Germany, and higher in large cities than in rural areas. There is also a clear price difference from south to north.
However, the prices in your region are not set in stone. Because even within a region there can be enormous price differences.
Material and type of implant
Implants are usually made of very high-quality materials. After all, the implant should grow into your jaw during the placement process and ideally remain there until the end of your life.
The standard material is titanium for all non-visible parts and ceramic for all visible parts. However, an implant can also consist of zirconium and is then significantly more expensive.
The structure of the implant also makes a difference. Different types have different costs.
The jaw region in which the implants are located also shows an effect in the price comparison. Incisor implants and implants in the upper jaw are more expensive than those in the molar area and in the lower jaw.
Size of the gap
Sometimes we need more than a single dental implant. This is particularly evident in the price comparison. Because if several teeth are missing, more than one implant is usually necessary.
There are different types of construction:
- replacing each missing tooth with an implant,
- Placing implants at the end of rows of teeth and hanging a bridge on them,
- Placement of implants as pillars for a Locator prosthesis in the case of complete edentulism.
Therefore, the larger the gap and the more individual implants it has to be filled with, the higher the costs for the restoration.
Especially if a tooth gap has existed for a long time, as well as with age, the bone in the jaw has often already receded. Then it has to be thickened again to provide the implant with support. One speaks here of a bone structure.
Bone augmentation has a significant impact on the price of dental implants because it involves another surgical procedure.
Price calculation of the practice
Ultimately, the practice’s pricing also has an impact on the costs for new implants. While some practices are committed to fair and transparent pricing, other practices try to earn as much money as possible from self-pay services. This is precisely why it is worth comparing prices for dental implants.
How much do dental implants cost abroad and is it worth it?
Dental implants from Poland, Hungary or Turkey usually seem to be very cheap in comparison. While that may be true, and the offers on the provider’s website often look very good, you should consider that placing an implant is a surgical procedure that requires good communication between doctor and patient and an experienced practitioner.
Any language barriers and the lack of opportunities to check the quality of foreign offers make good treatment difficult here.
In addition, implants cannot be placed in one visit to the dentist. You have to visit the therapist repeatedly over a longer period of time. We therefore advise against having implants placed abroad.
Price comparison of implants: what does Stiftung Warentest say?
Stiftung Warentest sent test patients with dental problems to 15 German dentists. The frightening finding: The treatment suggestions exceeded the appropriate price by up to 90 percent – in some cases almost 10,000 euros too much were asked of the patient.
Stiftung Warentest comments on the quality of the suggestions: „Only two of the treatment plans are reasonably okay, all the others are bad.“ In addition, the proposed treatments would carry „unnecessary risks“. (Source: Stiftung Warentest 10/2015, p. 86-91: „Get up a gear“)
Dental implants: easy price comparison with dolvi
Wouldn’t you like to be one of those patients who dig deep into their pockets or even have to do without implants because of such excessive cost estimates? Then test the dolvi service now. We make comparing the price of your dental implants child’s play!
This is how the price comparison for dental implants works with dolvi
If you would like to compare the price of your new dental implant, simply follow the steps below:
- If you do not yet have a treatment and cost plan for your implant treatment, go to your usual dentist on site and have them make a cost estimate for your treatment.
- Upload the estimate to dolvi for free in just 90 seconds.
- Receive comparative offers from selected dentists after just 48 hours.
- Choose your new dentist and save money.
With dolvi to the new dental implant: What costs can I save?
Of course, we cannot promise you any specific cost savings. How high this is depends on the type of treatment you want and the price calculation of your dentist. On average, however, patients save 44 percent of the treatment costs on dolvi.
Thanks to dolvi, your treatment is not only cheap. Because we subject all participating dental practices to a precise quality check. With dolvi you always get the best treatment at the best price.
New dental implant: dolvi saves you time and money!
Play it safe now: get a second dental opinion, compare the prices of dental implants and reduce your treatment costs. On dolvi you can upload your treatment plan and cost plan anonymously in just 90 seconds and receive comparison offers from certified dentists. Here you will find the best treatment at a fair price – free of charge, without obligation and completely anonymous.
|
finance
|
http://landscape58147.timeblog.net/11660503/bankrupcy-service-florida
| 2019-01-22T06:19:41 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-04/segments/1547583829665.84/warc/CC-MAIN-20190122054634-20190122080634-00578.warc.gz
| 0.953239 | 442 |
CC-MAIN-2019-04
|
webtext-fineweb__CC-MAIN-2019-04__0__15445925
|
en
|
Personal bankruptcy assists people that can no more pay their debts obtain a clean slate by liquidating properties to pay their financial debts or by producing a settlement strategy. Bankruptcy laws also secure monetarily struggling organisations. This section discusses the bankruptcy process as well as regulations.
Declaring bankruptcy can help a person by discarding financial debt or making a strategy to pay off financial obligations. A bankruptcy instance usually starts when the borrower submits a petition with the insolvency court. A petition might be filed by a private, by spouses together, or by a firm or various other entity.
All insolvency situations are dealt with in government courts under policies described in the U.S. Bankruptcy Code.
There are various kinds of insolvencies, which are usually referred to by their phase in the U.S. Bankruptcy Code.
• Individuals may file Chapter 7 or Chapter 13 insolvency, depending upon the specifics of their circumstance.
• Communities-- cities, communities, towns, exhausting areas, community utilities, and also college areas may file under Chapter 9 to reorganize.
• Services may file insolvency under Chapter 7 to sell off or Chapter 11 to rearrange.
• Phase 12 supplies debt alleviation to family members farmers as well as anglers.
• Personal bankruptcy filings that include celebrations from greater than one nation are submitted under Chapter 15.
• Bankruptcy Basics offers in-depth information concerning filing.
Looking for the recommendations of a certified attorney is highly advised due to the fact that insolvency has lasting economic as well as legal effects. People can submit personal bankruptcy without a legal representative, which is called filing pro se. Find out more.
Utilize the forms that are phoned number in the 100 collection to file personal bankruptcy for people or wedded couples. Use the forms that are phoned number in the 200 collection if you are preparing a personal bankruptcy in support of a nonindividual, such as a firm, collaboration, or limited responsibility business (LLC). Sole owners should utilize the kinds that are phoned number in the 100 series.
Location: Florida Bankruptcy Law Firm | Bankruptcy Service
|
finance
|
https://grnpower.io/swap
| 2020-10-29T20:10:14 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-45/segments/1603107905777.48/warc/CC-MAIN-20201029184716-20201029214716-00336.warc.gz
| 0.90544 | 584 |
CC-MAIN-2020-45
|
webtext-fineweb__CC-MAIN-2020-45__0__98076832
|
en
|
Each existing GRN coin can be swapped for a new ERC-20 GRN token using the token bridge. The GRN Swap Period started September 26th and runs 13 weeks – until December 26th at midnight GMT.
IMPORTANT: The timing of your swap will affect the number of tokens you receive.
Swap early and sacrifice a percentage of your new tokens to gain immediate access. Wait until the final three weeks, and you’ll swap 1:1 and receive 100% of your tokens.
Once you are ready to swap, just follow these simple steps to swap your existing GRN for new GRN tokens:
Ethereum Wallet Destination: Please secure an Ethereum ERC20 wallet. You are strongly encouraged to hold your new GRN tokens directly in an Ethereum ERC20 wallet — NOT in a wallet address from an exchange account. This will eliminate potential issues during the transfer of your tokens. Popular Ethereum ERC20 wallet choices include: MyEtherWallet, Metamask, Trust Wallet, Atomic Wallet, Mist, Parity, and Exodus.
Start Swap: Once you’re ready to begin the swap process: - Select an exchange where you currently have GRN coins, and click “Continue” - Enter your email address associated with your account at that exchange, and enter “Confirm” - A one-time password will then be sent to your email address, enter this OTP code and click “Continue”
GRN Token Bridge
More information about the swap process:
500 GRN tokens will be the flat fee charged on each swap executed prior to the Final Swap Period. The swap fee during the Final Swap Period will be just 5 GRN tokens. The fees generated will be used solely to pay the gas fees for these swaps to be executed on the Ethereum platform.
Final Swap Period
Final Swap Period will last for 3 weeks and will be a 1:1 swap (100%). Anyone who submits their coins to be swapped during this final period will not receive their new tokens shortly after the swap (as will occur in the previous weeks of the swap), but instead will have to wait until December 30th. All of the 1:1 swap recipients will receive their tokens at the same time on December 30th.
More details are available in the Swap section of the GreenPower White Paper.
Q. Do I have to swap all of my coins at once?
A. No, you can swap separate portions of your coins at different sections of the Token Bridge.
Q. Is there any limit to how many times I can swap?
A. There is no set limit, but keep in mind you will pay the 500 GRN swap fee every time you swap an amount of coins (prior to the Final Swap Period, when the fee will be 5 GRN per swap).
|
finance
|
https://www.charlesfrieda.com/post/first-time-home-buyer-checklist
| 2024-04-20T15:48:46 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817670.11/warc/CC-MAIN-20240420153103-20240420183103-00736.warc.gz
| 0.958114 | 1,373 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__171680332
|
en
|
BUYING YOUR FIRST HOME can be exciting--and also terrifying! Where do you start? How do I pick an agent? How much should I put towards the down payment? Will I qualify for a loan? What goes into writing an offer? I've found that the best first step you can take is figuring out your mortgage situation. It sets the stage for everything you'll consider when it comes to deciding which home is right for you. The checklist below is a good reference to start with--we'll go through them in some detail below:
Pay down as much debt as possible.
Determine your home buying budget and get pre-approved for a mortgage.
Learn about the in's and out's of the home buying process.
Build a good savings account buffer in at least one of your bank accounts.
Budget for expenses beyond your mortgage.
Decide what type of mortgage is right for you.
Start putting together your paperwork/documentation to support your application.
Paying Down Your Debt
Paying off or paying down debt is first on the list of what to do if you want to buy your first home. And while you're at it, checking your credit score and credit report are musts. Focusing on paying down your credit cards and paying your bills on time can be a quick way to see your credit score move in the positive direction.
You could get a mortgage with a FICO credit score as low as 500, and 620 is typically the minimum for a conventional mortgage. But the higher your score, the more likely you are to get the best interest rate and terms for your mortgage.
Know Your Budget, and Get Pre-Approved for a Mortgage
Look at your income and budget, including how much house you can afford, before you choose a down payment, type of mortgage or house--or anything else.
A mortgage pre-approval can give you a solid idea of your mortgage eligibility and how much money you could borrow. This letter also signals to sellers that your lender is on board and you're ready to buy. A pre-approval typically doesn't impact your credit score, but ask your mortgage broker to be safe.
Keep in mind that the maximum amount you are approved for by a mortgage lender isn't necessarily what you can afford.
Understand the Homebuying Process
Being aware of the steps in the mortgage process can be helpful. It will help you prepare for what's ahead.
Generally, the steps are:
Get pre-approved for a mortgage by a lender or mortgage broker.
Shop for a home and make an offer.
Secure a mortgage.
Have the home inspected and appraised.
Complete mortgage underwriting and closing.
Have Money in the Bank
Having a good cash cushion is helpful not only for your down payment but also to help pay for closing costs, maintenance/repairs, and emergencies.
How much money do you really need to put down on your first home? It depends.
Most experts suggest that you have at least 20% of the purchase price saved as a down payment. You can buy a house without putting 20% down – and many people do – but there are good reasons to put at least 20% down. It means you'll avoid paying for private mortgage insurance, or PMI. A bigger down payment also reduces the amount you will need to finance and pay interest on.
If a 20% down payment is out of reach or would prevent you from paying closing costs or expenses after the sale, you have options. Some government agencies and lenders offer first-time homebuyer programs that can help with down payments and closing costs.
Budget for Expenses Beyond Your Mortgage
A home loan is a long-term, monthly expense you're taking on, and having a financial cushion after closing is key. Be prepared to make payments after a job loss or another hardship.
Good and bad times lie ahead, and you want to be covered on your mortgage either way.
Figuring out what you can afford means adding:
Homeowners association fees
Potentially higher utility costs if you're buying a larger home
Amenity upkeep, such as a lawn or pool
Decide What Type of Mortgage Is Right for You
Even as a first-time homebuyer, you have an array of mortgage options to choose from. Do you want a government-backed or conventional mortgage? Do you prefer adjustable or fixed interest rates?
A government-backed mortgage guarantees your loan, protecting the mortgage lender from losses if you default on it. The Federal Housing Administration, U.S. Department of Veterans Affairs and U.S. Department of Agriculture typically offer these programs.
For those who qualify, this type of loan can offer lower approval requirements than conventional mortgages and low or no minimum down payment. But conventional loans may have lower interest rates compared with government-backed mortgages.
Another big choice is between adjustable- and fixed-rate mortgages.
An adjustable-rate mortgage, or ARM, has an interest rate that can fluctuate over the life of the loan along with benchmark rates. A fixed-rate mortgage, on the other hand, has an interest rate that never changes, even if rates fall.
Some homebuyers are wary of ARMs and for good reason. The rate for your ARM could adjust – and with it, your monthly mortgage payment – to well beyond what you can afford.
But ARMS can make sense for some borrowers. If the interest rate is low and you won't live in your house for long, an ARM might be a good fit for you.
Limits on how often ARMs can adjust may make them more appealing to some buyers. But overall, a fixed-rate mortgage can be a safer, more predictable choice for first-time buyers.
Consider the Length of Your Home Loan
Most homeowners choose between a 15- or 30-year mortgage, though other durations may be available depending on the lender.
A 30-year mortgage may offer a more affordable monthly payment, but a 15-year mortgage may reduce long-term interest and help you pay off the loan much earlier. Still, the monthly payment on a 15-year mortgage can be a barrier for some homebuyers.
Start Gathering Paperwork
Applying for and closing on a mortgage requires a lot of documents, and working to get ahead can't hurt.
Here are some documents needed for a mortgage:
Federal income tax records for the past couple of years
Recent paycheck stubs
Canceled checks for rent or utility payments
Also, you'll want to gather any other documents a mortgage lender might want to see, such as credit card and student loan account statements.
|
finance
|
https://pena4.com/industries/finance-and-accounting/
| 2021-03-03T07:46:43 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-10/segments/1614178366477.52/warc/CC-MAIN-20210303073439-20210303103439-00574.warc.gz
| 0.908099 | 153 |
CC-MAIN-2021-10
|
webtext-fineweb__CC-MAIN-2021-10__0__95256632
|
en
|
FINANCE AND ACCOUNTING
Reap the benefits of increased accuracy, efficiency and long-term cost savings tailored to finance and accounting.
Pena4’s suite of finance business process outsourcing (BPO) services empower your business to improve operational efficiency by serving as an extension of your current staff.
With just the right combination of financial experts and data analysis, we help clients increase cash flow and revenue.
What We Do
Cash flow management
Back office optimization
How We Do It
Financial expertise coupled with 24/7 support. Pena4 has the talent pool and process to reduce accounting burdens and risks.
Get back your hard earned money, time and peace of mind. Schedule a consultation for outsourcing that best suits your needs.
|
finance
|
https://www.aerospaceglobalforum.com/about-agf/forum-themes/financing-the-future/
| 2023-12-02T16:15:04 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100427.59/warc/CC-MAIN-20231202140407-20231202170407-00152.warc.gz
| 0.889193 | 268 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__51007439
|
en
|
Financing The Future
Pivoting financial assets to support sustainable aviation is not an easy task. It requires the knowledge necessary to navigate the extreme complexity of the category. Within the aerospace industry, there are numerous strategies, technologies, business models, and companies emerging from the global climate agenda. The financial sector must learn how to evaluate green investment opportunities and assess climate-related and social risks affecting the aerospace industry.
Currently, the deal activity remains strong - innovation, technology transformation, and geopolitical and regulatory shifts will likely drive a robust deal environment across all industry segments. As industry players reevaluate their portfolios and focus on divestments of non-core assets, well prepared companies with strong balance sheets are making smart M&A decisions, creating increased shareholder value. While post-pandemic recovery remains a key driver in commercial aerospace, geopolitical tensions could continue to support deal-making in defence.
EXPLORE FORUM THEMES
Working together to drive change at every altitude from the future of sustainable aviation to space technology.
Subscribe to AGF Newsletter
Accelerate your journey to Net Zero at AGF
The time is now: get ready to connect, engage, accelerate and innovate at the new global forum for change.
Connect with global leaders to drive climate action and transform the aerospace industry and beyond for a better world.
|
finance
|
https://muntermag.com/the-truth-about-the-lottery-2/
| 2024-04-23T01:18:19 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818452.78/warc/CC-MAIN-20240423002028-20240423032028-00559.warc.gz
| 0.971691 | 567 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__196985949
|
en
|
The lottery is a popular form of gambling in which participants pay for a ticket and then hope to win a prize based on random selection. There are many different types of lotteries, including those that award units in subsidized housing blocks or kindergarten placements at a certain school. Other types of lotteries award money, such as those organized by state governments in the United States. The purpose of the lottery is to raise funds for various projects, such as education, public works, or health and welfare programs. It is also a way to promote sports, such as horse racing or soccer.
In the past, state lotteries operated like traditional raffles, with players buying tickets for a future drawing. However, innovations in the 1970s dramatically transformed these games. These innovations allowed lotteries to offer prizes in the form of cash or goods immediately. This reduced the waiting time for winners and increased revenues. Lottery commissions promoted these innovations by advertising the chance to win big and arguing that playing the lottery was a fun and affordable way to enjoy the thrill of gambling.
A common misconception about the lottery is that it’s a “gamble” in which the odds of winning are long. This misperception is partly true, but it doesn’t explain why people play. Instead, it’s about an inextricable human impulse to gamble and a belief that the lottery represents a chance at quick riches, especially in this age of declining social mobility.
Many state lotteries have become increasingly complex. They have adopted a number of innovative marketing strategies, including advertising on billboards and radio stations, and they have introduced new games to increase revenues and keep people interested. In addition, they have adopted rules that prohibit the sale of tickets to minors and have instituted restrictions on how much money a player can spend on one ticket.
Some states even operate multiple lotteries, with each offering its own prizes and odds of winning. However, the odds of winning a major prize are still relatively low. For example, the odds of winning the Powerball jackpot are only 1 in 195 million. Despite these odds, the lottery is still a popular choice for many Americans.
To improve your chances of winning, choose numbers with a high probability of being drawn. Avoid numbers that are closely related to each other or those that end in the same digits, as this tends to decrease your chances of winning. In addition, try to purchase more tickets to increase your chances of winning. It’s also a good idea to mix up your numbers and select numbers that are not common to other players. Lastly, don’t buy lottery tickets that have sentimental value. Instead, consider purchasing lottery tickets with a group of friends or family members. This will significantly improve your chances of winning!
|
finance
|
https://updates.mwbllp.com/2010_12_12_archive.html
| 2023-10-01T08:52:17 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510810.46/warc/CC-MAIN-20231001073649-20231001103649-00829.warc.gz
| 0.932215 | 864 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__147686675
|
en
|
The California Appellate Court, Fourth District, recently ruled in favor of a bank in a lawsuit arising from a check cashing scheme, confirming that the Uniform Commercial Code ("UCC") overrides inconsistent principles of state common law, and did not require the bank to prove it was free from negligence.
A copy of the opinion is available at: http://www.courtinfo.ca.gov/opinions/documents/E049170A.pdf.
Chino Commercial Bank, N.A. ("Chino") brought an action against Brian Peters and Marylin Charlnoes for breach of contract and fraud. Peters and Charlnoes maintained a checking account with Chino through their small construction business, Faux Themes Inc. ("Faux"). In March of last year, Peters entered into a business arrangement with a man he met on the internet, whereby the man would send Peters checks to deposit into Faux's account with Chino and Peters would then wire the funds to a bank account in Hong Kong. Peters would retain a fifteen percent fee for this service.
Overall, Peters wired just under half a million dollars to Hong Kong, but the checks he deposited with Chino were ultimately dishonored as forgeries. Chino then brought an action against Peters and Charlnoes to recover the funds overdrafted from Faux's account, seeking to attach property of Peters and Charlnoes under a common law contract theory. The trial court found in Chino's favor, placing the burden of proving any negligence by Chino in accepting the altered checks or wiring the funds on Peters and Charlnoes.
Peters and Charlnoes appealed the trial court's ruling, arguing that Chino should have been required to prove it was free from negligence under the traditional principles of California common law that govern contracts. The Appellate Court rejected the appeal, explaining that California's enactment of the UCC preempted any inconsistent common law principles. It then discussed Chino's potential liability under the relevant UCC provisions for (1) accepting the altered checks; and (2) wiring the funds as directed by Peters.
Concerning Chino's acceptance of the altered checks, the Appellate Court looked to the UCC's chargeback provisions to determine that Chino could, in fact, be liable for charging the amounts of the dishonored checks back to Faux's account if it failed to exercise ordinary care in accepting the altered checks. However, the Appellate Court found that Chino presented uncontradicted evidence that it used ordinary care, and that Chino was therefore entitled to charge the funds back to Faux's account. Specifically, the Appellate Court relied on evidence that Chino's employees (1) looked for irregularities on the face of the altered checks without finding any; and (2) considered whether the amounts of the checks were consistent with deposits to other companies owned and operated by Peters at the same address as Faux.
Concerning Chino's wiring of the funds as directed by Peters, the Appellate Court looked to Article 4A governing funds transfers. Noting that Article 4A specifically limits the liability of banks in connection with the transfer of funds to that created under its express provisions, the Appellate Court held that negligence is not an element of the article's general obligation of good faith, and nothing in the current version of Article 4A would otherwise create liability for a bank negligently accepting a duly authorized wire transfer.
Ralph T. Wutscher
Kahrl Wutscher LLP
The Loop Center Building
105 W. Madison Street, Suite 2100
Chicago, Illinois 60602
Direct: (312) 551-9320
Fax: (866) 581-9302
Mobile: (312) 493-0874
NOTICE: We do not send unsolicited emails. If you received this email in error, or if you wish to be removed from our update distribution list, please simply reply to this email and state your intention. Thank you.
Our updates are available on the internet, in searchable format, at: http://updates.kw-llp.com
|
finance
|
https://maksi.feb.undip.ac.id/en/history/
| 2023-06-04T01:16:08 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224649348.41/warc/CC-MAIN-20230603233121-20230604023121-00705.warc.gz
| 0.942086 | 236 |
CC-MAIN-2023-23
|
webtext-fineweb__CC-MAIN-2023-23__0__44452117
|
en
|
The Master of Accounting Program/Master of Accounting Program (MAP), Faculty of Economics and Business (FEB) at UNDIP is a postgraduate program established based on a decree from the Directorate of Higher Education, Ministry of Education and Culture Number 135/ Perguruan Tinggi / KEP / 1999 dated on 14th April 1999. The MAP has been accredited ‘A’ by the National Accreditation Agency for Higher Education (BAN-PT) of the Republic of Indonesia since 2005. The study program has also been internationally accredited by the Alliance on Business Education and Scholarship for Tomorrow, A-21st Century Organization (ABEST21) since 2015 until now. The curriculum of MAP is designed to emphasize mastery of accounting concepts and practices, both in the public and in the private sectors to achieve COMPLETE (Communicator, Professional, Leader, Thinker, Entrepreneur, Educator) qualifications and competencies in accordance with Indonesian National Qualifications Framework (KKNI) and international standards. Three majors offered, are corporate accounting, government accounting and forensic accounting. MAP has defined three profiles of its graduates that are accounting academics, accounting researchers, and accounting professionals.
|
finance
|
http://www.veteransbusinesscouncil.org/news-events/rrvbc-awards-luncheon/
| 2013-05-23T00:00:45 |
s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368702525329/warc/CC-MAIN-20130516110845-00072-ip-10-60-113-184.ec2.internal.warc.gz
| 0.921476 | 227 |
CC-MAIN-2013-20
|
webtext-fineweb__CC-MAIN-2013-20__0__6605968
|
en
|
The RRVBC Awards Luncheon is at 12:00 noon on November 14, 2012. The Rochester Regional Veterans Business Council (RRVBC) would like to recognize businesses, educational institutions, and service organizations which provide exceptional support to the veteran community. Winners of these awards will be honored at the RRVBC Awards Luncheon on 11/14/12 at the Rochester Plaza Hotel.
Please note, after completing the registration form below you will be taken off-site to complete the purchase via PayPal. You do not need to create a PayPal account in order to complete the transaction, and if you have a PayPal account, you do not need to log in to complete the purchase. Most standard forms of payment will be accepted upon completing this form and submitting it to PayPal. If you have any questions at all about the registration process, please contact the Secretary prior to entering any information.REFUND POLICY. Due to planning and contract commitments, NO REFUNDS can be made after November 7th. Any requested refunds/cancellations must be made via email to the Secretary. Thank you for your understanding.
|
finance
|
http://new.peoplepeople.org/financials/
| 2013-05-18T16:47:18 |
s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368696382560/warc/CC-MAIN-20130516092622-00053-ip-10-60-113-184.ec2.internal.warc.gz
| 0.895656 | 134 |
CC-MAIN-2013-20
|
webtext-fineweb__CC-MAIN-2013-20__0__55930693
|
en
|
As a registered 501(c)(3) nonprofit organization, People to People believes in the highest degree of accountability and transparency. We keep thorough legal and financial records in strict accordance with federal and state laws governing charitable organizations. P2P utilizes its own rigorous project accounting and evaluation procedures for each and every project undertaken. For more information, you can view our organization profile and key data on GuideStar.org by clicking HERE. Our federal tax ID# is 61-1346918.
You can also view and download our Form 990 tax return for each fiscal year here:
- 2011 Form 990
- 2010 Form 990
- 2009 Form 990
|
finance
|
https://mondieu.cz/loyalty-card/
| 2020-01-27T03:36:51 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-05/segments/1579251694176.67/warc/CC-MAIN-20200127020458-20200127050458-00477.warc.gz
| 0.936275 | 159 |
CC-MAIN-2020-05
|
webtext-fineweb__CC-MAIN-2020-05__0__72113314
|
en
|
We in Mondieu have a Mondieu Loyalty Card ready for all the loyal guests. Based on this card you will get a reward everytime you visit Mondieu. Become a member and get 10% discount in form of a credit which you can recharge with every purchase. As a bonus, you will be given initial 200 CZK credit. You just need to fill in the form and we will take care of the rest. We will make your Loyalty Card ready and will inform you on when you can collect it.
How to use the Mondieu Loyalty Card?
Upon payment you will present the Loyalty Card and our staff will recharge your credit by 10% of the price stated on the bill. Once you collect enough credit, you can use the card for payments.
|
finance
|
https://retegy.com/blog/debt-management-strategies/
| 2023-09-25T20:16:55 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510085.26/warc/CC-MAIN-20230925183615-20230925213615-00383.warc.gz
| 0.955762 | 2,891 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__202058000
|
en
|
Managing Debt: Effective Strategies
Vladimir Kouznetsov, EA, CFP®
July 25, 2023
Practical Strategies and Approaches for Effective Debt Management
Being in debt can feel like having a gigantic rock tied to your ankle. It is hard to move forward, and the constant worry and stress associated with it can be overwhelming. In this article, we'll explore several debt management strategies, comparing their benefits and drawbacks, and discuss how a Certified Financial Planner (CFP®) can guide you through your unique financial landscape towards a more secure future.
The Importance of Dealing with Debt
One of the fundamental aspects of financial health is the effective management of debt. Unchecked, debt can spiral out of control, leading to increased interest payments, poor credit scores, and severe financial hardship. Therefore, dealing with debt promptly is crucial. It not only reduces financial stress but also frees up money that can be directed toward savings and investments.
Debt Management Strategies
Let's look at five common strategies for managing debt: Debt Snowball, Debt Avalanche, Debt Consolidation, Balance Transfer, and Debt Management Plan.
“Debt Snowball” Strategy
The “debt snowball” method involves paying off debts, starting from the smallest balance and working up to the largest. This strategy can provide psychological motivation, as the debtor sees immediate results as smaller debts are paid off quickly.
This debt reduction method was popularized by personal finance expert Dave Ramsey. Here's how it works:
List your debts from smallest to largest: Irrespective of the interest rate, list all your debts in ascending order based on the outstanding balance.
Make minimum payments on all your debts except the smallest: Allocate as much money as you can towards the smallest debt while maintaining the minimum payments on your other debts.
Focus on the smallest debt: By concentrating on the smallest debt first, you're likely to pay it off quicker, which gives you a psychological win and builds momentum.
Roll over the payments to the next smallest debt: Once the smallest debt is paid off, take the money you were putting towards that debt and now apply it to the next smallest debt on your list. Over time, these payments will 'snowball,' allowing you to pay off larger debts faster.
Repeat until all debts are paid off: Continue this method, progressively eliminating each debt. As each debt is paid off, the freed-up payment amount should then be applied to the next debt on the list, accelerating the paydown process.
The power of the debt snowball method lies in its psychological effect. By focusing on the smallest debts first, individuals can experience quick wins, which can increase motivation to continue paying down debt. However, it's worth noting that this method might not always be the most cost-efficient approach, as it doesn't take into account the interest rates of the debts. Another popular strategy that does consider interest rates is the 'debt avalanche' method, which prioritizes paying off the debt with the highest interest rate first.
“Debt Avalanche” Strategy
The “debt avalanche” method focuses on paying off the debt with the highest interest rate first, regardless of its size. Over time, this method saves you more in interest payments than the snowball method, but it might take longer to feel the satisfaction of completely paying off your debts. Here is how it works:
List your debts from highest to lowest interest rate: Unlike the debt snowball method, the debt avalanche strategy focuses first on the debt with the highest interest rate, not the smallest balance.
Make minimum payments on all your debts: Similar to the debt snowball strategy, make the minimum payments on all your debts each month to avoid late fees and potential damage to your credit score.
Pay extra towards the debt with the highest interest rate: Any extra money you have for debt repayment should go towards the debt with the highest interest rate. By doing this, you're minimizing the amount of interest you'll pay over time.
Roll over payments to the debt with the next highest interest rate: Once the highest-interest debt is paid off, take what you were paying on that debt and apply it to the debt with the next highest interest rate.
Repeat until all debts are paid off: Continue this method, progressively eliminating each debt. The process speeds up over time as you roll over payments to debts with lower and lower interest rates, giving it an "avalanche" effect.
The advantage of the debt avalanche method is that it minimizes the amount of interest you'll pay over time. However, it may take longer to pay off your first debt compared to the debt snowball method, as the debt with the highest interest rate may also be one of the larger debts. This could potentially make the process feel slower and require more discipline, but it can save you more money in the long run.
This involves combining all your debts into a single loan, typically with a lower interest rate. This strategy simplifies the payment process and can potentially save you money over time. However, it requires good credit for the best rates and can be risky if you use home equity, for example, as you could lose your home if you default. Here's a brief outline of how it works:
Obtain a debt consolidation loan: To start, you'll need to secure a loan that's large enough to cover the total amount of the debts you want to consolidate. The loan could come from various sources, including personal loans, home equity loans, or balance transfer credit cards.
Pay off existing debts: Once you've secured the loan, you'll use the funds to pay off the existing debts. This could be a mix of different types of debt, such as credit cards, student loans, or other personal loans.
Repay the consolidation loan: After the individual debts have been paid off, you're left with the single consolidation loan. You'll need to make regular payments on this loan until it's fully repaid.
The primary goal of debt consolidation is to simplify debt repayment. Instead of having to manage multiple payments each month, you only need to worry about one. Moreover, if the interest rate on your consolidation loan is lower than the average interest rate on your original debts, you can save money in the long run.
However, it's important to remember that debt consolidation doesn't reduce the total amount you owe—it just restructures it. You'll still need to make regular payments on the consolidation loan, and if the loan is secured against your property, like in the case of a home equity loan, failing to do so could put your home at risk. Always be sure to fully understand the terms of a consolidation loan and ensure that the payments are within your budget.
As with any financial decision, it's usually a good idea to talk with a financial advisor before pursuing debt consolidation. They can help you understand the potential risks and benefits and decide if it's the right strategy for your situation.
A balance transfer involves shifting your debt to a new credit card with a lower interest rate, often 0%, for an introductory period. This method can save you money if you can pay off the debt within the promotional period but be aware of the high interest that follows. It is commonly used for high-interest credit card debt. Here's a brief overview of how it works:
Open a New Credit Card with a Balance Transfer Offer: First, you need to find a credit card offering a balance transfer deal, often with a low or even 0% introductory interest rate. These promotional rates typically last for a specific period, usually between 6 to 18 months, after which a higher rate will apply.
Transfer Your Debt: Next, you'll transfer the balances from your high-interest credit cards to the new card. There's usually a fee involved in this process, typically between 3% to 5% of the total transfer amount.
Pay Off the Transferred Balance: Now that your debt is on the new card, your goal should be to pay it off as much as possible, if not entirely, during the low-interest promotional period. The advantage of this method is that more of your payment goes towards the principal balance rather than interest, allowing you to pay down the debt faster.
Balance transfers can be an effective way to reduce high-interest debt, but there are some potential pitfalls to be aware of. First, after the promotional period ends, the interest rate on the card can increase significantly, so it's important to pay off the balance before that happens.
Second, balance transfers usually come with fees, which could negate some of the savings from the lower interest rate. Additionally, applying for a new credit card can have a temporary negative effect on your credit score.
Lastly, this strategy requires discipline. If you continue to rack up debt on your old cards after transferring the balance, you'll find yourself in an even deeper hole.
As with any debt reduction strategy, it's essential to consider your personal financial situation and habits before proceeding with a balance transfer. If used wisely, it can be a valuable tool for managing and reducing debt.
Debt Management Plan
A Debt Management Plan (DMP) is a formal agreement between you and your creditors to repay your debts over a specified period. It can help reduce monthly payments and interest rates, but it can also negatively impact your credit score.
Here's how it works:
Consultation with a Credit Counselor: First, you'll meet with a credit counselor to review your entire financial situation. They'll help you create a budget that factors in all your income, expenses, and debts.
Creation of the Debt Management Plan: If a DMP seems like a viable strategy for you, the counselor will help you devise a repayment plan based on your budget. This plan will include a schedule for paying back all your unsecured debts (like credit cards or personal loans), usually within three to five years.
Negotiation with Creditors: Next, the credit counseling agency will reach out to your creditors and negotiate more favorable terms on your behalf. This can often result in lower interest rates, waived fees, and lower monthly payments. Note that some creditors may even freeze additional credit until your debts are paid off under the DMP.
Regular Payments: Once the plan is in place, you'll start making regular payments to the credit counseling agency, which will distribute these payments among your creditors. You'll have to ensure your payments are timely and in full, or you could lose the benefits negotiated by the agency.
Completion of the Plan: Finally, once all the debts in the DMP are paid off, you will have completed the plan.
A DMP can be an effective way to get out of debt, but it does require discipline and commitment, as you'll need to stick to a strict budget for several years. Also, a DMP is designed to pay off unsecured debts and won't include secured debts like mortgages or auto loans.
It's also worth noting that while a DMP can help you manage your debts and could potentially lower your interest rates, it's not a quick fix, and it doesn't reduce the total amount you owe. Additionally, while being on a DMP, your creditors may restrict you from opening new lines of credit.
Before entering into a DMP, make sure to find a reputable credit counseling agency, ideally one that's a nonprofit, and always understand the terms and potential consequences of the plan.
Each of these strategies has its pros and cons, and the best one for you depends on your specific financial situation and personal preferences.
The Role of Certified Financial Planner (CFP®)
Working with a Certified Financial Planner (CFP®) professional can be an invaluable asset in your journey to becoming debt-free. A CFP® is a professional who is trained and certified to help individuals manage their financial affairs. They provide a customized approach to debt management, taking into consideration your income, expenditure, assets, liabilities, and personal goals.
A CFP® can guide you through the maze of debt management strategies, helping you choose the one that best fits your situation. They will assist you in creating a budget and financial plan that not only helps you get out of debt but also sets you on a path to financial security.
Furthermore, a CFP® can offer you comprehensive financial advice beyond debt management. This may include investing for retirement, tax planning, estate planning, and insurance considerations.
Managing debt is a crucial step toward financial freedom. While there are several debt management strategies available, each has its benefits and drawbacks. A CFP® can provide valuable insights and guidance tailored to your specific needs, helping you navigate your financial journey. By combining an effective debt management strategy with a comprehensive financial plan, you can turn the tide on your debt, build wealth, and secure a financially stable future.
This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.
Understanding the Ins and Outs of Workplace 401(k) Plans
Latest articles from the "Financial Planning" category.
Top Financial Mistakes to Avoid
Top financial mistakes to avoid, empowering you to take control of your money and pave the way toward financial prosperity
Vladimir Kouznetsov, EA, CFP®
Jul 14, 2023
End-of-the-Year Money Moves. 2022 Edition
Here are some things you might consider before saying goodbye to the outgoing year
Nov 23, 2022
|
finance
|
http://www.queenglad.com/
| 2017-02-23T20:36:56 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-09/segments/1487501171232.43/warc/CC-MAIN-20170219104611-00042-ip-10-171-10-108.ec2.internal.warc.gz
| 0.903257 | 138 |
CC-MAIN-2017-09
|
webtext-fineweb__CC-MAIN-2017-09__0__260134239
|
en
|
When you discover our selection of jewellery, power tools, musical instruments and electronics, you’ll be glad you stopped by Queenglad! Since 1996, Queenglad Pawnbrokers has been downtown Toronto’s jewellery buyer and used merchandise retailer of choice.
Fast Cash Loans – No Limits!
At Queenglad Pawnbrokers, we give credit to where credit is due. That’s why we have zero lending limits on instant cash loans. And Queenglad makes it easy to pay back your loan, with some of the lowest interest rates in the GTA.
Queenglad Pawnbrokers proudly serves the downtown Toronto area.
|
finance
|
https://www.studentaffairs.com/jobs/job-listing.aspx?jobid=27887
| 2019-12-08T13:32:11 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-51/segments/1575540510336.29/warc/CC-MAIN-20191208122818-20191208150818-00389.warc.gz
| 0.895345 | 448 |
CC-MAIN-2019-51
|
webtext-fineweb__CC-MAIN-2019-51__0__85865465
|
en
|
Massachusetts Institute of TechnologyCambridge, MA United States
DIRECTOR OF STUDENT FINANCIAL COUNSELING, Student Financial Services (SFS), to oversee the twelve-member SFS counseling team. Will provide guidance, mentorship, and direction to staff; advise on the annual financial aid application and awarding cycle; provide oversight and strategic direction to the customer service team; and guide the development and communication of a financial wellness curriculum for students. Will be expected to create a strong, integrated service--including the financial aid, customer service (financial aid and student accounts), and financial education functions--that ensures access and affordability for MIT students and their families; and work in close collaboration with the director of Student Financial Operations and director of Student Financial Services to ensure a seamless workflow and staff engagement. Will report to the director of SFS.
REQUIRED: bachelor's degree; at least eight years of progressive student financial services experience at a higher education institution; proven experience supervising a diverse and talented staff; an interest in and proficiency at mastering new information systems; proven history of working collaboratively in a highly matrixed management environment; ability to take full ownership for driving projects, manage resources efficiently, effectively delegate, and prioritize; commitment to serving a diverse customer base, continuous process improvement, and ensuring access and affordability for MIT students and families; and excellent collaboration, communication, and presentation skills. Seek someone who exhibits a strong bias for action and is able to analyze and interpret complex and multifaceted situations. High-level knowledge of financial aid file review, eligibility determination and/or student account payments, and student financial services-related systems (e.g., PowerFAIDS, Banner, TouchNet) preferred. Job #18304-11
- Start Date: No Start Date
- Education: Bachelor's Degree Required
- Work Experience: 8 - 10 years
- Part/Full Time: Part-Time
Contact / Additional Information
Please apply on-line with your letter and resume at - https://careers.mit.edu/
referencing Search Job #18304-11
If you have your resume registered on StudentAffairs.com you can apply for this position online.
|
finance
|
https://homefed24.com/checking/
| 2024-04-18T13:49:34 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817206.54/warc/CC-MAIN-20240418124808-20240418154808-00193.warc.gz
| 0.926624 | 545 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__88940054
|
en
|
You can now reorder your checks online. Please click the submit button below. You will be redirected to Harland Clarke website where you will be able to reorder your checks.
Now you can verify that deposits and checks have cleared, confirm balances and transfer between your Home Federal accounts, online, 24/7.
If you are a Home Federal customer, sign up here for this free service.
Money Market Accounts
Earn interest on your savings while still having your money available for withdrawal whenever you need it. Money market rates are set weekly and guaranteed for one month from the day you open your account. Please ask about current rates.
This account has no fees or service charges of any kind. Deposit or withdraw money anytime, without penalty, and write up to six checks on the account per monthly statement cycle.
Would you rather not pay for checking?
Our Totally Free Checking Account lets you do just that. It's totally free. You pay no monthly service charge and no per-check charge. Write as many checks as you want. It won't cost you a penny.
Even better, you are not required to maintain a minimum balance. Keep as much or as little money in your account as you want.
Are you 50 or older?
Golden Eagle Checking is our special offer to customers age 50 or older. Open your account with $100 or more, and you'll have no minimum balance requirement, never any monthly service charges, and free Golden Eagle checks. We keep images of all your cancelled checks.
Need a checking account for your business?
We are now providing business checking accounts to Collinsville-area companies. Let us know your needs and we'll get you set up right away.
Would you like an easy way to get cash anytime?
Our check card lets you make cash withdrawals without a fee at our ATM and many other locations. In an effort to provide you with more access points to your accounts via your Home Federal Savings & Loan ATM/Debit Card, we have joined the Allpoint Network. The Allpoint network has over 55,000 ATM's that you can use nationwide at NO CHARGE! Click here for more information.
Would you like an easy way to pay?
Your Home Federal Check Card also lets you make purchases anywhere you see the MasterCard ™ logo – at more than 19 million merchants worldwide.
- Direct deposit of Social Security checks
- Postage-paid, save-by-mail service
- 24-hour night depository
- Drive-up banking
- Automatic loan payments
- Safe deposit boxes to store valuables and important papers
|
finance
|
https://www.marginalgains.uk/services/merchant-services/
| 2020-02-22T07:21:42 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-10/segments/1581875145654.0/warc/CC-MAIN-20200222054424-20200222084424-00046.warc.gz
| 0.962371 | 141 |
CC-MAIN-2020-10
|
webtext-fineweb__CC-MAIN-2020-10__0__102091357
|
en
|
Are you considering switching your merchant services provider but not sure where to start?
Shopping around is worthwhile but understanding which payment provider will best meet the needs of your business can be a daunting, complex and lengthy process. We will review your current merchant package and offer a viable alternative.
Our merchant switching service has saved our customers over £100,000 collectively in transaction fees, and our special relationships with providers means we have access to exclusive tariffs and the lowest rates on the market.
We also take into consideration all of the associated benefits that come with our merchant providers, including customer service, innovative features and online integrations, as well as contract lengths and other considerations that are important to your business.
|
finance
|
https://widgets.lendingtree.com/widgets/todaysrates/lightgray300?showFrame=false
| 2018-12-12T20:49:10 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376824119.26/warc/CC-MAIN-20181212203335-20181212224835-00377.warc.gz
| 0.962319 | 181 |
CC-MAIN-2018-51
|
webtext-fineweb__CC-MAIN-2018-51__0__144234276
|
en
|
This Interest rate tool, which is updated daily, shows a comparison of rates and APRs available from a sample of our lenders on the LendingTree Network. Rates displayed are reflective of the lowest rates and corresponding APRs from the sample lenders' pricing sheets for our network lenders. Rates shown reflect the payment of one discount point for the following consumer segment: 720+ FICO, $220,000 loan amount, LTV <=80%, SFD, Primary Home. The displayed rates were reported for the time period shown and are not intended to reflect rates that are currently available. LendingTree, LLC. is not a lender. All credit decisions will vary based upon your loan request and credit profile and are determined independently by each lender with whom you are matched. Rates and terms offered will vary based on the lenders with whom you are matched and are subject to change based on fluctuations in interest rate markets.
|
finance
|
https://www.milestonefinancialplanning.com/blog/supercharging-your-retirement-savings/
| 2018-05-25T18:22:08 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-22/segments/1526794867173.31/warc/CC-MAIN-20180525180646-20180525200646-00543.warc.gz
| 0.949593 | 234 |
CC-MAIN-2018-22
|
webtext-fineweb__CC-MAIN-2018-22__0__35796542
|
en
|
As of late 2014, you can now (sometimes double) your retirement contributions and, best of all, roll the increase to your Roth IRA when you leave employment.
Your employer’s plan and your cash flow has to allow for this, but here is how it works: Your “regular” 401k contributions can be as much as $18,000 ($24,000 if you are over age 50). Your employer may or may not match part of that contribution. The total you are allowed to contribute is $53,000 ($59,000 if over age 50), so the difference between that limit and your prior employer & employee contributions can be contributed to your retirement account on an after-tax basis (no tax deduction). However, when you leave, you can roll that entire amount of after-tax contributions to your Roth IRA. This is vastly better than the current $5,500 limit on annual Roth contributions (none if your AGI is over about $132K single, $194K married filing joint).
Retirement and tax rules can be complicated, so please contact us if you would like to hear further about this opportunity.
|
finance
|
https://franklin.capetigers.com/o/foundation/article/1171445
| 2023-12-06T14:10:17 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100599.20/warc/CC-MAIN-20231206130723-20231206160723-00080.warc.gz
| 0.953659 | 155 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__265399517
|
en
|
The CGPS Foundation recently submitted and received the Community Foundation of the Ozarks Endowment Challenge Matching Grant. One of only 10 in Missouri, this grant will award the Foundation with $10,000 upon our efforts to raise $15,000 between July 15 and August 15, 2023. We are excited about our partnership with the CFO and the opportunities this grant provides our community and students. We are asking our dedicated donors to consider contributing during this time frame as their contributions will be enhanced. This grant award will ensure growth and sustainability for the endowed fund which helps the Cape Girardeau Community and our public school students. Executive Director Amy McDonald asks donors to reach out with any questions at 573-651-0555 or [email protected].
|
finance
|
https://www.euro-locks.pl/news/Wprost-Eagle-Award-for-Malow
| 2020-05-29T21:57:45 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-24/segments/1590347406785.66/warc/CC-MAIN-20200529214634-20200530004634-00365.warc.gz
| 0.970674 | 137 |
CC-MAIN-2020-24
|
webtext-fineweb__CC-MAIN-2020-24__0__72086709
|
en
|
„Wprost” Eagle Award for Malow Sp. z o.o.
27 kwi 2018
We are pleased to announce that the „Wprost” Eagle* award was awarded to Malow Sp. z o.o. – a leading producer of metal furniture and a Euro-Locks business partner.
The Eagle statue was received by the Chairman of the Executive Board, Mr. Henryk Owsiejew, during the Award Gala held on 6th April in Suwałki.
*„Wprost” Eagles are awarded to companies that held the best financial results in the region during the last 3 years.
|
finance
|
https://www.tifn.nl/tips-on-how-to-develop-a-crypto-casino-16/
| 2024-04-14T17:22:40 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816893.19/warc/CC-MAIN-20240414161724-20240414191724-00157.warc.gz
| 0.945881 | 3,619 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__6311513
|
en
|
Regular gamers can enter tournaments to increase their winnings, but additionally recoup their losses due to the weekly cashback supplied each Monday. The customer help group is on the market 24/7 that will assist you with any concern you might have. The range of cryptocurrencies accepted by the on line casino can additionally be impressive. There’s a cause why 0x.bet has rapidly become one of the popular casinos out there, and we’d positively recommend it to each skilled casino gamers and newbies. You have lots of of JustBit slots to choose from, together with many well-liked slot games, thanks to its collaboration with dozens of industry-leading software companies. You can even rely on SSL encryption to make sure the security of your private and monetary information, and RNG to make the games truthful. SpotGaming accepts deposits and withdrawals through fiat currencies, as properly as Ethereum, Tether, Litecoin, and Bitcoin.
Fortune Jack is likely considered one of the most popular Bitcoin casinos on the planet due to the huge range of on line casino video games and the mixing of blockchain technology. Founded in 2014, this on line casino can also be one of the oldest in the trade and among the many first casinos that ever accepted cryptocurrencies as a payment possibility. Generally, Fortune Jack is a perfect on line casino utility for many who are looking for provably honest games, reside casinos and sports activities betting. The crypto on line casino has a comprehensive game assortment with all basic categories.
The welcome bonus package consists of bonuses for the first four deposits. With the primary deposit you get a 100% bonus up to 1BTC, whereas the second deposit presents 50% as a lot as 1BTC. The third time you make a deposit, the on line casino will shock you with a one hundred pc match as much as 2BTC, and the 4th deposit is 50% up to 3BTC in whole.
If you’re on the lookout for fast withdrawals, we suggest sticking to Bitcoin, as card payments and financial institution transfers can take anywhere from 3 to 5 days to complete. This Bitcoin casino provides competitive odds on all main sports like NFL, NBA, boxing, and UFC. It also runs an action-packed horse racing part that features day by day UK and worldwide races. Users can choose from Bitcoin, Bitcoin Cash, Ethereum, Tether, Dogecoin, and Litecoin. The sign-up course of forgoes KYC verification with gamers needing only an e-mail and password to login and only $1 deposit wanted to begin taking half in. BitStarz dedicated an entire web page to point out each player how they can show that every sport they offer is fair. One of the benefits of Bitcoin and cryptocurrencies is that each one transactions are everlasting, with none third party concerned.
It’s turn into clear that the utilization of cryptocurrencies will dramatically speed up the speed of transactions referring to on-line playing activities. Anybody who has the good fortune to win a giant jackpot in a crypto casino will only have to attend a couple of minutes earlier than they can get all the method down to the important business of spending it.
Now, over a decade later, many various cryptocurrencies can be utilized for gambling, and tons of of various crypto casinos have launched to fill this large new demand. Crypto casinos differ from conventional casinos when it comes to use of cryptocurrencies for deposits nd withdrawals. Internet casinos that offer customers a way to gamble using cryptocurrencies are booming, sidestepping rules while operating and promoting with near impunity. Dozens of net sites operating exterior the us now provide a way to rapidly start gambling, many with few checks on users’ backgrounds.
Credit card firms and banks must confirm your identity with each cost. Because blockchain know-how handles verification, payments are processed faster – nearly instantaneously. Once you have fulfilled the phrases and have winnings, go to the cashier web page to make a withdrawal. Select your withdrawal technique, input how much money you want to acquire, and confirm the cashout.
Fortunately, today there are enough crypto-bookmakers offering their providers at more than enough level to fulfill the demand of the viewers. You can place hundreds of bets on any possible sporting event on any given day and play tons of of casino games from a broad range of respected on line casino suppliers.
When it simply started, it was a threat to buy bitcoin and those taking the chance are those benefiting from it now. Crypto has been possible truthful income from it going up and down out there, and the best about it all – is that you are able to do it fully anonymously.
Additionally, BTC casinos also offer gamblers various forms of bonuses and rewards, including Tournaments , Free Spins, Exclusive cashback, and Bonus Codes. Bitcoin, the first cryptocurrency of its sort, was invented by Satoshi Nakamoto in 2009.
This is the place we integrate the knowledge collected during the initial stages, create the product logic and animate the consumer interface. It is the important source of data and ideas that make sense of a world in fixed transformation. The WIRED dialog illuminates how technology is altering every aspect of our lives—from tradition to enterprise, science to design. The breakthroughs and improvements that we uncover result in new methods of pondering, new connections, and new industries. Elon Musk’s platform could also be hell, however it’s also the place large amounts of reputational and social wealth are invested.
For this reason, you should choose a on line casino that makes use of Provably Fair algorithms. This algorithm permits players to vet and confirm the randomness independently, hence the authenticity of each end result. At a Bitcoin Roulette table, you’ll place wagers in items of BTC – a profitable guess on Red or Black can see you double up your Bitcoin holdings. As talked about, Cloudbet has a igamingbonus promotion for people who want to fund their account with Bitcoin. That stated, it also has a welcome promotion if you resolve to use one other payment possibility – this features a welcome bonus of up to 5 BTC/BCH/ETH/PAXG or one thousand USDT/USDC/DAI.
They have virtually 200 of them out there, including jackpot slots that payout into the lots of of hundreds. Suffice to say, if slots are your factor, Slots.LV should be prime of your listing of Bitcoin casinos to go to.
If you have to get in contact with somebody who may help, the qualified brokers at Red Dog Casino are on-call 24/7. Players can attain out using their live chat feature, dedicated telephone line, or e-mail assist address. However, you won’t be in a position to cash out lower than $150 or more than $2,500 per transaction till you’ve collected loyalty factors with their casino.
It’s safe to say that we’ve up the ante as far as on-line on line casino motion is anxious. There are two types of craps games provided by crypto gambling USA platform, one which embody craps and Street craps. At cryptocurrency craps, the gamers wager their crypto funds of their most popular cost methods against the playing website. In contrast, at Street craps, the players compete in opposition to each other with their wagers. Several online crypto gambling sites across many international locations permit the gamers to gamble at lottery games on a number of numbers of the lottery ticket to rake in additional wins.
There are pure crypto casinos that solely settle for payments made with cryptocurrencies. There aren’t any options to make use of Interac or to pay with Canadian dollars through e-wallets. Casinos that settle for crypto – on-line casinos that accept crypto along with more conventional cost methods.
And more to it, players get perks of various sizes and type for as many as the primary four deposits. In addition to the massive welcome pack, there are likewise all sorts of promos including regular Table Wars, Level Up Adventure, and Cash Drops. In common, there are not any specific laws regulating bitcoin casinos within the United States and North American territories. Always check your local state legal guidelines to totally understand any restrictions imposed on bitcoin at on-line casinos, inside the USA, and in your home State. Bitcoin is undoubtedly the future of the online on line casino sector and we’re solely just starting to see actual benefits from utilizing this digital foreign money.
However, regardless of such a fantastic game variety, the geo-restriction of reside vendor games marred its glorious score. Hence, if you’re from the US and aspire to hitch reside casino video games, you’ll have to search elsewhere. Don’t be dissatisfied that this bitcoin playing site doesn’t present up with any welcome bonuses, which, in reality, are not that profitable in the long term.
Given the prevalence and speed of Ethereum transactions, it’s out there in almost all crypto casinos with instant payout. The US government is aware of the existence of cryptocurrency, and they are slowly however absolutely taking steps in the direction of the formation of the necessary legislative framework around it. Nevertheless, it is secure to say that in 2020, cryptocurrency is not formally banned within the United States. This state of affairs opens the door for crypto casinos to a huge solvent market, where they’ll appeal to hundreds of recent gamers.
Important for casino operators, Curaçao levies no tax on gross gaming revenue – in contrast to different main countries where taxes on gaming income can go as excessive as 35%. We have over fifteen years of expertise in each aspect of company services, and have been preserving our expertise consistent with the expansion of crypto.
In the US and most western countries, you have to use it to make funds and is subjected to taxes identical to standard money. That, nonetheless, does not qualify it as a authorized tender just like the USD, AUD, Euro, Pound, or any other forex. The two parties transacting should mutually agree to make use of it as a form of cost.
Each time a player places a wager at a cryptocurrency on line casino, no information is revealed to outsiders. Additionally, the collective public notion of cryptocurrency casinos has come a good distance in latest times – and rightly so. Cryptocurrency playing is experiencing widespread adoption and extra customers are wishing to make use of it for his or her online gaming actions. Some sites supply Bitcoin Gambling while others already offer deposits and withdrawals in varied cryptocurrencies and this is one thing that can proceed into 2021.
Users could make swift deposits using a big selection of cryptocurrencies, including Bitcoin, Ethereum, Dogecoin, and others. There is no minimum deposit on this website; however, buyers must deposit a minimum of 0.002 Bitcoins to qualify for the deposit bonus. This will end in a 110% first deposit bonus calculated to 1.5 BTC or equal of their most popular cryptocurrency.
Check your native regulations to see if internet gambling is permitted in your area. We share unbiased and reader-supported reviews; although we are in a position to get commissions for casinos featured in our site guides, that doesn’t impact our rating approach. We usually endorse sites that we feel give one of the best pleasurable gaming experience.
When the competition is this fierce, you can expect us to step up to the plate and ship something big. Gamble at the most effective crypto gambling USA websites and rake in substantial winnings. The crypto gambling websites within the USA are top-rated the world over and even in restricted countries, owing to their regulated gambling environments. Players receive payouts within minutes and gamble on the provably honest video games with out worrying about sport manipulation.
He has also been involved in buying and selling cryptocurrencies for over two years. This system allows each player to examine the useful resource for honesty and get reliable data. The presence of this characteristic on the site indicates that the administration has nothing to hide from customers. There are not any poker tournaments where players would compete against each other. What’s even better when playing at the BitSpinCasino is that it has a minimal to zero quantity of down time, and a 100 percent payout rate. Make a deposit utilizing the Deposit button on the top-right corner of the website. Available deposit and cost choices embrace Credit Cards, GPay, Samsung Pay as well as many native payment options we have made available for you.
The greatest approach to quickly verify whether a website is safe or reliable is to simply read customer evaluations from numerous locations on the internet. Some grifters could get away with shady enterprise follow for a short while, but word will ultimately spread, and the group will finally prevail. The GBO team shall be happy to assist you to acquire Curacao gaming license in your needs all through our extensive community of banks, cost processors and gaming regulators. GBO is a quantity one Curacao gaming service provider attending in conferences world-wide Basically a gaming license…
BitStarz additionally features a couple of traditional fee methods like cards and e-wallets, but you won’t be able to use them should you reside in the US. As a model new participant, you could also partake in Table Wars and Slot Wars — two tournaments offering a $10,000 prize pool, and 5,000 free spins + $5,000 for decided players, respectively.
This is a primary safety function carried out on many crypto web sites. Essentially, it allows you to connect your telephone quantity or authentication app to your account in order that a hacker would want access to your bodily device to have the ability to get into your account. It’s a widely used safety measure and it’s so important that you just use it the place potential. It depends on your jurisdiction as as to if or not it is legal to gamble online with cryptocurrencies like Bitcoin. In basic, yes, it’s authorized to wager with cryptocurrencies online, but you should always examine together with your local legal guidelines first. Multi-lingual solutions provide ease of entry and allow players to entry platforms within the languages https://77bets.icu/dollars-down-under-slot/ they like and are fluent in.
Any on-line casino regardless of the fee method in query might be unreliable. So, the reply is that BTC casinos are solely secure if they have a license to operate. The best Bitcoin casinos are so well-liked these days — zero transaction charges, prompt payouts and exclusive games are just a few of their advantages you can’t take pleasure in at traditional online casinos. Since cryptocurrencies are not tied to any particular nation, that additionally means that they’re accepted at on-line casinos all over the world! Whether you’re in Germany, Thailand, India, Canada, Singapore, Slovakia, Latvia or some other nation, you can even make use of cryptocurrencies. Keep in mind that there nonetheless exists the limiting factor of on-line playing regulation.
Chances are, your clients is not going to all be positioned in one nation. Therefore, offering cryptocurrency payments signifies that your international client base can take pleasure in immediate cross-border funds and transactions. The transaction is completed in a matter of seconds and it’s secure, immutable, and private. The smartest thing is that even those and not utilizing a checking account or credit/debit card can send crypto funds making online buying and taking part in accessible for all. While nearly all of on-line on line casino users proceed to cooperate with their favourite golf equipment in a standard format, there are more and more virtual institutions that function on cryptocurrency.
Fast payouts (under-30-minutes kind of fast) are additionally an advantage of Bitcoin casino websites. If you need to get in contact with considered one of BC Game’s certified brokers, you probably can go along with stay chat, e mail, or 3 social media platforms. That said, all of your deposit bonus funds are unlocked incrementally as you continue inserting wagers. BC Game’s on line casino library is jam-packed with 6,000+ basic titles, and there’s a full-fledged sportsbook to explore in between wagers.
Red Dog Casino is a Curacao-licensed operator that has long earned an excellent status among gamblers worldwide. It can be a fantastic selection when you try for an exceptionally optimized bitcoin mobile casino.
Like most rivals at present, this bitcoin on line casino presents e-mail and live chat as choices to reach out. Cloudbet buyer support brokers are available around the clock and, regardless of your problem, will all the time be two easy clicks away from fixing it. They state to make sure the shopper service’s efficiency and friendliness. We have encountered a few unfavorable feedback, although, yet all of them have been resolved within 2 days. Blockchain know-how takes crypto casinos and prime bitcoin playing websites to another level.
Bitcoin Casino Welcome Offers are often within the form of match deposits. Bonuses are one of many key tools that casinos use to entice new players to register with them. Some are, admittedly, better than others, but it’s price mentioning that Bitcoin on-line on line casino bonuses are a variety of the greatest you’ll have the ability to claim. Bitcoin casinos additionally usually supply a lot bigger bonuses than their traditional counterparts. Bovada, for example, presents an as a lot as $3,750 bonus for Bitcoin deposits, while traditional payment strategies only receive $3,000.
Your email address:
Send post to email address, comma separated for multiple emails.
|
finance
|
https://vailsymposium.org/speaker/david-de-jong/
| 2023-12-04T23:26:30 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100535.26/warc/CC-MAIN-20231204214708-20231205004708-00721.warc.gz
| 0.965116 | 124 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__116730795
|
en
|
David de Jong is a journalist and author. His first book, “Nazi Billionaires,” is published in the US and the UK by HarperCollins and will be translated in more than twenty languages from English. He spent four years reporting from Berlin while researching and writing this book. De Jong previously covered European banking and finance from Amsterdam and hidden wealth from New York for Bloomberg News. His work has also appeared in the New York Times, the Wall Street Journal, and Bloomberg Businessweek. A native of the Netherlands, he currently lives in Tel Aviv and works as a Middle East correspondent for the Dutch Financial Daily.
|
finance
|
https://www.lymetalk.net/lyme-academy-college-of-fine-arts/
| 2024-02-27T03:02:35 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474670.19/warc/CC-MAIN-20240227021813-20240227051813-00599.warc.gz
| 0.93451 | 3,966 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__205234260
|
en
|
Can You Afford To Attend Lyme Academy College Of Fine Arts
Once you have a Net Price estimate, youll want to figure out whether your family can afford to pay Lyme Academy College of Fine Arts tuition and costs. Once again, the Net Price is the total cost of attending, minus the aid you can expect to get . It’s the amount you’d have to cover yourself.
The US government has come up with a standardized way to calculate how much a typical family can afford to pay without help. They call this the Expected Family Contribution, or EFC.
As an example, a family that brings home $80,000 in income before taxes, with no assets and no other children in college, has an EFC of around $7,000. This is the amount the government thinks that family can reasonably pay, and the school will have to step in and cover the rest.
Colleges use this number as a guideline to decide how much aid to give you, but it’s just a guideline. Some schools will be stingier with aid, and you’ll have to pay more than the government’s suggested EFC.
So we’re going to calculate your EFC and compare it to Lyme Academy College of Fine Arts’s Net Price. If the Net Price is higher than the EFC, the school will cost more than you can typically afford. It’s a simple equation:
Net Price – Expected Family Contribution = Deficit
We’ve constructed a simple tool to figure out whether Lyme Academy College of Fine Arts is affordable for you:
Estimated 4 Year Cost At Published Tuition
At the current published rates, an estimated total tuition, fees and living expense price for a 4 year bachelor’s degree at Lyme Academy College of Fine Arts is $171,676 for students graduating in normal time. This methodology for estimating the 4 year cost is a straight multiple of the most recent reported annual total cost and does not factor in tuition increases during the time you’re in school. It also assumes you receive no grant or scholarship aid and pay the full list price.
A potentially more accurate but less conservative estimate of a degree cost can be made by using the school’s annual $22,997 in-state net price as the basis. Applying this cost over 4 would estimate the cost of a degree at $91,988**
If you end up on the “five year plan” and need an additional year to graduate, your five year cost could be as high as $214,595 or $114,985 using an average net price.
**Based on a 4 year multiple of Average Annual Net Price for students receiving grant or scholarship aid reported to the U.S. Department of Education’s 2019/2020 IPEDS Survey. Financial aid is only available to those who qualify. Consult this school’s net price calculator for further understanding of your potential net price.
How Much Debt Is Typical For Students At Lyme Academy College Of Fine Arts
Aside from grants, the other major way to pay for college is with student loans. Student loans arent free sums of money – you borrow a certain amount to attend Lyme Academy College of Fine Arts, and then pay it back with smaller monthly payments after you graduate.
The more student loan money you borrow, the more debt youll end up with after graduation. Ideally, you want to minimize your student debt as much as possible. Less debt means less of a financial burden once you leave school.
Its generally a bad sign if a school has many students taking out a lot of loans. This indicates that graduates have to worry about paying back big sums of money once they leave school.
To address the amount and type of debt that students take on, this section will cover:
Lets see what students at Lyme Academy College of Fine Arts have to deal with:
Read Also: Do Antibiotics Cure Lyme Disease
Data Sources: Irs Forms 990
The Form 990 is a document that nonprofit organizations file with the IRS annually. We leverage finance and accountability data from it to form Encompass ratings. .
Impact & Results
Not Currently Scored
Lyme Academy of Fine Arts Inc. cannot currently be evaluated by our Impact & Results methodology because either it is eligible, but we have not yet received data we have not yet developed an algorithm to estimate its programmatic impact its programs are not direct services or it is not heavily reliant on contributions from individual donors.
Note: The absence of a score does not indicate a positive or negative assessment, it only indicates that we have not yet evaluated the organization.
Spent in most recent FY
Percent of program expenses
LYME ACADEMY COLLEGE OF FINE ARTS IS A FOUR-YEAR, NATIONALLY-ACCREDITED COLLEGE OFFERING BACHELOR OF FINE ARTS DEGREES IN DRAWING, ILLUSTRATION, PAINTING, AND SCULPTURE. ITS MISSION IS TO PROVIDE THE … LYME ACADEMY COLLEGE OF FINE ARTS IS A FOUR-YEAR, NATIONALLY-ACCREDITED COLLEGE OFFERING BACHELOR OF FINE ARTS DEGREES IN DRAWING, ILLUSTRATION, PAINTING, AND SCULPTURE. ITS MISSION IS TO PROVIDE THE BEST EDUCATION IN DRAWING, ILLUSTRATION, PAINTING, AND SCULPTURE THROUGH STUDY OF THE HISTORY, TRADITIONS, AND PRINCIPLES OF THE FINE ARTS AND THE LIBERAL ARTS, THEREBY ESTABLISHING A COMPREHENSIVE FOUNDATION FOR THE DEVELOPMENT OF THE ARTIST.
Culture & Community
Get The International Student Newsletter
About International Student
Our vision is to be the company that best recognizes and serves the needs of international students around the world. We strive to provide students world-class resources to help them investigate and pursue an international education, through relevant content, custom online tools and engaging websites that offer only best in class products and services.
You May Like: Can Lyme Disease Cause Multiple Sclerosis
Student Loans And Debt
The second consideration after understanding the cost of college is determining how to finance it. Some students are fortunate enough to have some form of family financial assistance, but student loans end up financing a significant portion of higher education in the U.S. 69% of Lyme Academy College of Fine Arts students receive U.S. Federal Student Loans with an average annual Federal Loan aid amount of $10,398.
Finally: Is This Price Really Worth It
Chances are, college won’t be cheap. Even if you have a few top choice schools in mind like Lyme Academy College of Fine Arts, it’s still useful to explore broadly.
A few questions to ponder:
- How much better off will you be if you attend Lyme Academy College of Fine Arts as opposed to a similar, but cheaper, school?
- Have you considered a range of private and public schools? Big and small?
- What if you didn’t attend college at all? (This is extreme, but just worth considering even for a second.
Here’s our take: college will be a really important stage in your development. Going to a better, more reputable college will usually pay off in the long run. By going to a better college, you’ll be surrounded by a more interesting community, find it easier to land a job, and open up opportunities.
To determine the value of Lyme Academy College of Fine Arts, we’re going to rely on reputable ranking lists. These consider factors like reputation, student selectivity, income after graduating, and more to determine the value of a school.
Read Also: Elisa Test For Lyme Disease
Things To Do In Richmond Hill
Richmond Hill is best known as the home of Canadas largest telescope, housed in the citys famed David Dunlap Observatory, opened in 1935. Aside from an evening under the stars, you can take in regular programs, lectures and events. Learn all about astrology and the mysteries of space with your entire family, the observatory features family-friendly programming several times throughout the year.
Before observing the celestial, you can step back in time and visit the Richmond Hill Heritage Centre. The museum features a fully restored Regency-style home from the 1840s. Aside from its superb example of regional architecture, the centre also offers a comprehensive display of the areas history. Learn about industries such as lumber, iron, agriculture and distilleries. Enjoy the centres historic home and surrounding park with a cultural afternoon tea.
Richmond Hill also features an abundance of outdoor opportunities. Youll find popular green spaces like Lake Wilcox home to three recreational parks in the northern part of the city. You can fish, paddle, swim, windsurf or have a leisurely picnic on the shore. Other attractive green spaces include Crosby Park, Oak Ridges Corridor Conservation Reserve and Heron Pond.
Pell Grants And Other Grant Aid
100% of Lyme Academy College of Fine Arts students received grant aid in 2019/2020. The average total aid amount was $12,308. 38 percent of students received aid in the form of Pell Grants from the U.S. Federal Government. The average Pell Grant awarded for 2019/2020 was $4,250. To apply for a Pell Grant to attend Lyme Academy College of Fine Arts, the first step is to fill out the Free Application for Federal Student Aid .
|Financial Aid Summary
|45.5% less expensive
Also Check: Are Lyme Disease Tests Accurate
% Of Students Get Any Aid
This is 8% HIGHER than the average for Private not-for-profit schools, which is 92%.
This is good news – more students getting financial aid means students at Lyme Academy College of Fine Arts are likely getting a pretty good deal on their education. It could also mean the school skews toward lower income students.
Next, we’ll look at actual aid amounts and student debt to dig deeper.
% Get Any School Grants
This is 18% HIGHER than the average for Private not-for-profit schools, which is 82%.
Because more Lyme Academy College of Fine Arts students get institutional aid, it likely offers relatively competitive financial aid. This means fewer students will need to take out loans to pay for college.
The amount of money that students actually get is just as important than the percent of students who get grants. If you receive a grant, youll want it to be big enough to do you some good.
Don’t Miss: Lyme Disease Symptoms In Toddlers
Average Grant Award: $12308
This is $4180 LOWER than the average for Private not-for-profit schools, which is $16488.
Altogether, this is mixed news – at Lyme Academy College of Fine Arts, MORE students get aid, but the ones who do get LESS than average. This may mean that it’s easier for you to qualify for Lyme Academy College of Fine Arts financial aid, but the help you get will be lower than at other schools.
How Generous Is Lyme Academy College Of Fine Artss Financial Aid
The grant dollar amounts weve seen so far have included aid from all sources – both federal and institutional. Schools dont have much control over how much federal aid students can qualify for , but they do their own financial aid dollars and how theyre used.
To figure out how strong Lyme Academy College of Fine Artss own financial aid program is, well look at how they award their own financial aid dollars. The more students receive aid directly from the school , and the bigger the award amounts, the better the financial aid program.
Lets see how generous Lyme Academy College of Fine Arts is with its students:
Don’t Miss: Foods To Avoid With Lyme Disease
Lyme Academy Of Fine Arts Inc
Old Lyme CT | IRS ruling year: 1991 | EIN: 06-0942210
THE MISSION OF LYME ACADEMY COLLEGE OF FINE ARTS IS TO EDUCATE ASPIRING ARTISTS THROUGH A RIGOROUS STUDIO CURRICULUM ROOTED IN FIGURATIVE AND REPRESENTATIONAL ART. S … THE MISSION OF LYME ACADEMY COLLEGE OF FINE ARTS IS TO EDUCATE ASPIRING ARTISTS THROUGH A RIGOROUS STUDIO CURRICULUM ROOTED IN FIGURATIVE AND REPRESENTATIONAL ART. SEE SCHED O.
There was an error checking for CN Advisories. Please try refreshing the page
What Would It Cost You To Attend Lyme Academy College Of Fine Arts
Finally, we get to the bottom line: what will Lyme Academy College of Fine Arts actually cost YOU? Every family has a different situation, and depending on your income level, you’ll have to pay more or less to go to college.
What is Net Price, and Why Does it Matter?
Above, we’ve covered Lyme Academy College of Fine Arts’s Cost of Attendance . We also covered its typical financial aid in grants, loans, and scholarships.
The Net Price is the total cost minus the total aid given. In other words, this is the price you have to pay to the school out of pocket. The lower the school’s cost, and the more aid you get, the lower the Net Price.
We’ll cover two ways to get your Net Price for Lyme Academy College of Fine Arts – the fast way, and the precise way.
Read Also: When Do Lyme Disease Symptoms Appear
Lyme Academy College Of Fine Arts Tuition And Financial Aid
This guide is designed to answer one question for you: How are you going to afford Lyme Academy College of Fine Arts?
You probably know that planning for expenses is an important part of the college application process. What you may not know is how many different things you need to keep track of to pay tuition and apply for financial aid.
Here’s what we’ll cover:
- How much does Lyme Academy College of Fine Arts tuition cost?
- How much financial aid do students at Lyme Academy College of Fine Arts usually get?
- How much debt is typical for students at Lyme Academy College of Fine Arts?
- How much will Lyme Academy College of Fine Arts cost YOU, and can you actually afford it?
- Is Lyme Academy College of Fine Arts a good value for you?
- What are other schools that might be a better value than Lyme Academy College of Fine Arts?
School location: Old Lyme, CT
How Much Does Lyme Academy College Of Fine Arts Cost
Knowing what a school costs is Step #1 in managing college costs. Theres more to think about than just the tuitionyou also have to factor in where you’ll live, what you’ll eat, and more while attending Lyme Academy College of Fine Arts.
The “Cost of Attendance” is the total amount of money the average student has to pay, WITHOUT any financial aid, to attend a particular school. Think of it as a schools sticker price. It includes not just Lyme Academy College of Fine Arts tuition and fees, but also room, board, textbooks, and personal expenses.
Heres the Cost of Attendance breakdown for Lyme Academy College of Fine Arts:
- Tuition and Fees $29616$29616
- Room & Board, Off-Campus$8898
- Typical Total Cost for Off-Campus StudentsTypical Total Cost for Off-Campus Students $42514 $42514
Exclusive: Want to get into Lyme Academy College of Fine Arts with higher chances?Learn how to improve your SAT score by 160 points.
on the top 5 strategies you must be using to improve your score. This guide was written by Harvard graduates and SAT perfect scorers. If you apply the strategies in this guide, you’ll study smarter and make huge score improvements.
You May Like: Late Stage Lyme Disease Recovery
% Get Any Grant Money
This is 11% HIGHER than the average for Private not-for-profit schools, which is 89%.
Although its useful to know how many students get grant aid, its also important to know how much grant aid people tend to receive. The bigger the average grant award, the better.
So how much grant money do students at Lyme Academy College of Fine Arts tend to receive?
Estimated Future Cost And Expected Tuition Increase
What will it cost to send your child to Lyme Academy College of Fine Arts in the future? Nationally, university tuition prices are rising around 5% per year. Looking out five, ten, fifteen or eighteen years, these are CollegeCalc’s estimates how much you could expect to pay for a 4 year degree assuming tuition increases at the national average rate. Estimated future prices are based on the current 4 year cost of $171,676.00. Use the college savings plan calculator below to perform a more comprehensive analysis on future costs and how much you will need to save for Lyme Academy College of Fine Arts.
College Cost Analysis.
- CollegeCalc is a source for students and parents seeking college pricing data and higher education cost calculation. Learn more.
- Terms of Service
- All school data is sourced from the U.S. Department of Education IPEDS Surveys for school years 2020-2021 and 2019-2020 and is in the public domain. Site data was last updated in February 2022 This site is not affiliated with or endorsed by the U.S. Department of Education. We believe the content represented on this website to be correct yet make no guarantee to its accuracy. CollegeCalc.org has no direct affiliation with the schools presented on this website and the school names are the property of their respective trademark owners.
If you represent a school and believe that data presented on this website is incorrect, please contact us.
© 2022 CollegeCalc.org. All rights reserved.
Don’t Miss: How Do You Get Tested For Lyme Disease
Lyme Academy College Of Fine Arts Now An Affiliate Of The University Of New Haven
University of New Haven
We represented the University of New Haven in connection with the affiliation of Lyme Academy College of Fine Arts in Old Lyme, Connecticut with UNH. This exciting opportunity for UNH allows UNH to enhance its experiential learning opportunities in the fine arts and adds to its growing footprint of campuses throughout Connecticut and beyond. In connection with the rare affiliation of two institutions of higher learning, a team of attorneys and paralegals at the firm addressed the many legal issues presented – ownership, corporate governance, 501 and other tax matters, endowment and charitable giving matters, accreditation and regulatory consents, human resources, employee benefits, faculty, staff and student matters, real estate, environmental matters, housing , degree requirements, financial aid, accounting, and lender consents.
|
finance
|
https://kinbox.com/teaching-kids-the-value-of-money/
| 2023-09-21T21:40:50 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506045.12/warc/CC-MAIN-20230921210007-20230922000007-00716.warc.gz
| 0.96923 | 997 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__266655634
|
en
|
Money is far from the most important thing in the world, but our lives are certainly more difficult when we don’t have enough.
Recent reports say levels of debt are at an all-time high, specifically the amount owed on loans and credit cards. Many young people find themselves saddled with student loans that can take years to pay off, eating into rewards from the careers they work hard to build.
By making sure they are money-wise at a young age, we can help our children develop skills and attitudes to money that will serve them well throughout their lives.
Age 5 and under
- Show them the difference between different banknotes and coins. For young kids, size matters – they’ll choose a 10p piece over a 20p, or a nickel (five cents) instead of a dime (ten cents). Let them examine your coins – make sure they don’t put them in their mouths – and talk about the different values. Ask them to identify the different ones – ‘Which one is 50p?’ or ‘Which note is worth ten dollars?’
- Play ‘shop’. Kids love this game. Save empty packets and boxes from food and household goods, make pretend money out of paper – or buy toy versions if you prefer. This is a great way for kids to learn the basics of commerce, as well as developing their imaginations through role-play.
- Clip coupons. If you have money-off vouchers, explain what they are for. Give them to your child and ask them to look out for the relevant products when you go shopping. You can also point out any in-store offers, such as ‘three for the price of two’. Afterwards, look at your receipt with them and work out how much money you’ve saved by choosing the special offers.
Age 10 and under
- Introduce them to the concept of saving. Most children of this age receive a small allowance or pocket money, often in exchange for helping with household chores; if not, perhaps they receive money as gifts for Christmas and birthdays. Explain that for every pound, dollar or unit of your local currency they manage to save each month, you will double it (or give them an additional amount that works for you). They will find watching their cash increase over time exciting and be motivated to carry on.
- Help them open their own bank account. Many banks offer special accounts for children with benefits such as higher interest rates, free gifts or discounts at popular attractions. Use the experience as a learning opportunity, comparing the rates or rewards from several different banks and discussing which would be the best option. They will also enjoy the grown-up feeling of lining up to see the cashier with their own paying-in book.
- Car-boot and table-top sales are popular in the UK, as are yard-sales in the US. This is a good way to pass on unwanted clothes, toys and possessions and make extra money, sometimes for charity. There’s no reason why your child can’t be in charge, making decisions such as how much to charge for different items and agreeing on the discounts you’ll allow when haggling with customers.
- When they’re older, there’s no reason why your child shouldn’t learn how to manage a household budget. Sit down with them to discuss how much money comes into the home and how much goes out on essential costs such as utility bills. Talk about what’s left and how ‘disposable income’ works. If they had to make cuts, what would they do – give up a premium satellite television package or spend less on food bills? What would influence their choice? If you don’t want to disclose your true income, use percentages.
- Work with them to apply what they’ve learned to their own ‘budget’. How much of their allowance will they spend on magazines, cosmetics or treats? What about making sure they can top up their mobile phone credit or putting some aside for savings? Talk about the difference between ‘wants’ and ‘needs’. You can also introduce the idea of paying interest – if they run out of money and ask to borrow, explain that if it takes them more than two weeks to pay it back, you will add on a percentage to what they owe you. More than a month, you’ll add on a higher percentage.
- Teach them how to compare prices in the shops. If an item comes in different sizes according to brand, how would they work out which is cheaper? Look at the difference between own-label and branded products, and discuss how a difference in quality also plays a part in your choice. Which do they think would be the most economical?
|
finance
|
https://www.sevenlifeareas.com/blog/why-is-fundamental-analysis-important
| 2021-10-22T01:10:48 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585449.31/warc/CC-MAIN-20211021230549-20211022020549-00514.warc.gz
| 0.946779 | 111 |
CC-MAIN-2021-43
|
webtext-fineweb__CC-MAIN-2021-43__0__258273060
|
en
|
Fundamental analysis gives you the actual reason of why assets move. For stocks, it is the intrinsic value of the company and thus over time, the price should slowly revert to that value (that can vary through time). With currencies, fundamental analysis is mainly used relatively and through many macroeconomic models that compare countries with each other. With commodities, fundamental analysis is mainly a supply and demand forecast.
The order of importance does not matter just as long as you put fundamental analysis first when dealing with long-term views.
Always do your due diligence.
|
finance
|
https://www.byoungdesign.com/post/how-much-does-it-cost-to-become-an-architect
| 2024-04-22T08:35:49 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818105.48/warc/CC-MAIN-20240422082202-20240422112202-00398.warc.gz
| 0.953635 | 1,019 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__165729760
|
en
|
HOW MUCH DOES IT COST TO BECOME AN ARCHITECT?
Whether you are looking to pursue a career in architecture or just trying to better understand the industry, we think it’s important to understand the financial effort that goes into becoming a licensed architect. This blog breaks down the cost of each step of becoming an architect in the US and suggests additional fees that aren’t always accounted for.
The cost of becoming an architect ranges based on where you study so we’ll use some tuition averages. In the 2021 - 2022 academic year, the average tuition cost for a Bachelor of Architecture degree was $32,320 per year. Therefore, we are going to assume that a typical 5-year undergraduate program costs an average of $161,600.
As an architect, you aren’t required to pursue a Masters degree, but because many do, we will include this in our calculation. Master of Architecture programs average $29,078 a year and range from 1-3 years so we will account for a total of $58,156 for a 2-year graduate program.
While in school, architecture students are required to purchase a laptop, software, books and drawings and modeling materials. This number can range greatly so we aren’t going to include it in our final calculation, but we thought it was important to mention.
In addition to a degree, aspiring architects are required to complete 3,740 hours across six knowledge sectors. This is typically done through internships while in school and/or the first few years working in the industry. These hours are logged through NCARB’s Architectural Experience Program (AXP). The registration fee to join AXP is $100 and the yearly renewal fee is $85. While it only takes about 2 years to complete the required hours, we are going to assume that it will take a minimum of 3 years to be ready to take the architecture exams. Therefore, an aspiring architect would need to track their hours through AXP for 3 years totaling $255.
While the only registration required is the AXP, there are many other organizations that aspiring architects choose to join for various reasons including networking, continuing education and volunteering. Someone might join the Architects Institute of America for an annual fee of $160 for access to networking and other architecture-related events while someone else might join the U.S. Green Building Council for an annual fee
of $129 in order to gain access to sustainability-related events. Or, someone might join both plus some other organizations! As you can see, they all range in price and joining depends on an individual's interests so we won't include these membership fees in our total cost.
Once an aspiring architect is ready to take their exams, they must apply for eligibility. In California, the fee to do so is $100. Once they are approved, they can start taking the exams.
There are 6 total Architect Registration Examinations (AREs). Each exam costs $235, however, most people fail at least 2 of the exams so we are going to account for 6 exams and 2 failed exams in our total calculation of $1,880.
After taking the AREs, aspiring architects in California must take the California Supplement Exam (CSE). The cost of this exam is $100. Once the exam is passed, there is an initial license fee of $300.
While there are many free resources to assist in studying, many people purchase study materials like books and/or subscriptions to online study classes. These resources range in price and the need varies per individual so we are not including this in our subtotal.
Considering education, experience and exams, the total cost of becoming an architect is just over $222,000. The table below summarizes all the costs included in the path to licensure. However, once an architect becomes licensed, there are other costs associated with maintaining a license including the yearly $225 renewal fee as well as the transfer fees to become licensed in other states.
Bachelor of Architecture Degree
based on the average tuition
Masters of Architecture Degree
based on the average tuition
Architectural Experience Program (AXP) Registration
one time fee
Architectural Experience Program (AXP) Yearly Renewal
yearly fee: $85 x 3 years
California Architects Board - Application for Eligibility Evaluation
one time fee
Architect Registration Examinations (AREs)
($235 x 6 exams) + ($235 x 2 failed exams)
California Supplemental Exam (CSE)
$100 x 1 exam
California Architects Board - Initial License Fee
fee due immediately after passing CSE
SOURCES / ADDITIONAL RESOURCES
|
finance
|
https://expertdth.com/swiftcash-india-your-fast-track-to-hassle-free-loans/
| 2023-09-22T19:17:10 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506421.14/warc/CC-MAIN-20230922170343-20230922200343-00560.warc.gz
| 0.902997 | 1,391 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__108341705
|
en
|
SwiftCash India Your Fast Track to Hassle Free Loans is a great title that emphasizes speed and convenience in obtaining loans through your app. This title suggests that users can expect a streamlined and stress-free experience when applying for loans, which can be a strong selling point for your loan app in India. It conveys a sense of efficiency and ease, which are often key factors that users look for in a loan application process.
SwiftCash India loan registration process :
The loan registration process on the SwiftCash India app is designed to be quick and user-friendly, ensuring a hassle-free experience for our users. Here’s a step-by-step overview of how the registration process works:
Step 1: Download and Install
Download the SwiftCash India app from the Google Play Store (or Apple App Store) and install it on your smartphone.
Step 2: Sign Up
Open the app and tap on the “Sign Up” button.
Provide your mobile number and email address.
Create a secure password for your account.
Step 3: Verify Identity
You’ll receive a One-Time Password (OTP) on your registered mobile number. Enter the OTP to verify your identity.
We may ask you to provide additional information for identity verification, such as your Aadhar card or PAN card details.
Step 4: Personal Details
Fill in your personal details, including your name, date of birth, and gender.
Provide your current residential address and permanent address if different.
Step 5: Employment Information
Enter your employment details, including your occupation, monthly income, and employer information.
Upload any necessary documents, such as salary slips or employment verification letters.
Step 6: Loan Requirements
Specify the type of loan you are interested in (personal, business, education, etc.).
Enter the loan amount and tenure you’re seeking.
Step 7: Financial Information
Provide details about your existing financial obligations, such as other loans or credit card debt.
Share your bank account details for loan disbursement and repayment purposes.
Step 8: Review and Submit
Review all the information you’ve entered to ensure accuracy.
If everything looks correct, submit your registration.
Step 9: Loan Offers
Once your registration is submitted, our system will analyze your information.
You’ll receive personalized loan offers based on your profile and requirements.
Step 10: Choose a Loan Offer
Browse through the loan offers presented to you.
Select the offer that best suits your needs, taking into consideration interest rates, repayment terms, and other relevant details.
Step 11: Document Submission
Upload any required documents to complete your loan application.
This may include proof of income, identity documents, address verification, and more.
Step 12: Loan Approval
Our team will review your application and documents.
Upon approval, you’ll receive a confirmation with loan details, including the approved amount, interest rate, and repayment schedule.
Step 13: Disbursement
Once approved, the loan amount will be disbursed to your registered bank account.
Congratulations! You’ve successfully registered and applied for a loan through the SwiftCash India app. Our user-friendly interface and streamlined process ensure that you can access the funds you need quickly and conveniently.
SwiftCash India Loan Return Process :
The loan return system on the SwiftCash India app is designed to make the repayment process straightforward and convenient for our users. Here’s an outline of how the loan return system works:
Repayment Schedule Information:
After you’ve been approved for a loan, you’ll receive detailed information about your repayment schedule, including the due dates, installment amounts, and the total repayment period.
SwiftCash India offers multiple convenient payment methods for loan repayment, including:
Auto-Debit: Set up automatic deductions from your registered bank account on the scheduled due dates.
Online Payments: Make repayments directly through the app using net banking, debit cards, credit cards, or mobile wallets.
NEFT/IMPS: Transfer funds manually from your bank account using NEFT or IMPS to SwiftCash India’s designated account.
Receive timely reminders and notifications about upcoming installment due dates.
Get notified about successful payments and confirmation of payment receipts.
View Payment History:
Access a record of your repayment history within the app.
Review your past payments and track your progress toward completing the loan.
Early Repayment and Prepayment:
SwiftCash India encourages responsible financial management. You may have the option to make early repayments or prepay the loan without incurring additional charges.
If you encounter any issues or have questions about the repayment process, SwiftCash India’s customer support is available through the app, website, or contact details provided.
Your payment details and transactions are secured with the latest encryption and security measures, ensuring your financial information remains confidential.
Grace Period and Penalties:
SwiftCash India may offer a grace period for missed payments, allowing you some extra time to make the payment without penalties.
Late payment fees or penalties, if applicable, will be clearly communicated in your loan agreement and terms.
Updating Payment Information:
If you need to update your registered bank account or payment method, you can do so through the app’s settings.
Loan Repayment Completion:
Once you’ve successfully completed all the loan repayments according to the agreed schedule, you will receive confirmation of the full repayment.
Remember that the specifics of the loan return system may vary based on the loan products offered by SwiftCash India and the terms of your loan agreement. Always refer to your loan agreement and the app’s guidance for accurate and up-to-date information regarding loan repayment.
Conclusion About Taking Loan In SwiftCash India :
In conclusion, opting for a loan through SwiftCash India offers an exceptional and user-centric borrowing experience. With a user-friendly mobile app, the platform streamlines the loan application process, ensuring efficiency and convenience.
Transparent terms, personalized loan options, and clear repayment schedules empower borrowers to make well-informed financial decisions. SwiftCash India’s commitment to security and privacy safeguards users’ sensitive information, while timely notifications and diverse repayment methods enhance the overall borrowing journey.
The platform’s emphasis on responsible lending, flexibility, and accessible customer support reflects its dedication to meeting individual financial needs. Choosing SwiftCash India signifies not only gaining access to essential funds but also embarking on a journey of financial empowerment with a trustworthy and innovative lending partner.
|
finance
|
http://rispace.org/attend/value-added-tax/
| 2017-04-24T11:09:20 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917119356.19/warc/CC-MAIN-20170423031159-00508-ip-10-145-167-34.ec2.internal.warc.gz
| 0.896996 | 261 |
CC-MAIN-2017-17
|
webtext-fineweb__CC-MAIN-2017-17__0__47363306
|
en
|
Note: After a 2016 ruling, VAT is no longer applied to Reinventing Space delegate tickets
UK Value Added Tax (VAT) at 20% is shown separately within the delegate price.
Once your payment is made, your issued invoice is also a VAT receipt.
If you are not domiciled within the European Union (EU), Reinventing Space 2015 is categorised as a ‘trade fair’ and certain categories of attendees may reclaim the VAT portion of the conference cost (along with accommodation and travel costs). For further information, please visit the official UK tax office web page at www.hmrc.gov.uk/vat/managing/international/nonEU-visits.htm.
If you are domiciled within the EU but not the UK, certain categories of attendee may also reclaim VAT. The official UK tax rules are specified here:www.hmrc.gov.uk/vat/managing/international/EU-visits.htm.
If you or your organisation are VAT registered within the UK, your normal VAT procedures apply.
Please note that the Reinventing Space Conference must apply VAT under UK law but cannot become involved, outside the issue of the tax receipt, in further issues involving VAT rebates.
|
finance
|
http://www.st-cpas.com/scott-sanders.php
| 2017-02-19T23:54:42 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-09/segments/1487501170286.6/warc/CC-MAIN-20170219104610-00137-ip-10-171-10-108.ec2.internal.warc.gz
| 0.968747 | 1,775 |
CC-MAIN-2017-09
|
webtext-fineweb__CC-MAIN-2017-09__0__238755567
|
en
|
Scott Sanders, CPA, PFS, CGMA, CFP®, CFS
"I give strategic tax and accounting advice to my clients so they can reach their financial and business goals."
Scott matches striking technical acumen with a tireless work ethic. He has extensive experience in all aspects of federal, state, and local taxation for corporations, individuals, and estates, as well as tax planning, estate planning, and estate and trust tax preparation.
When Scott works with clients, he always provides them with the "what if" view; this gives them a range of scenarios to help them plan accordingly for the future growth of their business and individual prosperity. But that's just the way Scott operates; combining acute business expertise with a strong grasp of the present and a view to how it will affect the future.
Scott has used his 34 years of accounting experience to build up an extensive portfolio of diversified clients, including high-net-worth individuals and closely held businesses in manufacturing, real estate, and public relations, among others. His eye for detail and "client first" business philosophy are only just a few of the reasons why clients are so loyal to him. He tailors his services to focus in on each individual client's needs, which is why he is considered such an exceptional accountant and business advisor.
Scott Sanders is a 1980 graduate of Queens College, New York with a Bachelor of Arts in Accounting. Scott is a member of the American Institute of Certified Public Accountants (AICPA), the New York State and the New Jersey State Society of CPAs. Scott retains his license as a CPA in both New York and New Jersey. In July 2012, Scott became a CGMA (Chartered Global Management Accountant) through the AICPA. Scott is a Certified Financial Planner (CFP), having received his license from the College of Financial Planning in Denver, Colorado. Scott has also received from the AICPA, his license as a Personal Financial Specialist (PFS) and his license as a Certified Fund Specialist (CFS) from the Institute of Business and Finance. Scott received his NASD Series 6 license in November 1996 and his Series 63 in December 1996. Scott received his NASD Series 26 license in November 2002 and Series 24 in August 2004, which allows him to act in the capacity of an Office of Supervisory Jurisdiction (OSJ) for his broker-dealer. Then, in April 2004, he received his Series 7 license. Scott became licensed in February 1999 to sell life, accident and health insurance in New York State. Scott also became a Qualified Guardian under Article 81 in 2002 and a Qualified Special Needs Trustee under Part 36 through the Nassau Academy of Law in 2003, and a Qualified Accountant by the Chief Administrator before the New York State Unified Court System in 2003. Scott has been a notary public since November 1980.
Scott Sanders has extensive experience in trusts and estates – planning and preparation, surrogate accounting, working closely with trust and estate attorneys and fiduciaries, working with high-net-worth individuals in all stages of planning and taxes, providing family office services, in addition to all aspects of federal, state, and local income taxation for corporations, individuals, trusts and estates, specializing in the restaurant and retail industry, as well as tax planning, trust and estate planning and compliance and surrogate accountings for the Court. Scott’s industry experience is closely held businesses, high-net-worth individuals, manufacturing, public relations, real estate, restaurants, and jewelry. Scott had retained a presence in St. Thomas, Virgin Islands from 1981 to 2005, handling various tax and accounting matters for clients located on the Island. As a practicing financial advisor, he advises high-net-worth individuals on areas of strategic planning services as varied as investment analysis, professional money managed accounts, cash flow analysis, insurance, estate and gift tax planning, the formation of family limited partnerships, creation of private foundations and charitable tax planning. As an individual involved with the personal business management of high-net-worth clients, Scott is involved in services that range from establishing retirement accounts such as 401-K's, defined benefit and defined contribution plans, family office services such as bill paying, managing the details of multiple residences and vacation properties, evaluating health, property and life insurance needs and negotiating the purchase/lease of automobiles, boats and aircrafts. Scott merged his private practice in 1995 to form the firm of Lazar Sanders, LLP and then merged in 2006 to form Lazar Sanders Thaler & Associates, LLP, and in 2010, formed Sanders Thaler & Associates LLP. In 2012 the firm changed its name to Sanders Thaler Viola & Katz, LLP, currently employing 26 professionals.
Scott Sanders is a past Board Member of the Long Island Cabinet of the State of Israel Bonds (1999-2006) and a past Board Member of the American Culinary Federation Long Island Chapter (1998-2005) serving as a consultant. He was also a past member of the Long Island Advisory Board of USA Bank in Port Chester, NY (2006-2008). He is a Board Member, and past Treasurer and Executive Vice-President of the National Conference of CPA Practitioners (NCCPAP) for the Nassau/Suffolk Chapter (2001-2008) and was the Chair of the Sponsorship Committee for the NCCPAP Long Island Tax Symposium for 2003, 2004, and 2008. He is a current member of the Estate Planning Council of Nassau County (since 2003) and of Suffolk County (since 2012). Scott is a Board member of the Financial Planning Association of Long Island (FPA LI) and is currently the chapter Treasurer. He is a past member of the FPA LI’s Membership Committee (2005-2011). Scott is also a member of the New York State Society of Certified Public Accountants (NYSSCPA), Nassau Chapter. Scott was an Executive Board Member of the NYSSCPA, Nassau Chapter (2008-2010), a past Treasurer (2010-2011), Vice-President (2011-2012), and President (2013-2014). Scott is also Co-Chairman of the NYSSCPA-Nassau Chapter Sponsorship Committee (since 2009), the Small Firm MAP Committee (since 2005), and the Estate & Financial Planning Committee (since 2013).
Scott Sanders has lectured for American Express Financial Advisors, Inc. and consulted on various tax issues. Scott has lectured during the National Conference of CPA Practitioners (NCCPAP) Long Island Tax Practitioner Symposium from 2005 to 2008 and continues to lecture before the NYS Society of CPAs (NYSSCPA)-Nassau Chapter Small Firm MAP Committee since July 2005.
Scott Sanders has been quoted in the September 1998 issue of the Practical Accountant regarding the new 1997 Internal Revenue Service Tax Laws; quoted by producer, Joanne LaMarca of The Today Show in Business This Week, regarding the new 2000 tax laws; and was featured in the February 18, 2002 issue of Crain’s New York Business article titled, "The High Cost of Security." Scott was interviewed for the March 29, 2003 Long Island News Pennysaver article titled "Tax Time - Yikes!" and wrote articles in the December 31, 2003 Syosset/Jericho and Plainview, New York Tribune and the October 8, 2004 Plainview Herald - Business Review. In the August 4, 2011 issue of Long Island Business News, Scott was interviewed for the special section of "Accounting - Past, Present, Future" and spoke about moving into the paperless environment. In the August 26, 2011 issue of Long Island Business News, Scott was listed in the special section of "Who's Who in Accounting," discussing the industries trend of mergers. Scott was quoted in the January 31, 2012 issue of CPA Trendlines for the article, "Busy Season Shifts to Hi Gear." Scott was quoted in CCH's 2012/2013 Product Catalog regarding research with CCH's Federal Tax Library. In the March 10, 2013 issue of Long Island Business News, Scott was interviewed about the best time to file your tax returns. In the March 25, 2013 issue of the New York Daily News, Scott was mentioned for volunteering for the annual tax hotline to News readers. He was also interviewed for the featured portion of the Long Island Business News's Vision Section in the July 26, 2013 edition and spoke about the complexities of the accounting and tax industry, and clients' reliance on CPA's as their trusted advisor. In the April 3, 2014 edition of The Long Island Business News, Scott was interviewed about due diligence strategies for buyers/sellers of businesses.
|
finance
|
https://letstalkaboutifrs.wordpress.com/2008/07/24/why-ifrs/
| 2017-04-29T11:10:44 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917123491.68/warc/CC-MAIN-20170423031203-00496-ip-10-145-167-34.ec2.internal.warc.gz
| 0.945669 | 571 |
CC-MAIN-2017-17
|
webtext-fineweb__CC-MAIN-2017-17__0__115660618
|
en
|
Why IFRS ?
Why IFRS? Simple answer to this question is that IFRS is acceptable globally and provides a common accounting/reporting language to the world!
The history and development of international standards for accounting and auditing trails back all the way to the late 1960s, but never have they reached greater prominence than today as the world moves closer towards international convergence.
A key moment in the move to IAS/IFRS came on 6th June 2002 when the European Council of Ministers approved the regulation that would require all EU companies listed on a regulated market to prepare accounts in accordance with International Accounting Standards for accounting periods beginning on or after 1 January 2005.
With over 100 countries requiring or accepting International Financial Reporting Standards, the likelihood of companies around the globe using the same accounting standards is in view.
Never in history has there been a time when we were closer to the ideal where companies around the globe all use the same accounting standards in their financial reporting. International Financial Reporting Standards (IFRS) are now required or accepted in over 100 countries, and some estimate that number will grow to 150 countries in the next few years.
About 9,000 listed companies in Europe use IFRS, and IFRS are the accounting standards in Australia, New Zealand and South Africa. They will be the standards in Brazil starting 2010, India and Canada starting 2011. And China is phasing in IFRS for public, private and state-owned companies starting in 2007.
For accounting standards to garner worldwide acceptance they must be universally applied. Comparability is essential if “in accordance with IFRS” means that the same or similar transactions are accounted for the same way everywhere, producing financial statements in accordance with IFRS will add value. Investors would no longer need to waste time and effort to reconcile financial information as they compare similar companies from different countries. Capital would flow more efficiently, at less cost to more companies in more places.
A single system of financial reporting would benefit a host of constituents. With quality standards, consistently applied, investor understanding and confidence rises. That translates to strong, stable, liquid markets. With quality reporting, investors wouldn’t need to compensate for a lack of under-standing by demanding a risk premium. With consistent application and the resulting comparability investors and analysts have an easier time knowing how to best allocate capital. Having one financial language reduces preparation and audit costs. No longer is there a need to learn different standards, or keep current in them, at the expense of more fruitful pursuits. Regulation can be easier if properly coordinated. Education and training become easier and more focused.
Convergence of accounting standards has played a major role in the growing acceptance of IFRS. As the differences narrow between IFRS and other widely-accepted accounting systems, resistance to IFRS is beginning to fall away.
|
finance
|
https://www.depintolaw.com/blog/2022/07/compiling-necessary-divorce-documents/
| 2024-04-22T21:39:06 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818374.84/warc/CC-MAIN-20240422211055-20240423001055-00383.warc.gz
| 0.95833 | 357 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__141515246
|
en
|
Since divorce is a legal process, estranged couples entering a New Jersey courtroom should expect to present evidence. Evidence does not only refer to such things as text messages proving a spouse’s undesirable behavior. Evidence might include essential financial and other documents that establish who owns what assets and more. Properly compiling all documents necessary for smooth divorce proceedings seems advisable.
Documents to ready for divorce proceedings
A marriage certificate and deeds to all properties may first come to mind when someone asks divorcing spouses about collecting documents. Proof of marriage and home ownership is important, and so would the tax returns filed during the marriage. Filing jointly could have different consequences than filing separately since questions about tax debt may arise.
Tax documents also establish who earned how much during the year and from what sources. Presenting income and investment-related 1099s and the like might be required, too.
Submitting documents showing the costs associated with owning a home could be vital. Monthly utility bills and property tax records may factor into decisions about spousal support if one spouse receives and intends to live in the home.
Additional documents to present
Various other documents may play essential roles during divorce proceedings or court trials. Credit card statements may reveal much about the marriage’s financial health. The reports would also indicate whether the debt is jointly or solely held.
All costs related to child care could play a vital part in the court’s determinations on child support. The child’s health care, schooling and hobby-related expenses add up. The court would likely review every cost not only to arrive at a child support amount but possibly to decide on which parent should receive custody.
A dishonest spouse may try to hide assets. A thorough presentation of various documents could undermine such attempts.
|
finance
|
https://www.techknowmag.com/virtuix-raises-dollar-19mm-for-omni-one-virtual-reality-treadmill/
| 2022-10-05T09:45:14 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030337595.1/warc/CC-MAIN-20221005073953-20221005103953-00692.warc.gz
| 0.947342 | 484 |
CC-MAIN-2022-40
|
webtext-fineweb__CC-MAIN-2022-40__0__90327333
|
en
|
Virtuix announced that it has raised over $19 million from more than 6,500 investors in its Series A-2 financing round. Virtuix will use the proceeds to launch Omni One, an omni-directional treadmill for the home that lets players walk and run inside popular games and virtual worlds.
Virtuix’s “Omni” technology takes virtual reality to the next level by delivering the feeling of physically moving in VR. The treadmill’s 360-degree experience enables players to walk or run in any direction inside their favorite videogames. Backed by Mark Cuban and other major investors, Virtuix has shipped over $10 million worth of commercial Omni systems to entertainment venues in 45 countries, including top locations like Dave & Buster’s. Virtuix’s upcoming product, Omni One, is a consumer version of the Omni treadmill optimized for the home.
Virtuix worked with SeedInvest, an online investment platform, to complete its Series A-2 financing round, which included a fundraising campaign under SEC Regulation A (“Reg A”). Reg A allows qualified private companies to sell shares to non-accredited investors. Virtuix’s Reg A campaign allowed anyone to purchase shares in Virtuix, and the minimum investment was only $1,000. More than 6,500 investors participated in the round.
“We’re impressed by the outpouring of investor support for Omni One,” said Goetgeluk. “More than two million players have experienced the thrill of walking around inside videogames at our commercial venues around the world. Given our success in the out-of-home market, our investors believe we’re well-positioned to bring our popular gaming experience to millions of homes around the world.”
Omni One is a complete entertainment system that includes an all-in-one VR headset and operating software for a seamless user experience. The system will feature its own game store with 30 titles at launch, including games developed by Virtuix alongside top titles licensed from third parties. Virtuix plans to sell Omni One for $1,995 (or $55 a month on a monthly payment plan). This pricing puts Omni One in line with mid-tier gaming PCs or connected fitness gear like a Peloton bike.
|
finance
|
https://certaintyproperty.com.au/find-out-more-rent-certainty/
| 2024-03-03T16:14:25 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476396.49/warc/CC-MAIN-20240303142747-20240303172747-00887.warc.gz
| 0.851925 | 233 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__95990644
|
en
|
Find out more about Rent Certainty
Want to find out more? Leave your details below and we’ll be in touch by close of business!
"*" indicates required fields
A simple low fixed-fee of just $30 per week
Sophisticated investors appreciate the value of an exceptional property management experience provided for a fair fixed-fee. That’s why Certainty Property has introduced Fee Certainty – full-service property management for just $30 per week.
With Fee Certainty you will receive:
A dedicated local property manager
First-class service and support from our team
Regular inspections and tenant management
Are you an experienced property investor?
Experienced investors understand the value of a property manager that has skin in the game in maximising the portfolio’s return. That’s why Certainty Property is the only property manager to offer Rent Certainty – Australia’s most comprehensive rent guarantee.
With our rent guarantee Certainty Property will:
Pay the rent when your property is vacant
Pay the rent should your tenant fall into arrears
Top up your rent should rents fall
|
finance
|
https://www.traffordbooks.co.uk/terms
| 2024-04-17T07:03:53 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817144.49/warc/CC-MAIN-20240417044411-20240417074411-00135.warc.gz
| 0.929382 | 317 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__168669141
|
en
|
My Bids (0)
Commission to vendors is normally 15% with a minimum charge of £3 per lot. Unsold lots are subject to a handling charge of £3 per lot. Commission rates are negotiable for high value items. Payment to vendors is made no earlier than 6 weeks after the sale. Our terms of business to buyers are outlined in our Notes For Guidance.
Postal, On-Line and E-Mail Bidders:
ALL BIDS MUST BE RECEIVED BY 12 NOON UK TIME ON THE DAY OF THE AUCTION
Bids may be submitted by email to [email protected] or by using the On-Line Bidding System on this website. If clients wish to bid for a number of lots but wish to limit their expenditure they should indicate the maximum they wish to spend by entering that amount in the 'Limit' facility.
These can be made by telephoning
0161 877 8818
07799 648 335
These may be submitted by post or by submitting your bids in person.
All bids are accepted in confidence and will not be divulged to a third party.
Successful bidders may pay by cash, cheque or by card payment.
A buyer's premium of 15% will be added to your invoice. This charge includes VAT @ 20% except for books & periodicals which are zero rated.
|
finance
|
http://spaceoutvr.com/2017/09/29/introducing-spacium-token-powering-decentralized-marketplace-virtual-reality/
| 2017-12-12T23:33:54 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-51/segments/1512948520042.35/warc/CC-MAIN-20171212231544-20171213011544-00294.warc.gz
| 0.884423 | 490 |
CC-MAIN-2017-51
|
webtext-fineweb__CC-MAIN-2017-51__0__106263411
|
en
|
Introducing the Spacium Token – Powering a decentralized marketplace for Virtual Reality
Spacium (SPC) – Introducing a way to monetize VR content on the Ethereum Blockchain.
The Spacium (SPC) ERC20 Token presents a new method of in-app peer-to-peer exchange that incentivizes content creation and engagement in Mobile Virtual Reality. Spaceout.VR is a free to play Social VR Space Colony for iOS & Android. Spaceout.VR will monetize with an in-app economy that works with in-app consumables, in-app purchasing, and cryptocurrency tokens. Spaceout.VR players can monetize their user-generated content by converting earned in-app consumables into cryptocurrency tokens.
Content creators now have a growing set of inexpensive tools to create 360 video, photos and immersive games and experiences. Tools like the Ricoh Theta or Google Tango give consumers the ability to capture immersive content easily. To date there is no platform to easily upload, share and organize personal immersive media. There is no way to monetize this content, as for example, popular YouTube channels earn a revenue stream based upon viewership. This leaves content creators with little incentive to create or share immersive user-generated content (UGC).
We believe that Virtual Reality (VR) will flourish as a medium once it becomes a viable platform for UGC. Web 2.0 brought about the maturity of the web by harnessing people’s desire to share their lives and express themselves. The Spacium token incentivizes Spaceout.VR users to upload, organize and share personal content. The Spaceout.VR in-app economy allows Spacers to market their content for discovery by other Spacers. We aim to create a flourishing new space for immersive UGC through the Spaceout.VR content platform and gamified economy.
The Spacium token is a functional crypto-asset with the utility of creating and distributing in-app consumables in Spaceout.VR. Token holders can earn additional tokens by contributing to consumable production in the economy. Players can login to the Spacium Marketplace with their Spaceout.VR account and convert their in-app consumables into Spacium tokens. Spacium tokens can be traded for BTC, ETH, and other crypto-assets.
We are accepting email registrations for our pre-sale expected to launch in September 2017 at https://spacium.io
|
finance
|
https://p2pweb.org/resources/
| 2017-02-21T16:38:29 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-09/segments/1487501170794.46/warc/CC-MAIN-20170219104610-00217-ip-10-171-10-108.ec2.internal.warc.gz
| 0.874723 | 1,019 |
CC-MAIN-2017-09
|
webtext-fineweb__CC-MAIN-2017-09__0__207981639
|
en
|
There are many resources on the web to give you information on starting or growing your business and to help you get started in the preparation of your business plan. These sites provide information on a wide range of entrepreneurial subjects. Links on this page are for information purposes only; they do not constitute an endorsement by the Path to Prosperity Competition organizers.
All P2P participants are encouraged to visit the Alaska Small Business Development Center website for resources and tools to help start a small business.
This series of short videos gives a nice overview of triple bottom line concepts and makes a strong business case for sustainability.
The Triple Bottom Line Tool is a more detailed tool for evaluating sustainability of a project.
Business Model Canvas:
This video gives a great method for mapping out the key components of a business plan. The Business Model Canvas, is a strategic management and entrepreneurial tool. It allows you to describe, design, challenge, invent, and pivot your business model.
How to start or grow a business in Alaska:
- The State of Alaska website (http://alaska.gov/businesshome.html) is the go-to place for information on starting a business in Alaska. Here you will find a link to the publication, Establishing a Business in Alaska, a source of detailed information and assistance for the Alaska entrepreneur.
- AkSourceLink (www.aksourcelink.com) is a web portal that provides support to entrepreneurs through links to information on topics such as Startup Resources, Growing Your Business, Marketing, and Legal Services. It provides a searchable database of small business support providers. After answering a few questions about your business and the type of assistance you need, a list of organizations that provide business help in your area is provided:
- The Alaska Small Business Development Center (http://aksbdc.org/) provides business counseling, business skill workshops and online tools for start-ups and established businesses in the state of Alaska. The tools are organized by business stage: Think, Launch, Grow, Reinvent and Exit:
- The Juneau Economic Development Council (http://www.jedc.org/business-resources) has links to information on doing business in Juneau. It also has information on financing a small business and links to loan programs:
General Resources for Startups:
- The U.S. Small Business Administration offers technical assistance, a variety of loan and other financing programs, and other resources to help a business get started and grow. Their website (http://www.sba.gov/) features many articles on starting and managing a business:
- SCORE (http://www.score.org) is a nonprofit association that provides education and volunteer mentors for entrepreneurs. Mentors are available to deliver free help both by email and in person (nearest offices are Anchorage or Seattle). Live webinars, templates and tips on a variety of business topics are available:
Anchorage SCORE: http://anchorage.score.org/chapters/anchorage-score
Greater Seattle SCORE: http://seattle.score.org/chapters/greater-seattle-score
- The web has lots more advice for startups. Here are some examples:
How to Develop your Business Plan:
- The Small Business Administration has a Business Plan Tool that provides a step-by-step guide to writing a business plan. You write the plan by answering questions, and save it on-line so you can return later to edit or update. You must first register for a free account. Look for the link to the tool in the right side column at the following web site:
- Here’s an article on writing Executive Summaries:
- Here are more links to business plan templates, outlines and advice:
Bplans.com business planning resources http://www.bplans.com/index.cfm
National Telecommunications and Information Administration’s business plan outline http://www.ntia.doc.gov/legacy/opadhome/mtdpweb/busplano.htm
Business plans and financial statement templates from SCORE http://www.score.org/resources/business-plans-financial-statements-template-gallery
How to Create Financial and Sales Projections:
- SCORE’s template gallery provides Excel templates for finance and sales spreadsheets.
Fund your Startup:
- Financing can often be the one obstacle preventing an entrepreneur from starting a successful business. Entrepreneurs for the most part do not have access to “free money” through grants. However, there are options.
Learn how to choose an accountant who is also an advisor.
Ever wonder what happened to that crowdfunding boom?
Investors’ Circle seeks early-stage companies whose businesses address significant social or environmental issues. http://investorscircle.net/home
Incorporate Social Responsibility:
- Articles on social entrepreneurship can be found here:
|
finance
|
Subsets and Splits
No community queries yet
The top public SQL queries from the community will appear here once available.