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http://www.worldhyundaimatteson.com/easy-car-loan-pre-approval.htm
| 2017-04-24T13:15:22 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917119361.6/warc/CC-MAIN-20170423031159-00172-ip-10-145-167-34.ec2.internal.warc.gz
| 0.939459 | 417 |
CC-MAIN-2017-17
|
webtext-fineweb__CC-MAIN-2017-17__0__79924752
|
en
|
Welcome to one of the easiest ways to get pre-qualified for a new or used vehicle. All without ever needing your Social Security Number, or actually running a full credit report which can hurt your credit score.
You're a savvy shopper no doubt - that's why you're here:
We also know your time is valuable and you don't need or want the "typical dealership" financing experience. You know, the kind where you are asked for way too much personal information, there seems to be a million steps in the process AND then your credit report is pulled (sometimes several times) leaving an inquiry on your history. Too many inquires can hurt your credit score.
Why can't there be an easier way you ask?
That's where World Hyundai in the Matteson Auto Mall steps in. Our new, innovative credit tool is designed to speed up the pre-qualification process in only 3 easy steps. That's it. Once again, all with no Social Security Number needed and no inquiry on your credit report. It really is that easy.
Why not start now? No Social Security Number Needed!
Besides an easy pre-qualifcation process, World Hyundai in the Matteson Auto Mall near Chicago, knows that smart shoppers like yourself deserve and expect a different type of dealership all together, not just in the finance department. At World Hyundai, our goal is to give you the "WOW" experience from the second you call, email us or stop by in person.
In addition to a unique and refreshing experience, World Hyundai customers can take advantage of several of our member benefits such as:
- Free Lifetime Car Washes
- Lifetime Warranty*
- Lifetime Oil Change Package
- Free Service Loaners
- Free Courtesy Transportation
- Convenient Saturday Service and Parts Hours
- Hundreds and Hundreds of New, Used , Certified Pre-Owned Vehicles and Luxury Used Vehicles
Thank you again making the right choice! We are excited to assist you!
Let's get started - it only takes 60 seconds!
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finance
|
https://www.bu-net.com/en/negozio/cosmetici-detergenti-corpo-naturali/carta-regalo/?v=5ea34fa833a1
| 2022-12-05T20:32:01 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446711045.18/warc/CC-MAIN-20221205200634-20221205230634-00706.warc.gz
| 0.92307 | 121 |
CC-MAIN-2022-49
|
webtext-fineweb__CC-MAIN-2022-49__0__100643926
|
en
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What better gift to receive than the possibility to choose what you prefer? The BU-NET Gift Card is designed for this very reason!
Available in various fixed amounts or a custom value, you can buy it for yourself, or send it directly to whoever you want!
You can use the BU-NET Gift Card to purchase any product on the site.
€25,00 – €600,00
Buying a prepaid BU-NET gift card is really easy:
Within moments of payment completion, an e-mail containing the gift card will be sent to the recipients.
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finance
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http://oklahomacriminaldefense.blogspot.com/2008/11/tulsa-jail-information-and-tulsa-bail.html
| 2017-05-24T06:08:01 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-22/segments/1495463607802.75/warc/CC-MAIN-20170524055048-20170524075048-00442.warc.gz
| 0.901302 | 1,198 |
CC-MAIN-2017-22
|
webtext-fineweb__CC-MAIN-2017-22__0__87298986
|
en
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Tulsa Jail Information and Tulsa Bail Bond Information
By Glen R. Graham, Tulsa Criminal Defense Attorney http://www.glenrgraham.com
To find out the bond amount and to find out if someone is in the Tulsa City County Jail or the David Moss Correctional Facility at 300 North Denver Ave., Tulsa, Oklahoma, the easiest and quickest way is to click on this link:
http://iic.tulsacounty.org/Home.aspx and then follow the instructions. Enter the defendant’s name and it will tell you the charges, the amount of the bond, and the next court date.
A good Tulsa Bail Bondsman or Tulsa Bail Bonds is A Bargain Bail Bonds at http://www.abargainbailbonds.com They are on corner of Archer and Denver - close to the Tulsa Jail.
To find out the Tulsa jail visitation hours and for information about leaving money on someone’s inmate trust account click on this link: http://www.iic.tulsacounty.org/FAQs.aspx
To determine which pod inside the jail the inmate is located in to match up the visitation schedule , first you have to click on the previous link above to determine the inmate’s pod number like J-1 or F-3 or such.
Telephone number to the Tulsa City County Jail is: (918) 596-8900 OR (918) 596-8933. You usually have to call back repeatedly and wait for the telephone to ring about five to ten times and it usually takes a long, long time for them to answer the telephone, so it is easier to click on the links or call a good Tulsa criminal defense attorney and a good Tulsa bail bondsman or to just click on the links in this article.
There is a new technology where Tulsa jail inmates can use Touch Pay to bond out using their credit cards. It is a machine in the Tulsa Jail that takes credit cards. However, a smart inmate might be a lot better off paying a bondsman only ten percent of the bond instead of posting the whole bond on a credit card. Ten percent of a bond of $5,000 dollars is only $500 to a bondsman. However, posting a whole $5,000 dollar bond on a credit card could involve significant interest and penalties in addition to tying up $5,000 dollars.
Most bondsman accept payments if you do not have a credit card. Most bondsman accept credit cards and the amount required to pay a bondsman on a credit card is only ten (10%) per cent of the bond amount instead of the whole bond amount.
One good thing is that anyone can also use Touch Pay to add money to the inmates accounts for items they want which are sold at the jail.
Initially, when someone is booked into jail, they are usually given a pre-set bond amount based upon the type of charge or in some cases the assigned judge reviews the officer’s probable cause affidavit and then sets a bond. Under the current system, the court is required to review the probable cause for holding the defendant within about 48 hours by reviewing the probable cause affidavit and then setting a bond or ordering the defendant released if there is insufficient probable cause to hold the defendant. Each case is different and it makes a difference depending upon the type of charges and the defendant’s prior criminal record if any.
By hiring a good Tulsa Criminal Defense Attorney it is possible to have a hearing on a motion for a bond reduction within 24 hours after filing the motion as long as it is filed before 12 noon. A hearing on a motion for bond reduction is normally heard at 3:00 p.m. on the next court day as long as the motion is filed before 12 noon and the order is signed setting it for a hearing before 12 noon because the state is entitled to 24 hours notice before the bond hearing.
On misdemeanor cases, it may be possible to get a bond hearing quicker by contacting the assigned prosecutor and if possible getting the assigned prosecutor to appear before the assigned misdemeanor judge for a ruling upon it.
In most cases, it is usually possible to obtain a Tulsa bail bond reduction by hiring a good Tulsa criminal defense lawyer attorney and getting documentation and sufficient information to obtain a bond reduction. It is helpful to have a copy of the officer’s probable cause affidavit when the same can be obtained. Proof of employment, letters of support, statement from parties, favorable statement from the victim when possible, and any other relevant information.
It is possible to verify any city of Tulsa or Tulsa County warrants that may be active by checking the web site for Tulsa warrants at: http://www.tulsapolice.org/warrants/default.asp Enter the last name and click enter and then cursor down until you find the right person’s first name.
Common Warrant Types:
1234567 Six or seven numbers is a Tulsa Municipal Court warrant
CM A Tulsa County District Court misdemeanor warrant
CF A Tulsa County District Court felony warrant
Note: CF warrant may be for Failure to Pay or Failure to Appear on a felony charge and may not be considered a felony warrant even though the original listed charge is a felony.
It is possible to check out the person’s available public Oklahoma criminal record at the web site for the State of Oklahoma court system at: http://www.oscn.net/ Click on “court dockets” at the top. On the next page, on the left hand center, click on “search dockets.”
Finally, on the next page, cursor down to last name and enter it. Put in the first name or the first few letters and use the percent sign to cover all variations such as --- Su% to cover both Susan or Sue or Susanne.
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finance
|
http://richmondwestps.vic.edu.au/community/parent-and-community-fundraising/
| 2022-11-30T06:20:28 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710733.87/warc/CC-MAIN-20221130060525-20221130090525-00148.warc.gz
| 0.950763 | 312 |
CC-MAIN-2022-49
|
webtext-fineweb__CC-MAIN-2022-49__0__136889893
|
en
|
Parent and Community Fundraising
At Richmond West, fundraising involves the whole school community through events such as a walk-a-thon, raffles, the Art Show and the School Concert. The school community comes together to celebrate student achievements, raise money for the school and enjoy socialising with members of our community.
We fundraise to purchase items that have been identified by the school and which support the educational and social development of students. The fundraising wish list is prepared in consultation with the school, subcommitees of School Council and as needs arise within the building and the school’s many programs.
The whole school community
Fundraising is an activity where we believe that everybody has something to contribute. All families are encouraged to be a part of their child’s experience at school, and this contribution is welcomed in many forms. You can support our school by donating your time, expertise in a particular area or via a financial contribution.
Our school’s values
Our fundraising approach reflects the values at the heart of our school activities. The school’s core values are care and compassion, respect, doing your best, responsibility, co-operation and honesty and trustworthiness. We uphold these values through thoughtful planning of fundraising events, being inclusive and making links to the broader community.
If you would like to be involved, please call the office on 9429 2950 or send an email to [email protected].
|
finance
|
https://www.silent-disco-rental.com/2017/04/17/cost-of-a-silent-disco-party-versus-a-regular-dj/
| 2020-04-09T06:48:40 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585371830894.88/warc/CC-MAIN-20200409055849-20200409090349-00056.warc.gz
| 0.947463 | 829 |
CC-MAIN-2020-16
|
webtext-fineweb__CC-MAIN-2020-16__0__169660134
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en
|
Which costs more? A regular DJ with loudspeakers or a Silent Disco DJ?
Obviously one sound system can be heard by several hundred or a thousand people, but one headphone can only be heard by one person.
So with a small party, Silent Disco is going to cheaper than traditional loudspeakers and with a large party it will be more expensive.
Let’s look at some actual numbers
Regular DJ: $1000 -In my area, a DJ (using loudspeakers) that is considered professional quality is going to start around a $1000 and that price remains the same no matter how many guests are invited.
Silent Disco Rental: $266.50 to rent 40 headphones: Rental of 40 headphones = $266.50
For headphones, you need one headphone per guest, so the price goes up as the guest count increases.
With a sound system that uses loudspeakers, one price fits all!
Silent Disco: If you want to rent silent disco headphones, it costs between $4 and $7 per headphone rental depending on how many you rent.
At www.silent-disco-rental.com, our price is as low as $4 per headphone for larger quantities but the price per unit is higher for rental of smaller numbers.
Because you are only paying per rented headphone, the Silent Disco Headphones are going to be quite a bit less expensive than the loudspeakers for a small party.
With the price being per headphone rental, that means that your rental costs go up as the guest count rises.
Here are some round number examples: (You can rent exact numbers of headphones for your party.)“Pricing”
What is your cost for renting our Silent Disco equipment?
1) Pricing depends on quantity.
How much does it cost to rent headphones?
Examples of current pricing:
Rental of 20 = $177.50
Rental of 30 = $222.50
Rental of 40 = $266.50
Rental of 50 = $309.00
Rental of 75 = $415.25
Rental of 100=$521.50
Rental of 150=$729.00
Rental of 200=$936.50
Rental of 300=$1344.00
Rental of 500=$2144.00
(We also charge a security deposit, but that get’s returned to you when the equipment comes back safely. Learn more about that on our pricing page.)
Those prices above, don’t include the cost of a DJ.
At my company, the DJ’s fee is an additional $149 per hour if we are supplying the music, the players, the light show, our DJ skills and our master of ceremony skills.
It should be noted that because our Silent Disco equipment provides you with three channels available to play three separate playlists, it is suddenly quite a bit easier to save the cost of hiring a DJ by using only automated playlists.
Yes, we still recommend a professional DJ and even three professional DJ’s; One broadcasting on each channel. But our equipment makes it much easier to skip hiring and paying the professional DJ. With three channels to stream unattended-automated playlists, there is a much greater chance of at least one of them having a fantastic song playing at any given time.
Guests are willing to pay a higher admission fee for Silent Disco Parties.
Obviously, this doesn’t pertain to wedding receptions or parties where there is no cover charge, but an important detail is that people are willing to pay admission to your party because of the ‘cool’ factor.
Silent Disco is hot and new and three times the fun of a regular party! Guests understand this and are willing to pay more for the added value.
Think about how much more of a cover charge you’d be willing to pay for a Silent Disco party as opposed to just going to listen to some loud music on a traditional sound system?
|
finance
|
https://fedora-tn.org/science/the-founder-of-zoom-earned-five-billion-dollars-in-a-day/
| 2023-03-27T06:34:00 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296948609.41/warc/CC-MAIN-20230327060940-20230327090940-00540.warc.gz
| 0.961304 | 223 |
CC-MAIN-2023-14
|
webtext-fineweb__CC-MAIN-2023-14__0__64495682
|
en
|
Eric Yuan, founder of the Zoom online conference service, earned $ 5.2 billion in one day. His fortune reached 22 billion, writes Bloomberg.
Zoom shares rose 32 percent after the release on Monday, August 31, of a report on quarterly revenue, which rose 355 percent year-on-year, to $ 664 million. The company’s net profit was almost $ 186 million. Zoom’s customer base increased by 458 percent compared to 2019, to 370.2 thousand companies.
Zoom has become one of the main beneficiaries of the coronavirus crisis. In addition, the winners from the pandemic were Amazon, owned by the richest man on the planet Jeff Bezos (Jeff Bezos). The billionaire himself set a record in 2020, becoming the first person in history to exceed the $ 200 billion mark.
Another beneficiary of the new crisis was the company Tesla and its founder Elon Musk (Elon Musk). The latter’s fortune increased to $ 114 billion, and he took the third place in the list of the world’s richest people according to Bloomberg.
|
finance
|
https://www.doddlecover.com/all-you-need-to-know
| 2022-12-05T04:52:33 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446711003.56/warc/CC-MAIN-20221205032447-20221205062447-00240.warc.gz
| 0.93352 | 4,628 |
CC-MAIN-2022-49
|
webtext-fineweb__CC-MAIN-2022-49__0__38234202
|
en
|
All you need to know
Who we are
Doddle Cover is a trading name of Insenture Underwriting Services Limited that is authorised and regulated by the Financial Conduct Authority (No 923592). This can be checked on the Financial Services Register by visiting the website: www.fca.org.uk or calling the FCA: 0800 111 6768.
What we do
We are a non-advisory intermediary that act on your behalf to arrange your insurance. We will not provide advice or recommendations but instead will offer the most competitively priced product available from our range of insurers that is most suited to your demands and needs. If you decide to purchase a policy through us, you do so at your own choice and confirm that the product is suitable for your needs.
We will endeavour to issue your policy documentation on the day you arrange cover with us, but at times where this is not possible your documents will be issued the next working day.
We will notify you how to renew in good time prior to the expiry of your policy.
1 - Duty of Care - Please take reasonable care to answer all questions honestly and to the best of your knowledge, as any product will be based on the information you have provided. Incorrect risk details provided either accidentally or deliberately may lead to an increase in your premium, invalidate your insurance cover, result in your insurer reserving the right to cancel your policy, or treat the policy as if it never existed. Incorrect information could also lead to claims being rejected or not fully paid.
You must therefore provide complete and accurate information to us at all times including when arranging your insurance and throughout the lifetime of any policy. Any change in your circumstance or the risk itself, such as changing occupation or receiving endorsements on your licence must be notified to us immediately. If you are unsure about disclosing any information, please ask us for guidance. You are reminded that it is an offence under the Road Traffic Act to make false statements or withhold any relevant information to obtain a certificate of motor insurance. Under the Rehabilitation of Offenders Act you are not required to disclose convictions regarded as ‘spent’.
2 - Taxi Dashcam & Mobile Application - We will not provide any cover under our taxi product insurance (other than that required by the Road Traffic Acts), if an accident occurs whilst you or any other insured person whilst driving is not using the app and dashcam provided in accordance with the terms of your policy, you must also supply all accident data without delay to the claims department in the specified period. Failure to do so will result in us recovering from you or the driver all sums paid (including legal costs) whether in settlement or under a judgement of any claim arising from an accident.
3 - Check Your Documents - It is vital that you take the time to immediately check all documentation that we send to you including application forms, schedules, certificates, cover notes and policy wordings to ensure all the information stated is present and correct. If you feel that any documentation is incorrect, you should contact us immediately.
4 - Notify Accidents / Claims - All accidents regardless if you intend to make a claim should be notified to us immediately on:
0330 124 6277
4 - Supporting Documentation - To maintain our competitive premiums, validate your information and to combat fraudulent activity, your insurer may require you to provide certain documentation. These requirements will be outlined to you at the point of sale and in your Welcome Pack. Any supporting documentation that does not correspond to the information you have provided will be corrected and where applicable an additional premium may be charged by your insurer. We will also apply the charges set out below. You can provide the supporting documentation to [email protected] or via our document portal here
Failure to provide the supporting documentation within 23 days of accepting the policy may lead to your policy being cancelled and charges imposed in line with our Cancellation section of this document.
6 - Anti-Fraud Registers and Other Searches - To ensure you are offered our most competitive premiums now, at renewal and at any other time and to protect all customers from fraud, many insurance providers operate a credit scoring system and will use the information you provide to carry out checks with credit reference agencies, fraud prevention agencies, and other public and privately available sources of information. These checks can include electoral roll and credit information.
The information is used to verify your identity and is registered as a general insurance search. The searches may appear on your credit report whether or not your application for insurance proceeds, but will not harm your credit rating or adversely affect your credit profile. Whilst we do not carry out credit checks on our website, we or our partners may do so at any stage of the quote or purchase process, regardless if you obtain a quote via the internet or over the phone.
How we are remunerated
We may receive a commission from the insurer in return for arranging your policy. We also apply the following charges for our service and where a charge is variable, we will confirm an exact figure to you before any transaction.
New Business: Fee up to 15% of the insurer quoted premium
Renewal: Fee up to 15% of the insurer quoted premium
Making a change to a policy: £25 (excluding the first change of vehicle registration where no charge is made)
Our charges are non-refundable. Where you have chosen to pay for your premium through a third party finance provider, we may be paid commission for the arrangement of your credit agreement. We may also receive income from claims management companies and / or remuneration for profitability of the insurer.
Cancelling your policy
We really recommend that you get in contact with us before deciding to cancel your insurance policy to discuss your options. You have the right to cancel your insurance policy at any time, but charges will vary depending on when you cancel. When your policy is cancelled, any additional products are cancelled at the same time and our service charges and those of the insurer are not refundable. Any refunds due can take up to 30 days to be processed.
There are occasions where we will enforce cancellation of your policy. This is only performed when there is a good reason or if your insurers have instructed us to do so. Before cancelling your policy, we will always send at least seven days written notice to your last known address. The cancellation will be treated as a standard cancellation and you will incur the same charges as set out below.
Cancelling before cover starts
If you have instructed us to start a policy, but choose to cancel before any cover has commenced, we will charge £50.
Cancelling within the cooling off period
If your cover has started and you decide to cancel your policy within 14 days of receiving your documentation, and provided you have not made a claim or had a claim made against you, you will be charged the following;
- A pro rata charge for the time your policy was on cover
- A charge for the time any optional additional products were cover*
- A cancellation charge of £50
- The policy arrangement fee
- A charge of £75 if a dashcam is issued by us and not returned
*If you have used the service of any optional additional products within the cooling off period, the full charge of the additional product will apply.
Cancelling after the cooling off period
If your cover has started and you decide to cancel your policy outside of the cooling off period, and provided you have not made a claim or had a claim made against you, you will be charged the following;
- A charge for the time your policy was on cover plus any insurers cancellation fee*
- The full cost of any optional additional products, regardless if the service was used
- A cancellation charge of £50
- The policy arrangement fee
- A charge of £75 if a dash-cam is issued by us and not returned
*For the cancellation calculation for each insurer please refer to your policy booklet.
If you are paying your premium by instalments, where the total cost for your cover exceeds the amount that you have paid the third party finance provider, you will be required to pay the difference within 7 days. Failure to do so may result in us taking steps to recover any debt through a debt recovery agency that may apply further charges to the balance.
If you cancel your policy and you have made a claim, or a claim has been made against you, the full premium is due and any remaining instalments will need to be settled.
All non-annual policies (i.e. with a policy term less than 12 months) are calculated on a proportionate basis less a charge of £50 plus Insurance Premium Tax if applicable to cover our administration costs.
Tree Planting Initiative - All policies that are included will only become eligible once outside of the cooling off period.
Credit/Debit Card Payment
Please note that any refunds can only be made back to the card used for the original transaction, or where this is not possible a cheque or BACS transfer will be issued.
If you choose to pay your premium by monthly instalments, we will arrange this for you through a finance provider unless your application for credit is declined. This method of payment works like a loan, where the finance provider will pay your insurance premium to us in full and you will pay back the finance company by monthly instalments including any interest applicable to the loan. We are a credit broker and not a lender.
Please note that paying your premium by monthly instalments does not provide a month’s cover at a time, you will have entered into an annual contract of insurance and have chosen a more manageable method of paying your annual premium. You are responsible for paying the monthly instalments when they fall due, please therefore take note of the payment schedule provided to you. A missed payment charge will be incurred for failing to pay a monthly instalment and if overdue payments are not received within 7 days of defaulting, we will commence the cancellation process.
For your protection, if you cancel your direct debit it will not automatically cancel your insurance policy, and could lead to unnecessary charges being applied to your policy. You should always contact us in accordance with the ‘Cancellation’ section of this document.
The finance providers will have their own terms and conditions, which you should read carefully upon receipt, and additional charges will be applied for the administration of a dishonoured payment. You will receive the credit agreement from your finance provider that you will need to sign and return. Failing to do so may result in your finance agreement to be cancelled which could affect your insurance policy.
We reserve the right to withhold documentation until due payments have been made. We will provide any documentation that we are required to do so by law.
Making a complaint
We are dedicated to delivering a first class level of service to all policyholders. However, we accept that things can occasionally go wrong and would encourage you to tell us about any concerns you have so that we can take steps to make sure the service you receive meets your expectations in the future. Our customer service team are here to help on 0330 124 5773 or [email protected] who will do all they can to swiftly resolve the issue. You can request a copy of our complaints procedure free of charge at any time.
You can also write to us at:
Insenture Underwriting Services Limited
94 - 102 Highstreet
We will make every effort to resolve your complaint by the end of the third working day after receipt. If we cannot resolve your complaint within this timeframe we will acknowledge your complaint within five working days of receipt and do our best to resolve the problem within four weeks by sending you a final response letter. If we are unable to do so, we will write to advise you of progress and will endeavour to resolve your complaint in full within the following four weeks.
When contacting us please provide:
- A policy number and/or claim number.
- An outline of your complaint.
- A contact telephone number.
If we are still unable to provide you with a final response at this stage, we will write to you explaining why and advise when you can expect a final response. At this point you may refer your complaint to The Financial Ombudsman Service at the following address:
Harbour Exchange Square
The Financial Ombudsman Service
You may go directly to the Financial Ombudsman Service when you first make your complaint, but the Ombudsman will only review your complaint at this stage with our consent. However, we are still required to follow the procedure stated above. If you have received a final response but are dissatisfied, you have the right of referral to the Financial Ombudsman Service within six months of the date of your final response letter. You may only refer to the Ombudsman beyond this time limit if we have provided our consent.
Whilst we are bound by the decision of the Financial Ombudsman Service, you are not. Following the complaints procedure above does not affect your right to take legal action.
If you have any suggestions or comments about our cover or the service we have provided please email [email protected] - We always welcome feedback to enable us to improve our products and services.
For our joint protection telephone calls may be recorded and monitored by us.
If you are still dissatisfied with the way your complaint has been handled, you can use the Online Dispute Resolution Platform (ODR) to submit your complaint for an independent assessment at: https://ec.europa.eu/info/index_en/
Protecting Your Money
We hold your premium payment in a Client Money Bank Account until it is passed to your insurer. We cannot use your money for any other purpose other than to pay the insurer that your insurance is arranged with. We may earn interest from money held in this account, which we will retain. Unless you tell us otherwise, you are consenting to us holding your money in this way.
The laws of England and Wales govern this agreement and any dispute is subject to the exclusive jurisdiction of the English courts.
How We Use Your Information
How we may collect your information
We may collect details about you from:
- Information you give to brokers.
- Information you give us in online forms and other forms.
- Other sources such as Google Earth and social media.
- Third parties and other sources.
- Telematics systems, dash-cams and mobile applications.
What information we may collect about you
We collect details including details about your health, personal circumstances, claims history, credit history, motoring history and other relevant details. We may collect information on you from databases such as the electoral roll and county court judgment records.
How we may share your information
In order to provide our services to you, we may share your information with insurance companies, solicitors, regulators, business partners and suppliers. We may also have a legal obligation to provide your information, in certain circumstances, with regulators, police and other public bodies. Information you supply may be used for the purposes of insurance administration by us and third parties. These third parties may share your information with their own agents.
How we may use your information
We may use your information for a number of purposes. These include:
- Providing you with our services.
- Dealing with your claim.
- Carrying out checks such as fraud checks and credit checks.
Driving Licence Checks
We may also provide your (or any named third party) driving licence number (DLN) and other details to the DVLA to confirm licence status, entitlement and relevant restriction information and endorsement / conviction data. Searches may be carried out prior to your policy commencing and at any point during your insurance policy including any mid-term adjustment and renewal stage. For details relating to information held about you by the DVLA please visit www.dvla.gov.uk. The DVLA may also be used to search your (or any named third party’s) no claims discount (NCD) details against a no claims discount database to obtain information in relation to your NCD entitlement. We may pass details of your no claims discount to certain organisations to be recorded on a NCD database.
Motor Insurance Database
Your policy details will be added to the Motor Insurance Database (MID), run by the Motor Insurers’ Bureau (MIB). MID and the data stored on it, including your personal details, may be looked at and used by certain statutory and/or authorised bodies including the Police, the DVLA, the Insurance Fraud Bureau and other bodies permitted by law.
If you are involved in an accident (in the UK or abroad), insurers and/or the MIB may search the MID to obtain relevant information.
Persons pursuing a claim in respect of a road traffic accident (including citizens of other countries) may also obtain relevant information which is held on the MID.
It is vital that the MID holds your correct registration number. If it is incorrectly shown on the MID you are at risk of having your vehicle seized by the Police. You can check that your correct registration details are shown on the MID at www.askmid.com.
Fraud Prevention and Detection
We carry out fraud checks on our customers. We do this in order to prevent fraud and also to help us make decisions about the provision, pricing and administration of insurance. When carrying out these checks, we will search against fraud detection databases. We may pass details about you to some of these databases. Law enforcement agencies, financial service providers, fraud prevention agencies, police and other organisations may also access these databases.
We may process data relating to your claims history for the purposes of assessing any claim you may make.
The aim is to help us to check information provided and also to prevent fraudulent claims. When you tell us about an incident we will pass information relating to it to these databases. We may search these databases when you apply for insurance, in the event of any incident or claim, or at time of renewal.
Credit Searches and Accounting
In assessing an application for insurance or policy renewal, we may search files made available to us by credit reference agencies. They keep a record of that search.
Credit reference agencies share information with other organisations, enabling applications for financial products to be assessed or to assist the tracing of debtors, or to prevent fraud.
Sometimes your information may be transferred outside the European Economic Area by us, by the organisations with whom we share your information or by the servants and agents of these organisations. If we do this we will ensure that anyone to whom we pass it provides an adequate level of protection.
For our Doddle Taxi customers where a dash-cam and mobile application is the mandatory the following terms also apply.
The Doddle Cover Taxi Cover App collects and transmits data on location, mileage driven, driving style along with the time and impact speed if your insured vehicle is involved in an accident. The app collects location data whilst you are driving even when the app is closed or in the background. This data is processed to help identify driver safety. We will not communicate this information to you or take any action unless there is a repeated occurrence of an extreme driving event.
For further information we may:
- Collect GPS location information every second during an active journey using the GPS sensor in your phone.
- Record Raw Trip Data which consists of the date and time for each one second GPS data point as well as a measurement of the GPS Horizontal Precision at that point in time.
- Compare your acceleration events against others who have used the system and generate driver scores based on how you compare with the other reference drivers.
- Compare your speed against a database of legal speed limits throughout the journey and generate a speeding score based on how much of your driving is within the legal speed limits. - Use your Driver Scores, Raw Trip Data or speeding related incidents, to influence aspects of your insurance policy or influence offers from us for other insurance policies. This may include changing the deductible (excess), offering you a discount, or in extreme cases withdrawing insurance cover.
- Capture photographs of certain documents and items that may be associated with your policy or potential insurance product purchase.
- Collect a GPS location fix for each photograph taken by the app including a date and time stamp. - Process each photograph taken on our platform and electronically read and store the text within the photographs which may include a vehicle number plate or name, DOB and address information from a photo of a driving licence.
- Automatically identify or compare faces in an uploaded photograph against other documents provided.
- Process, review and store Dashcam footage uploaded to us to administer or maintain the policy or to investigate any event or incident that may have been recorded by the Dashcam.
Raw Trip data is anonymised and retained indefinitely and may be used by our Telematics provider and their associated partners for the purposes of improving systems, general analysis or generating new aggregate data sets.
We and/or the telematics provider may process Raw Trip Data to generate Driver Scores.
We will only hold your personal data for as long as we are required in law and by our regulators. Your Rights as a Data Subject
Under Data Protection Laws you have certain rights; these include for example, a right to understand what data we hold on you and a right to ask us to amend that data if it is incorrect. If you would like to exercise any of your rights please contact our Data Protection Officer (contact details below).
Data Protection Officer
If you have any questions about how we use your data, or to exercise any of your data rights please contact our Data Protection Officer at:
The Data Protection Officer
Insenture Underwriting Services Limited
1st Floor 94 - 102 Highstreet
We endeavour to place your business with insurers who have adequate means to meet their obligations but cannot guarantee the solvency of any insurer and we shall not be liable for losses suffered by you in the event of the insolvency of an insurer.
Agreement to our Terms of Business does not affect your normal statutory rights.
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finance
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https://kkcontainer.com/shipping-container-scam/
| 2024-02-22T02:18:56 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473598.4/warc/CC-MAIN-20240221234056-20240222024056-00835.warc.gz
| 0.930719 | 3,155 |
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|
The global storage container shortage has not only impacted the availability of containers but has also led to increased competition among buyers, creating an environment ripe for fraudulent activities. Scammers take advantage of this situation by exploiting the urgency and heightened demand for containers, manipulating potential buyers into hasty decisions and financial pitfalls.
As the shortage persists, it becomes increasingly crucial for buyers to exercise scrutiny and prudence when engaging in transactions related to shipping containers. Here’s what you need to know to avoid becoming a victim of this latest crime wave.
3 Types of Shipping Container Scams
In the realm of shipping container scams, there are various deceptive tactics that scammers employ to lure potential buyers.
- One common ploy involves the promise of special offers, discounts, or high returns on investments for purchasing shipping containers, creating an illusion of legitimacy. Scammers may go as far as creating fake businesses with enticing offers to attract unsuspecting buyers, leaving them vulnerable to financial loss and fraudulent activities.
- In other cases, scammers resort to sophisticated methods such as creating counterfeit social media pages, stealing established company names, and utilizing phishing emails to deceive potential buyers. By impersonating legitimate businesses and using deceptive communication channels, they aim to gain the trust of their targets, making it essential for buyers to exercise caution and due diligence when engaging with sellers in the shipping container market.
- These unscrupulous individuals also resort to stealing personal and financial information through illegitimate websites and communication channels, posing a significant risk to buyers. This underlines the importance of thoroughly verifying the credibility of sellers and the authenticity of their platforms before engaging in any transactions to avoid falling victim to such scams. It is crucial for buyers to remain vigilant and skeptical of offers that seem too good to be true, as scammers often exploit the desire for discounted containers and pressure buyers into making hasty decisions, leading to potential financial and legal ramifications.
Scammers often create fake social media pages that mimic reputable container companies, offering lucrative deals on shipping containers. They may then engage potential buyers through private messages, luring them with promises of substantial discounts and exceptional returns on investment.
However, these enticing offers are simply a facade to deceive buyers, highlighting the importance of thorough research and verification before making any purchasing decisions.
5 Red Flags When Buying Shipping Containers
When considering the purchase of shipping containers, it is crucial to be aware of the red flags that may indicate potential scams. These five warning signs can help buyers avoid falling victim to fraudulent activities:
- Steep discounts (i.e. 30% or more) on shipping containers should raise suspicion, as they may indicate a scam in progress. Scammers may use these enticing discounts to lure unsuspecting buyers into making hasty decisions without conducting thorough due diligence.
- Illegitimate websites and fake contact information are other signs that potential buyers should be cautious of. Scammers may create fake websites or use fake phone numbers and addresses to deceive buyers into believing they are dealing with legitimate sellers. It is important for buyers to verify the authenticity of the websites and contact information provided by the sellers before proceeding with any transactions.
- A lack of transparency in communication with the company and absence of reviews are also indicative of potential scams. Genuine sellers are usually transparent about the condition and history of the shipping containers they offer, and they often have reviews or testimonials from previous customers. On the other hand, scammers tend to avoid transparency and may not have any credible reviews to validate their legitimacy. Unsolicited contact from sellers should also be viewed with suspicion, as scammers often reach out to potential buyers without any prior interaction, attempting to pressure them into making impulsive decisions.
- Buyers should be cautious of questionable or missing photos, demands for payment through cryptocurrency or pre-paid cards, and a general lack of knowledge about containers. Scammers may use these tactics to manipulate buyers into making payments through untraceable methods and to cover up their lack of knowledge about the products they claim to be selling. These red flags serve as crucial indicators that buyers should pay attention to in order to avoid falling victim to shipping container scams.
- A potential buyer may come across a website offering shipping containers at significantly lower prices than the market average. Upon further investigation, the website may lack essential company information, such as a physical address or customer reviews, raising concerns about its legitimacy. Additionally, the seller might insist on receiving payment through cryptocurrency or pre-paid cards, avoiding conventional and traceable payment methods. These warning signs highlight the importance of scrutinizing potential sellers and conducting thorough research before engaging in any transactions.
Verifying the Legitimacy of Sellers
When it comes to verifying the legitimacy of sellers in the shipping container industry, there are several important steps that buyers should take. One crucial aspect is to ensure the authenticity of the seller by confirming their contact details. This includes verifying phone numbers and email addresses to ensure they are legitimate and not associated with any fraudulent activity.
Another essential step is to inspect any communication or documentation for company letterhead on invoices. Legitimate businesses typically use official letterheads for their invoices and other documentation, so the absence of this may raise red flags about the credibility of the seller.
We also recommend refraining from making payments via social media or similar applications. Scammers often use these platforms to deceive buyers, and making payments through them can significantly increase the risk of falling victim to fraudulent activities.
Conducting thorough research to select reputable suppliers is paramount to safeguard against falling victim to scams, because this takes care of most of the concerns to begin with. This includes comparing prices, reading reviews, and seeking recommendations from trusted sources to ensure that the chosen supplier is reliable and trustworthy. Taking these proactive measures can significantly reduce the risk of encountering fraudulent sellers and mitigate the potential for scams in the shipping container industry.
A practical example of verifying the legitimacy of a seller is through requesting a physical meeting to inspect the containers before making any financial commitments. If a seller is hesitant to arrange an in-person inspection or provides excuses to avoid it, it could raise concerns about the authenticity of their offerings. Additionally, buyers can insist on receiving official invoices with company letterheads and thorough documentation, which are common practices among reputable sellers. These verification measures are essential in protecting buyers from falling victim to fraudulent activities in the shipping container market.
Secure Payment Methods for Purchasing Shipping Containers
When it comes to purchasing shipping containers, using secure payment methods is crucial to avoid falling victim to scams. One of the most recommended practices is to avoid transactions involving cryptocurrency or pre-paid cards, as these methods can be more challenging to trace and recover in case of fraudulent activities. For example, scammers often pressure buyers into using these untraceable payment methods to avoid being caught, making it essential for buyers to be cautious and avoid such payment methods.
In addition to avoiding cryptocurrency and pre-paid cards, it’s important to engage in direct communication with legitimate container sellers and utilize secure payment channels. For instance, reputable sellers often offer secure payment options such as credit card payments, bank transfers, or escrow services, which provide an added layer of security for buyers. By opting for these secure payment methods, buyers can minimize the risk of financial loss and ensure a more transparent and secure transaction process when purchasing shipping containers.
Buyers should be wary of sellers who insist on unconventional payment methods and avoid engaging with them. By prioritizing secure payment options and conducting transactions through reputable channels, buyers can protect themselves from potential financial and legal repercussions associated with falling victim to scams in the shipping container industry.
Secure payment methods include utilizing escrow services, where a neutral third party holds the buyer’s payment until the transaction is successfully completed. This approach provides an additional layer of security for buyers, ensuring that the funds are only released to the seller upon the satisfactory delivery of the shipping containers. By leveraging secure payment methods such as escrow services, buyers can mitigate the risks associated with fraudulent activities and safeguard their financial interests when engaging in transactions related to shipping containers.
Researching and Choosing Reputable Suppliers
When researching and choosing reputable suppliers for shipping containers, it is crucial to compare prices from different sellers to ensure that you are not overpaying for the containers. A 20-foot container’s price may vary based on its age, condition, and additional features, so conducting a thorough price comparison can help you make a cost-effective decision.
In addition to comparing prices, researching suppliers is essential to avoid falling victim to scams. You can explore customer reviews and testimonials to gauge the reputation and reliability of the suppliers. This approach allows you to gather insights into the experiences of previous buyers and make an informed choice when selecting a supplier. Furthermore, viewing containers on-site before making a purchase provides you with the opportunity to physically inspect the quality of the containers and verify the legitimacy of the sellers, mitigating the risk of being deceived by deceptive online listings.
Keeping up-to-date with container prices and leasing rates is essential to avoid overpaying when purchasing shipping containers. This involves monitoring market trends and understanding the factors that influence container prices, ensuring that buyers make informed and cost-effective decisions based on current market conditions. By staying informed about pricing dynamics, buyers can navigate the process of selecting reputable suppliers with confidence and avoid potential scams in the shipping container industry.
Utilizing online platforms that offer verified and vetted container sellers to find reliable suppliers. These platforms provide a curated list of reputable suppliers, complete with customer reviews and ratings, enabling buyers to make informed decisions based on the experiences of previous customers. By leveraging such platforms, buyers can mitigate the risks associated with encountering fraudulent sellers and ensure a secure and transparent procurement process for shipping containers.
Factors Affecting the Price of Shipping Containers
When it comes to the price of shipping containers, there are several key factors that can significantly influence the cost. One of the primary determinants is the age of the container. Newer containers typically command a higher price due to their pristine condition and longevity, while older containers might be more budget-friendly but could require additional maintenance.
Another crucial consideration is the features included in the container. Containers with custom features like windows, insulation, and electrical inputs can be more expensive than standard ones. These additional features enhance the functionality and versatility of the container, catering to specific needs such as temperature-controlled storage or mobile office setups, justifying the higher price tag.
The condition of the shipping container plays a vital role in pricing. Containers classified as “Cargo Worthy” or “Wind & Watertight” generally come at a premium due to their superior condition and structural integrity, providing peace of mind to buyers regarding the quality and durability of the container. Conversely, containers with visible wear and tear may be more affordable but could necessitate repairs or refurbishments, impacting the overall cost.
It’s important for buyers to factor in delivery expenses when assessing the total cost of purchasing a shipping container. The location of the supplier in relation to the buyer, as well as the mode of transportation, can influence delivery costs. Additionally, the availability of the desired container type and size at the chosen location may impact delivery expenses, emphasizing the need for thorough consideration of logistics when budgeting for the purchase. Understanding these factors equips buyers with the knowledge needed to make well-informed decisions and ensures that they secure shipping containers that align with their specific requirements and budget constraints.
As an example, a buyer seeking a shipping container for storage purposes may encounter varying price ranges based on the container’s age, condition, and additional features. A newer container with custom features such as insulation and electrical inputs may command a higher price due to its enhanced functionality and durability, while an older container with visible wear and tear might be more affordable but require additional maintenance. Additionally, the cost of delivery, influenced by factors such as distance and logistics, adds another dimension to the overall pricing considerations. By understanding these pricing dynamics, buyers can make informed decisions and avoid overpaying for shipping containers, mitigating the risks associated with potential scams in the market.
Avoiding Scams When Buying Shipping Containers Online
When buying shipping containers online, it is essential to be cautious and vigilant to avoid falling victim to scams. One common red flag to watch out for is pricing that seems too good to be true.
Scammers often use unbelievably low prices to lure unsuspecting buyers into making hasty decisions without conducting thorough research or verifying the legitimacy of the seller. A 40-foot shipping container typically has a certain price range, so if a seller offers a significantly lower price without a valid explanation, it could be a warning sign of a potential scam.
As a buyer you should be cautious of sellers who pressure them into making impulsive decisions or using unconventional payment methods. By exercising skepticism and thoroughly vetting potential sellers, buyers can protect themselves from potential scams and ensure a secure and transparent transaction process when purchasing shipping containers online.
Seeking recommendations from trusted industry sources and leveraging verified online platforms can provide buyers with a curated list of reputable sellers, reducing the susceptibility to fraudulent activities and safeguarding their financial interests.
Reporting Shipping Container Scams
If you have fallen victim to a shipping container scam, it’s important to report the incident to the Federal Trade Commission. By doing so, you can prevent others from falling victim to the same fraudulent practices and contribute to the reduction of such activities within the industry. For example, if you encounter a suspicious online platform offering shipping containers at remarkably low prices and later realize it’s a scam, reporting the website to the proper authorities can help prevent others from being deceived.
Reporting any shipping container scams is essential in raising awareness about the tactics used by scammers. This can lead to increased vigilance among potential buyers and further deter scammers from targeting vulnerable individuals within the market. For instance, if you come across a social media page posing as a legitimate container company but suspect fraudulent activity, reporting it can help protect others from being swindled by the same scam. By taking the initiative to report shipping container scams, you contribute to the overall protection of buyers and the prevention of future fraudulent activities within the industry.
Taking reporting measures is also essential in raising awareness and preventing scammers from targeting more individuals in the future. By reporting shipping container scams, victims can contribute to the protection of others and the reduction of fraudulent activities in the industry.
Victims can share their experiences and warnings through online forums and social media platforms, creating a network of awareness and vigilance within the community. By sharing insights and cautionary tales, victims can help others identify potential scams and avoid falling victim to fraudulent activities within the shipping container industry. This collective effort in raising awareness and sharing information contributes to the overall protection of buyers and the prevention of future scams, fostering a safer and more secure environment for transactions related to shipping containers.
The Bottom Line
The global storage container shortage has heightened the risk of scams in the shipping container industry, making it imperative for buyers to exercise caution and thorough due diligence when engaging in transactions. By being vigilant, verifying the legitimacy of sellers, utilizing secure payment methods, and staying informed about pricing dynamics, you can protect yourself from potential scams and ensure a secure and transparent procurement process for shipping containers.
Want to get your next container from a proven supplier? Contact us now for a quote. We’ve been providing custom and specialized containers for commercial and governmental projects for over three decades. With K&K International, your container is always delivered on time, in great shape, to your exact specifications!
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finance
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https://www.tywynbaptistchurch.org.uk/justice-team/christians-against-poverty/
| 2024-03-03T10:47:36 |
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Christians Against Poverty (CAP)
CAP Money is a simple, yet highly effective money management course that teaches people budgeting skills and a cash-based system that really works. This course will help anyone to get more in control of their finances, so they can save, give and prevent debt.
TBC has partnered with Christians Against Poverty to offer CAP Money courses in our community. The service we offer is completely free. Please contact us find out when the next course is running at TBC or visit CAP money to find out about courses in other parts of the country.
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finance
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http://tilomitra.com/3-dangerous-factors-fueling-torontos-crazy-hot-real-estate-market/
| 2018-12-11T10:12:42 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376823614.22/warc/CC-MAIN-20181211083052-20181211104552-00063.warc.gz
| 0.973004 | 1,636 |
CC-MAIN-2018-51
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en
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This article was originally published by me on Medium.
I’ve been following Toronto’s Real Estate market closely over the last 18 months while applying Macroeconomic concepts to it. It’s been an interesting learning experience to me and I’d like to share my thoughts on the matter here. I’ll preface by saying that the following is just my interpretation of what’s going on. I’ve tried to present as much raw data as I can. I encourage you to make up your own mind, but try to keep an open mind.
Ok, so you don’t have to be an economist to understand that something is amiss in the Real Estate markets of Canada’s largest cities, Toronto and Vancouver. I’m going to focus on Toronto in this article. I live there so I understand the dynamics of the city. It’s also the largest city in Canada so what happens here significantly and directly affects the Canadian economy.
“Ok, so prices are going crazy and people aren’t earning a lot more money than they were before. We already knew that.” Don’t worry, I’ll get to the good stuff soon. Before we start, here are a few simple concepts that you should be aware of.
Simply put, The Federal Interest Rate is the cost of borrowing money, as set by the Bank of Canada (BOC). The BOC will regulate interest rates to ensure that inflation stays around 2%. However, changing the interest rate affects the economy in different ways, as we will see below.
A low interest rate means people can borrow more money since they will be paying lower interest on their mortgage.
Interest rates are often lowered to boost sluggish economies. Low interest rates mean that companies can borrow money cheaply to invest in building goods & services, which in turn will boost the economy.
Low interest rates mean reduced foreign investment, because investors do not get a high return on their money. This makes the Canadian dollar less likely to be bought, which lowers the value of it. Therefore, prolonged periods of low interest rates can cause inflation.
A HELOC is a mechanism by which a home-owner can take out a loan from the bank. If your house has gone up in value, you can take that equity out of the house at a low interest rate.
Example of HELOC If you bought a house for $1M (with $200K downpayment), and it has now gone up to $1.5M, you just made $500K on a $200K investment. But you can’t get access to this money until you sell your house. In these situations, you can get a HELOC. The bank would give you $500K (or however much you want, upto 65% of the value of your house), and in return you would pay the bank a low interest rate. HELOCs are often used to consolidate debts since the interest you pay on them is quite low. However, they can be dangerous as we will soon find out.
First, let’s talk about what is not happening. I don’t think this market is being fueled by foreign buyers coming and buying up properties in bulk. I don’t trust TREB but their data suggests that only 5% of all property may be bought by foreign buyers.
This means foreign buyers bought about 5,000 properties last year in Toronto. That number seems reasonable to me.
No, prices are not going up because “Toronto is like London, New York and Paris.” Toronto is not one of the financial, cultural, or metropolitan capitals of the world. Not yet.
It’s the year 2015. Steve & Kelly are a married couple who rent in Toronto. Let’s say they earn a gross family income of $100K ($6K monthly take-home after tax) and they pay rent of $2,000 a month. Very reasonable.
At this point, a few things can happen. And this is where things can get dangerous.
All three of these scenarios demonstrate speculation, as Steve & Kelly really have no idea what the market will do, but they use the increased valuation of their house to live above their means.
The Bank of Canada recently mentioned that HELOC loans are going through the roof. Forty percent of consumers do not make a regular payment against the outstanding HELOC principal and 25 percent cover only the interest or minimum payment.
These loans that people are taking out are being spent on speculative investments or consumer goods. This means things like home improvements, cars, vacations, TVs, Macbooks, etc.
In the previous example, Steve & Kelly earned $100K/year but somehow managed to get into a $1.5M house + other assets via their HELOC.
Well, in the near future, a few things can happen.
Well, Steve & Kelly are paying $3,000 at a 2.3% interest rate, which constitutes 50% of their monthly income. They also have to pay off their HELOC at some interest rate. What happens if that rate rises by 1%? Well, their payments would increase by $500, or 15% a month.
If rates rose by 2%, they would be paying $1,000 more per month!
Now you may say, “C’mon, interest rates don’t rise by 1–2% out of nowhere”, and you’d be right. But it doesn’t actually take a rate hike for Steve & Kelly to get screwed.
What happens if property prices stop going up by 15% a year (maybe because the government introduces some measures)? Well, as soon as property prices stagnate, speculators in the market will want to cash out because they were in it to make money.
This can cause an increase in supply in the market, which can lower demand. No more FOMO if there are a ton of houses on the market. This causes prices to drop more. No one wants to buy a house when home prices are falling, and everyone wants to sell.
Falling home prices will directly affect the amount of remaining equity in Steve & Kelly’s home.
What happens if prices fall by 15%, which is possible since they have been rising by 17% YoY?
Well, their $1.5M house would be worth $1.22M. Therefore, their total equity is $200K (downpayment) + $220K (appreciation). But they took out a $300K HELOC so their real equity is only $120K.
In other words, a 15% decrease in home prices means they are $80K underwater.
The government is going to try it’s best to make sure people’s home prices do not fall because if they do, they will get voted out. However, the government can only do so much to control the market. They can’t really restrict free market economics.
Here’s another data point for you. The Canadian Dollar is trading at the lowest price vs. the USD over the last 12 years, and the Bank of Canada recently announced that the economy did better than expected in terms of job creation.
A good economy means that interest rates can rise, because there is no need to support it with artificially low rates (It’s what we talked about right at the beginning, remember?). If rates do not rise, then the dollar will keep falling in value.
So there are really two options:
Either way, people aren’t going to be happy. And that’s the problem that the Bank of Canada faces.
If I had to list the main takeaways from this article, I’d suggest:
I think that’s good advice regardless of whether there is a housing bubble or not.
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finance
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https://sec-api.com/filing/acc/0001398344-17-004724
| 2020-10-27T20:23:06 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-45/segments/1603107894759.37/warc/CC-MAIN-20201027195832-20201027225832-00103.warc.gz
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CC-MAIN-2020-45
|
webtext-fineweb__CC-MAIN-2020-45__0__94118543
|
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ALPINE GLOBAL INFRASTRUCTURE FUND,
A SERIES OF ALPINE EQUITY TRUST
SUPPLEMENT DATED APRIL 10, 2017
TO THE SUMMARY PROSPECTUS DATED FEBRUARY 28, 2017
The following replaces the second footnote to the fee table in the section of Alpine Global Infrastructure Fund’s Summary Prospectus titled “Fees and Expenses of the Fund”:
(2) The Adviser has agreed contractually to waive and/or reimburse expenses of the Fund so that total annual fund operating expenses (including 12b-1 fees, but excluding interest, brokerage commissions, acquired fund fees and expenses and extraordinary expenses) do not exceed annually 1.45% of the average net assets of the Class A shares and 1.20% of the average net assets of the Institutional Class shares. Total annual fund operating expenses after waiving fees and/or reimbursing expenses exceed the expense cap as a result of interest expense. This arrangement cannot be terminated prior to February 28, 2018 without the Board of Trustees’ consent. The Adviser may recapture amounts waived and/or reimbursed to a class if such recapture occurs within three years of the waiver and/or reimbursement and does not cause the total annual fund operating expenses of the Fund for any year to exceed the limits described above.
Please retain this Supplement for future reference.
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finance
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http://gdbremodeling.com/blog/category/sell-your-house-fast/
| 2018-08-19T13:45:32 |
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Selling a house can be a really tiresome procedure thinking about just how selective buyers can obtain. It can obtain discouraging whenever potential buyers pertain to watch your house but don’t appear to be encouraged. When selling your house, plenty of persistence is required, plus you would have to make certain that your home is in the best condition to thrill the possible home buying company such as Highest Cash Offer and also compel them to lastly close the deal.
Nevertheless, some situations may not offer you sufficient area to exercise such persistence. Maybe that you are in urgent demand of cash or you are shooting with the sale to avoid foreclosure. Job loss and also relocation as well as divorce are several of the various other things that could place you in a place where you simply have a have to have actually the house sold. If you value your house, you wish to have the very best offer of what it’s worth, yet the limited time you have can imply supplying it at a throwaway rate. Thankfully, there is a far better way out of all the tedious job of obtaining the house in good condition and waiting for an interested customer prior to you can obtain your practical the cash that you require.
The Investor Remedy
When in such a placement, after that the best way out is to find real estate investors. Such financiers make the selling process very simple for you and will make certain that you obtain value wherefore your house truly deserves. The capitalists buy properties and you do not should take care of any repairs that are called for. Their main aim is to buy your home prior to updating it and making it ready for resale. When you don’t have the moment to do all this and you are truly not interested to go through all the concerns after that such an investor supplies you a fast escape of the scenario.
In essence, the capitalist will certainly have the house valued by an expert and give you an offer based on its current worth. The offer naturally will likewise be based upon the degree of house damage in various locations, but you absolutely get worth for the current problem of the house. The best aspect of real estate investors is that most offer cash for the sales as well as you could, therefore, channel the cash to areas that are crucial to you or locations that require your urgent financial focus.
They likewise have fewer limitations when it concerns the kinds of homes they could buy. Unlike buyers who have certain kinds of residences they are interested in acquiring, financiers will occupy anything, including condominiums, condominiums, duplexes, single household residences as well as land. This conserves you the time of waiting for the ideal purchaser to find along. If you are encountering a difficult situation and should sell your house fast, after that the real estate investors offer the quickest escape and you don’t need to bother with the problem of your house or long closing procedures.
Whether you are wanting to quit foreclosure or you simply have an urgent need for the loan, after that a real estate investor saves you the long, tedious procedure of locating the appropriate buyer as well as closing the deal. Anyway, you might follow more tips to sell it faster and at a better price.
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finance
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http://www.upns.org/article/182-100-hryvnia-note-for-2015
| 2017-04-29T15:28:51 |
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| 0.919422 | 475 |
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webtext-fineweb__CC-MAIN-2017-17__0__289813609
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en
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New 100-hryvnia note for 2015
- Published on 30 March 2015
- Written by UPNS Admin
- Hits: 3332
On March 9, 2015 the National Bank of Ukraine introduced into circulation a newly designed 100-hryvnia banknote with a number of advanced international security features, including a transparent 'window' and an optically variable SPARK feature which changes color depending on the viewing angle.
The new note is the dominant yellow-olive color as with the previous version of the bill and is printed on paper substrate containing a watermark of Taras Shevchenko and electrotype 100. The obverse features a portrait of Ukrainian national poet Taras Shevchenko, a painter’s palette and brushes as a SPARK patch, and prose from his poem “Shall we ever meet again...” ("Чи ми ще зійдемося знову") written in 1838.
Love your dear Ukraine, adore her,
Love her . . . in fierce times of evil,
In the last dread hour of struggle,
Fervently beseech God for her.
The images have individual relief printing allowing them to be checked by touch alone. The signature is that of Valeriya Hontareva, Head of the National Bank of Ukraine.
The reverse shows the Taras Shevchenko National University building in Kyiv and the year 2014. The note also contains security features detectable by those with visual impairments, as well as those detected using Ultraviolet (UV) and Infrared (IR) light.
Deputy Governor of the National Bank, Jacob Smoliy, noted that the date of issuance of the notes - March 9, 2015 - coinciding with the anniversary of the birth of the outstanding representative of the Ukrainian people Taras Shevchenko. "It is symbolic that the presentation of the new banknotes 100 hryvnia, which, as in this denomination banknotes previous examples, a portrait of Taras Shevchenko is the very year the 200th anniversary of the birth of the Great Poet."
The new banknote is the result of a long term project begun in 2012 to replace the previous banknote series issued between 2003 and 2007.
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finance
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http://www.seawaves.net/en/Articles/3342/NITC-Mulls-Investment-in-LNG-Tanker-Fleet.html
| 2022-01-20T10:50:34 |
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| 0.964441 | 368 |
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webtext-fineweb__CC-MAIN-2022-05__0__216365371
|
en
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National Iranian Tanker Company (NITC) is considering venturing into the liquefied natural gas (LNG) market as Iran gears up for production of natural gas in the future.
The plans were revealed by Mohammad Reza Shams Dolatabadi, NITC’s head of international affairs, Reuters reported, who said that NITC was looking into the acquisition of LNG tankers in the upcoming three to five years.
The diversification plans and fleet build-up come as NITC marks a substantial return to the European shipping market following the lifting of sanctions against Iran in January 2016.
“Our ships are calling at many European ports, and the number of these shipments is increasing day by day,” he told Reuters.
According to Dolatabadi, the company is eager to renew its fleet and is working on a five-year plan that will include purchasing of new tonnage and dismantling of outdated vessels, but without a major change to the fleet’s capacity.
Earlier this month, NITC’s parent company, National Iranian Oil Company (NIOC), signed a USD 5 billion deal with Total, marking the return of European oil majors to the country.
“By signing this contract, a lot of doubts with some foreign companies to invest and work in Iran will be resolved, and in fact, this will be the beginning of a return for those who want to invest in Iran, not only in Oil industry, but also in other fields not related to oil,” Iranian Minister of Petroleum Bijan Zangeneh said.
As disclosed by NIOC, Iran currently produces 290,000 barrels of crude oil per day, the figure which is going to witness an increase of 78,000 barrels bpd.
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finance
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https://woodburyimplantandoralsurgery.com/new-patients
| 2020-09-30T09:11:59 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-40/segments/1600402123173.74/warc/CC-MAIN-20200930075754-20200930105754-00439.warc.gz
| 0.947032 | 185 |
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en
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To expedite your appointment, we invite you to click the link below to print and complete our oral surgery patient forms. Just remember to bring the completed forms to your appointment. We look forward to meeting you.
At Woodbury Implant Sedation and Oral Surgery, we accept all dental insurance plans that allow you to choose your dentist. We are also contracted with several insurance plans. Please call us to see if we are in network for your plan.
As forms of payment, we accept cash, check, most major credit cards, and CareCredit, a third-party financing program that offers low- and no-interest financing plans. We also offer a 10% discount to senior citizens and a 5% discount to those who pay on the day of their service. For more information on CareCredit, dental insurance, or your financial options, please call us. We will gladly answer any questions that you may have.
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finance
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https://josephmcinerney.medium.com/how-to-invest-in-your-first-property-3e0423b33386?source=user_profile---------7----------------------------
| 2023-10-04T16:36:01 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511386.54/warc/CC-MAIN-20231004152134-20231004182134-00498.warc.gz
| 0.94885 | 446 |
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|
webtext-fineweb__CC-MAIN-2023-40__0__118304671
|
en
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There are many different ways for property owners to make money on their investments. One of the most common ways is by purchasing a rental property for either residential or commercial use. Yet getting into real estate investment can be tricky and intimidating. There’s a lot to research and learn before making your first purchase. Here is some advice on investing in your first property.
Is It Right For You?
Before making the big decision to invest in real estate, ask yourself if this is the right move for you. Does it make sense financially? There are mortgages and operating costs to consider, along with any surprises that may crop up. Other concerns include whether you’re willing to deal with tenants (this can vary depending on whether the property is residential or commercial). Don’t be afraid to think things over before making any final decicions.
First things first, investing in real estate requires funding. For your first property, you’re more than likely going to need to rely on a mortgage rather than being capable of paying for the property upfront. Ideally, one should strive to get preapproved before they begin seriously looking for property to purchase. This will streamline the process while allowing you to move quickly when you find the right property.
Generally, one should expect to put down between ten and twenty percent of the property value as a down payment. This will need to be considered in addition to handling a mortgage.
Once all the finances have been accounted for, it is time to start property hunting. Two primary concerns for this part of the process would be location and budget. It is beneficial to look at different areas and research their average rental prices, as this will provide an idea of prices and returns.
One final thing to consider is how the property will be maintained. Are you going to be the property manager? Or is hiring a property manager a better option? The latter is beneficial if you want to be hands-off, own properties outside of your area, or hand it off to someone with experience. However, remember that this will cut into the return on your investment.
Article originally published on JosephMcInerneyChicago.net
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finance
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https://www.gamblingbonusforum.com/t109-rank-to-acquire-gala-casinos
| 2022-10-01T17:19:02 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030336880.89/warc/CC-MAIN-20221001163826-20221001193826-00481.warc.gz
| 0.928931 | 701 |
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en
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Rank To Acquire Gala Casinos
The Rank Group Plc (“Rank” or the “Company”)
Proposed acquisition of Gala Casinos Limited (“Gala Casinos”)
Rank announces that it has conditionally agreed to acquire Gala Casinos from Gala Coral Group Limited (“Gala Coral Group”) for a total cash consideration of £205 million (the “Acquisition”).
The Acquisition includes 23 casinos in Great Britain and three non-operating licences. Gala Coral Group’s casinos in Dundee and Gibraltar, its non-operating licence for the City of Westminster (London) and all of the central management functions previously associated with Gala Casinos are not included in the scope of the Acquisition.
The Acquisition presents a significant opportunity for Rank to continue to deliver sustainable value to shareholders through the development of its successful casino portfolio:
· Creates the largest casino operator in Great Britain by number of casinos with 58 operating venues and 13 non-operating licences
o Strongly positioned to capture the long-term growth opportunities presented by the British casino sector
o Significant opportunity to deploy Rank’s proven management expertise across an enlarged portfolio
· Accelerates Rank’s programme of estate expansion in Grosvenor Casinos
o Rebranding of Gala casinos extends Grosvenor brand into 11 new cities
o Roll-out of the proven ‘G Casino’ format to nine Gala casino locations. The ‘G Casino’ roll-out has historically generated over 20% year two cash on cash returns
· Expected to be earnings enhancing for Rank in the first full financial year of ownership
Rank intends to finance the Acquisition along with its related costs and expenses with new three-year bank facilities totalling £175 million together with existing bank facilities.
Commenting on the transaction, Ian Burke, chairman and chief executive officer of Rank said:
“We are delighted to have agreed terms with Gala Coral. This Acquisition will deliver a step change in Rank’s earnings by capitalising on our proven record of operational excellence in the British casino sector and will be earnings enhancing in the first full year of ownership. By rolling out the ‘G Casino’ format into the Gala estate and expanding the Grosvenor Casino brand into 11 new cities, we will accelerate the growing awareness of the brand and support the development of a multi-channel gaming business.”
The Acquisition, which is expected to be completed in the third quarter of calendar 2012, is conditional upon the approval of Rank shareholders and receipt of UK merger control clearance.
A circular including details of the Acquisition and containing notice of a general meeting of the Company (the “General Meeting”) (at which a resolution seeking Rank shareholder approval for the Acquisition will be proposed), will be despatched to shareholders as soon as practicable (the “Circular”).
Rank has received an irrevocable undertaking from its majority shareholder, Rank Assets Limited (a wholly-owned subsidiary of Guoco Group Limited), to vote in favour of the resolution to be proposed at the General Meeting.
Evercore Partners is acting as sponsor and financial adviser to Rank in relation to the Acquisition. Investec is acting as corporate broker to Rank.
You can try out the new GalaCasino by clicking banner underneath here
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finance
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https://henkilostoliiga.fi/en/for-the-employee/wages/
| 2019-05-21T19:58:13 |
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| 0.957848 | 150 |
CC-MAIN-2019-22
|
webtext-fineweb__CC-MAIN-2019-22__0__142691833
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en
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As an employer Henkilöstöliiga is a secure and sure business which has been in the field for a long time. In regards of wages we strictly adhere to the sector specific collective agreements. An employer’s hourly wage is determined based on the assignment, collective agreement and competence. Even if the place of employment were to change, Henkilöstöliiga will remain as your employer. We will take care of all the employer’s statutory duties, like holiday compensation, social security payments and insurances in the normal fashion.
All our services are free for the job-seeker. In 2016 we employed over 500 people, the amount of money we paid as wages was approx. 2,5 million euros.
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finance
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http://marshfamily95.blogspot.com/2010/05/cvs-trip.html
| 2018-07-21T15:19:11 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676592636.68/warc/CC-MAIN-20180721145209-20180721165209-00323.warc.gz
| 0.964394 | 724 |
CC-MAIN-2018-30
|
webtext-fineweb__CC-MAIN-2018-30__0__189104642
|
en
|
I have always thought that using coupons was a waste of time. A few months ago, a friend of mine started couponing on a regular basis and was saving "LOTS" of money on groceries and other items. I decided I wanted to save up to 50% on my grocery bill using coupons too. I started purchasing Sunday Newspapers with coupon inserts in them...at least two a week. I also used Internet coupon sites to print off coupons and found website for specific products where they also offer coupons. I purchased a box to organize all my coupons...and I was ready to go.
I started "following" many different blogs that helped me understand all of that couponing lingo...and was very psyched about saving money. One store that I always thought was "overpriced" and didn't understand why people would shop there was CVS. Granted, I got any prescriptions there...but never would think to buy my shampoo, laundry detergent, deodorant, toothpaste, etc. there....but BOY was I WRONG!!! CVS is a great place to use coupons. I was already a CVS EXTRA CARE rewards member..and every week CVS runs great specials for those with EXTRA CARE cards. They also have a coupon center that you can scan your card at daily to receive coupons for your CVS purchases....as well as they have a Green Bag tag that costs $1. You can scan the card once per day with a purchase (if you have a "green bag") and after it is scanned four times you receive a $1 ECB to use on another purchase. I have been shopping at CVS weekly since I started using coupons...but never really had anything to write about until today!!! I visited one of the blogs that I visit daily Couponing to Disney and she was hosting a Bargain Brag Tuesday link. I visited Friend Family Savings and saw what she had purchased at CVS this week for only $1.43. So I found the coupons I needed to almost duplicate her purchase and........
Here is what I bought
(2) Betty Crocker Warm Delights $1 ea
(2) Nivea Body Wash 16.9 oz. $4.88 ea
(2) Nivea Lip Care $2.99 ea
(2) Dawn Hand Renewal Dish Soap $.97 ea
(4) Tic Tac singles $1.39 ea
(2) $.50/1 Betty Crocker Warm Delights (printable here)
(1) $4.00/1 Nivea Body Wash RP insert 5/2
(1) B1G1 Nivea Body Wash from All You (May 10)
(1) $1/1 Nivea Lip Care RP insert 5/2
(1) B1G1 Nivea Lipa Care from All You (May 10)
(1) $2/2 Body Wash (CVS coupon printed from coupon center – details here)
(1) $1/2 Dawn Hand Renewal for P& G insert 5/2
(2) B1G1 single Tic Tac from RP insert 5/2
$6 ECB from previous purchase
= $0.08 OOP!!!!!!!!
PLUS I received $5 ECB for buying $15 in Nivea products
Total: A $4.92 Money Maker (including the $.25 green card scan it would really be a $5.17 Money Maker!!!
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finance
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http://bettyhinton.ca/speeches/2004-03-25.html
| 2020-02-23T12:48:42 |
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| 0.878771 | 4,737 |
CC-MAIN-2020-10
|
webtext-fineweb__CC-MAIN-2020-10__0__181299973
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en
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Mr. Speaker, today I rise to speak to the tenth budget of a tired, old and corrupt Liberal regime.
Monsieur le président, je prends la parole aujourd'hui au sujet du dixième budget d'un régime Libéral fatigué, vieux et corrompu.
It is a Liberal regime mired in scandal. It is a Liberal regime wishing to shake its past. It is a Liberal regime that cannot be trusted to manage our public funds.
This budget tried to make one claim. It tried to say that this government can be trusted to manage public funds. But what is the reality?
We have continued record spending levels. The government has been exposed as ripping off the taxpayer in scandal after scandal. The government has been exposed as wasting dollar in program after program. And this budget will change none of those things.
Ottawa remains knee deep in cash - hidden surpluses will continue. A few short years ago, the Government of Canada had projected program spending of just over $100 billion dollars. This budget projects program spending well over $150 billion dollars. That is an increase of 50 percent.
There is no return of tax dollars to overtaxed Canadians and Canadian families. There is no reduction in onerous tax levels. And the pledge to do better in the future is empty. It is empty because this government, and this prime minister, has had ten years to do better.
He was the one writing the cheques for the sponsorship scandal. He was the one writing the cheques for the HRDC boondoggle. He was the one writing the cheques for the useless gun registry. His promises to clean up the mess are simply not credible.
He had his chance. And he missed his chance.
Paul Martin then vs. Paul Martin now.
Monsieur le président, ce gouvernement a bénéficié de 10 années pour se poser en bon gestionnaire financier.
Ce premier ministre a bénéficié de 8 budgets pour mettre en place des changements afin d'améliorer la gestion des fonds publics. Et il n'en a rien fait.
Dans les discours des précédents budgets, il a répété qu'il contrôlait bien les dépenses publiques. Maintenant, le premier ministre dit qu'il n'avait « aucune idée » de ce qui se passait dans le scandale des commandites.
Mr. Speaker, this is the tenth budget of this tired, old and corrupt Liberal regime. The first eight budgets were delivered, as Canadians know, by the current prime minister. Before turning my attention to today's budget, I want to take a small detour through some of those earlier budgets.
Mr. Speaker, in those early budgets, the Prime Minister, who was finance minister at the time, took full responsibility for the spending program of the government. The message of those budgets was clear: your finance minister is in control of taxpayers' dollars.
In his 1995 budget speech, the current prime minister said the following:
The government has just introduced a new and much tighter system to manage its spending.
For the first time, departments will have to prepare business plans for three years forward. that transparency and that accountability will mark a major departure from the past.
Individual ministers are being asked to alter their funding approach accordingly. They will be held accountable for their decisions and those decisions will be reviewed annually.
Reviewed annually, one can only assume, by the minister of finance, or at least by Treasury Board, on which the minister of finance was the vice chair.
The year 1995 is significant. That is the year in which the Liberal government nearly lost the country. That was also the year in which the Liberal government decided to create a sponsorship program.
Allow me to rephrase that:
The year that the Liberals created the Sponsorship Program was also the year in which the current prime minister put in place "a new and much tighter system to manage its spending."
Of course, most Canadians remember 1995 as the year in which government cut billions of dollars from the health care system.
Allow me to rephrase that:
The year that the Liberals created the Sponsorship Program was also the year in which the current prime minister massively cut spending on health care.
The 1995 budget put forward four priorities.
The very first priority was to:
Reform government programs and procedures to eliminate waste and abuse and ensure value for the taxpayer's dollar.
This promise was repeated in his 1996 budget speech:
If there is one area where we must never let up, it is the effort to root out waste and inefficiency.
And in his 1998 budget speech:
The battle to root out waste and inefficiency can never end.
Now, allow me to rephrase all of that:
The year in which the Liberals created the Sponsorship Program was also the year in which the current Prime Minister first vowed to root out waste and abuse of taxpayer dollars.
And now this budget, once again, tries to establish the government as "prudent managers." The government has made a number of recommendations to tighten spending. They want to re-establish the office of comptroller general. Canadians are rightly asking, "you mean you don't have one now?"
And the answer is, no. The answer is "no" because the current Prime Minister cut this office in his first budget as finance minister.
They want to appoint professionally accredited comptrollers. And Canadians are rightly asking, "you mean they aren't accredited now?"
And the answer is no - because the Prime Minister never thought it necessary to establish them.
The want to bolster the audit function, they want "real-time information systems" and "public disclosure of contracts." And again, Canadians are rightly asking, "you mean they don't do that now?"
And the answer is no, because the Prime Minister never thought it necessary when he was finance minister.
Why should Canadians believe any of these promises when the Prime Minister had ten years - ten years as finance minister - to make them happen?
The Prime Minister cannot have it both ways. He cannot claim, on the one hand, to have had a tight reign on spending, and at the same time, not created the most elementary spending control mechanisms that this scandal has finally driven the government to recommend.
The Prime Minister cannot have it both ways. He cannot claim, on the one hand, to have "reformed government programs", to have "eliminated waste and abuse", and at the same time claim that he had absolutely no idea that $100 million dollars was being shovelled into the hands of Liberal friends.
Yet, that is exactly what the Prime Minister is saying today.
Allow me to quote from some more recent statements.
On February 10:
I had no idea what was going on here.
On February 11:
I didn't know anything about it.
On February 16:
Did I know that people were kiting cheques, that people were making payments that were inappropriate, did I know all of those things?... The answer is absolutely not. I did not know that.
These claims to ignorance and innocence are no more believable coming from the Prime Minister than they are coming from Alfonso Gagliano.
The current budget
Le Premier ministre veut croire qu'il représente le changement. Il est bien loin de la vérité.
Ce Premier ministre a eu 10 ans pour tenir ses promesses, comme la création d'un poste de commissaire à l'éthique indépendant, plus de votes libres, et un meilleur programme d'infrastructure pour répondre aux besoins de nos municipalités.
Ce Premier ministre a manqué l'occasion de réaliser toutes ces choses et il ne mérite pas une seconde chance.
Yesterday's budget continues the theme put forward by the Prime Minister in a speech last week. The Liberals want Canadians to believe that they represent "change". "Trust me," says the Prime Minister, usually with some reference to "high water" and "hell."
Why should Canadians trust this Liberal government? For ten years, this Liberal government has refused to create a genuinely independent ethics counsellor. For ten years, this Liberal government has failed to give its members free votes. For ten years, this Liberal government has failed to allow Parliament to review appointments. For ten years, this Liberal government has failed to prudently spend Canadians' tax dollars. For ten years, this government has failed to deliver municipal infrastructure programs that adequately meet the needs of our communities. For ten years, this government has failed to clean up contaminated sites like the Sydney Tar Ponds.
And these are just some of the promises made by the Liberals repeated - made in the first Liberal Red Book in 1993; made in a book written by the current Prime Minister himself.
Mr. Speaker, promises of change from this Prime Minister are no more believable today than they were ten years ago. He had his chance. And he missed his chance. And that is why Canadians should not believe the promises in this budget.
Budget promises: don't hold your breath
Allow me to briefly touch on some of the items in this budget.
Ce budget s'efforce de présenter le gouvernement comme un bon gestionnaire financier. Et pourtant, il n'y a toujours pas de changements au registre des armes à feu. Les membres du gouvernement continuent de se déplacer dans des nouveaux avions à réaction, alors que l'armée se contente de vieux hélicoptères.
Ce gouvernement veut parler de faire le ménage dans les dépenses gouvernementales afin de dissimuler le montant des sommes gaspillées au cours des 10 dernières années.
Le budget fait quelques promesses positives pour les soins de santé et l'éducation, mais ce ne sont guère plus que des vieilles promesses des dernières années qui sont réutilisées.
Le budget se prononce en faveur d'une plus grande ingérence du fédéral dans les champs de compétence des provinces - en particulier dans le domaine des villes.
Il n'y a pas d'argent pour l'armée, il n'y a pas de limite à l'arnaque de l'assurance-emploi. Et par dessus tout, il n'y a pas d'allégement fiscal pour les canadiens et leurs familles.
The government has made promises to clean up spending if the Canadian people re-elect it.
This promise is little more than empty rhetoric. There are no plans to scrap the firearm registry. There are no plans to reduce corporate welfare. The government is still flying brand new jets while the military has to make do with dilapidated helicopters.
This government wants Canadians to believe that they are good managers because they balance the budget. It wants Canadians to trust their fiscal management of money, even thought it is padding the budget for future spending without any controls.
This government has a dismal record of fiscal management, and no amount of balanced budgets is going to gloss over the sponsorship scandal, the gun registry or the HRDC boondoggle.
To repeat, it was the current Prime Minister who first weakened the comptroller functions of government in 1994. In 1995, the Prime Minister promised a program review, yet he would have us believe that the sponsorship scandal somehow escaped his attention.
This government is no more likely to clean up spending today than it was likely to eliminate the GST in 1993. This is just empty rhetoric to hide the lack of real action to eliminate waste.
The EI rip-off will continue. The overspending on the gun registry will continue. And this government creates a tremendous amount of room for the spending scandals of the future. Governments spending is still rising at record rates - spending this year will double the growth in our economy and our population.
Spending is rising, but outcomes are not changing. Our waiting lines are not shrinking. Our students are still piling up debt. Our soldiers are dangerously unequipped.
The government continues to hide large surpluses, and then blow them in end-of-year bonanzas - this budget continues this disturbing trend.
There is a better way. That better way is to return these massive surpluses to Canadians and Canadian families in the form of tax reductions. We should be putting more money in the pockets of hardworking taxpayers.
What is this government's approach to tax relief? It allows our inadequately equipped soldiers, who are under fire when wearing the wrong-coloured uniforms, to earn their money tax free. What kind of message is this government sending? Only if you are under fire, and lack the adequate protection because of the misplaced priorities of this government, will you get a reduction in your taxes.
The government is setting a debt-to-GDP target for reducing the debt. Interest costs are still a burden on our public finances, and the debt must be reduced so those interest costs can fall.
Can this promise be believed? I would urge the government to copy other governments in Canada by bringing in a legislated debt reduction plan - to put its promise into legislation.
On health care, the government is repeating the promise to provide an additional $2 billion for health care. It is also moving forward on the establishment of a Canadian public health agency. These are developments that we support.
However, I must ask why the public health agency is taking so long. It has been well over a year since SARS hit Canada. Yet the Liberals have yet to appoint a chief public health officer or start to create the new agency.
The same can be said about the Health Accord signed with the provinces. While we continue to support the Health Accord, I am increasingly worried about the inability of this government to follow up on its commitments made in that accord.
On students, the budget promises to expand the student loan program. It also promises to remove barriers to low income Canadians seeking to further their, and their children's, higher education.
These are noble goals.
I would point out, however, that this is not the first time that this government has promised to increase assistance to students - and its track record has been rather abysmal.
This government has not met any of its education targets set out in its 1998 budget - the Prime Minister's so called "education budget." The Millennium Scholarship Program has been a flop according to the government's own review of the program. Most of the other programs announced in 1998 have failed to deliver half of the money promised.
On agriculture, the budget promises an aid package for farmers hit by the BSE. This aid is long overdue, and much needed in this industry. Canada's case of BSE was detected ten months ago, and our beef industry has been suffering since. The announcement of aid for farmers was a staged campaign announcement instead of a genuine act of support and compassion for our ranchers and their families.
In the past, we have seen many programs which look good when announced, but which do not translate into meaningful monetary help for those who need it. I call upon the government to ensure that the money actually makes it to our ranchers and producers immediately - without delays, and without political interference.
On infrastructure, this Prime Minister has spent the better part of the last two years talking about "a new deal for cities". Yet to date, he has delivered precious little. He wants to keep in place boondoggle programs like the federal infrastructure program. He has already waffled on using gas tax revenues for infrastructure spending. And he has failed to talk about issues beyond Canada's big cities.
His failure to deliver on these issues simply confirms that this prime minister cannot be trusted to keep his promises.
On environment, this government is continuing down the path of making grand announcements, without focusing on providing real solutions to real problems.
The Liberals say that they want to restore Canada to a place of pride in the world. Yet for ten years, Canada has seen a dramatic drop in its standard of living, and a widening productivity gap compared to the United States, Ireland, the Netherlands and other countries.
The Prime Minister reserved his deepest cuts for the men and women who so proudly served Canada in the military. And this budget restores absolutely none of that spending. This is a strange way to improve Canada's standing in the world.
And then there are the black holes in the budget. There are programs that are the next Sponsorship, the next HRDC, or the next gun registry.
I refer to $250 million in new money for the Business Development Bank to dole out corporate welfare. I refer to billions in politically directed infrastructure funds. I refer to $90 million in a northern economic development strategy. I speak of $605 million in undetermined spending in the security contingency reserve. This is but a partial list of budget items which the tired, old and corrupt Liberal party put forward to demonstrate change.
The Conservative Party represents real change.
Si les Canadiens souhaitent que les choses changent, et je crois que c'est ce qu'ils souhaitent, cela ne se fera pas grâce à un ensemble de promesses recyclées et vieilles de 10 ans de la part du Premier Ministre.
Ils ne trouveront le changement qu'en changeant de gouvernement. Seul un nouveau gouvernement conservateur changera la façon d'utiliser les impôts.
Seul un nouveau gouvernement conservateur rendra son intégrité au processus politique. Seul un nouveau gouvernement conservateur mettra plus d'argent dans les poches des Canadiens, plutôt que dans celles des compagnies de publicité.
Nous accomplirons toutes ces choses, et même plus, parce que nous ne sommes pas compromis dans des scandales.
Nous accomplirons toutes ces choses, et même plus, parce que nous ne sommes pas impliqués dans 10 ans de mauvaise gestion.
Nous accomplirons toutes ces choses, et même plus, parce que nous n'avons pas à prouver aux Canadiens que nous pouvons gérer leur argent.
Nous accomplirons toutes ces choses, et même plus, parce que nous représentons ce qu'espère et souhaite la majorité silencieuse des Canadiens.
If Canadians are looking for change, and I believe that they are, they are not going to find it in a bunch of recycled, ten year old promises from this Prime Minister. They are only going to find change by changing the government.
Only a new Conservative government will change in the way tax dollars are treated.
Only a new Conservative government will return integrity to the political process.
Only a new Conservative government will put dollars in the pockets of Canadians, rather than in the pockets of ad firms.
Only a new Conservative government will transfer gas taxes to infrastructure projects in all corners of Canada.
Only a new Conservative government will give rural communities and rural livelihoods the respect they deserve.
Only a new Conservative government will protect children and respect families.
Only a new Conservative government will restore funding to our armed forces.
Only a new Conservative government will eliminate, not just cut, the air tax.
Only a new Conservative government will stop the EI rip-off.
We will do these things, and more, because we are not encumbered by scandal. We will do these things, and more, because we are not encumbered by ten years of mismanagement. We can do these things, and more, because we do not have to prove to Canadians that we can manage their money.
We will do these things, and more, because we represent the hopes and desires of the majority of unheard Canadians. We will do these things, and more, because for the first time in ten years, we can present a united conservative choice to Canadians.
We will listen to those in Atlantic Canada who desire greater control over their own destinies and over their own natural resources. We will respect those in Quebec, with their own unique language and culture. We will hear the majority of unheard Ontarians who are demanding accountability and sound fiscal management. We will welcome the West into the corridors of power.
The new Conservative Party represents real change for a better government for all Canadians.
Monsieur le président, ce budget met en évidence les différences qui existent entre les Libéraux fatigués et notre nouveau Parti Conservateur.
Notre nouveau Parti Conservateur ne s'embarrasse pas de scandale. Notre nouveau parti conservateur n'a aucun souci à suivre notre vision qui consiste à offrir un gouvernement bon et propre pour le bénéfice de tous les canadiens.
This budget demonstrates the difference between the tired old Liberals and our new Conservative Party.
The old Liberal party is so focussed trying to restore its image that it has little else to propose.
Our new conservative party is not encumbered by scandal. Our new conservative party has no obstacle to interfere with our vision of providing good, clean government for the benefit of all Canadians.
It is a vision of cleaning up waste. It is a vision of reducing taxes for Canadians and their families. It is a vision of providing sustainable, public health care. It is a vision of continuing to clean our water, clean our air, and clean our land, and to do so with a clean government.
It is a vision about which Canadians will be hearing much more in the coming weeks and months.
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Press Releases |
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finance
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http://www.hanimounla.com/article/trumps-sadomasochistic-recession-gives-china-last-laugh/
| 2023-09-27T21:06:00 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510326.82/warc/CC-MAIN-20230927203115-20230927233115-00844.warc.gz
| 0.941186 | 1,481 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__248231767
|
en
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Trump's 'Sadomasochistic' Recession Gives China The Last Laugh
Larry Summers is as blunt as economists come. The onetime U.S. Treasury secretary also has a knack for apt analogies that bring the dismal science to life.
Case in point: Summers calling Donald Trump’s brawl with China a “sadomasochistic and foolish trade conflict.” He did just that Sunday in an interview with CNN’s Fareed Zakaria. Separately, Summers told Bloomberg that the U.S. and world economies are at their riskiest moment since the 2008 crisis.
"Sadomasochistic" certainly fits when you consider how Trump is hitting China with all Washington’s got, and hurting the U.S., too. Summers is hardly alone in fearing the Trump Show ends in recession. Goldman Sachs also fears Trump’s China trade brawl will end in a downturn heading into the 2020 election.
Granted, Goldman Sachs isn’t formally predicting a recession. It is merely telegraphing the growing odds of one. Connecting the dots, though, it is hard not to fear the worst. Goldman Sachs economists, for example, just lowered their fourth-quarter forecast for U.S. growth to 1.8%. That isn’t much of a cushion, considering how global uncertainty is savaging corporate spending and investment and consumer sentiment.
Summers, though, has seen more than his fair share of financial madness. I was among the handful of journalists who traveled with him around Asia in 1997 when the region’s economies were ablaze with contagion. That was when he was deputy Treasury secretary under Robert Rubin. That’s the first time I heard Summers compare an economic policy to sadomasochism. The reference then was to Asia’s competitive currency devaluations, which only panicked markets even more.
Later that year, his team contended with the collapse of Yamaichi Securities, one of Japan’s biggest brokerages. In 1998, Russia defaulted, pushing the global financial system back to the brink. A decade later, Summers was on fire-brigade duty again after the collapse of the Lehman Brothers while serving as head of Barack Obama’s National Economic Council.
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Summers isn’t always right. There are valid criticisms that his different teams are too heavy handed toward Asia in 1997, and too easy on reckless Wall Street bankers a decade later. But when an economist this battle tested warns Trump is blundering his way toward ruin, it’s best to listen. Especially given how all this is playing out in Beijing. China, after all, is getting the better of the U.S., one Trumpian own goal at a time.
Is President Xi Jinping enjoying the trade war? Heavens no. The $250 billion of goods Trump has taxed at 25% for more than a year just produced the slowest Chinese growth in 27 years–6.2% in the first quarter. The additional $300 billion this White House will tax at 10% is a fresh headwind at arguably the worst possible moment.
There’s no doubt that Trump is greatly complicating Xi’s plan to dominate everything from renewable energy to semiconductors to self-driving vehicles to robots to artificial intelligence by 2025. Xi has hoped to rely on China’s export engine a bit longer, while his team of reformers enlivened innovation and high-value-added industries to replace factories, smokestacks and low-wage jobs.
Trump’s tariffs forced Xi to throttle back on "Made in China 2025." It is fair to say, too, that Trump throwing sand into China’s export machinery moves Xi toward greater statism. On the one hand, it’s the growth strategy Beijing knows best. On the other, any move to placate Trump would likely have state-owned enterprises buying up U.S. soybeans, cars, you name it.
Even so, Aesop’s fable about the tortoise and the hare may be the best lens to view Trump-versus-Xi. Trump is the hare, of course. He’s racing full speed ahead with his tariffs and threats, all confidence and hubris. Xi is plodding along, policy-wise, keeping his eyes on the 2025 prize and beyond. The risk is that, like the hare, Trump’s America burns out only to see the steadily progressing turtle–China–reach the finish line first.
Among Trump’s biggest missteps: an epic misunderstanding of how the global trading system has changed since the 1980s. Back then, Trump the real estate magnate railed against an ascendant Japan. In the late-80s, Trump routinely appeared on television talk shows complaining that Tokyo had “systematically sucked the blood out of America–sucked the blood out! They have gotten away with murder. They have ended up winning the war.”
This language will sound familiar to Xi’s Communist Party. Yet Trump’s stuck-in-time worldview ignores that neither America nor the Group of Seven nations calls the shots anymore. Back in 1985, G7 officials had the clout to devalue the dollar versus the yen–to have their way with markets. In today’s increasingly multi-polar system, such groupings have far less influence.
In the 80s, tariffs might’ve worked to some extent. That was long before China, India, Indonesia and other manufacturing powers came online. Today’s wage disparities mean tariffs aren’t going to pull millions of jobs back to America. It's more likely to just drive them to relocate from China to Vietnam and the Philippines.
Nothing about Trump’s assault on China makes the U.S. more innovative or productive. Nothing about the rate cuts Trump is bullying the Federal Reserve to adopt will increase corporate competitiveness or the quality of America’s labor force. Nothing about Trump’s embrace of 1980s-style of trickle-down economics will raise growth into the 3% to 4% range and fatten paychecks.
Why, then, would Trump be engaging in risky China-focused activity that courts a U.S. recession? Goldman Sachs will not be the last to warn about the R-word. In his Bloomberg interview, Summers indulged in other metaphor. “You can often play with fire and not have anything untoward happen,” he said, “but if you do it too much you eventually get burned.”
Again, Xi isn’t enjoying the trade war. But only Trump faces an election next year. And only Trump can reduce the boomerang effect of his own policies hitting the U.S. economy. Sadomasochistic and foolish, indeed.
I am a Tokyo-based journalist, former columnist for Barron’s and Bloomberg and author of “Japanization: What the World Can Learn from Japan’s Lost Decades.” My journalis...
- ©2019 Forbes Media LLC. All Rights Reserved.
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finance
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https://www.customflagcompany.com/blog/2019/08/20/leveraging-payment-apps-to-buy-flags/
| 2023-10-02T12:29:26 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510994.61/warc/CC-MAIN-20231002100910-20231002130910-00863.warc.gz
| 0.968917 | 377 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__282113356
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en
|
How do you handle splitting a check at dinner when no one has cash? Does everyone throw in their credit card? That is an option, or you have one person pay,and everyone can venmo that person their share. Through the years here at CFC we have worked with our fair share of large group orders. Such as, bachelor/bachelorette parties, family reunions, military units, sports teams and more. These are all fun and exciting, but tough when when the bill needs to be paid. So here are some awesome apps to help make that process easier!
Venmo is a free and secure payment app that allows you to transfer and/or request funds easily. This app has really immersed itself as leader the last few years and a lot of us at CFC use it regularly.
Splitwise is an app that allows you to split a purchase amongst your group and settle up at the end via Venmo. Think about going out with a group of people and one person pays for the bill at the restaurant, but you are going to get drinks after and another person pays for those. Splitwise will calculate the appropriate amount each member of the group owes. This app works great for trips with friends as it tracks all expenses and charges each person accordingly.
Kickstarter/GoFundMe are great when you have an idea and know it will go viral, but the initial expense is too much for you to pony up right away. You simply put your idea (flag) on one of these sites and wait until the campaign is funded. Then you can easily place the order and fulfill the product everyone was paid for when production is complete.
It certainly is amazing how far finance technology has come along, and how much less stress there is to get payment from friends or larger groups.
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finance
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https://www.integratedparaplanning.co.uk/2020/05/21/be-scam-smart-a-cautionary-crypto-tale/
| 2022-01-19T08:07:44 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-05/segments/1642320301264.36/warc/CC-MAIN-20220119064554-20220119094554-00123.warc.gz
| 0.942798 | 262 |
CC-MAIN-2022-05
|
webtext-fineweb__CC-MAIN-2022-05__0__212522289
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en
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Last weekend whilst scrolling through the BBC news app, I stumbled across an intriguing podcast named “The missing Crypto Queen”. As a follower of the fintech and cryptocurrency scene, I have a reasonable understanding of Bitcoin, some of its smaller counterparts, and the basics of blockchain technology. Onecoin was completely new to me and so I thought I would subscribe to the podcast.
The 8 episode series runs through the story of one of the largest pyramid scams the world has seen, which took an estimated £100mfrom UK based investors over a 3-year time frame (The Times).
With the ongoing coronavirus situation and the prevalence of financial scams that are bound to follow this podcast provides both a timely and cautionary tale to the risks of purchasing unregulated financial products and the perils of financial speculation. Such ponzi schemes can appear to be legitimate investments to the unwary and the vulnerable.
As part of the financial service industry we know all too well the importance of conducting comprehensive due diligence. Feel free to share this with your clients as it may help to educate those not cognizant of such dangers.
More information on the podcast can be found on BBC sounds (https://www.bbc.co.uk/programmes/p07nkd84)
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finance
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http://www.playpokercalifornia.com/why-paypal-is-fantastic-for-regulated-ipoker/
| 2023-05-28T18:34:37 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224644506.21/warc/CC-MAIN-20230528182446-20230528212446-00292.warc.gz
| 0.952558 | 604 |
CC-MAIN-2023-23
|
webtext-fineweb__CC-MAIN-2023-23__0__251227197
|
en
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Major news broke on Thursday when it WSOP NV announced they are now accepting PayPal for online poker deposits. PayPal agreeing to soften their stance on gambling deposits is huge for the regulated iGaming industry and has given iPoker players a trusted third-party payment processor to fund their accounts.
We often use the phrase “good for poker” when referring to positive developments. WSOP NV now accepting PayPal is fantastic for poker and today we look at a few reasons why PayPal will be fantastic for the regulated iGaming industry.
Trusted E-Wallet With Massive Following
PayPal is easily the most trusted e-Wallet in the United States and one of the most popular in the world. Many of us either have PayPal accounts or have made a payment to someone using PayPal’s payment system.
A large number of e-merchants in the United States have added PayPal to their checkout options due to the popularity of the e-Wallet so it makes sense that WSOP.com explored this option.
PayPal now offers players a third-party deposit option that has a proven track record and has been devoid of connections with online poker scandals in the past.
Opens the Door for Other Operators to Offer PayPal
Now that WSOP.com NV is offering PayPal as a deposit option, it is a matter of time before this expands to other operators. By PayPal allowing WSOP NV to accept deposits for online poker, they have set a precedent that other sites can take advantage of.
In the upcoming months, expect most operators to add PayPal to their list of deposit options and don’t be surprised to see them offer an incentive for players to make a deposit via PayPal.
We feel confident in predicting that by the time Pennsylvania or California goes online; all licensed operators will be offering PayPal as a primary option for funding accounts.
Peer to Peer Transfers Returns to Online Poker
One of the major benefits that players enjoyed with unregulated online poker was the ability to transfer funds via a peer-to-peer transfer. Now that PayPal is a deposit option in regulated online poker, peer-to-peer transfers have also returned.
Some may argue that players could have used NETELLER to make personal transfers, but we know that the popularity of the medium was limited. PayPal is a popular option that was used as an offsite option for moving around funds pre-Black Friday.
Of course, if you sent money to someone via PayPal, they would have to cash out from their account and then transfer funds back onto the site using a bank account or other third-party payment processor.
Now with PayPal, if someone sends you $100, you can take that money and immediately deposit it online. While PayPal transfers may not be as ideal as intraclient transfers, it does give players a third party option to make transfers that’s safe and secure.
California online poker, PayPal, regulated iPoker, WSOP NV, WSOP.com
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finance
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https://www.geosite.io/post/geosite-expands-foothold-in-the-insurance-industry-with-new-global-head-of-insurance-lisa-wardlaw
| 2022-05-29T04:27:13 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-21/segments/1652663039492.94/warc/CC-MAIN-20220529041832-20220529071832-00578.warc.gz
| 0.935264 | 528 |
CC-MAIN-2022-21
|
webtext-fineweb__CC-MAIN-2022-21__0__250885799
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en
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Geosite, the company that builds business intelligence software leveraging cutting-edge spatial data and AI, today announced that Lisa Wardlaw has joined the team as the Global Head of Insurance. Wardlaw will lead the company’s expansion into the insurance industry as Geosite brings the power of innovative technologies to improve loss ratios and provide greater customer satisfaction across claims and underwriting departments.
Wardlaw has had a long and impactful career in the insurance space driving a digital transformation of the industry through the adoption of new technologies. Most recently, Wardlaw led Global Insurance Solutions for space constellation company, ICEYE, where she pioneered the application of satellite technology to the catastrophe market. Previously, Wardlaw drove transformation in the insurance industry at Farmers Life Insurance as Strategic Chief Financial Officer and was Global Chief Digital Strategy & Transformation Officer for Global Reinsurance at Munich Re.
“I am excited to be joining a young and dynamic team that is set on disrupting the insurance industry,” says Wardlaw. “There is huge potential for authentic and industry-changing innovation in insurance, and the geospatial market remains untapped. I am honored to help Geosite leverage data to reimagine the entire customer experience starting in the claims and underwriting processes as we establish new industry expectations of curated experience for both customers and providers.”
“Lisa’s vision of a more modern, technology-driven insurance industry aligns seamlessly with Geosite’s mission of using spatial data to not only improve business operations but ultimately help people during some of their darkest moments,” says Geosite CEO and Founder Rachel Olney. “Her energy and passion for driving towards new solutions is infectious, and we’re incredibly excited to have her leading this charge.”
Geosite fuses and streamlines geospatial imagery from drones, satellites, and remote sensors, as well as AI analytics and IoT devices into an intuitive software platform to provide actionable insights for underwriting new business segments, rapid disaster claims processing, fraud detection, and data-driven pricing.
Geosite is currently partnered with MS&AD, one of the world’s largest insurers, to accelerate claims settlements following large-scale natural catastrophes such as typhoons and torrential rains. Geosite’s software integrates aerial and satellite imagery to speed claims payouts so MS&AD’s customers can get back on their feet faster, all while reducing costs. Wardlaw will build on the company’s early successes to bring on additional partners and continue expanding Geosite’s footprint in the insurance industry.
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finance
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http://journalinggina.blogspot.com/2009/11/day-24-of-26-days-of-thanks.html
| 2018-07-20T16:43:32 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676591718.31/warc/CC-MAIN-20180720154756-20180720174756-00229.warc.gz
| 0.980397 | 402 |
CC-MAIN-2018-30
|
webtext-fineweb__CC-MAIN-2018-30__0__267335420
|
en
|
Today I want to testify of the overwhelming generous provisions that God has made for us over the last 6 months. When Bruce resigned as senior pastor, without having a firm lead on a new job at the time, I admit, I was anxious to see how God was going to work all this out....and boy has He....the glory and thanks go to HIM, it's nothing we have done, just the sweetness of a loving Father God taking care of His kids.
Here's a list of things:
1. Through the generousity of a very kind person, we were able to eliminate almost all our credit card and medical debt. This was such an incredible gift. I can't go into all the details, but suffice it to say, that the amount we were gifted was so close to the amount we owed it can only be attributed to God.
2. God provided a steady job for Bruce within days of his unemployment.
3. God provided an UNEXPECTED new ministry job for us within 2 months....we thought it would be much longer....but He had different plans.
4. He provided free housing (albeit an RV) while we waited for our home to sell in Gunter
5. He provided a new home for us to buy while we still owned our home in Gunter
6. He has provided renters for our home in Gunter who are willing to live there, take care of the place and it still be on the market to sell.
7. He provided us with a generous church family who recently pounded us with an enormous kitchen pounding....in fact we are still receiving things....3 bags came in yesterday!
8. He provided us with fresh meat.
9. He provided someone to repair our car for only the cost of parts
He is good! I don't want to take these blessings for granted. I want to have a heart of thanksgiving every day.
Thanks be to God for his unspeakable gifts!
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finance
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https://www.sheto.gov.hk/mobile/en/about_hk/doing.html
| 2019-11-20T16:56:19 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-47/segments/1573496670597.74/warc/CC-MAIN-20191120162215-20191120190215-00097.warc.gz
| 0.928328 | 661 |
CC-MAIN-2019-47
|
webtext-fineweb__CC-MAIN-2019-47__0__53727231
|
en
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Hong Kong is one of the world's freest economies. World-class talents, first-rate infrastructure, robust legal system, low and simple tax regime - these are just a few of the many advantages that this unique city offers. For Mainland companies going global, and overseas enterprises entering the Mainland market, Hong Kong is your perfect gateway.
Hong Kong's appeals:
Hong Kong welcomes investors and enterprises from all over the world to come here to do business. Get an overview of Hong Kong's tax system, employment, Mandatory Provident Fund scheme, market information and statistics as well as entry arrangement for investment in Hong Kong, etc at
http://www.gov.hk/en/nonresidents/investinghk/ to assist your business planning.
It is fast, easy and affordable to set up a business in Hong Kong. Here is the general procedure:
As one of the teams set up in the Mainland by Invest Hong Kong of the Government of the Hong Kong Special Administrative Region, the main missions of the East China Investment Promotion Unit (IPU) are to promote the business advantages of Hong Kong to the one municipality and 4 provinces (Shanghai, and the provinces of Zhejiang, Jiangsu, Anhui and Shandong) regions covered by the Shanghai Economic and Trade Office, encourage Mainland companies in those regions to open or expand their overseas businesses in or through Hong Kong and assist investors to set up offices in Hong Kong. For Mainland companies interested in setting up offices in Hong Kong, the IPU offers a series of free advice and support services, including:
Should you have specific questions about investing in Hong Kong, please contact:
East China Investment Promotion Unit
Tel: (8621) 6351 2233
Fax: (8621) 6351 9268
Address: Room 2101, 21/F, The Headquarters Building, 168 Xizang Road (M), Huangpu District, Shanghai, China (Postal Code: 200001)
Established in July 2000, Invest Hong Kong is a department under the Government of the Hong Kong Special Administrative Region and is responsible for promoting direct foreign investment in Hong Kong and supporting overseas and Mainland companies to set up or expand their businesses in Hong Kong. Invest Hong Kong provides free and customised services and practical support to help companies utilise the business advantages of Hong Kong and succeed in the vibrant economy. As of December 2013, Invest Hong Kong has completed over 3,090 investment projects, creating over 34,900 new jobs in the first year of operation or expansion. The total investment amounts to HK$82 billion. For more information, please visit http://www.investhk.gov.hk.
The objective of the Capital Investment Entrant Scheme is to facilitate the entry for residence by capital investment entrants (the entrant), i.e. persons who bring capital to Hong Kong but would not be engaged in the running of any business here. The entrant is allowed to make his choice of investments amongst permissible assets without the need to establish or join in a business.
The Scheme is applicable to:
For detailed information, please refer to the following link of the Immigration Department of Hong Kong:
Capital Investment Entrant Scheme
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finance
|
https://www.mcandrewmartin.com/general-practice-3/
| 2021-05-06T11:54:52 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-21/segments/1620243988753.97/warc/CC-MAIN-20210506114045-20210506144045-00146.warc.gz
| 0.931814 | 125 |
CC-MAIN-2021-21
|
webtext-fineweb__CC-MAIN-2021-21__0__194532023
|
en
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McAndrew Martin’s chartered surveyors helped save a house buyer £1,500 on a property after identifying an issue with drains.
The purchaser approached us for a RICS Homebuyer report after deciding not to rely on the mortgage lender’s valuation survey alone.
Our RICS qualified professional recommended that a CCTV inspection of the drains should be carried out.
This identified about £1500 worth of work which our client successfully asked the vendor to rectify prior to purchase.
This is just one example where an independent survey report is one of the best investments you can make in a property transaction.
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finance
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http://www.incometaxreturn.co.za/
| 2014-03-10T00:26:09 |
s3://commoncrawl/crawl-data/CC-MAIN-2014-10/segments/1394010502819/warc/CC-MAIN-20140305090822-00022-ip-10-183-142-35.ec2.internal.warc.gz
| 0.941617 | 1,761 |
CC-MAIN-2014-10
|
webtext-fineweb__CC-MAIN-2014-10__0__4655255
|
en
|
Not sure how to submit your Income Tax Return correctly with SARS ? Confused with SARS Efiling or having problems with E-filing? Looking to submit your Tax Return the most professional way and enjoy the maximum tax benefits from SARS ?
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No more worries about SARS e-filing difficulties, corresponding with SARS, calculating your correct tax return, confusing paperwork or dealing with SARS or your Accountant ! Incometaxreturn.co.za takes the worry out of your Income Tax Return and make sure everything gets submitted fast and professionally!
Tired of your current Tax Accountant? Is your current Tax Accountant too expensive? Incometaxreturn.co.za will contact your current Accountant and request for your Income Tax Return to be carried over to us. You do not need to deal with your current Accountant or worry about this - your newly appointed Tax Practitioner will arrange directly with your current Accountant for the transfer of your Income Tax matters to us. Just submit your Tax Return with us today, and we will arrange everything automatically.
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Our Registered Tax Practitioners have succesfully completed THOUSANDS of Income Tax Returns with SARS over the last 15 years, and we are trusted by thousands of South Africans from all walks of life. We are ready to take care of YOUR Income Tax Return with our Amazing and Professional online tax service! You will never look back and never worry about this again.
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- You do not need any special skills or tax knowledge to use our service - this is South Africa's easiest online Income Tax Return solution!
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- You receive your own dedicated Tax Practitioner and are in safe hands!
- There is no need for any appointments or to bring any documents to us - everything is done fast, easy and professionally over the Internet - this is the way Income Tax Returns should be!
- No matter where you live in South Africa - from PE to Pretoria to Pofadder - we can help and take care of YOUR income tax return!
- Our Tax Professionals are clever and accurate - this is all we do for a living (and we love what we do!) - and we will ensure that you get the maximum benefits / deductions from SARS possible within the South African Income Tax Law.
- We save you alot of time, hassle and frustration!
- No nasty surprises - we work on a fixed fee structure meaning that you pay us a fixed fee for our tax services and not a % of your tax refund from SARS. No matter how much money you receive back from SARS - you pay us the same fee and you keep your full refund!
- Our previous Customers use us again and again every year, and are very happy with our fast and professional service!
- If you receive a refund from SARS (get money back from SARS with your income tax return), your refund gets paid (in full) directly into your personal bank account by SARS, and not to us.
- If you choose to use us again next year (and we know you will - as nearly 100% of our Customers return year after year) we ensure continuity with your SARS Income Tax Profile - year after year. This means that your Income Tax Returns start correct and continue correctly year after year with SARS.
- You, our important Customer, is our greatest asset and the reason why we exist. Your income tax return will be treated in the most professional way possible.
The benefits to YOU
Be in safe hands:
- Tax time becomes Relax time!
- Your Income Tax Return is finalised within 48 hours (2 working days) and is taken care of by a Professional and Registered Tax Practitioner!
- The easiest online Income Tax Return service in South Africa!
- You can live anywhere in South Africa to use our professional service, and everything happens instantly over the Internet - this is the way Income Tax Returns should be!
- You do not require any professional skills or knowledge about tax or the SARS system - we take care of everything for you, and ensure that you will enjoy the maximum benefit from SARS within the tax law!
- A dedicated (and very clever) Tax Practitioner gets allocated specifically to you - to take care of YOUR income tax return. Your allocated Tax Practitioner will have over 15 years of professional tax experience.
- You know exactly how much you pay us and pay us in advance to complete your Tax Return. If you receive a refund from SARS, you receive this refund (in full) directly into your personal bank account!
- If you choose to use us again next year (and we know you will - as nearly 100% of our Customers return year after year) we ensure continuity with your SARS Income Tax Profile - year after year. This means that your Income Tax Returns start correct and continue correctly with SARS year after year.
Let us take care of YOUR Income Tax Return, and make life easier for YOU !“I have been using the Tax Practitioners at Incometaxreturn.co.za for the past 10 years and always had reliable and professional advise. All tax issues have been dealt with on time and in the most profesional way possible. I have been very pleased with their services and will continue to use them in the future.” June 25, 2011
“We (Laurence and Debbie) have entrusted our tax affairs to the Tax Practitioners at Incometaxreturn.co.za for the past 10 years. They have always been very pleasant to deal with and are highly professional and knowledgeable in the services and advice they had offered us. We have never been dissatisfied with their advice and never had any tax related concerns based on their advice and recommendations. We will continue to make use of the Tax Practitioners atIncometaxreturn.co.za and will continue to recommend them to friends and colleagues in the future.”
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Contact Income Tax Return
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finance
|
https://www.aquila-plumbing.com/how-a-new-boiler-can-save-you-money/
| 2023-05-29T03:01:09 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224644574.15/warc/CC-MAIN-20230529010218-20230529040218-00241.warc.gz
| 0.974718 | 360 |
CC-MAIN-2023-23
|
webtext-fineweb__CC-MAIN-2023-23__0__107672685
|
en
|
How a New Boiler Can Save You Money
There is no doubt that at some point you will have heard that a new boiler could save you money. But what you want to know is whether this is true and how that could happen? This is where this blog post will help you to understand this a little more. With that in mind, here is how a new boiler can save you money.
There are more technological advances
Of course, we all know that technology advances at a rapid pace, as year on year there is something new to do with technology, but what we don’t realise is that this applies to everything within our lives. Boilers have advanced dramatically over the years so the chances are a new boiler in your home will be far more technologically advanced than its predecessor. This means that when it comes to how it works, there is more to it to help it utilise its functions more effectively, and therefore could save you money in the long run.
They are more eco-friendly
With new technology comes the focus for boilers to be more efficient with the amount of energy used and consumption in our homes. So, the chances are a new boiler will not only be more technologically advanced but also more eco-friendly. It means that the energy used is consumed more efficiently, meaning you are less likely to need as much as you might have done previously. It will enhance your heating system and allow you to insulate your home effectively, speed up the process of heating water, or simply enable you to not have the boiler in use as often. All offering a saving for you as the homeowner.
Of course, a new boiler is an investment, but you may find that in the long term that investment is worth it because of the savings you could make.
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finance
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https://www.superiortaxservicesla.com/
| 2024-03-01T16:29:18 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947475422.71/warc/CC-MAIN-20240301161412-20240301191412-00702.warc.gz
| 0.93143 | 266 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__13424286
|
en
|
Superior Tax Services is a family-owed tax firm established in Los Angeles in 2003. We have been assisting taxpayers throughout the U.S. file personal, small business and corporate tax returns.
INCOME TAX PREPARATION
Individual and business tax preparation, all state returns and prior year returns.
We offer a variety of Notary Public services including acknowledgements and jurats.
BUSINESS FORMATION SERVICES
We assist our clients in selecting the business entity best suited to them and their business objectives.
SALES TAX PREPARATION
We assist businesses with state and local sales and use tax return filing and compliance.
We offer small business payroll processing and tax filing services.
We assist clients in all states as well as military servicemembers overseas. Remote appointments via Zoom are also available.
Superior Tax Services has been assisting taxpayers in navigating the complexity of tax filing for over fifteen years. Our purpose is to provide clients with an enjoyable and quality, yet affordable experience. We specialize in filing tax returns for individuals, small businesses and corporations. We strive to demonstrate our appreciation by providing a comfortable, personable and professional experience, an aspect that makes Superior Tax Services so unique.
Superior Tax Services would like to wish you and your family many blessings for the new year.
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finance
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http://blog.fednews.com/blog/2012/10/22/president-obama-on-deficits-and-deficit-reduction-2010/
| 2014-12-20T05:05:51 |
s3://commoncrawl/crawl-data/CC-MAIN-2014-52/segments/1418802769392.53/warc/CC-MAIN-20141217075249-00000-ip-10-231-17-201.ec2.internal.warc.gz
| 0.967129 | 2,445 |
CC-MAIN-2014-52
|
webtext-fineweb__CC-MAIN-2014-52__0__56537095
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en
|
Here are some direct quotes from President Obama on deficits and deficit reduction in 2010. Click the links for full transcripts!
Our approach would preserve the right of Americans who have insurance to keep their doctor and their plan.
It would reduce costs and premiums for millions of families and businesses. And according to the Congressional Budget Office — the independent organization that both parties have cited as the official scorekeeper for Congress — our approach would bring down the deficit by as much as $1 trillion over the next two decades. (Applause.)
Now, even as health-care reform would reduce our deficit, it’s not enough to dig us out of a massive fiscal hole in which we find ourselves. It’s a challenge that makes all others that much harder to solve, and one that’s been subject to a lot of political posturing. So let me start the discussion of government spending by setting the record straight.
At the beginning of the last decade, the year 2000, America had a budget surplus of over $200 billion. By — (applause) — by the time I took office, we had a one-year deficit of over $1 trillion and projected deficits of $8 trillion over the next decade.
Most of this was the result of not paying for two wars; two tax cuts; and an expensive prescription-drug program. On top of that, the effects of the recession put a $3 trillion hole in our budget. All this was before I walked in the door. (Applause, other audience reactions.) Now — just stating the facts.
Now, if we had taken office in ordinary times, I would have liked nothing more than to start bringing down the deficit. But we took office amid a crisis, and our efforts to prevent a second Depression have added another $1 trillion to our national debt. That too is a fact.
I’m absolutely convinced that was the right thing to do.
But families across the country are tightening their belts and making tough decisions. The federal government should do the same. (Cheers, applause.)
So tonight I’m proposing specific steps to pay for the $1 trillion that it took to rescue the economy last year. Starting in 2011, we are prepared to freeze government spending for three years. (Scattered applause.) Spending related to our national security, Medicare, Medicaid and Social Security will not be affected, but all other discretionary government programs will. Like any cash-strapped family, we will work within a budget to invest in what we need and sacrifice what we don’t. And if I have to enforce this discipline by veto, I will. (Applause.)
We will continue to go through the budget line by line, page by page, to eliminate programs that we can’t afford and don’t work.
We’ve already identified $20 billion in savings for next year. To help working families, we’ll extend our middle-class tax cuts. But at a time of record deficits, we will not continue tax cuts for oil companies, for investment-fund managers and for those making over $250,000 a year. (Applause.) We just can’t afford it.
From some on the right, I expect we’ll hear a different argument: that if we just make fewer investments in our people; extend tax cuts, including those for the wealthier Americans; eliminate more regulations; maintain the status quo on health care — our deficits will go away.
The problem is, that’s what we did for eight years. (Laughter, cheers, applause.) That’s what helped us into this crisis. It’s what helped lead to these deficits. We can’t do it again.
When I came into office in January of 2009, I was very clear at the time, even before we knew the severity of the recession that we would experience, that we have a structural deficit that is unsustainable, and that for our long-term growth and prosperity, we are going to have to get a handle on that. I talked about that during my campaign; I talked about it in the days after I was elected; I talked about it after I had been sworn in.
We had an emergency situation on our hands. And so the entire world, working through the G-20, coordinated in making sure that we filled this huge drop-off in demand, we got the economy growing again. And we had to take a number of steps, some of which were unpopular and that, yes, added to the short-term deficit.
What I also said at the time was we are then going to make sure, number one, that we pay down whatever additional deficit had been added as a consequence of the recovery act and other steps that we had to take last year.
But then we’re still going to have to go back and deal with these long-term structural deficits.
And in fact in the first G-20 visit that I made in April, to England, I was very clear to the rest of the world that what they cannot rely on is an economic model in which the United States borrows, consumers in the United States borrow — we take out home equity loans; we run up credit cards — to purchase good from all around the world.
We cannot alone be the economic engine for the rest of the world’s growth. So that rebalancing ended up being a central part of our long-term strategy working with the G-20.
Now, what we’ve done is, we’ve initiated a freeze on our domestic discretionary budget. We are on the path to cutting our deficits in half. We have put forward a fiscal commission that is then going to examine, how do we deal with these broader structural deficits?
So this isn’t just an empty promise. We’ve already started taking steps to deal with it. And we’re going to be very aggressive in how we deal with it.
Understand now — I want to make sure everybody’s clear. The Congressional Budget Office, which has made — is independent — it’s historically bipartisan; this is sort of the scorekeeper in Washington about what things cost — says that as a consequence of this act, the deficit is going to be over a trillion dollars lower over the course of the next two decades than it would be if this wasn’t passed.
But I also have to make sure that we are paying our bills and that we’re not adding — putting off debt for the future generation.
And that’s what happened in the Bush tax cuts in 2001 and 2003. We lopped off taxes and we did not pay for it, and that is the single largest contributor to the debt and the deficit. It’s not anything that we did last year as — in emergency spending.
It’s not the auto bailout. It’s not the health-care bill. That’s not what’s added to our deficit.
The single biggest reason that we went from a surplus under Bill Clinton to a deficit of record levels when I walked into office had to do with these Bush tax cuts, because they weren’t paid for, and we didn’t make — cut — we didn’t cut anything to match them up.
We’ve still got to get control of our deficit in a serious way. And that’s going to require more than just platitudes; it’s going to require tough choices. And the question is going to be do we have people in place who are making those choices not based on what’s politically expedient or what special interests are lobbying for, but rather what’s good for America over the long term.
And I think that we can responsibly set a pathway where, over the course of several years, we are reducing our deficit without endangering economic growth, without endangering, you know, the core investments that are required to make sure that the American dream continues, and without completely shredding our safety net.
As I said a few weeks ago, the most important contest of our time is not the contest between Democrats and Republicans. It’s between America and our economic competitors all around the world. And winning that contest means that we’ve got to ensure our children are the best educated in the world, that our research and development is second to none and that we lead the globe in renewable energy and technological innovation.
It also means making sure that in the future we’re not dragged down by long-term debt. This is a challenge that both parties have a responsibility to address: to get federal spending under control and bring down the deficits that have been growing for most of the last decade.
Now, there’s no doubt that if we want to bring down our deficits it’s critical to keep growing our economy. More importantly, there’s still a lot of pain out there, and we can’t afford to take any steps that might derail our recovery or our efforts to put Americans back to work and to make Main Street whole again. So we can’t put the brakes on too quickly, and I’m going to be interested in hearing ideas from my Republican colleagues as well as Democrats about how we continue to grow the economy and how we put people back to work.
But we do have to correct our long-term fiscal course, and that’s why earlier this year I created a bipartisan deficit commission that is poised to report back later this week with ideas that I hope will spark a serious and long-overdue conversation in this town.
Those of us who have been charged to lead will have confront some very difficult decisions, cutting spending we don’t need in order to invest in the things that we do.
As president, I’m committed to doing my part. From the earliest days of my administration, we’ve worked to eliminate wasteful spending and streamline government. I promise to go through the budget line by line to eliminate programs that outlived their usefulness, and in each of the budgets I’ve put forward so far, we’ve proposed approximately $20 billion in savings through shrinking or ending more that 120 of such programs.
I’ve also set goals for this government that we’re on track to meet: reducing improper payments by $50 billion, saving $40 billion in contracting, and selling off $8 billion of unneeded federal land and buildings.
I’ve also proposed a three-year freeze on all non-security discretionary spending, a step that would bring that spending to its lowest level as a share of the economy in 50 years. And we’ve brought unprecedented transparency to federal spending by placing all of it online at USAspending.gov and recovery.gov, so Americans can see how their tax dollars are spent.
The hard truth is that getting this deficit under control is going to require some broad sacrifice, and that sacrifice must be shared by the employees of the federal government.
After all, small businesses and families are tightening their belts. Their government should too. And that’s why, on my first day as president, I froze all pay for my senior staff. This year I’ve proposed extending that freeze for senior political appointees throughout the government and eliminating bonuses for all political appointees. And today I’m proposing a two-year pay freeze for all civilian federal workers. This would save $2 billion over the rest of this fiscal year and $28 billion in cumulative savings over the next five years.
And there is no better antipoverty program than an economy that’s growing; there’s no better deficit-reduction program than an economy that is growing.
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finance
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http://designportfolios.philau.edu/gallery/14445653/Sustainable-Credit-Union
| 2020-08-14T19:19:05 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-34/segments/1596439739370.8/warc/CC-MAIN-20200814190500-20200814220500-00263.warc.gz
| 0.967275 | 112 |
CC-MAIN-2020-34
|
webtext-fineweb__CC-MAIN-2020-34__0__10480564
|
en
|
A credit union that provides traditional banking services to its customers including savings, checking, retirement accounts, credit, loans, investment planning, etc. The organization is very concerned with the health of the natural environment and the workplace. The investment opportunities it offers its members are all environmentally friendly. The credit union board wants a design that reflects its values. This includes an overall “green” design approach including environmentally friendly products, reducing reliance on non-sustainable energy sources, reusing, recycling etc. The building has opportunities for good day lighting and natural ventilation.
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finance
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https://www.gpstl-apprenticeships.co.uk/news/apprenticeship-funding_36.shtml
| 2022-08-16T10:51:22 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882572286.44/warc/CC-MAIN-20220816090541-20220816120541-00330.warc.gz
| 0.931121 | 584 |
CC-MAIN-2022-33
|
webtext-fineweb__CC-MAIN-2022-33__0__147327451
|
en
|
HOW YOU CAN BENEFIT FROM APPRENTICESHIP FUNDING
There are many funding initiatives available to support employers with recruiting new staff or developing the skills and knowledge of existing staff.
With apprenticeships, the funding available to your organisation depends on whether your organisation pays the apprenticeship levy or not.
Apprenticeship levy paying employers
Employers with a wage bill of more than £3 million need to pay the apprenticeship levy. The levy requires all employers to pay 0.5% of any wage bill over £3 million into the government’s apprenticeship service, to pay for apprenticeship course fees.
Apprenticeship levy transfers
Do you have unused or surplus funds? You can now pass on up to 25% of your pot to fund training in smaller companies or those in your supply chain that may not have the resources to fund it themselves.
Non-apprenticeship levy payment employers
The fee that non-apprenticeship levy paying employers pay when they take on an apprentice was halved from 10% to 5% from 1st April 2019. This means that when you now recruit an apprentice, the government covers 95% of the training costs.
Less than 50 employees
If you are an employer with fewer than 50 employees, the government will pay the full cost of training apprentices aged 16-18.
All employers (levy and non-levy) taking on a 16-18 year old apprentice, or a 19-24 year old with a Local Authority Education, Health and Care (EHC) plan are entitled to a £1,000 incentive payment.
Funding in the care sector
If you’re an adult social care employer in England, you can claim contributions from the Workforce Development Fund (WDF) towards the cost of training and developing employees. The Fund comes from the Department of Health and Social Care and is disseminated by Skills for Care.
In a move to boost the number of high quality apprenticeship opportunities, a number of local authorities have additional funding initiatives to support businesses running an apprenticeship programme.
In 2019, Greater Manchester Combined Authority (GMCA) introduced a new apprenticeship support package for SMEs, which includes grants of £3,000 per employer. The £3,000 #SeeDifferent Small-to-Medium Enterprise (SME) scheme will offer a £3,000 grant to employers to help with salary and training costs associated with an apprenticeship.
Local businesses in Cornwall can also apply for funds transferred from the Council’s Apprenticeship levy pot to cover apprenticeship training and assessment. The funds can be used to support new apprenticeship programmes or to upskill the existing workforce.
For more information on apprenticeship funding opportunities and regional grants available in other areas, please contact us on 0330 1000 610.
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finance
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https://newsvibz.com/ucc-fees-payment-registration/
| 2021-09-26T00:16:15 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780057787.63/warc/CC-MAIN-20210925232725-20210926022725-00181.warc.gz
| 0.973387 | 327 |
CC-MAIN-2021-39
|
webtext-fineweb__CC-MAIN-2021-39__0__37442431
|
en
|
Update On Fees Payment & Registration – UCC
The University of Cape Coast‘s Students’ Representative Council (SRC) has stated that over the last few days, they have been aggressively pursuing the interest of underprivileged students like they assured during their campaign.
According to them, by the grace of God and through the support of the student body, they have made giant strides which they would like to bring to the attention of all students:
- All students who have paid 500 cedis and above out of their total fees will be allowed to register for their courses for the semester.
- Students who have not made any payment at all or have paid less than 500 cedis and have submitted their details to the SRC will be allowed to register their courses.
- Students are to note that the portal will be opened in the course of the day (today) till the deadline, 28th February, and so students are entreated to keep checking for that so that they can register their courses for the semester.
- It is worthy of notice that these students who are being assisted in this regard to register are expected to pay the rest of their fees before the beginning of this semester’s examinations.
Students are to note that the deadline for registration remains 28th February, 2021. This may not be enough to solve the financial challenges of their students but the SRC believes it is a huge step to mitigating the challenges of our people.
Source: NewsVibz.com || Kindly link back when you copy or paraphrase a paragraph(s) or the entire content.
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finance
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https://europoor.com/how-to-buy-leveraged-etfs-from-europe/
| 2023-03-29T02:40:18 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296948932.75/warc/CC-MAIN-20230329023546-20230329053546-00222.warc.gz
| 0.854922 | 2,440 |
CC-MAIN-2023-14
|
webtext-fineweb__CC-MAIN-2023-14__0__289140296
|
en
|
If you are looking to invest in leveraged 📈 or inverse ETFs from Europe/U.K., you’ll soon find that popular American products are not generally available through European brokers. Below I have compiled an overview of European leveraged and inverse ETFs, as alternatives to their popular 🦅 U.S. counterparts.
Though providers such as Direxion, ProShares, and VelocityShares offer many leveraged products for indexes, sectors, and commodities, such ETFs (and ETNs) cannot be offered to Europeans due to ⚖️ PRIIPs regulations.
If no suitable European variants exist for your purposes, you can instead buy the U.S. ETFs directly through a U.S. based broker, even while residing in 🌍 Europe. Follow this link to learn more about this method.
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Overview of European leveraged and inverse ETFs
Please find below a compilation of popular U.S. leveraged and inverse ETFs along with their European alternatives.
|Equities||Leverage||U.S. ETF||European alternative|
|S&P 500||3x Long||SPXL, UPRO||WisdomTree|
|2x Long||SPUU, SSO||Xtrackers|
|1x Short||SPDN, SH||Xtrackers|
|3x Short||SPXS, SPXU||WisdomTree|
|Nasdaq 100||3x Long||TQQQ||WisdomTree|
|Emerging Markets||3x Long||EDC||WisdomTree|
|FTSE 100||3x Long||N/A||WisdomTree|
|DAX 30||3x Long||N/A||WisdomTree|
|CAC 40||2x Long||N/A||Lyxor|
|MIB 40||3x Long||N/A||WisdomTree|
|Bonds||Leverage||U.S. ETF||European alternative|
|10Y U.S. Bonds||3x Long||TYD||WisdomTree|
|10Y U.K. Bonds||3x Long||N/A||WisdomTree|
|10Y German Bunds||3x Long||N/A||WisdomTree|
|10Y Italian BTP||3x Long||N/A||WisdomTree|
Unfortunately, there aren’t nearly as many products available to Europeans as to Americans. Thus many specific variants (such as 2x inverse) may be unavailable, sector ETFs are missing altogether, expense ratios 💶 may be higher in Europe, and you may have to deal with lower volume and ETFs only being offered on specific exchanges.
Alternative options for Europeans
Personally I am a big fan of leveraged ETFs, as I got inspired by Hedgefundie’s Excellent Adventure which utilizes ETFs such as TQQQ, UPRO, and TMF.
Additionally, I occasionally buy sector specific ETFs such as DFEN, 💻 SOXL, FAS, and YINN. Since none of these are available in Europe, I developed a method of buying them directly through a U.S. based broker. This will allow you to buy any U.S. domiciled ETF, even if you live in Europe. If you are interested in this method, you can find the guide here.
To obtain leverage on otherwise unleveraged stocks and ETFs, one could also consider the use of CFDs. For more information on that, check out my CFD guide.
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Do you know of any other suitable European alternatives? Leave a comment below and share your 🧠 knowledge!
Thanks for sharing!!!! Was indeed stumped with my broker for the TQQQ/
nice list. you saved me alot of work to find this
Hello! Thank you first of all for this page, you can’t imagine how useful it is! I have a couple of questions:
1. I can’t find the Graniteshares fngu ETF on my broker (Degiro). Do you know of other ETFs for 3x or 2x long faang+ that can be bought in Europe?
2. Are you aware of European leveraged ETFs that target specific sectors? For example the equivalent of SOXL, FAS, PILL, LABU…
3. How did you find out the ETFs that you’ve mentioned in this page? When it comes to US ETFs i generally start from Google search, but your page is literally the only one on the topic…
Thanks a lot!
Hi Simone, as for DeGiro, it’s quite common for certain products to be missing from their platform. Best would be to request it be added. You can send them an email with the following details: ISIN, currency, ticker symbol, and exchange. Keep in mind that some products cannot be offered in certain countries (or are available to institutional clients only). Generally it takes a few weeks for them to add a newly requested product.
Should it not be possible to have the product added, then I can recommend using the justETF screener to search for alternatives. Here you can filter on leveraged ETFs, among other things. Another good resource is the Morningstar screener.
I did look into leveraged sector ETFs, but there don’t really seem to be any UCITS alternatives for those, unfortunately… Personally I use Tastyworks to get around these restrictions.
Indeed it took me quite some effort to compile the entire list. You’d expect such information to be more readily available, but alas. Very happy to hear it’s been valuable to you!
IE00BLRPRL42) has just been removed from Degiro. Do you have any alternative? Thanks!
Hi Fernando, are you sure it got removed? Perhaps it wasn’t available to begin with? You can request DeGiro to add missing ETFs if you shoot them an email. I’ve done it a few times myself. If they did remove it, then that would be really unfortunate. Perhaps you can try Interactive Brokers?
Sector ETPs just added, along with some “Ark” Trackers and 3x All-World:
Hi, good tip, I’ll look into updating the list!
Do some of the European leveraged ETFs also have options?
Thanks very helpful. I can buy all the US-based ETFs, but for my corporate account, I want to buy EU-based ETFs for tax purposes. Very helpful!
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finance
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https://cotswoldswed.com/blog/wedding-budgeting-tips/
| 2024-04-24T00:23:53 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818835.29/warc/CC-MAIN-20240423223805-20240424013805-00847.warc.gz
| 0.94854 | 2,007 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__151386394
|
en
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Our guide to cutting costs without sacrificing your wedding ambitions
Unless you’re the son of a sultan, or an endlessly wealthy individual, your wedding will need to have a budget. An end point where you say, that’s enough, I don’t want, or can’t spend any more on this day. For some, that’s around the 25k mark. (In fact, the cost of the average UK wedding in 2023 is £23,885.) But for others, their wedding budget is a little more eye-watering. Regardless of the ceiling amount you want to spend, it’s important to always keep an eye on the figures, and not let the emotion of the day fuel your decisions. With this in mind, and to help all couples, at any point in the wedding planning process, we thought we’d put together some expert budgeting tips. Knowledge, and advice that’ll help you to genuinely save on your Cotswolds wedding, without compromising on the occasion.
There will be many concessions you’ll need to make during the planning stages, but what’s significant to keep in mind is the vision you had at the beginning.
What did you dream about seeing, smelling, and feeling as you walked down the aisle? How did you envision the reception space would look when you arrived at the wedding breakfast? Don’t lose sight of the fantasy. You may not be able to book every supplier, or buy every decor item you desire, but with our wedding budgeting tips we’ll help ensure you’re not forced to sacrifice your dream celebration.
Plan Your Dream Cotswolds Wedding Affordably with Our Budgeting Tips
Planning your dream wedding in the Cotswolds doesn’t have to break the bank. Discover budgeting tips to make your celebration affordable and unforgettable.
Consider an Off-Peak Celebration
Really want to make some savings? You might have to bite the bullet, and marry mid-week, or out of peak wedding season. However, we entirely understand how major a decision it would be to choose either of these options, and that’s why we had to put it first on our list of wedding budgeting tips.
Marrying midweek will ruffle some feathers among your guests, and could potentially alter the whole experience for those who need to work the next day. But, you could potentially save over half on the venue hire alone. Possibly more. Which would mean you could create an even more spectacular event for your guests? Or that drop in wedding venue hire price could mean that your dream space in the Cotswolds is now in budget?
As with midweek celebrations, marrying out of season could save you a small fortune. A wedding in February, for example, would certainly cost a lot less than planning it for the peak summer wedding slot in July, or around a bank holiday period.
Marry in the Morning, or the Evening
By having your wedding celebrations wrapped up by late afternoon, or not starting them until the sun is going down, could also save you money. Venues hate to see their space unused at any point, so if they can get you in and out early, or fit you in later, around another event, they’ll happily offer you a sweet deal.
With either of these options, you may have to alter plans a little, especially for a twilight wedding. This type of event doesn’t lend itself to a traditional sit-down wedding meal. Opt instead for more of a cocktail style soirée with canapés served on trays. But with the savings you’ll be making, you’ll have the opportunity to throw a spectacular evening event.
Skip Physical Stationery
Of all the wedding budgeting tips, this one might upset Mum the most, but we feel it’s worth the heartache! Physical wedding invitations, save the date cards, special envelopes and all the paper parts that make up a traditional invitation suite are so special. And we would never suggest forgetting about having wedding stationery if you can comfortably include it in your budget.
However, using a wedding website, or some kind of email invitation service will save you a lot of money. Many of the wedding website options out there are actually free, and come with lots of other planning tools included that should help you not only keep your budget on track, but the timeline too.
It may not feel as real, or as permanent, as a wedding invitation you can hold in your hands. But online invitations and wedding websites are ideal when you want to update all of your guests with any breaking wedding news. While also allowing you to be more interactive with your presentation, by offering the option to add videos, engagement photos and plenty of useful links and info about your big day.
Rent Your Wedding Dress or Shop the Sample Sales
One of the biggest trends in fashion right now is renting. Up and down the country, and of course online, boutiques are opening up to offer designer clothes for rental. A real game changer for the industry as a whole, and a godsend for those cash strapped social butterflies who can’t bare to be seen in the same outfit twice. But not only is it a cheaper option than buying outright, but it’s also (a bit) better for the environment.
Bridal fashion has also seen a surge in rental offerings, and as a concept, it was given a slight popularity boost when Carrie Symonds rented her wedding dress to marry Boris Johnson in a couple of years ago.
Now, if you’re a purist, and you want the dress you marry in to be a garment passed down for generations to come – maybe scroll to the next of our wedding budgeting tips.
For those not so sentimental, consider the fact that a rental wedding dress can be hired for as little as 10-20% of its retail price. Meaning a £2,000 bridal gown could be yours for the day, for roughly £200. That’s just an average priced bridal, you could choose a designer style that would typically be way out of your price range, and still only pay £500-£600.
If you are dead set on owning your wedding dress, then be sure to follow all of your local bridal boutiques on social media, and watch out for sample sales. It’s also worth getting in touch with shops too, just to see if they have a sale rail you can browse. You’d be amazed at the discount wedding dress shops put on sample dresses when they become unavailable to re-order.
The dress will have been tried on a few times in-store, but the shop will have typically washed and thoroughly checked the garment before putting it up for sale.
Every wedding dress needs to be altered before it can be worn on the day. Which means it shouldn’t be an issue if you’re not quite the same size as the sample. An experienced seamstress can usually work miracles with just a little bit of fabric!
Always Opt for In-season Blooms
Flowers, food and anything natural will always be more budget friendly and better for the environment when bought in-season. Flowers are the most obvious example, as their cost can skyrocket if not considered carefully.
We mentioned in our introduction that you shouldn’t lose sight of your wedding vision when trying to save money. And wedding flowers are often an area that couples struggle to keep under budget, typically because they cost much more than expected. And because they become fixated on one or two particular blooms. Certain flowers they just have to have featured on their wedding day. But when it comes to flowers, there’s always another option.
If you want to save on wedding flowers, speak to an experienced florist, tell them your vision and let them guide your florals. If your dream flower/s are out of season, or cost too much, they will be able to suggest a different, more suitable stem that’ll match the look you’ve been dreaming of.
Create a Misc Wedding Budget Vault
For us, this is one of the most important wedding budgeting tips, and yet it’s not often talked about. A piece of advice that won’t necessarily save you money in the short term, but will certainly help out further down the line.
When formulating a wedding plan and budget, couples typically list all the major, big ticket items. Venue, outfits, catering etc. But they fail, understandably, to include absolutely everything. Small, little purchases and services that, unfortunately, all add up in the end. Things like stag and hen parties, hotels, transport for guests, overtime costs for suppliers and venue, and then just stuff…! Little things like petrol, tips, and meals for people working for you.
There are so many small payments you’ll need to make on, and leading up to the big day, that either you just won’t be able to prepare for, or wouldn’t have had the headspace to plan. So, save yourself the credit card charges, or the embarrassment of asking parents for (more) money, and create a contingency fund. Between 5%-15% of your overall budget is a good amount to keep spare for emergencies.
Don’t allocate anything to this contingency wedding budget during the early to mid-stages of your planning. Keep it back, ready for any emergencies. This may not be the most exciting of our wedding budgeting tips, but you’ll thank us when it saves you from disaster, or debt!
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finance
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http://www.agrana.com.mx/?sorting=pubdate%3Adesc&tx_thgenericlist%5B2037%5D%5Boffset%5D=58&cHash=4da15791133a82be74feaf31f62fedb6
| 2018-02-23T23:51:17 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891814872.58/warc/CC-MAIN-20180223233832-20180224013832-00434.warc.gz
| 0.652918 | 146 |
CC-MAIN-2018-09
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webtext-fineweb__CC-MAIN-2018-09__0__268532423
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en
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Noticias en México y en el mundo
15 de octubre de 2009
AGRANA - Results of first six months confirm stable business trend
The international sugar, starch and fruit company, AGRANA, showed a stable and satisfactory business performance in the first half of the 2009|10 financial year.
15 de julio de 2009
AGRANA: Significant earnings improvement in the first quarter of 2009|10
In the first quarter of 2009|10, AGRANA, the sugar, starch and fruit group, achieved revenue growth of € 11.1 million or 2.2% to € 506.2 million (prior year: € 495.1 million)
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finance
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https://www.leasebreak.com/blog/2013/10/03/what-paperwork-needed-to-rent-an-apartment-in-nyc
| 2023-12-05T09:10:23 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100550.40/warc/CC-MAIN-20231205073336-20231205103336-00444.warc.gz
| 0.960097 | 349 |
CC-MAIN-2023-50
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webtext-fineweb__CC-MAIN-2023-50__0__314504287
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en
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What Paperwork Is Needed to Rent an Apartment in NYC?
As if finding a rental apartment in Manhattan is not challenging enough, it sometimes sends people over the edge with frustration when they learn what paperwork is required by most landlords. The reason why landlords require so much paperwork is really for two main reasons. First off, they rarely get to meet the prospective tenant in person so they need more paperwork in order to fully qualify someone. Second, the laws in New York City tend to favor tenants, and judges have a history of siding with the tenants against landlords. Evicting a tenant can be a nightmare in Manhattan for landlords and very costly. Most landlords who have gone through the process will tell you it can take at least 4 to 6 months to evict someone. Therefore, landlords want to make extra sure that they have a qualified tenant who will hopefully pay their rent and pay it on time. While different landlords require different paperwork in order to rent an apartment, if you have the below paperwork with you, you should be able to apply for more than 85% of apartments in New York City. Also, bear in mind that the standard rule of thumb is that you earn 40X the monthly rent, and if you have a guarantor, they would usually need to earn 80X the monthly rent. Some of the tougher landlords require 50X the rent for tenants and 100X the monthly rent for guarantors. Documentation often requested by landlords to rent an apartment in New York City:
- Copy of photo ID
- Copy of first two pages of last year’s tax return
- Copy of two most recent pay stubs
- Landlord Reference Letter
- Letter of Employment
- Copy of most recent bank statement
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finance
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https://www.leftinthedark.org.uk/
| 2024-04-21T23:12:31 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818067.32/warc/CC-MAIN-20240421225303-20240422015303-00273.warc.gz
| 0.983894 | 660 |
CC-MAIN-2024-18
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en
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It is often thought that loans for bad credit are just for those people that do not have a very good credit record and they are often ignored by other borrowers. But the lenders do not check and only let people with a poor credit record use them, they will let anyone use them. You may still feel that they are not for you though, particularly if you have never had any money worries. However, there are a few good reasons why everyone should know a bit more about them.
You Never Know When you Might Need Them
We can never predict when we might need a loan like this. Even if we are completely confident that we will always be in control of our money and that we will be able to pay for everything we need so our credit record stays good, we cannot be completely sure – especially when we need money right now. There could be situations where we find that we are unable to manage or that we have problems with employment or even illness and find that we do get into money troubles. Then, if we need to borrow money, this sort of loan could be useful for us. It is therefore worth being aware of the loans and thinking about what they can be used for, so that we are able to know what is available if we find ourselves in the situation where we need to use it.
They Have Other Useful Features
It is also worth being aware of the fact that there are features of these loans which are not the same as others and this could mean that they will be more suitable for your needs, even if you have a good enough credit record to be able to borrow using other means. For example, it is sometimes possible to organise a payday loan within a few hours. This means that if you need money really quickly, then it is possible to get it this way. Some of these lenders are also available to lend money outside of normal business hours, such as overnight or during weekends and this can be very handy as well, as it means that they will be able to provide money when perhaps it is not available form other sources.
The loans are also available in small quantities. Most of the time we will be offered more money than this and this is not always a good thing. This is because if we borrow more, we will need to pay back more and that can be tricky. We also get charged depending on how much we borrow so borrowing less can be advantageous. You will need to check this though as loan rates vary a lot and so you will need to be sure of the costs before you take out any loan. Borrowing a small amount can also be easier for those people that do not like borrowing money or being in debt as they will not be in debt for very long.
So, it is wise not to dismiss any loan type, until you have established what you need and what loans best fit your requirements. This is the only way to guarantee that you will get good value for money from the loan that you are choosing. You need to think about all of the features that you need form the loan and see which loan type will suit you the best with regards to the features that they have. Then you need to compare the different lenders so that you can find the one that will provide you with the best value for money.
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finance
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https://mobile-economist.soft112.com/
| 2017-10-22T02:48:08 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-43/segments/1508187825057.91/warc/CC-MAIN-20171022022540-20171022042540-00414.warc.gz
| 0.899903 | 410 |
CC-MAIN-2017-43
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webtext-fineweb__CC-MAIN-2017-43__0__227360134
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en
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"Mobile Economist" is designed to manage personal finances on Pocket PC (a handheld device, etc.). Unlike most similar programs, "Mobile Economist" is built for your fingers, which greatly simplifies workflow. "Mobile Economist" has a minimum of necessary functions that are accessible through an intuitive, colorful interface.
The program has a number of reports of various types. You can view a report on any expence monthly (for all or any group of categories), you can compare incomes or expenses month by month, or see your financial status at the current time.
To use this program you will need a PDA or a handheld device with Windows Mobile 5 or later as operating system.
Full list of features:
Accounting for incomes
Accounting for expenses
History and editing of income
History and editing of expense
Editing categories of operations
Accounting for deposits and debts
Transfer of funds between accounts
Changing the balance of the account
Report on expenses for the month
Report on incomes for the month
Comparative report on expenses
Comparative report on incomes
Full report on the account
Summary for all accounts
Backup and restore
Password data protection
Mobile Economist is a free trial software application from the Personal Finance subcategory, part of the Home & Hobby category.
The app is currently available in English, Bulgarian, Byelorussian, Czech, Dutch, French, German, Italian, Moldavian, Portuguese, Romanian, Russian, Spanish, Ukrainian, Yiddish and it was last updated on 2010-03-18. The program can be installed on WinMobile, Handheld/Mobile Other.
Mobile Economist (version 1.5.1) has a file size of 2.10 MB and is available for download from our website.
Just click the green Download button above to start. Until now the program was downloaded 64 times.
We already checked that the download link to be safe, however for your own protection we recommend that you scan the downloaded software with your antivirus.
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finance
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http://healthbeat.areavoices.com/2010/06/21/
| 2015-08-03T23:16:57 |
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| 0.954648 | 1,117 |
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en
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If you can’t get by on the fees you collect for providing a service, start tacking on extra charges: $25 for the paperwork, $10 for the administrative overhead, $5 for copies of documents, another $25 for retrieval of said documents, etc. etc. etc.
Businesses and government do it all the time. Now the concept is being adopted by doctors as well. The practice doesn’t appear to be widespread, but according to a recent article in USA Today, it’s starting to look more and more attractive to physicians who can’t make ends meet on insurance reimbursement alone. From the article:
The extra payments include no-show fees of $30-$50 for missed appointments, widely varying charges for filling out health forms for school, work and athletic teams, and annual administrative fees of $30-$120 or more to simply be a patient in some practices, medical associations and doctors say.
"It’s not unlike the airlines," said William Jessee, president of the Medical Group Management Association, which generally advises against extra fees that may anger patients or run afoul of insurance contracts. "They’ve gone from all-inclusive to a la carte. That’s what you’re seeing with physicians."
Doctors who charge extra fees are in the minority, he said. Some have done it for years, but more are joining them because they say they need the fees to offset the rising costs of practicing medicine.
Is it fair or reasonable to charge extra? Or are services such as filling out forms and refilling prescriptions just part of the doctor’s cost of doing business?
An Atlanta mom has to fork over $10 every time the family pediatrician fills out a form, and she doesn’t like it. "It’s part of their job," she told USA Today.
Judging from the 800-some comments posted by readers in reaction to the story, there’s a lot of resentment over the concept. "Any doctor that tacks on fees will not be getting my business," one person wrote. "They are just greedy theives (sic). And on top of it they are whining greedy theives (sic)," fumed someone else.
Grousing aside, it’s valid for people to ask where the line should be drawn between the normal cost of doing business vs. uncompensated burden. A teacher who commented at USA Today wondered, "Should I be compensated extra for my student-teacher conferences? Or for having to fill out forms regarding a child’s poor behavior? What about the extra hassle of speaking on the phone with a parent who is worried about their child? Isn’t this all ‘administrative’ stuff?? Yes, but it comes with the territory."
From the physician’s point of view, though, it’s becoming increasingly difficult to stay solvent while managing the flood of unreimbursed paperwork. Dr. Toni Brayer lamented the situation in a guest post at Kevin, MD:
As a physician who has practiced for over 20 years, I can tell you that the demands of filling out forms for everything from work questions and school physicals to handicapped stickers and travel vouchers, dealing with insurance companies, reviewing tests ordered by other doctors, overseeing and coordinating patient care, talking with pharmacists, filling prescriptions and then redoing the work when a patient switches pharmacies, e-mailing and countless other tasks that are "free" make it near impossible to remain in private practice.
If health care was like other industries, it could simply raise its prices to cover the increased cost of doing business, or drop services that don’t pay for themselves. But health care doesn’t function like other businesses. For one thing, there’s limited room for negotiating reimbursement rates with third-party payers. In the case of Medicare, there’s no negotiation; providers either have to accept what Medicare is willing to pay them or opt out of Medicare altogether. For another, insurance contracts usually place restrictions on charging extra for services already deemed to be covered. In view of the fact that physicians only make money by seeing patients and/or doing procedures, administrative fees are one of the few viable options left for bringing in more revenue to subsidize their overhead costs.
I personally wouldn’t mind paying extra fees, as long as they were reasonable. (And I’m gonna add here that doctors aren’t alone in disliking all the forms they have to fill out on behalf of patients; most patients don’t like it either.) There are patients, though, who won’t be able to afford the extra fees – what then? And does it make sense to add more spending to a health care system that already consumes billions of dollars each year?
The irony in all of this is that it’s not doctors and patients who are the real problem. The real problem lies in how physicians are paid and how third-party payers set their reimbursement rates. If both these things could be changed, the burden for physician practices might be eased and administrative fees would no longer be necessary. As usual, though, doctors and patients are paying the price for the brokenness of the health care system, and until there’s a substantive fix, add-ons such as extra fees constitute little more than a Band-Aid.
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finance
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https://www.townehyundaibuffalo.com/new-vehicle-specials/
| 2022-01-28T00:06:36 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-05/segments/1642320305317.17/warc/CC-MAIN-20220127223432-20220128013432-00118.warc.gz
| 0.811717 | 196 |
CC-MAIN-2022-05
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en
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New Vehicle Specials
$500 Dealer Choice Cash
The new 2022 Hyundai Tucsons have arrived at Towne Hyundai!
And now is the time to reserve yours and receive $500 Dealer Choice Cash available on all 2022 Hyundai Tucsons purchased from Towne Hyundai inventory until the end of the month.View Disclaimer
$500 Dealer Choice Cash available on all Hyundai 2022 Tucson purchased from dealer stock between 1/4/2022 and 1/31/2022. Must be financed through Hyundai Motor Finance (HMF). Tax, title and license extra. Customers who participate in a Special Lease or Low APR program through Hyundai Motor Finance (HMF) do not qualify for Dealer Choice Cash. See participating dealer for details. Dealer Choice Cash offer ends 1/31/2022. MSRP excludes freight charges, tax, title, and license fees. Freight charges and actual dealer prices may vary. Vehicles displayed may contain optional equipment at additional cost.
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finance
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https://www.jsullinc.com/practice-areas/los-gatos-estate-planning-attorney/
| 2018-10-23T07:07:51 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-43/segments/1539583516117.80/warc/CC-MAIN-20181023065305-20181023090805-00366.warc.gz
| 0.956277 | 467 |
CC-MAIN-2018-43
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en
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Preserving the assets and property you work so hard to earn can easily be done through Estate Planning. At the Law Office of James M. Sullivan, Inc., we know which documents will work best to accomplish your wishes. It is never too early or too late to create these important documents, nor does size of your estate matter. Everyone deserves to have their wishes known and respected. With proper planning, you can still direct control of your estate if you are incapacitated temporarily or permanently, and after your death.
James M. Sullivan, Inc.
When an estate goes to Probate, it is a time-consuming and costly process. By creating a simple Will or Trust, this problem often can be avoided completely.
Customized estate planning documents we help clients develop to protect their interests and those of their intended heirs include:
- Wills & Trusts – living, revocable
- Powers of Attorney
- Medical/Healthcare Directives
- Family Partnerships
- Business Succession Plans
Attorney James M. Sullivan
For over 45 years, Attorney James M. Sullivan has dedicated his law career to helping others with legal issues that affect their personal lives and business operations. He earned his Law Degree from Santa Clara University School of Law and was licensed to practice law in California in 1970. Most of his legal work is for clients who need help with tax matters, or estate planning and business issues. He gives each client personalized care and attention, as he creates unique strategies for their special needs.
California Estate Planning Attorney
With Estate Planning documents, you can protect your personal or business assets and property from excess taxation, challenges and future problems about inheritance issues. When you make your wishes known in these documents, it helps you to maintain control at times when you are incapacitated and after your death. If you do not have valid documents, the Probate Court will appoint someone to administer your estate matters. Your wishes will go unknown, and your heirs may lose out on assets or property you wanted them to inherit. Businesses also can benefit from estate planning that dictates your wishes and succession plans.
It is never too early to start Estate Planning. Learn more by contacting James M. Sullivan, Inc., in Los Gatos, CA. Call us now, at (408) 395-3837.
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finance
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http://stiftelsen.expo.se/pr.php?id=1373329
| 2017-03-29T10:58:30 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-13/segments/1490218190295.4/warc/CC-MAIN-20170322212950-00329-ip-10-233-31-227.ec2.internal.warc.gz
| 0.914214 | 266 |
CC-MAIN-2017-13
|
webtext-fineweb__CC-MAIN-2017-13__0__289957136
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en
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European fascist and neo-nazi association gets vast EU-subsidy
A European association of fascist and nazi politicians is receiving hundreds of thousands of euros in funding from the EU – in spite of a recent tightening of rules meant to prevent such aid going to anti-democratic groups.
In 2014, the European Parliament tightened up its rules governing funding for European-level political parties. The aim was to prevent economic support going to parties that contravene the EU's fundamental human rights principles. As a result of the new rules, the European political party Alliance of European National Movements (AENM) lost their entitlement to EU funding in 2014.
But in spite of the new rules, the European Parliament this January granted some €400,000 to the far-right European political party "Alliance for Peace and Freedom" (APF). The APF is an association of European nazis, fascists and Holocaust deniers.
For more information please contact:
Anna-Sofia Quensel, Researcher: +46 8 400 219 81.
Mikael Farnbo, Editor: +46 8 400 219 62.
Photo: The United Kingdom is represented in the executive board of the APF by Nick Griffin, ex-leader of British National Party. (Image: Expo).
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finance
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https://www.stylesimpler.com/tips-for-moving-homes/
| 2023-09-26T15:38:09 |
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| 0.959954 | 623 |
CC-MAIN-2023-40
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webtext-fineweb__CC-MAIN-2023-40__0__146617154
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en
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Moving homes can be exciting – whether you’re upsizing, downsizing, or moving to a new city. However, it can also be stressful – as you’re met with a seemingly endless to-do list and a lot of legal paperwork.
With that in mind, here are five useful tips you should bear in mind when moving home!
Know your budget ahead of time.
House prices vary widely depending upon a range of actors such as location, size, amenities and more. However, it’s crucial that you know how much you are able to spend ahead of time, so that you only attend viewings that are within your budget. This will make it easier to find a house that meets your needs, without feeling pressured to spend more money than you can realistically pull together. In general, “most financial advisors agree that people should spend no more than 28 percent of their gross monthly income on housing expenses”, but each person is different.
Put together a schedule & plan.
There are many tasks you must accomplish moving homes – from applying for a mortgage to signing complicated contracts. As most of these endeavours are also time-sensitive, it’s crucial that you put together a schedule that will help you to stay on track. This way, you won’t miss any important deadlines that could delay the process considerably. Ideally, you should write down a list of everything you need to do, as when we write things down, you’re more likely to remember them than if you tried to store all of the important information in your head!
Hire a moving company.
Working alongside a moving company, such as Two Men And A Truck, is another great way to reduce some of the stress you may be experiencing as your move-in date gets closer. This is because you don’t need to take any time out of your day to consider the logistics of moving bulky furniture or valuables from one home to the next – as this work will be done for you. Not only does this save you a great deal of time and energy, but it’s a great way to ensure nothing gets broken, damaged or lost en-route!
Get your home ready to sell.
One of the biggest challenges associated with moving home is finding a buyer for your current property, but you can speed up this process by ensuring your home is market-ready. To do this, focus on making small changes that make the property more attractive to buyers, paying particular attention to what they are looking for. Remember, this endeavour does not have to break the bank as there are plenty of ways to update your home on a budget. For example, a fresh coat of paint can go a long way towards brightening up a space that would otherwise appear dull, tired or unappealing. As first impressions are crucial at property viewings, you may also want to look into ways to add curb appeal to your home, as your home’s exterior is the first thing a potential buyer will see when they arrive.
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finance
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http://www.trurocityfc.net/news/latest-city-seeking-new-investment-a-chance-to-get-2136659.html
| 2018-10-23T21:38:54 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-43/segments/1539583517376.96/warc/CC-MAIN-20181023195531-20181023221031-00539.warc.gz
| 0.959482 | 391 |
CC-MAIN-2018-43
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webtext-fineweb__CC-MAIN-2018-43__0__186916945
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en
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MILLER Commercial have recently been instructed to seek “expressions of interest” on behalf of Truro City FC.
The club was rescued from administration approximately five years ago by local businessmen, Peter Masters and Philip Perryman. During their tenure, and following considerable financial investment by them, the club now finds itself debt free and playing in the upper echelons of the Vanarama National League South.
The pair committed to a five-year investment plan, the result of which finds the club currently sitting in the play-off positions and having reached the first round proper of the FA Cup for the first time in their history earlier this season with a trip to Charlton Athletic.
With the club having agreed rights to play at the planned Stadium for Cornwall, Truro City FC is in great shape and the current owners are now looking for a new investor or new outright owner(s) to come on board, as Chairman, Peter Masters, outlines.
“It has been well documented that my Co Director Philip Perryman was going to step down at the end of the current season after completing a five-year stint with the club," said Mr. Masters. "The club is now starting the process of looking for a co-investor to come in alongside myself or, alternatively, for someone to come in and take control completely in order to take the club on to the next level.
"Obviously anyone considering a venture such as this will need to meet certain requirements of The Football Association and be of a sound financial footing given the considerable annual investment a club such as this requires.”
Potential investors looking to get involved in this unique opportunity should in the first instance contact the club’s agent Paul Collins of Miller Commercial on 01872-247029 or via email: [email protected]
Updated 19:56 - 13 Jun 2018 by Truro City Football Club
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finance
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https://www.firmamentshop.de/epages/61516592.sf/en_GB/?ObjectPath=Categories/CustomerInformation
| 2021-09-23T12:05:16 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780057421.82/warc/CC-MAIN-20210923104706-20210923134706-00240.warc.gz
| 0.908592 | 310 |
CC-MAIN-2021-39
|
webtext-fineweb__CC-MAIN-2021-39__0__178144436
|
en
|
a) The purchase price contains the value-added tax (VAT).
b) The buyer bears the costs for shipping; they amount to:
· within Germany = 2,50 €; free of shipping costs starting at 20.00 €;
· within Europe = 5,00 €;
· remaining foreign country = 10,00 €
Right of revocation
a) If the buyer is consumer he has a right of revocation. The right of revocation does not exist for contracts, which are effected by business companies or self-employed within their professional activities.
b) The right of revocation applies to all Shop-articles.
c) The period of revocation amounts to two weeks. It begins with the date of receipt of the goods at recipient. To meet the deadline, timely mailing to following address is sufficient: Firmament Musik Verlag und Notenvertriebsgesellschaft mbH, Wittelsbacherstr. 18, 10707 Berlin, E-Mail: [email protected]
d) The contract can be cancelled without giving reasons in text form (e.g. letter, fax, E-Mail) or by returning the goods.
e) The buyer is obligated to send back already supplied goods if this was not settled yet in connection with the revocation letter. The buyer bears the costs of the reshipment, if the value of the returned goods does not exceed an amount of 40,00 €, unless those supplied goods does not correspond to the ordered.
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finance
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http://primemeridianresources.com/about/
| 2019-08-24T18:52:54 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027321351.87/warc/CC-MAIN-20190824172818-20190824194818-00344.warc.gz
| 0.943319 | 163 |
CC-MAIN-2019-35
|
webtext-fineweb__CC-MAIN-2019-35__0__143921768
|
en
|
Prime Meridian Resources is targeting confirmed and speculative mining opportunities in Mexico. By taking controlling ownership of these endeavours, we are able to both maximize development efficiency and ensure operations are orchestrated in a unified and cohesive manner providing streamlined productivity and growth every step of the way. This formula provides accelerated development, faster revenue and rapid scaling.
Prime Meridian Resources is traded on the TSX-V under the symbol PMR. In addition to being acquired via public exchange, PMR shares are currently available through private placement sale. We are offering 15,000,000 shares at a price of $0.10 per share, with additional 15,000,000 PP warrants available for $0.30. The private placement sale is being used to fund new projects that will help us generate revenue and further expand operations in the future.
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finance
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https://www.gliseljimenez.com/insurance/auto
| 2023-09-29T08:05:25 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510498.88/warc/CC-MAIN-20230929054611-20230929084611-00005.warc.gz
| 0.904934 | 219 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__246987243
|
en
|
Auto Insurance in and around Summit
BE READY FOR THE ROAD AHEAD
Wind storms, vandalism, and a rollover, oh my! Even the most attentive drivers know that sometimes trouble finds you on the road. No one knows what to expect around the next bend.
GET AUTO COVERAGE YOU CAN TRUST
That’s why you need State Farm auto insurance. Whatever you drive—whether it’s a motorcycle, classic car, or RV— coverage from State Farm gives you confidence for the day ahead. State Farm Agent Glisel Jimenez is ready to help you navigate life’s road with high-quality coverage for all your auto insurance needs. Such attentive service is what sets State Farm apart from the rest. And it won’t stop once your policy is signed. If trouble finds you on the road, State Farm is there to handle your claim promptly and reliably. Don’t let mishaps get in your way! Reach out to State Farm Agent Glisel Jimenez today and find out the advantages of State Farm auto insurance.
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finance
|
https://www.triumfo.de/how-to-plan-the-budget-for-your-exhibition-booth/
| 2023-09-22T14:18:57 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506420.84/warc/CC-MAIN-20230922134342-20230922164342-00209.warc.gz
| 0.964276 | 634 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__216882535
|
en
|
Each and every company participating in a trade show or exhibition starts planning and working on it months before the event. Among all the other tasks, the most important part of planning an exhibition booth is its budgeting. If your company is planning to exhibit at a trade show or an exhibition soon and you are struggling with its budgeting then this blog is for you.
We have mentioned everything you need to know about how to do budgeting for an exhibition with a detailed cost breakdown of it.
Every brand exhibits in trade shows and exhibitions with certain goals. These goals help you to create the outline for your budget planning. You can also meet any shortcomings way before your exhibition with this. Hence, your aim must be to plan a budget that entirely meets your exhibition goals.
Ask yourself the following questions as you plan the budget for the exhibition:
You should have an estimated budget on how much your company is willing to spend for the exhibition stand before approaching any exhibition stand design company. Generally, an exhibition booth budget is divided into four segments naming, exhibition stands cost, marketing cost, service cost, and stand booth staff cost. This will give you an estimate on where to allocate how much money.
Now, you need to calculate your estimated budget with the actual budget of the exhibition and do the distribution of resources. The budget is divided further into the following categories:
Exhibition Stand (40%): The biggest factor that affects the cost of your exhibition stand is its size. That is the reason custom exhibition stands come in many sizes such as 10×10 stands, 10×20 stands, customized exhibition stands, and many others that differ according to the space they occupy. However, your exhibition stand is the most important aspect of the exhibition so it will acquire 40% of the total budget.
Exhibition Stand Staff and their Transportation (20%): An exhibition stand is of no use without its staff. That’s why you have to keep 20% of your total budget for the stand staff’s paychecks and transportation. This percentage increases in case you are taking part in an international trade show which will increase the traveling expenses.
Trade Show Services (19%): Any good exhibition stand design company or I&D company will charge a good cost for their services as they provide you with a team of professionals who offer expert services from designing the stand booth to building the booth.
Shipping and Drayage (10%): The shipping and warehousing companies can charge a decent fee. Also, your drayage cost might be slightly more or equal to the shipping cost of your stand booth to the venue.
Marketing (5%): Your marketing cost will take at least 5% of your total budget as you might need to create a lot of content from pre-trade show posts to product demonstrations to giveaways.
Miscellaneous Cost (5%): Although we have mentioned the most important aspects of the exhibition stand. There could be various small, miscellaneous costs such as trade show Wi-Fi connections, maintenance charges, exhibit stand staff’s food, lead retrieval system charges, any unforeseen extra charges, and so on.
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finance
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https://northlandfinancialllc.com/get-started-now/
| 2024-04-22T19:35:25 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818337.62/warc/CC-MAIN-20240422175900-20240422205900-00142.warc.gz
| 0.916547 | 511 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__183217985
|
en
|
Get Started Now!
Working with a trusted financial partner is one of the most important decisions you can make for your financial future. Whatever you hope to achieve, it’s our mission to simplify the complexities of your financial life so you can focus on what matters most.
- Do you wonder which healthcare plan is best for you in retirement?
- Do you wonder if you are truly prepared for retirement?
- Do you have specific questions about your financial plan?
- Would you like a second opinion on your investments or retirement plan?
We’re Here To Help Virtually
We offer a no-cost introductory Q&A session to help answer your questions, learn more about your goals, and see how we may be able to help.
In our no-cost introductory phone call, we’ll discuss:
- Which financial questions do you have?
- What worries you about your financial future?
- What are your concerns or goals when it comes to investing?
During our discussion, we’ll answer any specific questions you may have, and take the time to learn about your values, goals, and objectives.
How To Prepare For Our Call
You don’t need to do anything to prepare for the meeting, and there’s no cost or commitment for the call. It may be helpful to collect your financial questions so we can review them together. Use the link below to schedule your call online now!
Get Started Now
Schedule your free 15-minute introductory phone call today to:
- Plan to maximize your financial future.
- Get answers to your specific questions.
- Get personalized recommendations for your unique situation.
You may also call 480-561-6161 or email [email protected].
Joel Rieck is president and founder of Northland Financial, LLC. He specializes in helping and educating the public on planning their retirement and managing risks. He assists individuals with retirement income planning, Medicare, Social Security, life insurance, IRAs, and asset management. Joel is a certified National Social Security Advisor (NSSA®) as well as a Chartered Retirement Planning Counselor (CRPC®). He holds a Series 65 securities license as well as life, health, property, and casualty insurance licenses, and is a registered Investment Advisor Representative with the SEC. Joel holds a deep commitment to service, communication, and integrity. To learn more about Joel, connect with him on LinkedIn.
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finance
|
http://hospitalityauditservices.co.uk/stock-control-management-accounting/food-beverage-flash-reports.php
| 2021-05-12T08:48:10 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-21/segments/1620243991685.16/warc/CC-MAIN-20210512070028-20210512100028-00295.warc.gz
| 0.950992 | 198 |
CC-MAIN-2021-21
|
webtext-fineweb__CC-MAIN-2021-21__0__103349159
|
en
|
Hotel Food and Beverage Flash Spreadsheets
As well as full Hotel stock takes, costs can be controlled using food and beverage flash reports. These are used extensively in large hotels so that Chefs and Food & Beverage Managers can monitor costs and profit margins throughout a period.
We offer food and beverage flash spreadsheets which allow you to track kitchen and liquor purchases and give an estimated GP% in real time (generally a month or financial period). This information is vital to all Head Chefs, owners or managers as it allows for the food and liquor GP% to be monitored through a month.
Adjustments to purchasing, waste, portion size etc can be made to correct any issues immediately. If such a system is not used, the GP% is only likely to be known a couple of weeks later when financial figures are produced. This is too late.
Please be aware that some basic Excel knowledge will be required to complete your own stock takes and food flashes.
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finance
|
https://goodshepherdokc.org/medicaid-expansion/
| 2022-12-02T17:12:21 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710909.66/warc/CC-MAIN-20221202150823-20221202180823-00729.warc.gz
| 0.900711 | 170 |
CC-MAIN-2022-49
|
webtext-fineweb__CC-MAIN-2022-49__0__220014031
|
en
|
Medicaid Expansion now makes SoonerCare available to adults ages 19-64 whose income is 138% of the federal poverty level or lower. This is estimated to be an annual income of $17,796 for an individual or $36,588 for a family of four. The application process is now open.
There are no premiums for members in the newly expanded SoonerCare population. However, non-pregnant adults will be charged co-payments up to the 5% out-of-pocket cost-sharing limit, unless exempted from cost-sharing requirements.
Additional information can be found in the linked flyer(s):
For assistance navigating the application process, please visit https://oklahoma.gov/ohca/individuals/mysoonercare.html, or call 1-800-987-7767.
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finance
|
https://modernrev.newwebsitedraft.com/how-to-stay-cool-in-a-hot-market
| 2023-12-05T22:07:31 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100568.68/warc/CC-MAIN-20231205204654-20231205234654-00167.warc.gz
| 0.956957 | 943 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__186543101
|
en
|
This blog was originally written during the hot market of 2016 when Saira attempted to purchase a home for herself and competed against eight other buyers who wanted the same home. Here are her tips for being prepared and how to keep your cool in a hot market!
1. Know what you want!
One of the tools our team uses with clients is a needs, wants, wishes, and deal breaker list. When you find a great property, always cross reference the list. Don’t get swept away by the pressure of multiple offers, make sure the property fits your requirements.
2. Move quickly
In a brisk market, you need to act quickly. We recommend seeing listings in the first day or two once they hit the market. Most sellers are setting a day and time when offers will be presented. The quicker you can get in to see the home, the more flexibility you’ll have to satisfy conditions ahead of time or decide if you want to move forward with an offer. There is also a risk of a bully offer coming in (where someone will try an offer before the set offer presentation day and time). If you’ve already seen the home, you may have an opportunity to compete against the bully offer if the seller decides to entertain it.
3. Consider unconditional
We only recommend not including conditions like financing or inspection if you have satisfied these conditions ahead of time. This could mean submitting a hypothetical deal through your mortgage professional to get a financing approval. You may also pay for inspections before you know you have the property. This can be risky, but it can give you a head start on other buyers. A prudent REALTOR® and mortgage broker will advise you of all the risks you’re taking with each decision you make.
4. Consider the long term
We recommend our clients look at real estate as a long term investment. Are you going to be able to grow in this home? Are there options to finish a basement if you need more space? Can you suite the downstairs and keep it as an investment? Think of your long range plans and then consider if it will make a big difference to your life if you have to up the price to get your dream home.
5. Know Your Numbers
You should know exactly how much cash you need for a down payment, property transfer tax and closing costs at various price points – do you have enough? You should also calculate your ongoing monthly costs: mortgage, property taxes, estimated heating/utilities, strata fees, insurance, etc! We love the Canadian Mortgage App for all these calculations. You’re able to plug numbers in, including rent if there is a suite, get a really good sense of what your ongoing monthly costs are, and the cash you need to proceed with the purchase.
When you’re competing, it’s best to focus on your monthly cost (which you have to live with during the term of the mortgage) and less on purchase price. Instead of asking, “Should I spend another $5,000?” ask yourself “Can I afford another $20/month?” This will help alleviate some of your stress when deciding on a price to offer.
6. Keep your cool
Understand that an offer is only a means to tie up the property until you satisfy your conditions. With multiple offers, you may only get one shot to put your best offer forward. If after you submit your offer the seller wants to further negotiate with you, I would say to trust your gut. Ask yourself all these questions: Am I going to be excited to get the home for this price? Or, will I resent the home because I felt like I over paid? Is this a long term investment? Can I afford the monthly costs? Will I have enough cash on closing? Is this what I want? If I lose this home, is it the end of the world? (I assure you it’s not).
Competing to purchase a home is a lot like falling in and out of love. If you don’t get your dream home this round, don’t worry! When you find “the one” you’ll know why all the other ones didn’t work out. =)
We have helped hundreds of clients buy and sell in very competitive markets. If you would like to meet with one of our team members for a buyer orientation, please contact us to book an appointment. We will discuss what to expect when you buy, strategies for being successful, and costs to be aware of no matter what you are looking for.
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finance
|
https://www.fonogenic.com/services
| 2024-04-18T04:00:55 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817187.10/warc/CC-MAIN-20240418030928-20240418060928-00253.warc.gz
| 0.890868 | 164 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__198462191
|
en
|
*20% deposit required for all sessions.
*We will keep your deposit if you cancel your long-term session less than 12 days in
advance or your short-term session less than 48 hours in advance.
*A standard Studio Lockout is 10 hours, unless agreed upon otherwise.
*Billing starts at the time the session is booked – Overtime at standard hourly rate.
* We assume no risk and make no guarantees for the safety of client’s equipment or materials.
*We are not responsible for data left on premises, either the dissemination of said data or loss thereof.
*Any and all damage to the building/equipment during use of the facility by client and/or their visitors
is the sole legal and financial responsibility of the client.
|
finance
|
https://jut.sk/jut-amp/en/for-suppliers/
| 2023-12-11T12:33:18 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679511159.96/warc/CC-MAIN-20231211112008-20231211142008-00841.warc.gz
| 0.950738 | 377 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__197428043
|
en
|
For the Suppliers
During the execution of individual projects JUT-AMP Ltd. works closely with its chosen suppliers and jointly guarantees to all public and private investors that their projects will be executed at a high level, meeting their standards and completed within the agreed time scale.
Therefore, we perceive our suppliers as partners and do not demand from them obligations beyond the contractual relationship existing between the customer and our company.
However, we demand compliance with standards that we ourselves guarantee to our customers:
- compliance with the Health and Safety Regulation
- adherence to agreed contractual terms, quality and prices of goods
RECEIVING AND PROCESSING OF INVOICES IN JUT-AMP Ltd.
1. All invoices issued must be delivered to the central registry of the company in one of the following ways::
Hard copy to the company address:
2. The invoice due date is normally one calendar month from the date of delivery of the invoice to the delivery address referred to in point 1.
3. The payment date is the date on which the payment order is handed over to the bank, unless otherwise agreed by contract.
4. The invoice must be issued in accordance with the current legislation and must contain at least the following information:
- name of the building site
- a description of the work carried out / service provided
If it does not contain the above-mentioned information, or if they are incorrectly stated, the Customer is entitled to request its correction within the due date. After the corrected or newly issued invoice is delivered, the new due date begins. You can view all the essentials in details in the “Download” section.
5. The customer’s guarantee as the recipient of the taxable supply for the supplier’s unpaid VAT on this supply is governed by the current legislation of the Slovak Republic.
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finance
|
https://www.hellystar.com/en/burj-al-babas/
| 2019-07-19T07:52:42 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-30/segments/1563195526153.35/warc/CC-MAIN-20190719074137-20190719100137-00299.warc.gz
| 0.984403 | 465 |
CC-MAIN-2019-30
|
webtext-fineweb__CC-MAIN-2019-30__0__63627578
|
en
|
Credit : Adem Altan
Located in Turkey in the village of Mudurnu nestled in the mountains of the Bolu region, “Burj al-Babas” has the particularity, as mentioned in our introduction, of being composed in an unusual way of castles.
This ambitious construction project was launched in 2014 by Sarot, which at the same time was also on other construction sites in this region located a little over 200 km from Ankara.
With the design of 731 castles whose architecture can be reminiscent of Chambord Castle in France, as well as the construction of a shopping centre, the “Burj al-Babas” project seemed at the time to have as its guiding principle the ambition to attract people, even foreign investors. According to some sources, the vast majority of these buyers are from the Gulf country.
In fact, the Turkish government of Erdogan, after a period of growth, had set itself the objective, particularly following a decline in the Turkish lira and diplomatic tensions with the United States, of making the construction sector “the nerve of war” of its policy. This is how colossal projects such as “Burj al-Babas” were born.
However the Mudurnu site will very quickly be completely abandoned like many others in the region. Indeed and despite the work provided by the Sarot company, it is unable to find buyers for their castles. Worse still, it also has to deal with abandoned sales of 351 homes priced between $400,000 and $500,000. The main reason would come from customers who, after acquiring their new place of residence, very quickly found themselves unable to ensure payment for it. Another possibility mentioned was the fall in oil prices, which could very well have hampered the finances of investors in the Gulf country.
Faced with this crisis situation, Sarot had no choice but to ask the government to be placed under bankruptcy. It was very quickly joined by other construction companies with the same problems as “Burj al-Babas”.
This is how this fairytale village was left and still is today abandoned and looks more like a horror movie setting to some people’s taste.Credit featured image : Adem Altan
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finance
|
https://developer.tomtom.com/pricing/migration-guide
| 2023-09-29T13:03:02 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510516.56/warc/CC-MAIN-20230929122500-20230929152500-00016.warc.gz
| 0.984251 | 135 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__88647952
|
en
|
ON THIS PAGE
What happened to the credits I had before June 8, 2021?
As of June 8, your remaining credits have been automatically converted to a monetary amount of equivalent value. You can check your current balance here.
I had a recurring payment option. How was my new recurring payment amount determined?
To make sure there are no unexpected expenses, we have moved you to a recurring prepaid package that is less than or equivalent to what you were paying before. Your recurring payment settings stayed as they were, but the frequency of payment might have changed, depending on what new prepaid package applies to your situation. You can check and change your current payment settings here.
|
finance
|
https://recas.ru/living-in-russia/
| 2023-06-02T22:04:25 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224648858.14/warc/CC-MAIN-20230602204755-20230602234755-00768.warc.gz
| 0.948364 | 748 |
CC-MAIN-2023-23
|
webtext-fineweb__CC-MAIN-2023-23__0__101325264
|
en
|
Living in Russia
Living in Russia is quite affordable and spending from 200 US$ to 400 US$ a month is enough for a comfortable life for an individual student. St. Petersburg and Moscow are well-known for being the most expensive cities to live in.
Finding student accommodation in Russia, however, requires keeping a few key particularities in mind. It is crucially important to find the best variant within your budget, because the wise choice of the place of stay has a direct impact on your academic achievements. The most popular accommodation options for international students are:
University Dormitory – is considered to be the most affordable option. University dormitories range from 30 US$ to 780 US$ per month and are often cheaper than private rentals with prices set by your institution. University dormitories always come with a shared kitchen and bathroom. The dorms are furnished, usually located on campus, and often near cafes and sports facilities. With many international students opting for dormitory accommodation, the option may give you more possibilities to socialise with other students.
Privately Rented Apartment – is more expensive, but there is a good likelihood that you will find the best location and the level of comfort that suits you. Many students recommend staying in a dorm for the first few months before moving into a private accommodation. RECAS representatives will help you with finding private accommodation, going through your university or a realtor is the best way to find secure and fast lodging!
Homestay – is a common accommodation option for international students who want to live with host families. It may cost slightly more than university dormitories. Homestays provide a great opportunity for you to be completely immersed in both the Russian language and culture.
Accommodation in cheap student hostels with private facilities (toilet and shower in the hallway) costs from 20 US$ to 30 US$ per night.
Eat, drink in the cafe: on purchases related to food, you will spend from 40US$ to 80US$ per week. The cafe serves a good three-course dinner for 20US$. If you dine in the cafe on weekdays, three meals cost about 15 US$.
Evening entertainment: A movie ticket costs 10 US$, if the film comes in English, but you can watch movies in Russian for 5 US$. Tickets to a theater, opera or ballet are 30 US$, but for the good places you have to pay 70 US$ and above. The entrance to museums and galleries is from 1 to 10 US$, depending on possible discounts. For the entrance to the clubs you need to pay from 5 US$ to 10 US$ as a club entrance fee.
Public transport: Metro tickets cost from 24 US$ to 36 US$ per month. Tickets for buses, trams and trolley buses cost between 0.5 US$ to 0.9 US$ per trip, regardless of the length of the route.
Excursions: From Moscow you can ride to the nearest city of the Golden Ring for one day. This trip will cost you 15 US$ or 20 US$. A train ticket, if you are going to travel within Russia, is inexpensive ( tickets from Moscow to St. Petersburg cost about 15 US$ to 20 US$).
Clothing: it is worth buying winter clothes (hats, scarves, coats, shoes) in Russia. It is cheaper than in the Western countries, and is more suitable for the Russian climate.
Here’s some overall averages for the cost of living in Russia in terms of some common student expenses: Meal 8 US$, Coffee 2 US$, Cinema Ticket 5 US$, Monthly rent 247 – 356 US$, Monthly Transport 27 US$.
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finance
|
https://www.thinksport.org/en/pages/regional-economic-development-agencies-codev-981
| 2019-08-18T11:48:51 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027313803.9/warc/CC-MAIN-20190818104019-20190818130019-00417.warc.gz
| 0.936639 | 182 |
CC-MAIN-2019-35
|
webtext-fineweb__CC-MAIN-2019-35__0__67879537
|
en
|
We are here to help you in any way we can, and there is a wealth of administrative support available within our City, our state, and throughout Switzerland. To understand the organisations and opportunities at your disposal, click on a box below for additional information.
Regional Economic Development Agencies (CODEV)
Regional Economic Development Agencies are local host platforms that help companies set up, settle, and thrive in the region. The agencies are made up of private members and public agencies that provide most of the financing.
These local organisations provide guidance, information services, advice and support in the areas of economic promotion, enterprise creation, and business development.
They support entrepreneurs in their dealings with cantonal and municipal government agencies, orienting them toward the organisations best suited to respond to their specific business needs. They create regional development strategies and manage a database of commercial land and premises in their territory.
|
finance
|
https://friendsofchiddsurgery.org/donate/
| 2022-12-08T01:55:27 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446711232.54/warc/CC-MAIN-20221208014204-20221208044204-00484.warc.gz
| 0.838357 | 450 |
CC-MAIN-2022-49
|
webtext-fineweb__CC-MAIN-2022-49__0__91147516
|
en
|
You can donate by internet transfer, cheque or using one of the collecting boxes scattered round the area. Or donate at no cost to you, through Amazon!
BY INTERNET TRANSFER
Our NEW bank details are:
Account name: FRIENDS OF CHIDDINGFOLD SURGERY
Sort code: 30-98-97
Account number: 71746863
If you pay by direct transfer, please contact us if you would like an acknowledgement.
Send cheques payable to the Friends of Chiddingfold Surgery to
Friends of Chiddingfold Surgery
Surrey GU8 4QP
GIFT AID ON BANK DONATIONS
If you are a tax payer, please consider using Gift Aid as this means we can reclaim from HMRC 25p for every £1 you donate. Rest assured that any personal information you provide to us will be carefully safeguarded and used only to process the Gift Aid claim in accordance with HMRC rules.
Gift Aid declaration
BY CASH OR CARD
There are collecting boxes in:
- Chiddingfold Surgery
- Roberts Stores in Chiddingfold: who will take credit card donations. Ask in the Stores.
- The Shop in Dunsfold: if you don’t have any change for our collection box, the Shop will do a cash-back – just say that you want cash to donate to the Friends!
- Broken Spur Garage on the A283 (next to The Mulberry)
The Friends are registered with Amazon Smile, so you can support us at no cost to yourself if you’re making a purchase on Amazon.
- A small window will pop up asking if you want Amazon to make a donation to a charity on your behalf. You can then nominate the Friends and a small donation will be made by Amazon.
- Or you can go directly to https://smile.amazon.co.uk/ch/1080617-0 to register.
Contact: email [email protected]
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finance
|
http://mymetrotalk.com/
| 2016-07-27T11:30:09 |
s3://commoncrawl/crawl-data/CC-MAIN-2016-30/segments/1469257826773.17/warc/CC-MAIN-20160723071026-00131-ip-10-185-27-174.ec2.internal.warc.gz
| 0.97338 | 668 |
CC-MAIN-2016-30
|
webtext-fineweb__CC-MAIN-2016-30__0__27012708
|
en
|
Whether you are a new start up trucking company or you have been in business for 50 years, most logistics companies use Freight Bill Factoring to help with the cash flow needs to cover their day-to-day expenses such as fuel, toll, insurance, maintenance, payroll and the like. If you are considering this for your trucking company you have likely spoken with others about the benefits and drawbacks to using this type of service.
While speaking with others about the idea is good I would like to add some objective points for you to also consider before signing up with a company for your Freight Bill Factoring Service.
1. Be sure the funder is available to you. The last thing you want is to have a company that you cannot reach when you needed to speak with them. It is your money and your income that is being leveraged or in other words, the “life blood of your company” is at stake – be certain they are available to you when you need them.
2. Will the funder be funding you on a schedule that is acceptable to you? Some funders will fund you same or next day on the invoice that has been submitted for Freight Bill Factoring. Some will wait a week to do it or require a minimum value to process them in batches. Again, this is the “life blood of your company”, will they be doing you a service, or disservice?
3. Does the funder have a drop-box on your routes that you can submit your invoices or can you email or fax them in? Some companies require original invoices and if they do not have drop-boxes on your routes, it can delay the submission of your invoices until you can get somewhere to send them in. If they do not need originals then you can fax or email them in on the road which may be a better solution for you.
4. Does the funder have a good grasp on the trucking business? There are many finance companies that can advance on invoices but if they do not have a dedicated team specifically for trucking, how likely are they to understand the nuances of your business?
5. Does the funder have the capacity to fund your logistics company without interruptions? You need to be sure the company you deal with has the financial capacity so that when your invoices are sent into them, they will be able to do the needful and fund you as they say they will. The last thing you will want is for them to have to wait to receive payments from other invoices in order to send out your advances on your invoices
6. Can the factoring company service all or at least most of your customers? Some funders will not fund international invoices and if you ship internationally, this can be a real problem. They may want to carve out those international customers you have and not advance on them. Can you afford this or not? This is a question you need answer.
Freight Bill Factoring can certainly help your business and at the same time, partnering with a finance company that cannot meet your needs and expectations can severely hurt you. Ask questions and verify the answers before you sign up and do not be afraid to ask around.
|
finance
|
https://northernreview.org/2023/10/13/fact-check-budget-appropriations/
| 2023-11-29T02:01:44 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100047.66/warc/CC-MAIN-20231129010302-20231129040302-00230.warc.gz
| 0.940787 | 347 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__103882164
|
en
|
Recently, an email sent to student organization presidents claimed the following:
In order to be eligible for 2024 Budget Appropriations, every group will be required to track attendance at a minimum of 5 events (chapter, general assembly, service events, etc.) during the 2023-2024 academic year to be eligible to receive funding from the Senate.Email sent to Campus Organization Presidents
Additionally, a similar claim was made during budget appropriations earlier this year, under the heading “Senate Bylaws”:
These claims are VERY MISLEADING.
This provision is not in Senate’s regular bylaws or the Finance bylaws. If you would like to read them, the regular bylaws are here and the finance bylaws are here. In the event these documents are edited, updated, or restricted, Northern Review-hosted copies of the bylaws as of October 13, 2023 are here and here.
Student Senate’s budget appropriations are made at the discretion of the Treasurer and the Finance Committee, and are subject to approval by the elected members. By the time the 2024-2025 academic year budget appropriations are dispersed, a new Student Body President and Treasurer will be in power, and they may or may not agree with this policy. A new contingent of college representatives will have been elected, and depending on when budget appropriations are finalized, new housing representatives may or may not have been elected.
While it is technically possible that the 2024-2025 Student Senate budget appropriations only give money to student organizations which have submitted attendance records for five Northern Network–approved events, this is NOT a provision of Student Senate’s bylaws, and leadership at the time may not endorse the policy.
|
finance
|
https://qcchristianschools.org/donate/
| 2024-04-14T01:56:13 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816863.40/warc/CC-MAIN-20240414002233-20240414032233-00415.warc.gz
| 0.966058 | 146 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__149448370
|
en
|
Support Quad Cities Christian School
QCCS is a non-profit school. The cost of tuition does not cover all the operating costs of the school. We rely on the generosity of the Christian community to meet the remainder of our needs. We have many churches represented by our parents, students, and faculty at Quad Cities Christian School.
We often experience a need for a financial increase to help meet our budget. We’re reaching out to the faithful supporters of our school to encourage you to consider a tax-deductible gift to QCCS.
Together we can carry on with not only meeting our students’ educational needs but also with meeting their spiritual needs and helping them develop their walk with the Lord.
|
finance
|
https://booksthroughbarsnyc.org/donate/funds/
| 2023-09-23T01:21:33 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506429.78/warc/CC-MAIN-20230922234442-20230923024442-00793.warc.gz
| 0.958776 | 430 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__279059003
|
en
|
NYC Books Through Bars would not exist without the help of people who donate money for postage, which is what the majority of our funds are spent, as we are a group run entirely by volunteers (with a donated space and donated books). We are a 501(c)(3), which means that all donations to Books Through Bars can be tax deductible. You can donate using PayPal or via check at the address below.
We have been told time and time again that we are people’s only source of reading materials, as libraries in prisons are severely underfunded or even nonexistent, and because many people in prison are indigent and do not have funds to purchase materials themselves. We have also been told that whatever we send gets shared between many people, as books in prison are greatly valued.
We send our packages via media-mail. It currently costs $3.92 to mail a 1-lb. package, $4.67 to mail a 2-lb. package, and $5.42 to mail a 3-lb. package.
With these prices, on average it costs about:
- $20 to send packages to around 4 people
- $40 to send packages to around 8 people
- $60 to send packages to around 13 people
- $80 to send packages to around 17 people
- $100 to send packages to around 22 people
TO DONATE VIA POSTAL MAIL
Make checks payable to NYC Books Through Bars, and send to:
NYC Books Through Bars
c/o Freebird Books
123 Columbia St.
Brooklyn, NY 11231
TO DONATE IN SOMEONE’S NAME
If you would like to donate in someone’s name, we will mail a personalized card to the recipient. After making your donation via check or PayPal, send us an email at [email protected] with the following information:
- method of donation (online or postal mail)
- the recipient’s name and full address
- if there is a special note you would like included
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finance
|
https://hrelp.org/cpi-u-s-inflation-to-40-year-high-of-8-6/
| 2022-12-03T09:57:18 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710926.23/warc/CC-MAIN-20221203075717-20221203105717-00122.warc.gz
| 0.908802 | 699 |
CC-MAIN-2022-49
|
webtext-fineweb__CC-MAIN-2022-49__0__97063661
|
en
|
Consumer Price Index (CPI): Inflation in the U.S. in May hit a high of up to 8.6% in 40 years since 1981. The cost of living rose 1% in May due to higher rents, gas and food prices, pushing US inflation to a 40-year high of 8.6% and making it harder for Americans to make ends meet.
This morning, the Bureau of Labor Statistics (BLS) released the May Consumer Price Index. The index for all commodities rose 8.6% for the previous year, the biggest 12-month increase since the December 1981 period.
Changes due to Inflation
The energy index rose by 3.9%, according to new CPI data. The energy Index grew by 34.6% over the previous year. Gasoline, one of the commodities of daily need, is rising by 4.1%. The food index rose 1.2% in May and the Food at Home indexes rose 1.4%. The food index is up 10.1% over last year.
Huge fall in share prices
US shares opened with a fall today due to CPI. The S&P 500 fell 1.5% shortly after the opening bell. The Dow Jones Industrial Average dropped 483 points or 1.5%, and the Nasdaq Composite dropped 1.8%.
The fall in airline stocks after inflation data reflects rising fares. Inflation data showed airline stocks fell after a hike in fares in May.
Friday’s consumer-price inflation data showed the airline fares index rose 12.6 per cent in May, up from 18.6% in the previous month. The shares of Southwest were down 3.8%, Alaska Air 3.2% and American Airlines 2.4%. The S&P 500 was up about 2.7%.
Dollar Jumps After New Inflation (CPI) Data
The WSJ Dollar Index, which measures the dollar against a hamper of 16 currencies, rose 0.7% to nearly 96.73. The US dollar index, another index investors track, rose nearly 1.0%.
Gold Rises After The Release Of Inflation Data
Gold prices rose this morning as May inflation data indicated prices hit a new four-decade high. The most actively traded gold futures, which were down 1% before the Labor Department’s morning declaration, recently rose 0.4% to $1,859.50 per troy ounce.
The yield on the 10-year Treasury recently traded at 3.137%, compared to 3.041% on Thursday. Higher returns on government bonds can make gold, which doesn’t pay investors a fixed income just for owning the yellow metal, less attractive to hold.
All the indices are rising due to new data of Consumer Price Index US May 2022.
|Used Vehicle Prices||16.1%|
|New Vehicle Prices||1%|
|Interest Rate||2.75%-3% (expected)|
|
finance
|
https://altaasis.sa/blog/step-by-step-process-to-obtain-misa-license-in-saudi-arabia/
| 2023-12-06T13:56:31 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100599.20/warc/CC-MAIN-20231206130723-20231206160723-00097.warc.gz
| 0.920595 | 788 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__31378741
|
en
|
Step-by-Step Process to Obtain MISA License in Saudi Arabia
We understand the complexity of business expansion and the role of local laws and regulations. Our blog post will help you navigate the MISA investor journey and how to get through the business setup process in Saudi Arabia.
Getting MISA License
As a foreigner, you must get MISA License to start your business in Saudi Arabia. Through a MISA Investor License, you get full ownership of your business and can operate freely across Saudi Arabia. Your preference for economic activity decides which type of license you need for your business. We help you get your investor license conveniently.
Difference between SAGIA and MISA
|The Saudi Arabian General Investment Authority (SAGIA) is the former name of the Ministry of Investment Saudi Arabia (MISA). The Kingdom established SAGIA in 2000, which was responsible for attracting investment and licensing for local and global investors.||SAGIA was fully transformed into a ministry in 2020 and renamed as MISA (Ministry of Investment Saudi Arabia), which is solely responsible for issuing investment licenses to foreign investors and overseeing foreign investment into the Kingdom.|
Types of Legal Entities in Saudi Arabia
- Limited Liability Co (LLC)
- Limited Liability One-Person Company
- Joint Stock Company
- Foreign Company Branch
- Solidarity Professional Company
Difference between Branch and Subsidiary
|A branch is established at a different location to increase business coverage. It is an extension of the parent organization to conduct the same business operations as the parent company. The branch has no separate legal standing, and it reports to the head office of the company.||While on the other hand, a subsidiary is considered a separate legal entity from its holding company. The subsidiary is free to conduct its business operations, and it is not mandatory to undertake the same operations as its holding company.|
Step 1: Company Structure
It is always advised to obtain expert legal advice when deciding on your legal entity in Saudi Arabia. The right selection of company structure and careful planning can help your business grow fast.
Step 2: Documentation
Before applying for the MISA license, there are prerequisites that you must fulfil. Our team guides you regarding the required documents and helps you with the documentation process.
Step 3: Name Reservation
If you choose to set up a branch in Saudi Arabia, you will get a license in Saudi Arabia with the same name as the parent company. Subsidiaries get to choose the same trade name with an append word. Our team guide you through carefully selecting names that mirror your brand.
Step 4: Drafting the Articles of Association
We help you draft the Articles of Association for your MISA-licensed company. Our operations team guides you through the detailed decision-making and ensures the local documentation align with your growth plans.
Difference between Memorandum of Association and Articles of Association
|Memorandum of Association||Articles of Association|
|A Memorandum of Association (MoA) is a legal statement signed by all shareholders agreeing to establish the company.||Articles of Association (AoA) is a document containing operational rules about running the company.|
Step 5: Commercial Registration (CR) Issuance
Getting your Commercial Registration (CR) is the most crucial part of being officially registered in Saudi Arabia and with MISA. After getting your MISA license and getting your Articles of Association, we proceed to issue your Commercial Registration.
Al Taasis is Your Trusted Gateway to Saudi Business Setup!
After going through the detailed process, you will have a clear roadmap. We simplify your entire business setup process with our comprehensive services. We will be delighted to assist you further with your business incorporation process.
Initiate your business journey with Al Taasis to mitigate risk, stay compliant and accelerate your success.
|
finance
|
https://mydoris.co.uk/products/my-doris-digital-gift-card
| 2022-06-27T03:18:38 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103324665.17/warc/CC-MAIN-20220627012807-20220627042807-00086.warc.gz
| 0.842943 | 111 |
CC-MAIN-2022-27
|
webtext-fineweb__CC-MAIN-2022-27__0__245652309
|
en
|
My Doris Digital Gift Card
-Available in denominations of £10 | £25 | £50 | £100.
- Cannot be replaced for cash or credit on account.
- A refunded gift card will go back to the gift card purchaser on the method they bought the gift card.
- Expires after 12 months from date of purchase.
- Can be fully or partially redeemed.
- Discount codes cannot be applied to gift cards.
- Voucher can be redeemed by entering the code on the My Doris checkout page
|
finance
|
https://www.migrationexpert.com.au/blog/australian-taxation-finance-guide/
| 2024-04-22T18:28:00 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818337.62/warc/CC-MAIN-20240422175900-20240422205900-00034.warc.gz
| 0.94229 | 1,025 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__12135723
|
en
|
Moving to a new country is an exciting adventure, but it can also be overwhelming. As a new migrant in Australia, it’s essential to understand the tax system and how to manage your finances effectively. In this guide, we’ll cover the basics of taxation and finances in Australia to help you settle in smoothly and make informed decisions about your financial future.
Understanding the Australian Taxation System
One of the first things you’ll need to do as a new migrant is familiarize yourself with the Australian taxation system. Australia uses a progressive tax system, which means that the more you earn, the higher your tax rate. Here’s an overview of the key elements:
Tax File Number (TFN)
A Tax File Number (TFN) is a unique 9-digit number issued by the Australian Taxation Office (ATO) to individuals and businesses. It’s used to track your tax obligations and is required when starting a job, opening a bank account, or applying for government benefits. You can apply for a TFN online once you arrive in Australia.
As a resident for tax purposes, you’re required to pay income tax on your worldwide income. This includes salary, rental income, investment income, and capital gains. The Australian financial year runs from July 1st to June 30th, and you must lodge an annual tax return during this period. Income tax rates vary depending on your income level, with higher earners paying a higher percentage of tax.
Goods and Services Tax (GST)
Australia has a Goods and Services Tax (GST) of 10% on most goods, services, and other items sold or consumed in the country. Some exceptions include basic food items, education, and healthcare services. As a consumer, you’ll usually find that the prices displayed include GST.
Opening a Bank Account
Having a local bank account is essential for managing your finances in Australia. You can choose from several major banks, such as Commonwealth Bank, Westpac, ANZ, and National Australia Bank (NAB), as well as smaller banks and credit unions. To open an account, you’ll need to provide identification documents, such as your passport and visa, and your TFN if you have one.
Types of Bank Accounts
There are various types of bank accounts available, including:
- Transaction accounts: Also known as everyday or checking accounts, these are used for day-to-day transactions like receiving your salary, paying bills, and making purchases with a debit card.
- Savings accounts: These accounts offer higher interest rates than transaction accounts, making them suitable for saving money and building an emergency fund.
Managing Your Superannuation
Superannuation, or “super,” is a long-term savings plan designed to provide income for your retirement. In Australia, employers are legally required to make contributions to your superannuation fund, typically at a rate of 10% of your salary. As a new migrant, it’s essential to understand how super works and choose a suitable fund.
There are various types of super funds, including industry funds, retail funds, and self-managed super funds. Each fund has its own investment options, fees, and performance history.
To choose the right super fund, consider factors such as fees, investment options, performance, and insurance coverage. Once you’ve selected a fund, provide your employer with your chosen fund’s details so they can make contributions on your behalf. Keep in mind that you can consolidate your super into a single fund if you change jobs or have multiple funds to avoid paying unnecessary fees.
Building a Budget and Saving for the Future
Creating a budget is a crucial step in managing your finances effectively. A budget helps you track your income and expenses, set financial goals, and identify areas where you can save money. Here are some tips for building a budget:
- Identify your sources of income, including salary, investment income, and government benefits.
- List your essential expenses, such as housing, utilities, groceries, and transportation.
- Include discretionary expenses, such as entertainment, dining out, and shopping.
- Set aside a portion of your income for savings, investments, and an emergency fund.
- Regularly review your budget and adjust as necessary to stay on track.
By following a budget and saving money, you’ll be better prepared for your future in Australia, whether that involves buying a home, investing, or planning for retirement.
Understanding the Australian taxation system and managing your finances effectively is crucial for a successful transition as a new migrant. By familiarizing yourself with the tax system, opening a bank account, managing your superannuation, and creating a budget, you’ll be well on your way to building a secure financial foundation in your new home. If you need assistance with your migration journey, book a consultation with one of our expert Migration Consultants to ensure a smooth and successful transition.
|
finance
|
https://www.northoaklandmichigandivorcelawyer.com/free-article-index/qdros
| 2024-02-23T14:32:35 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474412.46/warc/CC-MAIN-20240223121413-20240223151413-00594.warc.gz
| 0.964384 | 1,078 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__147379629
|
en
|
I am a family law attorney, also known as a divorce lawyer, in the Rochester Hills area of Oakland County Michigan. I recently had a discussion with Mr. Robert Treat of QDRO Express regarding an interesting and novel way of using a Qualified Domestic Relations Order (QDRO) that he proposed.
Typically a QDRO is used to divide a qualified retirement plan when parties get divorced. Retirement plans, even though named or earned through the employment of one spouse, are considered marital property to be divided. Typically they are divided equally by the parties. In order to divide the plans, the court will enter a QDRO which then goes to the plan administrator who will then essentially create two separate accounts, one for the employee spouse, typically called the participant, and one for the other spouse, typically called the alternate payee.
May a court or a family law attorney use a QDRO to create a lien on the participant or alternate payee spouse's share of the retirement to enforce a financial obligation owed as a result of the divorce judgment?
The standard answer would be no, one cannot create a lien against a person's qualified retirement plan or benefits. However, that is not really true. In the case of a divorce the QDRO can be used in this manner to enforce such an obligation.
The best way to discuss this is probably to use an example. Say that a spouse is ordered to assume a credit card debt of $20,000 that is jointly titled in the name of both parties, call that spouse the “paying” spouse. The paying spouse is ordered to pay that within three (3) years of the divorce. However, given the lack of trust on the part of the other spouse (non-paying spouse), he or she is rather concerned that the other spouse will not pay the bill or file for bankruptcy. I know, hard to imagine that there is a lack of trust between parties going through a divorce.
If the paying spouse does not pay or files for bankruptcy, then the credit card company has the right to seek payment from the non-paying spouse and will probably sue the non-paying spouse for the balance of the debt, plus interest and attorney fees. The credit card company is not bound by the judgment of divorce and in the case of a bankruptcy the non-paying spouse may have no recourse against the paying spouse.
One innovative way to protect the non-paying spouse is to use a QDRO to create a lien against the paying spouse's share of the retirement accounts after it has been divided by the original QDRO. That is to say, first use a QDRO to split the retirement account into two separate accounts and then use a second QDRO (authorized by the judgment of divorce) to create a lien against the paying spouse's separate share of the original retirement account.
This can be done because the QDRO is issued incident to a divorce judgment or separation agreement and therefore it is an exception to the rule that one may not create a lien against such an account. The family law attorney, divorce lawyer, would have to indicate in the judgment that the non-paying spouse should have a lien against the paying spouse's share of the retirement accounts that may be accomplished through the use of a QDRO.
The language of the judgment and the QDRO should be specific. In this example, one would indicate that the non-paying spouse has a lien and security interest in the paying spouse's share of the retirement account to secure payment as well as any interest and penalties within three (3) years from the date of the judgment of divorce (use the actual date). This is the language that is the mechanism by which the lien is created.
If the paying spouse has not paid that amount in full within three (3) years, the non-paying spouse may request that the family law court issue an order that the paying spouse has defaulted and said order shall include the amount that is in default. It should indicate what the non-paying spouse must provide the court to obtain this order and that the court shall issue the order immediately upon this proof being provided to the court. The non-paying spouse then sends this order to the plan administrator and the plan transfers the proper amount to the non-paying spouse out of the paying spouse's share of the retirement benefits.
Finally, the judgment should contain a release clause for when the lien created by the QDRO will be released so that the paying spouse may start withdrawing funds from his or her share of the retirement accounts.
This approach works on many different levels. If the paying spouse files for bankruptcy, then most likely the lien will not be discharged in bankruptcy. The paying spouse cannot take a loan against the account in the meantime nor withdraw funds from the account. The non-paying spouse does not have to seek to collect from whatever remaining assets the paying spouse has left to indemnify the non-paying spouse for this debt. Finally, it streamlines the process for the non-paying spouse to obtain relief in these all too common situations. This can also be used to secure spousal support (alimony) payments, child support obligations or any other type of financial obligation that might be created in a judgment of divorce.
|
finance
|
https://mynwarealtor.com/lower-your-home-insurance-costs
| 2023-12-04T13:55:16 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100529.8/warc/CC-MAIN-20231204115419-20231204145419-00128.warc.gz
| 0.941858 | 338 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__227715818
|
en
|
There are some simple steps you can take to lower your home insurance costs.
You can’t buy a home without purchasing insurance first, but that doesn’t mean you’re stuck with the insurance provider you’re currently with. Make sure you compare different companies and find the best deal. Check consumer guides, ask friends and neighbors and search online insurance quote services, which will give you an idea of price ranges and tell you which companies have the lowest prices.
Bundle your insurance
Many insurance companies will offer discounts if you package multiple policies, such as your car, boat and home insurance. On average, one can save 5 to 15 percent.
Installing carbon monoxide detectors, smoke detectors and alarm systems can reduce your monthly bill, but you need to let your insurance agent know about any changes you make. Also, ask your insurance agent what steps you can take to make your home more resistant to natural disasters. You may be able to save on your premiums by adding storm shutters, reinforcing your roof or buying stronger roofing materials.
Increase your deductible
By raising your deductible, your monthly costs can decrease as much as 5 to 10 percent.
It’s not necessary to insure a house for the amount it was purchased for. Even if your house were to completely burn down, you’d still have the land, so consider that when deciding the total amount you need to insure. A good insurance agent will be able to help you calculate the proper replacement cost of the house.
It’s also wise to talk with your real estate agent and see if they have any thoughts on how to lower the cost.
|
finance
|
https://paradiseagency.com/sample-page/payment-options/
| 2023-12-05T08:57:01 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100550.40/warc/CC-MAIN-20231205073336-20231205103336-00773.warc.gz
| 0.918063 | 137 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__72517504
|
en
|
Paradise Agency, LLC provides current residents several options for easy and timely rent payments.
Visit our location during business hours:
Weekdays: 8 am – 5 pm
Closed Saturday and Sunday
Payment by mail:
Paradise Agency, LLC
P.O. Box 175
Colchester, Connecticut 06415
Payment by credit card:
Call us at (860) 537-7044
We accept all major credit cards and debit cards
Be sure to have your credit card or debit card handy when you make the call. We will be happy to mail you your payment receipt if you request it at the time of your call.
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finance
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https://www.rittenhouselaw.com/practice-areas/
| 2023-12-04T03:04:08 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100523.4/warc/CC-MAIN-20231204020432-20231204050432-00536.warc.gz
| 0.945936 | 167 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__159325941
|
en
|
Rittenhouse Law represents developers, investors, family offices and privately held companies in a wide variety of commercial real estate transactions. Our attorneys have extensive experience representing clients in the acquisition, disposition, leasing, development, financing, and construction of projects across a multitude of asset classes, including residential, office, retail, industrial, condominium and senior housing. Our team regularly structures sophisticated joint ventures, partnerships and historic tax credit deals.
Rittenhouse Law represents banking institutions and private lenders in the financing of commercial real estate, including acquisition, construction and permanent debt, as well as mezzanine, bridge and other structured finance products. Our lawyers routinely represent banks and lenders in business banking, warehouse lending and similar facilities. Our firm also counsels financial institutions in creditor’s rights, and the workout and restructuring of debt instruments.
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finance
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https://canyonplumbers.com/financing/
| 2023-11-29T05:40:58 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100056.38/warc/CC-MAIN-20231129041834-20231129071834-00368.warc.gz
| 0.938749 | 246 |
CC-MAIN-2023-50
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webtext-fineweb__CC-MAIN-2023-50__0__252487804
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Why Finance Your Next Service?
While most routine plumbing, heating, and evaporator cooling services can typically be paid outright and out of pocket, there may be bigger services that are just as important, but require more of an investment. That’s when our flexible financing options come in handy!
Financing is especially helpful for major projects like bathroom remodels, whole-home repiping, and boiler replacement. When you need a toilet replaced or heat installed in the middle of winter, financing can help you get the services you need as soon as you need.
Flexible financing through Wisetack
- Short application-takes just a minute to see your options
- Checking your options does not affect your credit score
- Terms from 3 to 60 months
- APR from 0% to 29.9%
- No prepayment penalties, origination fees, or compounding interest
Example: a $2,000 purchase could cost $90.40 a month for 24 months, based on a 7.9% APR. All loans are subject to credit approval. Your terms may vary. Wisetack loans are issued by Hatch Bank. See wisetack.com/faq
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finance
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https://clubvolvo.ro/de-ce-opiunea-de-vanilie-712067.php
| 2021-12-05T17:59:46 |
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| 0.750966 | 2,427 |
CC-MAIN-2021-49
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webtext-fineweb__CC-MAIN-2021-49__0__172730923
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en
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Dar opțiunea iq opțiune binară în Optiuni
Option contracts traded on futures exchanges are mainly American-style, whereas those traded over-the-counter are mainly European. Nearly all stock and equity options are American options, while indexes are generally represented by European options.
Commodity options can be either style.
Dacă crezi că acest mesaj a fost afișat din greșeală, te rugăm să ne scrii la support iqoption. Sistemul de asistență pentru clienți cuprinde și oferă o calitate superioară clienților care ar avea nevoie de aceasta. Informații despre broker opțiune IQ Măsura de criptare nu ar crea nicio formă de complicație pentru clienți, dar ar face extrem de dificilă și imposibilă efectuarea de acțiuni neautorizate în contul dvs. IQ Opțiune El a avut grijă de confortul utilizatorilor intrări cu valoare estimată ridicată tranzacționare criptografică deja la începutul întâlnirii. Pentru comercianții care rulează contul real și care caută un upgrade la VIP, este de obicei un proces câștiga bani online de la domiciliu gratuit care de ce opțiunea de vanilie fi indicat tranzacționare live criptomonedă gratuită ce depozitul dvs.
Expiration date[ edit ] Traditional monthly American options expire the third Saturday of every month. They are closed for trading the Friday prior.
Option style - Wikipedia
European options expire the Friday prior to the third Saturday of every month. Therefore, they are closed for trading the Thursday prior to the third Saturday of every month.
- Теперь у нее была другая функция: любой турист, входящий в собор, должен купить билет.
- Opțiuni binare o tranzacție pe zi
- Lumânare Parfumată Bicolor - Selectați opțiunea dvs Iasomie/Vanilie
- Tehnologii elementare pentru tranzacționarea opțiunilor
- И пойдет на все, лишь бы эта информация не вышла из стен Третьего узла.
- Сьюзан шумно вздохнула.
Difference in value[ edit ] Assuming an arbitrage-free market, a partial differential equation known as the Black-Scholes equation can be derived to describe the prices of derivative securities as a function of few parameters. Under simplifying assumptions of the widely adopted Black modelthe Black-Scholes equation for European options has a closed-form solution known as the Black-Scholes formula.
In general, no corresponding formula exist for American options, but a choice of methods to approximate the price are available for example Roll-Geske-Whaley, Barone-Adesi and Whaley, Bjerksund and Stensland, binomial options model by Cox-Ross-Rubinstein, Black's approximation and others; there is no consensus on which is preferable.
An investor holding an American-style option and seeking optimal value will only exercise it before maturity under de ce opțiunea de vanilie circumstances. Owners who wish to realise the full value of their option will mostly prefer to sell it on, rather than exercise it immediately, sacrificing the time value.
Features[ edit ] A straight call or put option, either American or Europeanwould be considered non-exotic or vanilla option.
If it is worth more, then the difference is a guide to the likelihood of early exercise. In practice, one can calculate the Black—Scholes price of a European option that is equivalent to the American option except for the exercise dates of course.
The difference between the two prices can then be used to calibrate the more complex American option model. To account for the American's higher value there must be some situations in which it is optimal to exercise the American option before the expiration date.
This can arise in several ways, such as: An in the money ITM call option on a stock is often exercised just before the stock pays a dividend that would lower its value by more than the option's remaining time value.
A put option will usually be exercised early if the underlying asset files for bankruptcy. An American bond option on the dirty price of a bond such as some convertible bonds may be exercised immediately if ITM and a coupon is due. A put option on gold will be exercised early when deep ITM, because gold tends de ce opțiunea de vanilie hold its value whereas the currency used as the strike is often expected to lose value through inflation if the holder waits until final maturity to exercise the option they will almost certainly exercise a contract deep ITM, minimizing its time value.
This is intermediate between a European option—which allows exercise at a single time, namely expiry—and an American option, which allows exercise at any time the name is jocular: Bermudaa British overseas territoryis somewhat American and somewhat European—in de ce opțiunea de vanilie of both option style and physical location—but is nearer to American in terms of both. For example, a typical Bermudian de ce opțiunea de vanilie might confer the opportunity to enter into an interest rate swap.
The option holder might decide to enter into the swap at the first exercise date and so enter into, say, a ten-year swap or defer and have the opportunity to enter in six months time and so enter a nine-year and six-month swap ; see Swaption: Valuation. Most exotic interest rate options are of Bermudan style. Canary option[ de ce opțiunea de vanilie ] A Canary option is an option whose exercise style lies somewhere between European options and Bermudian options.
The name refers to the relative geography of the Canary Islands.
Typically, the holder can exercise the option at quarterly dates, but not before a set time period typically one year has elapsed. The ability to exercise the option ends prior to the maturity date of the product. The term was coined by Keith Kline, who at the time was an agency fixed income trader at the Bank of New York.
Capped-style option[ edit ] A capped-style option is not an interest rate cap but a conventional option with a pre-defined profit cap written into the contract.
- Nu ai timp pentru a face bani
- Tranzacționare opțiuni binare | Dukascopy Bank
- Его план не сработал.
- Дрожащей рукой он дал команду вывести на экран последнее сообщение.
- Diferența dintre opțiunea binară și forex
- Exotic option - Wikipedia
A capped-style option is automatically exercised when the underlying security closes at a price making the option's mark to market match the specified amount. Compound option[ de ce opțiunea de vanilie ] A compound option is an option on another option, and as such presents the holder with two separate exercise dates and decisions. If the first exercise date arrives and the 'inner' option's market price is below the agreed strike the first option will be exercised European stylegiving the holder a further option at final maturity.
Shout option[ edit ] A shout option allows the holder effectively two exercise dates: during the life of the option they can at any time "shout" to the seller that they are locking-in the current price, and if this gives them a better deal than the payoff at maturity they'll use the underlying price on the shout date rather than the price at maturity to calculate their final payoff.
Double option[ edit ] A double option gives the purchaser a composite call-and-put option an option to either buy or sell in a single contract. This has de ce opțiunea de vanilie ever been available in commodities markets and have never been traded on exchange. Swing option[ edit ] A swing option gives the purchaser the right to exercise one and only one call or put on any one of a number of specified exercise dates this latter aspect is Bermudan.
Penalties are imposed on the buyer if the net volume purchased exceeds or falls below specified upper and de ce opțiunea de vanilie limits. Allows the buyer to "swing" the price of the underlying asset.
Primarily used in energy trading. Evergreen option[ edit ] An Evergreen option is an option where the buyer has the right de ce opțiunea de vanilie exercise by providing a pre-determined period of notice. This option could be either American or European in nature or alternatively it could be combined with option styles that have non-vanilla exercise rights. Evergreen options provide sellers with a period of time to prepare for settlement once the buyer has exercised de ce opțiunea de vanilie rights under the option.
Embedding evergreen optionality within on and de ce opțiunea de vanilie sheet products can enable counterparties such as banks that must adhere to Basel III to lengthen their inflow or outflow obligations. The pricing of such options naturally needs to take into account FX volatility and the correlation between the exchange rate of the two currencies involved and the underlying stock price.
Quanto option[ edit ] A quanto option is a cross option in which the exchange rate is fixed at the outset of the trade, typically at 1.
Exchange option[ edit ] An exchange option is the right to exchange one asset for another such as a sugar future for a corporate bond.
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finance
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https://www.dzconnex.com/blog/strategies-for-optimizing-your-workforce-costs-with-effective-payroll-management
| 2024-04-12T14:57:47 |
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In today's competitive business landscape, optimizing workforce costs while maintaining efficiency and compliance is a balancing act that requires strategic planning and innovative solutions. Effective payroll management emerges as a critical component in this equation, offering businesses the leverage to streamline operations, reduce administrative burdens, and ensure a happy, motivated workforce. This article delves into the nuances of payroll management, highlighting the role of Managed Services Providers (MSPs) and introducing DZConneX as a pivotal player in transforming payroll processes.
The Essence of Effective Payroll Management
1. Understanding Payroll Management's Impact on Workforce Costs
Payroll management extends beyond mere calculation and distribution of wages; it's a comprehensive approach that encompasses tax withholdings, benefits administration, and compliance with labor laws. The efficiency of your payroll system directly influences your company's financial health, employee satisfaction, and regulatory compliance. An optimized payroll process ensures that your workforce costs are aligned with your financial goals, minimizing errors and delays that could lead to dissatisfaction or penalties.
2. Strategic Payroll Planning to Reduce Overhead
3. Leveraging Technology for Payroll Efficiency
In the digital age, leveraging technology is non-negotiable for optimizing payroll processes. Automated payroll systems can handle complex calculations, tax withholdings, and compliance requirements with precision and speed. These systems reduce the likelihood of human error and free up human resources for more strategic tasks. Additionally, modern payroll solutions offer employees self-service options, enhancing transparency and satisfaction by giving them direct access to their paystubs, tax documents, and benefits information.
4. The Role of MSPs in Payroll Management
DZConneX: A Catalyst for Payroll Management Excellence
1. Comprehensive Payroll Solutions Tailored to Your Business
DZConneX stands out as an MSP that offers customized payroll solutions designed to meet the unique needs of each business. By understanding the specific challenges and objectives of their clients, DZConneX delivers a tailored approach that optimizes payroll processes, reduces costs, and enhances compliance. Their expertise extends to managing diverse workforce models, including permanent employees, freelancers, and contractors, ensuring seamless integration into the overall payroll system.
2. Technology-Driven Approach for Maximum Efficiency
3. Ensuring Compliance and Reducing Risks
4. Dedicated Support for a Seamless Payroll Experience
Advanced Strategies for Payroll Efficiency
Integration of Payroll with HR and Accounting Systems: Integrating payroll systems with human resources and accounting software can create a seamless flow of information, reduce data entry errors, and improve reporting capabilities. This integration ensures that changes in employee status, benefits enrollment, or time tracking are automatically updated in the payroll system, reducing manual intervention and increasing accuracy.
Adoption of Cloud-Based Payroll Services: Cloud-based payroll solutions offer the advantages of accessibility, scalability, and security. Companies can access their payroll systems from anywhere, easily scale up as they grow, and benefit from advanced security measures provided by cloud service providers. Moreover, cloud-based systems are often updated to reflect the latest tax rates and regulatory requirements, ensuring compliance.
Regular Audits and Process Reviews: Conducting regular audits of the payroll process can help identify inefficiencies, errors, or areas of non-compliance. These audits, whether conducted internally or by external experts, can lead to process improvements and ensure that the payroll system remains efficient and compliant with all relevant laws and regulations.
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finance
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https://www.mosaicgc.com/give/
| 2024-04-25T07:24:57 |
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GIVING TO MISSIONS
One out of every ten dollars given to Mosaic Church goes to support missions, locally and around the world. We support groups that:
- Plant churches internationally
- Feed starving children
- Minister to prison inmates
- And more!
Your gift is not only making a difference here in south Mississippi but it’s making a difference around the world!
What are Mosaic's views on giving?
Our view on giving is simple; God owns it all. We have the privilege of managing HIS money. So, we give and spend with this in mind. We give out of joy, not guilt or manipulation. We carefully budget as a church so that we use every gift to its fullest to bring people to Jesus.
What if I can't afford to give?
We want to discourage you from giving in any way that will put you in debt because giving is a spiritual discipline, not just an act of giving money. If God leads you to give sacrificially, we believe you should follow His leading, but we don’t think to give on credit is one and the same.
Which giving option should I choose?
The “General Contributions” giving option is our church operating fund and is used to finance the ongoing operations of Mosaic Church. We encourage contributors to give their tithe and offering to this fund throughout the year.
Will I receive a giving statement?
Yes, we provide giving statements annually. If you give online you can sign in and view your giving to-date.
What other ways can I give?
You can make a 1-time or schedule recurring giving on our website at mosaicgc.com/giving, through our app by clicking the “giving” tab, in-person at any one of our weekend services, or you can mail your gift to:
2016 Bienville Boulevard
Ocean Springs, Mississippi 39564 2016
Can I give assets to the church?
Yes! You can give stocks, bonds, shares, retirement assets, trusts, valuable items (vehicles, boats, jewelry, etc.) and even life insurance policies. Please contact us during business hours at (228) 875-3500 with any questions about giving assets to Mosaic Church.
Can I give if I live outside the US?
Yes! Individuals from any country can give a one time gift through our website using a credit card.
JOIN US FOR A SERVICE
Mosaic Church meets Thursdays at 7 pm and Sundays at 9 & 10:30 am in Ocean Springs. Our Harrison County Campus meets Sundays at 10:30 am. We'd love to see you this week!
Ocean Springs Campus
2016 Bienville Blvd.
Ocean Springs, MS 39564
3320 Warrior Dr
D'Iberville, MS 39540
[email protected] (228) 875-3500
GET SOCIAL WITH US!
Stay up-to-date on news, events, and stories of life change happening at Mosaic Church. Click below to connect with us on these social networks.
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finance
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https://www.dailymarketingnews.info/affiliate-marketing-tools.html
| 2019-05-20T00:46:24 |
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First off, I’m a blogger so it seems wrong not to mention it, but more importantly, it’s a legitimate way to make money. It’s quite possibly the least straight-forward way on this list, but it’s very doable and it’s also quite possibly the funnest way on this list. I love blogging and I know hundreds of bloggers who feel the same. So let’s talk about making money blogging and what it really means.
Research selling prices of items similar to yours. Look up completed sales or current listings of items similar to yours. Find the high- and low-end prices, and price your object around the median price level. If you want your item to sell quickly, price it at the low end. The condition of the item also affects the price. Items in poorer condition should be priced at the lower end. Also, consider how many listings there already are of items similar to yours. If many similar items will be competing with yours, you may have to set the price lower to get the sale.
21. Facebook – Facebook swap shops are great for selling things locally. It’s like CraigsList, but a little easier. You simply search for swap shops in your area and ask to join the group. Once you’re in, take a picture of the item, write a quick description with the price and post it. It doesn’t get much easier than that. You can generally expect to get about what you would get at a yard sale, maybe a little more.
Upwork: This website offers a great marketplace for selling just about any professional service. You don't need a merchant account, website of your own or anything else for that matter. All you need to do is be able to provide a high-quality service at a reasonable price. But be informed, you will have to compete with many others that are constantly bidding on open jobs.
Considering that you have a finite amount of time, passive income should make up a large part of your work. If you're serious about generating any semblance of income online, then passive income should be one of your sole goals and ambitions. Why? Wouldn't you prefer to do the work one time and get paid repeatedly as opposed to relying on your time to generate that income? Invest the time at the front-end so that you can reap the benefits on the back-end. This means putting in a bit of sweat equity and not getting paid today. Rather, you'll get paid somewhere down the road. And you'll continue getting paid whether you keep building that passive income stream or you stop.
While some might think that starting a blog is an arduous effort, when you understand the precise steps you need to take, it becomes far easier. It all starts in the decision of choosing a profitable niche and picking the right domain name. From there, you need to build your offers. You can easily sell things like mini-email courses, trainings and ebooks.
For years, Apple has been recognized as offering the best customer support in the industry, and there are thousands of reasons why: our customer service advisors. They’re curious investigators, technical problem solvers, and good listeners. Are you? Do you like the way it feels when you help others? Do you have the discipline to manage yourself? Can you focus in a home environment? Are you a multitasker? Are you our next At Home Advisor?
Set up the site. Choose a website building platform, such as WordPress, Joomla or Drupal. Next, choose a domain name and web hosting for your site. The domain name is your web address. Web hosting is a service that connects your site to the internet. Once you have your domain name and web hosting, go to the control panel of your hosting account and install your website platform. Design your website by choosing and installing a theme.
YouTube is constantly rolling out new features (and changing old ones). While some fundamental basics will likely stick around, like great descriptions and suitable music, other features do change and it is in your best interest to experiment with them for maximum impact. After all, YouTube put them there for a reason. For example, end screens and YouTube cards are […]
Etsy: While Etsy's popularity has declined recently, it's still a great resource for selling handmade items online. No need for complex ecommerce sites or merchant accounts or any sort of automation. The company takes a commission of every sale and charges a small listing fee per item. But many still use Etsy as their primary source of income. The best part is that you can also sell digital products on here such as poster designs.
Keep in mind though, you don’t need a website to do sponsored content since you can also get paid if you have a lot of social media followers. My wife has a pretty big Instagram following, and she gets all kinds of sponsorships. Not only does she get paid in cash, but we get a lot of free stuff, too. We’ve received free rugs, free lights, and free carpet cleaners. She only promotes things she loves though, so this strategy works really well for her.
Need more ideas on how to make money online? Another strategy is using webinars to market your product, service, or course. I’ve done webinars to promote my financial planning practice and to drum up interest in my online course for financial advisors. With a webinar, you’re basically offering a lot of tips and advice for free — usually in a live format. At the end though, you pitch your paid product or service with the goal of securing a few deals.
If you’re looking for inspiration, my friend Michelle Schroeder-Gardner of the website Making Sense of Sense has become the expert on all things affiliate marketing. Michelle earns more than $100,000 per month from her blog and the bulk of her income comes from affiliate sales. Michelle has had so much success with affiliate marketing that she even has her own course called Making Sense of Affiliate Marketing.
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finance
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http://mybusinessisworth.com/
| 2017-04-29T09:13:00 |
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Many of the business owners are shocked by their business value when they decide to sell. While most have a value goal in mind, few actually determine their current value until it is too late. Set the right bench marks now with a comprehensive business valuation to ensure you meet or exceed your business value goals. Avoid the pit falls and dont leave it too late.
Businesses evolve, and now it’s more important than ever to know your true value every step of the way.
Besides being valuable information for your day-to-day operations, a thorough review and appraisal of your company will also help if you’re trying to obtain a loan, computing for executive compensation, filing for bankruptcy or divorce, or any other current and short-term business issues that need to be addressed promptly.
How Are Businesses Valued?
The valuation of businesses has grown to be both a science and an art. To arrive at a defensible business valuation an expert on valuations needs to follow the standards and norms that have been developed by experts in the business valuation field. Many well intentioned business valuation professionals fail to produce accurate and defensible valuations because they do not possess the knowledge of the “art”. The art portion of business valuation comes from the forces of the market and the constant changing dynamic of expected rate of returns for given risks.
There are several commonly accepted business valuation methodologies, the following are the most common methods: Capitalization of Earnings, Discounted Future Earnings, Adjusted Book Value, Comparable Price, Excess Earnings Capacity. The business valuation expert will carefully utilize the appropriate methods and also utilize the the applicable weights to each of the methods to arrive with a accurate and defensible business valuation.
Why Do I Need a Business Valuation?
A Business Valuation is an important tool because it helps to validate and benchmark the true worth of your company. Once you know the value of your business, you can concentrate your resources on maintaining and increasing its value.
A Business Valuation prepared by a valuation expert serves as a credible value benchmark. Our business valuations are fully documented in a detailed written report and provide you with a realistic, credible, and defensible value of your company.
Contact us to find out more about business valuations.
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finance
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https://idealabz.co.uk/2016/08/11/online-payment-collection-for-doctors/
| 2019-07-15T23:00:30 |
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|
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|
en
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PayPoing is by far one of the fastest online payment platform that offers easy-to-use & convenient solutions for patients to pay their fees with just a link.
How it works :
- PayPoing will provide you a unique payment link. All you need to do is share the link with your patients via sms, whatsapp or any other communication app that connects you with them. The patients can visit the link and make the payment via their preferred mode of payment. Eg: Credit Card, Debit Card, Net Banking, Wallets and other methods.
- You can also place a QR code at your billing desk. Patients can simply scan the QR code and make the payment through a mode of payment of their choice.
- You will receive an SMS confirmation for every successful payment on the mobile number registered by you with PayPoing.
PayPoing is a seamless payment solution, that consolidates all methods of payment onto one single platform to make transactions easier between all medical practitioners / doctors and patients.
It is available to you at the most competitive pricing of Rs. 1000 per year for unlimited transactions.
Fill in your details below, we’ll get in touch with you shortly!
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finance
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https://www.thefreshwriting.com/ways-to-pay-off-debt/
| 2024-04-23T02:43:29 |
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Mounting debt can be a looming shadow over anyone’s financial well-being, casting doubt, stress, and uncertainty into daily life. Whether through unexpected emergencies, educational investments, or a series of unfortunate financial decisions, debt can accumulate rapidly, becoming a persistent burden that hinders growth, stability, and peace of mind. It is a complex issue that many face, but it is by no means an insurmountable one.
The journey to becoming debt-free is not a sprint but a carefully planned marathon. It involves understanding the nature of the debt, creating a strategy tailored to individual needs, and following through with dedication and discipline. The process might seem overwhelming at first, but like any complex problem, it becomes more manageable when broken down into specific, actionable steps. By assessing the situation with clarity and attacking the debt with precision, one can navigate the path towards financial freedom.
This article provides strategies to pay off debt swiftly and easily. These are not merely theoretical concepts but tried-and-true methods that have helped many reclaim control over their financial lives. From understanding the psychology of debt repayment to leveraging unique financial techniques, these strategies aim to equip you with the tools needed to erase debt and build a stable, prosperous future. As we delve into each strategy, remember that the path to debt freedom is unique to each individual, and personalization of these methods will yield the best results.
1. The Snowball Method
The Snowball Method is a tried-and-true approach to tackle debt by focusing on smaller amounts first. By listing debts from smallest to largest and clearing the smallest ones first, you get a sense of achievement early on. This strategy gives a boost to morale and helps keep the momentum going. As each small debt gets cleared, you gain more confidence and are further motivated to tackle the next one, creating a cascading effect toward the larger debts.
2. The Avalanche Method
The Avalanche Method, by contrast, requires a strategic focus on debts with the highest interest rates. By attacking these debts first, you prevent larger interests from accruing over time. Though it may seem daunting initially, especially if the highest interest debt is a significant amount, the long-term savings in interest make this method highly efficient and economical in the grander scheme of things.
3. Establish a Clear Budget
A well-defined budget is akin to a roadmap. By determining where your money goes each month, you can discern potential savings and unnecessary expenditures. A clear budget helps in streamlining expenses, ensuring you don’t spend on frivolities. Furthermore, a budget isn’t just a tool for tracking; it’s a blueprint for financial freedom. Adhering to it ensures you always remain on the right path.
4. Harness Extra Income Streams
The digital age offers numerous opportunities to supplement primary income sources. Whether you’re freelancing, tutoring, selling crafts online, or renting out space, every extra penny can significantly bolster your debt repayment strategy. Dedicating even a fraction of this additional income to your debt can exponentially hasten the debt-clearing process, offering relief sooner than anticipated.
5. Curtail New Debt
As you navigate the pathway out of debt, vigilance is paramount. Ensure you’re not offsetting your progress by accumulating fresh liabilities. Practising restraint, especially with tempting credit offers, can seem challenging, but the long-term benefits are well worth the discipline. Adopting this preventive approach ensures that you are genuinely moving forward, not just running in place.
6. Negotiate Your Rates
Communication can often yield unexpected benefits. Reaching out to your creditors, especially if you’ve been consistent with payments, can sometimes result in negotiated interest rates. Even a minor rate reduction can translate to significant savings over time. This proactive approach showcases responsibility and may lead creditors to be more accommodating.
7. Debt Consolidation
Juggling multiple debts can be not just financially draining but also mentally taxing. Consolidation offers an elegant solution, combining various debts into one manageable monthly payment, often with a reduced interest rate. This simplicity can make budgeting easier, and the reduced interest can lead to faster debt elimination.
8. Allocate Windfalls Strategically
Unexpected financial bonuses, whether tax returns, work bonuses, or even gifts, can significantly aid your debt-clearance journey. Instead of splurging, channelling these funds toward your debts can reduce your financial burdens. Allocating these unexpected boosts to debt not only hastens relief but also reinforces responsible financial habits.
9. Limit Luxuries
Everyday luxuries, enjoyable as they are, can accumulate over time. Temporarily cutting back on non-essentials can free up funds for debt repayment. This isn’t about denying oneself but rather prioritizing financial freedom over short-term pleasures. As debts decrease, there’ll be ample opportunity to indulge without financial guilt.
10. Stay Financially Educated
In the evolving landscape of finance, continuous learning is invaluable. By staying updated with current financial trends, tools, and best practices, you can optimize your debt repayment strategy. Financial literacy not only equips you to tackle current debts but also empowers you to make informed decisions in the future, safeguarding against potential pitfalls.
11. Emergency Funds
While channelling funds toward debt is crucial, setting aside a safety net is equally vital. Life’s unpredictability can bring about unexpected expenses, and without a buffer, you might find yourself plunging deeper into debt. An emergency fund acts as a shield, ensuring that unforeseen events don’t derail your progress.
12. Spending Habit Analysis
Reflecting on our spending habits can provide illuminating insights. With numerous digital tools available, it’s easier than ever to track and evaluate our expenditures. Identifying patterns, especially impulsive or frivolous spending, can guide corrective measures. This heightened awareness ensures every dollar is spent wisely and purposefully.
13. Ditch the Credit Cards
Credit cards, if mismanaged, can quickly exacerbate debt situations. If you’re susceptible to overspending, consider reducing your reliance on them. Opting for cash or debit transactions can instil a tangible sense of spending, fostering more judicious purchasing decisions. Over time, this can cultivate a more disciplined and sustainable financial mindset.
14. Seek Expert Guidance
Financial terrains can be intricate. Enlisting the expertise of financial advisors or credit counsellors can offer tailored guidance, shedding light on potential avenues or strategies previously overlooked. These professionals can demystify complexities, providing clarity and actionable steps toward debt freedom.
15. Join Debt Support Groups
Debt, while primarily financial, also carries an emotional weight. Connecting with others on similar journeys can offer solace and solidarity. These support groups, both online and offline, provide a platform to share stories, strategies, and successes. Collective wisdom and mutual encouragement can make the journey less isolating and more empowering.
Debt, while intimidating, is not insurmountable. With the right strategies in place, even the most daunting financial burdens can be methodically and effectively tackled. The journey to debt freedom requires patience, discipline, and a commitment to informed decision-making. By integrating the strategies outlined above, not only can one navigate the path out of debt but also cultivate habits that ensure sustained financial health in the future. Remember, every step taken toward reducing debt is a step closer to achieving financial freedom and peace of mind. Your future self will thank you for the decisions and efforts you make today.
|
finance
|
https://www.invisibleangels.org/donate-1
| 2023-09-30T16:08:15 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510697.51/warc/CC-MAIN-20230930145921-20230930175921-00636.warc.gz
| 0.925354 | 198 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__126095943
|
en
|
Partner With Invisible Angels
All gifts to Invisible Angels are tax deductible to the full extent allowed by law. Our Board-approved policy is that all gifts designated for a specific project be applied to the project, with up to 10% used for administrative and fund-raising expenses. Occasionally we receive more contributions for a given project than can wisely be applied to that project. When that happens, we use these funds to meet a similar pressing need. We do not provide goods or services in consideration for contributions. Descriptions of Invisible Angel’s programs and activities, and its audited financial statements, are available upon request. Contributions are solicited with the understanding that Invisible Angels has complete control over the use of all donated funds.
A copy of the official registration and financial information may be obtained from the division of consumer services by calling toll-free within the state. Registration does not imply endorsement, approval, or recommendation by the state.
|
finance
|
http://www.fphs.org/donations/
| 2017-06-24T20:40:57 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-26/segments/1498128320338.89/warc/CC-MAIN-20170624203022-20170624223022-00026.warc.gz
| 0.907917 | 205 |
CC-MAIN-2017-26
|
webtext-fineweb__CC-MAIN-2017-26__0__195013318
|
en
|
Family Planning Health Services gratefully accepts all monetary donations. In these tough economic times, we see more and more people in need. At the same time, our programs are looking at funding decreases. We appreciate any and all donations to help FPHS continue its mission to serve our communities with high quality affordable care.
All donations you make will be used to provide quality reproductive health care and WIC nutrition services to area families. Donations have always been greatly appreciated and at this time will help us to maintain our services. Our thank you letter listing your donation will suffice for tax purposes.
How to Donate
Send a check to:
Family Planning Health Services
Attn: Nina Parks
719 N 3rd Ave
Wausau, Wisconsin 54401
Make checks payable to FPHS.
Please make sure to write the word donation on your check.
please call 800-246-5743 and ask for Nina Parks, Finance Specialist.
She will take your information and facilitate your donation.
|
finance
|
https://wsum.network/2021/05/26/balancer/
| 2022-01-17T09:41:50 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-05/segments/1642320300533.72/warc/CC-MAIN-20220117091246-20220117121246-00097.warc.gz
| 0.909497 | 1,074 |
CC-MAIN-2022-05
|
webtext-fineweb__CC-MAIN-2022-05__0__205792828
|
en
|
Balancer is a multi-token automated market maker (AMM) that operates as a self-balancing weighted portfolio protocol, liquidity provider, and price sensor. Built on the Ethereum blockchain, Balancer allows users to create or add liquidity for multiple assets simultaneously to customizable pools. The users earn trading fees in form of Balancer’s native token Balancer token (BAL).
Balancer operates like an index fund – digital assets are regularly reallocated based on their prices and returns. Like an index fund, Balancer provides crypto traders with a tool to deploy risk diversification through a controlled risk exposure to their crypto portfolio.
Balancer was launched in March 2020 by Fernando Martinelli and Mike McDonald of Balancer Lab. The platform started as a research program at BlockScience, a software company, in 2018. The Balancer Lab Comprises a team of like-minded fellows with in-depth knowledge of the DeFi ecosystem. The team leaders are:
- Fernando Martnelli: A highly experienced entrepreneur and member of the Maker community. Martinelli has worked on several projects before partnering with McDonald for Balancer.
- Mike McDonald: Balancer co-founder and an experienced security engineer and creator of mkr.tools. McDonald currently serves as Balancer’s CTO.
- Kristen Stone: Formerly product manager at Coinbase, Stone has over five years of experience working in the crypto industry. She currently serves as the COO at Balancer.
- Timur Badretdinov: Balancer’s front-end developer and founder of Longcaller, a cryptocurrency review and educational content platform.
Balancer deploys a mathematical pricing algorithm to price assets, rendering the order book redundant. A liquidity provider deposits their assets into a liquidity pool known as a Balancer pool. Unlike in other AMMs, one Balancer pool can hold two to eight tokens. The pool creator can deposit the tokens partially or fully then proceed to set the ratio for each token and the trading fees applied for the Balancer pool.
After a trade, the AMM protocol readjusts the number of tokens to maintain the weighted value of tokens in the pool. Take a pool with four tokens.When a trade causes the price of one token to go up, the Balancer pool triggers a rebalancing that will deduct the number of tokens from the pool until the weighted value is reset.
With its AMM, Balancer users do not rely on any intermediary to facilitate trades. Balancer trades are directly between the self-custody transacting wallets. Anyone with a supported wallet can access Balancer, without special permissions.
Balancer’s other feature is the Smart Order Router (SOR). The SOR optimizes trading to ensure users get the best price based on the number of tokens traded, fees, and gas costs. The SOR will return a list of pools and the number of tokens you should trade in each pool to get the most tokens for any trade request.
The Balancer platform has the following features:
- Custom Pool Fees: Balancer’s transaction feesare as low as 0.0001%, incentivizing competitiveness for pools thereby significantly driving down transaction costs.
- Multiple Token Support: Balancer pools hold up to eight tokens. However, pools with uneven weights have more negative slippage and consequently, lower trading volume.
- Accessible Token Trading: There are no formal procedures for listing a token on Balancer. The platform allows users to trade tokens that do not appear on the exchange’s list via users’ wallet addresses.
- Balancer Pools: Balancer supports three main types of pools; Public pools, private pools, and smart pools.
In a public or shared pool, any user can deposit or withdraw digital assets to the pool to provide liquidity. All parameters in a public pool are set before launching and remain immutable afterward.
A private pool is created by a single user and only they can provide liquidity to the balancer pool. The pool creator has to control over the fees, the weighted value of tokens, and the type of tokens that are traded in the pool.
Smart pools are private pools owned by smart contracts. The pools can be programmed to perform unique functions like changing token weights in the pool.
BAL token is also Balancer’s governance token, which holders can apply to set features such as issuance rewards and whitelisted pools for liquidity mining.
As of May 2021, Balancer is the 12th largest DeFi project with $1.76 billion in total value locked (TVL). Following the success of Compound’s governance token, COMP, Balancer launched BAL to decentralize the network further and incentivize liquidity providers.
BAL has a maximum supply of 100 million tokens with 6.9 million in circulating supply. The token ranks 145th with a market cap of $253 million.
Users can earn BAL by providing liquidity to pools. Alternatively, you can buy BAL from any of the top exchanges that offer BAL trading pairs. Among the top exchanges are Coinbase Pro, Binance, Huobi Global, and Kraken.
Learn more here:
|
finance
|
http://debgerber.com/buyers/buyers-guide/
| 2023-09-27T05:02:27 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510259.52/warc/CC-MAIN-20230927035329-20230927065329-00302.warc.gz
| 0.971679 | 849 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__165751876
|
en
|
Hey, you’re lucky! I’m not going to get into the actual loan products, rates, terms, conditions, etc. because these change every day. Instead, let’s call this an introductory lesson in understanding why you need to get pre-approved to buy a home.
When you get to this page, you have already gone through many steps in the home buying process, but you’d be surprised at how many home buyers skip the loan application step and go right to making an offer on a home. What happens is that failing to qualify for a home loan is the most frustrating reason that such offers fall apart. And, it could’ve been prevented.
Would you go to the clothing store, spend hours trying on clothes, seeking what you wanted and then later wonder if you had the money to pay for it? I don’t think so. You would know that you had cash or a credit/debit card before you began the clothes-trying-on process. It’s the same thing when buying a home.
What I’ve learned is…
Every buyer is uncomfortable discussing their personal financial situation, and
An offer to buy a home without being pre-approved is a very weak offer.
If you wish to buy a home, you’re going to have to discuss your finances, because no one can buy a home without a financial disclosure.
When first meeting you, I will question you about your financial qualifying, but I won’t delve into it, because I don’t personally need to know your entire income, expense or credit history. But, I do need to be assured that you are taking steps to become financially qualified by a lender to buy a home before we actually go shopping. Which brings me back to the second thing I’ve learned.
Making an offer when you have a commitment letter or pre-approved letter in hand is the same as making a cash offer. Sellers weigh offers based on the buyer’s financial strength to actually complete the transaction. A letter of commitment tells the seller that you can buy the home. This is the best negotiating position you can be in.
Remember, there is a big difference between pre-qualification and pre-approval. When getting pre-approved, you submit information and figures to a loan officer who then calculates for you a specific home loan dollar amount that you should qualify for. Pre-approval means all of this plus the loan officer has confirmed credit history, income verification, as well as assets, liabilities and sources of down payment funds.
If you do not have a relationship with a mortgage company, I can be of help to you by recommending lenders who provide excellent service and who I like and trust. You, of course, have no obligation to use any lender that I recommend, but over the years, I have developed very close relationships with lenders who have proved themselves in every aspect and who are extremely reliable and competent. I have learned that it is best to get pre-approval through one of my successful, helpful loan officers first. Once that is completed, you may want to shop loan rates, terms and programs.
Reasons I recommend certain lenders over others are:
Reliability. The loan officer has performed consistently over many years.
Timeliness. In purchasing real estate, time is of the essence in several ways. I want to use a lender who is able to produce and complete loan documents in a timely fashion and meet all crucial deadlines.
Competitive Rates. I know of certain lenders who will consistently quote the most competitive rates and match competing loan products.
Service. I only use lenders who have demonstrated an unwavering commitment to provide my clients with the highest level of personal service.
These are just a few of the benefits I can provide you by recommending specific lenders. Of course, there is no obligation on your part to use them, but you certainly want to allow them the opportunity to earn your business. Feel free to contact me directly for the names and numbers of my recommended lenders. This is just another service I provide to be the right one.
|
finance
|
https://www.spacreekhealth.com/insurance-faqs/
| 2023-12-11T08:47:19 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679103810.88/warc/CC-MAIN-20231211080606-20231211110606-00434.warc.gz
| 0.960084 | 1,854 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__126551147
|
en
|
Spa Creek Dental is considered an out-of-network provider and we will be happy to bill a claim to your insurance company if your plan offers out-of-network benefits. Spa Creek Dental is not in-network with insurance plans and is not a Medicaid or Medicare provider.
It means that we are not an “in-network” provider. Insurance companies have control over the fees of “in-network “providers. Since we don’t want them to control what we offer, we do not participate as an in-network provider for any insurer’s networks. Many insurance companies do provide coverage for out-of-network providers like us, but it is often limited, and we would have to do some research to get an estimate of what the coverage would be.
One of the best ways to gain access to see any dentist is to find a PPO dental plan that offers the highest out-of-network rates. These dental plans are sometimes classified as Full Coverage plans, Open Choice, Open Access, or Indemnity plans because they will pay a UCR (Usual Customary and Reasonable) type of payment or their “allowed amount” for out-of-network claims. HMO plans are through managed healthcare organizations and do not offer out-of-network coverage.
UCR fees are the standard fees that the insurance company gets to set for what it will reimburse providers. Insurance companies will determine a maximum amount that they will “allow” providers to charge for services. Any remainder beyond the “allowed” amount will then be charged to the patient. The price is specific to the insurance policy. Another policy with the same insurance company could set a totally different price. Allowed amounts can vary not only by policy, but also the location of the healthcare provider, their license type, and other factors.
Typically, insurance companies want to incent patients to go to in-network providers, and so insurance carriers will cover a significantly lower portion (aka “co-insurance %”) of the “allowed” amounts when they reimburse out-of-network providers like ourselves. As an example, an insurance company may have an allowed amount of $100 for an in-network service but will only cover 10% if that same service is provided by an out-of-network provider, leaving the patient responsible for the remaining $90. Therefore, patients are often surprised at how poor their coverage is, when they learn that their insurance company’s co-insurance for out-of-network is a fraction of what they are used to with in-network providers.
Many policyholders only think about the cost of medical services after the service is provided and can be caught off guard when their insurance doesn’t cover all expenses. To mitigate the possibility of a big bill, policyholders should always check with the provider to learn if they are in-network, and to understand if there will be a remainder that they could be responsible for, if the insurer does not cover all services.
When a claim is billed to insurance, they first determine whether the care is covered by the policy. If it is, the claim is then processed. The insurance will look up the amount they will allow for each CDT code on the bill based on the healthcare provider you saw and other variables. This price is then used to calculate either the amount applied to your deductible or how much money you will be reimbursed based on your co-insurance. If your co-insurance is 50% and your deductible has been met, you will be reimbursed 50 % of the allowed amount set by your insurance, not 50 % of the amount you actually paid.
For example, a patient is seen for a Comprehensive Oral Exam and $119 is billed to the insurance. If the insurance plan allows $100 for the exam and the coinsurance is 50% for in-network providers, the insurance will pay a maximum of $50 for the exam. (Providing the deductible has been met, if applicable, and the max benefit limit has not been reached.) The remaining balance of $54 would be the patient’s responsibility as determined by the insurance and the patient would be balance difference.
If, however, the insurance plan only offers a 10% co-insurance for out-of-network providers, then the insurance company will pay a maximum of $10 for the exam, and the remaining $109 will be invoiced (“balance billed” to the patient.)
One other note about allowed amounts: insurance companies usually will not disclose their allowed amounts to out-of-network providers until after the services have been provided. This makes it very difficult for providers to accurately estimate the out-of-pocket expense prior to the services being rendered. Out-of-network provider offices must often wait for multiple hours just to get an estimate on what the co-insurance will be, and still may not be given the allowed amount – making it a real challenge to get the most accurate estimate possible.
Because we are an out-of-network provider, insurance companies will not easily disclose their reimbursement rates to us. Since each plan may be different in what its allowed amounts, deductibles, and co-insurance rates may be, we typically need to call in to the provider hotlines to get an estimate. This process can take hours of time on the phone, and we often must wait multiple days to be sent an estimate.
Additionally, the estimate that is sent to out-of-network providers doesn’t usually include the allowed amount, so even after getting a response from the insurance, we typically have to guess what amount they will cover of services, making us unable to give a 100% quote on what the remainder billed to the patient will be.
One of the main differences with how out-of-network providers handle insurance payments is known as balance billing. In-network providers agree to accept an insurance company’s fee schedule and reimbursement amounts for each procedure. But because out-of-network providers have not agreed to any specific amounts, they are allowed to bill for the additional charges not covered by insurance, as in most cases, the insurance payment is not sufficient to cover the cost of services rendered.
Health insurance claims can be confusing. Many people are caught by surprise when they learn that their health insurance does not pay them back based on the amount they pay for care but the amount their health insurance believes the care should cost.
One of the best things you can do to help keep tabs on your healthcare costs is to take good, thorough notes and to be knowledgeable when it comes to your insurance benefits. Some things to consider asking when your insurance company are:
- What is my financial responsibility?
- What is my out-of-network (OON) deductible?
- What is my out-of-network (OON) cost share? (The percent you are responsible for)
5. What is my out-of-pocket maximum and how much is remaining?
- Are there any limitations and frequency restrictions on certain procedures?
- Is there a waiting period before certain procedures will be covered?
- Are there any exclusions to my insurance plan? Some plans have what’s called a “missing tooth clause” which means the insurance will not cover the costs of replacing the tooth if the tooth fell out or was extracted before the current dental coverage started.
Traditional Medicare does not cover most dental care, dental procedures, or supplies, like cleanings, fillings, tooth extractions, dentures, dental plates, or other dental devices. Medicare Part A (Hospital Insurance) will pay for certain dental services that you get when you're in a hospital. Part A can pay for inpatient hospital care if you need to have emergency or complicated dental procedures, even though it doesn't cover dental care. For example, if you suffered a traumatic injury to your teeth or jaw, Medicare would cover hospitalization and procedures medically necessary for recovery.
Spa Creek Health is a fee-for-service company. One hundred percent (100%) of our fees are communicated and agreed-upon prior to treatment. All visits are billed upon completion of treatment and are due upon receipt.
We will submit insurance claims on behalf of our patients as an out-of-network provider. All insurance estimates are an approximation of coverage, and patients are responsible for any amount not paid by their insurance company.
If you have any payment or billing questions, please call the Spa Creek Health office at
“I just returned from my mother’s dental cleaning. In the past, my wife has accompanied my mother to the dentist and assisted by keeping her calm during her exam and cleaning. Spa Creek Dental was able to perform the procedure without any help from us. I was absolutely amazed. They have a gift for working with Alzheimer’s patients, and it was a very positive experience for my mother. Thank you.”
~Michael T. Family Member
|
finance
|
https://www.communitybest.org/post/back-2-school-drive
| 2020-03-28T11:40:38 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585370491857.4/warc/CC-MAIN-20200328104722-20200328134722-00342.warc.gz
| 0.959801 | 551 |
CC-MAIN-2020-16
|
webtext-fineweb__CC-MAIN-2020-16__0__59919341
|
en
|
Back 2 School drive!
After starting 2019 with a bang - coming into existence as a 501(c)(3) nonprofit, getting to know our community, throwing our first event and raising over $70k - we entered summer ready to regroup, take our foot off the gas, and relax a bit (except all of us have kids who aren’t in school yet, so… without the relaxing part). While we are forming a committee to help figure out how to effectively distribute donations, we want to keep the momentum going.
As usual, summer went by too fast and we wanted to quickly and realistically raise money directly for the schools. One of the important things we’ve learned talking to teachers and principals is that one of the biggest financial burdens on classrooms are supplies. Meanwhile, I’m thinking of all the supply rooms in the various companies I’ve worked at with piles and piles of untouched paper, pens, markers, etc. Supplies that any classroom would LOVE to have. It seems silly that teachers are having to spend hundreds (or sometimes thousands) out of their own pocket (while many simultaneously having to work 2nd jobs) on classroom supplies for their students, many of whom qualify for free/reduced lunch (that means a household of 3 making less than $40k/yr), while tech companies are sitting on these supplies that will go unused for years. So that’s why we’re trying to spread the word on our Back 2 School drive!
We’re trying to reach as many Redwood City companies as possible to raise funds for local school supplies. In just over a week, we’ve already raised over $1,000 thanks to local companies like Highfive, Kidaptive, IMVU, and CourseHero! Our goal (and we like to dream big) is to get 50 companies to contribute, and show local students that there are people at companies who care and want to give back! Any amount donated and we’ll put your company on our donation banner, which we’re keeping up to date.
There are many ways to help without having to donate:
Share our link with your company internal chat and social networks: https://www.communitybest.org/back2school
Donate unused supplies (especially paper and ink) - just email us at [email protected]!
Share and link our Facebook page: https://www.facebook.com/UnitedWithTech/
Send us any marketing tips - we’re still trying to figure it out 🤷🏻♂️
Hope everybody stays cool in the heat, and thanks for the support!
|
finance
|
https://texassecurelife.com/retirement-strategies/
| 2024-04-19T02:33:59 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817253.5/warc/CC-MAIN-20240419013002-20240419043002-00142.warc.gz
| 0.916724 | 315 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__74083524
|
en
|
Retirement signifies the start of a unique journey, a phase where effective retirement strategies become crucial for a comfortable lifestyle. At Texas Secure Life, we're committed to creating your financial future, leveraging retirement strategies that take into account every aspect of your unique situation.
The challenge of extending your savings over decades can seem overwhelming. Our team specializes in guiding you through this process, establishing retirement strategies that can help secure your assets, shield you from financial uncertainties, and help ensure a secure future for your loved ones. We craft retirement strategies, aligning them with your individual goals.
At Texas Secure Life, we optimize your retirement by helping to coordinate your company retirement plan, IRAs, and other investments for seamless operation. We utilize a variety of investment vehicles and strategies to create a diversified portfolio for retirement, striking a balance between safety, growth, and income. This helps allow you to embrace your retirement with the peace of mind you deserve.
We understand that everyone's vision for retirement is different. Whether your retirement plan includes reducing workload, turning passions into retirement activities, exploring Texas, spending more time with family and friends, or immersing in local arts and music, we're here to customize a retirement and income plan tailored to your unique needs.
Our mission at Texas Secure Life is to simplify the complexities of retirement planning, providing you with the tools to live the retirement life you've envisioned. With our focus on retirement strategies, personalized approach, and firm commitment to your best interests, we strive to be your trusted partner throughout this exciting journey.
|
finance
|
http://www.westkilbridegolfclub.com/page.aspx?pid=6381
| 2013-05-23T19:41:46 |
s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368703728865/warc/CC-MAIN-20130516112848-00067-ip-10-60-113-184.ec2.internal.warc.gz
| 0.8935 | 279 |
CC-MAIN-2013-20
|
webtext-fineweb__CC-MAIN-2013-20__0__159296999
|
en
|
With no restrictions.
Last updated: 13.05.2013 08:27
If you would like to join us at The West Kilbride Golf Club, we have various payment options available to help spread the cost.
|Intermediate (age 29)||£585.00|
|Intermediate (age 28)||£520.00|
|Intermediate (age 27)||£455.00|
|Intermediate (age 26)||£390.00|
|Youth (age 18-25)||£325.00|
|Junior (age 15-17)||£150.00|
|Juniors (age 12-14)||£125.00|
|House and Social||£85.00*|
* House and Social memberships attract VAT
These are applicable to Ordinary, Intermediate and Youth memberships and are currently double the annual subscription. Country members are required to pay double the Ordinary subscription as their Entrance Fee. Entrance Fees can be paid over 3 years.
(You cannot join the Club as a 5-day member, you may only transfer to this category after being an Ordinary member of the Club for a specific amount of time).
Social members pay a £50.00 Entrance Fee.
~ Download a Nomination Form for membership HERE.
|
finance
|
https://www.thetwigcares.com/store/c1/Featured_Products.html
| 2024-04-16T14:39:15 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817095.3/warc/CC-MAIN-20240416124708-20240416154708-00070.warc.gz
| 0.937636 | 111 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__180017067
|
en
|
The Twig Warehouse is a ministry of Beams of Grace, Inc., a 501(c)3 charity, and we receive no government funding for our work. We rely entirely upon the generosity of individuals and organizations in our community to get and to keep our doors open and our displays stocked. If you would like to support our work, please click on an option below or mail your check to: Beams of Grace, Inc., 330 Pensacola Road., Venice, FL 34285. All gifts are tax-deductible. Thank you!
|
finance
|
https://jgsf1987.wordpress.com/2013/05/23/apple-and-taxes/
| 2019-12-09T02:33:00 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-51/segments/1575540517156.63/warc/CC-MAIN-20191209013904-20191209041904-00136.warc.gz
| 0.978844 | 242 |
CC-MAIN-2019-51
|
webtext-fineweb__CC-MAIN-2019-51__0__69449087
|
en
|
I have got to say this as candidly as I can: under no circumstances is Apple
the only company engaged in tax-dodging. While I’m not happy to know that they have been using tax shelters (especially in places like Ireland), I think that Apple
‘s actions are only a small role in a much larger problem with the American Tax System. The problem America faces in terms of lost tax revenue is the allowing of corprorations to create subsidiaries and other shadow companies as a means of moving profits away from the taxation system through several legal loopholes. Essentially what should be noted and used sparingly as a tool of legal tax avoidance has instead turned into a legalized version of tax evasion by several of America’s largest companies.
Moreover, the recent report released by the Senate about Apple’s activities should be placed in the context of doing something about reforming the tax system as a whole. This means that both the President and Congress need to do everything they can to close as many of these loopholes as possible and identify companies that do this as a way of increasing profitability. I’m for business success, but not at the expense of everyone else.
|
finance
|
https://manadvantage.com/services
| 2021-09-22T20:10:42 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780057388.12/warc/CC-MAIN-20210922193630-20210922223630-00025.warc.gz
| 0.955375 | 1,178 |
CC-MAIN-2021-39
|
webtext-fineweb__CC-MAIN-2021-39__0__253953616
|
en
|
Providing the "Power Play" for Your Business
This is where it all starts. Our Business "Power Play" Analysis sessions examines the top areas within your business and where we're able to uncover major financial breakthroughs you never thought were possible.
Whether it's a start-up or a multi-million dollar business, there's a "Power Play" analysis designed to uncover unprecedented growth for your business. We offer 5 different levels this service, based on the size, type and goals of the business.
At the end of this process, we’ll present you with a roadmap that highlights the financial breakthroughs that were uncovered during the analysis session.
Since no two businesses are alike, we require a client profile be completed and summited prior to any of the "Power Play" business analysis session. Based on the size of your business and the session booked, this requirement may range anywhere from 24 to 72 hours in advance. You will receive the customer business profile form within 1-3 days after one of the business "Power Play" analysis session is scheduled.
Also worth mentioning, if at the end of the of the analysis session you signed up for and we're unable to achieve the target for that session (Level 1 = $50k, Level 2 = $100k, etc.) you get your money back. No questions asked. Full Refund.
As mentioned in the preceding section, after the "Power Play" analysis for your business is complete and the financial target has been reached, within 3-5 days the business owner receives a report that highlights the financial breakthroughs that were uncovered . Since the report clearly identifies those area's where the potential business growth opportunities are located, some clients are satisfied and take a "going at it alone" approach.
However, most of our clients retain our services to help guide them through the entire process of reaching their goal (and in many cases exceeding) in 12 months. And here's why:
The customized game plan/roadmap exists and it shows REAL DOLLARS to be had for YOUR businesses financial growth!!! We've shown you where the money is - All that needs to happen, is for you as a business owner, to implement certain business growth strategies needed to get that money!!!
...and this is where we help. Our system is a hybrid mix of coaching and consulting. Usually, with a traditional business coaching model, the coach would ask the client what he/she thinks they should do and then prods them to do it. However, with the completion of the "Power Play" analysis, the area's of financial growth have clearly been identified. We help our clients navigate that map by showing them:
• Exactly WHAT to do (the strategies required)
• Exactly WHEN to do it (which order the strategies are implemented)
• The expected impact for each strategy implemented (aka: "Show Me The Money")
To help visualize, imagine having a coach, either in the press box or on the sidelines, sending in specific plays to run when needed, avoiding what the defense (the market, your competition, etc.) is coming at you with. That is the Man Advantage/Power Play your business will have over your competition.
Notice how nearly every SUCCESSFUL CHAMPIONSHIP athlete, once they reach their goal, they always thank their coach or mentor. Most realize they could have never achieved the level of success if they tried do it alone. Virtually every successful, winning athlete has sought help and guidance in order to reach the next level. Why wouldn't you want to do that for your business?
Specifically Designed for Start-Up's, Small and Mid-Size Business
The Level 1 session is designed specifically for small businesses or start-ups that have been in business less than a year or generate less than $100k in revenues annually.
Target - $50,000 of new revenue/profit combined, over the next 12 months
Session duration - 45 - 60 minutes in length
The Level 2 session is designed specifically for small to mid-size businesses that have been in business typically 1-3 years and generate between $100k - $300k in revenues annually.
Target - $100,000 of new revenue/profit combined, over the next 12 months
Session duration - 60 - 90 minutes in length
The Level 3 session is for a rapidly growing small or mid-size business, Minimum annual revenue to qualify for this session is $250k annually.
Target - $250,000 of new revenue/profit combined, over the next 12 months
Session duration - 90 - 120 minutes in length
Designed for Large Size Businesses and Corporations
The Level 4 session is designed for mid to large sized businesses who are ready to take it to the next level. Minimum annual revenue to qualify for this session is $500k annually.
Target - $500,000 of new revenue/profit combined over the next 12 months
Session duration typically run 4-8 hours and may be spread across 1-2 days.
Initial consultation is required prior to scheduling.
The Level 5 session is designed for large and very large sized business, corporations, etc. that have been in business, on average over 5 years. Minimum annual revenue to qualify for this session is $1M annually.
Target - a minimum of $1,000,000 of new revenue/profit combined, over the next 12 months
Session duration is determined based on the size of the business and depth of analysis and usually run between 6-12 hours spread over 2-3 days.
Initial consultation is required prior to scheduling.
Schedule a free introductory call to learn more about the Ultimate Business "Power Play" System and how it can help your business not only reach, but exceed your financial goals.
|
finance
|
https://ausdocafrica.org/donate/
| 2021-09-24T04:13:06 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780057496.18/warc/CC-MAIN-20210924020020-20210924050020-00698.warc.gz
| 0.887188 | 200 |
CC-MAIN-2021-39
|
webtext-fineweb__CC-MAIN-2021-39__0__219906407
|
en
|
To improve the health of people in Africa, Australian Doctors for Africa needs your support. Over 90% of our income is spent directly on overseas programs.
Every donation helps us expand our reach, offer higher levels of care and training, and enhance our assistance with equipment and infrastructure. ADFA is a registered charity and endorsed as a Deductible Gift Recipient. Donations of $2.00 or more are tax deductible in Australia.
How do I make a donation?
You can donate by credit card, direct deposit or PayPal.
Your payment is secure. All credit card transactions are secured through an authorised online certificate that provides safe encryption.
Make a direct deposit to our bank account:
ADFA Relief Fund
Account No 82 925 1127
Please email [email protected] with your name and donation amount to enable a receipt to be issued.
Alternatively, use our PayPal account. Please note an administrative fee is deducted from your donation by PayPal.
|
finance
|
https://www.bcmconstruction.co.uk/team/terry-sullivanfinance-director/
| 2020-04-07T19:30:53 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585371805747.72/warc/CC-MAIN-20200407183818-20200407214318-00284.warc.gz
| 0.98388 | 229 |
CC-MAIN-2020-16
|
webtext-fineweb__CC-MAIN-2020-16__0__168550535
|
en
|
Our leadership team
Terry began his career in Accountancy as a trainee Accountant with Beatty & Company, whose client base comprised a wide range of business sectors and different sized businesses from sole traders to large groups of companies. Having gained extensive experience Terry was invited to join the McGinley Group (a key client of Beatty & Co) as an Accountant. Terry’s financial acumen was soon rewarded and he very quickly moved up the career ladder, to the position of Chief Accountant.
Terry joined BCM four years later in 1986, as Chief Accountant/Company Secretary, a year after the company was formed. He has remained with the company for over 30 years becoming Finance Director in 2000 and is a shareholder in the business.
His ability to manage the regulatory side of the business, as well as the financial and business planning sets him apart.
Terry takes a keen interest in all aspects of the business and using his many years’ experience in the construction and rail industry to ensure that the needs of the business are met during its next phase of expansion. Terry sits on the Board at BCM.
|
finance
|
https://themarijuanaherald.com/2023/10/maryland-over-90-million-worth-of-legal-marijuana-purchased-in-september/
| 2024-04-13T03:46:18 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816535.76/warc/CC-MAIN-20240413021024-20240413051024-00024.warc.gz
| 0.96447 | 336 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__155089217
|
en
|
In the third month of legal recreational marijuana sales (September), Maryland marijuana stores sold just over $90 million worth of marijuana and marijuana products.
In total there was $90,775,416 in marijuana purchased in September, a slight decrease from the $91.7 million sold in August but an increase over the $87.4 million sold in July.
$36,516,313 of the marijuana sold in September was purchased by authorized medical marijuana patients, while $54,259,102 was purchased by recreational consumers.
Although total marijuana sales were lower in September than in August, recreational marijuana sales were slightly higher – $54.2 million compared to $53 million.
A considerable majority of the marijuana sold – $50 million worth – was dried marijuana flower, with there being around $25 million in marijuana concentrates sold.
Maryland’s marijuana law was passed by voters in November, 2022, allowing those 21 and older to possess up to 1.5 ounces of marijuana, 12 grams of marijuana concentrates and marijuana edibles infused with up to 750 mg of THC. The law took effect on July 1, 2023, which is when the first recreational marijuana store opened.
Regulations for the marijuana industry is overseen by the Maryland Cannabis Administration, with the Division of Cannabis Regulation and Enforcement tasked with reviewing, approving and issuing licenses for marijuana businesses. The Maryland Cannabis Administration is the group responsible for compiling and publicly releasing marijuana sales data.
Under the new law marijuana is taxed at 9%, with medical marijuana patients exempt. Localities are not allowed to ban dual outlets that sell medical and recreational marijuana, nor can they establish a city specific tax.
|
finance
|
https://www.slhbookseller.com/pages/books/1175/edward-jones-collector/broadside-direct-tax-1816
| 2020-10-23T00:19:15 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-45/segments/1603107880401.35/warc/CC-MAIN-20201022225046-20201023015046-00441.warc.gz
| 0.899195 | 186 |
CC-MAIN-2020-45
|
webtext-fineweb__CC-MAIN-2020-45__0__141121821
|
en
|
[Boston, Massachusetts]: None listed, July 14, 1816. Ephemera no binding. [BROADSIDE]. Direct Tax, 1816., 11th Collection District, Massachusetts, July 14, 1816.
18 ½” x 11”; printed broadside; old ink inscription to rear; 4 horizontal creases with age-toning of paper on verso, light vertical crease, chipping of edges, 3 small holes, 2 have loss of printing, old repair of paper on verso; very good minus. Very good +. Item #1175
Printed broadside of names and addresses of persons in Boston with unpaid property tax. Tax payment with ten percent interest is demanded by August 14, 1817 or the property will be sold at public sale. Columns list the name of taxable persons, number of the Ward, description of the property and amount of tax owed.
|
finance
|
http://seahavenpompanobeach.com/2041.html
| 2018-12-14T09:12:15 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376825495.60/warc/CC-MAIN-20181214070839-20181214092339-00493.warc.gz
| 0.947987 | 138 |
CC-MAIN-2018-51
|
webtext-fineweb__CC-MAIN-2018-51__0__243199584
|
en
|
In an effort to help our residents, we are putting the Master Policy online for you to download and email as an attachment to your mortgage lender/holder. Both "A" and "B" buildings are listed.
As an option, you may also suggest to your mortgage holder that they visit this web site and click on the insurance tab, to print the requested policies of all insurance out on their own, to expedite their insurance request immediately.
If they request further information, please call or email us the mortgage holder information, loan number and requested update.
The 2017 insurance certificate and the 2017 FEMA rezone letter for "A" and "B" Buildings are linked below.
|
finance
|
https://knowledgesummit.org/en/speaker/dr-habib-al-mulla-1
| 2019-12-09T11:24:10 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-51/segments/1575540518627.72/warc/CC-MAIN-20191209093227-20191209121227-00173.warc.gz
| 0.957309 | 226 |
CC-MAIN-2019-51
|
webtext-fineweb__CC-MAIN-2019-51__0__91826464
|
en
|
With over 33 years of legal experience, Dr. Habib Al Mulla is one of the UAE’s most highly respected personalities and has drafted many of the modern legislative structures in Dubai today. He was Founder and CEO of Habib Al Mulla & Associates in the UAE, and following the merger with Becker McKenzie, became Head of Baker McKenzie Habib Al Mulla's office.
Dr. Al Mulla is consulted to draft and offer law advice, both on federal and emirate levels. He created the concept of financial free zones in the UAE and was the architect of the legal framework establishing the Dubai International Financial Centre, the first financial free zone in the UAE.
In 2014, he was the chairman of the board of trustees for Dubai International Arbitration Centre, Chairman of the Chartered Institute of Arbitrators, Chairman of the Legislative Committee of Dubai Financial Services Authority, Director of the Institute of Advanced Legal and Judicial Studies, and Chairman of UAE Jurists Association.
He holds an LLB in Sharia and Law from the UAE University, a Master of Law from Harvard University and a PhD from Cambridge University.
|
finance
|
https://peterhillsschool.greenschoolsonline.co.uk/Parents/SchoolMoney-Login/
| 2022-08-18T01:09:37 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882573145.32/warc/CC-MAIN-20220818003501-20220818033501-00063.warc.gz
| 0.931187 | 164 |
CC-MAIN-2022-33
|
webtext-fineweb__CC-MAIN-2022-33__0__14978091
|
en
|
We have introduced a more convenient way to pay for trips, after school clubs and much more online, using a secure service called SchoolMoney.Making secure payments online using your credit or debit card
SchoolMoney offers you the freedom to make payments whenever and wherever you like, 24 hours a day, 7 days a week, safe in the knowledge that the technology used is of the highest internet security available.
You will have a secure online account, activated using a unique username and password, which you can request from [email protected] if you have not already received it. If you have more than one child at our school, you can create a single account login for all your children.
For further details on setting up your account please download the guide here
|
finance
|
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