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https://www.algorithmictradinggroup.com/about | 2024-04-25T00:40:54 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296820065.92/warc/CC-MAIN-20240425000826-20240425030826-00705.warc.gz | 0.922216 | 148 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__80514857 | en | Finding Inspiration in Every Turn
Algorithmic Trading Group (ATG) Limited is a young, vibrant and growing electronic proprietary trading firm, with offices in Amsterdam and Hong Kong. We trade the major futures and equity markets in Europe, Asia and America on an almost 24/5 basis. Although small-sized, we have been consistently growing since our 2009 Hong Kong inception and always on the lookout for talented team players who are enthusiastic about the financial markets and want to be part of a growing and ambitious company. We’re proud of our open culture and believe in empowerment and autonomy instead of supervision. With challenging projects in an atmosphere that’s informal and collaborative, no day is the same! | finance |
https://catalyst-content.au/why-professional-services-businesses-need-unique-marketing/ | 2024-04-22T01:16:52 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818067.32/warc/CC-MAIN-20240421225303-20240422015303-00029.warc.gz | 0.950945 | 1,065 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__131105158 | en | You instinctively know that a financial services company *probably shouldn’t be running Google shopping ads like Nike is. And you don’t need a marketing guru to tell you that it *may not be appropriate for a family lawyer to be doing TikTok videos – tempting as that may be for some of us.
Professional services businesses differ from product-based or retail businesses in several important ways. And these differences necessitate a different approach to marketing – one that is more meaningful, respectful and patient. These principles especially apply to the following professional services business types:
- Accounting firms
- Financial services companies
- Law firms
- HR consultancies
- Engineering consultancies
- Business advisory firms
- Medical, dental and allied health practices
Before we jump into a discussion of HOW professional services businesses should approach marketing, this article takes a step back to discuss WHY professional services businesses need to approach marketing differently.
Difference 1: Intimate in Nature
Generally speaking, there is a high degree of “intimacy” involved in services like legal consultations, accounting, or business advisory. Often, sensitive or confidential information needs to be exchanged in order for the service to be effective. This makes trust not just a nice-to-have, but an absolute essential for professional services businesses – far more important than for a product or retail businesses where customer-brand relationships are more transactional, straightforward and less personal.
Difference 2: Intangibility of Services
Here’s another quirk of professional services firms. Unlike physical products, services are intangible and therefore harder to quantify. What’s the value of a nugget of legal advice? How much benefit is a client getting from business advisory services delivered by their accountant? Lots for one client, less for another. The fluidity of this intangible value creates the need for the service provider to better articulate their value proposition. And this isn’t about coining the perfect pitch or sentence. Rather, it is about first understanding the outcome the client is craving, and then helping them see that it is attainable with your service.
Difference 3: Sales Cycle Complexity
Professional services often involve complex and longer sales cycles. Generally, the lead requires multiple interactions before a decision is made. Think about how someone selects the right lawyer to represent them in a divorce, or the right financial planner to help them attain financial freedom – these decisions are never made lightly. An impatient or salesy approach exudes a lack of professionalism and also puts undue pressure on even a warm lead. Wisdom and restraint here is critical.
Difference 4: Importance of Personal Branding
In professional services, the consultant herself / himself is often the product. It’s less about the technology or system or IP that is being used in the provision of service. So much of the value and customer experience boils down to the consultant that is delivering the service. As such, building personal brands are essential. Many professional services business consultants struggle with the idea of being the face of the brand. “Thought leadership” is thought to be crude / distasteful and viewed with disdain. But being able to embrace this idea of personal branding is critical for business growth.
Difference 5: High Customer Lifetime Value (CLTV)
Clients in professional services often have a high lifetime value. This means that acquiring a new client can bring significant long-term revenue. An accounting firm that runs quarterly reports for their microcap audience will have a 5-year CLTV of $125,000 per client! RSPCA Australia tells us that on average, a dog is worth $25,000 to a vet. A financial advisor can earn over $50,000 from a single client over a course of 10 years. What all of this means to a professional services business is that a higher upfront investment in client acquisition might be justified.
Difference 6: Heavy Reliance on Referral and Word-of-Mouth
Word-of-mouth and referrals can be the most important growth channels for professional services business. This largely has to do with the ease of inherited trust – when an existing client refers you onwards, the fresh lead inherits the trust of the original client. Their story sells it – which makes it easy for you. But, the only downside to relying on word-of-mouth is that it is largely a passive tactic. A business with growth aspirations can’t afford to wait around for the ebb and flow of referrals. Hope is not a tactic. The best professional service businesses actively catalyse referrals.
Professional services businesses need to think different
The marketing tactics that work for most product and retail businesses will not work for a professional services business. Owners need to approach things differently.
From the unique intricacies of client trust to the complexity of sales cycles and the importance of personal branding, marketing for professional services demands a more nuanced approach. This article has peeled back the layers to reveal WHY such a specialised focus is crucial, laying the groundwork for this deep dive into the HOW – tailored marketing strategies for professional services businesses. In that article we pivot from understanding these key differences to actionable marketing tactics that could transform your professional services business and help you grow. | finance |
https://www.ottawawestpros.com/fees/ | 2024-02-26T17:08:00 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474661.10/warc/CC-MAIN-20240226162136-20240226192136-00566.warc.gz | 0.935962 | 456 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__42830626 | en | Thank you for seeking our services. As you will notice, actual fees are not listed as they are established by the individual professional. However, below is general information that you may need to know.
- Psychological services are not covered by OHIP, but many extended health care insurance plans cover all or a portion of the cost.
- Reimbursement from extended health plans may require a written referral from your physician.
- Fees are paid at the time of service, and a receipt is issued at the time of payment for reimbursement by your insurer.
- Obtaining reimbursement from third party insurance companies is the responsibility of the client.
- Fees can be paid by personal cheque, cash, debit, Visa, MasterCard, or e-transfer. Please check with your clinician about the different payment options they accept.
- Psychological services are exempt from HST and may qualify as a medical expense for income tax purposes.
- A fee of $10.00 will be charged for a cheque returned for any reason. A charge will also be applied if appointments are missed or cancelled with less than 24 hours notice.
Please be sure that you check the following with your insurance company:
- Whether psychological services are covered by the policy.
- Whether all members of the family are covered.
- Whether the policy pays a set amount per visit, a portion of the fee per visit, or a total amount regardless of the number of sessions.
- The time period covered by the policy (e.g. a certain amount per calendar year, a fixed number of sessions per year, etc.).
- Whether the session length is specified (e.g. per half hour, per unit, per hour).
- Whether your policy requires a physician’s referral, which will need to be sent to the insurance company with your claim.
- If different members of the same family are seen, it may be possible to bill each individual for a portion of the fees, thereby maximizing the insurance coverage. If a written referral from your physician is required, the written referral will need to reflect this.
- Most insurance companies accept and reimburse based on regular receipts. However, upon specific request, an itemized statement can be provided. | finance |
https://www.llyc.org/scholarships/ | 2024-02-29T12:55:50 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474808.39/warc/CC-MAIN-20240229103115-20240229133115-00038.warc.gz | 0.944081 | 145 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__180349519 | en | We recognize the financial strain many face when trying to pay for camp and we do not want to leave anyone out. More than ever, we believe that experiences like this are extremely valuable for today’s youth. We strive to be flexible and are willing to work with families to help make camp possible.
You will be able to apply for a scholarship after your camper’s registration is complete (confirmed or waitlisted). Scholarship applications must be complete within two weeks of registration.
In order to complete registration a $200 deposit will be required unless your camper is waitlisted. If you have concerns about paying the deposit, please contact our registrar and we would be happy to work out a payment plan. | finance |
https://www.usconnectionautos.com/auto-exports.html | 2021-10-17T15:47:31 | s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585178.60/warc/CC-MAIN-20211017144318-20211017174318-00189.warc.gz | 0.970827 | 207 | CC-MAIN-2021-43 | webtext-fineweb__CC-MAIN-2021-43__0__126831607 | en | Maximizing Your Profit
After more than 25 years of negotiating and buying cars, we are experts at what we do. However, one of the biggest reasons we can offer you great prices is we keep our overhead low. Since we do not "floor" cars - like other dealers do - our overhead is controlled. This means we can afford to offer you cars at far lower prices. Our mark-up doesn’t change even when we obtain a car for a super low price -- we pass the savings on to you! That’s why we can offer our clients a car that's less expensive than what others charge.
Many dealers won’t show you the invoices of the cars they purchase, but we do. You will know exactly how much was paid for the cars, what the post-sale inspection costs are, our commission, and various other costs. We want to develop long-term relationships with our customers and the best way to do that is to trust who you are dealing with. | finance |
https://sodasays.co.uk/how-to-invest-in-defi-beginners-guide/ | 2023-12-05T15:12:42 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100551.2/warc/CC-MAIN-20231205140836-20231205170836-00323.warc.gz | 0.928264 | 512 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__309775058 | en | DeFi stands for decentralized financial applications, which aims to democratize the economic environment by eliminating centralized institutions like brokerages, banks, and exchanges.This is similar to how Bitcoin and Ethereum work, where a collection of entities keeps track of transactions rather than a single organization. Transacting with DeFi goes beyond basic transfers to more complicated financial use cases.Using smart contracts, which execute transactions automatically if specific criteria are satisfied, allows this.
How to Invest in Decentralized Finance
DeFi platforms and applications now offer a comprehensive range of financial services. From trading to loans, decentralized exchanges, asset management, and more.
You may invest in DeFi in various ways. These choices include Buy and Sell Tokens in which you buy DeFi money at a cheaper price (like other cryptocurrencies do) and sell it when the price rises.
Joining a lending platform and providing cash to infuse liquidity and earning interest from borrowers is the second way.
The third popular investment method is Yield Farming, where you transfer your crypto assets between projects to give liquidity to the network while earning income.
Top DeFi Coins
If you want to invest in DeFi, check for coins like Uniswap (UNI), which dominates the market. Launched at $2.94 in September 2020, the currency has grown over 110% to $35.80 and a market worth of nearly $18 billion.
FTM coin started the year at $0.018 and is now trading at $1.79 in September 2021, a return of almost 5000 percent.
Chainlink (LINK) is a popular DeFi Coin that feeds real-world data to blockchain smart contracts. If you want to invest in a DeFi coin, look at LINK, which beat the market in 2021.
Its scalable smart contract platform facilitates the construction of decentralized apps (dApps) and digital assets. Aave (AAVE) is another popular DeFi coin that is utilized as high return savings account for cryptocurrencies and stablecoins.
Finally, Dai (DAI) is a DeFi coin that is pegged to the US Dollar and so avoids the crypto market’s volatility. With a market valuation of over $4 billion, DAI is one of the greatest and most popular DeFi currencies to consider if you want to invest safely.
Now that you know everything about how to invest in decentralized finance, it’s time to look into this new cryptocurrency type. Start your crypto journey to maximize the benefits of emerging technology. | finance |
http://teenie.cmoa.org/Credits.aspx | 2018-10-18T06:59:00 | s3://commoncrawl/crawl-data/CC-MAIN-2018-43/segments/1539583511744.53/warc/CC-MAIN-20181018063902-20181018085402-00132.warc.gz | 0.948134 | 165 | CC-MAIN-2018-43 | webtext-fineweb__CC-MAIN-2018-43__0__47644028 | en | Vintage prints and negatives in the Teenie Harris Archive were acquired with funds provided by the Heinz Family Fund, the Second Century Acquisition Fund, Milton and Nancy Washington, and by gift of the artist and the Harris Estate. Cataloging and scanning of the Teenie Harris Archive is supported by a National Endowment for the Humanities Grant for Preserving and Creating Access to Humanities Collections.
Major support for this exhibition was provided by PNC Financial Services Group, Inc., the National Endowment for the Humanities, and Richard King Mellon Foundation. Support was also provided by The Heinz Endowments and the Virginia Kaufman Fund. Support for the exhibition soundtrack was provided by BNY Mellon. Other generous support was provided by The Pittsburgh Foundation, The Fellows of Carnegie Museum of Art, and the Beal Publication Fund. | finance |
http://jorurdu.bzu.edu.pk/website/news/jor-urdu-submission-fee-rs-5000 | 2020-09-27T17:05:40 | s3://commoncrawl/crawl-data/CC-MAIN-2020-40/segments/1600400283990.75/warc/CC-MAIN-20200927152349-20200927182349-00541.warc.gz | 0.891923 | 267 | CC-MAIN-2020-40 | webtext-fineweb__CC-MAIN-2020-40__0__131613075 | en | - JOR (Urdu) Submission Fee Rs. 5000/-
JOR (Urdu) Submission Fee Rs. 5000/-
On the recommendation of Finance & Planning Committee, Vice Chancellor Bahauddin Zakariya University has approved that Rs. 5000/- may be charged as 'research paper submission fee' at the time of submission of research paper to Journal of Research (Urdu).
Researchers/ scholars/ authors may deposit the fee in HBL (BZU Branch) Account # 12717900643601 or transfer online. Receipt or Proof of transfer is required with the article to be submitted to JOR (Urdu). This decision would help JOR (Urdu) and all other research journals to produce their own funding for maintaining the standards of publishing, said vice chancellor Prof. Dr. Tariq Mahmood Ansari in a meeting with the editorial board of JOR (Urdu).
All the scholars who have submitted their research papers to JOR (Urdu) on/after the date of notification i.e 01-08-2019 should immediately deposit the research paper submission fee in the bank account number given above to avoid any delay in review process. They may send the receipt of deposit or proof of transfer via email at: [email protected] | finance |
https://www.cityofmustang.org/article/1108410 | 2023-11-30T08:35:10 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100172.28/warc/CC-MAIN-20231130062948-20231130092948-00725.warc.gz | 0.968756 | 258 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__117010381 | en | A copy of the proposed FY 2023-24 Budget was provided to the City Council at their May 2, 2023 regular meeting. The City Council conducted their Budget Workshop on Monday, May 8 2023 at 6:00 PM at Town Center.
The proposed FY 2023-24 Budget was added to the City's website following the Budget Workshop on May 9, 2023 in order to provide the public as much time as possible to review the budget prior to City Council action. The proposed FY 2023-24 Budget was placed on the agenda for a Public Hearing and subsequent action by the City Council at their regular meeting on June 6, 2023. The FY 2023-24 Budget was unanimously approved at that meeting.
All questions asked by the City Council and the public regarding the FY 2023-24 Budget, as well as the answers to those questions provided by staff, will be added to budget section of the City's website for information purposes.
In addition to the FY 2023-24 Budget being available on the website, a hard copy is also available for public review at the Mustang Library.
Any questions regarding the FY 2023-24 Budget should be directed to Mustang City Manager Timothy Rooney.
All of the above referenced budget information can be reviewed here. | finance |
http://aquagroupeg.com/pages/sustainability | 2020-02-19T10:24:27 | s3://commoncrawl/crawl-data/CC-MAIN-2020-10/segments/1581875144111.17/warc/CC-MAIN-20200219092153-20200219122153-00346.warc.gz | 0.956531 | 129 | CC-MAIN-2020-10 | webtext-fineweb__CC-MAIN-2020-10__0__134870977 | en | One of the most important obstacles hindering sustainable aquaculture development in Egypt is the feed, maintaining quality and reasonable price point.
Fish food contributes to about 75 to 85% of the running costs of fish production.
The fish feed prices have increased tremendously in the last few years in Egypt and comprises a large proportion of the farm costs. This increase has been attributed to the importation of ingredients and increased foreign currency exchange rates. The price of fish feed are continuously increasing without much increase in the price of the final product, impacting economic feasibility.
Moreover, the farmers usually must buy feed on credit which puts an additional burden on them. | finance |
https://gal2.org/2015/08/floridas-back-to-school-sales-tax-holiday-is-back/ | 2020-08-09T22:51:22 | s3://commoncrawl/crawl-data/CC-MAIN-2020-34/segments/1596439738595.30/warc/CC-MAIN-20200809222112-20200810012112-00246.warc.gz | 0.945327 | 244 | CC-MAIN-2020-34 | webtext-fineweb__CC-MAIN-2020-34__0__159671160 | en | If you have not already heard, this year's sales tax holiday started on Friday, August 7, 2015 at 12:01 AM and runs until Sunday, August 16, 2015 at 11:59 PM.
During this period, no state sales tax or local option tax will be collected on the sales of clothing; footwear; certain accessories selling for $100 or less per item; certain school supplies selling for $15 or less per item; and on the first $750 of the sales price for computers and certain computer-related accessories when purchased for noncommercial home or personal use.
The Florida Department of Revenue created several documents with lists of eligible items and answers to frequently asked questions. You can download these documents below.
- Tax Information Publication 15A01-05
- Clothing Items List
- School Supply Items List
- Computer Items List
- FAQs for Taxpayers
- FAQs for Business Owners
This sales tax holiday was created by the Florida Legislature during 2015 Special Session A. Contained within House Bill 33-A, it was passed by the legislature and then signed into law by the governor on Tuesday, June 16, 2015 as Chapter 2015-221, Section 28, Laws of Florida. | finance |
https://jcemcin.org/donate/ | 2023-09-23T23:27:21 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506539.13/warc/CC-MAIN-20230923231031-20230924021031-00266.warc.gz | 0.901162 | 182 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__304193412 | en | Commemorate a loved one’s birthday or Yahrzeit by making a donation to JCGC. Donations of $36, $54, $108, $144 or whatever amount you choose can be made to Jewish Cemeteries of Greater Cincinnati by check or online. Donations will qualify for a tax deduction as JCGC is a 501 C(3) corporation. Checks should made payable to Jewish Cemeteries of Greater Cincinnati and mailed to 3400 Montgomery Rd., Cincinnati, OH 45207. To donate online, click the PayPal button below.
All donations go towards a “Special Repairs” fund that is used to fund needed repairs and to keep our cemeteries well maintained.
Cemetery Plot Donations
You may also donate unused cemetery plots to JCGC. Please contact our office at 513-961-0178 for details. | finance |
http://lindaxtwo.blogspot.com/2009/04/kiva.html | 2018-07-22T03:07:26 | s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676593004.92/warc/CC-MAIN-20180722022235-20180722042235-00594.warc.gz | 0.962694 | 867 | CC-MAIN-2018-30 | webtext-fineweb__CC-MAIN-2018-30__0__137088523 | en | For Christmas my daughter had given me a Kiva gift certificate. If you're like me, I had never heard of Kiva. Here is some info from their website on how it works:
Kiva's mission is to connect people through lending for the sake of alleviating poverty.
Kiva is the world's first person-to-person micro-lending website, empowering individuals to lend directly to unique entrepreneurs around the globe.
The people you see on Kiva's site are real individuals in need of funding - not marketing material. When you browse entrepreneurs' profiles on the site, choose someone to lend to, and then make a loan, you are helping a real person make great strides towards economic independence and improve life for themselves, their family, and their community. Throughout the course of the loan (usually 6-12 months), you can receive email journal updates and track repayments. Then, when you get your loan money back, you can relend to someone else in need.
Kiva partners with existing expert microfinance institutions. In doing so, we gain access to outstanding entrepreneurs from impoverished communities world-wide. Our partners are experts in choosing qualified entrepreneurs. That said, they are usually short on funds. Through Kiva, our partners upload their entrepreneur profiles directly to the site so you can lend to them. When you do, not only do you get a unique experience connecting to a specific entrepreneur on the other side of the planet, but our microfinance partners can do more of what they do, more efficiently.
Kiva provides a data-rich, transparent lending platform. We are constantly working to make the system more transparent to show how money flows throughout the entire cycle, and what effect it has on the people and institutions lending it, borrowing it, and managing it along the way. To do this, we are using the power of the internet to facilitate one-to-one connections that were previously prohibitively expensive. Child sponsorship has always been a high overhead business. Kiva creates a similar interpersonal connection at much lower costs due to the instant, inexpensive nature of internet delivery. The individuals featured on our website are real people who need a loan and are waiting for socially-minded individuals like you to lend them money.
Isn't that cool ? I think our government and lending institutions could take notes from KIVA on "transparency of lending". After looking at many profiles, here is who I chose to support with my gift certificate:
Beatrice Etrue is the 40-year-old divorced mother of four children, two currently in senior high school, one in junior high and one in primary school. She lives with her children in a rented apartment in the fishing community of Elmina, one of the country’s tourist attraction centres, near Cape Coast in the Central Region of Ghana. For the past ten years, Beatrice has worked hard as a trader to earn some income to support the family. She deals in all kinds of drinks – malt, fan milk, fan ice, etc., procuring them from wholesale dealers in the regional capital, Cape Coast, and selling in the community market. Beatrice also distributes to other retailers in her community and nearby communities. She is now requesting a loan to procure the products in bulk.
When Beatrice repays my loan, I can then loan it out again to someone else. It is such a neat organization with 100% of the loans going to the loan recipients. People helping people....the way it should be. I was so touched when my daughter gave me this...I have always emphasized with my kids that Christmas is not about presents and monetary things. I feel most holidays have gotten way too commercialized but if we want it to change, it has to begin with us.
Since my 83 yr. old mom has her own candy and jelly making business, my daughter loaned a woman bakery entrepreneur money, in my mom's name, through the KIVA organization. What a wonderful legacy ......to fulfill someone's dreams of owning a business. ...the same kind of business we have been fortunate to own.
I encourage you to check out their web site and see what a positive impact you can make on someone's life....http://www.kiva.org | finance |
https://www.iwazi.com.ng/plenary-session-of-the-house-of-reps-ngr-on-thursday-28th-may-2020/ | 2021-07-25T00:55:57 | s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046151531.67/warc/CC-MAIN-20210724223025-20210725013025-00202.warc.gz | 0.913799 | 517 | CC-MAIN-2021-31 | webtext-fineweb__CC-MAIN-2021-31__0__272886651 | en | Plenary Session of The House of Representative on Thursday 28th May 2020
- Speaker of the House of Representatives reads a letter of communication from President Muhammadu Buhari seeking approval for the revised 2020-2022 mid-term expenditure framework (MTEF) and 2020 National Budget as “it is necessary due to the sharp cut in the global oil price as well as drop-in local oil production.”President Muhammadu Buhari is also seeking the House approval to borrow locally & internationally to finance capital projects as well as finance projects to support state governors in the 2020 budget The letter was referred to the House Committee on loans & debt management
- A Bill for an Act to Amend the Appropriations Act, 2020 to Authorize the issue from the Consolidated Revenue Fund of the Federation the total sum of N10,509,654,033,053 (N10.5 trillion naira) has passed second reading. Out of the N10.5 trillion naira, N398,505,979,362 (Three Hundred and Ninety-Eight Billion, Five Hundred and Five Million, Nine Hundred and Seventy-Nine Thousand, Three Hundred and Sixty-Two Naira) only, is for Statutory Transfers. While N2,951,710,000,000 (Two Trillion, Nine Hundred and Fifty-One Billion, Seven Hundred and Ten Million Naira) only, is for Debt Service.
- Recurrent expenditure is budgeted to be N4,928,525,467,849 (Four Trillion, Nine Hundred and Twenty- Eight Billion, Five Hundred and Twenty-Five Million, Four Hundred and Sixty-Seven Thousand, Eight Hundred and Forty-Nine Naira) only (Non-Debt Expenditure) While the sum of N2,230,912,585,842 (Two Trillion, Two Hundred & Thirty Billion, Nine Hundred & Twelve Million, Five Hundred & Eighty – Five Thousand, Eight Hundred and Forty-Two Naira) only, is for contribution to the Development Fund for Capital Expenditure.
- Henry Nwawuba laid a report of the Adhoc committee chairman on the $10 million bribery allegation made against the House.
- A motion of adjournment was moved by the House leader Alhassan Ado Doguwa, Rep. and seconded by Rep. Abubakar Hassan Fulata, the House adjourned Plenary till Tuesday, June 2nd, 2020. | finance |
https://playfxmony.com/index-377.html | 2024-04-20T17:38:05 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817670.11/warc/CC-MAIN-20240420153103-20240420183103-00534.warc.gz | 0.88536 | 252 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__91667762 | en | What does money look like in Australia? How much are the coins worth? You’re about to find out! Learn about money from down under with our online Australia coins.
These virtual Australia coins help students learn about money and its value in Australia. Money around the world comes in different shapes, sizes, and values. These virtual coins from Australia are similar in color and shape to the real coins. Add coins to the work area by clicking, dragging, and dropping them. You can also add numbers to the workspace. Add your own notes, draw pictures, and circle groups of coins with the pencil tool. Erase your pencil drawings with the eraser. Clear the workspace with the trash can button.
How can you use the virtual Australia coins for learning in the classroom?
- Compare the values of Australia coins with other coins such as coins from the United States.
- Challenge students to show $5 in Australian coins in 5 different ways.
- Draw different items for sale using the pencil tool. Add prices for each. Then, ask students to “pay” for items using the correct online Australia coins.
Visit classplayground.com for more money activities and printables. | finance |
http://sunleyband.com/certainly-one-of-hfla-of-northeast-ohiov%D1%92s-15/ | 2021-01-18T15:50:38 | s3://commoncrawl/crawl-data/CC-MAIN-2021-04/segments/1610703515075.32/warc/CC-MAIN-20210118154332-20210118184332-00228.warc.gz | 0.961067 | 835 | CC-MAIN-2021-04 | webtext-fineweb__CC-MAIN-2021-04__0__61785417 | en | Our company is acutely passionate about it objective even as we usually make use of customers who possess dropped to the vicious cycle of payday loan financial obligation.
Our Executive Director Michal Marcus appeared on NPR to go over loan that is payday reform and speak about HFLA’s make use of payday advances.
The next is adapted from that discussion. To listen to the conversation on your own, follow this link.
Exactly What Are Pay Day Loans?
Based on the customer Financial Protection Bureau, a cash advance is a reasonably tiny amount of money lent at a higher rate of interest in the contract it will be paid back as soon as the debtor gets their next paycheck.
Customers frequently sign up for payday advances for a one-time unanticipated cost like a car or https://carolinapaydayloans.org truck fix or bill that is medical. Pay day loans became appropriate in Ohio in 1995 as soon as the pay day loan Act ended up being authorized.
The difficulty with Payday Advances
Pay day loans in Ohio frequently reach an effective rate of interest of almost 600%. The greatest price HFLA has seen is 789%, nevertheless the average the company sees ranges from 100% to 400% APR for starters loan.
Loan providers additionally usually need borrowers to cover back once again the loans in a unrealistically brief timeframe, like a couple of weeks. In this case, the debtor frequently has two results:
- They usually have the funds to cover the loan back, however the high rates of interest efficiently get rid of their paycheck, making these with absolutely nothing to go on for the following fourteen days.
- They don’t have the income to cover back the mortgage, nevertheless they do have the funds to pay for right straight straight back the 2 days’ interest cost plus the loan provider merely rolls the mortgage over another fourteen days with gathering interest.
This results in a door that is revolving in which borrowers are taking out more pay day loans to pay for the debt they’re already in, often having 3-5 loans at the same time.
In Michal Marcus’s experience, payday loan providers additionally often result in the payback procedure difficult, refusing to take certified checks or asking additional to deliver checks for their offices that are corporate
Cash Advance Legislation
In 2008, Ohio lawmakers recognized the issues with pay day loans and tried to produce legislation to repair these problems.
They capped loan that is payday prices at 28%, capped maximum loan amounts, and declared that the period of loans could maybe maybe maybe not be not as much as 31 times.
But, payday loan providers discovered loopholes all over legislation by registering for certification underneath the Ohio Mortgage Lending Act or as a credit solution company. Today you will find 650 payday loan provider storefronts in Ohio and never one is registered beneath the 2008 legislation.
Ohio State Representative Kyle Koehler has proposed a fresh bill to completely clean within the 2008 cash advance legislation. The brand new bill will:
- Close the credit solution certification loophole.
- Limit loans to under $5,000.
- Declare that the lending company cannot need the debtor to pay for right right back significantly more than 5% of the gross pay in a pay duration (effortlessly extending the re re re payment duration and preventing payback that is two-week).
- Limit fees that are monthly a optimum of $20 or 5percent associated with the loan, whichever is more.
The payday financing reform bill, Ohio home Bill 123, happens to be assigned into the home Government Accountability & Oversight Committee, chaired by Rep. Louis “Bill’’ Blessing III, R-District 29, whom represents section of Hamilton County.
For information about how to guide this legislation, click on this link.
Join us within the battle against payday advances by showing your help for Ohio home Bill 123 ( website link) and also by becoming an HFLA donor. Donate now and determine exacltly what the bucks may do. | finance |
https://shop4tele.com/pages/government-and-corporate-credit-terms | 2024-03-02T07:13:28 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947475757.50/warc/CC-MAIN-20240302052634-20240302082634-00262.warc.gz | 0.939493 | 390 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__86346342 | en | At Shop4Tele, we understand the importance of providing flexible payment options to our valued customers. We are pleased to offer NET 30 credit terms to libraries, schools, government institutions, medical facilities, and qualified businesses. Our credit terms aim to simplify the purchasing process and streamline monthly expenses tracking.
NET 30 Credit Terms:
Shop4Tele extends NET 30 credit terms to eligible customers, allowing you to pay off your orders within 30 days from the date of purchase. This provides you with the convenience of receiving the products and services you need promptly while giving you ample time to complete payment.
Lines of Credit:
By establishing a line of credit with Shop4Tele, you gain the benefit of greater financial flexibility. Our lines of credit enable you to place orders and pay them off gradually within the agreed-upon credit terms. This arrangement provides you with more control over your budget and helps you manage your cash flow effectively.
Purchase Orders Requirement:
To process any NET 30 order, we require a valid purchase order (PO) from your organization. Purchase orders ensure proper documentation and serve as a formal agreement between our company and your institution. Please make sure to include all necessary details, such as billing and shipping addresses, contact information, item descriptions, quantities, and agreed-upon pricing.
Once we receive your purchase order, our dedicated team will review and process it promptly. We strive to fulfill all orders efficiently, ensuring that you receive your products and services in a timely manner. Our goal is to provide you with exceptional customer service and a seamless purchasing experience.
Qualifying for Credit Terms:
Our team will assess your creditworthiness based on various factors, such as financial stability and payment history. Upon approval, you will have the option to establish a line of credit with Shop4Tele.
If you would like to apply for terms, please download our credit application and email it to [email protected]. | finance |
https://www.garygitton.fr/cost-analysis-home-cooking-vs-dining-out-vs-meal-delivery/ | 2023-11-28T12:47:54 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679099514.72/warc/CC-MAIN-20231128115347-20231128145347-00672.warc.gz | 0.939553 | 720 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__64315553 | en | The Financial Burden of Home Cooking
Let’s delve into an example of a businessman living in an urban environment where the cost per square meter is high. Imagine you’re allocating 18% of your living space to the kitchen. For a spending of $3,000 per month on a decent-sized apartment, that’s about $540 dedicated to the kitchen. Managing meal preparations can take up a significant portion of your time – a precious resource as an entrepreneur where time is indeed money.
If you spend about 2 hours daily to prepare meals, with an average hourly rate of your time as $31 (assuming an annual salary of around $65,000), that’s a hefty daily cost of $62. Count in another $10 daily for groceries and utilities, the daily cost of home cooking comes up to $74.
The Alternatives: Eating Out vs. Meal Delivery
As an alternative, let’s consider eating out. With a city’s average meal cost ranging from $10 to $20, eating out twice a day would cost you between $20 and $40 daily. Without considering the opportunity cost of your time, this might look like a cost-effective alternative. Yet, remember that time spent commuting to and finding a restaurant and waiting for your order to be prepared shouldn’t be overlooked.
Considering meal delivery services, they typically charge between $15 and $30 for a meal for two. Ordering twice a day for yourself from DoorDash or Uber Eats would cost between $30 and $60 daily. While it might save you from the headaches of meal prep, it could bring another dilemma – What’s the point of maintaining that costly kitchen area if it’s not frequently utilized?
However, it’s important to note that for individuals with food restrictions or allergies, the level of trust in ordering food falls a notch down. Many a time, the fear of cross-contamination lingers, thus subtracting from the overall meal enjoyment.
Behold, the Magic of Batch Cooking
In contrast, if we switch our lens to batch cooking, the economy of scale comes to play. Let’s say the average cost of a meal goes down to $1.5 when cooked in bulk. If you choose this method of cooking twice weekly, your daily meal expense drops to roughly $6. That, along with your kitchen rent and utilities, can get you an overall daily cost of around $24.
You might wonder about the hefty time consumption. However, the reality is batch cooking often takes few extra minutes per meal than cooking single portions each time. Moreover, inviting friends over for meals at home becomes a more viable option, fostering networking and socializing without spending premium restaurant costs.
Cashing in on Communal Kitchens
In times when optimizing costs and space is critical, shared kitchens seem to score well. Especially for entrepreneurs emphasizing lean living, it aligns with the concept of the ‘sharing economy.’ Communal kitchens allow pooling of resources, fostering bulk purchase discounts and potential group cooking sessions, thus saving cost and time.
In conclusion, batch cooking paired with shared kitchen spaces can drastically cut down expenses and time in managing meals for urban entrepreneurs. It merges the goals of reducing costs, boosting social interactions, and promoting healthier meal choices. It’s high time urban dwellers reimagined the way they cook and eat, fitting in perfectly with their fast-paced, cost-optimized lifestyles. | finance |
http://armstrongmccready.ca/CorporateProfile_ver_2.htm | 2024-04-13T00:53:44 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816465.91/warc/CC-MAIN-20240412225756-20240413015756-00717.warc.gz | 0.854827 | 179 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__90227991 | en | Armstrong McCready is a member of:
Armstrong-McCready Inc. was incorporated in 1977 as an independent brokerage and consulting firm, specializing in Insurance and Financial services.
As independent brokers and consultants, we represent our client’s interests and we are not agents of any one insurance company or financial institution. This allows us to recommend the best choice for our clients.
With over 40 years experience, we provide the personal service that our client's require.
We are always available to personally assist our clients and answer any questions they may have.
640 Bord Du Lac
Tel : 514-636-5351; Fax : 514-636-8268 | finance |
https://www.strictlyebusinessexpo.com/reaping-the-benefits-of-a-precious-metal-and-paper-currency-ira.html | 2023-12-01T02:55:23 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100264.9/warc/CC-MAIN-20231201021234-20231201051234-00499.warc.gz | 0.935736 | 561 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__9462196 | en | A Precious Metal and Paper Currency IRA is an investing strategy that can help you diversify your investments while still keeping up with the safety of a traditional IRA. This type of investment plan is appealing for many people because it offers tax-deferred growth, low-cost storage, and longevity. But what are the benefits? This blog post by RareMetalBlog will explore how a Precious Metal and Paper Currency IRA works in more detail to provide you with all the information that you need to make an informed decision about whether or not it’s right for you.
Benefits of precious metals:
- Precious metals have a low correlation with stocks: This means they can help diversify your portfolio.
- Precious metals offer a hedge against inflation: Gold and silver have been used as currency for centuries because they maintain their value.
- Precious metals are more liquid than less-liquid assets: You can sell your gold or silver quickly if the need arises.
- Precious metals can be used as collateral: You may need to take out a loan, and you will have better luck if your assets are made of precious metal.
- Precious metals can be easily stored: Storing gold and silver is very easy.
- Precious metals are some of the safest investments available.
Benefits of paper currency:
- Paper currency is a haven during market crashes: Gold and silver prices tend to fall when the stock market falls, but that’s not always the case with paper money.
- Paper currency is very liquid: You can trade paper money for gold or silver in an emergency.
- Paper currency can be carried with you: You may need to leave your house in a hurry.
- Paper currency can be used if there is an electrical outage: You will have no problems using cash at the ATM or in stores.
- Paper currency is backed by the full faith and credit of the U.S.: This means that you can trust it to hold its value, unlike other currencies in foreign countries.
What types of accounts can I open?
There are two main options for opening a precious metal IRA: traditional and Roth.
Traditional IRA (or Paper Currency Individual Retirement Account). A regular paper currency or precious metals individual retirement account is suitable if you want to make contributions with pre-tax dollars and defer taxes until you withdraw the funds in retirement.
Roth IRA (or Precious Metal Individual Retirement Account). A Roth IRA is an individual retirement account that accepts only post-tax contributions; withdrawals are tax-free. You can open either one on your own or with an advisor, such as Apex 401k LLC.
In conclusion, there are many benefits to having paper currency and precious metals in your retirement account. | finance |
http://fernandowmdtj.collectblogs.com/9015703/phone-price-quotes-vs-in-house-estimates | 2018-12-16T04:06:27 | s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376827252.87/warc/CC-MAIN-20181216025802-20181216051802-00394.warc.gz | 0.956691 | 1,046 | CC-MAIN-2018-51 | webtext-fineweb__CC-MAIN-2018-51__0__102224061 | en | When acquiring estimates from moving business, you may discover that some movers do things in a different way than others. You may or may not be familiar with the three different kinds of price quotes that you get from a moving business - binding quotes, non-binding estimates, and binding not-to-exceed quotes.
However how moving companies provide estimates also varies, and can considerably impact not only your preliminary quote, however the overall amount of money you pay for the relocation when whatever is said and done. Continue reading to find out the difference in between getting a quote over the phone or in-person at your home.
How phone estimates are carried out
Phone quotes, while common, are not the preferred technique for receiving price quotes from a moving company for a variety of factors, except for under a handful of circumstances.
The walk through. Due to the fact that it looks like such an easy option, lots of people will contact a moving business and stroll the salesperson on the phone through all the rooms in their home, discussing the amount of furnishings, boxes, clothing, etc. that will be consisted of in the move.
The quote. The moving business then offers the customer with a quote, which is usually a really low quote that seems luring to the client.
All is well and great till the end of the move, when the customer gets the last bill and sees that it is nearly double the amount he was priced quote over the phone. While sometimes this situation is a part of a larger moving scams scam that is developed to deceive the client from the beginning and hold products captive up until he or she pays the complete amount, it can likewise be due to a truthful misconception of the full scope of the move.
To prevent both of these possible scenarios, it's typically best to prevent phone estimates completely.
Benefits of phone quotes
Naturally, just like anything, there are benefits and drawbacks to receiving an over-the-phone price quote. Here are some reasons why getting a phone quote might work much better for you:
It's quick and simple. Maybe the most obvious advantage to receiving a have a peek at this web-site phone quote is the fact that it's a lot more hassle-free to talk to an agent and receive a quote over the phone, instead of scheduling time for somebody to come to your house and have a look at all of your belongings-- particularly if you're hectic with your more info move preparation and do not have a lot of leisure time.
You're carrying on short notification and don't have time for an in-person quote. Obviously, this example is an uncommon scenario that may take place if you're forced to transfer on very brief notification. If you just got a promo and need to move across the country in 5 days to start training for your new position, your only option may be to receive an over-the-phone price quote.
Your relocation is relatively little. Another time when an over-the-phone estimate may not be such a bad idea is when you don't have excessive things to take with you. It can be pretty tough to stock the contents of a large move over the phone, however if you're moving a small one-bedroom house with a number of boxes and pieces of furniture, a phone quote need to suffice.
How in-house price quotes are carried out
In-house quotes are normally more structured and effective when compared to phone quotes
A customer will call up a moving company to ask for a quote. The sales representative on the phone will then set up a visit when the movers can come out to the consumer's home to take a look at the rooms and the products being moved.
When the movers get to the clients home for the price quote, they will do a walk-through and go through each room extremely thoroughly, making notes of exactly what is consisted of in the move and estimating the overall weight of the delivery based on what the consumer is moving.
From this careful surveying of your home, the movers get to an initial rate based upon all of the factors involved.
Advantages of internal estimates.
Here are the advantages of internal price quotes:
It's accurate. Allowing the movers to come to your home and study your personal belongings gives them a better idea of what the move requires, allowing them to supply you with the most Check This Out precise estimate possible.
Getting an accurate initial quote can possibly conserve you hundreds, in some cases even thousands, of dollars down the road. The movers will understand precisely what you will be moving and you won't be hit with any last-minute surprises on the moving day.
You will get to meet the movers in person. This is incredibly beneficial, as it enables you to evaluate specific elements of their business that you would not have the ability to merely by consulting with a sales representative over the phone.
You can evaluate their professionalism. Talking with them about the relocation and inquiring any relevant moving questions will permit you to evaluate their professionalism and understanding of the moving market. Understanding these things can save you from potential headaches in the future down the road. | finance |
http://aaa4title.com/ | 2013-05-21T09:53:01 | s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368699856050/warc/CC-MAIN-20130516102416-00008-ip-10-60-113-184.ec2.internal.warc.gz | 0.905885 | 360 | CC-MAIN-2013-20 | webtext-fineweb__CC-MAIN-2013-20__0__71540450 | en | Your Title Insurance and Closing choice for Pennsylvania, New Jersey, Delaware, Maryland and Florida
At All American Abstract, our team of experts are here to professionally, efficiently and quickly handle all of your Pennsylvania, New Jersey, Delaware, Maryland and Florida Real Estate Title Insurance and Closing needs. Whether you are a Consumer, Credit Union, Mortgage Banker, Mortgage Lender, Realtor or Attorney, we are committed to providing world-class personal service to ensure your Real Estate transaction is completed to the highest professional standards.
For over a decade, All American has been providing Residential and Commercial Real Estate Title Insurance and Settlements for Refinance and Purchase Transactions. We are a fully licensed Pennsylvania, New Jersey, Delaware, Maryland and Florida Title Insurance Agent, underwritten by the strong financial resources of Stewart Title Guaranty Company, one of the largest and most well respected Title Insurance underwriters in the Country. Some of our Title and Settlement Services throughout Pennsylvania, New Jersey, Delaware, Maryland and Florida include
- Complete title insurance services for all real estate transactions
- Residential Purchase and Refinance Transactions
- Commercial Purchase and Refinance Transactions
- Foreclosure title Searches
- Escrow and disbursement services
- Settlements/Closings Conducted anywhere and at anytime
- Owned by a Practicing Attorney who focuses solely on Real Estate
- Office staffed by friendly and knowledgeable professionals
By choosing All American for your Pennsylvania, New Jersey, Delaware, Maryland or Florida real estate title insurance needs, rest assured that you have a team of experienced professionals working together to provide you a cost-effective and stress-free transaction.
call (484) 924-8046.
SERVICING THE ENTIRE STATES OF: PA, NJ, DE, MD & FL | finance |
https://www.dubaidrums.com/events-booking | 2024-04-14T17:00:37 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816893.19/warc/CC-MAIN-20240414161724-20240414191724-00386.warc.gz | 0.781095 | 216 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__163525877 | en | Please select the types of vouchers that you wish to purchase and then the quantity of vouchers in each category will be required on the next page.
Please note that vouchers can not be purchased at the gate or meeting point and need to be organized before the event. Sales will be suspended at noon on the day of the Full Moon Desert Drumming if not sold out before.
Account Name : Jupiter Eclipse FZ LLC
Bank Name: First Abu Dhabi Bank ( National Bank of Abu Dhabi )
Bank Address: Mall Of the Emirates Branch, Dubai, UAE
Account Number: 1641323940082010 (Old Number : 6207390041)
IBAN : AE060351641323940082010 ( Old IBAN : AE030350000006207390041)
SWIFT Code: NBADAEAAXXX
All transfer charges will be paid by client
Full Moon Desert Drumming
26th October 2018 - 23rd November 2018 - 21st December 2018 | finance |
https://ftp.peoplescompany.com/listings/14120-iowa-hwy-25-guthrie-center-50115 | 2021-04-13T18:42:33 | s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618038074941.13/warc/CC-MAIN-20210413183055-20210413213055-00135.warc.gz | 0.9178 | 1,261 | CC-MAIN-2021-17 | webtext-fineweb__CC-MAIN-2021-17__0__115253224 | en | Peoples Company is proud to present 118 acres m/l of Guthrie County farmland that will be sold “Absolute” to the highest bidder at a live public auction on Thursday, March 29th, 2018. The auction will take place at 10:00 A.M. at the Guthrie County State Bank (Barnett Room) in Guthrie Center, Iowa. Farm includes approximately 97.61 cropland acres carrying a CSR2 of 56.8. Primary soil types include Shelby, Sharpsburg, and Colo silty clay loams. Additionally, there are two separate CRP contracts (CP-1 & CP-4D) with an annual payment of $8,337 (65.37 acres with an annual payment of $7,862 enrolled until 2020 and 3.91 acres with an annual payment of $475 enrolled until 2019). The farm would be a great add-on unit to an existing operation or an affordable purchase for a Beginning Farmer / Investor. This versatile property has a blend of income with future uses including CRP re-enrollment, livestock production, and recreational components with 20 acres m/l of timber draws with a creek bed flowing to the east into Brushy Creek. Property is nestled in Section 29 & 30 of Victory Township in Guthrie County, Iowa. The farm lease has been terminated and will be available for the 2018 crop season.
The North Half (N ½) of the Southeast Quarter (SE ¼) of Section Thirty (30), the Northwest Quarter of the Southwest Quarter (NW ¼ SW ¼) of Section Twenty-nine (29), all in Township Eighty (80) North, Range Thirty-one (31) West of the 5th P.M., Guthrie County, Iowa.
FSA Cropland: 97.61 Acres
Corn – 27.6 base acres with a PLC Yield of 112
Farm is currently enrolled in ARC-CO. Wetland Determination has not been completed
Total CRP- 69.28 acres paying approximately $8,337 annually
CP1- 65.37 acres paying $120.22 per acre or approximately $7,862 annually expiring in 2020
CP4D- 3.91 acres paying $121.69 per acre or approximately $475 annually expiring in 2019
From Guthrie Center, Iowa: Travel north on Iowa Highway 25 for 2 miles and property will be located on the right (east) side of Iowa Highway 25. Look for sign.
Guthrie County Land Auction
118 Acres M/L
Thursday, March 29th, 2018
Hayes Family ETAL - Attn: Barry Monaghan as Referee
Guthrie County State Bank - Barnett Room
413 State Street
Guthrie Center, Iowa 50115
Auction Method: Farm will be offered in one individual tract. All bids will be on a price per acre amount.
Farm Program Information: Farm Program Information is provided by the Guthrie County Farm Service Agencies. The figures stated in the marketing material are the best estimates of the Seller and Peoples Company; however, Farm Program Information, base acres, total crop acres, conservation plan, etc. are subject to change when the farm is reconstituted by the Guthrie County FSA and NRCS offices.
Earnest Money Payment: A 10% earnest money payment is required on the day of the auction. The earnest money payment may be paid in the form of cash or check. All funds will be held in the Peoples Company Trust Account.
Closing: Closing will occur on or about Thursday, May 10th, 2018. The balance of the purchase price will be payable at closing in the form of cash, guaranteed check, or wire transfer.
Possession: Full possession of the farm will be given at closing.
Farm Lease: The current farm lease has been terminated. Farm will be open for crop year 2018.
Contract & Title: Immediately upon conclusion of the auction, the high bidder will enter into a real estate sales contract and deposit with Peoples Company the required earnest money payment. The Seller will provide a current abstract at their expense. Sale is not contingent upon Buyer obtaining financing.
Bidder Registration: All prospective bidders must register with Peoples Company and receive a bidder number in order to bid at the auction.
Other: This sale is subject to all easements, covenants, leases, and restrictions of record. All property is sold on an “As is – Where is” basis with no warranties or guarantees, expressed or implied, made by the Auctioneer, Peoples Company, or the Seller. Peoples Company and its representatives are agents of the Seller. Winning bidder(s) acknowledge they are representing themselves in completing the auction sales transaction. Any announcements made auction day by the Auctioneer or Listing Agent will take precedence over all previous marketing material or oral statements. Bidding increments are at the sole discretion of the Auctioneer. No absentee or phone bids will be accepted at the auction without prior approval of the Auctioneer. All decisions of the Auctioneer are final. Existing fences, if any, are in as-is condition and will not be updated or replaced by the sellers.
Disclaimer: All field boundaries are presumed to be accurate according to the best available information and knowledge of the Seller and Peoples Company. Overall tract acres, tillable acres, etc. may vary from figures stated in the marketing material and will be subject to change. Buyer(s) should perform their own investigation of the property prior to bidding at the auction. The brief legal descriptions in the marketing material should not be used in legal documents. Full legal descriptions will be taken from abstract.
Brokers Protected: Clients must be registered with a listing broker at least 48 hours prior to start of auction. Participating brokers please contact auctioneer for details and forms.
Use the Interactive Map to explore the property's regional location. Zoom in and out to see the property's surroundings and toggle various mapping layers on and off in the Map Layer Menu.
Click the “play” button below to watch an aerial drone video of this property. | finance |
http://kingsuniversity.edu.ng/index.php/news/disclaimer-alert.html | 2020-07-04T01:17:15 | s3://commoncrawl/crawl-data/CC-MAIN-2020-29/segments/1593655883961.50/warc/CC-MAIN-20200704011041-20200704041041-00383.warc.gz | 0.93295 | 167 | CC-MAIN-2020-29 | webtext-fineweb__CC-MAIN-2020-29__0__92244201 | en | It has been brought to the attention of the Management of Kings University, Odeomu that some persons are impersonating as staff, agent or representative of Kings University on WhatsApp and others social media, demanding payment from applicants.
This is to inform the general public that Management of Kings University dissociates itself from such individuals and persons and that the University does not collect cash or transfer of funds for any payment through account/s. Anyone who does business with the impersonator does so at his or her own risk.
You are reminded that all applications and payments should be through the admission portal at www.kingsuniversity.edu.ng using ATM cards suitable for such transactions or contact us for further information through e-mail [email protected].
Dorothy Salami (Mrs.) | finance |
https://www.servproboydcartergreenuplewiscounties.com/blog/post/114009/fire-smoke-damage-restoration/renters-insurance | 2023-02-05T05:13:05 | s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764500215.91/warc/CC-MAIN-20230205032040-20230205062040-00109.warc.gz | 0.938927 | 250 | CC-MAIN-2023-06 | webtext-fineweb__CC-MAIN-2023-06__0__287370526 | en | The number of renters has grown dramatically in some of the most populous—and disaster-prone—U.S. cities, yet few renters actually purchase insurance, according to theInsurance Information Institute(I.I.I.)
Indeed, only 37 percent of renters have renters insurance whereas 95 percent of homeowners have a homeowners insurance policy, according to a 2014 I.I.I. poll conducted by ORC International.
“Renters insurance provides a very important financial safety net when there is a disaster,” points out Jeanne M. Salvatore, senior vice president and chief communications officer for the I.I.I. “And, renters insurance is relatively inexpensive—the average cost of a renter’s policy is only $187 per year, or less than four dollars per week.”
If you own expensive jewelry, collectibles, musical instruments or even high-end sports equipment, you may want to add a floater or endorsement to your renters policy. This would provide broader coverage for risks such as “mysterious disappearance.” So even if you lose the item, you would be covered. | finance |
https://bluepointmg.com/management-services/ | 2023-09-27T16:22:55 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510300.41/warc/CC-MAIN-20230927135227-20230927165227-00511.warc.gz | 0.966673 | 205 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__149759990 | en | Bluepoint offers a range of payment options to residents; rents can be paid using personal checks, cashier’s checks, money orders, or straight deposit into our JP Morgan Chase account. We also have the ability to set up an on-line payment option or automatic withdrawal through the tenant’s bank.
Once we receive rent payments, our accounting staff applies any funds needed to cover potential vendor work during the month and the remaining portion will be remitted to the property owner through an electronic funds transfer. We understand the importance of receiving rent payments quickly as many of our clients rely on this money to cover their mortgage.
The owner will receive an email when the funds have been disbursed along with a monthly accounting statement.
While it is rare, problems can arise in the process of collecting rent payments. In the event that a legal process is needed, we initiate those services on your behalf and remain in close contact with all parties involved until the problem is resolved and all funds are received in full. | finance |
https://saintandrewamec.org/giving-payments/ | 2021-07-31T19:44:40 | s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046154099.21/warc/CC-MAIN-20210731172305-20210731202305-00436.warc.gz | 0.849497 | 200 | CC-MAIN-2021-31 | webtext-fineweb__CC-MAIN-2021-31__0__46611173 | en | - Enter your contribution allocation by providing the desired amount next to the line item(s) of choice.
- Once completed entering all the desired amounts, click the “Calculate Total” button.
- [OPTIONAL] Enter the name you want to record the contribution allocation in the “Name To Record” box.
- Once the total has been calculated, then click the “Enter Payment” button to enter your payment information.
- You do not have to have a PayPal account. Click here for instructions on how to checkout with a Credit Card via PayPal.
We thank you for your generous contribution to the ministry of St. Andrew A.M.E. Church. While we acknowledge your designation of funds, please be advised that the Official Board reserves the right to reallocate funds to specific areas of need.
Don’t have a PayPal account? Click here for instructions on how to checkout with a Credit Card via PayPal. | finance |
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https://www.competitiontribunal.gov.au/decisions/year/2010/acompt-2010?sq_content_src=%2BdXJsPWh0dHBzJTNBJTJGJTJGd3d3Lmp1ZGdtZW50cy5mZWRjb3VydC5nb3YuYXUlMkZqdWRnbWVudHMlMkZKdWRnbWVudHMlMkZ0cmlidW5hbHMlMkZhY29tcHQlMkYyMDEwJTJGMjAxMGFjb21wdDAwMTImYWxsPTE%3D | 2022-09-25T08:31:00 | s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030334515.14/warc/CC-MAIN-20220925070216-20220925100216-00412.warc.gz | 0.929088 | 5,068 | CC-MAIN-2022-40 | webtext-fineweb__CC-MAIN-2022-40__0__157360462 | en | AUSTRALIAN COMPETITION TRIBUNAL
(Non-system property capital expenditure) (No 4) ACompT 12
Application by Ergon Energy Corporation Limited
(Non-system property capital expenditure) (No 4)
ACompT 12
Australian Energy Regulator
3 of 2010
MIDDLETON J (DEPUTY PRESIDENT),
MR R DAVEY AND MR R SHOGREN
Date of decision:
Number of paragraphs:
Solicitor for Ergon Energy Corporation Limited:
Minter Ellison Lawyers
Counsel for Australian Energy Regulator:
Mr P Hanks QC with Mr Gray, Mr T Clarke and
Mr L Merrick
Solicitor for Australian Energy Regulator:
Corrs Chambers Westgarth
FILE NO 3 of 2010
APPLICATION UNDER SECTION 71B OF THE NATIONAL ELECTRICITY LAW FOR A REVIEW OF A DISTRIBUTION DETERMINATION MADE BY THE AUSTRALIAN ENERGY REGULATOR IN RELATION TO ERGON ENERGY CORPORATION LIMITED PURSUANT TO RULE 6.11.1 OF THE NATIONAL ELECTRICITY RULES
ERGON ENERGY CORPORATION LIMITED
(ACN 087 646 062)
MIDDLETON J (DEPUTY PRESIDENT),
MR R DAVEY AND MR R SHOGREN
24 DECEMBER 2010
REASONS FOR DECISION:
NON-SYSTEM PROPERTY CAPITAL EXPENDITURE
1 These reasons deal with the non-system property capital expenditure (‘capex’). The expressions employed in these reasons are the same as employed in earlier decisions the subject of the current review.
2 In its Regulatory Proposal, Ergon Energy proposed a total forecast of $266 million for non-system property capex for the next regulatory control period.
3 In the Draft Decision, the AER noted that Ergon Energy had not provided business case documentation or other supporting documentation for the major construction projects included in its proposed non-system property capex. The AER concluded that Ergon Energy had not adequately demonstrated the prudence and efficiency of the program of proposed building works – for example, through a clear exposition of the consideration of options, prioritisation of projects or cost–benefit analysis underpinning the proposed program. The AER proposed to allow Ergon Energy an amount of non-system property capex which reflected a “business as usual” approach, based on the removal from the capex proposal of costs associated with the major building projects.
4 In its Revised Regulatory Proposal, Ergon Energy proposed a revised forecast of $263.8 million for non-system property capex. Together with its Revised Regulatory Proposal, Ergon Energy submitted assessment reports and business cases to the AER in relation to non-system property capex proposals for sites at Townsville, Cairns, Hervey Bay, Maryborough, Rockhampton and Mackay.
5 In the Final Decision, the AER concluded that Ergon Energy had demonstrated that its proposed capex for the Cairns, Hervey Bay, Maryborough and Mackay projects was prudent and efficient, but that it had not demonstrated that the proposed capex for the Townsville and Rockhampton projects was prudent and efficient. The AER therefore removed the proposed cost of the Townsville and Rockhampton projects from Ergon Energy’s proposed non-system capex forecast.
6 The grounds of review advanced by Ergon Energy relate to the AER’s refusal to accept Ergon Energy’s capex proposals for the Townsville and Rockhampton projects.
7 The AER acknowledged that it erred in exercising its discretion under cl 6.12.3 of the Rules by not allowing any capex in respect of the Townsville and Rockhampton projects.
8 The AER accepted that, to fulfil the requirements of cl 6.12.3(f)(1) and (2) of the Rules, it should have arrived at a substitute value for Ergon Energy’s non-system property capex requirement by allowing the cost of the “business-as-usual” proposal advanced in Ergon Energy’s business case analyses for those two sites.
9 Accordingly, the AER submitted that the appropriate order for the Tribunal to make was to vary the amount of Ergon Energy’s capex requirement in the Final Decision by including the value of Ergon Energy’s “business-as-usual” proposals for those two sites.
10 The AER maintained that its decision not to accept the full amount of Ergon Energy’s forecast non-system property capex requirements for the Townsville and Rockhampton sites was not affected by error.
THE STATUTORY BACKGROUND
11 Clause 6.5.7(a) of the Rules requires a distribution network service provider (‘DNSP’) to include in its building block proposal a forecast of its total capex for the forthcoming regulatory control period:
A building block proposal must include the total forecast capital expenditure for the relevant regulatory control period which the Distribution Network Service Provider considers is required in order to achieve each of the following (the capital expenditure objectives):
(1) meet or manage the expected demand for standard control services over that period;
(2) comply with all applicable regulatory obligations or requirements associated with the provision of standard control services;
(3) maintain the quality, reliability and security of supply of standard control services;
(4) maintain the reliability, safety and security of the distribution system through the supply of standard control services.
12 Clause 6.12.1(3) of the Rules provides that a distribution determination shall include a constituent decision in relation to the forecast capex included in a building block proposal (‘the capex constituent decision’):
A distribution determination is predicated on the following decisions by the AER (constituent decisions):
(3) a decision in which the AER either:
(i) acting in accordance with clause 6.5.7(c), accepts the total of the forecast capital expenditure for the regulatory control period that is included in the current building block proposal; or
(ii) acting in accordance with clause 6.5.7(d), does not accept the total of the forecast capital expenditure for the regulatory control period that is included in the current building block proposal, in which case the AER must set out its reasons for that decision and an estimate of the total of the Distribution Network Service Provider’s required capital expenditure for the regulatory control period that the AER is satisfied reasonably reflects the capital expenditure criteria, taking into account the capital expenditure factors;
13 In the event that the AER decides not to accept the forecast capex amount proposed by a DNSP, the capex constituent decision comprises two limbs, namely:
(a) the AER’s decision not to accept the amount proposed by the DNSP; and
(b) the AER’s decision as to the appropriate substitute value.
14 Clause 6.5.7(c)-(e) of the Rules governs the first limb of the capex constituent decision (identified above):
(c) The AER must accept the forecast of required capital expenditure of a Distribution Network Service Provider that is included in a building block proposal if the AER is satisfied that the total of the forecast capital expenditure for the regulatory control period reasonably reflects:
(1) the efficient costs of achieving the capital expenditure objectives; and
(2) the costs that a prudent operator in the circumstances of the relevant Distribution Network Service Provider would require to achieve the capital expenditure objectives; and
(3) a realistic expectation of the demand forecast and cost inputs required to achieve the capital expenditure objectives.
(the capital expenditure criteria)
(d) If the AER is not satisfied as referred to in paragraph (c), it must not accept the forecast of required capital expenditure of a Distribution Network Service Provider.
(e) In deciding whether or not the AER is satisfied as referred to in paragraph (c), the AER must have regard to the following (‘the capital expenditure factors’):
(1) the information included in or accompanying the building block proposal;
(2) submissions received in the course of consulting on the building block proposal;
(3) analysis undertaken by or for the AER and published before the distribution determination is made in its final form;
(5) the actual and expected capital expenditure of the Distribution Network Service Provider during any preceding regulatory control periods;
15 In the event that the AER refuses to approve the amount of capex proposed by a DNSP, in relation to the second limb of the capex constituent decision (identified above) cl 6.12.3(f) of the Rules provides:
If the AER refuses to approve an amount or value referred to in clause 6.12.1, the substitute amount or value on which the distribution determination is based must be:
(1) determined on the basis of the current regulatory proposal; and
(2) amended from that basis only to the extent necessary to enable it to be approved in accordance with the Rules.
16 The grounds advanced by Ergon Energy focused attention on the capex criteria under cl 6.5.7(c) of the Rules.
17 The Tribunal accepts that there is no one correct answer to the question of what are the “efficient”, “prudent” and “realistic” costs of achieving a DNSP’s capex objectives, since there is no single objective question. Rather, the terms used in cl 6.5.7(c) of the Rules call for evaluation of the particular situation. Moreover, what are “efficient costs” and what is “prudent” are abstract concepts. Making an evaluation as to what are efficient costs and what costs are prudently incurred requires the decision-maker to undertake a process of assessment by reference to relevant considerations, factors or criteria.
PROPOSED CAPEX FOR TOWNSVILLE AND ROCKHAMPTON
18 The AER concluded that Ergon Energy had not demonstrated that the proposed capex for the Townsville and Rockhampton projects was prudent and efficient, because:
(a) the dollars per weighted ‘key result areas’ (‘KRAs’) point scores for Townsville and Rockhampton were significantly higher than the scores for the other four sites, which was taken to indicate that there was a substantially higher cost of achieving non-financial benefits at the Townsville and Rockhampton sites;
(b) the results of Ergon Energy’s business case analyses for Townsville and Rockhampton were sensitive to the assumed weighting between financial and non-financial criteria; and
(c) Ergon Energy had not considered any alternative development proposals for those two sites, other than “Scenario 2” and the business-as-usual scenario referred to in the business cases.
19 To justify its proposed capex for each of the six major projects, Ergon Energy prepared case studies that compared a “business-as-usual” or “incremental development” proposal (referred to as ‘Scenario 1’) with a “transformational development” proposal (referred to as ‘Scenario 2’) for each site. Ergon Energy attributed a score for the “comparative commercial performance” for each scenario assessed on a discounted cash flow basis. The case studies also attributed a score for the non-financial performance for each scenario. This score was broken down among various KRAs. Based on the scores given to each scenario for each site by Ergon Energy, and the relative weightings for the commercial and non-financial KRAs that Ergon Energy applied (40% for commercial performance and 60% for non-financial performance), the outcome of each case study was that Scenario 2 achieved a higher overall score.
20 One of the criticisms that Ergon Energy advanced is that the AER’s approach of comparing the implied dollar value of non-financial benefits across the six major projects was irrational because the non-financial benefits differed significantly from project to project, and the scores given by the business case analyses for each site were not comparable between sites.
21 The AER noted that Ergon Energy applied different quantitative scales for the commercial performance parameter in each business case.
22 The AER accepted that, because Ergon Energy has derived an overall KRA score by adding the financial and non-financial KRA score, it must therefore follow that the implied scale that Ergon Energy applied to the non-financial criteria must also have differed from one business case study to the next.
23 The AER therefore accepted that the KRA scores (for both commercial performance and non-financial criteria) produced by Ergon Energy’s business cases were not objectively comparable across the six projects. Accordingly, the dollars per weighted non-financial KRA point comparison that the AER referred to in its Final Determination did not provide an objectively consistent comparison of relative cost-efficiency across the six projects.
24 The AER noted that Ergon Energy purported to rely on the business case analyses for the purpose of its own prioritisation of the six major non-system property projects. In light of the idiosyncratic scaling that Ergon Energy adopted for each of its business cases, the AER did not understand how the business cases could meaningfully have been used for that purpose.
25 Accepting that Ergon Energy’s business cases only enable a comparison to be made between the business-as-usual scenario and Scenario 2 for each site, the AER therefore sought to assess the relative cost-efficiency of the alternative proposals for each site by calculating the implied cost (on the dollars per non-financial weighted KRA point measure) of obtaining the non-financial benefits assessed by Ergon Energy for each scenario individually. That analysis produced the following results:
Dollars ($m) per weighted non-financial KRA point
26 The AER noted that, for both the Townsville and Rockhampton sites, the implied cost of obtaining an additional KRA point was very significantly higher for Scenario 2 than for the business-as-usual scenario. Accordingly, the above results were said to confirm the conclusion that the AER arrived at in the Final Determination, namely, that Ergon Energy had not demonstrated that its capex proposals for Townsville and Rockhampton were efficient.
27 Therefore, it was submitted by the AER that even though Ergon Energy’s business cases did not provide a proper basis for the dollars per weighted KRA point comparison between projects that the AER relied on in the Final Determination, the AER was nonetheless correct in determining that the capex proposed by Ergon Energy for the Townsville and Rockhampton sites was not efficient, and did not therefore reasonably reflect the capex criteria.
28 The AER did note that the analysis above indicated that Ergon Energy’s preferred redevelopment proposals for Cairns, Hervey Bay and Maryborough were also less cost-efficient than the business-as-usual scenarios for those sites.
29 The table referred to above was relied upon by the AER because of the divergence between business-as-usual and Scenario 2, in respect of Townsville and Rockhampton. It has been assumed by both Ergon Energy and the AER that the business-as-usual case and Scenario 2 both achieved capex objectives.
30 The only question left to the Tribunal to decide (accepting as it does that the AER made a reviewable error) is how to vary the determination.
31 As already indicated, cl 6.12.3(f) requires that, once the AER has refused to approve the amount of the forecast capex provided in a DNSP’s building block proposal, it must determine a substitute value for capex that is:
(a) determined on the basis of the current regulatory proposal; and
(b) amended from that basis only to the extent necessary to enable it to be approved in accordance with the Rules.
32 Accordingly, the substitute value for capex determined by the AER was required to be determined on the basis of Ergon Energy’s current regulatory proposal and amended from that basis only to the extent necessary for the AER to be satisfied that the substitute amount of capex reasonably reflects the capex criteria, taking into account the capex factors.
33 The AER accepted that, having acknowledged in the Final Determination that it would be prudent for Ergon Energy to address the safety and capacity issues identified in the site assessment reports for Townsville and Rockhampton, Ergon Energy’s non-system property capex allowance would satisfy the capex criteria if that amount reasonably reflected the efficient costs of addressing the safety and capacity issues for those sites.
34 The business case analyses for the Townsville and Rockhampton sites that Ergon Energy submitted with its Revised Regulatory Proposal did consider a business-as-usual scenario as an alternative means of “address[ing] the identified problem” at each site.
35 The AER submitted that it would have exercised its discretion correctly in the Final Determination if it had allowed the capex associated with Ergon Energy’s business-as-usual proposals for the Townsville and Rockhampton sites. This was then the approach pressed upon the Tribunal.
36 However, it is now for the Tribunal to determine the appropriate non-system property capex. If necessary the Tribunal can consider new information and material – see s 71R(3) of the NEL.
37 Whilst the Tribunal is confined by the NEL and the Rules in making its determination, this is subject to the role the Tribunal has under the NEL.
38 Under the NEL, the Tribunal may perform all the functions and exercise all the powers of the AER under the NEL or the Rules - see s 71P(3) of the NEL. However, in addition, the Tribunal has its own functions to perform and powers to exercise – eg see s 71P(1), (2) and s 71R(3) of the NEL.
39 The materials before the Tribunal in the form of the business case analyses and property strategy, in addition to indicating future proposals for development, show substantial differences and staff levels between each site. The Tribunal is satisfied that such material explains the divergence in the analysis of figures relied upon by the AER and referred to in above.
40 The Townsville and Rockhampton projects involve transformational development, including large scale redevelopment of core property assets to enable a rationalisation of locations, building assets and workplace interfaces. For instance:
(a) the Townsville project involves commencing development of the Ingham Rd site, a greenfield site which will house 550 staff once the development is complete; and
(b) the Rockhampton project involves progressive redevelopment of 10.3 hectares of the Glenmore Rd depot site which will grow from 170 to 370 staff over the regulatory control period.
41 This may be contrasted with the Cairns project which only involves construction of a warehouse and associated external works at Swallow Rd during this regulatory period.
42 There are other reasons why the cost of achieving non-financial benefits for some projects will necessarily exceed the average cost of achieving those benefits over all projects. The cost of building a staff amenity in the Brisbane CBD may be higher than building an identical staff amenity in Rockhampton. In both cases, the non-financial benefits may be identical, but the Brisbane project will have a higher cost per weighted KRA index point. It does not follow that the Brisbane project is inefficient simply because its benefits are more costly to realise.
43 It is also not correct to assume that a project is less cost efficient because it has a higher cost of generating a weighted KRA index point. For a network such as Ergon Energy's, this is not a logical or reasonable conclusion. Ergon Energy was created in 1999 through the merger of six separate Queensland electricity corporations. Its network coverage extends over 1,698,100 square kilometres and includes such geographically disparate regions as Far North Queensland, North Queensland, Mackay, Capricornia, Wide Bay and South West. In such a network, it is not logical to compare a proposal to build a warehouse in rural Queensland with a proposal to build an identical warehouse in an urban area. A project in the rural area may be less costly than one in an urban area in all circumstances. This does not mean that the proposal in the urban area is not efficient.
44 Therefore, the Tribunal does not accept that the AER’s approach necessarily indicates that the estimates put forward by Ergon Energy in relation to Townsville and Rockhampton are inappropriate. It is to be recalled that the AER regarded Ergon Energy’s approach in considering other sites or projects as reasonable and accepted that Ergon Energy had demonstrated that its proposed capex was prudent and efficient. Based upon the methodology (including the reliance on the KRAs) accepted by all parties, the Tribunal sees no justification for taking a different approach between Townsville and Rockhampton on the one hand and the other major sites or projects on the other.
45 The Tribunal makes a further observation. The parties have accepted the KRA methodology for the purposes of this review. The Tribunal is prepared to adopt this methodology in this review. However, the Tribunal should not be seen as necessarily endorsing this methodology as being appropriate to demonstrate a proposed capex for a particular site or project is prudent and efficient.
46 Therefore, the Tribunal will not vary the decision as suggested by the AER in allowing the amount of expenditure required for the “business as usual” proposal for each of the Townsville and Rockhampton sites.
47 However, it is not yet satisfied that the proper way to proceed is to make the variation suggested by Ergon Energy by increasing the non-system property component of capex by Ergon Energy’s estimate of the cost of projects planned in Townsville and Rockhampton.
48 The Tribunal would be assisted by a short written submission by the AER on whether (in light of the above reasons and the submissions made by Ergon Energy during the hearing) the Tribunal should accept the estimate of Ergon Energy, or whether further information or material as to the estimates should be sought prior to the Tribunal making a final decision.
49 If the AER does not consider the Tribunal should accede to Ergon Energy’s estimates then a short directions hearing may need to be convened to consider the further disposition of this issue.
50 The Tribunal directs that the parties confer and notify the Tribunal as to their joint or respective positions no later than 4:00pm on Monday 31 January 2011. | finance |
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Whether you’re a FinTech enthusiast seeking to expand your knowledge, a professional looking to stay ahead in the industry, or a marketer aiming to unlock new opportunities, our website is your go-to destination. We strive to be the ultimate resource for all things related to FinTech news and marketing, empowering you to navigate the ever-changing landscape of finance and technology with confidence.
Stay tuned, explore our extensive content, and join our community as we embark on this exciting journey at the forefront of financial technology and marketing innovation. Together, let’s shape the future of finance. | finance |
https://ancor.ua/en/vacancy/job/61385e41a9286d00117bcad4/ | 2021-10-16T18:08:26 | s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323584913.24/warc/CC-MAIN-20211016170013-20211016200013-00191.warc.gz | 0.870336 | 309 | CC-MAIN-2021-43 | webtext-fineweb__CC-MAIN-2021-43__0__151258720 | en | Job reference number: 61385e41a9286d00117bcad4
Reporting Analyst (Finance)
- Prepare monthly/quarterly/annual IFRS-based financial reports for management, incl. in-depth variance analyses;
- Prepare various management reports and ensure they are updated and submitted as per deadlines;
- Analyze transactional processes and identify areas where additional accuracies and efficiencies can be achieved;
- Prepare forecasts of PNL and cash-flows;
- Report, analyze and ensure integrity of all financial information.
- High degree diploma in Accounting, Finance or Economics;
- 4+ years of experience in finance or accounting area within the international company;
- Understanding of accounting principles, budgeting process, financial statements (BS, CF, PNL) and their preparation;
- Ability to analyze big amounts of information and present findings in precise, clear manner;
- Excellent business interpersonal skills are necessary;
- Ability to communicate clearly and work positively with others to reach a common goal (be a good team player);
- Excellent written and verbal communication skills and the ability to formally present financial information to management;
- Excellent knowledge of MS Office (Excel, Power Point, Access – advanced user), 1C and SAP experience is preferred;
- Fluency in English.
- Competitive salary with a developed system of bonuses and benefits.
- Work in an international company.
- Note : Office location station Mezhdunarodnaya. | finance |
https://wethealliance.com/articles/china-s-currency-devaluation-will-hurt-china-more-than-it-hurts-the-united-states | 2019-12-12T08:59:18 | s3://commoncrawl/crawl-data/CC-MAIN-2019-51/segments/1575540542644.69/warc/CC-MAIN-20191212074623-20191212102623-00459.warc.gz | 0.95619 | 249 | CC-MAIN-2019-51 | webtext-fineweb__CC-MAIN-2019-51__0__114898242 | en | The world hasn’t seen the yuan devalued to this level since 2008. China denies that the devaluation of its currency was a deliberate retaliatory step against Trump’s tariff threat. But no one believes it.
Stock markets worldwide experienced significant losses in reaction to China’s retaliation. The Dow Jones Industrial Average dropped more than 900 points during Monday’s trading hours. According to MarketWatch.com, the U.S. major stock markets’ indices ended the day with “the S&P 500 off 6% from its record close set on July 26, while the Nasdaq is off 7.3% from its all-time closing high set the same day and the Dow has pulled back 6% from its July 15 record finish.”
The steep sell-off reflects investors’ concern that the escalating U.S.-China trade war means more uncertainty ahead, and investors hate uncertainty more than anything. What China did this week is its strongest counteraction so far in its ongoing trade war with the United States. It might have achieved the desired effect of causing panic among U.S. investors and businesses, but its action will end up hurting China more than it hurts the United States | finance |
http://www.mortgage-wisdom.com.au/broker-list/mortgage-wisdom/fenessa-brown | 2019-01-21T06:26:59 | s3://commoncrawl/crawl-data/CC-MAIN-2019-04/segments/1547583763149.45/warc/CC-MAIN-20190121050026-20190121072026-00496.warc.gz | 0.943896 | 199 | CC-MAIN-2019-04 | webtext-fineweb__CC-MAIN-2019-04__0__61184239 | en | Mobile: 0418 416 320
Phone: (02) 9668 9114
Fax: (02) 9668 9922
Credit Representative Number: 367953
Accreditation: MFAA Accredited Finance Broker, AFCA Member, FBAA Member, Certificate IV Financial Services Finance/Mortgage Broking FNS 40804, Anti Money Laundering/Counter Terrorism Certificate
Experience: My finance career began in 1989 within a branch of a major Bank in our local area. After 5 years of retail banking in positions from customer service to lending assessment of personal loans, home loans and commercial finance I moved on to other areas in the finance sector including Futures, Money Market and foreign exchange. In July 1999 I was invited to become a member of the Mortgage Wisdom team as a Mortgage Broker.
Interests: I have great passion for personal growth, family history and genealogy. I also like to spend my time with my favourite people and I enjoy digital photography and art. | finance |
http://millenniumaccounting.com.au/html/our_services.html | 2024-02-29T04:46:33 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474784.33/warc/CC-MAIN-20240229035411-20240229065411-00194.warc.gz | 0.949815 | 331 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__13635646 | en | The mundane part of running your business is the bookkeeping; yet this time consuming, confusing and sometimes uninspiring task is fundamental to the success of your business.
We will get your records up to date and help you lodge your Business Activity Statement (BAS) even if it is late...and much more, including tidying up your creditor and debtor records which will help your cash flow, payroll and PAYG issues or preparing your bookkeeping for your end of year accounts and tax returns
Lodging essential returns such as your Business Activity Statement and Payroll/PAYG and Superannuation contributions may seem onerous but they are a fact of life. Also, you need to manage your cash flow so knowing where you are at with your accounts receivable and accounts payable is of paramount importance.
We will work closely with your tax accountant to provide an efficient and reliable bookkeeping, GST reporting and BAS lodgement service. End of year accounts can be given to your accountant in either paper based or electronic format, as required.
With all the demands on your valuable time, and at the end of what has most likely been a long week, the last thing you want to do is chew into your valuable family or relationship time completing your BAS or preparing your financial records for your annual Tax Return.
Millennium Accounting Solutions will add value and understanding to your business, not just numbers. You can rest easy, knowing that your we have the experience in bookkeeping to guarantee the results you want – accurate accounts and a trouble free relationship with the ATO.
Now you can focus on growing your business and serving your customers. | finance |
http://alexandra-court-wiki89727.ezblogz.com/10609019/financial-freedom-is-it-only-a-dream-or-simply-steps-away | 2018-12-10T18:31:28 | s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376823382.1/warc/CC-MAIN-20181210170024-20181210191524-00235.warc.gz | 0.971574 | 801 | CC-MAIN-2018-51 | webtext-fineweb__CC-MAIN-2018-51__0__111713964 | en | Nearly all people go to work everyday and do the very same routine over and over once again. We work so tough till we caught up in the routines for years. With the income that we make every day, we try to pay all of our expenses. We constantly expect to get a higher salary, getting promotion or our organisation running much better so we can make more money. But we do not realize that when we get more earnings, we likewise have invested more cash on our needs. After we work for two, 5, and even 10 years we just realize that we have remained in the rat race of our financial difficulties.
To be economically totally free is only a dream for us, we don't think that is possible. We currently set our mind set that we will retire after 40 years of working and after that we begin to enjoy our life after that. I do not wish to do that.
What if you can get the financial liberty much faster than 40 years? What if I can reveal you how to get to monetary liberty in 5 years? Would not it be intriguing for you?
There are couples actions to accomplish financial freedom.
You have to get the ideal mind set. Unless you desire to change your mind set to the favorable way, there is no way that you can get your dream, which is Financially Free. You have to think in yourself and think that is possible for you to achieve monetary flexibility.
Second, if you do have the best mind set, you need to change the bad habit that you have. If you do not have the money, don't invest it! Our society nowadays, has a brand brand-new habit that does not exist centuries ago. We can spend our loan before we make it! That's right; I am talking about credit card. Cut all the credit cards that are not in utilized if possible. We will be trap in this monetary mouse trap easily with all the credit cards lying around on our tables. We need to be discipline by just keep one or two credit card that we utilize typically only for emergency.
If you utilize your charge card, please do it in your existing spending plan, not your future spending plan. A great deal of individuals are caught since they use their charge card based on their 'future' spending plan.
Bob simply got promoted this week, and his income will be raised next month. He was so delighted about it, and then he invests his future salary with his credit card.
We often forget that if we put our cash in the bank, the value of the loan will be decrease so quick. The bank does not care about our loan; in fact, they made the most benefit from our cash.
We have to find the best financial investment. I recommend you to go to your financial advisor request for their finest opinions. They will seek your needs, and they can offer you the financial investments that appropriate to your needs.
4th, if we truly desire to be financially totally free, we have to make a passive income. In short you can produce a system that can works for you. The most important from this is that you have to set up a system that works without you.
Another way to get a passive income is that you can franchise. Franchising nowadays has increasing enormously in the previous few years.
You can always discover a good network marketing business and stick with the business for 5 years. There you can find out how to built your network and accomplish Financial Flexibility.
Those are couples steps that you can follow to achieve monetary liberty. Every journey is start with a little action. You can begin your own journey to your monetary liberty by start it with a little action. Do not you squander your time, due to the fact that the time is so valuable that we can't reverse the time. Ideally this entire short article assistance you realize that everybody require financial freedom, prior to you captured up into the regimens for more several years. | finance |
https://www.telecore.ru/en/production/resheniya-dlya-it-en/oborudovanie-informatsionnogo-dostupa-en/platezhnye-terminaly-samoobsluzhivaniya-en/ | 2023-11-30T11:03:53 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100184.3/warc/CC-MAIN-20231130094531-20231130124531-00558.warc.gz | 0.836214 | 173 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__13652671 | en | Moscow +7 (495) 660-79-88
Home → Products and solutions → Solutions for IT → Informational access equipment → Payment terminals
Self-service payment terminals are used to: book services, pay for a service using international-standard plastic cards or in cash, print out supporting documents and obtain information.
ParametersIn the basic configuration, the terminal is equipped with:
- a touch screen monitor;
- a printer;
- cash machine;
- uninterruptible power supply;
- fiscal data recorder of the PRIM series.
The additional equipment includes:
- 2D barcode scanner;
- plastic card reader (card reader);
- PIN keyboard;
- Infrared port;
- Bluetooth device;
- GPRS modem.
Self-service payment terminal is an ideal solution for offices. | finance |
http://troypac.weebly.com/grant.html | 2019-05-25T09:16:42 | s3://commoncrawl/crawl-data/CC-MAIN-2019-22/segments/1558232257939.82/warc/CC-MAIN-20190525084658-20190525110658-00396.warc.gz | 0.864928 | 268 | CC-MAIN-2019-22 | webtext-fineweb__CC-MAIN-2019-22__0__200837200 | en | Troy Special Services Parent Advisory Committee
2017-2018 Grant Application
Deadline: May 1, 2017 (end of day)
Please complete all sections of the grant application and hit SUBMIT after completing the form.
We are only accepting applications online. We will only have one round of grant submissions for the 2017-2018 school year. Grants will be selected by the Troy PAC Board Members based on information received and applicability to special education.
Grants are available to special education staff only.
Funds will be available August 1, 2017 for the 2017-2018 school year.
Grants will be awarded as follows:
(6) Six $100 grants
Award recipients are required to provide a 5-10 presentation
If you have questions - please contact
Indicates required field
Provide a brief overview of the project
How will you determine if your objectives are met?
How will you spend grant funds?
Number of students impacted by your project
Are you receiving funding from other sources
Recipients are required to provide a short (5 minute) PowerPoint presentation during the May 2018 Outstanding Staff Awards highlighting how their grant award was used.
Email supporting information
You will be notified via email if your grant has been received and approved..
Create your own unique website with customizable templates. | finance |
http://www.aalrreducationlaw.com/education-code-section-17463-7s-additional-flexibility-regarding-use-of-proceeds-from-the-sale-of-surplus-property-provisions-extended-to-january-1-2016/ | 2017-03-29T07:09:27 | s3://commoncrawl/crawl-data/CC-MAIN-2017-13/segments/1490218190234.0/warc/CC-MAIN-20170322212950-00623-ip-10-233-31-227.ec2.internal.warc.gz | 0.931615 | 660 | CC-MAIN-2017-13 | webtext-fineweb__CC-MAIN-2017-13__0__52906958 | en | Pursuant to the recent passage of Assembly Bill 86 (“AB 86”), as of July 1, 2013, Education Code section 17463.7 has been extended and will remain in effect until January 1, 2016. Education Code section 17463.7 was added in 2009 and provides school districts with some additional flexibility regarding the use of funds derived from the sale of surplus real property. AB 86’s passage merely extends the section’s sunset date to January 1, 2016. The substance of Education Code section 17463.7 remains unchanged.
Accordingly, Education Code section 17463.7 continues to apply only to school district property purchased (1) entirely with local funds, (2) with the proceeds of a local general obligation bond or (3) with revenue derived from developer fees. It does not apply to property acquired with any other type of funding.
Under Education Code section 17463.7, a school district may deposit all of the proceeds from the sale of surplus property purchased entirely with local funds in the school district’s general fund. School districts may use the proceeds for any one-time general fund purpose. However, the proceeds from the sale of surplus property purchased with a local general obligation bond or revenue derived from developer fees are treated differently. While proceeds may also only be used for a one-time general fund purpose, only a percentage of these proceeds from these properties may be deposited in the general fund.
However, before a school district can make use of the additional options provided by Education Code section 17463.7, it must submit documents to the State Allocation Board (“SAB”) certifying certain facts, specifically: (1) the school district has no major deferred maintenance requirements not covered by existing capital outlay resources; (2) the sale does not violate the provisions of a local bond; and (3) the surplus property is not suitable to meet projected school construction needs for the next 10 years. Additionally, prior to using section 17463.7, a school district must present, at a regularly scheduled board meeting, a plan that identifies: (1) the source of the funds; (2) the use of the funds; and (3) the reasons why the expenditure will not result in ongoing fiscal obligation for the school district.
It is important to remember under Education Code section 17463.7 school districts that allocate surplus property proceeds pursuant to this section may lose hardship apportionment and eligibility. First, the SAB will reduce an apportionment of hardship assistance awarded to a school district by an amount equal to the amount of the surplus property proceeds that a school district uses for a one-time expenditure under section 17463.7. Second, if a school district exercises the authority under section 17463.7, it becomes ineligible for hardship funding from the State School Deferred Maintenance Fund for five years after the date the proceeds are deposited into the general fund.
While Education Code section 17463.7 will remain in effect until January 1, 2016, given the section’s specific requirements and potential limitations, it is recommended that when deciding how best to use its surplus property proceeds school districts weigh the section’s additional flexibility with the potential consequences mentioned above. | finance |
http://www.southcarolinamedicare.info/ | 2017-01-17T02:39:25 | s3://commoncrawl/crawl-data/CC-MAIN-2017-04/segments/1484560279410.32/warc/CC-MAIN-20170116095119-00555-ip-10-171-10-70.ec2.internal.warc.gz | 0.947252 | 1,978 | CC-MAIN-2017-04 | webtext-fineweb__CC-MAIN-2017-04__0__210841290 | en | "It's nice to finally have dealt with someone who didn't care how long it took to answer my questions."
- Judy L.
"You just earned a customer for life. I was pulling my hair out over all the confusing plans till I talked to one of your agents."
- Timberli G. I.
"I was pleasantly surprised by the service I received at www.southcarolinamedicare.info."
- Gayle H.
"I've never written a testimonial before. Then again I've never been so worried about my future, nor so happy when your folks helped me figure out my Medicare supplements situation. I'm so grateful, thank you!"
- Tilda N.
Hundreds of thousands of people on Medicare Part A and Part B are are now seeing that with the right Medigap Plan it's possible to:
Receive a Medicare Supplement Insurance Plan now with the plans you expect at a price that suits your budget.
Safeguard your physical well-being and protect your fiscal health with a Medicare Supplement Insurance Plan
Like the thousands of folks whom we have aided since we first began years ago, you have probably seen that trying to make up your mind on the perfect Medicare Supplement Insurance Policy is painful. Furthermore, trying to find a Medigap Broker to coordinate with in sizing up rates is difficult as well.
Fortunately, you do have choices. Locating a Medicare Supplement Insurance Company that you can trust is simple as ABC if you consider:
Buy a Medicare Supplement Insurance Plan through our company and feel good about about both your low cost premiums and the up to 100% protection.
Moreover that is not the end of what our team is capable of. Did you ever attempted to sign up for an insurance plan like a Medicare Supplemental? Thousands upon Thousands Americans are lamentably declined protection or gotten restrictions on their policy that they didn’t see coming only after they had taken care of the initial premium. Additionally way too often there can be annoying problems involved in getting that payment returned or attaining other matching Medicare Supplement Coverage or other policies.
Our customers will tell you, that things like this don't happen to them. Our Medicare Supplemental Insurance Agents in-house are also highly trained “field underwriters.†So we will not only assist you to find the least expensive for Medicare Supplemental Insurance Rates, but we will make certain that you will qualify for the coverage first, before dealing with any paperwork. By answering a few quick questions about your current health and medical history, you could immediatley qualified for Medicare Supplement Insurance Plans which should enroll you you immediately , without a bunch of stress or uneasiness about the possibility canceled policies.
Our staff do not suggest a specific plan to you until we know for a fact your approval will be guaranteed by the Medigap Insurance provider Plus, our Lowest Rate Guarantee ensures that you never ever pay a penny for our brokerage services and are always making payments the affordable available price on the suggested policy you apply for.
Then, for your convenience, we have made deals with with all of our Medigap Insurance Companies to be able to allow you enroll in their policies with an agent on the phone in a matter of minutes. You will have the most affordable Medicare Supplemental Insurance Rates available, protection for life and, if you opt for a Medicare Supplemental Insurance Plan F, you will never ever reach for your credit card to pay in the future for Medicare-covered treatments.
Medicare Supplement Plan F is a perfect plan since it features:
Medigap is another name applied to health care plans commonly known as Medicare Supplements. The Medigap Plans augment the gaps in Medicare coverage that are not taken care of by Medicare Part A and Medicare Part B and are made to fit with Medicare like a key fits into a lock.
A Medigap Insurance Plan is not an alternative for traditional Medicare like a Medicare Advantage Plan, instead it works with traditional Medicare. Moreover, Medigap Plans are different from Medicare Advantage Plans because they have no deductibles, no co-pays and no issues with being "in nework" that could impede you healing when you can't see the right doctor.
Did you know that if you choose the right Medigap Insurance Medigap Insurance Plan like Medicare Supplement Plan F you'll never be made to pay a single dollar when you have treatment in a specialty treatment center, physician’s office or hospital that accepts Original Medicare.
So this means that you pick Medicare Supplement Plan F, if your hospital or doctor are astronomical , you will will not ever have to pay a dime for hospital or doctor just as long as Medicare greenlights a penny of the charges.
Medigap Plans: Everything you need to know
When you seek out healthcare assistance with a hospital, doctor, or specialty treatment center, all you have to do is show them your Medicare Supplemental Insurance card to the doctor, specialty treatment center or hospital. Then everything will, almost magically, be taken care of for you.
Fact is,, after your claim is filed with Medicare for Medicare Part B charges, Medicare will in most cases ship your claim directly to your Medicare Supplement Insurance Company without you having to do anything. Then your Medigap Carrier will take care of the claim, most often without it ever touching human hands
With a easy comparison of Medicare Supplemental Insurance Quotes, you will find the one that is perfect for health, finances and other life situations and then everything will be managed for you. Once again, if you enroll in a Medicare Supplement Plan F from our company, you will never open your mailbox and see a leftover bill to pay for.
We believe that health care professionals ought to be allowed to prescribe what the best medical treatment is for you while your Medicare Supplement Insurance Plans makes sure that you are not hurt with medical expenses. And, when you take out a Medicare Insurance Policies like the recommended Medicare Supplemental Plan F it's YOURS FOR YOUR ENTIRE LIFE. Unlike the restrictive Medicare Advantage Plans, provided that you routinely pay the monthly premiums, the Medicare Supplement Provider can never, ever take your coverage away
Just like the hundreds of thousands of people over 65 that we have advised over time, you've figured out that looking carry out a conclusion on the correct Medicare Supplemental Policies can be aggravating to say the least. Also, attempting to acquire a Medicare Supplement Provider who will help out as you assess Medicare Supplemental Insurance Rates is challenging too.
Fortunately, not every brokerage is like this. Talking to a a Medicare Supplemental Policy Broker whom is worthy of your trust easy as pie because:
What is more, you never pay for our services.
Medicare Supplement Quotes: Why enroll and buy with us our company?
If you are on Medicare, you are as likely as not thinking about crucial decisions about selecting the ideal Medicare Insurance Policy and you are as likely as not being misled by Medicare Advantage salespeople.
Medicare Supplement Insurance Plan Carriers are required give idententical coverage options plan details. So see, it is very necessary to shop Medigap Prices from the nation's best companies with a brokerage that's on your side.
Our company is different, since we work on your behalf, not an individual Medicare Supplement Insurance Plan Company. We thoroughly consider each of the Medigap Policy Providers selling Medicare Supplement Plans and partner the good ones that are reputable and also can live up to their promises forever. It's pretty simple,, our insurance industry analysts cuts out the insignificant Medicare Supplemental Policy Companies and the unreliable and shady.
When we've located the best Medicare Supplement Policy Companies that are up to our tough qualifications, we then use our state of the art and our proprietary software carry out Medicare Supplemental Quote online comparisons. By shopping around for you, our licensed agents obtain the very best for current status based on your specific needs, not what the Medigap Plan Carriers hope you will purchase from them.
However that’s not the full extent that our agents are capable of for you. Have you ever tried buy an insurance policy like a Medicare Insurance Policy? Many Medicare patients, are denied coverage or gotten restrictions on their policy after they'd taken care of the first premium. Unfortunately there's often terrible hassles in receiving a refund or getting enrolled in alternative Medicare Supplemental Rate or other plans.
Things like this don't happen on our watch.
The Medigap Policy Brokers on our staff also are Medigap Policy field underwriters.†So our professionals not only aid to locate the least expensive Medicare Supplement Insurance Rates, we will also make certain that you will qualify for the plan before we go through the approval process. Simply by answering some quick questions respecting your current heath, you can be instantly approved for a Medicare Supplemental Insurance Policy accepts your application you when you first submit it, without annoying frustrations or fears about of denied claims for lack of coverage.
We will not ever advise you to sign up for a Medigap Policy for you unless we are certain that you will qualify be approved by the Medigap Policy carrier. Furthermore, our Cheapest Premium Promise insures our customers won't ever pay a penny for our professional and are always paying the cheapest available amount of money for the recommended plan you are qualified to receive.
For your convenience , we made arrangements with all our Medicare Supplement Insurance Policy Carriers to be able to allow you to enroll in their policies right on the phone in a matter of minutes. You'll get the cheapest Medigap available to you, a policy for as long as you keep up with your premiums and, if you select a Medigap Plan F, you will never pay extra money again for Medicare covered Medicare eligible. | finance |
http://www.godsentus.com/category/insurance-services/ | 2020-04-06T02:16:50 | s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585371612531.68/warc/CC-MAIN-20200406004220-20200406034720-00303.warc.gz | 0.967355 | 615 | CC-MAIN-2020-16 | webtext-fineweb__CC-MAIN-2020-16__0__62988261 | en | Financial planning is something that everyone should do. Without it, you’re not going to make the most out of your life. You won’t be making a lot of money all your life unless you have a business that has set you up for life. For all the others who need to prepare for the future, getting an insurance plan is way to do it.
Since there are all types of insurances available, it is important that you know exactly what you need right from the start. A life insurance is required by people who want to keep their family and properties protected in the event of their demise. There are also other types of insurances, such as health insurance and business insurance, if it is applicable to you.
How to Compute for Your Insurance Premium
While this job is actually something that a financial expert should do, there are things that you can now do on your own. You can use online calculators so you’ll have a good idea as to what type of insurance you need and how much premium you can pay considering your monthly finances.
These tools are free to use, you simply have to find them over the internet. Insurance calculators can give you a good insight into the future, and it may even help you predict whether or not it’s viable to keep that insurance plan for the next few years.
The Necessity of Financial Planning Tools
With the right financial planning tools, you’ll have better control of your future. If you go online, you’ll find that there are a bunch of them that you can use, such as investment calculators and expense calculators, on top of insurance calculators. The proper use of these tools could possibly lead you to better management of your funds.
It’s true that financial planning is one of the most difficult areas of one’s life. But it is also the one that’s most essential. If you really value your life, your family, and all the properties that you have acquired along the way, then you should consider managing your finances either on your own or with the help of a financial expert.
Get Better Control of Your Life
Having your life planned really well is the first step to financial freedom. You’re not going to get there overnight but with proper planning and sticking to that plan, you’ll eventually get there. It’s not easy to control what might happen in the future but if you’re prepared for it now, those things are going to be much more manageable than you think they are.
Getting a life insurance policy is the first step to ensure that you’ll have a brighter future ahead. It may not directly benefit you, but it will ensure that your family is well protected when it’s time for you to leave this world. Your family and maybe even the next generation will be grateful for your efforts in making sure that they’ll live comfortably even if you are no longer physically with them. | finance |
https://jpsdesignandbuild.com/decoding-the-smsf-setup-what-you-need-to-know/ | 2023-12-02T12:04:56 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100399.81/warc/CC-MAIN-20231202105028-20231202135028-00558.warc.gz | 0.947433 | 2,375 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__47371229 | en | Are you considering setting up a self-managed super fund (SMSF) but feeling daunted by the setup process and compliance requirements? Look no further. In this article, we will take you through the key aspects you need to know to decode the SMSF setup process and hit the ground running. From understanding the benefits and drawbacks of an SMSF to navigating compliance and investment strategies, we’ve got you covered.
Understanding SMSFs: An Overview
What is a Self-Managed Super Fund (SMSF)?
As the name suggests, an SMSF is a superannuation fund that you manage and run yourself. In contrast to regular super funds, where an external trustee manages your fund assets and investments, an SMSF trustee is responsible for making all investment decisions and complying with the regulatory framework set out by the Australian Taxation Office (ATO). The self managed super fund setup offer greater control and flexibility over your superannuation, but it also comes with greater responsibilities and compliance obligations.
Managing your own super fund can be a daunting task, but it can also be a rewarding experience. By taking control of your retirement savings, you have the opportunity to tailor your investment strategy to your personal goals and risk appetite. This can include investing in assets such as property, shares, and managed funds, or even setting up your own business within your SMSF.
However, with great power comes great responsibility. As an SMSF trustee, you are responsible for ensuring that your fund complies with all applicable laws and regulations. This can include keeping accurate records, preparing financial statements, and arranging for an annual audit. You must also ensure that your fund’s investments are made in accordance with the law, and that you do not engage in any prohibited transactions.
Benefits of an SMSF
One of the main benefits of an SMSF is the level of control it offers. As an SMSF trustee, you have the flexibility to decide how you want to invest your funds and manage your retirement savings. You can customize your investment strategy, choose your own investments, and potentially save on investment fees. Furthermore, SMSFs offer tax advantages, including the ability to access franking credits and tax deductions for contributions and expenses. SMSFs can also offer estate planning benefits, as you can control how your super benefits are distributed after you pass away.
Another benefit of SMSFs is that they can provide greater transparency and visibility over your superannuation investments. As an SMSF trustee, you have access to real-time information about your fund’s performance and can make informed decisions about your investment strategy. This can be particularly beneficial if you have a keen interest in financial markets or if you want to take a more active role in managing your retirement savings.
Potential Drawbacks of an SMSF
While SMSFs offer a high level of control and flexibility, they also come with greater responsibilities and compliance obligations. As an SMSF trustee, you are responsible for administering your fund in accordance with the law and complying with superannuation regulations. This can include keeping accurate records, appointing an approved auditor, lodging annual tax returns and other statements with the ATO, and adhering to investment restrictions and borrowing rules. Failing to comply with SMSF regulations can result in significant penalties or even disqualification of your fund.
Another potential drawback of SMSFs is that they can be more expensive to run than regular super funds. This is because SMSFs require a higher level of administrative and legal support, including the services of a professional auditor and potentially a financial advisor. SMSFs may also have higher investment fees and transaction costs, particularly if you choose to invest in complex or illiquid assets.
Finally, SMSFs may not be suitable for all investors. If you do not have the time, expertise, or inclination to manage your own super fund, or if you have a small balance, then an SMSF may not be the best option for you. In these cases, a regular super fund may be a more appropriate choice, as it can offer a simpler and more cost-effective way to save for retirement.
The SMSF Setup Process
Setting up a self-managed super fund (SMSF) can be a complex and time-consuming process, but it can also be rewarding and offer greater control over your retirement savings. In this article, we’ll take a closer look at the SMSF setup process, including establishing the fund trust, creating the trust deed, registering with the ATO, and setting up a bank account.
Establishing the SMSF Trust
The first step in setting up an SMSF is to establish the fund trust. This involves creating a trust deed that outlines the rules and objectives of the fund, appointing trustees, and obtaining a tax file number (TFN) and Australian Business Number (ABN) for the fund. You can either set up an individual or corporate trustee structure, each with its own pros and cons.
Individual trustees are typically used for funds with up to four members and offer greater control and flexibility, as each member is also a trustee. Corporate trustees, on the other hand, are a separate legal entity and can offer greater protection and ease of administration, particularly for larger funds.
It’s vital to seek professional advice and guidance to ensure your trust deed is appropriately structured and compliant with the regulatory framework. A qualified SMSF specialist can assist you in selecting the most appropriate trustee structure for your fund and ensure that your trust deed covers all the necessary topics.
Creating the SMSF Trust Deed
A trust deed is a legal document that sets out the rules and objectives of your SMSF and specifies how it will operate. A comprehensive trust deed should cover a wide range of topics, including trustee requirements, fund objectives, membership criteria, benefit entitlements, investment powers and restrictions, and more.
Creating an SMSF trust deed requires legal expertise and knowledge of SMSF regulations, so it’s important to engage a qualified professional to assist with the process. Your trust deed should be tailored to your specific circumstances and investment objectives, and should be reviewed and updated regularly to ensure ongoing compliance with regulatory requirements.
Registering Your SMSF with the ATO
Once you have established your SMSF trust and created your trust deed, you’ll need to register your fund with the ATO and obtain a unique identifying number called an Australian superannuation identifier (USI). You can register your SMSF through the ATO’s online portal and provide information about the fund’s trustees and members, as well as your accountant details and audit arrangements.
The ATO will also provide you with guidance on your SMSF’s compliance requirements, such as record-keeping, audits, and tax returns. It’s important to ensure that you understand and comply with these requirements to avoid penalties and potential loss of your SMSF’s compliance status.
Setting up a Bank Account for Your SMSF
As an SMSF trustee, you’ll need to set up a dedicated bank account for your fund to manage the inflow and outflow of funds. This account is used for various fund transactions, including accepting contributions, rolling over benefits, and making investments.
It’s essential to ensure that the bank account is solely in the name of the fund and complies with the banking regulations and superannuation rules. You should also consider the fees and charges associated with the account, as well as any interest rates and investment options that may be available.
Overall, setting up an SMSF requires careful planning, professional advice, and ongoing compliance. However, with the right approach and guidance, an SMSF can offer greater control and flexibility over your retirement savings and help you achieve your long-term financial goals.
Choosing Your SMSF Investment Strategy
Diversifying Your SMSF Portfolio
One of the primary advantages of an SMSF is the ability to tailor your investment portfolio to your individual needs and risk tolerance. However, investing through an SMSF also comes with its own set of risks and complexities, including diversification, liquidity, and market volatility. A sound investment strategy should aim to achieve a diversified portfolio that spreads across various asset classes and investment types, such as shares, property, term deposits, cash, and managed funds. Diversification assists in reducing investment risk by spreading your investments across various asset classes, regions, and sectors.
Understanding Risk and Return
Investing through an SMSF requires a clear understanding of the fundamental principles of risk and return. Each investment option has its own level of risk and return, and it’s crucial to ensure that your investment strategy aligns with your risk tolerance and financial goals. Different investment options require different amounts of knowledge and expertise, so it’s essential to seek professional advice before making investment decisions.
Investing in Property through Your SMSF
One of the most popular investment options for SMSFs is property investment. SMSFs can use their funds to purchase, hold, and lease property, including residential, commercial, and industrial properties. Property investment offers the potential for long-term capital growth and rental income, as well as potential tax benefits like negative gearing. However, investing in property through an SMSF also has its own set of rules and compliance obligations, including restrictions on related-party transactions and borrowing rules.
SMSF Borrowing and Limited Recourse Borrowing Arrangements (LRBAs)
Another avenue of investment that SMSFs can take is borrowing to invest. The ATO allows SMSFs to borrow money to acquire a range of assets, including property and shares, through limited recourse borrowing arrangements (LRBAs). LRBAs offer greater flexibility to SMSF members to purchase investments they would not otherwise be able to afford. However, borrowing through an SMSF also comes with certain risks and regulatory obligations, such as having a separate trust structure and complying with the strict borrowing rules and investment restrictions.
SMSF Compliance and Reporting Requirements
Annual Audits and Financial Statements
As an SMSF trustee, you’re required to have your fund audited annually by an independent auditor to ensure compliance with the regulatory framework. The audit assesses the fund’s compliance with the superannuation law, investment performance, financial statements, and other compliance requirements. It’s essential to engage a qualified auditor who can provide you with expert guidance and advice and help you meet your reporting obligations.
Lodging Your SMSF Annual Return
Each year, SMSF trustees are required to lodge an annual tax return with the ATO, which provides details about the fund’s investments, income, expenses, and tax liability. The annual return needs to be lodged by the due date, and any tax payable must be paid on time to avoid interest and penalties.
Record Keeping and Document Retention
Finally, SMSF trustees need to keep accurate and up-to-date records of their fund’s transactions, financial statements, and minutes of meetings. Records must be retained for at least five years and be made available to the auditor and the ATO upon request. Keeping comprehensive and accurate records is essential to ensure your fund’s compliance with the regulatory framework and effectively manage your SMSF assets.
Setting up an SMSF requires careful consideration and planning. It’s essential to understand the benefits and drawbacks of an SMSF, navigate the regulatory framework, and choose appropriate investment strategies. By following the key steps outlined in this article, seeking professional advice when required, and staying up-to-date with compliance obligations, you can take control of your superannuation and achieve your retirement goals. | finance |
http://advprograms.com/staffaccountant.html | 2018-02-22T14:41:36 | s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891814124.25/warc/CC-MAIN-20180222140814-20180222160814-00618.warc.gz | 0.897183 | 550 | CC-MAIN-2018-09 | webtext-fineweb__CC-MAIN-2018-09__0__223350979 | en | Staff Accountant in Columbia Maryland
Please note that the position is PART-TIME.
Applies principles of accounting to analyze financial information and prepare financial reports.
ESSENTIAL DUTIES AND RESPONSIBILITIES FOR GENERAL ACCOUNTING include the following. Other duties may be assigned.
- Maintains a computerized financial reporting system and compiles financial data
- Performs Accounts Receivable job functions to include: processing of invoices in a timely manner, research and investigate non-payments or invoice problems, determine customer credit status, call customers for collection, make bank deposits, apply cash into A/R system, maintain cash receipt register, and reconcile A/R balance to General Ledger.
- Participates in the posting, balancing, analysis and reconciliation of the general ledger and subsidiary accounts
- Coordinates monthly closing and production of financial statements to guarantee timely reporting
- Ensures accurate and timely submission of monthly and year-end financial reporting packages
- Ensures reconciliation and maintenance of all major general ledger accounts
- Maintains records of all financial documents with appropriate supporting material
- Assists in preparation of forecasts
- Assists in preparation of annual budgets
- Compiles financial data for income tax requirements
- Assists outside auditors at year-end to include preparing schedules, providing explanation of supporting materials and procedures, and preparing any other necessary data
- In the Accounting Manager's absence, responds to phone calls and meets with other company personnel to resolve problems of an immediate nature
ESSENTIAL DUTIES AND RESPONSIBILITIES FOR COST ACCOUNTING include the following. Other duties may be assigned.
- Prepares and reviews income/expense analysis
- Updates all standard costs
- Reviews and analyzes variances
- Assists in auditing and costing of inventories
- Performs and directs special projects as requested
- Performs other related duties as assigned by supervisor
EDUCATION and/or EXPERIENCE
Bachelor's degree (B. A.) from four-year college or university; or one to two years related experience and/or training; or equivalent combination of education and experience. Additional educational/experience requirements:
- Knowledge of computerized account systems
- Working knowledge of accounting principles and practices
- Ability to work with detail and accuracy
- Good organizational skills
- Ability to establish and maintain effective working relationships
US Citizenship required for most positions. EOE/AA, M/F/D/V. Please send resumes and salary history to Advanced Programs, Inc. 7125 Riverwood Drive, Columbia, Maryland 21046 to the attention of Human Resources or email to [email protected] | finance |
https://www2.clarkschools.net/home/index.php/district-links/around-the-district-articles/467-be-counted-respond-to-the-2020-u-s-census | 2021-10-23T15:05:49 | s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585696.21/warc/CC-MAIN-20211023130922-20211023160922-00005.warc.gz | 0.934802 | 94 | CC-MAIN-2021-43 | webtext-fineweb__CC-MAIN-2021-43__0__105691594 | en | Be Counted! In March 2020, The Census Bureau mailed all households an invitation to participate in the 2020 Census. If you have not replied, you can still respond to the 2020 Census online, by phone, or by mail.
The Census is safe, secure, and confidential, and your response helps to direct billions of dollars in federal funds to local communities for schools, roads, and other public services.
See my2020census.gov for more information. | finance |
https://calhomelending.com/ | 2022-08-07T15:35:49 | s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882570651.49/warc/CC-MAIN-20220807150925-20220807180925-00262.warc.gz | 0.969673 | 218 | CC-MAIN-2022-33 | webtext-fineweb__CC-MAIN-2022-33__0__90169364 | en | "Cal Home Lending I must say is a very progressive mortgage company. You guys are spot on and I have really appreciated working with good real people. Thanks again for getting my loan done so quickly and saving me time and money."
Brody - Sebastopol, CA
"I want to thank Cal Home Lending for helping me with my refinance for the second time in the last three months. Your team and processors are amazing. I have done many purchases and refinances in the past and this has been my best experience yet! You all worked with me professionally every step of the way. I have many properties which I own and I am already preparing documents for yet my 3rd refinance with you. Thanks again!"
Kurtis - Newport Beach, CA
"Thank you for a very quick and easy process for a refinance. I will be recommending you to anyone I know with great credit who needs to refinance. Your rates, fees, and professionalism are worth talking about. "
John - Santa Cruz, CA | finance |
http://www.liverycoach.tech/billing---assigning-group-billing-to-contacts.html | 2024-02-21T12:37:51 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473472.21/warc/CC-MAIN-20240221102433-20240221132433-00454.warc.gz | 0.894671 | 315 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__83770885 | en | Billing - Assigning Group Billing to Contacts
Sometimes, you may have a billing account with several different billing groups, and the billing group always follows the Booker—that is, each Booker has a different, specific, billing group that he or she always uses.
In this case, you don’t have to remember to pick the proper billing group for each trip—you can assign the appropriate billing group to the contact, and then it is selected automatically.
For our example, we have set up a billing account (Livery Coach) with two billing groups (David and Chip). Before we do any assignment, you can see that when David books a trip, both billing groups are available.
To assign the “David” billing group to David, we simply navigate in Maintenance to Maintain…Accounts…Account…Groups.
Select the desired line, and click on the “Assign” button.
You can then use the “Sort By” field to narrow down your contact record selection. Select the contact you want to assign, and then click Add. The selected contact will move from the top window to the bottom window.
Now, when David books a trip, the only billing account group available is the one assigned to him.
When this feature is used in conjunction with the Mandatory button discussed last week, using account groups can be fast and easy—you don’t have to remember to pick one, or even which one to pick. The system will handle this for you. | finance |
https://kmartinlaw.com/faqs | 2017-10-20T10:32:07 | s3://commoncrawl/crawl-data/CC-MAIN-2017-43/segments/1508187824068.35/warc/CC-MAIN-20171020101632-20171020121632-00313.warc.gz | 0.943263 | 2,918 | CC-MAIN-2017-43 | webtext-fineweb__CC-MAIN-2017-43__0__68801286 | en | *This information is provided for informational purposes only. By distributing this article, Elder Law Attorney Koren Martin is not rendering any legal or professional advice. This is an area of the law that changes quickly. If legal advice is necessary, the reader should consult an Elder Law Attorney. Medicaid should not be confused with Medicare benefits. This FAQ only addresses potential Medicaid eligibility.
The average cost of a semi-private room in a nursing home is $4,940 per month (as per the daily average rate of $162.41 established by Texas Health and Human Services Commission) with costs ranging from about $4,200 per month in small communities to over $6,000 per month in metropolitan areas. However, the cost of round-the-clock in-home care runs about $17-$22 per hour translating to a monthly cost of about $12,500 to $16,000. Thus, unless a person is independently wealthy or has long term care insurance, about the only other method of paying for nursing home costs is through the Medicaid program.
An applicant must:
In order to qualify for Medicaid nursing home care (and the Star Plus Waiver benefit) the applicant must have a medical condition that requires specialized supervision by a licensed nurse for services ordered by a physician according to a documented medical condition. For example, could an unskilled individual provide sufficient care for the applicant. If so, then the applicant does not meet the medical necessity requirement. Generally, a person suffering from dementia or Alzheimers disease who takes prescription medications will meet the medical necessity requirement.
Not all nursing homes accept Medicaid benefits. Of those nursing homes that do, the nursing home may only accept a limited number of Medicaid recipients. Additionally, the Medicaid "bed" generally is in a semi-private room.
A Medicaid applicant must receive an income less than $2,205 in 2017. The Medicaid Agency only looks at the applicant's income (not the spouse's). The Medicaid Agency looks to the name on the check to determine which spouse to attribute a particular item of income.
If the applicant otherwise qualifies for Medical long-term nursing home benefits, the applicant (or the applicant's spouse or other representative) may create a Qualified Income Trust or "Miller Trust." This trust allows the applicant to transfer his/her income into the trust and then qualify for Medicaid long term nursing home care benefits.
Among other provisions, the trust must provide that upon the death of the beneficiary/applicant, the State of Texas will be reimbursed for all expenditures made on the applicant's behalf. If the applicant is married, the benefits will be paid out of the trust as follows:
NOTE: The deductions noted above are given to all institutionalized Medicaid recipients when calculating the co-payment to the nursing home. The Miller Trust puts the budget under very careful scrutiny for compliance.
No. A Miller Trust is ONLY used to overcome the income cap issue. A Miller Trust is NOT a trust used to protect assets (resources).
To qualify for Medicaid, the applicant's countable assets (resources) cannot exceed $2,000.
If both spouses are applying for long term care nursing home benefits, then their combined countable resources generally cannot exceed $3,000.00.
If only one spouse is applying for Medicaid benefits, the community spouse may keep more than $2,000.00 in assets. When the Medicaid application is made, all available non-exempt resources of both spouses will be counted as resources, regardless of whether the property is classified as community or separate property. One-half of the couple's resources will be set aside for the spouse not applying for Medicaid benefits, with a minimum set aside amount of $24,180.00 and $120,900.00 maximum in 2017. (Pre-marital and post-marital agreements are irrelevant to the Medicaid application.)
There may be ways to increase the maximum amount that can be set aside for the spouse staying at home but the strategies can be complex and should be discussed with attorney Koren Martin.
Spending down before or after the application is not the key. The Medicaid Agency gives you credit for all monies spent after you enter a medical facility and ultimately stay for 30 consecutive days or more. For example, Wife has a stroke and goes into the hospital in September 18. On October 4, she is moved into a nursing facility and continues to reside there. Her husband makes application for Medicaid benefits for her in December.
The Medicaid Agency will determine what their assets were on September 1 and again on December 1 to see if they have already spent funds to meet any spend down. When only one spouse is applying for Medicaid, it is best to "spend down" AFTER a person has spent 30 consecutive days or more in a medical facility. When an individual with no spouse is applying for Medicaid, the applicant can have only $2,000 in countable assets so any spend down should be accomplished after entry into the nursing home but before eligibility.
No. The following assets are exempt from being included as a countable resource:
Additionally, the Medicaid Agency will also exempt funds held in an IRA, 401k or other similar tax device that are invested in an annuity product. (I do not make investment recommendations. However, I will work with your financial planner to explain the effect your investments might have on a Medicaid application.)
If a nursing home applicant makes a transfer of resources for less than fair market value (a “gift”) in order to qualify for Medicaid benefits, the applicant will be penalized for the gift by being ineligible for Medicaid nursing home payment for a calculated period of time (the “transfer penalty”)(Currently the gift will disqualify the applicant for the in-home Star Plus Waiver benefit). The Medicaid Agency has determined that the average private pay cost for nursing home care is $162.41 per day (beginning September 1, 2013 through August 31, 2017). To determine the number of months of ineligibility for any gift, the Medicaid Agency will divide the amount of the gift by $162.41. The resulting quotient is the number of days of ineligibility for benefits.
If a gift is made, the presumption is that it was made in order to qualify for Medicaid benefits. To avoid a penalty, the Applicant would have to prove that the gift was made for a totally different reason, which is a very difficult burden of proof. Under Federal and State law, the Medicaid Agency could "look back" for 60 months to determine if an individual made any gifts.
Congress allows a person who is disabled (according to the Social Security definition of disability) under the age of 65 to transfer assets to a Supplemental Needs Trust or a pooled Trust (e.g. the Arc of Texas, Master Pooled Trust) without transfer penalties. Both of these trusts require that upon the death of the applicant/beneficiary, all Medicaid expenditures are paid back to the State out of the remaining trust funds. These trusts are generally irrevocable.
When spouses transfer their assets into a living trust, the Medicaid Agency takes the position that so long as the trust is revocable, it is as if the parties still own the assets–because the parties can revoke the trust at any time and get their assets back. There is no transfer penalty so long as the spouses can recover the property from the trust.
A Medicaid applicant/recipient cannot claim an exemption for the homestead if the homestead is owned in a revocable trust. Additionally, owning assets in a Revocable Trust can result in complications for Medicaid eligibility. When the first spouse dies, if the trust requires that the deceased spouse’s property must pass into a trust for the surviving spouse, such a transfer could result in a Medicaid disqualifying transfer penalty applied against the surviving spouse (even if the decedent’s trust for the surviving spouse had supplemental needs language).
These rules are complex so before creating a trust with the intent of applying for Medicaid, you should consult with Koren Martin.
The answer is most often, no.
An annuity that allows a person to access the cash assets (similar to a savings account) is a countable asset except in the case of an IRA, 401k or other similar investment If the annuity is “annuitized,” the annuity will be paying monthly payments and the fund cannot be cashed out. If your annuity is paying monthly income with no ability to cash out the annuity, then you may have to name the State of Texas as either the secondary beneficiary with a spouse or minor child as the primary beneficiary OR name the State as the primary beneficiary. Upon the death of the annuity owner, the funds must pay to the surviving spouse, a minor child, or reimburse the state for all Medicaid expenditures made on behalf of the annuity owner.
Because an annuity contract could contain significant surrender penalties (over and above the tax issues), you should contact attorney Koren Martin to determine the pros and cons of investing in annuities.
Once you have supplied me with all of the necessary documentation and any prerequisite spend-down or estate planning strategies have been implemented, I will submit the completed application to the Texas Health and Human Services Commission (the "Medicaid Agency"). The Medicaid Agency has 45 days to complete the Medicaid application review and can obtain a 45 day extension to complete the application review for a total of 90 days. Once a Medicaid Application is filed, the only nursing home payment required is the applicant’s income.
If the application is not complete, the Medicaid Agency can deny eligibility. An application can be supplemented during the application process. If the Medicaid caseworker requests additional information required on Form 1200 (the Medicaid application), it is wise to respond quickly to avoid a denial of benefits. However, if there is a deliberate misrepresentation or willful withholding of information for the purpose of obtaining public assistance, the agency can refer the application to the Office of Inspector General for a fraud investigation.
Absolutely. An applicant can appeal a denial of eligibility within 90 days of the denial date. However, it is wise to appeal as soon as the denial is made if the applicant believes that the denial of eligibility was wrong.
While the State will not “take” the homestead as reimbursement for Medicaid payments, when there is no surviving spouse or other exemptions, your executor may have to sell your homestead and your family heirlooms after you die if you accept Medicaid assistance. The following is a brief overview of the Medicaid Estate Recovery rules.
It is important to note that, effective September 1, 2003, the Texas Legislature passed a law requiring the implementation of a Medicaid estate recovery statute based on the federal requirement to attempt to recover certain State Medicaid expenditures from the estate of a deceased Medicaid recipient. The program is called the Medicaid Estate Recovery Program (“MERP”). The rules were effective as of March 1, 2005. According to the rules, there will be no estate recovery, ever, when the deceased Medicaid recipient has a surviving spouse, minor children, disabled child (of any age). There is an additional exemption when an unmarried adult child lived in the homestead at least one year immediately prior to death. This is not a lien statute so the state will not “take” the homestead. The statute makes the State a creditor just like a doctor or ambulance company and just like any creditor, if there are no exemptions or waivers from collection, the creditor can require the executor to sell estate assets to pay the debt.
Before paying Medicaid Estate Recovery, I urge you to have your Certified Elder Law Attorney review the claim to make sure it is a valid claim.
First you must determine if the power of attorney authorizes the agent to make gifts. As noted above, gifting can create a period of ineligibility for Medicaid long term care benefit. Elder Law Attorney Koren Martin advises against gifting for a number of reasons, including but not limited to:
While gifting is difficult, it may be allowable. Any concerns about gifting should be discussed with an Elder Law Attorney.
There is a Texas law that says:
“‘Exploitation’ means the illegal or improper act or process of a caretaker, family member, or other individual who has an ongoing relationship with the elderly or disabled person using the resources of an elderly or disabled person for monetary or personal benefit, profit, or gain without the informed consent of the elderly or disabled person.” Texas Human Resources Code §48.002(3)
If Adult Protective Services (referred to as “APS”) finds that a person used a power of attorney (or any other means) to transfer the Applicant’s money for the benefit, profit or personal gain of someone else (“made a gift”) without the Applicant’s informed consent, then APS could find that the person making the transfer has EXPLOITED the Applicant. APS can refer its findings to the District Attorney. Transfer of funds as small as $500 can result in a state jail felony charge. Therefore, it is imperative that if an elderly person intends to make gifts and may want to use the Medicaid program to help pay for care, then prior to the gifting, the elderly person or his/her family should consult with an Elder Law Attorney.
The internet is not your friend. Since each state has the ability to promulgate its own regulations for Medicaid program eligibility, any other state or a federal website would not provide accurate information. Additionally, regulations and the policy enforcing those regulations change. Therefore, a 2015 website will probably not have the most current statements of regulation and policy. Even if the website has a 2017 publication date, if the site is being published by a stakeholder that is selling a produce, you may not receive the rest of the story.
Therefore, it is my advice that when trying to create a Medicaid plan, it is best to contact an Elder Law Attorney, like Koren Martin. When asking a legal question about the Medicaid program or any other legal issue, it is imperative that a person obtain advice from a competent attorney.
Texas Law prohibits non-attorneys from advising persons about Medicaid qualification and charging a fee: | finance |
http://www.mac.org.my/v3/announcement-developing-financial-accounting-manual-for-maf-call-for-expression-of-interest/ | 2018-12-18T21:09:49 | s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376829812.88/warc/CC-MAIN-20181218204638-20181218230638-00453.warc.gz | 0.949025 | 275 | CC-MAIN-2018-51 | webtext-fineweb__CC-MAIN-2018-51__0__220730298 | en | Call for Expression of Interest (EOI) from Individual Consultants & Professional Firms to Develop MAF Financial Accounting Manual
Malaysian AIDS Foundation (MAF) was established by Malaysian AIDS Council (MAC) as its fund-raising arm in 1993. It was formally incorporated as an independent entity under the Trustees (Incorporation) Act 195 in 2003. MAF supports the activities of MAC and its Partner Organisatons in implementing HIV/AIDS projects throughout Malaysia.
MAF also manages projects funded mainly by private domestic sources. As MAF scales up its projects there is a need to have a better system of check and balance to ensure transparency and accountability in its financial activities. Hence, the management of MAF wishes to develop a Financial and Accounting Manual to regulate its financial activities.
Terms of reference for this assignment is available here.
Submission of EOI
Qualified individuals who have the experience in producing corporate products and are interested to undertake this assignment are invited to fill the EOI template (download here) together with copies of credentials and submit to MAF via email, [email protected] before 15th November 2017. Submission should include at least one work sample by the individual. If published please include the website address where the report is available.
For professional firms kindly submit corporate profile and please state your fee. | finance |
http://www.elitediams.com/ | 2013-12-08T23:59:11 | s3://commoncrawl/crawl-data/CC-MAIN-2013-48/segments/1386163835370/warc/CC-MAIN-20131204133035-00085-ip-10-33-133-15.ec2.internal.warc.gz | 0.920616 | 204 | CC-MAIN-2013-48 | webtext-fineweb__CC-MAIN-2013-48__0__21073721 | en | Our niche is the diversification and growth of wealth through intelligent diamond investment. Integrating its market knowledge and diamond investment insight, Elite Diams aims to extract superior sustainable returns for its select group of clients.
Elite Diams’ mission is to educate, source and supply the most exclusive and desirable investment grade natural colored diamonds available at the time of investment. Elite Diams is providing the world’s most concentrated form of wealth with knowledge and discretion. Unparalleled resources and expertise are why Elite Diams is a trusted supplier to North American and global investors.
Elite Diams serves its sophisticated clientele with dedication to excellence. In an industry where trust and integrity are paramount, all requests, discussions and acquisitions are proprietary. A great deal of time and energy is devoted to providing the best natural colored diamonds from the global market to meet our client's goal and exceed their expectations.
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Click Here to request our Free Investor Kit | finance |
https://www.eponarescue.org/nevada-gaming-retains-momentum-in-september/ | 2024-03-04T04:50:09 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476413.82/warc/CC-MAIN-20240304033910-20240304063910-00174.warc.gz | 0.932588 | 734 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__199784690 | en | The Nevada Gaming Control Board released its traditional monthly update on the state’s gambling industry. September retains the momentum inherited by previous months, reporting a year-on-year revenue increase of 8%. If the trend continues, the Silver State should easily surpass 2021’s record-setting profits.
Another Excellent Month for Operators
September is the 19th month in a row when Nevada’s gambling sector’s monthly revenue surpassed $ 1 billion. The state made $1.24billion in total, equating to an 8% increase compared to 2021.
Casinos in The Strip contributed the most once again, bringing in $693 million and enjoying the most substantial monthly increase of 8.25% compared to other regions. It accounted for over 55% of the state’s gaming revenue. The strong showing can provide foresight on the upcoming quarterly reports of its largest operators like Caesars, MGM, and Wynn Resorts.
Nevada Gaming Control Board senior analyst Michael Lawton was optimistic that the state would continue its streak. The coming months should receive a substantial boost from a stacked series of high-profile events like the return of the Global Gaming Expo, performances by Adelle and Elton John, and UFC 282.
We have three months left in the calendar year, and I’m going to go out on a limb and say this year is going to surpass last year.
Michael Lawton, Nevada Gaming Control Board senior analyst
This prediction also matches the growing number of visitors. 3.35 million people chose to come to Vegas in September. While the number still lags by 3.5% compared to the pre-pandemic levels, it represents a substantial 14% increase compared to 2021, signaling a healthy upwards trend.
Sportsbook Profits Almost Reached Record Highs
Slot machines continued to dominate the gambling sector, making $858.1 million, which marks a steady 10% year-on-year growth. Table, counter, and card games came in second at $390.8, while baccarat revenue dropped by 3.6% compared to last September, settling at $80.1 million.
Nevada’s sportsbooks were the biggest surprise this September, with revenues just short of November’s $72 million record. The $70.6 million collected is an impressive 30.2% increase compared to last year and can be attributed to the month’s stacked sporting calendar. Online wagers made up 64.6% of all sports betting activity, supporting the growing trend away from land-based establishments.
The Winning Streak Will Likely Continue
While September’s results certainly seem encouraging in the context of post-COVID recovery, experts believe that dark clouds may be on the Horizon. Brendan Bussmann, managing partner of gaming and hospitality-focused consulting firm B Global, told Forbes that $1 billion had now become the standard and warned of some concerning factors that could negatively impact Nevada’s bottom line.
We hit full recovery, plus some, but we have inflation at record levels, and costs are spiraling out of control, which will put pressure on the locals market.
Brendan Bussmann, B Global managing partner
Despite growing concerns, Bussmann was optimistic that Nevada would be able to sustain its billion-dollar streak at least until the end of the year. So far, 2022 is proving to be a breath of fresh air for Vegas. With projected profits rising for the foreseeable future, the Silver State should be in a stable-enough position to handle any upcoming downturn. | finance |
https://www.clearwatt.co.uk/knowledge/tco | 2024-02-25T18:43:41 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474641.34/warc/CC-MAIN-20240225171204-20240225201204-00018.warc.gz | 0.944046 | 537 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__61670613 | en | July 31, 2023
Total Cost of Ownership
The Total Cost of Ownership (TCO) is an important calculation to ensure that vehicle costs are being considered over the medium/ long-term and include all of the elements of running, fuelling and maintaining the car.
Table of contents
The Total Cost of Ownership
The Total Cost of Ownership (TCO) of electric vehicles (EVs) in the UK varies significantly depending on the model and make of the car, the type of financing, and individual usage. However, despite higher initial purchase prices, when factoring in costs over the lifetime of the vehicle, EVs can present a more economical alternative to traditional internal combustion engine (ICE) vehicles.
In conclusion, while the upfront cost of EVs can be higher, the lower running, maintenance, and potentially insurance costs can result in a lower total cost of ownership over the lifetime of the vehicle.
What about the residual (future) value of used EVs?
The residual value, or the future value of a car after a specific period, is another critical component of the Total Cost of Ownership for EVs. The residual value can be heavily influenced by factors like vehicle reliability, demand, media coverage, technology advancements, and government incentives.
Historically, EVs suffered from faster depreciation rates than ICE vehicles, partly due to concerns over battery life and technology obsolescence. However, this trend is changing rapidly as EV technology improves, and consumer confidence grows.
In recent years, as more consumers and businesses are adopting EVs, demand for used electric cars has been rising in the UK, leading to stronger residual values. Additionally, advancements in battery technology and longer range capabilities are improving the longevity and thus the residual value of EVs.
Moreover, the UK government’s commitment to ban the sale of new petrol and diesel cars by 2030 is expected to have a significant positive effect on the future value of EVs. As this deadline approaches, the demand for electric cars, both new and used, is expected to increase, which should help retain and potentially even increase their value over time.
That said, the residual value of EVs can still vary significantly depending on the specific model and make of the car. For example, premium EV models from brands like Tesla tend to retain their value better than some lower-cost models, which can significantly impact the total cost of ownership.
To conclude, while there's a positive trend for the value of used EVs, consumers should carefully consider this factor, along with the initial purchase price, charging costs, maintenance costs, and insurance costs, to gain a comprehensive understanding of the total cost of owning an EV. | finance |
https://www.ashlandcounty.org/treasurer/ | 2020-09-28T01:15:46 | s3://commoncrawl/crawl-data/CC-MAIN-2020-40/segments/1600401583556.73/warc/CC-MAIN-20200928010415-20200928040415-00001.warc.gz | 0.937245 | 187 | CC-MAIN-2020-40 | webtext-fineweb__CC-MAIN-2020-40__0__210469802 | en | |Ashland County Treasurer's Office|
Ashland County Courthouse
Angie McQuillen, County Treasurer
Your County Treasurer's office has a staff of two employees. Their responsibilities include collection of all real estate tax, and manufactured home tax. In addition, they record all monies received by any other county office from dog tag licenses to lunch money from Dale Roy School to immunization from the Health Department. In addition to collecting and recording the county money, the Treasurer is responsible for County Investments which includes a portfolio of $25 million dollars. As your County Treasurer, my goal is to assist the Ashland County taxpayers in the most efficient and professional environment possible according to the Ohio Revised Code.
Second Half 2019 Real Estate Taxes are due on July 8, 2020
Public Records Policy
2019 Ashland County Tax Rates now available
Pay your Real Estate Taxes Online!
Need Information on your parcel, go to the | finance |
http://www.wrekinroadrunners.org.uk/the-best-real-estate-investment-strategies/ | 2018-05-25T00:58:10 | s3://commoncrawl/crawl-data/CC-MAIN-2018-22/segments/1526794866917.70/warc/CC-MAIN-20180525004413-20180525024413-00237.warc.gz | 0.9623 | 1,138 | CC-MAIN-2018-22 | webtext-fineweb__CC-MAIN-2018-22__0__112664382 | en | Investing in property is more complicated than simply buying and selling residences. To assist brand-new real estate investors to decide which technique might work for them I put together 5 well-founded techniques. It depends on you which approach you really feel extra comfortable with.
1. Acquire as well as Hold
This property financial investment strategy is generally called rental homes. Coming to be a property manager is much easier than you assume. You buy a residential or commercial property, you promote it as “for lease” and you authorize a contract with your new lessee. That’s where the romance finishes. You should know a great deal regarding your obligations as well as your civil liberties as a proprietor or you will discover yourself in difficulty. Click here if you want to know more about Fountain Hills homes for sale.
Screening your prospect lessees is your first line of protection. Securing your home or business from damages is your very first obligation. I may painting a little dark picture of being a property owner. However dealing with lessees can be one of the most irritating work you ever had. Do on your own a favor and also check out a bookstore or library and also obtain as several books on landlording as you could obtain. Equipped with this knowledge you will have the ability to develop a positive cash flow and also a long term connection with your tenants whenever you put the “For Rent” check in the yard.
With the buy and hold technique you generally have 3 revenue streams addressing when.
Amortization; while paying your home loan you additionally decrease the amount you owe.
Recognition; while possessing the home it increases in worth.
Tax incentive; as a landlord you will be able to subtract your investment price over numerous years. (See you tax obligation expert for expert advice).
Based on this information you can easily see that also if the rent does not cover 100 % of your mortgage repayment you will still have the ability to produce a favorable capital.
This is the art of “buying” as well as “selling” realty financial investment without actually taking possession. In a flip scenario property agreements obtain appointed as well as the individual who appoints the agreement to someone else generally obtains a payment for their services. That’s exactly how you could generate income with property without debt checks or no cash down. Since you never acquire the residential property, you do not should apply for a home mortgage.
You only require 2 points to be able to flip a house. First, you should find an eye-catching property that will offer very rapidly. Second, you need to find a customer within a really brief amount of time. Normally 2-3 weeks. After that you simply flip the contract to the new customer and you will accumulate your commission at a so called “double closing”.
This appears challenging in the beginning, but with a little method you will certainly have the ability to produce a great income from this. Incidentally, this is the preferred idea of the majority of property “experts” that show up in late night paid announcements.
Rehabs are one of the most risky type of real estate investments. You search for an inexpensive, run-down building and you wish that your initial remodel expense price quotes will leave enough space for a great earnings. Well that’s the concept. Many investor are failing with this kind of approach.
You either really did not get the home affordable adequate to earn a profit or the problems are a lot more comprehensive than approximated which will certainly balance out the affordable acquisition price. To make matters worst. If throughout the rehab phase of usually 3-4 months the marketplace is going south all bets are off. Trust me, I made my share of experiences with this and also I told myself, never ever once more.
4. Business Property Investment
What pertains to your mind initially when you consider business property investment? Big manufacturing facility complexes, going shopping malls or maybe huge office complex. Well, my response is much simpler. Anything bigger than a 4 system apartment building, some call it fourplex, is taken into consideration industrial. The terrific thing with commercial realty is that the value of the building is determined by the rent revenue it produces and also not by just how crazy people are opting for bidding on property realty.
In theory there’s no such point as vendors or purchasers market for industrial real estate. I created a total post regarding the pros and cons of industrial real estate. So I maintain this short. Personally I enjoy business real estate. Of course, commercial property is basically off restrictions for newbies, since commercial real estate lending institutions intend to see some type of previous experience in realty investments. However, if you got some experience, go for it. As an added advantage; the competition is much less.
5. New Building
This is one of the most inexpensive and also easiest way of realty investment. Entering into the earliest stage possible of a brand-new advancement is a sure thing to make loan. Keep an eye on the market and also you will have the ability to offer your new home before building and construction is completed. The construction firms don’t like this, so they limit the number of homes an individual can purchase. However, maintain 1 or 2 residences regularly under construction as well as you will make some good earnings. Certainly this functions only in a vendors market. Steer clear of from this approach in a buyers market or when you see big changes in the regional real estate market. | finance |
http://www.comada.com/hedge-fund/hedge-fund-of-fund/ | 2013-05-18T21:37:16 | s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368696382892/warc/CC-MAIN-20130516092622-00029-ip-10-60-113-184.ec2.internal.warc.gz | 0.946222 | 520 | CC-MAIN-2013-20 | webtext-fineweb__CC-MAIN-2013-20__0__185615658 | en | Hedge fund of fund
Providing funds of funds with a better liquidity picture
Comada is a specialist provider of technology solutions for the hedge fund of fund sector. Our core M.A.T.ware technology has been developed to meet the needs of managers of alternative investment fund portfolios.
Our track record in developing connectivity applications for fund management organisations and banks has allowed us to build easy to deploy applications that meet the changing needs of hedge fund of fund portfolio managers.
M.A.T.ware – tracking real and hypothetical liquidity risks
M.A.T.ware is a web-delivered application that can be easily installed in any hedge fund of fund organisation. It does not conflict with legacy systems, and indeed can enhance the internal operations of a hedge fund of funds business. Beyond that, however, it can also help portfolio managers to track liquidity risk within portfolios, model various hypothetical scenarios involving funds held or prospective investments, and provide fund mangers with an unprecedented degree of oversight of their portfolios.
M.A.T.ware also lets the hedge fund of funds manager enjoy a high degree of connectivity with custodian banks and fund administrations, allowing real-time trade confirmation and accurate pricing information to be collated on a single screen and updated every day.
This level of communication with service providers is helping to revolutionise the way hedge fund of fund managers do business, helping them to address the increasing demands from investors for accurate and regular reporting, particularly in terms of liquidity risk.
Specialists in hedge fund of fund solutions
Comada’s established expertise and roots within the hedge fund of funds and structured products worlds mean we have the capacity and the historical knowledge to develop applications that bring real added value to hedge fund of funds operations.
Used by some of the leading banks and fund administrators in the alternative investments business, our technology is employed to improve existing processes as well as enable our customers to get ahead of the game when it comes to implementing new platforms and processes for their alternative investment businesses.
Flexibility combined with durability
M.A.T.ware represents over a decade of development in the hedge fund of funds space. It is designed to meet the demanding requirements of the manager of hedge funds of funds as well as those responsible for other alternative investment portfolios.
M.A.T.ware caters to a range of different structures, included limited partnerships and UCITS vehicles, but most importantly it is a highly flexible application that can mesh easily with existing reporting and risk management systems, and can easily import data from third party sources. | finance |
https://hip.cgph.net/faq/ | 2023-12-03T13:46:36 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100508.23/warc/CC-MAIN-20231203125921-20231203155921-00130.warc.gz | 0.929387 | 1,042 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__128160850 | en | What is the purpose of the program?
The Home Improvement Programs were created to assist eligible low and moderate households with repairs or replacement of major home systems (such as a roof or heating system) to correct existing interior and exterior health, safety and substandard code conditions.
How can this program benefit my household?
- The program provides funding to finance repairs and/or replacements of major home systems.
- The home improvements can make homes safer and more energy efficient.
- A professional inspector prepares the detailed work specifications, oversees the scope of work and construction, and confirms the work gets completed according to the work specifications.
What are eligible types of work?
Funds may be used only for work and repairs required to make the house code standard ,conserve energy and remove health and/or safety hazards.
In order to qualify for participation in the program, at least one of the following major systems must be in need of replacement or substantial repair:
- Plumbing (including sanitary plumbing)
- Load bearing structural systems
- Weatherization (windows, door, insulation)
What are the eligibility requirements?
- You own a residential property within the program’s geographic area and provide a copy of the recorded deed.
- The property taxes and, if applicable, mortgage must be paid up to date prior to application.
- You must have homeowners insurance.
- The household combined annual gross income must be below the maximum income amount listed for your household size in the program that covers your geographic area (see corresponding Homeowners Link)
- The home must have at least one major system in need of repair or replacement.
- Some programs have a sufficient equity requirement. The owner’s equity in the home must be greater than the maximum amount of assistance that could be made available by the Program. For the sake of this rule, the market value of the home will be calculated using the municipality’s assessed value divided by the equalization ratio. If you need assistance in determining equity, please call the case manager listed in the link to the program for your geographic area.
- If there are any repairs or renovations currently being undertaken on your home by others or yourself, or done within the last few years that require or required municipal permits, the work must be completed and the permits closed out prior to applying to the Program. Contact your municipal construction office if you have questions regarding construction permit requirements.
What is considered income?
The combined annual gross income of all household members including wages, regular overtime, social security, disability benefits, unemployment benefits, pensions, dividend/interest income, alimony, child support, etc. A complete list will be in the formal application package.
What about my confidential information?
- All applicants are assigned a case number to protect their privacy.
- All financial information is kept confidential.
- Only duly authorized persons will have access to the case files.
What are the funding terms?
There is no cost to apply and applying to this program does not affect your credit score. There are no monthly payments and no interest will ever be charged. Beyond that, funding terms vary between programs. Refer to the Homeowner Link for the program where you live for the specific funding terms.
What about rental properties?
For additional information regarding the terms for rental units, homeowners with rental units should contact the case manager on the Homeowner Link to the program that covers your geographic area.
How do I apply?
You can either submit a pre-application from the link on this website or you can contact the case manager listed on the Homeowners Link to the program that covers your geographic area. You will then be placed in the applicant pool/wait list. When you are invited to apply depends on the current openings for the program that covers your geographic area. With most programs you will be invited to apply within days. With other programs, you will be invited when an opening becomes available. The program will invite potential applicants in the order that they contact us.
What happens after I am invited to apply and submit a several page formal application?
A CGP&H case manager reviews your application and support documentation from which you are certified either eligible or ineligible. If you are determined eligible, a program inspector will schedule a property inspection with you to determine if your property meets the minimum requirements and to determine the full scope of work. The inspector will prepare a detailed scope of work for your review and approval. Once you review and approve the scope of work and contractor list, the work is sent out to bid, generally for a 3 week bid period. The submitted bids are reviewed and the job is awarded to the lowest responsible bidder. The homeowner has the option to select a higher bid and pay the difference between the chosen bid and the lowest responsible bid. The homeowner, contractor, and program inspector then have a pre-construction conference at which time the construction agreement and program loan documents are executed. The program staff will manage the construction process. Program payments will not be released to the contractor until approved by a program inspector and the homeowner. Upon completion, you get to enjoy the home improvements! | finance |
http://www.downsizingsimplified.com/household_contents_liquidating.html | 2017-02-27T04:21:40 | s3://commoncrawl/crawl-data/CC-MAIN-2017-09/segments/1487501172447.23/warc/CC-MAIN-20170219104612-00563-ip-10-171-10-108.ec2.internal.warc.gz | 0.958882 | 1,748 | CC-MAIN-2017-09 | webtext-fineweb__CC-MAIN-2017-09__0__205604537 | en | Kansas City Metro Area Residents
Please contact us regarding your upcoming sale needs. We'll be happy to discuss your sale with you. Mon. - Fri., 9:00 - 6:00 pm @ 816.358.6338
Liquidating or Dispersing Household Contents Following a Downsizing Move
or to Settle an Estate.
We're often asked, "What can I/we do with what's left after the move?" There are several options to consider when household contents need to be liquidated after a downsizing move (or to settle an estate). Making the necessary contacts and decisions prior to the move and having your liquidation plan in place is part of a successful downsizing transition.
Please review the various household liquidation options listed below. We consult with our customers regarding the best available option(s) and can provide guidance and assistance with aligning the right services to meet their needs.
Gifting or Selling to Family and Friends.
Gifting or selling items to family members and friends is a wonderful way to liquidate some of what remains in the home. Once you know what you won’t be taking with you, we suggest inviting family members and friends in to get a feel for what they may have an interest in. We also recommend that if possible, you talk with each person individually and keep a list or mark items as you go through the house.
In our downsizing seminars we’re often asked about the importance of each child receiving items of equal value. It would be nice if that were at all possible, but in most families, it just isn’t. Depending on the family dynamics, we find that most children and grandchildren will make emotion-based choices over monetary ones; that special personal connection to something, not the dollar value. And of course there are times when “drawings” can be used when more than one person shows an interest in an item. A downsizing move can be stressful and we encourage people to use creative ways if necessary to avoid additional stress in the family.
Here’s our cautionary statement for this section. Please don’t assume that what you have earmarked for a family member or friend will always be warmly accepted. To avoid having your feelings hurt or being disappointed in any way, we suggest that you ask before you give (get a feel for the interest level). Most people have more than their fair share of stuff to deal with and may not want anything additional in their homes. And many times
even a difference in decorating styles or tastes can keep the person from accepting something as a gift. It is not uncommon to see family china turned down as today’s young adults do not entertain in the same manner as their parents or grandparents. Whatever the case may be, we recommend asking first when it comes to passing things down through the family or gifting to friends.
Sale. Auction. Donate. Consign.
If there is enough content left in the house once you’ve moved, and if you’re truly downsizing there should be, you may decide to have a sale or an auction to liquidate what remains. There are different types of sales and each one is content-value-driven with garage sales being at the lower end of the money-making scale.
All sales must be advertised in order to draw buyers, so don't forget to figure in the cost of advertising. It's wise to also check with your community regarding sale-related signage and any restrictions or permits you may need in order to hold your sale. Playing by the rules of your city is smart and could keep you from having your sale shut down on the first day. Take the time and ask the questions.
Garage sales consist of general or everyday household, garage, and basement items priced fairly low in order to sell the merchandise as quickly as possible. These sales are typically managed by the seller (or family) and will net far less than a moving or estate sale, or auction. If you are considering a garage sale, keep in mind the time it takes to put a sale together. As you are sorting and paring down you may want to consider separating out and pricing items for the sale. Presorting and pricing of items may also be a time saver if you will be having a moving sale.
A moving sale has more items and an overall larger content value than a garage sale. This type of sale will also be managed by the family and will include furniture in addition to general household items. There are usually several rooms or areas in the home that have items for sale. Following the sale, the remaining contents are usually donated to a charitable organization.
An estate sale, or a living estate sale, will consist of a variety of higher-priced antiques and collectibles in addition to the everyday or general contents of the home. If the sale has a good mix of quality items, it will net the owner much more than a moving sale. Most generally, estate sales last several days and are managed by companies that specialize in estate-type content. These companies are very knowledgeable about antiques and collectibles and they have a good reputation in their community with a strong dealer following or loyalty (very important!).
Estate sale companies will vary as to their fee structures but most will charge a percentage of the sale proceeds in addition to other charges. Many companies will not hold a sale unless there is a minimum content value because of the amount of preparation work involved in setting up a sale. Best advice is to take the time to discuss and understand how the company does business--their fees, advertising, and general policies and procedures. Also try to plan in advance when hiring an estate sale company as their schedule may not be able to accommodate your sale when you need it.
An estate auction is the selling of the household contents for the highest price and if on-site, within a few hours. Today, many auction companies will not sell the contents of the house without also contracting to sell the real estate or the property. Depending on the seller’s situation and/or the estate, selling the property and contents in this manner may be advantageous as the entire sale is completed in a short amount of time. In addition, there are also auction houses that will pick up the contents (usually for a fee or an additional sale
percentage) and will sell it at, or within their place of business. Auctions can be the quickest way to liquidate an estate, but as with any major decision, it pays to thoroughly investigate your options.
Another fairly quick way to liquidate remaining household contents is by donating to a charitable organization. Again, investigate as some things have changed in the donation or thrift store business. Call ahead and ask what the organization will accept and if they have pick-up services. Some thrift stores (at least in the KC area) will no longer pick-up and some will make a pick-up only if there are pieces of furniture in good, usable condition. Many no longer want or will accept electronic equipment such as televisions or older technology like computer monitors, scanners, printers, etc. We had an organization tell us recently that they were no longer accepting any holiday items because they had no place to store them.
If you're needing a receipt for tax purposes you should compile your own list in advance and apply the value you believe the items are worth. The organization will also apply their values in most cases and then send you the receipt. Remember to ask questions of the donation center in advance in order to avoid misunderstandings or unnecessary work.
For good furniture, tasteful decorative items, and higher-end fashions, consigning to a shop that specializes in selling quality used items may be another consideration. Consignment shops typically work on a percentage of sale basis and may or may not have a sale time limit applied to the items consigned. The owner will usually confer with you regarding a fair market value price for the piece(s) being consigned in their business. If they have a time limit as to how long they have merchandise on their floor and it doesn't sell, they may request a mark-down on price(s). If the consignment item(s) does not sell following a reduction in price, they will request the item be picked up. Remember to check around to determine the shop that best fits your selling needs. You may also be responsible for transporting furniture to the shop--something else to think about.
Return from Household Contents Liquidating Having a Sale or Auction to Downsizing Simplified Home Page | finance |
https://ccsu.makekb.com/entry/161/ | 2024-03-02T04:25:12 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947475727.3/warc/CC-MAIN-20240302020802-20240302050802-00763.warc.gz | 0.894502 | 237 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__152021924 | en | Students are charged for printing in order to offset the cost of printer maintenance, paper, and toner. The PaperCut printing systems is set up in the Student Center, Library, and TechCentral (former Student Technology Center). Students need to have money on their CCSU Blue Chip ID card to print.
How to Access:
Choose File/Print from within an application on computers in the Library, (2nd and 4th floors), Student Center, or TechCentral. Print to the HP-Find-Me print queue.
How to Request:
All faculty, staff, and students have access to print via Papercut.
Current costs for printing:
You will need to have money on your Blue Chip card to print, balances may be checked at https://get.cbord.com/ccsu. Add money to your Blue Chip card online via WebCentral-Central Banner Web or by depositing cash in a Card Value Center. Please note that Flex Dollars are related to a meal plan and may not be used for printing. You will need money on your Blue Chip account to print.
Article ID: 161
Last updated: 13 Dec, 2022 | finance |
http://releasedatesnewcars.com/tesla/ | 2019-02-17T04:46:05 | s3://commoncrawl/crawl-data/CC-MAIN-2019-09/segments/1550247481612.36/warc/CC-MAIN-20190217031053-20190217053053-00356.warc.gz | 0.977937 | 853 | CC-MAIN-2019-09 | webtext-fineweb__CC-MAIN-2019-09__0__64921219 | en | Panasonic is one huge and very successful company. They slowly developed technology which is good enough for Tesla Motors and they now have the exclusive right to supply Tesla Motors with lithium ion batteries. We have already known that Panasonic has a good business relationship with Tesla but their most recent move caught us off guard.
We have already informed you about Tesla’s plans for Gigafactory. For those uninformed, Gigafactory is Elon Musk’s biggest investment in the auto industry so far. He wants to make a sort of revolution and to bring his electric vehicles available for general population by cutting down prices. That Gigafactory will have all steps of car manufacturing under one roof in order to do that.
The thing that surprised us was the official report. Panasonic will make Tesla Motor’s Model 3 lithium ion batteries exclusively, and it will raise 3.9 billion dollars in corporate bonds to invest into Gigafactory with Tesla. The investment this huge has to have some really durable backbone in order to be sustainable for a longer period of time.
Panasonic has “pledged” itself by contract as a principal partner with Tesla. The goal of the partnership was (is) to substantially reduce the price of long-range battery packs and to establish a facility which could mass-produce electric vehicles.
Since Panasonic sees automobile industry as a potential “wind in their sails”, the main priority is a successful Gigafactory. There is no evidence that can point to something bad in the production, but this investment is too large to be a mere partnership obligation. We already know that this is a big investment, and one of the greatest risks, Elon Musk has ever made, but can this be a hint that something bad is happening? Maybe the expenses grew too much for Tesla?
Let’s look at this situation from an economy point of view
After Panasonic raised 3.9 billion dollars from bonds to help Tesla’s Gigafactory, they immediately felt the 13 percent decrease in their profit and 5.9 percent drop in their total revenue, to about 17 billion dollars. The official report is that they believe the drop is caused by their deal with Tesla, but only partially. The main headquarter is in Osaka, Japan but they have special department only for automotive industry called Panasonic Automotive Systems Co. That department, solely, has the estimated revenue from auto parts sales of about 10 billion dollars in its 2015 fiscal year. So is their profit decrease important? Is it even noticeable?
Panasonic is a corporation with a long history. Their roots go before any of us were even born and they handled every situation, every crisis, even great war without stumbling. They went into this business with Elon Musk, with capital large enough to decrease their profit by a tenth in a second. But they did this for their long-term growth.
Tesla Motors is not a single company in Elon Musk’s hands. Everything that he has created brought him a great deal of money, but there were no easy steps. Every decision he made about his business was risky. We all looked at him in wonder, as he was spending millions (he earned by selling PayPal) creating his Roadster, and he earned billions by making that risk. Then he started building rockets and telling people he will go to Mars, and we laughed. A couple of months ago the entire USA filmed with their cameras some “meteor” going slowly into the atmosphere, but nobody knew that was Elon Musk’s rocket going back to its landing platform. Even NASA is using his rockets, so nobody is laughing now.
Historically and for the sake of future, we can only say that Panasonic has chosen the right ally in this silent war of economics. They couldn’t have chosen a better partner. And if they decided to back them up, that can only be a proof that there is nothing to worry about. In the end, only time will tell us if there is something “fishy” going on with Gigafactory and the future of Tesla. Or maybe we will never find out. For now, we can only sit, enjoy and wait for the next story. | finance |
https://re.report/featured-news/dreamscape-companies-and-meritage-group-acquire-new-construction-nashville-holiday-inn-and-suites-downtown | 2023-06-06T12:18:09 | s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224652569.73/warc/CC-MAIN-20230606114156-20230606144156-00248.warc.gz | 0.944707 | 717 | CC-MAIN-2023-23 | webtext-fineweb__CC-MAIN-2023-23__0__106570825 | en | A joint-venture between affiliates of Dreamscape Companies and Meritage Group LP completed the acquisition of the Nashville Holiday Inn & Suites Downtown, a newly constructed hotel situated in the heart of Downtown Nashville in the city's vibrant SoBro (South of Broadway) neighborhood. This purchase marks Dreamscape's second hospitality transaction in the city in 2021, having acquired The Sheraton Grand Nashville Downtown in June. The purchase of this 230-room hotel underscores Dreamscape's commitment to expanding its presence in the Nashville market, as well as identifying prime growth opportunities in key regional areas across the country.
"We are very pleased to be partnering with Meritage on this exciting deal. Nashville has long signified an area of keen interest for us, and after entering the market earlier this year with the purchase of The Sheraton Grand Nashville Downtown, we immediately knew that we wanted to expand our footprint in this booming city, which continues to attract tourists from all over the country as well as across the globe."
-Eric Birnbaum, Founder and CEO of Dreamscape Companies
"We are thrilled to be expanding our presence in Nashville given the strong market fundamentals. This transaction marks Dreamscape's fifth acquisition in the last year and fits squarely into our thesis to acquire assets in high-growth markets at an attractive basis."
-Scott Broder, President of Dreamscape Hospitality
The Nashville Holiday Inn & Suites Downtown, located at 415 4th Avenue South, has been outfitted with 230 rooms and 8,700 square feet of first-class meeting space, making it an ideal establishment for leisure and business travelers alike. The property, which opened its doors just two years ago, also includes the street front cocktail bar and restaurant, 4th and Peabody, which is preparing to undergo a thoughtful renovation, as well as an on-site parking garage. In addition to reimagining the hotel's dining concept, Dreamscape is also planning to integrate additional retail concepts within the property's expansive lobby.
"We are pleased to partner with Dreamscape to acquire another leisure-oriented, new construction hospitality asset in a dynamic growth market. This is a continuation of Meritage's broader commitment to investing in downtown Nashville, which began in 2017, and this marks our fifth investment in Nashville of strategically located, urban-core assets."
-Jared Halperin, a Managing Director at Meritage
Located just a short walk from the city's ever-bustling and widely trafficked Broadway strip, the Nashville Holiday Inn & Suites Downtown places visitors in close proximity to Bridgestone Arena; Music City Center, the city's convention center; and other iconic institutions and landmarks. Additionally, those craving the best Nashville has to offer will delight in knowing that the hotel is situated just across the street from Nashville's famous barbeque restaurant, Martin's BBQ Joint.
Dreamscape's mission is to create long-term financial prosperity through a diversified portfolio of differentiated, forward-thinking real estate projects. Led by Founder and CEO Eric Birnbaum, Dreamscape owns and operates residential, retail, hospitality, entertainment and gaming properties, (re)developing experience-centered spaces that focus on maximizing each property's intrinsic value.
About Meritage Group LP
Meritage is a fundamentally-oriented investment firm with assets under management in excess of $11 billion as of December 31, 2020. Meritage invests in public and private equity, credit and real estate. The firm has approximately 50 employees in offices located in Greenwich, New York City, and San Francisco. | finance |
https://royalearn.org/navigating-financial-excellence-unravelling-the-essentials-of-financial-lines-insurance-in-business/ | 2024-03-03T03:02:56 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476180.67/warc/CC-MAIN-20240303011622-20240303041622-00704.warc.gz | 0.930171 | 744 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__159028389 | en | Running a business comes with inherent risks and uncertainties, making protecting against potential losses and liabilities crucial. Commercial insurance is pivotal in providing a safety net for businesses, regardless of their size or sector. This article will delve into the foundations of business liability insurance, its significance, and why it is an indispensable component of a comprehensive risk management plan.
Foundations Of Commercial Insurance
Commercial insurance is a specialised coverage created to shield businesses from a spectrum of risks and potential financial losses. As a safety net, it protects against unforeseen events such as property damage, lawsuits, worker injuries, or natural disasters.
Various Types Of Commercial Insurance
Businesses can choose from various commercial insurance plans tailored to meet different industries’ unique needs and risks. Some notable categories include:
- General Liability Insurance: Covers monetary penalties from third-party lawsuits alleging personal, property, or bodily harm. *
- Insurance For Directors And Officers: Protects personal assets of directors and officers against lawsuits stemming from their decisions or actions. *
- Property Insurance: Covers physical assets like buildings and machinery and inventory against theft, fire, natural disasters, accidents, and other perils. *
- Business Interruption Insurance: May provide coverage for financial losses due to business interruptions caused by fires or natural disasters. *
- Workers’ Compensation Insurance: Mandatory in India, can pay for medical costs and benefits to workers who suffer illnesses or injuries at work. *
Benefits Of Commercial Insurance
Commercial insurance offers several advantages for businesses in India:
- Asset Protection: Safeguards tangible assets like property, machinery, and supplies against risks such as fire, theft, vandalism, and natural disasters.
- Liability Coverage: Liability business insurance shields against third-party lawsuits, covering settlements, awards, and defence expenses, alleviating financial burdens.
- Business Continuity: Covers lost income and ongoing costs during interruptions, ensuring businesses can maintain operations until normalcy is restored.
- Product Liability Coverage: Essential for businesses producing goods, it defends against lawsuits related to faulty products, covering legal costs and settlements.
- Employee Risks: Covers risks associated with employees, including workers’ compensation for injuries and employee liability insurance for complaints of wrongful termination, harassment, and discrimination.
- Professional Indemnity: Beneficial for service providers, it offers financial coverage for potential damages and legal defence costs in case of professional claims.
- Peace Of Mind:Allows business owners to focus on core operations without worrying about unforeseen events or liabilities, providing security.
- Legal Compliance: Ensures adherence to legal obligations, such as the requirement for workers’ compensation insurance in India, preventing fines and legal issues.
Commercial insurance is a crucial safety net for businesses, offering protection against unforeseen circumstances and potential financial losses. It provides a comprehensive solution to manage various risks, giving owners and stakeholders peace of mind. Beyond safeguarding assets and finances, business liability insurance allows businesses to concentrate on core operations and strategic expansion. Claims are subject to terms and conditions set forth under the commercial insurance policy.
Business owners must make informed decisions based on a thorough understanding of business property insurance nuances. Moreover, meeting the expectations of clients, partners, and regulatory agencies by having the necessary coverage in place enhances a business’s credibility and trustworthiness. By embracing commercial insurance, enterprises establish a robust foundation for long-term success, effectively managing risks and ensuring a secure future.
*Standard T&C Apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale. | finance |
http://autika.com/ | 2018-12-11T13:27:10 | s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376823621.10/warc/CC-MAIN-20181211125831-20181211151331-00012.warc.gz | 0.947752 | 290 | CC-MAIN-2018-51 | webtext-fineweb__CC-MAIN-2018-51__0__117769575 | en | Mergers and acquisitions can never be about finance alone.
In the digital sphere, the bigger picture is rapid growth – the ability to bring potentially powerful services or applications to the world before more global companies do it. This is the context we all work in. And this is where I come in.
It’s a stark truth that companies in the digital sphere must choose between growth or almost certain death. Growing organically simply takes too much time.
Conversely, young companies that go for growth through mergers or acquisitions are uniquely poised to play on a far wider regional, national or even international stage.
Not all opportunities are born equal. For the magic to occur, people that choose to go the M&A path must share the right combination of passion, values and professionalism in everything they do.
My role is to find companies with such people and conclude deals between them. Companies that match in terms of people, strategy, competencies and clients. The result is fast and above all scalable growth – the nirvana of every digital company.
If your company has hit a glass ceiling, if you see the need to add a new market to your offering or a new set of business skills to your offer, call me.
Through Autika I have concluded more than 30 M&A transactions in 13 European countries, raised capital from investors in 7 European countries and concluded MBOs and strategic partnerships.My latest transactions | finance |
https://www.joshuasoutpost.com/support/ | 2023-03-20T22:45:48 | s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296943562.70/warc/CC-MAIN-20230320211022-20230321001022-00564.warc.gz | 0.91918 | 275 | CC-MAIN-2023-14 | webtext-fineweb__CC-MAIN-2023-14__0__194465088 | en | Here are ways you can help lend your support!
While financial support is not (and will never be) required to access our content, your support in any amount would be greatly appreciated and will be re-invested to further the work of this ministry. For example, your assistance will not only help keep Joshua’s Outpost up and running, but it will also help us create and curate additional content and to grow our voice larger in proclaiming the Gospel to men all across the world. You may lend your voluntary support in one of the following ways:
Commit a monthly gift of $1, $5, $10, or $20 with Patreon. Choose the Tier that best suits you and enjoy exclusive discounts and free merchandise from Joshua’s Outpost shop.
Donate using your Venmo app
Contribute any amount you wish. Click here to contribute via Venmo
Prefer the traditional method? Checks from US institutions are welcomed! Email [email protected] for additional details
IMPORTANT TAX INFORMATION: Joshua’s Outpost is NOT a designated 501(c)(3) charitable organization, though giving directly connected to missions efforts are tax-deductible. Please consult your tax advisor to determine the deductibility of your gift. | finance |
https://science.autonomoussites.com/the-betrayal-of-ftx-sam-bankman-frieds-unethical-practices-revealed/ | 2023-12-03T04:22:27 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100484.76/warc/CC-MAIN-20231203030948-20231203060948-00455.warc.gz | 0.941604 | 895 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__252340159 | en | In a shocking turn of events, Zixiao “Gary” Wang, the former business partner of Sam Bankman-Fried, testified in court regarding Bankman-Fried’s unethical behavior. Wang, who co-founded FTX with Bankman-Fried, confessed to using FTX clients’ funds without permission to invest in Bankman-Fried’s personal hedge fund. As the trial unfolds, it becomes increasingly evident that Bankman-Fried knowingly manipulated the system for personal gain, leaving customers devastated and the future of FTX uncertain.
As the first major witness in Bankman-Fried’s trial, Wang shed light on the extent of his former partner’s illicit activities. Bankman-Fried faces seven charges, including fraud, embezzlement, and criminal conspiracy. These charges carry severe penalties, potentially leading to over 100 years in prison. It is evident that the collapse of FTX in November 2022 was a direct result of Bankman-Fried’s actions, as he committed FTX’s funds to risky endeavors through Alameda Research, his personal hedge fund.
Wang testified that Bankman-Fried intentionally modified FTX’s software in 2019 to grant unlimited funds withdrawal privileges to Alameda Research. This modification was concealed from the public and investors, directly contradicting Bankman-Fried’s public statements. He deceived journalists and investors by falsely claiming that Alameda was treated like any other trader on FTX and that customers’ funds were not utilized for other purposes. Wang’s revelation highlights Bankman-Fried’s willingness to break the law and deceive others for the sake of FTX’s growth and profitability.
The Implications of Stolen Customer Funds
As Bankman-Fried’s unchecked manipulation unfolded, customers’ funds were misappropriated without consent. It is estimated that $8 billion in customers’ funds were missing at the time of FTX’s bankruptcy, borrowed by Alameda and unable to be reimbursed. Bankman-Fried went to great lengths to cover up these transactions, requesting customer losses to be recorded under Alameda to protect FTX’s reputation. This egregious behavior not only violated the trust of FTX’s customers but also revealed Bankman-Fried’s disregard for the consequences of his actions.
Wang’s testimony also sheds light on the toxic culture fostered by Bankman-Fried at FTX. His willingness to break the law and lie to employees, journalists, and investors demonstrates a complete lack of integrity. Wang’s cooperation with federal prosecutors indicates his recognition of the wrongdoing and further exposes Bankman-Fried’s manipulation of those around him. This culture of deception ultimately led to FTX’s stunning collapse, leaving countless innocent parties in financial ruin.
While Wang’s testimony offers valuable insight into Bankman-Fried’s unethical practices, the trial is far from over. Former Alameda Research CEO Caroline Ellison, who has also pleaded guilty, is expected to testify and provide additional evidence against Bankman-Fried. As the trial resumes, the extent of Bankman-Fried’s wrongdoing will become even clearer, ensuring that justice is served.
The Repercussions and Uncertain Future of FTX
The revelation of Bankman-Fried’s unethical practices has irreversibly damaged FTX’s reputation. Customers who entrusted their funds to the platform are left questioning its integrity and security. The collapse of FTX not only resulted in significant financial losses but also created a level of uncertainty within the cryptocurrency trading community. It remains to be seen whether FTX can regain the trust of its former customers and rebuild itself from the ashes.
Sam Bankman-Fried’s trial has unveiled an alarming pattern of misconduct and deception. His selfish actions have caused immense harm to FTX’s customers and tarnished the integrity of the cryptocurrency trading community. As the trial progresses, it is crucial to hold individuals like Bankman-Fried accountable for their actions, ensuring a safer and more trustworthy environment for all investors. The outcome of this trial will undoubtedly shape the future of FTX and set a precedent for the consequences of unethical behavior in the crypto industry. | finance |
https://adglobi.com/Index/faq_payment | 2023-12-09T06:12:56 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100800.25/warc/CC-MAIN-20231209040008-20231209070008-00770.warc.gz | 0.896 | 286 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__113640789 | en | a. What are your payment terms?
- Our payment terms are simple – all campaigns must be pre-funded before they can go live. You can pay via our payment section, or when you place your order. Experiencing issues? Contact us at [email protected].
b. Is there a minimum or maximum amount that can be added?
- We set very reasonable minimums and maximum amounts for mobile app marketing campaigns. You can add as little as $1 or as much as $1,000 per transaction.
c. What are the available payment options?
We accept PayPal & Wire Transfer for global advertisers at present. However, we will be adding Skrill shortly. For Indian advertisers, we accept CCAvenue. We are also happy to accept credit cards, debit cards, Paytm, UPI & net banking, and more.
d. Do you accept wire transfer?
Yes, we do accept funds via wire transfer. Kindly check below bank details:
Payee Name: Adglobi Media
Bank Name: State Bank of India
Account number: 38554538571
IFSC code: SBIN0005551
SWIFT code: SBININBB531
Branch Name: KHOPOLI
Branch Address: Navanath Colony, DC Nagar Area, Shri Ram Nagar, Khopoli, Maharashtra - 410203 | finance |
https://www.thecreditexpress.org/business-funding/merchant-cash-advances/ | 2024-03-01T12:59:06 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947475311.93/warc/CC-MAIN-20240301125520-20240301155520-00138.warc.gz | 0.937841 | 578 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__81709356 | en | Merchant cash advances are currently the most popular form of alternative business funding methods out there, and we like to think it’s for good reason. Merchant Cash Advances allow you to sell off future credit card sales at a discount, which in turn will give you a loan-like way to get the money you need without having to jump through the hoops of typical lending methods.
How It Works
With a Merchant Cash Advance, what you are basically doing is selling off your future credit card sales for money right now. The company that gives you the advance is buying those sales at a discount, most often using a factor equation to figure out how much of a discount you will be selling those sales for. Overall, the average APR equivalent of a Merchant Cash Advance can range anywhere from 15% to 80%. (Your specialist can explain this in further detail.)
Why Our Clients Love Merchant Cash Advances
- It’s a popular trend, and it’s one you should consider joining if you need business funding in a flash!
- Approval within 24 hours, funding within days. Most MCA’s get approved within a single day, and funds are available in under a week.
- Simple, fee-free, no obligation applications. It only takes a single page of paperwork to get the funding you need. There’s no fees involved, and you’re not obligated to accept the offer if you decide against it.
- Tax deductible interest rates. It’s like getting a small bonus at the end of tax season.
- Bad credit is A-OK! Merchant cash advances don’t hinge on credit scores, so you can have a low credit score and still get funding.
- Advances can be up to $750,000. In other words, it will most likely exceed the amount of money traditional banks would have offered you.
- You get full control of the money. There are no limits on how you can use the money. It’s all up to you!
- Super flexible payment terms. Simply put, if you don’t make sales in one week, you don’t pay that week. This is because cash advances are about selling off your future sales. If you make more sales in one week, you pay more, but take less time to pay off everything.
- Short term lending. Most advances are paid off within 4 to 18 months.
- Get Cash Fast!
A Merchant Cash Advance is easy to apply for, and can get you the money that you need in a flash.
Ready to get started?
Give us a call to (678) 983-4555, shoot us an email to [email protected], or come over and visit us for coffee. | finance |
http://www.smartfees.com.au/directdebit.htm | 2013-12-11T19:00:05 | s3://commoncrawl/crawl-data/CC-MAIN-2013-48/segments/1386164043900/warc/CC-MAIN-20131204133403-00056-ip-10-33-133-15.ec2.internal.warc.gz | 0.859375 | 247 | CC-MAIN-2013-48 | webtext-fineweb__CC-MAIN-2013-48__0__143085741 | en | SmartFees Direct Debit
What are the benefits?
- Improve your cashflow
- Reduce bad debts
- Save time and avoid mistakes by eliminating manual payment entry
- Give parents an easy method of paying fees
- Send free emails and SMS to your direct debit parents
How does it work?
- Parents elect to have fee payments direct debited from either a bank account or a credit card.
- Direct debit transactions are triggered from within SmartFees CCMS by you and can then be sent to a secure payment processing gateway for authorisation and processing.
- Payments are then automatically deposited into your bank account.
- We recommend ChildCare EasyPay as your choice for processing of direct debit payments.
- For existing SmartFees clients, detailed instructions for setting up Direct Debit are available from the SmartFees online Help.
Click here to view the SmartFees Direct Debit webinar.
Click here for more information about SmartFees direct debit using ChildCare EasyPay.
For more information about ChildCare EasyPay, visit www.childcareeasypay.com.au.
Click here for more information about the ChildCare EasyPay /SmartFees partnership. | finance |
http://annualreport.rockefeller.edu/funding/ | 2017-07-23T02:33:56 | s3://commoncrawl/crawl-data/CC-MAIN-2017-30/segments/1500549424239.83/warc/CC-MAIN-20170723022719-20170723042719-00327.warc.gz | 0.936279 | 606 | CC-MAIN-2017-30 | webtext-fineweb__CC-MAIN-2017-30__0__129308923 | en | Only with structured, stable funding can scientists see their work progress from initial hunch to new technology. Rockefeller’s approach to funding is designed to direct dollars to the projects with the greatest potential.
Science by its very nature is a costly enterprise. To make progress, scientists must ask questions to which they don’t know the answers. Then, to answer those questions, they must dedicate considerable time, creativity, determination—and money.
Funding for science comes from many sources. Grants—especially from the federal government—play an important role in funding the work that takes place at Rockefeller, but it’s not enough. To tackle especially risky projects and to explore unexpected results, additional funding mechanisms are needed.
At Rockefeller, every faculty member receives an annual allocation from the university’s research budget, an unrestricted grant that the head of laboratory can use in whatever way he or she wishes. We also have money earmarked for work related to specific diseases, including cancer, digestive disorders, Alzheimer’s disease, and immune disorders, and for specific types of research, such as clinical research. These funds derive from the university’s endowment and from generous gifts made by private foundations and individuals. Rockefeller’s stable base of support, backed by a $2 billion endowment and maintained by our exceptional group of committed donors, makes it possible to do research that might never occur elsewhere.
Over the past few years, we have launched several innovative funding initiatives designed to encourage high-risk research and fill in the gaps left by traditional sources of revenue.
The Robertson Therapeutic Development Fund, established in 2014 with a gift from Julian H. Robertson Jr.’s Robertson Foundation, is dedicated to developing basic research discoveries into new medical therapies. Of the thousands of clinically promising innovations scientists come up with each year, the vast majority never advance beyond the lab. The Robertson Fund provides grants of $10,000 to $1 million or more to support medically significant research that has evolved beyond the basic research stage, but has not yet amassed sufficient data to attract industrial or venture capital.
Projects with pharmaceutical potential can also advance in the Tri-Institutional Therapeutics Discovery Institute, a joint initiative of Rockefeller, Memorial Sloan Kettering Cancer Center, and Weill Cornell Medicine. Staffed with experts in drug discovery from the biotech and pharmaceutical industries, the institute has independent funding to develop compounds and conduct “proof of concept” studies in order to demonstrate that targeting a specific biologic pathway can favorably alter the course of a disease.
Initiatives that support specific research areas play a critical role at Rockefeller, funding exploratory work and encouraging collaborations between labs working on similar problems. The Kavli Neural Systems Institute at Rockefeller, established with support of the Kavli Foundation, is a $20 million effort to promote interdisciplinary research and to tackle the biggest questions in neuroscience through high-risk, high-reward projects and the development of new research technologies. | finance |
https://bertigt.com/terms | 2021-04-17T08:34:50 | s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618038118762.49/warc/CC-MAIN-20210417071833-20210417101833-00044.warc.gz | 0.942787 | 110 | CC-MAIN-2021-17 | webtext-fineweb__CC-MAIN-2021-17__0__227205204 | en | Terms & Conditions
1) Payments: For wired payments, customer must bear the transfer charges.
2) PDC payments and credit facilities are not allowed.
3) Customer must make a 100% down payment in order for material to be released to the customer. Once payment is credited to seller, only then material is released to customer.
4) All sales are final, there are no refunds.
5) Berti General Trading LLC reserves the right to withhold the shipment to the customer in the event that terms are not met. | finance |
https://www.emcoshophk-printmats.com/pages/order-instructions | 2023-09-22T19:18:56 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506421.14/warc/CC-MAIN-20230922170343-20230922200343-00076.warc.gz | 0.915589 | 473 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__84160269 | en | - After selecting the products, click "Add to Cart"，then click "Checkout" in the shopping cart.
- Input the payment details and click "Place Order" to proceed to payment.
- When the order is successful, you will receive an order confirmation email. If you do not receive it, please check your spam folder. In case you still cannot find the confirmation email, please contact us.
- If electronic payment is selected, the payment process will be encrypted and handled by the respective platform. We will not attain any information of your credit card and related information. The payment platform may collect an extra service fee.
- If you choose to pay by bank transfer/ATM, you have to pay to the following account within 48 hours. The payment proof or deposit slip should be sent to (852) 5445 7075 via Whatsapp/ Signal. After order completion and receiving your proof of payment, generally we will validate and arrange the delivery in 10 working days, a notification email will be sent to you. If you still haven't received the notification after 10 working days, please call (852) 5445 7075 or email [email protected]. If you cannot complete the payment within 48 hours and send us the proof of payment, please notify us in advance, otherwise the order would be cancelled.
【Account details】Beneficiary Name: emco Novus International LimitedBank Name: Bank of China (Hong Kong) LimitedBank Code: 012Account No.: 885-2-028155-1
- Once the payment is completed, the order cannot be cancelled.
- In the order process please carefully choose the delivery method and input your information. The order cannot be edited after order confirmation. If you need local (HK) delivery services, you can choose SF services (delivery cost is paid by customers) or pick up the products in our office.
- SF delivery: After order confirmation and payment completion, products would be delivered within 10 working days. Delivery generally take 1-2 working days (for accurate delivery time please refer to SF Express, delivery fee is paid by customers.)
- If you choose to pick up in our office, please visit in our office hour.
Please read the Terms and Conditions before purchase. | finance |
https://omegafinancialgrp.com/ | 2023-03-27T14:12:42 | s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296948632.20/warc/CC-MAIN-20230327123514-20230327153514-00591.warc.gz | 0.943888 | 109 | CC-MAIN-2023-14 | webtext-fineweb__CC-MAIN-2023-14__0__99700964 | en | Our office is located in Trumball, CT
Request an insurance quote from a licensed insurance professional.
Request a no-cost consultation with a licensed insurance professional.
Omega Financial Group is a completely independent insurance agency focusing in Employee Benefits, Health Insurance, Life Insurance and Medicare strategies. We work with the top insurance companies so we can offer our clients the most suitable coverage for them. OFG's clients are located all across Connecticut and the USA, giving us a feel for the insurance landscape. Contact us today for a free consultation. | finance |
https://rosecal.com.au/risk-management/ | 2024-04-15T22:12:46 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817033.56/warc/CC-MAIN-20240415205332-20240415235332-00005.warc.gz | 0.932506 | 694 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__44567325 | en | What is risk management according to DIN EN ISO 9001?
The need to manage business risks, i.e. risk management, is not really new. Companies are well advised to include the associated level of risk in all strategic and operational decisions. Since executives show a divergent risk appetite, the legislator has acted with the law on control and transparency in the corporate sector in order to ensure a cross-company level. Management boards in particular are therefore obliged to implement risk management in accordance with ISO 9001 in the company.
The way in which risks are dealt with is, however, relevant from a further perspective, which is referred to in the course of banking regulation with the term “Basel Accord”. If companies want to raise capital on the money market, the financing conditions depend on the rating result of the lending bank, which evaluates the default risk of the borrower for the calculation. If a company operates a risk management system according to ISO 9001, the costs are reduced. On this page we will show you how you can secure financial resources for your organization by managing risks and thereby reducing the risk of tortious liability.
Reasons for risk management according to ISO 9001
The growing complexity of the market and the increasing pressure to succeed, combined with permanent change, often prompts companies to take ever greater risks. If a crisis then occurs, the cause is usually a so-called weakness in control, ie inadequate identification, analysis, monitoring and management of risks.
Risks can arise from external factors that affect what happens in the company and influence decisions in the company, such as:
Legislation and case law:
product liability, environmental protection, commercial law, etc.
change in purchasing behavior, political behavior
price and income development, population development, etc.
events : competitive pressure, drop in demand, falling prices, buyer claims, etc.
Internal factors as sources of risk
In addition to the above-mentioned external reasons, there are also a number of internal factors that can be identified as sources of risk in the company, such as:
- Technology: Plant condition and security
- Product design: product quality and safety
- Sales organization: product policy, drafting of contracts
- Information management: information technology, communication
- Capital base: capital structure and liquidity
- Personnel: qualifications and motivation
- Corporate culture: politics and leadership
Risk management according to ISO 9001 raises awareness with a view to the context
When looking at the external and internal factors that lead to risks, it is immediately apparent that DIN EN ISO 9001 also considers these criteria to be relevant. The determination of the context in the sense of the 2015 revision leads us directly to the risk factors of a company with internal and external issues. According to the note in subsection 4.1 of the standard, the understanding of the context can be promoted by considering the internal and external issues shown in the graphic on this page. In order for these aspects to be internalized in the company and implemented in appropriate planning and actions, an organizational development process is required that includes all employees as possible in an intensive communication process.
- legal environment
- Technical environment
- competitive environment
- market-related environment
- cultural environment
- Economic Environment
- Performance of the organization | finance |
https://heysuccess.com.ph/services/bookkeeping/ | 2024-03-02T03:40:28 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947475727.3/warc/CC-MAIN-20240302020802-20240302050802-00457.warc.gz | 0.932636 | 489 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__161840949 | en | Running a successful business requires clear financial visibility and control. Unfortunately, many businesses still rely on slow, manual processes that hinder their growth potential. At HeySuccess, we understand the importance of accurate financial information in making informed decisions. That’s why we offer modern and efficient accounting solutions backed by the latest technology.
With our streamlined record-keeping system and user-friendly software, you can access real-time financial reports anytime, anywhere. Gain a clear understanding of your company’s key financial information and avoid costly mistakes.
Experience the convenience and power of modern bookkeeping. Let us help you simplify your accounting tasks and unlock the full potential of your business.
Our range of services is designed to support your business growth and success by providing expert assistance in bookkeeping, business processing and liaison, compliance, and online filing.
We understand that every business has unique accounting needs. That’s why we have carefully selected a range of cloud-based bookkeeping software to suit various requirements. Whether you choose Xero, QuickBooks, Zoho, or Ojima, we’ll help you implement and optimize the software that best fits your business. With our expertise and these powerful tools, you can stay organized, improve productivity, and make well-informed financial decisions.
At HeySuccess, we strive to make bookkeeping as seamless as possible for your business. Our 5-step bookkeeping process is designed to provide you with top-notch service and support, while ensuring the financial health of your business. From initial consultation to ongoing support and optimization, we are with you every step of the way. Here are the five steps that outline how our bookkeeping service works:
By following these steps, we ensure that our Bookkeeping Service works seamlessly to provide you with accurate financial records, improved control, and valuable insights to drive the success of your business.
Ready to Transform Your Business?
*after sending in your info, you will be redirected to book a consultation call with HeySuccess
Thank you for visiting Hey Success PH, a social enterprise based in Baguio. Our team is dedicated to providing consulting and professional services that empower small and mid-sized enterprises (SMEs) for success. Discover more about our social enterprise and how we support thriving SMEs by clicking the button below.
Join our newsletter to stay tuned to the latest SDG opportunities and inspirations in the community! | finance |
http://adt-online.com/services-offered/debt-collections/ | 2022-05-17T17:25:35 | s3://commoncrawl/crawl-data/CC-MAIN-2022-21/segments/1652662519037.11/warc/CC-MAIN-20220517162558-20220517192558-00717.warc.gz | 0.919448 | 314 | CC-MAIN-2022-21 | webtext-fineweb__CC-MAIN-2022-21__0__141222222 | en | Debt collections is a key focus area for ADT. We work with various lending institutions, debt buyers and premier collection agencies in the US to service the consumer debt collections market. We recover debt in various stages of delinquency including 1st Party, Pre-Charge off, Primary, Mid-Primary, Secondary, Tertiary, Quaternary & Quints and work on products ranging from Bankcards, Retail Charge Cards, Signature and Personal Cards to Lines of Credit, Auto Loans and Telecom.
Intellicom’s debt collection operations have already figured in top debt collection rankings published by some clients. Our partnerships with various leading collection agencies have given us the opportunity to offer the best collection practices in the US worked out of India thus providing a mix of proven processes, scalability and efficiency.
Our services include:
- Pre and post-charge-off collections
- Early fraud identification
- Credit card activation
- Property recovery
- Disaster prevention and recovery
- Dormant judgment
- Pending bankruptcy
- Small balance
- Distressed portfolio
- Early-out collections
Training & Compliance – ADT has a training lab dedicated for Collections Operations and our best-in-class training programs enable collectors to operate professionally and ethically.
Comprehensive knowledge about the clients’ brand values, culture, product and services helps our team achieve business, quality and productivity goals while also reducing delinquency rates and maximizing recovery. All our collectors are FDCPA compliant. | finance |
https://hotelvillamartin.com/ways-to-calculate-pips-with-lot-size/ | 2021-12-04T22:05:35 | s3://commoncrawl/crawl-data/CC-MAIN-2021-49/segments/1637964363125.46/warc/CC-MAIN-20211204215252-20211205005252-00501.warc.gz | 0.91729 | 687 | CC-MAIN-2021-49 | webtext-fineweb__CC-MAIN-2021-49__0__113406449 | en | Pips are probably the most used term in the “Forex Market”. Forex market is the global online platform for exchanging foreign currencies worldwide. Traders from all around the world exchange currencies according to their needs and try to gain profit.
Generally, pip (price interest point or % in point) is the fluctuation in currencies in fractions of a dollar. Meanwhile, lot refers to the unit, used in measuring the transaction’s amount. In the trading process, the traders are required to know the value of pips with lot size to find out the amount of gained profit or incurred loss.
That’s why doing the calculation of pip with lot size is crucial. This can be done both by manually and with the help of different available pip calculators.
1. Manual Calculation through Formula
There are different available apps to do the task. But calculating the pips with a lot size through formula often provides the traders with some extra mental assurance.
So, what is the required formula to calculate the pip value with a lot size?
Well, The formula looks like this :
Pip value = ( 1 pip Lot size ) Exchange rate of currency
Short descriptions of the terms:
To calculate the pip value with this formula, you need to know the 1 pip amount which in general is 0.0001 in USD related currencies. But this value differs in case of JPY related combinations. In Japanese Yen, 1 pip = 0.01.
The lot size is divided into three main categories.These are Standard, Mini and Micro. In Standard lot size, 1 lot=100,000 units of given currencies; in Mini lot size the unit is 10,000 and in Micro the unit is 1000 in given currencies. You will enter your preferable lot size in the formula to calculate the pip value. Learn more from https://safetradebinaryoptions.com/pip-calculator/.
Exchange Rate of currencies:
The exchange rate of currencies is the value in which the currencies are being bought and sold by the traders. The value can be known from different sources and used to determine the pip value.
For example, If you want to calculate the pip value of EUR/USD and your lot is of Mini size, multiply 0.0001( 1 pip) with 10000 ( lot size) and divide the whole by current exchange rate ( It is 1.12181 now ). The calculated pip value is 0.89141 .
2. Calculation through Apps/ Websites
Calculation by the pip calculators is quite simple. You just need to enter the requirements, the pip value will be calculated and shown automatically. Some of the apps are FXTM (Forex Time Calculator), SafeTradeBinaryOptions, MyFxbook, CashBack Forex, XM Pip Value Calculator etc.
The traders tend to buy the currencies whose prices will probably increase. On the other hand, traders sell the currency whose price will fall.
If the traders manage to buy the currencies before the price rises and sell them in raised amounts, they gain profit. And if you are one of those traders, then at some point you will have to calculate the pips value with a lot size.
Hope the above description will meet your inquiries and help you in making your trading strategies and decisions. | finance |
https://www.fsbctx.bank/Online-Banking.aspx | 2024-02-26T10:46:53 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474659.73/warc/CC-MAIN-20240226094435-20240226124435-00874.warc.gz | 0.909917 | 712 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__205065831 | en | Farmers State Bank provides you with a variety of secure services to conveniently access your accounts while remaining in the comfort of your home. With Farmers State Bank Online Banking you can easily check account balances, transfer money, or even pay your bills. With online banking you can also review and print statements on demand.
Enroll in online banking today to take advantage of the many services offered to simplify your banking needs.
Online Bill Pay is a service provided to anyone with online banking to help you manage your bills. Take the hassle out of writing checks and managing bills with this easy-to-use service. Pay anyone in the United States that you would normally pay by check, automatic debit or cash. Paying your bills has never been more convenient.
Pay your bills in minutes: Pay bills without the added cost of stamps or envelopes. Whether you’re paying your babysitter, phone bill, or utilities, Bill Pay offers the capability to pay your bill directly through online banking. Schedule a one-time payment, or schedule recurring payments and avoid late fees and missed due dates. Bill Pay is easier and quicker than writing and mailing paper checks!
e-Bills: Save a trip to the post office and receive & pay your bills all in one place. An e-bill is an online version of your paper bill. With e-Bills, you can receive, review, and pay bills from hundreds of local and national companies through Bill Pay. e-Bills will save you time and paper!
Access Bill History: Bill Pay allows you to access 24 months of bill history.
Checking your account balance, transferring money, paying bills and even making deposits is now more convenient with our Mobile Banking App. FSBCTX is the app that provides you with the essential tools to manage your accounts through any mobile device.
Try our new feature, Mobile Check Deposit. This feature is built-in to Mobile Banking so you can conveniently deposit checks using compatible mobile devices. This in-app feature gives you the ability to make deposits by taking a picture of both the front and back of the endorsed check.
Another service we provide for Mobile Devices is Text Banking. Text Banking gives you the ability to check balances, make transfers and even locate ATMs all via text message.
Must be enrolled in Online Banking to participate in Mobile Banking. Some advanced features are only accessible through Online Banking. Message and Data usage charges may apply.
Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a services mark of Apple Inc. Google Play is a trademark of Google Inc. Amazon, Kindle, Fire and all related logos are trademarks of Amazon.com, Inc. or its affiliates.
Deposit in a Snap!
FSB Mobile Check Deposit allows you to deposit checks anytime, anywhere.
|Step 1: Touch the "Deposits" tab at the bottom of the app. Select "New Deposit" to continue.
|Step 2: Select the account you wish to deposit the money into. Enter the amount of the check you wish to deposit, then "Continue"
| Step 3: Be sure your phone settings allow FSBCTX to access your camera.
Capture photo of both Front and Back of the check you wish to deposit.
Be sure the check is endorsed. Below endorsement write "FOR MOBILE DEPOSIT ONLY".
|Step 4: Confirm the account details and amount, then select "Yes". | finance |
http://www.bedfordhighschool.co.uk/letters/funding-cuts-for-wigan-schools/ | 2018-06-21T19:35:44 | s3://commoncrawl/crawl-data/CC-MAIN-2018-26/segments/1529267864257.17/warc/CC-MAIN-20180621192119-20180621212119-00014.warc.gz | 0.963956 | 877 | CC-MAIN-2018-26 | webtext-fineweb__CC-MAIN-2018-26__0__134337242 | en | Planned Cuts in Funding for Wigan Schools
As you may be aware the government is planning to introduce a new “National Funding Formula” for all schools from April 2018. This is now the subject of a wide reaching consultation. The government’s stated intention is to introduce a funding formula that addresses the long-standing inequalities in school funding that have existed for many years. Those inequalities have led to areas such as Wigan receiving significantly less funding per pupil than many other areas of the country over many years. Unfortunately the impact of the planned changes will be to significantly reduce still further the money available to schools throughout the Borough.
The Wigan Schools Forum, a group comprising representatives of all schools and other educational settings in the Borough, recently met to consider the impact of the planned changes. The Forum agreed that this was of such importance that all schools be asked to forward a letter to parents explaining the impact of the changes; and asking you to make representation to the government opposing the changes and seeking a change in the new Funding Formula so that it actually delivers its stated aim of giving all schools an equitable share of the funding available.
To illustrate the impact of the new Funding Formula, in 2016-17 Wigan’s schools were the 72nd poorest funded in the country, however under the new National Funding Formula Wigan will fall to the 109th poorest funded. Under the new Formula from April 2017, 88 out of 99 primary schools and all secondary schools in the Borough will receive less funding than in 2016-17. The full impact of the planned changes on your school can be seen on the following website:
You may have also seen in the media that a recent report by the National Audit Office into school funding concluded that in order to meet cost pressures out of the control of schools, nationally schools will need to make savings of £1 billion in 2016-17, rising to £3 billion by 2019-20. This equates to an 8% real-terms reduction in pupil funding between 2014-15 and 2019-20.
Schools in the Borough, through the Schools Forum reached the following conclusions, which will be reflected in its response to the on-going government consultation:
whilst agreeing with the principles that underpin the introduction of a new National Funding Formula that is fair and equitable; the proposed Formula fails to deliver those objectives and actually disadvantages those areas that have traditionally received the poorest level of funding.
- fundamentally there is insufficient funding within the education system nationally and locally to allow schools to meet the budgetary pressures they now face;
- the new National Funding Formula fails to meet the objectives the government has set, as it is primarily based on historical funding and therefore, with the 3% cap on any loss of funding, the formula continues the inequalities that presently exist;
- the planned reduction in the percentage of funding allocated to each pupil and to the school lump-sum is of great concern because they are the key that underpin the funding to all schools;
- the proposals represented a lost opportunity to introduce a Funding Formula based on the actual costs of educating a child, regardless of where they live rather than be based on historical spend and use of national averages
We would like your support in our attempts to get the government to change its mind and amend the planned new Formula so it delivers what it set out to achieve and does not continue to treat areas such as Wigan unfairly.
You can do this by responding to the consultation, which closes at 5.00 pm on 22 March 2017. You can submit your comments on-line at:
You can also make representation via your local MP. They are Andy Burnham (Leigh Constituency) Yvonne Fovargue (Makerfield Constituency) Lisa Nandy (Wigan Constituency) and Chris Green (Bolton West Constituency). The best way to contact your MP is to write to him or her at the House of Commons. You can write to your local MP at:
House of Commons, Westminster, London SW1A 0AA
Alternatively you can e-mail them at:
Please help our schools by supporting their efforts to make the changes needed and to provide your school with the funding it needs to provide the best possible education for your child.
Adrian Hardy Chair of the Wigan Schools Forum. | finance |
https://solarshineenergyhub.com/are-solar-panels-worth-it-in-maine | 2024-04-13T14:53:41 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816820.63/warc/CC-MAIN-20240413144933-20240413174933-00095.warc.gz | 0.88021 | 1,902 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__69977857 | en | Are solar panels worth it in Maine? Maine, famously known as the Pine Tree State, is not just renowned for its scenic beauty but is also becoming a hotspot for solar power generation. With over 2600 hours of sunshine annually, it’s an untapped resource that homeowners are beginning to explore.
Yes, solar panels are indeed worth it in Maine. The state’s ample sunshine and supportive solar policies make it a viable investment. Over time, solar panels can lead to significant energy cost savings.
This blog post delves into the intricacies of solar panel costs in Maine, helping you understand if it’s a worthwhile investment for you. Harness the power of the sun, save on your bills, and contribute to a greener planet, all at the same time.
Table of Contents
Harnessing Sunshine: Is Solar Energy Profitable in Maine
Solar energy in Maine is not just a sustainable choice but also a profitable one. The state’s abundant sunlight and favorable policies convert into impressive returns on solar investments.
Substantial Savings on Utility Bills
In Maine, solar panels dramatically cut down utility bills. As you generate your electricity, you reduce your dependence on the grid, saving significantly in the long run.
State Incentives and Federal Tax Credits
Maine offers numerous solar incentives and rebates that lower the upfront costs. Additionally, the federal tax credit returns a substantial portion of the investment, making solar even more profitable.
Increased Property Value
Homes equipped with solar energy systems command a higher market value. Besides, they tend to sell faster than non-solar counterparts, adding another layer to the profitability of solar investment in Maine.
Maine’s Solar Boom: An Investment Worth Making?
Maine’s burgeoning solar market is a testament to its viability as an investment. Homeowners and businesses are increasingly adopting this green energy source, capitalizing on the state’s ample sunshine and robust solar incentive programs.
Firstly, adopting solar power in Maine is a move toward energy independence. By generating your electricity, you reduce reliance on utility companies, insulating yourself from fluctuating energy prices and securing energy for decades.
Secondly, the state’s incentive programs, along with federal tax credits, substantially offset the initial installation costs. These financial benefits make the transition to solar power more accessible and appealing to homeowners and businesses alike.
Lastly, solar installations significantly boost property value. Homes with solar systems not only benefit from lower energy costs but also higher resale value, providing an additional financial return on the investment.
Solar Power in Maine: A Good Return on Investment
Solar panels in Maine are indeed a wise financial investment. They offer significant benefits, making them worth considering for homeowners and businesses alike.
High Solar Irradiance
- Maine receives substantial sunlight year-round.
- Sunlight is a free, renewable resource.
- High sunlight exposure maximizes energy generation.
- Solar panels function effectively in Maine’s climate.
- More sun hours mean increased electricity production.
Net Metering Benefits
- Maine’s net metering policy is beneficial.
- Solar system owners get credited for excess electricity.
- Credits can be used when solar production is low.
- Net metering enhances the value of solar investment.
- It ensures maximum utilization of solar power.
- Solar panels reduce reliance on fossil fuels.
- They contribute to reducing greenhouse emissions.
- Solar is a clean, green energy source.
- They are investing in solar support for environmental sustainability.
- It promotes the shift towards renewable energy.
Shine a Light on Solar: Is Maine Ready?
Maine is indeed ready to embrace solar energy. With excellent solar potential and supportive policies, the state is geared up for a solar revolution.
A Robust Solar Market
- Maine has witnessed an increase in solar installations.
- There is high demand for solar energy systems.
- Installers are equipped with advanced solar technologies.
- Businesses are also turning to solar power.
- State policies support solar energy growth.
Infrastructure and Workforce
- Maine has the necessary infrastructure for solar installations.
- The state boasts a skilled solar workforce.
- Training programs enhance solar installation skills.
- Infrastructure development further encourages solar adoption.
- A skilled workforce ensures quality solar installations.
Public Awareness and Acceptance
- Maine residents have high solar energy awareness.
- Public acceptance of solar energy is growing.
- Numerous homes and businesses already use solar.
- Educational initiatives enhance understanding of solar benefits.
- Growing acceptance promotes further solar adoption.
The Future is Bright: Solar Profitability in Maine
Maine’s solar profitability is bright, with promising returns on investment and continuous growth in the solar sector. This adoption trend is fueled by various economic and environmental factors.
Growing Solar Industry
Maine’s solar industry is expanding rapidly, leading to job creation and fostering local economies. Development in this sector enhances the state’s energy independence and resilience.
Government support through incentives and tax credits lowers the initial cost of solar installations. This financial aid stimulates solar adoption by making it a more affordable and viable option for homeowners and businesses.
Switching to solar power significantly reduces carbon footprints. This transition supports Maine’s environmental goals, hastening the state’s progress towards a sustainable and clean energy future. By embracing solar, residents contribute to combating climate change.
Investing in Solar Panels: A Smart Move in Maine?
Investing in solar panels in Maine is indeed a smart move. The decision to switch to this renewable energy source offers a wide array of benefits that add to significant savings and a positive environmental impact.
Long-term Financial Savings
- Solar panels significantly reduce monthly electricity bills.
- Over time, savings outweigh the initial investment cost.
- Solar panel systems require minimal maintenance and repair costs.
- Net metering allows homeowners to earn from excess power.
- Federal tax credits and state incentives boost financial savings.
Enhanced Energy Independence
- Solar panels enable homeowners to generate their power.
- It reduces reliance on utility companies and grid electricity.
- Homeowners are not affected by fluctuating energy prices.
- Solar energy can be stored for use during outages.
- The abundance of sunlight in Maine guarantees a power supply.
Positive Environmental Impact
- Solar power is a clean, green renewable energy source.
- It reduces reliance on fossil fuels, reducing carbon emissions.
- Solar power generation does not release harmful pollutants.
- Each solar-powered home contributes to combatting climate change.
- Solar adoption supports Maine’s sustainability and environmental preservation goals.
Conclusion Are solar panels worth it in Maine
In conclusion, the future is indeed sunny for solar power in Maine. A fusion of robust government support, solar-friendly policies, and abundant sunlight positions this renewable energy source as a smart and sustainable investment. The benefits of solar reach beyond the financial, contributing to energy independence and environmental preservation. The time for Maine’s solar revolution in full force is now, and the invitation to join is extended to all. Harness the sun, fuel your homes, and let’s illuminate a brighter future together.
Q.01. Are solar panels worth it in Maine Reddit?
Reddit discussions suggest that solar panels are indeed worth it in Maine. Users highlight significant reductions in electricity costs, environmental benefits, and governmental incentives as compelling reasons for adoption. They underline that even with seasonal changes, solar panels provide consistent energy output.
Q.02. Solar panels Maine controversy?
There is currently a controversy in Maine surrounding the state’s net metering policy, with some arguing that it unfairly benefits solar customers at the expense of non-solar users. However, supporters of solar energy argue that net metering promotes fair compensation for solar owners and helps to incentivize renewable energy adoption.
Q.03. Maine solar incentives 2023?
The current Maine solar incentives are set to expire in 2023, but it is expected that new incentives will be put in place to continue supporting solar energy growth in the state. The specific details of these new incentives are still being determined. It is important for homeowners and businesses interested in adopting solar to stay informed about any changes or updates to Maine’s solar policies and incentives.
Q.04. Efficiency Maine solar loan?
Efficiency Maine offers a solar loan program for homeowners and businesses interested in installing solar panels. This loan covers up to 100% of the cost of equipment and installation, with a fixed rate and repayment period of up to 15 years. Interested parties can apply through participating lenders and must meet certain eligibility requirements. Efficiency Maine’s solar loan program aims to make solar energy more accessible and affordable for Maine residents.
Q.05. Efficiency maine solar loan lenders?
Efficiency Maine’s solar loan program works with a network of participating lenders to offer financing options for homeowners and businesses. These include local banks and credit unions, as well as national lenders such as Admirals Bank and Sungage Financial. Interested parties can visit Efficiency Maine’s website for a full list of participating lenders and their contact information. | finance |
https://archtower.com/biography/ | 2022-09-27T08:52:40 | s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030334992.20/warc/CC-MAIN-20220927064738-20220927094738-00533.warc.gz | 0.953582 | 862 | CC-MAIN-2022-40 | webtext-fineweb__CC-MAIN-2022-40__0__129762601 | en | Michael C. Mueller
Michael has been in the hospitality industry over 25 years and has led the acquisition and/or development of more than $20 billion of hospitality assets and has been directly involved with the creation and growth of several hospitality companies and brands, including; Starwood Hotels & Resorts, W Hotels & Resorts and NYLO Hotels. Michael’s vast experience with numerous lifestyle brands have made him one of the preeminent boutique hotel executives in North America.
Since 2015 Michael has been engaged in hospitality development, asset management and consulting via Archtower Capital, LLC a private company controlled by Michael and the initial sponsor of NYLO Hotels.
Michael was the visionary of NYLO Hotels, which he founded in 2004, and served as President and CEO until 2014 (New York, NY & Dallas, TX). Michael secured over $100M of equity and debt from Lehman Brothers and Merrill Lynch to launch the NYLO brand and develop the first three NYLO hotel properties in Las Colinas, TX; Plano, TX; and Warwick, RI. Michael led NYLO through the bankruptcy of Lehman Brothers and the recession of 2008-2010. In 2010 he negotiated a recapitalization that allowed NYLO to not only survive, but prosper. Michael added three additional third party owned properties to the NYLO brand in Dallas, TX; New York, NY; and Nyack, NY. Under Michael’s leadership, NYLO grew into one of the top boutique hotel companies in the United States with 6 hotel properties (3 owned, 5 operated, 1 franchised), $55M in revenues, $20M of EBITDA, over 200 employees and a brand RevPar penetration of 110%. Michael oversaw the sale of NYLO to an off-shore investor in December 2014.
Prior to founding NYLO Hotels, Michael spent 14 years with Starwood Capital Group and Starwood Hotels & Resorts. Michael played an instrumental role in the formation and growth of Starwood Hotels into one of the world’s largest hotel companies as well as the creation and expansion of the innovative W Hotel brand.
From 2002 to 2004 (New York, NY), Michael served as Senior Vice President for Starwood, in charge of global development, acquisition and construction for W Hotels. His efforts more than doubled the size of W, mostly via new-build projects such as the W Montreal, W Dallas and W Fort Lauderdale. He also developed and launched the W Residences product.
From 1998 to 2002 (London, UK) Michael served as Senior Vice President of development for all of Starwood’s brands in Europe, Africa & the Middle East, and he executed more than 50 transactions on behalf of Starwood’s hotel brands (St. Regis, W, Westin, Sheraton, Luxury Collection & Four Points).
From 1996 to 1998 (Phoenix, AZ) Michael served as Vice President of development for Starwood Lodging Trust (then a REIT), which underwent an incredible expansion, from a few dozen hotels and no brands, to well over 100 hotels and several brands, fueling an increase in its stock price from $15 in 1996 to over $50 by 1998. Michael was responsible for the acquisition of dozens of these hotels, hotel companies and hotel brands, including Westin Hotels (1998: $1.6B), and ITT Sheraton (1998: $14.6B).
From 1992 to 1996 (Chicago, IL & Greenwich, CT) Michael was one of the original members of Starwood Capital Group’s acquisitions team. During this time, he acquired real estate assets, businesses and loans on behalf of Starwood Opportunity Fund I and IA ($52M), Starwood Opportunity Fund II ($102M) and Starwood Mezzanine Investors LP ($220M). Michael was also intimately involved with the Starwood & Goldman Sachs acquisition of Westin Hotel (1998: $537M)
Prior to Starwood, Michael worked for City National Bank (Los Angeles, CA) in asset-based lending. Michael was born in Alaska, raised in Michigan and earned a BBA degree from the Undergraduate Ross School of Business at the University of Michigan, Ann Arbor. | finance |
https://aifc.kz/en/news/experts-discussed-the-role-of-anti-money-laundering-in-the-accelerated-growth-of-the-financial-industry-at-astana-finance-days-2022 | 2023-09-25T12:42:46 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233508977.50/warc/CC-MAIN-20230925115505-20230925145505-00147.warc.gz | 0.913451 | 643 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__177050106 | en | The session “Anti-Money Laundering: Challenges and Benefits for the Accelerated Growth of the Financial Industry” has taken place as part of Astana Finance Days 2022. The panel session was organised by the AIFC Financial Services Authority (AFSA). International and Kazakhstan experts reviewed global trends in the field of combating money laundering, discussed the specifics of compliance with the rules for controlling transfers in cryptocurrency, considered combatting anonymity mechanisms, and ensuring transparency of financial transactions to accelerate the growth of the financial sector and other issues.
The speakers of the session included AFSA Deputy CEO and Chief Regulatory Officer Gareth Ling, Executive Secretary of the Eurasian group on combating money laundering and financing of terrorism (EAG) Sergey Teterukov, XReg Consulting Partner Ernest Lima, Senior APAC Policy Advisor at Elliptic Tung Li, and Risk Strategy Specialist for the Customer Risk Intelligence group of Refinitiv Renata Galvao.
As a destination for international business, the AIFC strictly adheres to the standards of the FATF (Financial Action Task Force on Money Laundering), and the AIFC's effective regulatory system allows it to combat these risks through international financial services regulation standards.
“The beneficial ownership transparency movement is currently in the spotlight around the world, while the AIFC has integrated ultimate beneficial owner disclosure rules from the outset to prevent illicit financial flows from flowing through the AIFC,” said AFSA Deputy CEO Gareth Ling. - The ability to conduct business transparently and without reputational risks is key for international companies. The AIFC is a place where companies can apply high standards of conduct with confidence”.
This year, the Eurasian Group on Combating Money Laundering and the Financing of Terrorism (EAG) will conduct a second round of mutual assessment of the technical compliance of the legislation of the Republic of Kazakhstan with international standards for combating money laundering and the financing of terrorism (AML / CFT).
The Astana Financial Services Authority (AFSA) is the independent regulator of the Astana International Financial Centre (AIFC), which is established in accordance with the Constitutional Law of the Republic of Kazakhstan “On the Astana International Financial Centre” for the purposes of regulating financial services and related activities in the AIFC. AFSA administers the AIFC Regulations and Rules and is responsible for the authorisation, registration, recognition and supervision of financial firms and market institutions in the AIFC.
Over 1,400 firms from 64 countries are registered in the AIFC. These firms provide banking, insurance, investment, professional and other services. The range of financial services offered at the AIFC is comparable to the list of services available in long-established financial centers of the world, such as London, Hong Kong, Singapore, Dubai and others. www.afsa.kz
The Astana International Financial Centre (AIFC) is an independent jurisdiction that started operations in 2018. In accordance with the Development Strategy until 2025, the key focus of the AIFC is to consolidate as a universal platform connecting the countries of the EAEU, Central Asia and the Caucasus. www.aifc.kz | finance |
https://poker.stackexchange.com/questions/984/in-wsop-paying-taxes-depend-on-what | 2023-01-31T07:24:25 | s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764499845.10/warc/CC-MAIN-20230131055533-20230131085533-00254.warc.gz | 0.988246 | 230 | CC-MAIN-2023-06 | webtext-fineweb__CC-MAIN-2023-06__0__180822451 | en | When I'm looking for WSOP 2012 results payout structure, why some players paid taxes and some of them doesn't? Is their goverment getting this money from them? Is it about being illegal in their country?
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These are due to IRS regulations, and it isn't taxes paid, just withheld. The players must declare this money as income, less any deductions, to the IRS and then they can have the difference returned to them. For professional players, if they had losses and expenses to offset some of these winnings, they might get quite a lot of it back - even all of it. That's between them and their accountant and the IRS, the casino is just required to withhold that money.
Some countries have tax treaties with the United States and there is no withholding. That is why some players show no tax - but they still have to declare these winnings in their home country and pay taxes there, the casino just isn't required to withhold anything. | finance |
https://innergatepdx.com/blog/insurance-adjusters-car-accident/ | 2024-02-21T15:31:01 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473518.6/warc/CC-MAIN-20240221134259-20240221164259-00566.warc.gz | 0.92517 | 684 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__174360668 | en | Last Updated on October 6, 2023
Dealing with insurance adjusters after a car accident in Portland can be a stressful and sometimes complex process. While your health and recovery should be the primary focus after a car accident, navigating the complex world of auto insurance is also required for you to get access to all that insurance should provide.
Here are some steps to help you navigate the situation effectively.
Ensure Safety: First and foremost, ensure that everyone involved in the accident is safe. If there are injuries, call 911 immediately. Safety should be your top priority.
Exchange Information: Exchange contact and insurance information with the other parties involved in the accident. This includes names, phone numbers, addresses, insurance company names, and policy numbers.
Document the Scene: Take photos and videos of the accident scene, including damage to all vehicles involved, license plates, road conditions, and any relevant traffic signs or signals. This can be crucial evidence later.
Contact Your Insurance Company: Notify your insurance company about the accident as soon as possible. Be honest and provide them with all the necessary information. They will guide you through the claims process.
Don’t Admit Fault: Do not admit fault or discuss who is to blame with anyone at the scene, including the other drivers, passengers, or witnesses. Leave the determination of fault to the insurance companies and authorities.
Get Medical Attention: If you have any injuries, seek medical attention promptly. Keep records of all medical treatment and expenses related to the accident. Open a medical claim so that your treatment is covered by insurance.
Report the Accident to the DMV: If the accident resulted in injuries, death, or property damage exceeding $1,500, you must file an Oregon Traffic Accident and Insurance Report with the DMV within 72 hours.
Contact a Personal Injury Attorney: If you sustained injuries or significant property damage, consider consulting a personal injury attorney who specializes in car accidents. They can help protect your rights and negotiate with insurance companies on your behalf.
Be Cautious with Insurance Adjusters: When speaking with insurance adjusters, remember that their job is to minimize the amount the insurance company pays out. Be careful about what you say and avoid making recorded statements until you fully understand your rights and the extent of your injuries and damages.
Keep Records: Maintain detailed records of all interactions with insurance adjusters, including the date, time, and content of conversations. Also, keep copies of all correspondence, such as emails or letters.
Review Your Policy: Familiarize yourself with your insurance policy to understand your coverage, deductibles, and limits. This knowledge can be helpful when discussing your claim.
Seek Multiple Repair Estimates: If your vehicle was damaged, obtain multiple repair estimates from reputable auto repair shops to ensure you receive fair compensation for the repairs.
Stay Patient: Dealing with insurance claims can be a time-consuming process. Be patient, and don’t rush into accepting a settlement offer if it doesn’t adequately cover your expenses and damages.
Consider Mediation or Arbitration: If you and the insurance company can’t agree on a settlement, you may consider mediation or arbitration as alternative dispute resolution methods.
Know Your Rights: Familiarize yourself with Oregon’s insurance laws and regulations to ensure you understand your rights and responsibilities in the claims process. | finance |
https://kimsellsramona.com/evidence-stable-market-october-according-greater-san-diego-association-realtors-although-resale-home-sales-continue-year-ago/ | 2017-10-23T15:23:43 | s3://commoncrawl/crawl-data/CC-MAIN-2017-43/segments/1508187826114.69/warc/CC-MAIN-20171023145244-20171023165244-00716.warc.gz | 0.927768 | 520 | CC-MAIN-2017-43 | webtext-fineweb__CC-MAIN-2017-43__0__142285209 | en | More evidence of stable market in October, according to Greater San Diego Association of REALTORS® Although resale home sales continue to be down from a year ago
by Kim Swartz in Blog.
SAN DIEGO (November 7, 2014) – The San Diego County housing market continues to stabilize, according
to new housing statistics from the Greater San Diego Association of REALTORS® (SDAR).
The median price of single-family resale homes dipped slightly in October to just under $500,000. Sale
prices of condos and townhomes held steady at $337,500. Single-family home prices are about 4.5 percent
higher than a year ago, while prices of condos/townhomes are up 14 percent. Taken together, all resale
home prices are up about 8 percent from October 2013.
While month-over-month sales of previously owned single-family homes increased 2 percent in October,
sales of condo/townhouses decreased by more than 3 percent. Combined, sales are down about 9 percent
from a year ago.
The number of active listings on the Multiple Listing Service (MLS) in San Diego County is just under 8,000,
representing three months of housing stock. (Six months is considered a healthy inventory level.) On
average, homes on the market are being snapped up within about 45 days of being listed.
“These new numbers are encouraging because they tell us the San Diego housing market has become
more balanced,” said Leslie Kilpatrick, 2014 SDAR Board President. “Homes aren’t staying on the market
long, so homeowners who are thinking of selling are in a good position. While inventory has grown, the
most sought after properties sell quickly, so buyers need to be prepared to act. This not the time to sit on
the sidelines if a move is in your future.”
In the month of September, the zip codes in San Diego County with the most single-family sales were:
• 92057 (Oceanside) with 50
• 92028 (Fallbrook) with 49
• 92128 (Rancho Bernardo) with 45
• 92127 (Rancho Bernardo) with 44
• 92009 (Carlsbad) with 43
The most expensive listing sold last month in the county: a 6-bedroom, 9-bath, 12,585-square-foot home in
Rancho Santa Fe that sold for $6 million. | finance |
http://www.homemortgagett.com/home1/how-much-can-i-afford/ | 2018-07-16T20:32:08 | s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676589455.35/warc/CC-MAIN-20180716193516-20180716213516-00193.warc.gz | 0.951085 | 117 | CC-MAIN-2018-30 | webtext-fineweb__CC-MAIN-2018-30__0__34106616 | en | Your key consideration for mortgage financing is affordability. In order to qualify for a mortgage, you must, among other things, be able to afford to make your monthly mortgage payment.
Three factors determine what your monthly payment amount is:
- Mortgage amount
- Repayment period
- Interest rate charged
Your mortgage amount will be based on the amount of equity or down payment that you can provide after you have decided on the price of the property you want to buy or build. The repayment period and interest rate charged are variable factors and will affect the amount of your mortgage installment. | finance |
http://easystreetprops.com/resources | 2018-01-22T19:37:39 | s3://commoncrawl/crawl-data/CC-MAIN-2018-05/segments/1516084891539.71/warc/CC-MAIN-20180122193259-20180122213259-00099.warc.gz | 0.938487 | 548 | CC-MAIN-2018-05 | webtext-fineweb__CC-MAIN-2018-05__0__66199164 | en | Marketing Quick Course
Video No. 1
Smart Sheets Quick Course
Video No. 1
WHY THE QUAD CITIES?
The Quad Cities' real estate market is one of the best kept secrets in the country for real estate investors; with good reason too. Our company is locally owned and operated, so we have an intimate knowledge of the region and it's potential. With nearly 500,000 citizens, 200,000 housing units and plenty of room to grow, the Quad Cities' potential speaks for itself. 25% of these homes are rentals and nearly 8% are vacant. This is the perfect environment for positive cash flow with rent often exceeding the price of a mortgage! The higher than average ROI in the Quad Cities and our passion for providing quality homes has driven our company to become one of the best in the Midwest. For the same reason, we are confident when we say, "Passive Income Starts Here." Feel free to get in touch with us if you have any questions about the area, or click any of the links below for more information!
No Routine Maintenance
For the first 60 days. Should something go wrong, we’ve got you covered. Guaranteed.
We'll Pay the Rent
If your property were to fall vacant for more than 90 days, we pay the rent. Guaranteed.
No Leasing Fees
If your property falls vacant at any point during the first 9 months, leasing is free. Guarunteed.
Our average cash on cash return is 12%. We make it a point to under promise and over deliver. We have had properties over return over 20% and every day we strive to raise this metric.
We pay commission when you refer a colleague that chooses to invest with us!
If you choose to have us lease, the fee is 75% percent of the monthly rent price.
The management fee is 9% of the monthly rent.
We have been providing industry leading turn-key properties for 13 years now!
We currently manage 752 properties. We buy & rehab about 30 per month.
No, we take great pride in making sure that the investor, lenders and tenants are all on the same page.
Our rent is above market average which helps to attract higher quality tenants.
95.6% We base occupancy rate based on on-time rent collection. Even if the property is occupied, it really isn’t doing the owner any good if they are not paying their rent. As a data driven company, the most important metric we focus on is ROI. The more efficient we are, the higher your return, therefore our goal is to be at 100% occupancy rate. | finance |
http://house-buyer-arvada-co56674.full-design.com/Invest-In-Real-Estate-and-Make-Money-17578421 | 2019-05-21T09:51:28 | s3://commoncrawl/crawl-data/CC-MAIN-2019-22/segments/1558232256314.25/warc/CC-MAIN-20190521082340-20190521104340-00419.warc.gz | 0.947718 | 1,004 | CC-MAIN-2019-22 | webtext-fineweb__CC-MAIN-2019-22__0__206692734 | en | Real Estate Investing
It doesn't get much more fitting than real estate when you're looking to create real, lasting wealth.
We're communicating about the nature of wealth that can set you and your family at the top for decades-- or even generations-- while enjoying the type of financial freedom the majority of people only ever hope for.
It certainly doesn't hurt that real estate generally is pretty simple and straightforward to get into. You don't need to monitor charts, you don't have to track all the things transpiring in a dozen different sectors, and you really don't need to time your stock, option, or maybe crypto trades with the market-- hoping you reached the sweet spot instead of crater your life savings.
Naturally, there's a ton more to real estate investing than merely grabbing residential or commercial properties and observing your bank account grow along with each and every new outlay.
You must be aware of the market, you need to understand precisely what helps to make specific property investments valuable, along with you have to recognize effective ways to address the capital part of these types of dealings.
Financing particularly is a significant chunk of the bigger picture, considering that the different between taking advantage of private money in order to purchase repossessions and standard mortgage companies to aid with flipping homes can easily mean the difference between success and failure. The difference between producing 1000s (or even more) or losing 1000s (or more).
That's precisely where we come into play.
Presenting you all of the tools you will need to know the kind of insider confidential information that can surely improve your real estate investing career virtually overnight, the game changing material we put in your hands will most likely really help you navigate virtually every RE investment you come up with from here on out-- whether it's your initial deal or your hundredth.
We dive into the assorted type of real estate investments you can bring in (going well beyond the typical, surface level commercial lessons and residential lessons), understanding how to apply mixed-use properties, REITS, mortgage lending, and sale/leaseback tactics to revolutionize your portfolio practically right away.
You'll find out how to produce private money even more secure rather than classic mortgage brokers, how to work the property foreclosure niche in order to cash in on even more substantial gains, how you can ABSOLUTELY tidy up flipping homes, and how to market your homes with ridiculous rate of speed by totally shortcutting the "ordinary" real estate sales process.
Discovering when and how to pay off your home loan (and whether or not there's any legitimate advantage to paying it off right away), how to create LLCs to take care of your house holdings to limit your exposure, and the best ways to smartly manage your houses without having to be entirely hands on-- to ensure you are able to appreciate the prosperity your creating, as opposed to needing to slave away at a glorified occupation handholding the residential or commercial properties you've invested in-- are all part and parcel of the Real Estate you could try these out investment training programs our company offer.
Never again would anyone need to stress over jeopardizing your life savings on housing deals which end up being too good to be true.
Never again will anyone have to manage middle men which cut a part of our proceeds out of every financial transaction.
Never again will you need to fight with lenders and banks to get access to the money and capital you need to develop your real estate portfolio.
Instead, with our advice, you'll learn effective ways to make the markets work for see this you. You'll discover the best ways to pick out undervalued buildings and hidden gems, without having to have years of practical experience in the real estate world. You'll identify how to make the most of hard and private money, play assorted proposals of house loans against others as a bargaining tactic, and to sell your home more quickly than you actually though achievable previously.
We purchase properties for cash, and have been doing it for many years. In the event that you're prepared to understand EVERYTHING-- including some expert and market secrets you'd master no place else-- we're ready to unlock the door to your personal financial future. If you're ready to learn EVERYTHING-- including some insider and industry secrets you'd learn nowhere else-- we're ready to open the door to your financial future.
Drop us a line immediately!
Jay Conner, The Private Money Authority
Register for our Real Estate Cashflow Conference: http://bit.ly/jaymoneypodcast
The Conner Marketing Group
P.O. Box 1276,
Morehead City, NC
Real Estate Live Event: http://bit.ly/jaymoneypodcast
DISCLAIMER: Jay Conner is not a financial advisor, real estate broker, licensed mortgage broker, certified financial planner, licensed attorney nor a certified public accountant, therefore please consult with your professional prior to engaging in any real estate purchases. | finance |
https://logiwaste.com/en/archive/329-logiwaste-continues-with-aaa-rating-from-bisnode | 2023-05-27T22:53:36 | s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224643388.45/warc/CC-MAIN-20230527223515-20230528013515-00080.warc.gz | 0.951195 | 167 | CC-MAIN-2023-23 | webtext-fineweb__CC-MAIN-2023-23__0__174459001 | en | Logiwaste continues with AAA rating from Bisnode
Logiwaste has this year continued to achieve the highest credit rating AAA by Bisnode. This is a rating that only 3% of companies in Sweden reach up to.
The Trippel A rating from Bisnode has been around since 1989 and is today Sweden's most well-known credit rating system. To be rated as AAA - the highest credit rating a limited company can receive, requires that the limited company has been active for at least 10 years, trading over 2 million SEK and having key ratios that are significantly above the industry average.
Logiwaste Annual Report for 2016 is available here (English).
For more information please contact:
Sales Manager, Logiwaste
+46 (0)70 471 11 26 | finance |
https://www.agpd.org/124/Administrative-Services | 2023-12-10T23:55:28 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679102697.89/warc/CC-MAIN-20231210221943-20231211011943-00713.warc.gz | 0.922463 | 587 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__42481165 | en | The Administrative Services Department is responsible for the entire financial, accounting, and human resources operations of the City, including the receipt, disbursement and deposit in the treasury of all city moneys, assistance in the preparation of the city budget, maintenance of all accounting procedures and records, and personnel administration.
The Financial Services Division is responsible for maintaining sound fiscal management for the City.
These activities include:
- Ensure management and the City Council are informed of all matters materially affecting the financial health of the City.
- Prepare year-end closing entries, balance and reconcile all funds and accounts, coordinate and communicate with the City’s independent auditors and prepare the annual financial reports for the City and the Five Cities Fire Authority.
- Prepare and submit fiscal reports, including compliance audits of grant funds to state and federal agencies, in an accurate and timely manner.
- Provide financial analysis and fiscal information to departmental users, management and City Council, as needed.
- Provide oversight of the City's investment portfolio.
- Manage the City's annual budget process, including training and support for departments, analysis of department budget requests, and public presentation of the recommended budget.
- Provide expertise to City Council and departments on economic and financial conditions and policy issues affecting the budget.
The Accounting Services Division provides and maintains an accounting system of funds, accounts and internal controls in accordance with Governmental Accounting Standards Board pronouncements and Generally Accepted Accounting Principles (GAAP).
These activities include:
- Accounts payable data entry of claims submitted for payment and review of purchasing policy compliance.
- Payroll administration including data entry of time sheets and rate of pay.
- Initiate tax payments and issue quarterly tax reports.
- Initiate Public Employee Retirement System (PERS) payments and perform reconciliation to reports and payroll withholding.
- Reconcile billing statements with receivables and payroll withholdings by person for employees and retirees.
- Update the payroll system tables to reflect annual changes in tax tables, employee contracts, dues, or other items for paycheck accuracy.
- Perform electronic fund transfers for direct deposit, PERS, deferred and compensation, and taxes.
- Prepare and mail approximately 3,000 utility bills monthly, working closely with the Public Works Department.
- Maintain and manage an automatic payment option for customers to have their bills paid automatically from their checking account.
- Process approximately 1,000 service orders annually to utility customer accounts, including customer updates, water meter reading verification, bill collection efforts, and water service changes.
- Record and manage business licenses and regulations.
Please be advised that communications directed to the City, its legislative bodies and their members (i.e., City Council, Planning Commission) or City staff are public records, and are subject to disclosure pursuant to the California Public Records Act and Brown Act unless exempt from disclosure under the applicable law. | finance |
https://gb.biblaridion-online.net/6589-how-did-different-asset-classes-perform-during-the-we.html | 2022-12-03T23:16:51 | s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710941.43/warc/CC-MAIN-20221203212026-20221204002026-00631.warc.gz | 0.986091 | 402 | CC-MAIN-2022-49 | webtext-fineweb__CC-MAIN-2022-49__0__158880299 | en | We are searching data for your request:
Upon completion, a link will appear to access the found materials.
I read many years ago a story about someone in Germany in the 1920s who had been tipped a US dollar immediately seeking investment advice presumably because it was so valuable. Now, this did not make a lot of sense to me since ultimately it would still have the buying power of a dollar although perhaps with hyperinflation the situation is more complex.
Did stocks simply skyrocket as the value of a company's hard assets go up astronomically (in marks)? If you were a landlord, did you do well or at least do okay because rents went up or were you wiped out because of something like rent control/leases which meant that your tenants were paying you almost nothing for an apartment and you could not evict them?
In general, what sort of assets (besides gold and similar valuables) were good to have had during the German hyperinflation?
Mild inflation may often be good for stock prices, but when people cannot afford basic necessities, there may not be as much money available for speculative investment. In Wiemar Germany, stock prices were volatile but generally declining during the worst of the inflation. Below I've taken a graph from an article by Hans-Joachim Voth and added a thick red arrow to indicate 1923, the peak of hyperinflation.
As Voth states:
During the hyperinflation, German stocks were often extremely cheap. In November 1922, for example, the capitalization of Daimler Motor Work was equivalent to the value of 327 of its cars. Market volatility was extremely high, with share prices often changing by 30 or even 50 percent per month in real terms. (p.67)
How investors fared overall is a more difficult question to answer. In such a volatile market, I suspect there were both big winners and big losers. Overall, a lot depends on the specific time frame you look at. | finance |
https://newauthorpublishing.com/treating-book-like-business/ | 2021-01-21T21:27:00 | s3://commoncrawl/crawl-data/CC-MAIN-2021-04/segments/1610703527850.55/warc/CC-MAIN-20210121194330-20210121224330-00230.warc.gz | 0.95228 | 579 | CC-MAIN-2021-04 | webtext-fineweb__CC-MAIN-2021-04__0__85662472 | en | In Chapter 4 we reviewed some practical tips on both traditional and self-publishing. If you decide to take the self-publishing route, you’ll need to pay to have your book published. You can choose to pay in dollars, time or a combination of both. The goal is to sell enough copies of your book to recoup your costs. If the stars align, you may actually profit from publishing your book.
Are we running a business here?
Yes, it helps to think of publishing your book like running a business. Income – expenses = profit. It’s that simple.
Let’s start with income:
Income is generated by selling your books. Each sales channel will have a specific income. You may find that selling “author copies” of your book yields the most income per book sold. Selling on Amazon.com (in print and e-book format), and selling through an independent book store will also have a specific income per book sold. Has your self-publishing company provided the math on each sales channel?
Income per book is one thing, but number of books sold is another. Your task will be to estimate how many books you plan on selling through each sales channel, and then calculate you total income estimate.
Are you a speaker who does monthly talks with 50 new people in the room each time? Can you sell 10 books per talk? Do you own a yoga studio with 300 clients? Do you have 485 facebook friends that are interested in your book’s topic? Just sit down and think about how you plan on selling your book, and how many copies you estimate selling in the first year. If you sell 200 books at $4.00 profit per book, your net income will be $800.00.
Now for expenses:
It helps to look at income first, and that will tell you how much you can spend on publishing. If you only plan on making $800.00 net income, you might not want to spend $2,000.00 publishing your book.
Calculating total expenses is simply done by asking how much everything costs before you commit to anything. How much is editing? Do you need illustrations, a cover, formatting? Are you doing your own marketing? Many self-publishing companies show a nice detailed breakdown of what you get and how much it costs.
Knowing your “break even” point will help you decide what publishing company to use. If you never put yourself in a position where you need to sell 1,000 books just to break even, you might enjoy the experience a bit more. If your goal is to deliver a message to the world, you should find a way to do that while breaking even financially. Delivering your message and helping others might just be your form of profit. | finance |
https://www.taylorenergyct.com/cost-of-heating-oil-today/ | 2020-09-24T11:37:37 | s3://commoncrawl/crawl-data/CC-MAIN-2020-40/segments/1600400217623.41/warc/CC-MAIN-20200924100829-20200924130829-00115.warc.gz | 0.933117 | 304 | CC-MAIN-2020-40 | webtext-fineweb__CC-MAIN-2020-40__0__127108705 | en | Affordable energy is our priority.
Choose A Plan
Lock-In & Pre-Buy Program
Save yourself from seasonal price-hikes and purchase fuel during the warmer months. Choose from either a fixed price plan or a capped price plan.
- We fix the price per gallon, and your purchase is payable in full. The minimum for this plan is 500 gallons and through automatic delivery only. Any unused gallons at the end of the contract period will be credited to your account.
- Your price per gallon is capped and will not go above the price paid. If our discounted price is lower than your cap on the day of delivery, you pay the lower amount. It’s a win-win! A credit for the difference between the original payment and the lower price is automatically placed in your account. A non-refundable downside protection fee is associated with the capped plan.
Pay as You Go
Simply pay for your oil or propane deliveries as they occur. You can choose to enroll in automatic delivery for added convenience. We will send you an invoice due in full within 30 days or you can take advantage of our prompt pay discount and receive 25 cents off per gallon when you pay within 10 days of the delivery date.
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We accept credit card (MasterCard, Visa, Discover, Amex), checks or check by phone, and cash. Sign up for electronic payments to view your account balance and pay your bill online at no additional charge. | finance |
http://purcellfirm.com/real-estate.html | 2022-12-08T02:55:16 | s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446711232.54/warc/CC-MAIN-20221208014204-20221208044204-00366.warc.gz | 0.923291 | 319 | CC-MAIN-2022-49 | webtext-fineweb__CC-MAIN-2022-49__0__102594063 | en | With a 48 hour turnaround on title commitments we will get your loan to the table quickly and flawlessly.
In this market even a matter of minutes can make a difference to your bottom line. Superior customer service and going the extra mile for our clients is the philosophy on which our firm is based.
Once your title order request is received we go to work for you. After careful review of the title search, we obtain the necessary documentation to clear lines and encumbrances.
We will update you every step of the way and work with you to ensure your loan is ready to close when you are.
We close after-hours and weekends, we close in-office or at the borrower’s home. At the Purcell Law Firm, we are committed to providing the highest degree of excellence in customer services at prices significantly lower than the competition.
We offer mobile closings at your office of the borrower’s home at no additional cost to the borrower. We partner with you to deliver a smooth and efficient closing everytime.
Why Choose Us?
Our Professional Approach- We emphasize efficiency and accuracy. The attorney, Mr. Purcell, personally oversees every title and closing order.
Our Fast Turnaround- 48 hour turnaround on title commitments.
Our Personal Service- You will always be able to speak to the attorney and have your phone calls answered promptly.
Our Low Attorney’s Fees.
Our Customer's Satisfaction is Guaranteed. | finance |
https://alamanceartisans.com/2014/02/06/alamance-artisans-awarded-grassroots-grant/ | 2024-04-15T23:08:03 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817033.56/warc/CC-MAIN-20240415205332-20240415235332-00682.warc.gz | 0.953881 | 258 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__204867959 | en | The Grassroots Arts Program, administered by the NC Arts Council, provides per capita–based funding for arts programming to all 100 NC counties, ensuring opportunities for citizens to experience the arts in their own communities. Activities include festivals, concerts, dance and theater productions, artists in schools programs, galleries, Native American powwows, art classes, and African drumming circles.
In most counties local arts councils have been nominated by their county governments and approved by the NC Arts Council as Designated County Partners to manage grassroots funds and programs. The Alamance County Arts Council establishes a grants panel and accepts applications, provided that the state legislature approves funding for the Grassroots Arts Program. Even though that funding was in doubt, in 2013–2014 the Alamance County Arts Council was able to fund applications totaling over $13,000.
The Alamance Artisans Guild is grateful to have received a grant of $1,000 to support the growth of the Alamance Studio Tour by revamping its Internet presence. Each year guild members open their studios to thousands of visitors, introducing the guests to individual artisans’ processes and the abundance of talent in Alamance County. The studio tour substantively contributes not only to the personal incomes of working artists but also to the retail sales within our county. | finance |
https://scoutdb.org/2021/07/14/xiaomis-budget-smartphones-and-mi-smart-tvs-have-gotten-more-expensive-heres-why/ | 2021-10-18T10:31:44 | s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585201.94/warc/CC-MAIN-20211018093606-20211018123606-00226.warc.gz | 0.972843 | 304 | CC-MAIN-2021-43 | webtext-fineweb__CC-MAIN-2021-43__0__46217248 | en | Xiaomi has increased the prices of its budget smartphones and best smart TVs in India by about three to six percent, said to be related to the global semiconductor shortage and higher shipping charges. The price hike kicked in from Wednesday, June 30. A Xiaomi spokesperson told LiveMint in a statement that since last year, there have been shortages across the supply chain. “Due to massive demand-supply mismatch, the majority of components used in smartphones, Smart TV and other electronics gadgets (chipsets, display panels, display driver, back panels, battery etc) have seen constant upward movement in their prices,” the spokesperson told the publication.
The LiveMint report says that other players in the LED television space are also estimated to have hiked by about 3 percent to four percent this month as the cost of panels have gone up in the global market. This, besides an increase in logistics expenses. In April as well, prices had been hiked due to a rise in operation cost on account of increased ocean freight charges, and domestic transportation costs. The TV market is expected to grow to 284 lakh units in 2024-25 from 173 lakh units in 2018-2019.
In February this year, Xiaomi had announced its partnership with contract manufacturers BYD, DBG, and Radiant to strengthen its Make in India efforts. The company had tied up with BYD and DBG for smartphones while the partnership with Radiant was aimed at augmenting Xiaomi’s capacity of smart TVs in India. | finance |
https://prosperfinance.com.au/bridging-loan/ | 2023-11-30T14:45:25 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100227.61/warc/CC-MAIN-20231130130218-20231130160218-00179.warc.gz | 0.923417 | 148 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__192461965 | en | Time to move on to a new home? A bridging loan can be a convenient stepping stone between selling your existing home and buying the next property.
Bridging loans are intended for short-term use and usually carry a higher interest rate than other home loans. They are generally secured against your property allowing you to utilise the equity in your existing property.
Prosper Home Loan Specialist will find an appropriate bridging finance solution for your situation. With our help you can feel confident that you understand the key considerations and challenges of a bridging loan.
We offer you:
- Knowledgeable guidance in choosing the appropriate loan solution
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https://laborcenter.berkeley.edu/the-public-cost-of-a-low-minimum-wage-in-georgia/ | 2023-09-24T06:04:33 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506623.27/warc/CC-MAIN-20230924055210-20230924085210-00511.warc.gz | 0.944309 | 1,607 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__271514135 | en | In July 2019, the U.S. House of Representatives passed the Raise the Wage Act, which would increase the federal minimum wage in steps to $15 by 2025. The minimum wage has been $7.25 since 2009 – the longest-ever period without an increase. Georgia is one of 21 states that continues to use the federal minimum wage rather than establish a higher state rate.
This data brief estimates the public cost to Georgia and the federal government from the use of safety net programs by low-wage working families who would be directly affected by an increase in the minimum wage to $15 an hour by 2025. We find that just over half of these Georgia families (51%) are enrolled in at least one safety net program, at an annual cost of $4.7 billion.
In addition to improving the lives of Georgia minimum wage workers and their families, passage of the Raise the Wage Act would reduce the burden placed on federal and Georgia-funded public safety net programs, which working families turn to when their employers do not pay them enough to meet their basic needs.
Definitions and Data
We are examining working families’ utilization of the five largest means-tested safety net programs for which data is available: Medicaid; Children’s Health Insurance Program (CHIP); basic household income assistance under Temporary Aid for Needy Families (TANF); Earned Income Tax Credit (EITC); and Supplemental Nutrition Assistance Program (SNAP).
This analysis focuses on the families of year-round workers who would receive a direct pay increase as a result of the Raise the Wage Act. “Affected working family” is defined as a family where at least one member worked year-round (at least 45 weeks during the year) for at least 10 hours a week and earned less than $13.49 per hour (in 2019 dollars). This wage is equivalent to $15 in 2025 dollars. We exclude from the analysis those who work only part of the year, as well as those who would receive indirect pay increases due to wage-push caused by the higher minimum wage.
All amounts are adjusted to and reported as annual averages in 2019 dollars. Medicaid figures exclude aged, blind, and disabled enrollees. Our calculation method is described in the Appendix. The analysis reflects pre-COVID labor market conditions.
Table 1 shows Georgia’s enrollment of low-wage working families directly affected by the Raise the Wage Act in the five public safety net programs between 2015 and 2019. Among affected working families, there are 800,000 Georgia children and adults enrolled in the health programs. There are 600,000 affected working families participating in EITC and 300,000 receiving SNAP benefits. TANF data are not provided due to sample size constraints.
More than half (51%) of affected working families are enrolled in one or more safety net program in Georgia.
Table 2 shows the annual combined Georgia and federal expenditures on all the public safety net programs together, the expenditures for affected working families only, and the share of the total expenditures that goes to affected working families. Just under half (49%) of dollars spent on safety net programs in Georgia go to affected working families, at a cost of $4.7 billion.
America’s public safety net programs provide a lifeline to families that need help to meet their basic needs. When firms pay workers too little to make ends meet on their own, they rely on these programs to help make up the difference. Passage of the Raise the Wage Act would move these working families in the direction of self-sufficiency and reduce their utilization of safety net programs. A $15 federal minimum wage would release some of the pressure on the safety net caused by low-wage industries, and allow state and federal dollars in Georgia to be more effectively targeted.
To calculate the cost to the federal government and Georgia of public safety net programs for low-wage working families (defined as having at least one family member who works 45 or more weeks per year and 10 or more hours per week, and earns less than $13.49 per hour in 2019 dollars), we mainly rely on two sources of data: the March Supplement of the U.S. Bureau of Labor Statistics’ Current Population Survey (CPS), and administrative data from the Medicaid, CHIP, TANF, EITC, and SNAP programs. Medicaid figures exclude aged, blind, and disabled enrollees. The March Supplement, also known as the Annual Social and Economic Supplement, asks respondents about receipts of cash and non-cash transfer payments during the past year and includes questions about the programs we examined in this analysis.
To create the enrollment estimates for each program and the cost estimates for EITC, TANF, SNAP, and CHIP, we re-weight the CPS so that its cost and enrollment totals match the administrative data. To create the Medicaid (for both adults and children) cost estimates we use the state-level per enrollee spending figures published by the Centers for Medicare and Medicaid Services (CMS) multiplied by the enrollment totals from the administrative data. We then sum the number of enrolled families (defined as having at least one family member participating in a program) and the cost of their benefits to obtain the total program enrollment and cost. We then repeat this process using only low-wage working families (defined as above) to obtain our total enrollment and cost for working families. For further detail see the earlier report Fast Food, Poverty Wages: The Public Cost of Low-Wage Jobs in the Fast-Food Industry.
Bobby Scott, “Text – H.R.582 – 116th Congress (2019-2020): Raise the Wage Act,” Pub. L. No. H.R.582 (2019), https://www.congress.gov/bill/116th-congress/house-bill/582/text.
Michael Reich and Rachel West, “The Effects of Minimum Wages on Food Stamp Enrollment and Expenditures,” Industrial Relations: A Journal of Economy and Society 54, no. 4 (2015): 668–94, https://doi.org/10.1111/irel.12110; Rachel West and Michael Reich, “A Win-Win for Working Families and State Budgets” (Center for American Progress; UC Berkeley Institute for Research on Labor and Employment, October 1, 2014), https://irle.berkeley.edu/a-win-win-for-working-families-and-state-budgets/.
Jeanette Wicks-Lim, “Mandated Wage Floors and the Wage Structure: New Estimates of the Ripple Effects of Minimum Wage Laws,” Political Economy Research Institute, University of Massachusetts Amherst, PERI Working Paper Series, 116 (2006), http://scholarworks.umass.edu/peri_workingpapers/94/.
Sylvia Allegretto et al., “Fast Food, Poverty Wages: The Public Cost of Low-Wage Jobs in the Fast-Food Industry” (UC Berkeley Labor Center), accessed December 8, 2020, https://laborcenter.berkeley.edu/fast-food-poverty-wages-the-public-cost-of-low-wage-jobs-in-the-fast-food-industry/.
Jacobs, Ken, Ian Eve Perry, and Jenifer MacGillvary. The Public Cost of a Low Minimum Wage in Georgia. UC Berkeley Labor Center, December 2020. https://laborcenter.berkeley.edu/the-public-cost-of-a-low-minimum-wage-in-georgia/. | finance |
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