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https://www.osdisc.com/products/bitkey-1420-live-cd-64bit.html | 2020-07-13T13:49:23 | s3://commoncrawl/crawl-data/CC-MAIN-2020-29/segments/1593657145436.64/warc/CC-MAIN-20200713131310-20200713161310-00165.warc.gz | 0.963702 | 207 | CC-MAIN-2020-29 | webtext-fineweb__CC-MAIN-2020-29__0__137142013 | en | BitKey is a bootable system image based on Debian containing everything you need to perform highly secure air-gapped Bitcoin transactions. You don't need to install it to a hard drive because it runs live from RAM.
Under the hood it contains a swiss army knife of handy Bitcoin tools that support a wide range of usage models, including a few very secure ones which would otherwise be difficult to perform. We created BitKey because we wanted something like it for our own use.
We're avid Bitcoin fans but after going to our first local Bitcoin meetup we discovered the elephant in the room was that there was no easy way to perform cold storage Bitcoin transactions where the wallet lives on an air-gapped system physically disconnected from the Internet.
The idea was to see if we could use the TurnKey GNU/Linux build system to create a self-contained read-only CD/USB stick with everything you need to perform Bitcoin transactions with as much security as you wanted - including highly secure air-gapped Bitcoin transactions. | finance |
https://viberenthq.com/testimonial/yellow-hire/ | 2019-08-19T19:29:48 | s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027314904.26/warc/CC-MAIN-20190819180710-20190819202710-00086.warc.gz | 0.948212 | 274 | CC-MAIN-2019-35 | webtext-fineweb__CC-MAIN-2019-35__0__168504157 | en | Originally operating six items of equipment, increasing customer demand presented an exciting opportunity for Yellow Hire to expand their business. With the increasing number of machines, Yellow Hire was losing valuable time managing their rental business manually across whiteboards and spreadsheets.
- Yellow Hire started using Viberent to manage their entire rental operations – one system to control inventory, raise quotes, schedule maintenance and generate invoices integrating directly with their accounting package.
- As the team continued to expand, Viberent’s cloud-based system and mobile applications meant everyone could access the system anywhere, anytime.
- Yellow Hire saved at least 8 hours each week on data duplication and manually managing inventory.
- The business was able to grow quickly knowing they had a system in place to control their rental operations
- Yellow Hire now has over 60 items of equipment and growing!
“Using Viberent’s mobile app, I can now check our live inventory, pending quotes and deliveries while I am on the road which keeps me up to date with everything in the business. We no longer spend a day each month searching for invoices to upload into our accounting system. Viberent does that for us with the click of a button and we strongly recommend the system to anyone that asks”.
Arne Joyce – Yellow Hire | finance |
https://touchstone-global.com/workers-face-early-retirement-dilemma/ | 2022-08-14T18:21:16 | s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882572063.65/warc/CC-MAIN-20220814173832-20220814203832-00224.warc.gz | 0.980576 | 405 | CC-MAIN-2022-33 | webtext-fineweb__CC-MAIN-2022-33__0__76404283 | en | While many are thinking about working longer to put some extra cash for retirement in the bank, a medical team claim people who retire early enjoy better health and live longer.
That sets a conundrum for retirement savers.
If they retire early and live longer, they may not have enough money to fund a comfortable retirement as their funds run out before they die.
On the other hand, working longer to put more money aside for retirement could mean they are not so healthy once they give up their job and live a shorter life.
The theory from a team of Dutch researchers was based on a group of civil servants who were all granted early retirement in 2005.
Health benefits of stopping work
They had to be aged 55 or over and with no less than 10 years continuous service.
The study found that men who retired early were 2.6% less likely to die in the next five years than those who stayed at work.
Similar investigations in the USA, UK, Germany and Israel all concluded that retiring early had positive health effects. The American study found that retiring early reduced the risk of diabetes and heart attacks by a fifth.
Medical evidence suggests illness in retirement can be due to loneliness or isolation and a US study highlighted that those giving up work early were less likely to suffer depression or loneliness, while physical workers like builders who are used to heavy exercise because of the nature of their jobs are more likely to become obese in retirement.
Linking improved health with retirement
Linking early retirement with better health is not always obvious as many people give up working because of failing health. This can give a false impression that retirement leads to poor health and early death.
The studies also indicated that having more time in retirement to exercise contributes to a healthier lifestyle and living longer.
Balancing the need for saving enough money for retirement against surviving more years with good health is not an easy choice.
But, as the saying says, there’s no point ending as the richest man in the graveyard. | finance |
http://excelbyjoe.com/how-to-change-the-values-on-the-axis-in-an-excel-chart2/ | 2018-02-21T01:06:21 | s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891813187.88/warc/CC-MAIN-20180221004620-20180221024620-00157.warc.gz | 0.937708 | 187 | CC-MAIN-2018-09 | webtext-fineweb__CC-MAIN-2018-09__0__180042591 | en | When you create a chart, Excel automatically fills in the axis with a range of numbers which many times will make the chart tougher to read. It will usually start the values at 0 even though you might need to start it higher. Below is an example.
It lists CPI rates by month. However the smallest is about 2.3% and the largest is 4%. However this chart starts at 0%. If we want to change that, you have to do the following:
Click on the chart and then click on the axis values, which is this case is the percentages. You should then see a box around them.
Click format under chart tools and then click Format selection on the far left.
This will bring up a dialog box. At the top of the first page are the minimum and maximum values. This is where you can change the values.
So now you should have a new chart that looks like this: | finance |
https://hometownhearth.com/the-tax-benefits-of-an-efficient-wood-stove-insert/ | 2023-09-23T01:20:56 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506429.78/warc/CC-MAIN-20230922234442-20230923024442-00466.warc.gz | 0.940862 | 642 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__4106674 | en | Many homeowners supplement their primary home heat source with a wood stove. Besides adding an instant, cozy atmosphere, a modern wood stove costs less to operate than a gas fireplace, and it’s extremely energy efficient. Wood stoves operate by burning compressed wood or biomass pellets to create heat. Biomass is an energy source derived from organic materials and a low-carbon fuel. In generating heat, a steady flame is produced and regulated by moving fuel from the storage container to the hopper to guarantee optimum efficiency. Not only can these stoves reduce your overall utility bill, but they can also lessen the use of fossil heating fuels that are damaging the environment. The chimney confidants at Hometown Hearth explain how we’ve been leveraging this program and what it means for you as the homeowner.
What Is the Wood Stove Tax Credit?
On December 28th, 2020, new legislation was signed into law—a 26% federal tax credit for wood stoves and wood stove installations complying with the Biomass Thermal Utilization. The new tax credit is under Section 25(D) of the US Internal Revenue Code. It came into effect on January 1st, 2021, and will last until December 31st, 2022, before it drops to 22% in 2023. Below we touch on the main points and explain which stoves qualify.
The wood stove tax credit began on January 1st, 2021, and states that if you purchase and install a wood or pellet stove with a Thermal Efficiency Rating of at least 75% or higher, you will be eligible to claim an uncapped credit based on the total cost of the stove, including purchase and installation. What makes a wood stove qualify for the 26% tax credit?
- The stove must meet the 2020 EPA standards
- 75% efficient wood stove or higher
- Must be purchased and installed in 2021 or 2022
You must claim your credit for the year your stove was installed. You can claim the credit on IRS Form 5695 under Residential Energy Efficient Property Credit. If you made a previous qualifying stove purchase and would like to receive a credit, you can file an amended return using IRS Form 1040-X. At Hometown Hearth, we can deliver top-notch chimney repairs required for a safe installation of these wood units so you can receive the uncapped tax credit. If you’re interested in buying a qualifying stove, you can search the Wood Stove Database, and our team would be happy to help with purchase and installation.
Why Choose Hometown Hearth for All Your Hearth and Chimney Product Needs?
For almost 30 years, the friendly chimney confidants of Hometown Hearth have provided customers across Philadelphia, Delaware, and Chester Counties with the highest quality hearth and chimney products, installation, repair, and restoration services. Whether you need help determining if you own a 75% efficient wood stove or are interested in learning if your current stove qualifies, our team is here to help. If you’re ready to enjoy the best wood fireplace and wood fireplace inserts installed by our team, contact us today at 610-833-1034 to get started. | finance |
https://tubeyou.us/what-are-the-5-parts-of-an-insurance-policy/ | 2024-02-29T15:03:17 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474843.87/warc/CC-MAIN-20240229134901-20240229164901-00275.warc.gz | 0.918188 | 626 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__160424047 | en | Insurance policies are the foundational blueprints that provide individuals, families, and businesses with the protection and peace of mind they need in the face of uncertainties. Within these documents lie the key components that outline the terms, coverage, and obligations of both the insurer and the insured. Join us as we dive into the intricacies of insurance policies, breaking down the five essential parts that make up their structure.
1. Declarations Page: Your Insurance Identity
Consider the Declarations Page at the front door of your insurance policy. This section acts as your introduction to the policy’s details. It includes essential information such as the policyholder’s name, address, policy number, effective dates, and insured items or individuals. It’s essentially the snapshot that encapsulates the who, what, and when of your coverage.
2. Insuring Agreement: The Heart of the Matter
The Insuring Agreement forms the core of the insurance policy. It outlines the promises made by the insurer to the insured. This section specifies the type of coverage provided, the risks or events that are covered, and any limits or conditions associated with the coverage. In essence, it details what the insurance company is obligated to do in the event of a covered loss.
3. Coverage and Exclusions: Navigating the Boundaries
Within this section, the policy outlines the scope of coverage – what’s included and what’s not. It lists the risks or events that the policy will cover, as well as the situations where coverage may be denied. This section helps policyholders understand the boundaries of their insurance protection and make informed decisions about their risk management strategies.
4. Conditions: The Rules of Engagement
Conditions lay down the rules that both the insurer and the insured must follow. These can include requirements for notifying the insurer of a claim, cooperating during the claims process, and adhering to any specific actions to mitigate losses. This part is vital for ensuring a smooth claims process and avoiding potential disputes.
5. Endorsements and Riders: Customizing Your Coverage
Think of endorsements and riders as the customizable features of your insurance policy. These are additional provisions that can be added to your policy to tailor the coverage to your specific needs. Whether you’re looking to increase limits, expand coverage, or add specialized protection, endorsements, and riders allow you to fine-tune your policy to match your unique circumstances.
Understanding the anatomy of an insurance policy is like having a map through uncharted territories. The five essential parts – Declarations Page, Insuring Agreement, Coverage and Exclusions, Conditions, and Endorsements and Riders – collectively provide a comprehensive guide to your insurance coverage. Just as a well-constructed building needs a solid foundation, your insurance policy’s structure ensures that you’re protected, informed, and equipped to face life’s uncertainties head-on. So, the next time you receive an insurance policy, remember that it’s not just a document; it’s a blueprint for safeguarding your future. | finance |
https://desitechmusings.wordpress.com/tag/governance/ | 2018-07-17T05:21:10 | s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676589573.27/warc/CC-MAIN-20180717051134-20180717071134-00486.warc.gz | 0.940914 | 272 | CC-MAIN-2018-30 | webtext-fineweb__CC-MAIN-2018-30__0__210240227 | en | Unprecedented corporate fraud in Software History
An estimated $1.5 billion (Rs 7600 crore) may have disappeared in the fraud confessed to in 2009 by the now-jailed chairman of Satyam Computer Services Ltd. Satyam’s failures were many and systemic—from a weak auditing process to ineffective board oversight to a leader intent on committing fraud. For corporate leaders, regulators, and politicians in India, as well as for foreign investors, this “Enron moment” demanded a reassessment of the country’s progress in corporate governance. The resignations of an unprecedented 620 independent directors over the following year added to the mounting concerns.
As a consequence, India’s ranking in the CLSA4 Corporate Governance Watch 2010 slid from third to seventh in Asia. The CLSA report stated that India “has failed to adequately address key local governance challenges such as the accountability of promoters (controlling shareholders), the reputation of relatedparty transactions, and the governance of the audit profession.” The ensuing debate over reform approaches has raised such questions as, “How well are India’s companies being governed?” “Why the failures?” “Where were the regulators?” “What must be done to ensure that directors abide by best practice?” | finance |
https://financejosh.gumroad.com/l/howtoinvest | 2021-11-30T23:38:34 | s3://commoncrawl/crawl-data/CC-MAIN-2021-49/segments/1637964359082.76/warc/CC-MAIN-20211130232232-20211201022232-00502.warc.gz | 0.931581 | 758 | CC-MAIN-2021-49 | webtext-fineweb__CC-MAIN-2021-49__0__145882114 | en | If you’re reading this, you’re only a few clicks away from making one of the best decisions of your life...
A decision that may help you live a longer, happier life - free of the stresses faced by the many and avoided by few. This book is the key to a door that allows you to experience life differently when unlocked.
Whether you want to retire twenty years younger, or you want the ability to help the people closest to you, the decision that you make in the next few minutes has the power to impact your life in unimaginable ways.
“The most important investment you can make is in yourself."
- Warren Buffett
Don’t see this as a ‘purchase’ - it isn’t. It is an investment in yourself!
An investment that will allow you to spend more time with your family and friends.
An investment that has the potential to improve the quality of life for generations to come.
An investment to live a better life.
I've had countless people tell me that reading my book will make them $500,000+ in the next few decades once they implement my strategies or avoid unnecessary financial advisor/fund management fees. My book is $20 and if it has made/saved some of my readers $500,000, that's a 2,499,900% return on investment. Yes, you read that right.
Make the right choice today. Invest in yourself and invest in your future.
Content in this eBook
- How the Stock Market Works
- How to Diversify your Portfolio
- Index Fund vs. ETF (Pros and Cons)
- List of the Best Index Funds/ETFs (USA, UK, EU) + How to Find the Best Index Funds/Index ETFs
- How Compound Interest Works + The Rule of 72
- How to Avoid Paying Unnecessary Fees
- The Best Investing Strategy + Investing Principles to Follow
- How to Minimize Taxes When Investing (Roth IRA, 401k, ISA (UK)) + more
- The Best Brokerages (USA, Canada, UK, EU) + How to Find the Best Brokerage
- The 4% Rule
- The Three-Fund Portfolio
- Additional Resources for Investors
- Stock Market Glossary (35+ Must-know Terms)
- + Much More!
What is index investing?
Index investing is a hands-off investing strategy that requires little to no management. This book explains everything from getting started to minimizing your tax liability once you've made your fortune.
Is this book suitable for complete beginners?
Yes! I've purposely made this book easy to read, easy to digest, and easy to apply.
I'm not from the USA. Does this strategy work outside of the US?
Yes. The investing strategies within this book, including tax strategies, can be used in any country.
If I don't understand something in the book, can I ask you for help?
Of course! Send me an email at [email protected] and I'll be happy to help clear anything up.
What Readers are Saying...
If you aren't 100% satisfied after reading, send me an email at [email protected] within 30 days, and I'll give you a full refund.
What have you got to lose? Grab it now!
You will receive this eBook instantly.
Got any issues?
Shoot me an email at [email protected] and I'll get back to you as soon as possible. | finance |
https://faqsnow.com/web-stories/alex-de-minaurs-6-million-net-worth-proves-hard-work-pays-off/ | 2023-02-06T18:58:45 | s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764500357.3/warc/CC-MAIN-20230206181343-20230206211343-00804.warc.gz | 0.978088 | 171 | CC-MAIN-2023-06 | webtext-fineweb__CC-MAIN-2023-06__0__268362812 | en | Australian Tennis Player Alex de Minaur Reaches $6 Million Net Worth
Alex de Minaur is an Australian professional tennis player who has a net worth of $6 million.
He has earned his wealth through endorsement deals with companies such as Nike, Lacoste and Wilson and also by winning various tournaments throughout his career.
His career highlights include reaching the quarterfinals at the 2019 US Open, making it to the finals of the 2019 Next Gen ATP Finals, and achieving a career-high ranking of world number 18 in early 2020.
He has also won four singles titles on the ATP Tour and represented Australia at the 2018 Davis Cup Final.
Alex de Minaur is one of the most promising young players on the men's tour and his net worth will continue to grow as he continues to achieve success. | finance |
http://www.nelson.com/catalogue/productOverview.do?Ntt=287383784139518751820925278281857137&N=197+4294967208+4294966564+4294966563&Ntk=P_EPI%7C%7CP_EPI&Ntx=mode+matchallpartial | 2020-09-24T14:28:20 | s3://commoncrawl/crawl-data/CC-MAIN-2020-40/segments/1600400219221.53/warc/CC-MAIN-20200924132241-20200924162241-00584.warc.gz | 0.781965 | 707 | CC-MAIN-2020-40 | webtext-fineweb__CC-MAIN-2020-40__0__274422700 | en | International Financial Management, 12th Edition
- Jeff Madura
- ISBN-10: 1133947832
- ISBN-13: 9781133947837
- 752 Pages | Hardcover
- Previous Editions: 2012, 2010, 2008
- COPYRIGHT: 2015 Published
Equip your students for success in international finance with the depth of theory and practical applications in this best-selling text. Madura's INTERNATIONAL FINANCIAL MANAGEMENT 12E builds on the fundamental principles of corporate finance to provide the timely information and contemporary insights your students need to prosper in today's global business environment. Well-known for its inviting reader-friendly style and clear explanations, this book introduces international finance with a focus on the important role of modern multinational corporations in global commerce. The book discusses a wide range of managerial topics using a strong corporate perspective and updates throughout the text emphasize the most recent financial changes and industry trends to prepare your students for contemporary practice. This edition also highlights financial reform and its impact on international finance today with "Financial Reform" margin call-outs. Online Articles as well as expanded real-world applications and clear, relevant examples provide the hands-on experience your students need to understand and effectively manage within the dynamic field of international finance. Instructive diagrams, learning features, and self-test opportunities further guide your students to the strong understanding of financial theory they'll need for international finance success.
Part I: THE INTERNATIONAL FINANCIAL ENVIRONMENT.
1. Multinational Financial Management: An Overview.
2. International Flow of Funds.
3. International Financial Markets.
4. Exchange Rate Determination.
5. Currency Derivatives.
Part II: EXCHANGE RATE BEHAVIOR.
6. Government Influence on Exchange Rates.
7. International Arbitrage and Interest Rate Parity.
8. Relationships among Inflation, Interest Rates, and Exchange Rates.
Part III: EXCHANGE RATE RISK MANAGEMENT.
9. Forecasting Exchange Rates.
10. Measuring Exposure to Exchange Rate Fluctuations.
11. Managing Transaction Exposure.
12. Managing Economic Exposure and Translation Exposure.
Part IV: LONG-TERM ASSET AND LIABILITY MANAGEMENT.
13. Direct Foreign Investment.
14. Multinational Capital Budgeting.
15. International Corporate Governance and Control.
16. Country Risk Analysis.
17. Multinational Capital Structure and Cost of Capital.
18. Long-Term Debt Financing.
Part V: SHORT-TERM ASSET AND LIABILITY MANAGEMENT.
19. Financing International Trade.
20. Short-Term Financing.
21. International Cash Management.
All supplements have been updated in coordination with the Main title.
Please see Main title page for new to this edition information.
Accessible from the instructor companion site, Cengage Learning Testing Powered by Cognero is a flexible, online system that allows you to author, edit, and manage test bank content from multiple Cengage Learning solutions; create multiple test versions in an instant; and deliver tests from your LMS, your classroom, or wherever you want. The Cognero Test Bank content is tagged according to Tier I (Business Program Interdisciplinary Learning Outcomes) and Tier II (Finance-specific) standards, topic, Bloom's Taxonomy, and difficulty level. | finance |
https://www.bankoftucson.com/ | 2018-10-21T00:09:20 | s3://commoncrawl/crawl-data/CC-MAIN-2018-43/segments/1539583513508.42/warc/CC-MAIN-20181020225938-20181021011438-00066.warc.gz | 0.886377 | 304 | CC-MAIN-2018-43 | webtext-fineweb__CC-MAIN-2018-43__0__203353794 | en | Email Link Disclaimer
Notice: Because there is a risk that information transmitted via Internet email could fall into the wrong hands,
Bank of Tucson suggests that confidential information, such as account numbers or social security numbers, not
be transmitted via email. If this information must be stated, please contact Bank of Tucson by phone or at your
nearest office. Thank you. If you "Continue", the link will open a new email message in your default email program.
External Link Disclaimer
Bank of Tucson has no control over information at any site hyperlinked to or from this Site. Bank of Tucson makes
no representation concerning and is not responsible for the quality, content, nature, or reliability of any
hyperlinked site and is providing this hyperlink to you only as a convenience. The Privacy and Security policies of
the hyperlinked site may differ from those of Bank of Tucson. The inclusion of any hyperlink does not imply any
endorsement, investigation, verification or monitoring by Bank of Tucson of any information in any hyperlinked
site. In no event shall Bank of Tucson be responsible for your use of a hyperlinked site.
If you "Continue", the link will attempt to open a new window. If it is unable to, the link will open in the current
Please note that Bank of Tucson's website will no longer support Internet Explorer 8, or older versions of Internet Explorer. Please upgrade your browser to fully experience the features and security of our new website. Thank you. | finance |
https://edenrobot.com/the-cost-of-installing-an-autogate-for-your-home-in-malaysia/ | 2023-12-03T10:14:50 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100499.43/warc/CC-MAIN-20231203094028-20231203124028-00717.warc.gz | 0.918778 | 534 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__218455996 | en | Autogates have become a popular choice for homeowners in Malaysia who are looking for an added layer of security and convenience. While the benefits of an autogate are clear, the cost of installation can be a significant factor in the decision-making process. In this article, we’ll explore the cost of installing an autogate for your home in Malaysia, including installation, maintenance, and repair costs.
The cost of installing an autogate in Malaysia can vary depending on factors such as the type of gate, the size of your property, and the complexity of the installation. Generally, a basic autogate system can cost around RM 1,500 to RM 6,000, while a more advanced system can cost upwards of RM 10,000 or more.
Like any mechanical system, autogates require regular maintenance to ensure that they function correctly. Regular maintenance can include lubrication, checking for wear and tear, and adjusting the gate’s sensors and controls. The cost of maintenance can vary depending on the type of autogate and the complexity of the system. Generally, maintenance costs can range from RM 80 to RM 200 per year.
Even with regular maintenance, autogates can experience mechanical failures due to wear and tear, weather conditions, or accidents. Repair costs can vary depending on the type of repair needed and the severity of the issue. Generally, repair costs can range from a few hundred RM to several thousand RM.
Consider Upgrading to the Eden Robot eGate X1 Series
If you’re looking for a reliable and efficient solution to your autogate needs, consider upgrading to the Eden Robot eGate X1 Series. This state-of-the-art automatic gate system offers advanced features such as intelligent obstacle detection, real-time status monitoring, and remote control via the Eden Robot app. The Eden Robot eGate X1 Series is also designed for low maintenance, reducing the long-term cost of ownership. With the Eden Robot eGate X1 Series, you can enjoy the convenience and security of an automatic gate without the high costs associated with other systems.
Installing an autogate for your home in Malaysia can be a significant investment. While the costs involved can vary depending on the type of system, size of your property, and other factors, it’s essential to consider the long-term benefits of added security and convenience. Regular maintenance and repair costs should also be factored into your decision-making process. Consider upgrading to the Eden Robot eGate X1 Series for a reliable and efficient solution to your autogate needs that will provide long-term savings. | finance |
https://www.carypark.com/rccms/finance/ | 2024-02-22T17:54:53 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473824.13/warc/CC-MAIN-20240222161802-20240222191802-00534.warc.gz | 0.913952 | 454 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__22160345 | en | Cary Park District Financial Information
The Cary Park District is a recipient of the Certificate of Achievement for Excellence in Financial
Reporting from the Government Finance Officers Association of the United States and Canada (GFOA)
for its comprehensive annual financial report. The award is the highest form of recognition in the area of
governmental accounting and financial reporting.
Below are links to the budget, audit, and other financial information for the District.
Annual Budget and Appropriation Ordinance
Annual Comprehensive Financial Report
Total Compensation Package Information
- Pursuant to Public Act 97‐0609, the following information is being provided for budget year
ending April 30, 2024. Total Compensation Notice FY 2023-24
IMRF Employer Cost and Participation Information
- Pursuant to Pubic Act 101-504, amending the Illinois Pension Code (40 ILCS 5/7-135.5), as a participating member of the Illinois Municipal Retirement Fund (IMRF), the Cary Park District is required to provide the link below to IMRF’s website pertaining to information regarding IMRF’s employer cost and participation:
Cary Park District Receives GFOA Award
The Cary Park District received the Certificate of Achievement for Excellence in Financial Reporting from the Government Finance Officers Association of the United States and Canada (GFOA) for its Comprehensive Annual Financial Report. The Certificate of Achievement award is designed to recognize and encourage excellence in financial reporting by state and local governments. This award is the highest form of recognition in the area of governmental accounting and financial reporting.
The purpose of the Certificate Program is to encourage all government institutions, including Park Districts, to prepare and publish an easily readable, organized, and understandable Annual Financial Report. The Cary Park District’s Comprehensive Annual Financial Report for the fiscal year ending April 30, 2021, was judged by an impartial panel to meet the high standards of the GFOA program. The Cary Park District has received the GFOA award for Comprehensive Annual Financial Reports for the last 16 years.
The GFOA is a nonprofit professional association serving approximately 20,000 government finance professionals with offices in Chicago, IL, and Washington, D.C. The Certificate Program was established in 1945. | finance |
http://boxgeek.com/customboxbuilder.php | 2017-07-24T02:27:49 | s3://commoncrawl/crawl-data/CC-MAIN-2017-30/segments/1500549424683.39/warc/CC-MAIN-20170724022304-20170724042304-00105.warc.gz | 0.926314 | 144 | CC-MAIN-2017-30 | webtext-fineweb__CC-MAIN-2017-30__0__45394560 | en | *The estimated price is not the same as a final quoted price. The final quote price should be very close, if not less, to the estimated price. If you have any questions, please call us toll-free at 1-877-226-9433.
**Please also keep in mind that we utilize the industry standard 10% over/under policy. Due to our sheet supplier’s production methods, we may receive 10% more or less of the sheets needed to complete your order. If it is 10% more, then you are required to pay for the overrun of boxes before we ship. If it is 10% under, then we will refund the underrun back to your credit card. | finance |
https://calcease.com/amortization-schedule-calculator/ | 2023-12-02T05:22:12 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100327.70/warc/CC-MAIN-20231202042052-20231202072052-00600.warc.gz | 0.931967 | 624 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__228339047 | en | Take Charge of Your Loan Repayments with the Ultimate Amortization Schedule Calculator: In-Depth Guide and Practical Benefits
Amortization Schedule Calculator
Managing your finances effectively often includes keeping track of your loan repayments. Our user-friendly Amortization Schedule Calculator can help you do just that by providing a detailed overview of your loan payments throughout the repayment term. In this blog post, we will discuss the features of our calculator, explain the required inputs, and demonstrate how to use this powerful tool to make well-informed decisions about your loan.
The Amortization Schedule Calculator: A Comprehensive Solution
The Amortization Schedule Calculator is designed to provide you with a complete breakdown of your loan payments over the entire repayment period. This tool factors in the loan amount, interest rate, number of payments, and payment frequency to generate a detailed payment schedule, including both principal and interest components.
Inputs Needed for the Amortization Schedule Calculator:
- Loan amount: The total amount you have borrowed or intend to borrow.
- Interest rate: The annual interest rate for your loan, expressed as a percentage.
- Number of payments: The overall number of payments to be made throughout the loan term.
- Payment frequency: The regularity with which you make loan payments, such as monthly, bi-weekly, or weekly.
Utilizing the Amortization Schedule Calculator:
To effectively use the Amortization Schedule Calculator, follow these easy steps:
- Provide the loan details: Enter the loan amount, interest rate, number of payments, and payment frequency in their respective fields.
- Click “Calculate”: The calculator will generate a comprehensive amortization schedule, displaying the principal and interest components for each payment period.
- Analyze the results: Review the amortization schedule to gain valuable insights into your loan payments and understand the distribution of principal and interest payments over the loan term.
Advantages of Using the Amortization Schedule Calculator:
- Better financial planning: The calculator enables you to create a realistic budget that accommodates your loan payments, ensuring that you can fulfill your financial commitments.
- Informed loan management: Gaining insights into the distribution of your loan payments allows you to make well-informed decisions about prepayments, refinancing, or adjusting your payment frequency to save on interest expenses.
- Accelerated debt repayment: Understanding the interest and principal components of your loan payments can help you devise strategies to pay off your loan more quickly, such as allocating extra payments towards the principal.
- Tax planning: For loans with tax-deductible interest payments, the amortization schedule can help you plan your tax deductions accurately and optimize your tax strategy.
The Amortization Schedule Calculator is an essential tool for anyone seeking to gain control over their loan repayment process. Armed with detailed information about your loan payments, you can make well-informed financial decisions and manage your debt more effectively. Try our Amortization Schedule Calculator today and take a significant step towards achieving financial stability. | finance |
https://gadget.land/gifts/atm-touch-screen-bank/ | 2022-11-27T13:09:43 | s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710237.57/warc/CC-MAIN-20221127105736-20221127135736-00705.warc.gz | 0.909807 | 184 | CC-MAIN-2022-49 | webtext-fineweb__CC-MAIN-2022-49__0__135880494 | en | IWOOT – Stuff you really, really wantThe ATM Touch Screen Bank is the perfect place to save your cash. An updated, somewhat more hi-tech version of the piggy bank, this little saving box is like having your very own ATM in your bedroom. Secure from siblings, parents and housemates, this personal saving bank is secured with a card and password. Featuring a touchscreen, an auto roll deposit slot for notes and an automatic coin counter, you can set a savings target, the time, an alarm and check your balance at any time. The ATM Touch Screen Bank is a great little gift for anyone in need of encouragement to save their pocket money or Birthday cash.Suitable for ages 8 and over.Requires 3 x AA batteries (not included).Dimensions: H: 19cm x W: 15cm x D: 14cmPlease note: The ATM Bank will only accept GBP. | finance |
https://cityrice.com/km/news_activities/chinese-milled-rice-exports-to-rise-more-than-11-percent-in-2022-rice-federation/ | 2024-04-20T02:03:03 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817463.60/warc/CC-MAIN-20240419234422-20240420024422-00011.warc.gz | 0.970361 | 798 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__120287668 | en | Milled rice exports will recover in 2022 after dropping this year, according to the Cambodia Rice Federation. Cambodia exported 530,000 metric tonnes (mT) of milled rice in the year through November and the federation is forecasting 630,000 mT for the whole of 2021. That compares with a total of 690,000 mT last year, which would be a drop of 8.7 percent. Next year, the federation forecasts a rebound to 700,000 mT which would be a year on year rise of 11.1 percent compared with this year’s estimate.
“The key markets for Cambodia that I can see are the European Union countries. China will still play a big role in high quantity exports,” said Cambodia Rice Federation Vice President Andy Lay.
Lay said the rising shipping costs and shortage of suitable-sized containers that have hit exports over the past two years are likely to continue in the short term.
“That will at least take another six months for everything to get back, not to normal, but to ease the situation,” he said. “The reason for the increasing shipping costs is the closing of the borders and surge in the Covid-19 pandemic in the USA and Europe, making the returning of empty containers quite difficult.
Shipping costs have increased because the shipping companies are taking advantage of this position to increase their profits. The profits of shipping lines in 2021 are almost five times what they did in 2020. Now countries are opening their borders, reducing quarantine so I think economies are recovering. I can see from July onwards the shipping costs may come down,” Lay said.
Lay is the Chief Executive Officer of City Rice Import Export Company Ltd which was Cambodia’s biggest milled rice exporter last year and will hold onto the title this year if his forecast of 100,000 mT is correct. Next year he says the company will export as much as 20 percent more milled rice. The company buys all its rice from local farmers and says it aims for sustainable growth in production.
To meet the expected rise in demand City Rice is considering whether to invest more in its wet paddy drying facilities from 1,500 mT a day capacity this year to as much as 2,000 mT a day in 2022.
Lay said he agreed with the likes of the Asian Development Bank, which has called on Cambodia to modernise its agricultural technology and educate farmers on how to use new equipment but he says it will lead to suffering in the short term.
“In purchasing the technology and as far as the education level as well to accommodate the changes its quite troublesome. I don’t see it in the next couple of years but in the next five to 10 years I can see the new generation of farmers will come up with higher education and so I can see Cambodia will move up to a high-tech agricultural country,” he said.
Cambodia is likely to be increasingly affected by droughts and floods due to climate change and Lay said farmers need to adapt to deal with it.
“Our business is relying on the sky,” Lay said. “Farmers have lost a lot of production, a lot of capital during the drought years but luckily this only happened every three to four years. To farmers flooding is better than drought. Drought has damaged a lot of production yield, has degraded the land. This year we have seen an increase in the growing of the OM5451 variety which is a crop that doesn’t need a lot of water, has high production yields and is less susceptible to climate change.”
Normally Cambodian farmers grow a mix of 60 percent fragrant rice and 40 percent OM5451 but the mix has now shifted to only 25 percent fragrant and 75 percent OM5451 rice, Lay said. | finance |
https://www.4living.co.uk/pages/Interest-Free-Credit.html | 2018-08-16T06:45:53 | s3://commoncrawl/crawl-data/CC-MAIN-2018-34/segments/1534221210463.30/warc/CC-MAIN-20180816054453-20180816074453-00712.warc.gz | 0.934841 | 380 | CC-MAIN-2018-34 | webtext-fineweb__CC-MAIN-2018-34__0__96958617 | en | Now buy top brands such as Ethnicraft, Conran, Polo Divani, 4 Living, Heathfield, Greenapple with interest free credit.
4 Living has teamed up with DEKO to offer you 12 months 0% APR interest free credit on any order over £500 or up to 48 months at a low rate of 9.9% APR. This means you will be able to spread the cost of your purchase over 6, 12, 24, 36 or 48 easy monthly payments (subject to status).
Please note it is not possible to combine interest free finance with promotional or seasonal sales offer discount codes.
Just checkout online now, select finance as your payment option and complete the easy 5 minute online application that follows. You pay a deposit of between 10% and 50% and and select 6 or 12 months 0% interest free or up to 48 months with a low rate of 9.9% (Applicants need to be a over 18 years of age and be a UK resident.)
To buy your items with interest free credit just select the finance payment option during checkout and complete the easy 5 minute online application that follows that is all!
Consumer credit service is provided by Pay4Later Ltd trading as DEKO. Pay4later Ltd is authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 728646). Registered offices are at 33 St Mary Axe, London, EC3A 8AG. For more information please refer to https://www.dekopay.com/faq or visit https://www.dekopay.com/
Finance is provided through the DEKO platform by a number of lenders. You will be offered the best rate available based on your credit history and our lenders’ credit decision policies. You will be informed who the lender is at the point the loan is offered and provided with their full contact details. | finance |
http://oakbrook-cpa.com/ | 2024-03-01T20:02:18 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947475701.61/warc/CC-MAIN-20240301193300-20240301223300-00334.warc.gz | 0.948802 | 1,263 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__76814880 | en | Daniel J. Brown, CPA, a local firm with
more than 25 years experience
Dan provides income tax preparation and
planning services and IRS representation.
In addition, he counsels clients on business start-ups, divorce,
estate issues, retirement and college planning, and
many other tax and financial matters.
By providing exceptional service, Dan builds lasting
relationships with clients. Many have
been returning since the firm was
established and children of clients have become clients
themselves. Many clients who move to other states or abroad continue to use his services.
Due to the Coronavirus pandemic, in-person meetings have been significantly curtailed. Zoom meetings are available. Documents can be dropped off at the office, emailed using our secure portal, sent by USPS, FedEx, or UPS, or faxed.
Understand Your Tax Opportunities and
"I have seen people overpay taxes by
thousands of dollars
they made uninformed
Dan wants clients to avoid making uninformed decisions and to pay no
more income tax than is required. After considering the circumstances of
clients, he offers tax
gladly answers their questions. The Tax Cut and Jobs Act (TCJA)
passed in December 2017, effective January 1, 2018, had a broad impact. It affected: (a)
small business owners, independent contractors, and landlords, (b)
divorce settlements, (c) employees with unreimbursed business expenses,
(d) charitable giving-especially for those over 70.5, and (e) the
deductions for state and local taxes (SALT) and mortgage interest.
TCJA nearly doubled the standard deduction and introduced the concept of Qualified Business Income (QBI). With
exceptions, only 80 percent of income classified as QBI is taxable.
TCJA also eliminated the personal exemption for taxpayers and their
dependents; in its place credits for dependents were introduced.
More recently, The SECURE Act and Coronavirus relief bills were passed. Go to the Tax Law Changes tab for more information.
Below are the types of questions Dan is asked:
- I am starting a new business, what expenses
can I deduct? Or, I will be an
independent contractor, what can I deduct? Should
I make estimated tax payments?
- With the higher standard deduction and cap on state and local taxes, I no longer get a tax savings from my charitable contributions. Is there a way I can deduct my contributions?
- How does Qualified Business Income affect me?
- In the past, I made nondeductible IRA contributions but never told my tax
preparer. Is that OK?
- I had a high income for many years
and made large retirement plan contributions; but I have not worked this past
year; are there tax
- As a self-employed person, how should I save for my children's college, for retirement? To pay for
- I received a small inheritance. What will the income tax be?
- Should I convert my retirement accounts to a
- I changed jobs. Should I rollover my 401(k)
or use it to pay bills? Should I use it
for my child's tuition?
- Is my IRA ever required to file a tax return?
- My widowed mother named me executor of her estate; when
she passes, what should I do?
- I have a bank account overseas and pay
income tax on the earnings to the foreign country. Can I disregard it on my federal 1040?
- Should I sell my appreciated rental property or
do a like-kind exchange?
- Can I make a "back door" Roth IRA contribution?
- My income is too high for me to qualify for an
education credit; can my child take the
- I am a minister. How is my self-employment
tax calculated? What's covered by my
- I play online poker and was told I should file a FinCEN form 114. What is this form and how do I file it?
- The divorce is not final and we are living
apart. Should we file jointly or
separately? Head of Household?
- My child's college tuition and fees were paid by
scholarships; am I disqualified from taking education credits?
- What are the advantages of deducting a home office? Am I eligible?
- As part of our estate planning, my spouse and I created a joint living trust. Should we file a tax return for
the trust? Since our assets are less than the personal exemption, when the first one passes, should the surviving spouse file a 706 estate tax return?
- Will my estate pay an estate tax when I pass?
- I receive money every month from my ex-spouse. Is
- What is the downside to financing my new business with my IRA?
- I exercised stock options and sold the stock; how do
I figure the taxable gain?
- Should I gift my house to my children now, while I am living, or pass it to them after I die?
- Does the elimination of the "stretch" IRA affect my estate planning?
Dan asks clients:
- Do you have a will or trust? Is it up to date? (If your trust does not consider "portability" and does not allow flexibility in determining how much of the estate should be put into a credit shelter trust, it is probably not up to date.)
- Have you reviewed your primary and contingent beneficiary designations on your life insurance and retirement accounts lately? Do not rely on your will for designating beneficiaries of these assets.
Appointments are available 9:30 am to 7:30
pm Monday through Thursday and 9:30 am to 3:30 pm Friday
and Saturday. Call
630 629-4400 to
schedule an appointment.
4 Miles South of Oakbrook Shopping Center
119 E Ogden Avenue, Suite 130
Hinsdale, Illinois 60521
630 455-1190 fax | finance |
http://cristiangyunq.bloginwi.com/10098079/the-initial-step-you-need-to-take-to-get-rich-in-the-stock-exchange | 2019-01-22T04:42:40 | s3://commoncrawl/crawl-data/CC-MAIN-2019-04/segments/1547583826240.93/warc/CC-MAIN-20190122034213-20190122060213-00215.warc.gz | 0.972982 | 651 | CC-MAIN-2019-04 | webtext-fineweb__CC-MAIN-2019-04__0__45114357 | en | I am extensively acknowledged as a leading expert in the stock market and particularly at teaching you how to become your next-door neighbor's millionaire next door. I didn't begin as educated and experienced as I am now. I began out knowing almost absolutely nothing. When a complete service stock broker stole $85,000 from my eighty year old grandmother, I was so unskilled in my early twenties that I could only stand by. I watched the across the country stock brokerage protect the interests of the complete broker and my granny lost whatever.
The discomfort of this was so extreme that it drove me to finish my Ph.D. in financing-- less than a numerous us finish in this degree around the world annually since it is so mathematically tough. My disappointment and anger at the huge abundant forces behind Wall Street drove me to become a contemporary day master of cash. This is what you have to do-- get up!!! Awaken to the fact that you can make it as a stock financier. Awaken to the reality that you control your destiny which you can stop handing all of the control over to the Wall Street device that could definitely care less about your monetary future. This is the first action-- take full duty for you revenues, cost savings and financial investment.
I discovered years ago from a friend of mine, Dr. Van Tharp, Ph.D., that if I didn't take complete duty for my investing that I would never advance-- I would merely break the delicate feedback loop that permits all of us to discover from our errors. Whenever you blame anybody for a monetary mistake you damage the chance to grow and learn from the situation. The easy choice you must make is to anonymous deeply, completely, firmly, and finally, say to your self, "I am the master of my universe-- I am in control-- Wall Street has no power over my mind" is the essential critical modification you need to make in your thinking.
Some individuals will think that you are arrogant however simply blow them off and laugh all the method to the bank. Stop listening to individuals-- are these meddlesome little bug a bugs in your life that so rapidly nay state your financial investment dreams paying your costs or providing you money to continue-- no so blow them off! They just wish to provide you bad recommendations so that you fall into their very same financial loser traps. In regards to investing become an island unto yourself and really carefully cultivate relationships with people who truly do understand what they are carrying out in investing. This is precisely what I did. I started looking for people who actually comprehend the marketplaces. I found them with time and I asked them great deals of questions.
I am commonly recognized click for more as a leading professional in the stock market and specifically at teaching you how to become your neighbor's millionaire next door. I was so about his unskilled in my early twenties that I might just stand by when a full service stock broker stole $85,000 from my eighty year old grandma. I saw the nationwide stock brokerage protect the interests of the full service broker and my grandma lost whatever.
This is what you have to do-- wake up!!! Wake up to the fact that you can make it as a stock investor. | finance |
http://allaboutinvoice.zohosites.com/blogs/post/Importance-of-Online-Invoicing | 2018-09-22T05:40:31 | s3://commoncrawl/crawl-data/CC-MAIN-2018-39/segments/1537267158045.57/warc/CC-MAIN-20180922044853-20180922065253-00420.warc.gz | 0.953681 | 547 | CC-MAIN-2018-39 | webtext-fineweb__CC-MAIN-2018-39__0__126289920 | en | An invoice is a document given by the seller or certain goods or services to the clients that contain details of the customer and the dealer, the list of the products and other related information. Online invoicing hence allows a seller of these commodities to indicate such information on online platforms such as the customer portals and the websites. Online invoicing has very many advantages. Some of the reasons why online invoicing is essential may include. First, it helps to make the processing of orders made by the customers to be quick. This is vital because the clients can get their orders delivered on time and also make payment for these goods.
Online invoicing is crucial because it helps to reduce the tasks of the supplier of these goods and this is because it is automatic. Online invoicing support the payment for the goods and services supplied to the clients through the internet. This is important because it simplifies these transactions. Online invoicing helps in navigation especially when searching through information. The accounting tasks, therefore, becomes simple for both the customer and the sellers. Another reason as to why online invoicing is vital is that it helps to cut down various costs incurred by the dealer of the goods such as purchasing of the stationery, costs incurred when delivering the invoices among many other. To learn more, click here.
The online invoices are essential because they are free from errors. Customers are not charged excess or lower than the actual cost of the goods and services offered. This helps to prevent loses suffered in situations when such errors occur. Online invoicing is crucial because it can be done for all types of goods on which orders are made. Various organizations and businesses, therefore, have a chance to use these internet services to promote their services. Check https://www.sighted.com/blog/net-30-net-60-or-net-90-terms-and-what-does-it-all-mean for more info.
Online invoicing is essential because it helps a dealer to handle huge orders. Sometimes, it may be difficult to capture all the items ordered by a customer especially when relying on the paper way of recording orders. Online invoicing therefore simplify these tasks and ensure that customers are satisfied. Another benefit of online invoicing is that it helps in creating reminders which are essential in debt collection activities. This is where the dealer is alerted on the debts held by the customers. The backup features of the online invoicing which help in data recovery are vital since they ensure that the dealer can access this information even when the online platforms are corrupted. Visit https://www.wikihow.com/Invoice-a-Customer for other references. | finance |
https://optimist.org/member/administration2.cfm | 2024-03-01T06:26:34 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947475203.41/warc/CC-MAIN-20240301062009-20240301092009-00697.warc.gz | 0.860504 | 247 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__159455635 | en | ACH Direct Debit Authorization Program
The Automated Clearing House program – or ACH – allows Optimist Clubs
to pay their bills electronically. It’s an easy and efficient way for Clubs
to handle their financial obligations to Optimist International. Best of all,
the program is secure!
To initiate the ACH direct debit bill form of payment for a Club, Optimist International
needs the following two items:
1. A completed "authorization agreement for direct debits" form. You
must choose the agreement applicable to your Club:
US Dollar ACH Debit Authorization Agreement
Canadian Dollar Pre-authorized
2. A voided check or bank draft (or copy) for the bank account from which you
would like us to withdraw money (debit). Please do not use a deposit slip. Note:
Only one bank account per Club can be assigned for ACH.
You can fax both the completed authorization agreement form and a voided check
image to the attention of Michele Ervin at (314) 371-6006.
Or mail the information to:
c/o Accounting Department
4494 Lindell Blvd.
St. Louis, MO 63108 | finance |
https://www.opticveronique.be/39474/used%20-%20gold%20-%20quality.html | 2023-09-23T13:33:50 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506481.17/warc/CC-MAIN-20230923130827-20230923160827-00793.warc.gz | 0.939921 | 141 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__24410091 | en | Look for the quality mark. Pure gold, or 24karat, is generally considered too soft for use in jewelry, so it is alloyed with other metals to increase its strength. Eighteenkarat gold is 18 / 24 ths, or threequarters pure gold. Jewelry of this fineness is marked "18k" or "750," the European designation meaning 75 percent gold.
03/09/2021 · The gold prices used in this table and chart are supplied by FastMarkets. Where the gold price is presented in currencies other than the US dollar, it is converted into the local currency unit using the foreign exchange rate at the time (or as close to as possible). | finance |
http://mylifeinfocusblog.wordpress.com/2013/10/02/grocery-challenge-results-down-38-woo-hoo/ | 2013-12-07T08:32:04 | s3://commoncrawl/crawl-data/CC-MAIN-2013-48/segments/1386163053883/warc/CC-MAIN-20131204131733-00026-ip-10-33-133-15.ec2.internal.warc.gz | 0.968355 | 666 | CC-MAIN-2013-48 | webtext-fineweb__CC-MAIN-2013-48__0__86171568 | en | In case you think DH and I lowered our grocery bill and haven’t been eating well or have shortchanged our menu plans, I spent a week taking iPhotos of our meals with my smart phone and set up a little slide show. I put a caption under each photo describing the dish. Almost all the food was purchased at Aldi with the exception of the beef and whole wheat pita bread (Stop & Shop) and the chick peas (dried, at Shop Rite). I’ve also included a pic of our favorite table wine, Paisano by Carlo Rossi @$14 for the 4 liter bottle. If we conserve, the bottle usually lasts for six weeks.
As far as our monthly budget goes, there is absolutely nothing more we can cut out of it. Our bills are fairly the same each and every month. Most of my utilities are on basic or bare bones. We’ve stopped going to restaurants, shopping retail, buying entertainment, etc. If it isn’t free, we don’t do it.
One of the last challenges left for us to face was to somehow lower our grocery bill without affecting our high quality menu planning. DH and I take our food seriously. We’re both excellent cooks and we demand meals made with good quality ingredients.
I came up with a solution that if we streamlined our meals and narrowed our choices we might be able to achieve our goal, lower the food bill yet still retain our high quality, healthy meals. It was a team effort and I am happy to report that DH and I have successfully accomplished our goal. We have lowered our monthly food bill by 38%! We used to pay on average $516 a month for the two of us. Now? I can safely say we are currently averaging $317 a month. That’s a savings of almost $200 a month!
We did this by narrowing our food shopping to one main store, Aldi. Once or twice per month I would shop at another grocery store, either Stop & Shop (Thursday only, when all meats and veggies/fruits are discounted) or Shop Rite (when they have their canned good sale/pasta sale/organic chicken sale). I only buy food at these stores. Anything else, such as shampoo, soap, cleaning supplies are purchased at The Dollar Store.
This savings came just in time because DH and I will be facing a steep increase in one of our budgetary categories: medical. DH had some unexpected medical treatment this year due to contracting Lyme Disease. Who would have ever thought that a teeny, tiny little tick could have done so much damage to his health. He’s had a plethora of tests because the Lyme affected his heart and possibly his brain. We’ll know more soon when results from other tests come back. But in the meantime, DH’s out-of-pocket costs, plus his high deductible have pushed us over our budget. I’ve called everyone who we still owe money to (hospital, doctors, labs) and worked out a monthly payback of $217 a month total.
Is it a coincidence that the medical amount is very close to how much we have saved on our grocery budget?
And so my beat goes on. | finance |
https://wolfrockfp.co.uk/ | 2024-02-22T04:11:54 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473690.28/warc/CC-MAIN-20240222030017-20240222060017-00004.warc.gz | 0.95865 | 214 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__83045166 | en | James Sculthorp-Wright is a Chartered Financial Planner and Managing Director of Wolf Rock Financial Planning. Having worked in the financial services industry for a decade, James has attained the qualification of Fellow of the Personal Finance Society, the most prestigious level of professional achievement based on technical ability and knowledge.
Due to the advice areas we specialise in, James is proud to be a fully accredited member of the Society of Later Life Advisers (SOLLA), which is recognised as the gold standard in advising later life clients, and is independently audited and endorsed by the Government’s Financial Skills Partnership (FSP).
Outside work James is a lifelong volunteer, and has worked with a number of charities and not-for-profits, including the South Western Ambulance Service, and Rotary International. James is currently a Trustee of Creative Kernow, a registered charity supporting the development of creative communities and businesses in Cornwall and through national and global partnerships. He is also an Emergency Ambulance Crew volunteer for St John Ambulance. | finance |
https://www.hotarticle.org/tips-to-buying-a-home-in-hyderabad/ | 2024-02-22T21:41:29 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473824.45/warc/CC-MAIN-20240222193722-20240222223722-00060.warc.gz | 0.940925 | 233 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__116553887 | en | The capital of Telangana, Hyderabad is known as the IT and Pharma hub of India. Obviously, the real estate market is a mature one in the city with more people interested in buying under-construction projects.
The government authorities are focusing on boosting sustainable and affordable housing segments of the real estate market. Liberal policies, infrastructure development, and the creation of smaller districts are the main reasons for builders and developers in Hyderabad to invest heavily in the sector.
If you are new to the city here are some important tips to consider before you buy a home.
Set your budget after doing a proper analysis of your finances. If you are taking a loan, consider all the costs involved and budget the EMI payment from your income. You must do long-term and short-term calculations on paper in order to know where exactly you stand. If you are checking flats for sale in Miyapur for example, you need to check if it is within your budget.
Original article published at https://www.ezeebiz.in/essential-tips-for-first-time-home-buyers-in-hyderabad/ | finance |
https://travelden.net/refund-and-complain | 2019-12-15T15:40:46 | s3://commoncrawl/crawl-data/CC-MAIN-2019-51/segments/1575541308604.91/warc/CC-MAIN-20191215145836-20191215173836-00103.warc.gz | 0.940146 | 348 | CC-MAIN-2019-51 | webtext-fineweb__CC-MAIN-2019-51__0__46483456 | en | Service fees cover the costs incurred by Travelden in booking and servicing your travel reservations. In the event of the client cancelling a booking, Travelden shall have the right to either claim an amount or to retain an amount of the payment as cancellation fees payable to Travelden. We will not provide a refund to you until we receive the funds from the relevant supplier. Cancelled bookings may incur charges directly from the supplier. These charges can be up to 100% of the cost of the booking, regardless of whether travel has commenced. Where we incur any liability for a cancellation fee or charge for any booking which you cancel, you agree to indemnify us for the amount of that fee or charge. An amendment fee per booking may be levied for any changes to the confirmed itinerary and or ticket. This is charged in addition to the change fees charged by the supplier and other Third Party Service Providers. In the unlikely event of there being an unscheduled extension to the final itinerary caused by flight re-scheduling, flight delays, bad weather, strikes or any other cause which is beyond the control of Travelden, its agents or suppliers, it is understood that expenses relating to these unscheduled extensions (hotel accommodation etc.) will be for the client's account. While every effort is made to keep to the final itinerary in accordance with the client?s application, our suppliers and/or Travelden reserve the right to make changes intended for the client's convenience e.g. in some cases, weather conditions can necessitate an alteration in the itinerary and this does not constitute any reason for a refund. It is the client's duty to check each amendment to the itinerary. | finance |
https://chrysogelos.gr/index.php/2012-01-26-17-17-39-594/arthra/item/2678-government-gazette | 2020-05-26T06:02:06 | s3://commoncrawl/crawl-data/CC-MAIN-2020-24/segments/1590347390448.11/warc/CC-MAIN-20200526050333-20200526080333-00533.warc.gz | 0.945386 | 1,416 | CC-MAIN-2020-24 | webtext-fineweb__CC-MAIN-2020-24__0__117921078 | en | The Greek crisis stems from a truly unsustainable development model that was followed for decades, as well as from Eurozone’s structural problems. However, it is not only the causes of the Greek crisis that are shared between Greece and the rest of Europe. The consequences of a potential Greek exit from the euro will certainly have an impact in both Greece and Europe as it will be a real catastrophy for the Greek economy and society, but also a severe blow for the European dream of a united Europe. Hence, euro must become a tool for unity, not for division and Greece mustremain in the Eurozone.
To address the Greek problem, the Troika (EU, IMF, ECB) continues to insist on a one-dimensional policy, based on "internal devaluation" and reduction of wages and pensions (more than 30%) as a tool for the increase of “competitiveness”, as well as on a dramatic cut of public investments and spending for social services.
Judging by the results of these policies during the past 2.5 years, one can observe that they failed to achieve their primary objectives. The deficit did not become eliminated while all predictions for the debt levels failed. In the process, however, something even worse occurred: The fiscal crisis was transformed into a deep economic and social crisis.
The harsh austerity policy led to an explosion of unemployment which reached the overall level of 23,1%, while youth unemploymentskyrocketed to 54,9%. Moreover,the household income was reduced by 25-30% and it is estimated that it will be further reduced by 5-7% until the end of 2012. Furthermore, 20.9% of the population now live below the poverty line, while the real economy is rapidly being destroyed, as Greece heads towards its sixth consecutive year of recession. The total reduction of the greek GDP will reach 20% (2008 – 2012) while it shrank by 6.2 percent just in the last quarter. The crisis has moved from the public to the private sector especially in SMEs which represent a huge part of Greek economy. As a result of all that, the huge amount of money that Europe is spending for the rescue of Greece, is to a large extent used to service the debt and recapitalise Greek banks, instead of being available to revitalise Greek economy.
Can the situation be reversed? It is certainly a very difficult task at the moment. First, Greece needs to urgently changeits administration model taking all the necessary steps to restore the common sense of justice. Second, Greece should set and achieve different targets and priorities in its economy. Emphasis should be placed on a green turn of the economy, which, as studies show, can create new jobs, while jumpstarting the economy in a sustainable and long-lasting fashion. Such a plan will enable Greece to succeed in fiscal consolidation and at the same time upgrade its social infrastructures as a means to compensate for the loss of income. This will in turn, strengthen social cohesion and solidarity and will provide the basis for citizens to start believing again that an exit from the crisis is possible. To this end, Greece shouldget the necessary support to overcome the deepest crisis it is facing in its recent history.
The Greens in the European Parliament are in favour of a number of reforms in policies promoted by the Troika as well as in the terms of the Memorandum of Understanding leading to the Second Economic Adjustment Programme. In this direction, we have publically presented 7 proposals for a way out of the Greek crisis:
1. Green New Deal Investment Package. Greece must be supported in investing in energy and resource efficiency and the use of renewable energy resources as well as in green and social innovation. The corresponding package should be financed from Project Bonds, the European Guaranty Funds, a fair levy on wealth and Financial Transaction Tax (FTT), in addition to the effective utilization of unused resources from Structural Funds andthe innovative utilization of financial instruments from Commission budget resources.
2. Adaptation of the terms of the Memorandum of Understanding to European policies and theirgoalsto successfully address employment, poverty eradication, social dialogue and sustainability issues.
3. Extension of the time available to Greece to achieve the fiscal targets by two (2) years (until 2016, instead of 2014) in order to succeed. The ESM should finance this extension.
4. Ensuring of the Greek borders with European guarantees, in order to freeze all armament programs for 3 years.
5. Ensuring a European support for migrants and refugees in Greece.
6. Engagement of the European Commission in the effort to get detailed data from the Swiss and other banks for Greek deposits. Help for the improvement of the efficiency of the Greek tax administration as well as fair tax harmonization measures in Europe.
7. European Agencies should directly support Greek regions and municipalities in revitalizing the real economy, absorbing the existing European Funds and mobilizing additional investments
If the data used for the ranking the financial state of regions for ERDF are primarily of theperiod before the crisis (2006-2009), this could lead to a situation where certain regions are erroneously classified as of higher financial performance, while the current socio-economic reality is totally different.
Although we undoubtedly need a long term policy for finding a way out of the crisis, which will include speeding-up the reaction of the European Union to the crisis, some social groups are facing an immediate problem of survival. A substantial part of the Structural funds should be earmarked - where necessary without co-financing - for social purposes, fight against poverty and the creation of jobs, especially for the young people. A Youth Guarantee System aiming at job creation in the 8 countries with high percentage of youth unemployment and a Solidarity Fund which could support directly the vulnerable social groups facing difficulties to survive in Greece and other crisis countries must be established with the utmost sense of urgency. The funding could come from the ESF and other European resources (e.g. 120 billion by “Europe for growth”).
Moreover, the debt crisis has led Member States to curb public spending and implement austerity budgets although massive investments are required to break the cycle of the crisis and achieve the EU 2020 strategy. It is therefore particularly important to increase the EU budget which is currently too small to handle the problem.
The establishment and implementation of a multilevel governance model is also of particular importance. Such a model must include a performance-oriented approach for the resources of the Structural Funds and the tools of the Cohesion Policy. At a more integrated level, the Greens propose a Green New Deal which constitutes a comprehensive response to the multiple crises, integrating macro-economic reforms with a social inclusiveness agenda and green industrial policy, from the local to the global level. We need to advocate the necessary investments to jump-start the urgently needed transformation to a sustainable greener economy, allowing the creation of new green jobs, thus leading to social cohesion. | finance |
https://egtonceprimary.org/our-schools/egton-ce-va-primary/information-and-newsletters94351/pupil-premium/ | 2024-04-24T03:17:52 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818999.68/warc/CC-MAIN-20240424014618-20240424044618-00558.warc.gz | 0.955493 | 273 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__180415483 | en | Pupil Premium Information
It is a requirement that we provide information about the Pupil Premium allocation in our school and how we choose to use it.
Pupil Premium is an additional amount of funding that schools receive from the government to support areas of deprivation and vulnerable children. The amount each school receives is calculated by a number of different factors including the number of children who have free school meals, the number of Looked After Children and the number of Service children.
Pupil Premium is granted to help overcome barriers to educational achievement faced by the eligible pupils. In our school those barriers include: Social and Emotional needs, Communication needs, Sensory needs and Specific Learning needs.
We aim to address these needs through the provision detailed in our pupil premium statement for each academic year, follow the links below. (Please note that Pupil Premium is allocated to schools in financial years so there may be some anomolies in the funding detailed, depending on the time of year.) We measure the impact of our provision termly through our monitoring procedures. This is detailed at the end of the academic year in the impact column. We refine our provision termly if required, based on an audit of needs and impact.
If you would like to discuss this further please do contact the school and ask to speak to the headteacher. | finance |
https://www.solerax.io/ | 2024-04-24T02:28:27 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818999.68/warc/CC-MAIN-20240424014618-20240424044618-00036.warc.gz | 0.975617 | 254 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__131642961 | en | Our metaverse is truly a work of art with all the functionalities it could have at this moment. It is created on a platform that supports the blockchain environment and above all it has the ability to produce NFTs from any property that is in the world having its value as a single object or as a larger whole.
The community is the one that really decides the value of any project, but in the present case this metaverse has offered its own value by the fact that it has a support for its functionality from virtual mining that overlaps with the energy production from the units that exist in the metaverse.
Even if the trend of these technologies had a period of decline, in the future all the statistics show an increasing demand for accessing them and the values paid for some projects can show the great potential we have.
Every user of our metaverse has the opportunity to transform his property into an NFT and hold it in his virtual wallet so that if he wants to, he can list it on a platform for selling NFTs in the crypto environment. The value of such an image is given by the perceived value of the project or even of the picture itself, as there is currently no measure by which a possible future concrete value can be estimated. | finance |
https://englewoodvillage.ca/services-land-leasing/ | 2023-12-04T00:23:13 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100518.73/warc/CC-MAIN-20231203225036-20231204015036-00438.warc.gz | 0.939961 | 498 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__150695917 | en | Leasing from Her Majesty the Queen in Right of Canada
Englewood Village is located on Crown land held in reserve for the Tzeachten First Nation. The Tzeachten First Nation voted as a majority in favour of the Crown issuing a 99-year pre-paid lease to Englewood Village LLP, the Developers. The two parties involved within the lease are Her Majesty and Englewood Village LLP. The lease commenced in July 2008 and will expire in June 2107.
Homeowners within the development shall pay sublease payments of $200 per month. The monthly sublease payment shall be reduced to $100.00 a month until Jan 1, 2013. The main sublease payment shall be increased every 3 years starting Jan 1, 2013 accordingly to theconsumer price index (CPI) or a minimum of 1% each year. The head lease is binding between Her Majesty the Queen in Right of Canada and the Developers and no changes shall be allowed to such lease with out the permission of the Village Homeowners.
Land Leasing Questions & Answers
Are Leases Common?
Yes, Land leases are found in a variety of areas including Canada, Europe and the southwestern United States. Three of the better-known lease developments within the Chilliwack area include Promontory Lake Estates, Halcyon Meadows and the Stoney Creek retirement communities.
What are the benefits of Leasing?
Leasing enables the purchaser of an Englewood Village home the benefit of purchasing without the Land costs. Utilize the money saved in different areas in your investment portfolio.
Does a public roadway access the development?
Yes, Englewood Village is accessed from Keith Wilson Road and is 3 short blocks to Garrison Crossing shopping centre on Veddar Road. Keith Wilson Road is maintained by the City of Chilliwack.
Can I garner financing from financial institutions for the purchase of a home in the development?
Absolutely, a variety of financial institutions have expressed the desire to provide financing for homebuyers within the development. Please see the development sales staff to receive information of those institutions that have created purchase and financing plans for the project.
May I receive legal advise prior to purchasing a home at Englewood Village?
Yes, your offer to purchase a home within the Village will be subject to your lawyer reviewing and approving the purchase documentation. A selection of law firms are available and experienced in legal agreements can offer you independent legal advise. | finance |
http://www.morganmckinley.com.au/about/working-internationally/working-uae | 2015-07-04T03:20:30 | s3://commoncrawl/crawl-data/CC-MAIN-2015-27/segments/1435375096301.47/warc/CC-MAIN-20150627031816-00035-ip-10-179-60-89.ec2.internal.warc.gz | 0.952755 | 517 | CC-MAIN-2015-27 | webtext-fineweb__CC-MAIN-2015-27__0__24130542 | en | The UAE comfortably leads the rest of the world in the net migration rate, proving that it is by far the first choice for professionals from a range of industries who want to work abroad. Although it was originally oil reserves that kick-started the region's economic boom, two decades of diversification have seen the UAE expand to become one of the most highly developed, fastest growing economies in the world.
The boom in sectors such as construction and financial services, coupled with changes in the laws of foreign ownership, have seen many of the world's leading companies look to establish themselves in the UAE, most notably in Dubai and Abu Dhabi. This is turn has led to excellent career opportunities in a number of industries for professionals looking to relocate to this region. The benefits of working in the UAE include tax-free income, a high standard of living and a warm climate.
Dubai in the United Arab Emirates has become one of the best options for professionals wanting to live and work abroad. There are many booming industries and sectors in the region, leading to excellent opportunities in a number of fields, including financial services. The quality of life for those opting to work in Dubai can be far better than elsewhere due to it being completely income tax free.
At Morgan McKinley, our experts in professional services recruitment abroad can help you secure the position you want in a number of cities worldwide, including Dubai. If you are considering moving to work in Dubai from Australia, contact us for the best employment options and advice.
Living in the UAE – Fast Facts
- Dubai has a population of almost 1.25 million, with a reported male/female ratio of 73/27.
- The currency in Dubai is the Dirham.
- Dubai’s Burj Al Arab hotel is the world’s only seven-star establishment.
- Foreign nationals comprise up to 90% of the population with many global companies having offices there.
- Dubai’s working week is typically between 40 and 48 hours.
- UAE is a tax-free country.
Visa requirements in the UAE
You will require a visa to enter the UAE whether you are visiting for business or pleasure, or planning to live and work in the city. Visa options include visitor visa, transit visa or residence visa and labour card. You can find out more about visa requirements via the UAE Embassy website.
Thinking about moving to the UAE?
If you are considering working abroad, international recruitment specialists Morgan McKinley can give you advice and guidance on a number of locations worldwide, including Dubai. | finance |
http://dianthus.co.uk/minimum-alcohol-pricing | 2023-12-07T08:09:11 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100650.21/warc/CC-MAIN-20231207054219-20231207084219-00272.warc.gz | 0.970381 | 1,048 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__316891359 | en | Minimum alcohol pricing
A lengthy article was published in the BMJ today about the decision the government made last year to abandon their previously-stated plans on minimum alcohol pricing. As you might expect from the BMJ, with their strident anti-industry agenda, the article claims this is all about a terrible conspiracy in which the evil drinks industry and the government collude together to put the interests of the evil drinks industry ahead of public health.
The reality, I believe, is a little more complicated than that.
I should state straight away that I do not doubt that minimum alcohol pricing would have beneficial effects on public health. Alcohol causes a lot of harm. When people get drunk, they get into fights and have accidents. The long term consequences of over-use of alcohol include many diseases, most notably liver disease, but also many cancers.
It is an almost universal law in economics that if you put the price of something up, consumption goes down. How much it goes down may be open to debate, but it is inconceivable that putting the price of alcohol up wouldn't reduce consumption. So a minimum price for alcohol, if set above the market rate for the cheapest forms of alcohol, would undoubtedly reduce alcohol consumption, and it is likely that that would have beneficial effects on public health.
So, case closed then? Minimum alcohol pricing is a thoroughly good thing, and if the policy has been dropped, then that must be evidence of an evil conspiracy, right?
Well, no. A policy such as minimum alcohol pricing does not magically affect public health in isolation without having wider consequences. It also has economic consequences, and the economic consequences of minimum alcohol pricing would be considerably less welcome than the public health consequences.
To explain the economic consequences of minimum alcohol pricing, it's time for some economics geekery. Here's a little graph.
This graph shows how minimum alcohol pricing, if set above the free market price, would affect consumption. (If you're not familiar with this kind of supply-and-demand graph, here's an excellent explanation on YouTube from economics lecturer Jodi Beggs.) The upward-sloping black line S represents the amount of alcohol that the drinks industry is willing to supply at different prices: the higher the price, the more it is worth their while to supply. The downward sloping green line D represents the consumer demand curve. The higher the price, the less alcohol consumers will want to buy. In a free market, supply and demand will be in equilibrium where those two lines cross. A quantity QF of alcohol will be consumed at a price of PF.
Now consider what happens if a minimum unit price (PMUP) is set, which is above the free market price. The price is now constrained to be PMUP, and consumers will now only be willing to buy a lower quantity, shown as QMUP on the graph. (And if you want YouTube videos from Jodi Beggs again, she explains the concept of minimum pricing here and here).
Consumers are now worse off, by an amount represented by the shaded area on the graph. The light green shaded area A represents how much they are worse off financially. They are paying more than they need to for the alcohol consumed, by an amount PMUP minus PF, for a quantity of alcohol QMUP. To see their overall loss, we must also add the light blue shaded area B. This is the loss of enjoyment as a result of the alcohol they are no longer drinking, which they would have liked to have drunk had it been at the original free market price.
The net result is that consumers are worse off, by the total shaded area A + B. The drinks industry may be better off, as a result of charging higher prices, or worse off if the loss of demand more than makes up for the higher prices, depending on how much sales are affected by the increase in price (the price elasticity of demand, to put it in economics terms).
So a minimum alcohol price would have public health benefits, but at an economic cost to consumers. But we ought also to consider the distributional effects.
The big problem I have with minimum alcohol pricing is not that it represents a cost to consumer per se, but that that cost does not fall equally across society. It is regressive. It disproportionately disadvantages the poor. It may be easy for middle-class health campaigners to forget this, as they sip a nice glass of Châteauneuf-du-Pape which would never be affected by minimum pricing anyway, but some people cannot afford expensive forms of alcoholic drinks. For some people on low incomes, their alcohol consumption may be entirely at the cheaper end of the market, and those people will be disproportionately disadvantaged by minimum alcohol pricing, even if they drink at a level which is not doing them any great harm.
So yeah, maybe the minimum alcohol pricing policy was dropped because of an evil conspiracy by the evil drinks industry (though bear in mind that minimum pricing might actually have increased their profits if the price elasticity of demand was low enough), but just maybe it was dropped for sensible economic reasons. | finance |
http://bellcotheatre.com/event/details/worlds-fair-of-money | 2018-06-24T11:12:41 | s3://commoncrawl/crawl-data/CC-MAIN-2018-26/segments/1529267866932.69/warc/CC-MAIN-20180624102433-20180624122433-00014.warc.gz | 0.850747 | 183 | CC-MAIN-2018-26 | webtext-fineweb__CC-MAIN-2018-26__0__115486230 | en | SIGN UP FOR OUR NEWSLETTER
Get the latest news & updates from the Bellco Theatre.
Tue, Aug 1 2017 - Sat, Aug 5 2017
See $1 billion of rare coins and colorful currency national treasures including historic Colorado gold, a famous $3 million nickel and a U.S. Treasury Department display with $100,000 bills at the American Numismatic Association World’s Fair of Money®, a family-friendly educational event, August 1-5, 2017, in the Colorado Convention Center in Denver. More than 500 dealers will be buying and selling, and many will provide free, informal evaluations of the public’s old coins and paper money.
When:Tuesday – Saturday, August 1-5, 2017
Hours: Tuesday, 1 – 5:30 pm; Wednesday – Friday, 10 am – 5:30 pm; Saturday, 10 am – 4 pm. | finance |
http://publicservicesalliance.org/2018/02/07/blockchain-bitcoin-and-digital-credentials-in-higher-ed/ | 2018-02-24T06:27:55 | s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891815435.68/warc/CC-MAIN-20180224053236-20180224073236-00497.warc.gz | 0.95397 | 554 | CC-MAIN-2018-09 | webtext-fineweb__CC-MAIN-2018-09__0__129387914 | en | If we happened to be in Berkeley CA today, we might be able to attend an Ed Surge sponsored “Meetup” to discuss “Blockchain, Bitcoing, and Digital Credentials in Higher Ed.” If not, it’s live-streaming at 8pm MST here. Bitcoin is about half of the valuation, as of 2/7/18, but it changes every day; using it for tuition isn’t really groundbreaking for learning. Hopefully, the part PSA is most interested in, using Blockchain as a way to legitimize digital credentials, is less volatile.
That’s the “singularity moment” for online learning…when credentials for individuals finally escape being captive to large institutional gatekeepers of “graduation and degrees”, and similar official recognition of learning achievements. Rather, learning achievement would include all learning activities however eclectic and disperse in origin, such as online makes possible, and would be valid for employment.
IOW, we are in the transition period from credentials based on a physical institution with standardized course lengths and formats, to a virtual location, where learning can be aggregated together independently of where it occurred. Say goodbye to transfer of credit hassles…but more to the point, take advantage of all the online learning can enable, which is, in many important ways, a thorough rethinking of what learning is, and how we do it.
In 2014, Kings College in New York became the first university in the U.S. to accept Bitcoin for tuition payments. But much has changed since then, including the value of Bitcoin itself, which skyrocketed to more than $19,000 in December and catapulted cryptocurrencies into the mainstream.
A handful of other universities (and even preschools) now accept Bitcoin for tuition, but that’s hardly the extent of how blockchains and tokens are weaving their way into education: Educators and edtech entrepreneurs are now testing out ways to harness blockchain technology to verify learning as well as issue degrees and credentials.
In this meetup, EdSurge HigherEd will talk with experts (see below) about how blockchain technology is being explored and experimented with in higher education, in particular around credentialing. Join us for a panel discussion, networking and light refreshments as we discuss the risks, the hype, and what else you need to know about blockchain in higher education.
- Phil Komarny, VP of innovation at Salesforce (formerly Chief Digital Officer at UT System)
- Aparna Krishnan, UC Berkeley student and leader of Blockchain at Berkeley student group
- Roberto Santana, Advisor to product and strategy at BitDegree (formerly Coursera) | finance |
http://www.cossashelties.org/On%20Line%20Entry.htm | 2013-05-20T20:28:24 | s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368699201808/warc/CC-MAIN-20130516101321-00069-ip-10-60-113-184.ec2.internal.warc.gz | 0.919029 | 174 | CC-MAIN-2013-20 | webtext-fineweb__CC-MAIN-2013-20__0__64362085 | en | On Line Entry
Please note: No entry will be considered accepted until payment has been received. Payment for online
entries can be paid at the bottom of this page. There is a $1.50 fee per entry included on all online entries.
Once you complete and submit your entries please return to this page to make payment.
You do not need a paypal account to pay through the shopping cart. You can pay using a credit card.
Sweepstakes classes should be entered under "additional classes".
Please remember if entering both days to change the quantity to 2 in the shopping cart for each class entered and update the cart before paying. You do not need a paypal account to pay through the shopping cart. Just choose the credit card option when prompted to do so.
Thank you for your entries!
Back to Specialties Page | finance |
https://baldivaluation.com/about | 2022-11-26T08:46:38 | s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446706285.92/warc/CC-MAIN-20221126080725-20221126110725-00816.warc.gz | 0.949353 | 944 | CC-MAIN-2022-49 | webtext-fineweb__CC-MAIN-2022-49__0__86686404 | en | Baldi Valuation evaluates commercial property based on objective analysis, in-depth knowledge of local real estate markets, and well advised judgment. We value customer relationships and understand our clients need quick turnarounds and attentive customer service with every assignment. We believe in a positive work environment, where people get excited about real estate and serving the industry. We cover a geography that encompasses the State of Connecticut and Rhode Island. Assignments are considered in New York and Massachusetts on a case-by-case basis.
Our difference is customer service and responsiveness. Considering the current economic climate, we understand that any reasonable advantage to successfully complete a transaction should be employed. That includes contracting with a responsive, professional, and objective commercial appraiser. Many of our lending clients would report that we have been an advantage, and a strongpoint, within their loan supply chain. We produce excellent work, and complete it on time, over and over again. Our clients have confidence in our turnaround times and quality, allowing them to get business done faster and more efficiently.
We provide independent valuations in accordance with the highest industry standards. Our clients often notify us that we have done an outstanding job for them, or that a borrower reported how the appraiser was responsive, respectful, and considerate. Our goal is nothing short of an outstanding review, and we do not tolerate late work, or work that is not absolutely first rate. All properties are inspected, and all valuations are carefully crafted by an MAI appraiser at our company.
Baldi Valuation continually focuses on improving product quality, communication, and the overall customer experience. Our firm uses state of the art appraisal software and technology that provides competitive advantage in data management, report quality, and production capacity. Baldi Valuation has a mission to stay a leap ahead of the competition in areas of technology.
All employees at Baldi Valuation have graduated from leading business universities, such as the University of Connecticut. Employees are carefully selected based primarily on their character. In addition, all of our employees are currently working towards full certification and an eventual MAI designation. An MAI Designation denotes the highest level of valuation education and experience. Employees are required to get involved within the industry with respect to membership in trade organizations, board positions, and specialty education.
Prior to founding Baldi Valuation, Mr. Baldi was employed at Italia and Lemp, Inc. for several years as a commercial real estate appraiser. At Italia and Lemp, he actively mentored and trained appraisers, and was one the primary appraisers for complex property appraisals.
Some notable appraisals include Statehouse Square, CityPlace II, the G Fox department store building, 265 Church Street office tower in New Haven, the Dyno Nobel explosives plant in Simsbury, the former Springfield Armory in Springfield Massachusetts, and several of the largest parking garages in New Haven and Hartford. Mr. Baldi has strong experience with multifamily properties, with appraisals for scattered site portfolios of nearly 700 units.
Prior to joining Italia and Lemp, Inc., he worked at the Connecticut Housing Finance Authority in the multifamily underwriting department and the multifamily asset management department. Mr. Baldi was also involved with the application process for low income housing tax credit (LIHTC) and tax-exempt bond financing programs.
Mr. Baldi has broad experience with multifamily, industrial, office, retail, and lodging property types, with his single largest valuation amounting to roughly $60,000,000 and several around the $50,000,000 mark.
B.S. Degree in Business Administration, summa cum laude
University of Connecticut, Storrs, Connecticut
Major: Finance, Real Estate and Urban Economics
Cumulative GPA: 3.94/4.00
The Appraisal Institute
MAI Designation No. 573416
Fully Licensed Certified General Appraiser in CT, RI, NY, MA
Licensed Real Estate Broker in CT
National Association of Realtors (NAR)
Greater Hartford Association of Realtors (GHAR)
The Real Estate Finance Association of Connecticut (REFA)
2015 Voting Board Member, Connecticut Chapter of the Appraisal Institute
2015 Chair of Public Relations, Connecticut Chapter of the Appraisal Institute
2016 Treasurer, Connecticut Chapter of the Appraisal Institute
2017 Second Vice President, Connecticut Chapter of the Appraisal Institute | finance |
https://uk.nepalembassy.gov.np/trade-in-nepal/ | 2024-04-13T21:15:33 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816853.44/warc/CC-MAIN-20240413211215-20240414001215-00353.warc.gz | 0.967345 | 350 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__152046543 | en | Foreign trade represented more than 50% of the Nepalese GDP in 2009. Although state policies have been modified with the changes of government, the country seems to be very eager to open its economy.
As a matter of fact, the Nepalese government is showing a special interest in establishing an export-oriented economy. Companies exporting more than 90% of their goods are exempted from custom duties, excise duties and sales taxes. However, there are major barriers to the development of trade, such as lack of skilled labor force, low level of advanced technology, difficult geographical accessibility, limited domestic market and high import duties (which can reach 140%).
Historically, for many years Nepal’s trade balance has been in deficit. Even if the exports have not been greatly hurt by the global economic crisis, the deficit has been deepening following an increase in imports.
Nepal’s main trading partners are India, China, Bangladesh, USA. The country mainly exports clothing, carpets, handicrafts, leather and jute products, vegetables and cereals Nepal imports oil and oil products, machinery & equipment and electronics.
Nepal had adopted liberal trade policy in 1992 and the new Trade Policy is announced in 2014. The foreign trade of Nepal is being directed towards wide range of countries in the world after Nepal became the member of WTO in 2004. Nepal has trade relation with more than 100 countries. Nepal has identified 19 selected items for exports through its National Trade Integration Strategy (NTIS) in 2010.
Nepal is facing a problem of ever increasing trade deficit. Import is rapidly increasing but the increase in export is very low. Nepal is facing trouble to take the advantage of globalization in trade. | finance |
https://docs.aurigami.finance/public/protocol/liquidity-mining | 2023-12-04T06:14:10 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100525.55/warc/CC-MAIN-20231204052342-20231204082342-00203.warc.gz | 0.943161 | 379 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__212359307 | en | Comment on page
The liquidity mining program is designed in a way that liquidity provider interests are aligned with the protocol’s long-term success. It rewards early participants generously while ensuring that the circulating supply of our governance token PLY increases gradually. This is achieved by a progressive locking mechanism that encourages delayed gratification.
- Allocation: 260,000,000 PLY
- Duration: March 2, 2022 - May 5, 2022
At maximum, 5% of pre-mine tokens will be in circulation the first week after the token launch because of the Progressive Locking mechanism.
- Allocation: 3,740,000,000 PLY
- Duration: 52 weeks
*Ecosystem Liquidity allocation is reserved for incentivizing Aurigami's liquidity growth via other platforms in the ecosystem. For example, vaults and integrations.
Every week, a portion of the PLY reward can be unlocked, while the rest will remain locked (as PULP).
The later the claim, the larger the percentage of PLY that will be unlocked. 76 weeks after the token launch, all PULP can be converted 1:1 into PLY.
Alice mines 100 PLY by Week 1, including premine rewards. If she were to claim, she would receive 5 PLY and 95 PULP (5% PLY, 95% PULP).Alice continues to farm and mines another 50 PLY by Week 4. If she were to make another claim in Week 4, she would receive 5.5 PLY and 44.5 PULP (11% PLY, 89% PULP).
Bob mines 200 PLY by Week 48, including premine rewards. If he were to claim, he would receive 198 PLY and 2 PULP. (98% PLY, 2% PULP) | finance |
https://www.cludenpark.com.au/what-s-on/news/racing-queensland-s-investment-growth-plan-receives-acceleration-boost/ | 2022-05-24T04:53:52 | s3://commoncrawl/crawl-data/CC-MAIN-2022-21/segments/1652662564830.55/warc/CC-MAIN-20220524045003-20220524075003-00483.warc.gz | 0.937513 | 471 | CC-MAIN-2022-21 | webtext-fineweb__CC-MAIN-2022-21__0__157232381 | en | More pages in this section
Racing Queensland’s Investment Growth Plan Receives Acceleration Boost
An increase in racing prize money has been guaranteed to Cluden Park thanks to a change in funding from the Palaszczuk Government.
This week, the Palaszczuk Government announced changes to return 35% of the Point of Consumption tax back to Queensland’s racing industry, beginning 1 January 2022.
This has resulted in a total increase of $5.5 million in prize money across the racing industry, including thoroughbreds, greyhounds, and harness racing.
Cluden Park’s races will receive upwards of $1.5k-$2k increases in prize money per race.
Cluden Park’s committee chairman, Malcolm Petrofski, has high praise for the decision.
“The announcement today around increased prize money is a good result for racing in Queensland,” said Petrofski.
“The decision to give all in the industry a chance to benefit, by not allocating prize money increases to just one or two feature races, is a sound one."
The government’s decision compliments Racing Queensland’s recent provision of $150,000 to the local horse racing and event hire facility to upgrade their track lighting system.
The funding comes as a result of Racing Queensland’s recent facilities audit process.
It is expected that the new LED lighting will reduce Cluden Park’s carbon footprint and provide improved safety for industry participants, primarily the horses, trainers, and jockeys who make use of the track in the dark hours of the morning.
The upgrade has local jockey, Frank Edwards, in high spirits.
“The new lighting is absolutely fantastic for the work we do on the track,” admitted Edwards.
“The bright LEDs afford a better view of proceedings, which is important when you can have up to ten horses at a time working on the track.
“Horses will be coming on and off during this time, and it’s great to now have this increased vision of the track ahead.”
The continued support of the industry from both government and governing bodies is a positive sign for the more than 12,500 Queenslanders employed in racing. | finance |
http://www.firstbankbaldwin.com/site/inv.html | 2014-08-30T10:09:38 | s3://commoncrawl/crawl-data/CC-MAIN-2014-35/segments/1408500834883.60/warc/CC-MAIN-20140820021354-00267-ip-10-180-136-8.ec2.internal.warc.gz | 0.932808 | 257 | CC-MAIN-2014-35 | webtext-fineweb__CC-MAIN-2014-35__0__206678811 | en | First Investments of Baldwin
The Harbour Investments Inc. strives to serve the needs of investors like you.
Harbour Investments Inc.
Harbour Investments Inc., member NASD, SIPC, a registered broker dealer, is not affiliated with First Bank of Baldwin. Securities and insurance products are offered through Harbour Investments Inc. and affiliated insurance agencies and are not insured by the FDIC, not a deposit or other obligation of, guaranteed by any bank, or subject to risks including the possible loss of principal amount invested.
Important Consumer Information:
This site is for informational purposes only and is not intended to be a solicitation or offering of any security
- Representatives of a broker-dealer ("BD") or investment advisor ("IA") may only conduct business in a state if the representatives and the BD or IA they represent (a) satisfy the qualification requirements of, and are approved to do business by, the state; or (b) are excluded or exempted from the state's licensure requirements.
- Representatives of a BD or IA are deemed to conduct business in a state to the extent that they provide individualized responses to investor inquiries that involve (a) effecting, or attempting to effect, transactions in securities; or (b) rendering personalized investment advice for compensation. | finance |
https://www.poker2u.fun/privacy-policy | 2024-02-22T23:09:35 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473871.23/warc/CC-MAIN-20240222225655-20240223015655-00040.warc.gz | 0.947004 | 180 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__152680623 | en | Poker2u.fun treats the client's personal information with care. We will do all possible to protect your personal information and data. To complete payments, we retain the right to disclose relevant personal information to payment service providers, as well as financial and insurance organisations, via the website.
All personal information provided by members is transferred using 128-bit SSL encryption. They will also be kept in a safe location that cannot be accessed. Furthermore, all internal data access will be rigorously limited and controlled.
At the same time, we'll demonstrate how we handle consumer information. We are legally obligated to use your personal data, and we must have a compelling purpose to acquire it (as to why your personal data is collected, we have a description of a particular page). We'll let you know why we're collecting your data and whether or not we need to share it with anyone else. | finance |
https://www.visauniversity.com/en/catalog/liveonline/payments-fundamentals | 2021-12-05T00:08:41 | s3://commoncrawl/crawl-data/CC-MAIN-2021-49/segments/1637964363125.46/warc/CC-MAIN-20211204215252-20211205005252-00020.warc.gz | 0.909433 | 556 | CC-MAIN-2021-49 | webtext-fineweb__CC-MAIN-2021-49__0__104250271 | en | New to payments or looking to strengthen your skills? Set yourself up for success by building a strong foundation of payments industry knowledge.
You’ll begin by exploring the payments landscape, where you’ll learn about the history and value of payments and how they work. You’ll discuss emerging payments models and see how issuers and acquirers can leverage new opportunities.
You’ll then receive an overview of operations as you dive into network processing, transaction use cases, billing and settlement and how to navigate Visa’s core rules. Next, you’ll discover why fraud matters, types of fraud and strategies issuers and acquirers can use to mitigate risk.
The course will conclude with a discussion on portfolio management, where you’ll learn more about getting into (and to the top of) customers’ digital wallets and how to measure your performance.
Upon completion of the course, you’ll return to your role with the knowledge and skills you need to help build and evolve strategy in your organization, drive business growth and improve your personal performance.
- The payments landscape (2 days)
- Evolution of payments
- Value of payments ecosystems
- How payments work
- Emerging trends, including real-time payments and cryptocurrency
- Issuer strategy
- Acquirer strategy
- Operations (1.5 days)
- Network processing
- Transaction use cases
- Billing, settlement and Visa Quarterly Operating Certificates
- Rules and technology specifications
- Fraud (2.5 days)
- Fraud by channel
- Issuer fraud management
- Acquirer and merchant risk management
- Fraud ecosystem tools
- Portfolio management (1 day)
- Acquiring new customers
- Lifecycle management
- Performance analysis
Who Should Attend:
- Individuals who are new to payments or who would like to strengthen their knowledge of the payments industry and key concepts and processes.
- Individuals who are in the banking industry and new to payments.
- All course sessions are listed in Pacific Time (PT). To convert to your time zone, click the clock icon next to the session listing.
- Accompanying course participant guides will be provided for you to download.
- Enrollment closes one business day prior to the session start date for virtual courses. You will not be able to enroll in a virtual course on the day of the session.
- Register for any multi-day virtual course at least six weeks in advance and receive a 15% discount. Enter the code Save15 at checkout to receive this offer.
Meet Our Experts
Learn from skilled instructors with professional experience in the field. | finance |
http://niceupyourarea.blogspot.com/2013/08/gm-cuts-chevy-volt-price-by-5000-to.html | 2017-08-21T04:25:46 | s3://commoncrawl/crawl-data/CC-MAIN-2017-34/segments/1502886107490.42/warc/CC-MAIN-20170821041654-20170821061654-00396.warc.gz | 0.958302 | 552 | CC-MAIN-2017-34 | webtext-fineweb__CC-MAIN-2017-34__0__197161900 | en | General Motors cut the starting price of the plug-in hybrid sedan by $5,000 to compete against the less-expensive and better-selling Toyota Prius and Nissan Leaf.
The 2014 Volt, arriving in U.S. dealerships later this month, will start at $34,995, the Detroit-based automaker said today in an e-mailed statement. The price cut comes, in part, to make sure the Volt shows up in online shopping searches along with the Prius and Leaf, which start, respectively, at $25,010 and $29,650, including destination fees, GM said.
“GM is getting with the times,” Michelle Krebs, a senior analyst with Edmunds.com, a website that tracks auto pricing, said in an e-mail. “Consumers want electric and plug-in hybrid vehicles at prices competitive with other vehicles without the advanced technology.”
The model, which is eligible for a $7,500 U.S. tax credit, was introduced in 2010. Volt is GM’s flagship car for its efforts to have about 500,000 vehicles on the road by 2017 with some form of electrification. The car can travel 38 miles (61 kilometers) on battery power before a gasoline engine engages.
“We have made great strides in reducing costs as we gain experience with electric vehicles and their components,” Don Johnson, Chevrolet U.S. sales vice president, said in the statement
While Volt sales rose 9.2 percent through July, deliveries slipped 3.3 percent last month. That followed a 53 percent gain in June when the average cost of incentives per Volt was $6,195, according to Edmunds, citing the most recent month with available data.
Leaf sales accelerated this year after Nissan in January added an S version of the Leaf that’s cheaper than the SV and SL models. Unlike the Volt, the Leaf has no extended range engine. Leaf sales more than tripled to 11,703 through July from 3,543 during the same period a year earlier, outselling Volt in the U.S. by 60 vehicles.
Toyota’s Prius is the most frequently traded-in vehicle for a Volt, GM said in the statement.
U.S. sales of the Prius were little changed through July with 143,508 deliveries. Those results include sales of a plug-in version of the Prius, which saw deliveries slip 8.3 percent, according to researcher Autodata Corp. The plug-in Prius starts at $32,810. Toyota also sells a subcompact Prius c that sells for $19,890. | finance |
https://www.mindset-tools-help.com/edssbc/backup | 2024-04-20T03:03:45 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817474.31/warc/CC-MAIN-20240420025340-20240420055340-00520.warc.gz | 0.928635 | 111 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__148601928 | en | The microEDS system makes it possible to use the Backup services of Decision Makers. Backup takes place on a daily / weekly basis. As part of the backup, an orderly copy of the unit's database is transferred for storage on the company's cloud servers. Use of the backup services involves payment under a commercial agreement.
Activating the backup allows the user to view the unit data continuously with the help of the company's EDS Client software. Use of the EDS Client software does not involve payment for customers who have purchased the backup agreement. | finance |
https://www.goatgvl.org/donate | 2023-09-21T14:58:25 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506028.36/warc/CC-MAIN-20230921141907-20230921171907-00093.warc.gz | 0.963664 | 154 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__303920795 | en | Since 2009, GOAT (Great Outdoor Adventure Trips) has taken nearly 10,000 students on unforgettable adventures because of the generosity of our supporters. Currently, 30% of our funding comes through monthly supporters - a group of faithful donors we call “The Tribe.” Funny enough, a group of goats is referred to as a “tribe.” We are trying to increase monthly support from 30% of donations to 50%.
Monthly giving allows us to plan better and allocate scholarships in advance. It allows us to tell a student that we know they can be a part of our program because The Tribe has made sure that we have the resources available for them. Would you prayerfully consider joining The Tribe?
Thank you for your generosity! | finance |
https://stake.fish/en/cardano/ | 2020-03-31T17:08:41 | s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585370502513.35/warc/CC-MAIN-20200331150854-20200331180854-00496.warc.gz | 0.951406 | 554 | CC-MAIN-2020-16 | webtext-fineweb__CC-MAIN-2020-16__0__131764755 | en | Cardano is a decentralized public blockchain evolved out of a scientific philosophy and a research-first driven approach. It uses Ouroboros, the first provably secure proof of stake algorithm. We are excited to support a project that is taking a scientifically rigorous approach to blockchain development.
Frequently Asked Questions
Here are answers to some of the questions our community members have asked us. Don't hesitate to reach out to us if you still have additional questions.
Cardano's Shelley era begins the road towards decentralization on Cardano. To test incentivization in a real-world setting, Cardano has created the Shelley incentivized testnet that will let delegators and validators (otherwise known as staking pools) earn real rewards.
A snapshot of the mainnet was taken at 12:00 UTC on November 29, 2019. Anyone who had ADA in Daedalus or Yoroi wallet will receive testnet ADA that they can use to become a delegator or run a validator.
Any of the staking rewards received will be transferred over to the Cardano mainnet after the Shelley incentivized testnet has concluded.
Cardano is a decentralized public blockchain evolved out of a scientific philosophy and a research-first driven approach. To learn more, please see their <url>whitepaper</url>.
New blocks on Cardano are proposed by validators. Validators typically have technical capabilities to put together a secure infrastructure that will be online 24/7 so that Cardano runs seamlessly.
Not everyone is able to do this, and so they can participate indirectly by delegating the tokens they have to a validator. In a sense, validators are running a service for delegators. Validators would typically charge a fee to cover their operational costs.
Once you delegate ADA, you are helping secure the network. For assisting in this, you get part of the rewards provided by the protocol. If you are planning to hold on to ADA for some time, delegating will help you accumulate more ADA while contributing to the health of the network.
You are not giving away ownership of ADA by delegating. We will never have the ability to move your ADA as a validator.
We charge 4% on the block rewards received by our delegators. For example, if a delegator receives 100 ADA as a reward, stake.fish will receive 4 ADA while the delegator will get 96 ADA. We offer one of the lowest fees of the strong proven validators.
If you have any questions about staking or our validator services, please do not hesitate to reach out to us. We are happy to talk with anyone and help navigate community members through this exciting new ecosystem.Get in Touch | finance |
http://econtechegypt.com/divisions/mep/elipse | 2023-11-28T08:48:21 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679099281.67/warc/CC-MAIN-20231128083443-20231128113443-00477.warc.gz | 0.947434 | 370 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__175980267 | en | It is more than 50 years since LOGSTOR developed the technology behind trail-blazing district heating solutions that revolutionised the energy sector – and continues to set new standards to this day. As the leading manufacturer of preinsulated pipe systems in the world, requirements on LOGSTOR’s energy-efficient products are sky high. Production is distinguished by peerless sector experience backed by constant innovation at the cutting edge of the latest technology.
This ensures LOGSTOR’s customers an investment in the most energy-efficient and sustainable transport of liquids and gases for district heating and cooling and for the shipping, oil and gas industries.
LOGSTOR’s head office is located in Løgstør, Denmark, and the company employs around 1,200 people in 12 different countries. Production is carried out at the group’s eight factories in Denmark, Finland, Poland, Romania and Sweden.
LOGSTOR is fully owned by Triton Fund III. The Triton funds invest in and support the positive development of medium-sized businesses headquartered in Northern Europe – with a focus on companies in Austria, Denmark, Finland, Germany, Italy, Norway, Spain, Sweden and Switzerland. Within this European region, Triton focuses on businesses in the Industrial, Business Services, and Consumer/Health sectors.
Founded in 1997, Triton seeks to contribute to the building of better businesses for the longer term. Triton and its executives wish to be agents of positive change towards sustainable operational improvements and growth. The 29 companies currently in Triton’s portfolio have combined sales of approximately € 13.8 billion and over 59,000 employees.
The Triton funds are advised by dedicated teams of investment professionals based in Germany, Sweden, United Kingdom, Luxembourg and Jersey. | finance |
http://www.moneyplanningwichita.com/ | 2017-10-17T20:10:08 | s3://commoncrawl/crawl-data/CC-MAIN-2017-43/segments/1508187822488.34/warc/CC-MAIN-20171017200905-20171017220905-00718.warc.gz | 0.926223 | 132 | CC-MAIN-2017-43 | webtext-fineweb__CC-MAIN-2017-43__0__34022129 | en | Wichita, KS Financial Planning Services
Baxter & Associates, Inc.
Welcome to Baxter & Associates, Inc. of Wichita, KS. We have been assisting people achieve their financial goals for over 40 years. Don Baxter, CFP and Mickey Ellison, CFP are always ready to give their professional service. We assure our clients satisfaction. Be one of our satisfied customers.
About Baxter & Associates, Inc.:
- 40 years of experience
- Financial planning services
- Professional and reliable service
We are located southeast of 21st and K-96 intersection.
Contact Baxter & Associates, Inc. today at 316-652-0101. | finance |
https://appsmasterbuilder.com/2019/09/09/money-leaks/ | 2024-02-28T15:24:01 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474737.17/warc/CC-MAIN-20240228143955-20240228173955-00712.warc.gz | 0.959755 | 480 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__135040703 | en | How To Stop Money Leaks
People are always trying to save money, especially with today’s economy.
The price of everything has gone up, requiring people to be more conscientious about money. The problem is that by the time the mortgage, car, utilities, and credit cards are paid, there is little money to put aside. Saving money is not that hard, just a matter of learning all the different options and being creative.
In addition to the obvious of putting money into a retirement fund or savings account, there are hundreds of ways to save money. Although some ways of saving may not seem like much, once you add them up at the end of the year, you will see how substantial the savings really are.
Keep in mind that saving is more than a single lump sum of money put aside. Saving is something found in your everyday life by the way you live and the choices you make.
Rome was not built in a day and neither will your bank account be. Each penny saved is one more penny than before. If you have the ability to save big, that is great. However, most people are not in that position, which is why this e-book will show you how little savings can add up quickly.
Be encouraged that it is never too late to start saving, regardless of your age. Set your mind that now is the time to start building your future.
Imagine you have a huge water pot. Each morning you fill that water pot to the brim with lovely refreshing clean water HOWEVER you don’t realize that the water pot has numerous leaks in it.
Of course… During the day that water pot slowly runs empty because of all of the leaks. You come home from work dying of thirst and you go to your precious water pot and it’s dry.
Sadly this is what we do with our money too… Unless we find ways to save it our financial life resembles very much that of the water pot.
Unless we plug the leaks there will come a day when we need to buy something but the money pot will be dry.
It all starts with plugging the biggest leaks first…
Plug just one big leak and that will keep the water and money pot fuller for longer. Manage to plug a few other leaks and your money pot will not be empty when you need it most. | finance |
http://support.versum.com/support/solutions/articles/24000041264-how-to-enable-prepayments | 2019-08-22T05:37:51 | s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027316783.70/warc/CC-MAIN-20190822042502-20190822064502-00086.warc.gz | 0.849513 | 266 | CC-MAIN-2019-35 | webtext-fineweb__CC-MAIN-2019-35__0__36332808 | en | Once you enable the feature of prepayments, you will be able to enter information about your clients' prepayments into the system. The information will be visible when adding and editing an appointment and in the customer record. The revenue from prepayments will be accounted for in your financial reports.
In order to enable prepayments:
- Log in as an administrator
- Click settings in the main left sidebar
- Click the prepayments button:
- Click the enable prepayments button in the right upper corner:
- Configure the prepayments settings:
• Default prepayment amount - set the defulat prepayment amount for all services in your salon. You can select a percentage or a fixed amount. You will have the possibility to set exceptions for particular services when adding a new service or editing an existing one.
• Minimum prepayment amount - choose whether you want to set a minimum prepayment amount that will apply to all services and if so, specify the minimum amount.
• Round prepayment amounts down to the nearest whole number - determine whether prepayment amounts should be rounded down to the nearest whole number. This function may be particularly useful if you set the defult prepayment amount as a percentage.
- Click save changes. | finance |
https://dimartinodental.com/insurance-financing/ | 2024-02-27T01:01:37 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474669.36/warc/CC-MAIN-20240226225941-20240227015941-00110.warc.gz | 0.956519 | 274 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__94560430 | en | Insurance & Financing
At Dr. Mark DiMartino, D.D.S, we firmly believe that you deserve top-of-the-line dental care available. Therefore, we provide several services and high-quality procedures to meet all your dental needs.
However, many people refrain from going to the dentist citing financial concerns. It is a misconceived notion that dental care is always expensive. We do everything in our power to provide affordable dental care for all. We accept most Excellus plans, a few of them are:
- Blue Select
- College Blue
- Dental Blue Options
- Medicare Advantage
- Smile Saver
- Simply Blue Plus Dental
We accept care credit as payment too. Care credit is a simple healthcare credit card that you can use to pay for your medical and dental needs. Once the payment is made, care credit will generate a suitable monthly payment plan through which you can pay it back.
Cash and Credit Card
If you don’t have insurance or care credit, you can always visit us at Dr. Mark DiMartino, D.D.S, and we’ll chart out a solution for you. You can pay according to the treatment you receive, and the time it takes to complete it. We also accept credit cards as payment for your dental services. | finance |
https://alabamaplanning.org/event/strong-towns-workshop/ | 2024-04-16T10:05:19 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817081.52/warc/CC-MAIN-20240416093441-20240416123441-00430.warc.gz | 0.896614 | 810 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__60828240 | en | - This event has passed.
Strong Towns Workshop
April 15, 2015 @ 8:00 am - 4:00 pm$25
The Strong Towns Workshop covers Strong Towns Thinking, the predicament of funding, the finance of places, and understanding transportation and mobility.
Strong Towns is a non-profit, non-partisan organization that helps America’s towns achieve financial strength and resiliency.
They travel the nation to promote a complete understanding of the costs that are associated with our communities’ methods of growth, and they advocate to address those costs via productive changes in our pattern of development.
- 8:00 am-8:30am Registration
- 8:30 AM – Workshop Opening and Introductions
- 8:45 AM – Introduction to Strong Towns Thinking
- 9:00 AM – The Predicament of Funding
- Financing Growth
- Funding Transportation
- 10:30 AM – Break
- 10:45 AM – The Finance of our Places Overview:
Local government decisions are dominated by our desire to experience growth and create jobs, but what if these short term objectives are undermining the long term health of our cities? This session explains how the way we currently build and finance cities provides an “illusion of wealth” but creates enormous long term liabilities. Participants will learn how local governments can make high return investments and update methods for evaluating the financial viability of a project.Topics Covered:
- How horizontal growth creates an illusion of wealth for local governments, providing nominal, near-term, financial gains in exchange for enormous, long-term financial obligations.
- How to identify a financially productive place, one that produces more wealth for the community than it requires in services and subsidies.
- How to calculate the public’s return on investment, the actual dollars that the local government will have returned to it for the dollars that it commits to a project.
- Developing an understanding of salvage value and how it is properly applied in the context of a local government project.
- How grants, low interest loans and public/private partnerships impact the long term viability of a project.
- How to build a strong tax base using an incremental public investment strategy that blends low risk / stable return investments with low risk / high return speculation.
- 12:15 PM – Lunch
- 1:00 PM – Shared Values: Understanding Transportation and Mobility
Investments in transportation have long been synonymous with economic growth and job creation. While this was often the case in the early days of highway building, that correlation is no longer guaranteed, especially at the local level. With road maintenance liabilities overwhelming federal, state and local budgets, a more strategic approach is needed. By understanding the difference between a road and a street, local governments can spend less money and attain better results, improving their financial health.Topics Covered:
- A brief history of highway engineering, particularly as it applies to construction of local projects.
- An introduction to the concept of a stroad, a street/road hybrid, and why a stroad is expensive to build, unsafe to use and financially low yielding.
- How to build high performance roads.
- How to build streets that create significant financial value for a community.
- An understanding of congestion and how it signals different things for roads and streets.
- How cities can respond to congestion on a limited budget.
- Understanding how the concept of a “Complete Street” fits into a financially productive road/street strategy.
- 3:15 PM – Wrap Up
- 4:00 PM – Workshop End Time
6.0 CM credits are available for this event.
Registration / More Information
To register, visit RPCGB’s website.
Registration is $25, which includes lunch. Registration is $225 if seeking CAPZO credits.
Payment must be received by April 10. | finance |
http://www.datastackenterprises.com/transactional-compliance/ | 2019-11-20T04:17:23 | s3://commoncrawl/crawl-data/CC-MAIN-2019-47/segments/1573496670448.67/warc/CC-MAIN-20191120033221-20191120061221-00496.warc.gz | 0.936209 | 451 | CC-MAIN-2019-47 | webtext-fineweb__CC-MAIN-2019-47__0__72501466 | en | In Data Stack Enterprises, we provide professional tax consulting, advisory and accounting Services Company offering a wide range of taxation and accounting services such as Corporate Tax planning, tax filing, tax auditing, investment plans, account maintenance, account book keeping, preparing balance sheets, profit and loss statement and financial advisory services.
The Indian taxation environment is ever changing and can be challenging for any business. Our main focus is to identify opportunities for our clients that can help them to manage their affairs in the most tax efficient manner.
We provide the following services :
- Tax planning services and tax consultancy services which includes international taxation, Indian direct tax consultancy to corporate clients, Indian resident individuals and NRI’s, transfer pricing, double taxation avoidance agreements(DTAA), etc.
- Tax compliance
- Tax representation
- Miscellaneous tax assistance
Despite the various reforms carried out in the past few years, the prevailing Indirect tax regime in India is still in the state of evolution. It comprises plethora of laws, rules and regulations at the central and the state level. At its present structure, it poses unique challenges to business organisation and often have significant impacts – on cash flow, absolute costs and risk exposures.The Government is striving continuous changes in the Indirect Tax Laws to make it more assessee friendly. Proposed implementation of GST is an active step to integrate all indirect tax laws (Central Excise Duty, Customs Duty, Central Sales Tax, Value Added Tax (VAT) and Service Tax) under one law. In this direction, major step has been taken by introducing Negative List based Service Tax Regime which is being considered as significant move towards smooth transition to GST. We, at Data Stack Enterprises, have dedicated team of experts providing multidimensional professional services in various Indirect Tax Laws. Our team gives you the perspective and support to manage indirect taxes more effectively and efficiently.
We provide services for.,
• Software Technology Parks of India, STPI
• Central Excise and Customs Act
• Import, Export Code Number
• Shop Act, MSME Act
• Service Tax
• Provident Fund and Miscellaneous Provisions Act
• ESIC Employee State Insurance Corporation
• Special Economic Zone Act 2005- SEZ –IT Companies | finance |
https://akashmitra.com/articles/7-using-vix-to-determine-short-term-nifty-ranges | 2023-10-02T05:38:23 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510967.73/warc/CC-MAIN-20231002033129-20231002063129-00803.warc.gz | 0.87565 | 947 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__107143933 | en | VIX or Volatility index essentially defines the statistical boundary for NIFTY in the future. Precisely, a value of VIX indicates that NIFTY is likely to remain within the VIX percentage in the next 1 year with 67% probability (that is within 1st standard deviation). For example, if NIFTY is at 10,000 and VIX is at 15, this means that NIFTY is likely to remain within 8,500 to 11,500 in next 1 year, with 67% probability.
It is, however, possible to use VIX to determine the short term ranges for NIFTY as well, say for next T = 7 days. For that, the VIX range will need to be scaled with square root of (TD/T), where TD = total available trading days in 1 year and T = duration of the shorter term.
This study attempts to use this technique to determine the short-term NIFTY ranges and then compare them with actual data to determine the effectiveness of using VIX for short term range prediction.
We will conduct a study for approximately 34 months of data, starting from January 2020. We will try to use VIX to predict the ranges of NIFTY in the next T = 7 days. Let's begin.
import math from nsepy import get_history from datetime import date from numpy import ceil # Get all daily nifty price data since January 2020 nifty = get_history('NIFTY', start=date(2020, 1, 1), end=date(2022, 10, 24), index=True) # Get the VIX data for the same period vix = get_history('VIX', start=date(2020, 1, 1), end=date(2022, 10, 24), index=True) # Add the VIX in same dataframe nifty['vix'] = vix['Close'] # Now, we will calculate PERIOD = 7 day range of # NIFTY for any given day PERIOD=7 variance = nifty['vix']/math.sqrt(252/PERIOD) / 100 nifty['pred_range'] = nifty['Close'] * variance # And predict max and min values of NIFTY on the 7th day. # There is 67% chance (first Standard Deviation) # that NIFTY will remain in this range. nifty['pred_min'] = ceil(nifty['Close'] - nifty['pred_range']) nifty['pred_max'] = ceil(nifty['Close'] + nifty['pred_range']) nifty
Let's see what we got so far -
As you can see above, for each day, the last 2 columns (pred_min and pred_max) tells you the minimum and maximum of NIFTY values expected within the next 7 days.
Now, we need to see if NIFTY actually remained within this predicted range in next 7 days.
# Now let's add the actual max and min # values of NIFTY in the next 7 days nifty['act_min'] = nifty['Close'] .rolling(PERIOD, 1).min() nifty['act_max'] = nifty['Close'] .rolling(PERIOD, 1).max() # So, how many times do NIFTY # breach the VIX boundary? Let's find out. nifty['breached'] = nifty['act_min'].le(nifty['pred_min']) | nifty['act_max'].ge(nifty['pred_max']) # calculate how many times breached occurred nifty['breached'].sum() * 100 / nifty['breached'].count()
The answer that comes out is - 28.82%.
In other words, NIFTY remains within the predicted range in 100-28.82 = 71.18% of days.
This result is slightly better than the expectation. Since VIX represents z-score corresponding to 1st Standard deviation, I was expecting NIFTY to remain within the range for 67% of cases. As it appears, NIFTY was actually within the range for ~71% of cases.
Please note that the above result is based on the NIFTY's Closing price. It is possible that NIFTY have breached more than that if we perform the analysis based on intraday low/high prices.
Next, let's try to find the effectiveness of VIX for multiple short term periods and over the years. | finance |
https://www.rockwoodbank.com/loans/ | 2019-06-18T15:13:12 | s3://commoncrawl/crawl-data/CC-MAIN-2019-26/segments/1560627998755.95/warc/CC-MAIN-20190618143417-20190618165417-00083.warc.gz | 0.948029 | 418 | CC-MAIN-2019-26 | webtext-fineweb__CC-MAIN-2019-26__0__97508808 | en | Do you want to fulfill a dream? Do you have a short-term opportunity? Are you doing some long-range planning? Put our experience to work when you need a loan for any reason.
We invest in local businesses and individuals with loans and we employ local people. Decisions are made in our community so there is no waiting for answers from across the region or country. Whether you’re buying a home or a business, it helps to work with someone who knows the area.
Rockwood Bank provides loans of all sizes to help meet your financial goals. As a community bank, we are investing in your family, your work and your life. We will be there every step of the way as your trusted financial partner.
Our Loan Officers are here to meet your mortgage, personal and business loan needs. They will be glad to help you through the borrowing process. Because we approve loans locally with an easy mortgage application process, we can offer the kind of personal attention you deserve, along with a wide range of services to fit all of your financial needs.
Types of Loans
Real Estate Loans (Short-term & Long-term fixed rates)
Our real estate loans can assist you with your real estate purchase or refinance. For more information, visit our Mortgage Center.
Home Equity Loans/Lines of Credit
If you need money for education costs, home repairs, remodeling, our Equity Line of Credit may be the solution.
Home Improvement Loans
Our real estate loans can assist you with your real estate purchase or refinance.
Our construction loans are simple and convenient. The loan disbursement process is managed internally for better customer service.
We offer competitive rates and terms on our business loans that are tailored to meet your specific needs.
Personal Installment Loans
Rockwood Bank will always try to help make your dreams come true.
Put yourself in the driver's seat when you're ready to purchase a vehicle.
Certificate of Deposit Loans
You can borrow against your Rockwood Bank fixed-rate Certificate of Deposit. | finance |
http://chathamrepublicans.com/contributions.shtml | 2017-04-27T05:13:18 | s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917121869.65/warc/CC-MAIN-20170423031201-00034-ip-10-145-167-34.ec2.internal.warc.gz | 0.930216 | 268 | CC-MAIN-2017-17 | webtext-fineweb__CC-MAIN-2017-17__0__41940496 | en | CHATHAM REPUBLICAN TOWN COMMITTEE
NORTH CHATHAM, MASSACHUSETTS 02650
Contributions to political committees in Massachusetts are subject to maximum amounts set by law. Campaign donations are not tax deductible. Limits are as follows (all limits are for a calendar year):
- The maximum amount an individual (other than a registered lobbyist whose limit is $200) may donate to the Chatham Republican Town Committee (CRTC) $5,000, with an aggregate limit on contributions by an individual (including registered to lobbyists) to all state, county and local committees of $5,000 per year (per party).
- Corporate contributions are prohibited.
- The CRTC must maintain detailed records of all contributions, including the name and residential address of contributors. The CRTC must also obtain the occupation and employer of those who give $200 or more in a calendar year.
- An individual making a contribution to the CRTC attests he or she is making this contribution with his or her own personal funds which will not be reimbursed by another person, corporation or other entity.
You may also donate to us online securely and quickly by clicking on the Donate button on our home page labeled "DONATE NOW."
Thank you for your support of our efforts. | finance |
https://crm.mennohomes.com/node/2 | 2020-02-18T16:55:00 | s3://commoncrawl/crawl-data/CC-MAIN-2020-10/segments/1581875143784.14/warc/CC-MAIN-20200218150621-20200218180621-00260.warc.gz | 0.937466 | 110 | CC-MAIN-2020-10 | webtext-fineweb__CC-MAIN-2020-10__0__169030208 | en | Add a Pledge
If you have received pledges by cash or by cheque, you can record them here. Please enter the donor's name for easier tracking of pledges.
Note - their name will not appear on the honour roll. If you would like to do so please contact me at [email protected] and I can enter the information directly to the website.
If a donor has donated online by credit card, the donation automatically shows on your personal page, and there is no need to enter the details here. | finance |
https://protectingyourpocket.blog.palmbeachpost.com/2015/10/19/scammers-posing-as-card-issuers-of-new-computer-chip-cards/ | 2020-01-21T21:03:09 | s3://commoncrawl/crawl-data/CC-MAIN-2020-05/segments/1579250605075.24/warc/CC-MAIN-20200121192553-20200121221553-00531.warc.gz | 0.934966 | 373 | CC-MAIN-2020-05 | webtext-fineweb__CC-MAIN-2020-05__0__55237040 | en | Millions of consumers haven’t received their new “chip cards,” and now scammers are taking advantage of the situation, the Federal Trade Commission said today.
Credit and debit cards with computer chips — small metallic squares — are being issued to replace outdated, magnetic-strip cards. The newer technology is more secure as the chip creates a unique transmission code each time the card is used for payment.
Here’s how the scam works, the FTC says: Scammers are emailing people, posing as their card issuer. The scammers claim that in order to issue a new chip card, you need to update your account by confirming some personal information or clicking on a link to continue the process.
If you reply to the email with personal information, the scammer can use it to commit identity theft. If you click on the link, you may unknowingly install malware on your device. Malware programs can cause your device to crash, monitor your online activity, send spam, steal personal information and commit fraud.
Here’s how to tell if you’re being scammed, the FTC says:
- There’s no reason your card issuer needs to contact you by email — or by phone, for that matter — to confirm personal information before sending you a new chip card. Don’t respond to an email or phone call that asks you to provide your card number. Period.
- Still not sure if the email is a scam? Contact your card issuers at the phone numbers on your cards.
- Don’t trust links in emails. Only provide personal information through a company’s website if you typed in the web address yourself and you see signals that the site is secure, like a URL that begins https (the “s” stands for secure). | finance |
http://www.uwc2c.com/faq.html | 2017-03-24T19:50:25 | s3://commoncrawl/crawl-data/CC-MAIN-2017-13/segments/1490218188553.49/warc/CC-MAIN-20170322212948-00201-ip-10-233-31-227.ec2.internal.warc.gz | 0.957289 | 810 | CC-MAIN-2017-13 | webtext-fineweb__CC-MAIN-2017-13__0__173518057 | en | The Coas2Coast card can save you up to 75% on prescriptions as well as up to 60% on dental care in many locations. You can also save up to 50% on eye care needs including glasses and contact lenses at participating vision care providers. Save on hearing needs including a free initial hearing exam and discounts of 35% off the price of hearing aids with participating providers Cardholders can save up to 70% on their diabetes supplies by ordering online. You just might be able to save on veterinary services for your pets. To find out more information about these services or to locate a provider in your area, call toll free 1-800-931-8872.
The card is not insurance nor is it designed to replace insurance. The program has been designed to help those uninsured and under-insured save on health related costs. A cardholder that is covered by health insurance will probably receive the greatest benefit by using his or her health insurance prescription card. Only one card can be used when filling a prescription so the Coast2Coast card cannot be used along with insurance - but it does pay to compare cards.
Yes, occasionally. There are more than 60,000 drugs covered by this discount prescription card. In the event that a health insurance prescription plan does not provide coverage for a particular drug, it is likely that the Coast2Coast card will provide a discount for that drug - so always check before your pay.
One card can be used to provide benefits for the entire family but if you prefer each member of your family can have their own card since the cards are free and there is no cost for you to use a card.
Coast2Coast provides a benefit that gives back in many ways. From its inception, Coast2Coast was developed on a business model and philosophy of giving back part of their proceeds to support local community needs and provide additional funding solutions to help address gaps in services. This partnership model provides a $1.25 donation to the participating United Ways that have joined our partnership for investment in their community work each time the card is used to fill a prescription in their community. Coast2Coast is proud to offer this partnership that not only provides access to affordable medicine with the goal of improving both consumers' health outcomes and their personal finances but also creates revenue to support vital community programs and services.
Financial Marketing Concepts, Inc., of Ponte Vedra Beach, FL is the parent company of the Coast2Coast Rx card and has been in the benefit programs market for more than twenty-five years.
The Coast2Coast card can help save you money on prescriptions, vision, dental and other health related services. There is no application or paperwork to complete and no health questions will be asked.
What pharmacies accept the card?
The Coast2Coast card is free and is easy to use. Just resent the card at your pharmacy or other health provider to see if you can reduce your costs. Visit the Pharmacy Locator section to view a list of participating pharmacies in your area.
Copyright © Coast2CoastRx
This is NOT insurance. Discounts are only available at participating pharmacies. By using this card you agree to pay the entire prescription cost less any applicable discount. Savings may vary by drug and by pharmacy. The program administrator may obtain fees or rebates from manufacturers and/or pharmacies based on your prescription drug purchases. These fees or rebates may be retained by the program administrator or shared with you and/or your pharmacy. Prescriptions purchased through this program will not be eligible for reimbursement through Medicaid, Medicare or any other government program. This program does not guarantee the quality of the services or products offered by individual providers. We do not sell your personal information. Call the member toll-free number on the front of the ID card (1-800-931-8872) to file a complaint related to this program. Note to Texas consumers: You may contact the Texas Department of Insurance if you remain dissatisfied. | finance |
https://www.fmfr.com/logix-2/ | 2024-02-23T21:26:56 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474445.77/warc/CC-MAIN-20240223185223-20240223215223-00133.warc.gz | 0.934486 | 200 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__23052420 | en | FM Resource Management
“We have used FM Resource Management for several years to help control access to our fuel and provide us with required data to obtain State and Federal tax rebates. They’ve always been very helpful and responsive.”
– Manager of Commercial Financial Operations
Do you believe you are losing money either with insufficient inventory control or perhaps even theft?
Have you deployed a secure way to track your fueling expenses in your yard or on your bulk tank?
How are you tracking your fuel purchases and related costs?
FM Resource Management can provide your business comprehensive data management services to assure your minimizing costs. FM Resource Management is your solution for a total fuel management system:
- Limited capital expenditure for your company
- Potential to save your company money
- Collection of key data with a few strokes on a keyboard
- Overhead reduction
- Enables real time reporting to decrease tax exposure from dyed diesel fuels sales and usage
- Compliance with state and federal agencies. | finance |
https://bwg.ee/en/insurance/ | 2024-02-24T20:14:39 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474544.15/warc/CC-MAIN-20240224180245-20240224210245-00200.warc.gz | 0.93964 | 520 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__192599512 | en | Do you need to transport valuable goods but aren’t sure whether they’ll be insured for their full value?
Below is an overview of what your goods will be covered for and what you’ll need to take out extra insurance for. Don’t worry – it isn’t expensive at all!
We’ll do our best to make sure your goods reach the client intact and on time. Unfortunately, goods transport is never 100% risk-free, which is why it’s important to know that the haulier’s liability is limited.
If goods are lost or their value is reduced, this is covered by the haulier’s liability insurance, which is directly linked to the type of transport and the gross weight of the goods being transported, as follows:
*Road transport – up to 8.33 SDR per kg
*Sea transport – up to 2.00 SDR per kg
*Air transport – up to 19.00 SDR per kg
In addition to caps on compensation, haulier’s liability only covers damage resulting from the fault of the haulier. The haulier is not liable for damage arising from unavoidable circumstances, such as theft.
In the case of lightweight and/or valuable goods, we definitely recommend taking out full freight insurance.
The price of full freight insurance takes into account the route, the type of goods, the type of transport, packaging and the cost of the goods.
For example, a 200 kg pallet holding €7000 worth of goods is covered with haulier’s liability insurance up to €2000.
The cost of the insurance in this case would be just €25.
Transporting of television sets, on a pallet weighing 200 kg, to a value of €7000. The cost of the insurance in this case would be just €25.
Transporting of an Iglucraft cabin to Spain, weighing 900 kg and valued at €6500. The cost of the insurance in this case would be just €15.
Transporting of production equipment from Estonia to Italy, weighing 4353 kg and valued at €85,000. The cost of the insurance in this case would be €131.
Transporting of furniture to Norway, weighing 500 kg and valued at €5600. The cost of the insurance in this case would be just €15.
For a personal offer on insurance, e-mail [email protected] or call +372 5837 1036. | finance |
https://mnogo-it.ru/konstantin-vladimirovich-tserazov-april-growth-will-be-supported-by-high-prices-for-oil-and-metals/ | 2023-09-30T18:59:31 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510707.90/warc/CC-MAIN-20230930181852-20230930211852-00668.warc.gz | 0.928213 | 779 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__149825867 | en | In the world of global economics and financial markets, every move is scrutinized and analyzed for potential trends and outcomes. In this context, the insights provided by experts hold significant weight, and one such expert, Konstantin Vladimirovich Tserazov, has recently shed light on the upcoming April growth that is expected to be bolstered by the soaring prices of oil and metals.
Mr. Tserazov, a renowned economist and market analyst with years of experience in tracking and predicting market behavior, has offered valuable perspectives on the current economic landscape. His observations suggest that the growth trajectory anticipated for the month of April is not just a result of organic market forces, but rather, it is to a large extent influenced by the notable surge in oil and metal prices.
Oil Prices: A Driving Force
Oil, often referred to as the lifeblood of the global economy, has consistently demonstrated its ability to impact various sectors. According to Konstantin Vladimirovich Tserazov, the recent uptick in oil prices can be attributed to a combination of factors, including geopolitical tensions, supply chain disruptions, and increasing demand as economies recover from the impacts of the pandemic, more here https://vechor.ru/news-today/konstantin-vladimirovich-tserazov-april-growth-will-be-supported-by-high-prices-for-oil-and-metals.
Mr. Tserazov’s analysis indicates that as oil prices rise, countries heavily reliant on oil exports experience improved economic conditions, translating into increased fiscal space for development and investments. This, in turn, contributes to the overall positive outlook for the global economy in the coming month.
Metals Market: A Parallel Boost
Metals, another critical component of economic activity, are also expected to play a pivotal role in the impending growth. Konstantin Vladimirovich Tserazov notes that the demand for metals, ranging from industrial applications to technology manufacturing, has surged remarkably. This surge is intertwined with the ongoing shift towards sustainable energy solutions, which require substantial amounts of metals like copper and lithium.
The increased demand for metals, combined with supply constraints due to various factors, has led to a rise in metal prices. This price surge not only benefits mining companies but also contributes to economic growth by stimulating related industries and sectors.
The Intersection of Factors
As Konstantin Vladimirovich Tserazov points out, the synergy between rising oil and metal prices creates a favorable environment for economic growth in April. The improved economic conditions of oil-exporting nations, coupled with the vibrancy of the metals market, result in a scenario where multiple economic indicators align to indicate positive growth prospects.
It’s important to note that while these factors are indeed influential, market dynamics are complex and multifaceted. Various external events and unforeseen circumstances could potentially impact the predicted growth. Nonetheless, the insights shared by Mr. Tserazov provide a valuable framework for understanding the potential drivers behind the expected April growth.
In the ever-changing world of finance and economics, expert insights can serve as guiding lights amid uncertainty. Konstantin Vladimirovich Tserazov’s analysis of the relationship between oil, metals, and April growth offers a comprehensive perspective on the upcoming economic landscape. By recognizing the significance of these factors, market participants, investors, and policymakers can make informed decisions to navigate the dynamic economic environment.
As April approaches, all eyes will be on how the interplay of these factors unfolds, and whether the projected growth materializes as anticipated. With the expertise of analysts like Konstantin Vladimirovich Tserazov, the financial world gains a deeper understanding of the intricate threads that weave the global economy together. | finance |
https://sk.curling.io/en/events/12455-2022-2023-curling-club-women-s-provincial-kindersley | 2024-04-13T19:22:46 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816832.57/warc/CC-MAIN-20240413180040-20240413210040-00367.warc.gz | 0.887188 | 151 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__14510155 | en | Payment must be received prior to playing in the competition.
OPTION 1: Pay now via credit card. CURLSASK will provide a full refund to all registered teams less $5/player administration fee should the event be cancelled.
OPTION 2: Mail a cheque to CURLSASK, 613 Park St, Regina, SK S4N 5N1. Cheques will not be deposited until after the registration deadline. Should the event be cancelled, cheques will be destroyed. Select the CASH/CHEQUE option upon registering.
OPTION 3: Teams will be contacted after the registration deadline to provide payment. Select the CASH/CHEQUE option upon registering. | finance |
https://wsjz2021.com/investing-in-digital-real-estate-2/ | 2024-04-21T23:45:22 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818067.32/warc/CC-MAIN-20240421225303-20240422015303-00517.warc.gz | 0.945872 | 443 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__8726082 | en | Digital Real Estate is the virtual land that exists within online worlds. It is used for a variety of purposes including socializing, commerce and trade. Digital real estate is growing in popularity because it can be created and managed without the same overhead costs as traditional real estate investments.
Investing in digital real estate can be done from any computer with an internet connection. It is also a great way to diversify an investment portfolio, as it reduces the risk of losing all of your money in one sector if that sector crashes. Digital products are easier to create and can be sold for a steady profit over time. We have seen sites monetized with Google AdSense generate $400-$1000 per day and ecommerce and affiliate sites earn $700-$2000 per day. The sky really is the limit!
Some digital worlds mimic the concept of land ownership in the real world, with users buying and selling virtual land. Virtual land can have many attributes, and some platforms even allow for the creation of custom structures to increase value and use.
The value of a piece of virtual land depends on how popular it is. For example, a large virtual space that is close to popular areas can be very valuable. Similarly, a small piece of virtual land that is located far away from popular spaces can be less valuable. Also read https://www.joehomebuyertriadgroup.com/
When investing in digital real estate, it is important to do your research. Look at market trends, how much similar pieces of virtual land have sold for in the past, and what is the future potential of your particular piece of virtual property.
Another important consideration when purchasing digital real estate is how stable the platform is. If the platform you have purchased land on fails, or loses a significant amount of its user base, then your digital real estate could become worthless. To avoid this, make sure that you purchase your virtual land from a reliable and established platform.
The blockchain technology that underpins digital real estate is also making the process of transacting faster and more secure than traditional methods. This technology can also help to ensure that buyers and sellers are who they say they are, and that no fraudulent activity is taking place. | finance |
https://southjerseylawfirm.com/real-estate-taxes-divorce-home-value/ | 2024-04-20T17:09:15 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817670.11/warc/CC-MAIN-20240420153103-20240420183103-00046.warc.gz | 0.945493 | 1,259 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__103428531 | en | Latest posts by Rick DeMichele (see all)
Real Estate Taxes and Equitable Distribution; Value From Two Different Perspectives
“Can I keep our home?” is a question that divorce lawyers hear on a regular basis.
The answer is a familiar one for lawyers providing advice to clients: “It depends.”
On what? For starters: the parties finances, cash flow, and the marital home’s value. For the purposes of proceeding with your divorce, and to avoid problems in the future, it is important to have a solid understanding of your home’s value.
Having the former marital home apprised in a divorce is not unusual. In fact, it is so common that the court’s standard case management order has a preprinted portion to deal with an expert valuation of the former marital home. During the discovery phase of a divorce the parties can agree on a vale of the marital home or can hire a joint real estate appraiser or each retain their own appraiser. Couples who are familiar with real estate values and can agree on a value will stipulate to the homes value without hiring a real estate appraiser. In some cases a trusted Realtor can assist in this approach.People considering stipulating as to a home’s value should do so with caution. Many times a marital settlement agreement or property settlement agreement is centered on the the former marital home and its value. If the agreement is premised on a stipulated fair market value and the agreed value is not reflective of fair market value the divorce agreement can become very one sided and unfair. For example, if one party kept the marital home with a stipulated market value of $500,000 and that property had a $400,000 mortgage, the net equity of the home would be $100,000. ($500,000 -$400,000 =$100,000.) Now if the other party received a bank account worth $100,000 this wold appear to be a fair exchange. But what if the parties were incorrect in their stipulated value of $500,000 for the home and the actual market value is only $450,000. In this situation the asset exchange is hardly fair. An inaccurate stipulated value for a marital home in divorce can also be problematic when the property settlement agreement requires one party to refinance the home after the divorce is final. If the property settlement agreement requires refinancing of the mortgage the lender will require the property have a minimum value for refinancing. This is commonly referred to a s a loan to value ratio. If the actual value of the real estate is lover than stipulated or anticipated refinancing may not be an option and could put one party in violation of the property settlement agreement. With the above pitfalls noted, it is not uncommon for the parties to agree to a joint real estate appraiser. This saves on litigation costs (i.e. only hiring one expert as opposed to two) and also avoids legal fees associated with advocacy based on the potential divergent valuations. Obviously, for a joint real estate appraiser to be effective both parties and their attorneys must have faith in real estate appraiser. Another advantage to hiring a real estate appraiser and having an accurate assessment of fair market value is the potential of having the property’s real estate taxes lowered. In the context of a divorce this can be very helpful. All real estate in New Jersey has an assessed value. This assessed value is set by the municipalities tax assessor. It is relative value of the taxpayer’s home value compared with other real estate values in a municipality at the time of evaluation. Often times the assessed vale of a home is NOT reflective of fair market value. You should not rely on an assessed value in determining a homes fair market value in a divorce context. However, this is not to say that knowing your homes assessed value is not important and valuable. First lets discuss how an assessed value is important. A tax rate is applied to the property’s assessed value and the actual property tax amount is determined. Said another way, the town tax assessor takes the town’s tax rate and multiplies it against the property’s assessed value to determine the properties total tax obligation. Municipal tax rates are usually expressed in dollars per one thousand dollars of assessed value. You cannot challenge the property tax rate applied to your property but you can challenge the assessment. A lower assessment means a lower property tax. Here is how knowing the homes assessed value is important in the divorce context. If you want to retain the former marital home in your divorce you should compare the market value of your home against the assessed value of the home. If you are successful in retaining the home in the divorce you may want to apply for a property tax reduction. A lower property tax in the future may make the house more affordable. In contrast, if you do not want to retain the former marital home, knowing that it may be eligible for a property tax reduction may give you added leverage in negotiating the buyout. There are many considerations in determining whether a property’s assessment may be subject to a reduction so ask your attorney whether this is appropriate in your particular circumstance. The benefits in reducing your property tax are more than just the lower tax paid on an annual basis. A lower property tax obligation can help a home owner qualify for a mortgage or refinancing. Property taxes are almost always an element in obtaining mortgage financing. This may be very important if refinancing of a mortgage is required in the property settlement agreement. Additionally, a lowered property tax will make a property that is for sale more attractive. If you are trying to sell your home as part of your divorce a lower property tax can make your home more attractive than other similar homes. In sum, there are numerous benefits to a reduced property tax obligation and every application for property tax reduction starts with a an accurate determination of fair market value. If you or a loved one have questions regarding the New Jersey divorce process or real estate tax appeals, please contact us or call us at (856)546-1350 to schedule a confidential consultation with our experienced New Jersey divorce and property tax appeal attorneys. | finance |
https://carolinacabinetwarehouse.com/blog/kitchen-makeover-to-raise-resale-benefits-of-house | 2024-02-25T09:35:49 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474594.56/warc/CC-MAIN-20240225071740-20240225101740-00788.warc.gz | 0.945618 | 676 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__168682566 | en | Are you looking forward to sell your house or simply enhance its appearance? Whatever be your consideration, a kitchen makeover is an excellent idea to raise the value of your property. If your kitchen is an old one with messy look, broken and worn out structures, or grease deposits, you simply lose a great amount of money while approaching the buyer for a price negotiation. A prior consideration on correcting this issue and wise investment can help you gain huge profits during the transaction.
Renovation or Makeover
Before you proceed, it is essential to be acquainted with the concept of remodeling and makeover options. There is often confusion between these two terms. A renovation project involves bulk repairing alongside basic changes in the position of the sinks, countertops, kitchen appliances, cabinets etc. This is a matter of greater expenses and longer duration construction work.
The kitchen makeover is relatively smarter concept that involves elementary cosmetic changes such as painting, repairing the worn out shelves, countertops, kitchen floors, replacing the damaged fixtures etc. These sorts of cost effective solution that can bestow a completely new look to the kitchen and raise the convenience of the user. This involves less time and money helping you to raise the value of your property.
How Can Kitchen Makeover Help in the Home Resale?
The property experts opine that a well-furnished kitchen in the house is an object of interest for majority of the buyers that can benefit you with over 70 to 85 percent ROI. This makes way for serious consideration on how much the homeowners can spend on the makeover project. Estimation suggests that the sellers should consider the budget of the makeover for the kitchen around 10% of the entire property value to ensure that they can have maximum profits. This is the prime factor, influencing majority of the people to choose makeover rather than an expensive renovation.
The kitchen makeover apart from being an inexpensive solution has several other benefits too. With a makeover project, you can ensure that the sink outlets, plumbing fixtures, electrical fittings and accessories are working properly and completely safe for the user. You can relax that no accident or other mishap can emerge at any point of time after the sale of your house. The makeover helps to maintain the same structure of the kitchen as the previous with a more organized and glazed appearance. This is convenient, as it looks synonymous with the original construction pattern of the old house. A renovation often bestows a contemporary look that may be a mismatch with other parts of the house.
The Bottom Line
Over and again, the appraisers and property brokers have suggested that it is not worth making huge changes on the basic construction if you are considering selling your house. If the basic construction of the kitchen is in a good condition, a simple budget friendly makeover solution is sufficient to impress the potential buyers. Under normal circumstances, you can expect to negotiate on at least 10 to 25 percent more amounts compared to the value you can get for selling your house with an old kitchen.
The makeover will last for long years so you need not worry about any inconveniences after the deal. The project will differ from one house to another depending upon the choice of design, structure and size of the kitchen area and other factors. For more details and advisory for a kitchen makeover, consult an established cabinet and makeover service provider. | finance |
https://newsflick.net/venmo/rising-popularity-of-venmo-exploring-its-users-transactions-and-value/ | 2023-09-29T07:44:47 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510498.88/warc/CC-MAIN-20230929054611-20230929084611-00318.warc.gz | 0.926677 | 1,106 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__63122842 | en | Introduction to Venmo
Venmo has revolutionized the way people exchange money with its user-friendly platform and seamless payment experience. As a peer-to-peer payment service, Venmo allows users to send and receive money from friends, family, and even businesses with just a few taps on their mobile devices. With its growing popularity, it’s no wonder that millions of people have embraced Venmo as their go-to payment app.
Creating a Venmo Account
Getting started with Venmo is quick and easy. To join the Venmo community, simply download the app from the App Store or Google Play and sign up for an account. During the registration process, you’ll be asked to provide basic personal information, such as your name, email address, and phone number. You’ll also have the option to link a bank account or credit card to fund your transactions. Once your account is set up, you’re ready to start using Venmo to send and receive payments effortlessly.
Understanding Venmo User Interface
The Venmo interface is designed to be intuitive and user-friendly, allowing you to navigate the app with ease. The home feed is the central hub where you can view your transaction history and activity. Here, you’ll find a feed of payments made by you and your friends, complete with transaction descriptions and emojis. You can also interact with your contacts by liking, commenting, or splitting payments.
Venmo’s user interface also features a search bar that enables you to find specific transactions or friends easily. Additionally, you can explore the menu options to access additional features such as Venmo Rewards, Venmo card, and settings to customize your experience. The straightforward design and layout of Venmo make it accessible for users of all ages and tech-savviness.
Sending and Receiving Payments
One of the primary functions of Venmo is the ability to send and receive payments. To send money, simply tap the “Pay or Request” button and enter the recipient’s username, email, or phone number. Then, input the amount you wish to send and add a note to provide context for the transaction. You can choose to make the payment either privately or publicly, with the option to share it on the Venmo social feed.
Receiving payments on Venmo is just as straightforward. When someone sends you money, it will appear in your Venmo account balance. From there, you can choose to transfer the funds to your linked bank account or keep them within your Venmo balance for future transactions. Venmo transactions are typically completed within one to three business days, depending on the recipient’s bank processing times.
Privacy and Security
Venmo takes privacy and security seriously, providing users with a range of settings and features to protect their financial information. You have the option to set your transactions as private or public, allowing you to control who can see your payments. Venmo also offers two-factor authentication for added account security. It’s important to review your privacy settings regularly and be cautious when sharing sensitive information to ensure a secure Venmo experience.
Exploring Additional Venmo Features
In addition to its core payment functionality, Venmo offers a range of additional features to enhance the user experience. One notable feature is the Venmo card, which allows you to make purchases using your Venmo balance at any merchant that accepts Mastercard. Venmo Rewards is another exciting feature that offers cashback and discounts at select retailers when you make purchases using Venmo.
Furthermore, Venmo has integrated with various apps and platforms, allowing you to use Venmo for payments within those ecosystems. Whether you’re splitting bills at a restaurant, paying for rideshares, or shopping online, Venmo provides a seamless and convenient payment solution.
Troubleshooting and Support
While Venmo strives to provide a smooth user experience, occasional issues or questions may arise. If you encounter any problems with your Venmo account or transactions, there are resources available to assist you. The Venmo Help Center is a valuable source of information, offering answers to frequently asked questions and step-by-step guides on various topics. It covers everything from account setup and troubleshooting to security and privacy concerns.
If you need personalized support, Venmo also provides customer support via email. You can reach out to their support team directly through the Venmo app or website. They are dedicated to helping users resolve any issues promptly and efficiently.
As the number of Venmo users continues to grow, this peer-to-peer payment app has become an integral part of the digital payment landscape. With its simple interface, convenient features, and secure transactions, Venmo offers a convenient way to send and receive money. Whether you’re splitting the bill with friends, paying for services, or making online purchases, Venmo streamlines the payment process and provides a seamless user experience.
Remember to always review your transactions, set your privacy preferences, and take advantage of the additional features offered by Venmo. By understanding how Venmo works and utilizing its various capabilities, you can make the most of this popular payment app and enjoy the convenience it brings to your financial transactions.
Disclaimer: This blog post is for informational purposes only and does not constitute financial advice. Please refer to the official Venmo website or consult with a financial professional for specific guidance regarding your financial situation. | finance |
https://dealblogging.com/how-to-start-home-business-online/ | 2022-09-26T23:11:04 | s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030334942.88/warc/CC-MAIN-20220926211042-20220927001042-00000.warc.gz | 0.967246 | 2,971 | CC-MAIN-2022-40 | webtext-fineweb__CC-MAIN-2022-40__0__225563753 | en | If you want to earn money by doing online business sitting at home, then in today’s article I am going to tell you some such online programs using which you can earn as much money as you want. Today I will let you know in detail about how to start Home business online, and what we will have to do for this.
Many people do not get ideas about starting an online business, so today I am writing an article for you to overcome this dilemma.
There are two types of business, one online and one offline but there is a lot of difference between the two.
I have written many articles regarding this which is an offline business where you can also earn money by starting an offline business.
One difference between offline and online business is that investment has to be made very less online or there are online platforms in which investment is zero, but to start an offline business, investment has to be made a lot like opening an office and Items, etc. have to be purchased.
The business we are going to talk about today is how to start a business online.
As you would also know that in today’s digital age, everyone thinks about earning money and keeps searching on the internet, which shows how eager today’s youth is to earn money.
Today you are going to learn such business ideas, using which you can earn a lot of money in a short time.
Friends, today the Internet is in every house, that’s why every person is bringing his business online so that he can reach his product or service to more and more customers and increase his revenue.
The Internet is not only used to exchange information but it is being used to develop every business.
So let’s first know what is an online business
What is Online Business | How to Start Home Business Online?
Online business means that whatever business you do through the internet, is called online business.
You can start an online business from anywhere, for this you do not have to open a separate office, you just need to have a Mobile, PC / Laptop, and internet.
By doing business online, you can earn income up to millions sitting at home and this is not a lie, it is absolutely true.
We all know that it takes some hard work to start any business because no work is easy, it has to be done. That is why it is very important to know some basic things to start any online business.
So let us now know what are the ways, what are ideas, using which you can earn money by doing online business sitting at home.
Start Online Business from a Blog or Website
If you are passionate about writing means you have an interest in writing, then you can do online business, so for you, the business of a blog or website is the best.
To start any website, first of all, you have to have a domain name and hosting. If you do not know about domain and hosting, then for this also I have written an article about what is domain and how to buy hosting, then you can go to that article and know in detail about domain and hosting.
If you want to use the domain and hosting for free, then you can use Google’s free product ie Blogger, using which you can create a website for free and write a blog.
By the way, to create a blog or website, you have two types of platforms, one blogger or the other WordPress. Blogger platform is absolutely free but it has some limitations if you can make a little investment then use the WordPress platform so that you can easily customize your website.
Bloggerkey.com I have chosen the WordPress platform for this site as well. Because of this, I can easily customize my site.
The most important thing about blogging is that you do not have to depend on anyone to start it, you can start blogging alone and start from any corner of the world.
If you are doing a job then it can be done along with it, the biggest example of this is me. I also do a teaching job in school and blogging as well.
Initially, you will have to work a little hard in this, but as your experience in this field increases, your blog will grow, and so will your income from the blog.
Start Business Online From E-Commerce Website
If you are interested in selling products online, then an eCommerce site will be best for you because by using an e-commerce website you can earn as much money as you want.
If you have an offline business and it is not running much, then you start selling your product online, for this create your seller account by visiting e-commerce sites like Amazon, Flipkart, snapdeal, etc., and add your products and sell them can increase.
As soon as your products are listed on these sites, then the customers themselves will come to your website and make the same purchase. Friends, there is also a very good online business from an e-commerce site in which you will get a lot of profit.
Start Business Online from Affiliate Marketing
As you would know that today digital marketing is going on full boom means every
A person is making an income by selling a company’s product. By doing affiliate marketing in digital marketing, you can earn a lot of money and develop your business.
I have written an article about what is affiliate marketing, by reading it you will be able to know completely what is affiliate marketing?
If you have your own website or blog, then you can do affiliate marketing in a better way or affiliate marketing can be done without a website.
First of all, let us know a little about what is affiliate marketing.
Affiliate marketing means selling others’ products online. Suppose you generate an affiliate link of any one product from Amazon and share it anywhere.
The meaning of affiliate marketing is that you have to do marketing for any other companies or services, it does not cost you a single penny. Just to make those products with the help of a special link i.e. affiliate link, then you have to earn money.
The more products sold from your link, the more you will get a commission. The commission varies on different products.
In today’s digital marketing, everyone is providing affiliate company services. It is not like there is only amazon or Flipkart, apart from this there are thousands of other companies which are providing affiliate services and absolutely free.
We have also written an article on which platform to promote the affiliate product, by reading which you will be able to know where to promote the affiliate product.
And in this way you can earn good money through affiliate marketing.
Start Business Online from Youtube Channel
If you do not want to write content and you like making videos, then you can make videos and share them with others, from which a lot of money can be earned.
That’s why Google has a platform youtube on which you can do business by creating your own channel and uploading videos.
In today’s era, most people are earning lakhs of rupees only by making youtube channels, which is why this platform is best for developing business.
You do not have to pay a single rupee to make a youtube channel, it is totally free, just make your videos and upload and promote them.
Today there are many YouTubers who are living a very good life and doing full-time business like technical guruji.
You can create a youtube channel in any category, just put related videos of the category for which you have created a related channel, then your youtube channel will be successful. And you will be able to earn money.
For example, if you like dancing, then you can upload your dance videos on YouTube. And when a large number of visitors start coming to your channel, then you can get your YouTube channel monetized keeping in mind the policy and terms and conditions of YouTube. After the approval of which your income will start. Now as the number of viewers on your channel increases, your earnings will also increase accordingly.
Start Home Business online From Freelancer
Friends, freelancing is also a very good online business for you. If you have a passion for video making or programming or data entry, then you can easily do the work given by any person sitting at home.
Even more than this lakhs of people are earning money in today’s era. On the internet, you will find many such sites like Fiverr, Upwork, freelance, guru.com, etc. on which you can create your account and do freelancing.
In this, as soon as your account is created, you just have to add the skills of the thing you are interested in according to your ability, after that the customers will approach you themselves and after the completion of the work, your fees are transferred to your bank account.
By freelancing, you can earn up to 5000 rs daily, then this is not a great online business.
The best thing about this is that you neither need any degree nor any recommendation to start this work.
Start Home Business Online from Online Tutor
If you are passionate about teaching, then this hobby can become a professional for you without any investment. There is an increased trend of online tutors in today’s time, you must have seen that during the Corona period, the highest demand was increased in this field.
If you are an expert in any subject and have the ability to teach children, then this quality can earn you a lot of money.
You will find many such applications and websites on the internet, using which you can easily do business by becoming an online tutor.
For example, Vedantu, Tutor.com, Chegg, and Udemy academy are some such online platforms where you can register yourself and teach children.
You just need to be an expert in your subject. Even by working only 4 hours daily, you can easily earn 25 to 30 thousand a month. This earning can go up to lakhs, but it depends on the time and subject you give.
Start Home Business Online from develop an Android Application
If you have knowledge of the language, then you can do online business by developing the application.
come from doing this business
You will get a lot of profit, the more apps you make, the more you can earn profit. At least you can generate income up to 50000.
If you do not have the knowledge to develop the app, then you can develop the app using freelancing websites or by contacting.
Start Home Business online from Social Media Marketing
Friends, you must be aware that today the power of social media is emerging in front of us. This is such a platform using which you can become very successful friends, we will live without water and food but cannot live without social media.
Social media is not only used for chat and video calling but it is also used to advertise products and services.
Nowadays every big company does social media marketing to promote its product, in which it spends lakhs of rupees on the advertisement.
Now you must be thinking that what is the advantage of us, friends, you have to take advantage of this, just become a social media manager, increase your follower, so that you can promote a company’s product or service and earn a lot of money.
By the way, to learn social media marketing, you will get free courses on youtube, by which you can learn social media marketing.
Start Home Business Online from DropShipping
Dropshipping is also the best option to start an online business, you can start this business by investing a little money in it.
In this, you have to sell the product of another company through your own website or online store, you can earn a commission on every product. In this, neither you have to buy the product nor do you need any place.
For example, if you have to sell the products of amazon on Flipkart, it is called dropshipping.
Start Home Business Online from E-Book
If you have a passion for writing and can write on any concept, then you can also do online business by writing an e-book.
Nowadays you must have seen that online study has been done and the content which is written or read in it is read-only through e-books.
If you have written content within your different categories, then you can earn as much money as you want by publishing e-books.
To sell e-books, you can also sell them on amazon, Flipkart, etc.
Start Home Business Online by becoming Content Writer
If you have a passion for writing and have complete knowledge of SEO, then you can earn money by writing content for all types of websites and doing online business.
You will find many such clients on Facebook or on Fiverr who provide servicing of content writing and are earning money.
Friends, in today’s era, content writers are earning a lot of money sitting at home and there are many such content writers who have made a lot of names by doing their own online business.
Start Home Business Online from Investing in Stock Market
If you are interested in the stock market or share market then this is a very good source of income for you. You can also look at investing in the share market as a business.
You must have heard the name of Warren Buffett, one of the richest people in the world. He is one of the biggest investors in the world. Talking about India, there are many such people in our country who have made a lot of wealth in the stock market and have achieved a different position in this market. In which the first name comes to Rakesh Jhunjhunwala who is also known as Warren Buffett of India.
Friends, as you know in this article, which are the businesses that we can earn as much money as we want by using online. Today we have told you in detail about how to start a home business online.
Friends, if you want to ask anything related to this article, then you can ask us by commenting, then we will try our best to reply to your comment.
Just if you liked this article, then please do share it with your friends, and relatives because if someone is thinking of starting an online business then this article will prove to be helpful for him. Thank you so much for reading the rest of your article to the last! | finance |
https://www.dmataxaccounting.com/choosing-right-accountant-small-business/ | 2023-10-04T09:49:36 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511364.23/warc/CC-MAIN-20231004084230-20231004114230-00243.warc.gz | 0.968799 | 776 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__314109955 | en | Whether you are starting out a new business or have been in business for many years, you may decide it is time to hire an outside accountant. You may wish to offload mundane tasks or to focus your energy on growing your business or you would rather spend more time with your family. The reasons are many and varied. However, as with working with any trusted advisor, being able to effectively communicate with your new accountant is most important.
So now that you have made the decision to hire an outside accountant, how do you pick the right outside Madison, WI accountant? There are a number of factors that go into the decision as there are accounting firms of all sizes from a sole practitioner to multinational CPA firms, each serving different sizes of business and perhaps a specific business clientele. So what factors should go into your choice of the right accountant for your business?
- Size of firm – This depends on the size or ambitions of your company. If you are a small company and the firm you choose is too large, you may be overlooked because you are a small client. However, if you are a larger company, a smaller firm may not have the skills or personnel to meet your requirements.
- Services offered – Does the firm offer all of the services that you are looking for? Larger firms tend to offer a wider variety of services such as data entry/bookkeeping, payroll processing and compliance, sales tax reporting, financial statement preparation/compilation, financial statement audit/review, governmental compliance auditing and tax preparation just to name a few. ou will need to look at your current situation and where you expect to be long-term to determine whether the services offered will meet your needs now and in the future. Take note that larger firms generally offer more variety in services and tend to be more expensive than smaller firms who specialize in a smaller number of accounting options.
- Credentials – Do the principal members of the firm or local office have a certification such as a CPA, CMA or EA? Does the accountant have any complaints registered with the state board of accountancy? How is the firm rated by the Better Business Bureau? These are facts that can be referenced online.
- Specialized needs – If your company is in a specialized, or maybe highly regulated industry, you should find a firm that is a specialist in that field. If you have international operations, the accountant you select should have experience in that area.
- Reputation in the area – Contact business and social colleagues and ask if they have any recommendations regarding local Madison, WI accountants. If a colleague is a customer or knows of someone who is a customer of one of the accounting firms under consideration, ask if you can speak to that client to see if you can gain any insight.
Once you have selected at least two local accounting firms that might be a good fit for your business, you need to take the time to interview each firm that you are considering. Make sure you are speaking to a decision maker in the firm and the person who would be your main contact if you were to become a client. Ask questions and make notes so that you can compare the firms side by side. Remember when you are visiting the firm to put your best foot forward because they will be interviewing you simultaneously and even though you may wish them to be your accountant, they do not have to accept the engagement if they do not think it’s a good fit.
Ultimately, selecting an accountant for your business is a personal choice and it is most important that you are able to communicate effectively with your primary contact at the accounting firm. In addition, the firm must be able to provide services you require in an accurate and timely manner at a cost that you deem reasonable.
We would love to help you with any of your tax and accounting needs! Contact us today. | finance |
https://staddlestones.com/new-cars/nissan-juke | 2019-09-21T19:47:08 | s3://commoncrawl/crawl-data/CC-MAIN-2019-39/segments/1568514574662.80/warc/CC-MAIN-20190921190812-20190921212812-00028.warc.gz | 0.879309 | 549 | CC-MAIN-2019-39 | webtext-fineweb__CC-MAIN-2019-39__0__181338182 | en | Juke just keeps getting better, with a bold design, advanced intuitive technology and extensive personalisation options to ensure you stand out from the crowd. Combined with agile performance and rebellious urban attitude, Juke gives you the most thrilling and invigorating driving experience.
With tail lights inspired by Nissan's high-performance 370Z, a fiercely sculpted bonnet and muscular lines, the Nissan Juke is a small SUV that's anything but ordinary. It has the look of a two-door sports car and the practicality of a five-door family SUV. The Nissan Juke really does provide the best of both worlds.
JUKE BOSE T&Cs:
Free Bose® SoundLink® Micro Bluetooth Speaker offer available to private retail customers at participating dealers only when you order and register a Juke Bose Personal Edition by 31st May 2019. Offer available to both cash and finance customers. Offer not available to Motability customers. Offer limited to one Bose SoundLink Micro Bluetooth Speaker per private retail customer. Bose SoundLink Micro Bluetooth Speaker will be posted directly to the registered address of the Juke Bose Personal Edition purchased within one month of the registration date. Nissan cannot guarantee that the Bose SoundLink Micro Bluetooth Speaker colour will be aligned with the exterior personalisation colour of the Juke Bose Personal Edition chosen at the time of purchase. While stock lasts. Availability subject to first come first served. Nissan reserves the right to amend or withdraw this offer at any time without notice. Bose SoundLink Micro Bluetooth Speaker not exchangeable for cash alternative.
Flexible finance available to suit your needs
Nissan Juke Tekna 1.6 Manual 5-dr £337.98 per month with Nissan Finance:
Vehicle Price: £20,610.00 on the road
Nissan Deposit Contribution: £250.00
Customer Deposit: £338.00
Total advance: £20,022.00
37 monthly payments of £337.98
Final Purchase Payment (GFV) of £7,854.65
0% APR representative, total amount payable £20,610.00
Based on an annual mileage of 8,000 per annum - excess mileage charges may apply.
The straightforward small print…..
All finance is subject to status and terms and conditions. Please ask for a written quotation, which our sales team will be happy to provide. These offers will generally be available until 30/09/2019, but we reserve the right to change them without notice. We will only do this if our manufacturer partners change their policies, prices or terms.
All Nissan Finance examples are Personal Contract Purchase finance through RCI Financial Services Ltd. | finance |
https://hsrestoration.com/real-estate-agents/ | 2023-04-01T20:38:21 | s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296950247.65/warc/CC-MAIN-20230401191131-20230401221131-00566.warc.gz | 0.955762 | 616 | CC-MAIN-2023-14 | webtext-fineweb__CC-MAIN-2023-14__0__47814769 | en | When you’re thinking about buying or selling your home, there are a lot of things to prepare. One of the first things you will do is choose from the pool of real estate agents to help you list and market the home. They will come in and make their own recommendations for repairs or upgrades to help you be successful.
When you have water damage in the home, it could drastically affect your ability to sell. In many cases, water damages will have to be restored. Or you could be forced reduce the value of your home to account for the damages and repairs that are needed.
If a home has water damage, it has the potential for mold. If an inspector notices mold, it could halt a pending sale. Home inspections are designed to find issues like these. If there is water damage that hasn’t been fixed, the chances are high there is also mold to contend with. Mold is certainly nothing to play around with, and potential buyers are not going to want to deal with it either.
Only in circumstances where you have the ability to sell a home “as-is” will this work. Otherwise, you may be required to correct the damages or remove mold prior to a sale occurring.
Lender Requirements (Not Real Estate Agents)
A large number of homebuyers rely on mortgage lenders for the purchase. In some cases, the lenders will have requirements to abide by. This is particularly true of government mortgages, like FHA, Veterans, or USDA loans. These often have stringent inspection requirements that have to be passed before the mortgage can be granted.
You will likely find that most lenders will not be overly excited to grant a mortgage for a home with water damage. The costs to repair water damages can be extensive, but there are also risks involved in taking on this liability.
Extended Length on the Market
Despite your real estate agent’s best efforts, you might find that a home with water damage will sit on the market for a much longer period. In recent months, homes have been selling within 45 days in most cases. But if your home has water damage, this may make it less appealing. Does that mean it won’t sell? No. It simply means you might be required to exercise patience until the right buyer comes along.
If you’re looking for a fast sale of the home, having water damage is likely going to impact your ability to make that happen. It’s up to you to determine whether fixing the damages prior to listing your home might be a better approach in the end.
Restore Damages Before Contacting Real Estate Agents
In most cases, you will find it is more suitable to have restoration of water damage handled first. Then, hire the best real estate agents to spin the renovations and help you make a great sale. When you need restoration, count on HS Restoration & Cleaning Service to help! Our teams are standing by, ready to get your home prepped to list on the market. | finance |
https://adamsearle.org/newsrooom/media/berejiklian-government-must-ease-cost-of-energy-bills/ | 2023-06-03T09:03:33 | s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224649177.24/warc/CC-MAIN-20230603064842-20230603094842-00515.warc.gz | 0.944012 | 759 | CC-MAIN-2023-23 | webtext-fineweb__CC-MAIN-2023-23__0__266304646 | en | 11 April 2020
Labor is calling on the Berejiklian Government to increase and expand energy bill rebates, to support NSW households struggling with additional COVID-19 cost of living pressures.
Labor is calling for:
- An immediate doubling of the Low Income Energy Rebate from $285 to $570 a year
- An immediate doubling of the Family Energy Rebate from $180 to $360 a year
- The extension of those rebates to people who have lost their jobs or pay due to COVID-19
Labor Shadow Minister for Energy Adam Searle said: “Ms Berejiklian’s business as usual approach to household energy bills isn’t helping anyone in NSW who has lost their job, seen their shifts cut or had to close their small business because of the COVID-19 pandemic.
“The Berejiklian Government must double the energy rebates given to families and low-income households, and they must extend that same support to people who have lost their jobs because of the COVID-19 outbreak” — Adam Searle MLC, Shadow Minister for Energy
“Winter often sees the cost of gas and electricity go up for NSW households. Ms Berejiklian should move quickly to protect struggling households from the Winter energy bill cost crunch.”
Additionally Labor says the Berejiklian Government must work with energy companies to stop predatory behaviour during the COVID-19 outbreak, and:
- Stop disconnections for customers in financial stress
- Stop customer referrals to debt collection agencies, or credit default listings
- Support households and small businesses in financial stress to access payment plans or hardship arrangements
- Waive disconnection, re-connection and contract break fees for small businesses which have gone into hibernation, along with daily supply charges to retailers
“It’s not right that people are being threatened with disconnection during a pandemic, or that their phone is ringing off the hook because of some debt collection agency. It’s the time for a bit of compassion and understanding” — Adam Searle MLC, Shadow Minister for Energy
Mr Searle noted that these weren’t long term solutions, saying: “These are sensible steps for the Berejiklian Government to take while NSW households and small businesses are dealing with the economic fallout caused by the COVID-19 pandemic.”
To be eligible for the $285 a year Low Income Household Energy Rebate, you must:
- Be a NSW resident;
- Be on-supplied customer of an energy retailer; or
- Hold one of the following:
- Pensioner Concession Card issued by the Department of Veterans’ Affairs (DVA) or Services Australia,
- Health Care Card issued by Services Australia, or
- DVA Gold Card marked with either ‘War Widow’ or ‘War Widower Pension’, or ‘Totally and Permanently Incapacitated’ (TPI) or ‘Disability Pension’ (EDA).
To be eligible for the $180 a year Family Energy, you must:
- Be a NSW resident;
- Be the account holder of an energy retailer;
- Have been the recipient of the Family Tax Benefit (FTB) for the previous financial year and have had your entitlement to the FTB payments finalised by Centrelink.
- Ensure the person in your household who’s registered as the FTB recipient, lodges the application. The recipient is the person who receives correspondence on FTB from the Department of Human Services (DHS). | finance |
https://kineticex.com/aml.html | 2019-04-18T20:45:09 | s3://commoncrawl/crawl-data/CC-MAIN-2019-18/segments/1555578526807.5/warc/CC-MAIN-20190418201429-20190418223429-00425.warc.gz | 0.90462 | 823 | CC-MAIN-2019-18 | webtext-fineweb__CC-MAIN-2019-18__0__46041779 | en | The Provider of Exchange and Trading Platform www.kineticex.com (hereinafter – the "Company" or "we") is required to comply with the Anti-Money Laundering and Countering Financing of Terrorism Legislation (AML/CTF Laws). To help the government fight the funding of terrorism and money laundering activities, law requires all financial institutions to obtain, verify, and record information that identifies each person opening an account. We have developed internal Anti-Money laundering and Counter-Terrorism Policy (hereinafter - AML Policy) based on the risk assessment, so the objectives of the AML/CFT Laws can be achieved. These are:
to detect and deter money laundering and financing of terrorism;
to maintain and enhance the Company’s international reputation by adopting, where appropriate, recommendations issued by the Financial Action Task Force; and
to contribute to public confidence in the financial system.
By applying for an account with us you are taken to agree to the following terms:
you warrant that you comply with all applicable anti-money laundering laws and regulations, including but not limited to the AML/CTF Laws and associated rules and regulations (in force from time to time);
you are not aware and have no reason to suspect that:
the money used to fund your account with us has been or will be derived from or related to any money laundering or other activities deemed illegal under applicable laws or regulations or otherwise prohibited under any international convention or agreement (“illegal activities”); or
the proceeds of your investment will be used to finance illegal activities; and
you agree to promptly provide us with all information that we reasonably request in order to comply with all applicable laws and regulations relating to anti-money laundering.
In accordance with our AML Policy we will conduct initial and ongoing due diligence for each customer according to risk level posed by the customer.
What this means for you: In compliance with the applicable law, we will ask for certain minimum identification information from each customer which opens an account; record customer identification information and the verification methods and results; provide notice to customers that we will seek identification information and compare customer identification information with government-provided lists of suspected terrorists.
This minimum information may include:
the customer's full name; and
the customer's date of birth if natural person; and
the customer’s nationality if natural person; and
if the person is not the customer, the person's relationship to the customer; and
the customer's current permanent address or registered office; and
the customer's company identifier or registration number; and
the expected origin of the funds to be used within the relationship; and
occupation and name of employee (if self-employed, the nature of the self-employment).
In order to verify the abovementioned information we will require submitting the following documents:
Current valid passport;
National identity card;
Driving license which bears a photograph; and
Document proving current permanent address (such as utility bills, bank statements, etc.).
For CORPORATE CUSTOMERS:
Certificate of Incorporation or any national equivalent;
Memorandum and Articles of Association and statutory statement or any national equivalent;
Certificate of good standing or other proof of registered address of the company;
Resolution of the board of directors to open an account and confer authority on those who will operate it;
Copies of powers of attorney or other authorities given by the directors in relation to the company;
Proof of identity of directors in case they will deal with us on behalf of the Customer (according to the Individual identity verification rules described above);
Proof of identity of the beneficial owner(s) and/or the person(s) on whose instructions the signatories on the account are empowered to act (according to the Individual identity verification rules described above)
In order to verify the abovementioned information we will require at minimum submitting the documents specified above. We may also request you to provide additional information accompanied with respective documents. | finance |
http://mcdonaldscarralero.com/2016/03/23/spending-time-in-jail-for-dui-two-tips-for-preparing-your-finances/ | 2024-04-14T22:48:51 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816904.18/warc/CC-MAIN-20240414223349-20240415013349-00357.warc.gz | 0.968674 | 528 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__97218652 | en | Depending on the number of DUIs you have on record and whether your DUIs were charged as misdemeanors or felonies, you could be sentenced to spend anywhere from a few days to up to a year or more in jail. While many areas of your life are adversely affected when you're incarcerated, possibly the biggest impact will be felt in your finances. If you anticipate you'll be in jail for a long period of time because of a DUI, here are two tips to help you prepare your finances to minimize the associated fallout.
Obtain Deferments When Possible
Many times, people lose their sources of income when they're incarcerated. Not only do they lose their jobs, but sources of public assistance may also be cut off. For example, the Social Security Administration will not pay disability benefits while you're in jail.
If you anticipate you won't have any income while you're in jail, try to obtain payment deferments from your creditors. If you have student loan debt, for example, contact the lender and explain the situation. Typically, you can get a deferment if you're going into federal prison and provide proof to the creditor. Be aware, this may only be available with loans backed by the federal government.
Other creditors may or may not have similar programs available, but you won't know until you call and ask. Get as many of your bills deferred as you can for the length of time you'll be in jail. This way, you'll avoid coming home to a mountain of collection notices, late fees, and accumulated interest.
Automate As Much As Possible
If you do expect to continue receiving some income during your time in jail, then automate as much as you possibly can. Have any payments deposited directly into your bank account, and set your bills up so they are automatically paid from that same account every month. For instance, if you're getting dividend payments from investments, have that money put in your account, and then schedule your monthly child support checks to be sent to your ex using the bank's automated bill pay system.
It's a good idea to add someone you trust as a joint account holder on your bank account. This way, the person can make deposits and withdrawals and handle any problems that crop up with the account while you're away. Depending on how long you're going to be in jail, you may even want to give the person power of attorney so the individual can handle your financial affairs until you're released.
For more tips of preparing yourself for incarceration or assistance with litigating a DUI case, contact a criminal defense attorney or a traffic lawyer.Share | finance |
https://3countiessurveyingltd.com/surveying-faq/ | 2024-04-15T15:57:38 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817002.2/warc/CC-MAIN-20240415142720-20240415172720-00027.warc.gz | 0.936693 | 723 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__159976546 | en | A building survey is not a legal requirement and at a time when you maybe saving every penny you can to afford your new dream home, skipping the extra cost of having a survey may cross your mind.
But having a survey carried is essential to possibly save you large sums of money, from uncovering hidden issues with the property which could cost you now or in the future, this could allow you to use the information to negotiate a lower price of the property, prepare for repairs that will be needed straight away or in the future, or ultimately letting you walk away from a potential disaster.
Each property is unique and thus the type of survey required.
Generally, for older properties (1900’s and beyond), unconventional buildings, or one which has received or is planned to be extensively renovated or extended, we recommend a RICS Home Survey – Level 3 (formally known as a structural survey).
For more recent properties, which are constructed in a more conventional way and in reasonable condition, we recommend an RICS Home Survey – Level 2 report.
If you are buying a new home using Help to Buy, HomeBuy Direct or similar shared equity scheme, we recommend an RICS mortgage valuation.
A surveyor’s report will nearly always uncover some issues, especially with older properties, Some of the most common issues include:
• Problems with the roof
• Central heating system
• Damp or timber issues
• Electrical installation issues
• Further complications which will require a structural engineer, such as subsidence.
RICS is a globally recognised professional body, which ensures RICS registered surveyors adhere to the highest professional standards set across the globe.
Mortgage brokers require a mortgage valuation to satisfy them that the property you desire is worth the price you’re paying or at least the amount it’s lending.
If the property is valued below your offer price, you can go back to the seller or estate agent and offer a lower price backed up by the mortgage valuation.
A HomeBuyer report also known as level 2 surveys is a survey and inspection of the easily accessible parts of the property, this includes things such as ceilings, the roof, walls, floors, bathrooms, and woodwork.
An inspection of the central heating system, drainage system, electric, gas and/or oil and water services.
An inspection of permanent outdoor buildings and the outside of the home including roofing, pipes, gutters, walls windows, and external doors.
Assessment of timbers for rot and active woodworm infestation.
A building survey or level 3 (formally known as a structural survey) is the most detailed type of survey available.
The level 3 survey includes a thorough inspection of all the accessible parts of the property and its outbuildings, an assessment of all the major and minor faults found within the property, and implications of these faults.
Examination of the potential for hidden defects, assessment of timbers for rot, and active woodworm infestation.
Review the condition of the heating and water system.
An investigation into the condition of the damp proofing, insulation, and drainage (if access to the drains is available).
We will also test the walls for problems with damp.
After a survey has been completed you will receive advice and technical information based on the survey you choose, this includes guidance on any maintenance or repairs necessary.
You can view an example of a RICS Home Survey – Level 3 report here.
Whatever your requirements, we have expert who can help.Contact us | finance |
http://clearcreekschool.com/cupccaa/ | 2024-04-16T01:34:28 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817036.4/warc/CC-MAIN-20240416000407-20240416030407-00157.warc.gz | 0.928703 | 175 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__61865628 | en | Small Projects under $200K (CUPCCAA)
Contractor Pre-Qualification Information
Clear Creek School District is a participant in the California Uniform Public Construction Cost Accounting Act (CUPCCAA). This act allows for a streamlined negotiation and bidding of projects valued at less than $200,000.
Contractors who would like to add themselves to our list to be notified of informal bidding projects can submit their information on this FORM. The form needs to be submitted every year, and it is the responsibility of the contractor to do so.
There is no cost to contractors interested in pre-qualifying with CCSD.
Please contact Kindell Tygart with any questions at [email protected] or 530-273-3664.
Thank you for your interest in pre-qualifying and working with us! | finance |
http://samagnello.koenigrubloff.com/pages/condos-180885 | 2018-01-23T13:22:58 | s3://commoncrawl/crawl-data/CC-MAIN-2018-05/segments/1516084891976.74/warc/CC-MAIN-20180123131643-20180123151643-00185.warc.gz | 0.953561 | 972 | CC-MAIN-2018-05 | webtext-fineweb__CC-MAIN-2018-05__0__64978984 | en | Category Title > Sam's Condo Buying Tips
New homeowners are often surprised... perhaps even a bit overwhelmed by the complexity and expense of buying a home
Are you considering home ownership?
New homeowners are often surprised... perhaps even a bit overwhelmed by the complexity and expense of buying a home. Are you new to the market and thinking to buy a home, your first home? A condo may be the right choice for you! After all, it's a great way to own a home without the extra complexity and expense of a single family house.
these tips to help guide you as you look for your condo:
1) Consider Location
Location, location, location... As with any real estate purchase, location is a key factor in your decision to buy. Begin your search by narrowing down the area/neighborhood where you’ll start looking. Consider factors important to you: schools, parks, shopping, restaurants, grocery stores, public transportation, health clubs, coffee shops, parking accessibility, access to major streets/highways, and consider any other amenities that are located close by. Chicago is full of many great neighborhoods, if your search is in Chicago or Chicago area, call me (I’d love to help).
2) Attend an Open House
One of the best ways to get a feel for a condo/home is to attend an open house, or you may consider scheduling a separate viewing (i.e., showing). Don't be shy, now is the time to ask questions, take notes and some of your own pics (Note: keep in mind, you may need to ask permission from the seller/tenant first if you want to take pics and should always be respectful of their property). Take a look around the building, look at storage areas (is the storage area organized, well lit, clean, and accessible?), parking locations (do you have assigned parking, garage parking, space for guests?), landscaping (is it well maintained?),common areas (security cameras, well lit, elevators, controlled access?), and amenities (is there a party room, weight room, laundry room, pool, doorman, valet?). Take a moment and chat with any neighbors you meet, are they friendly, what do they like or perhaps dislike about the building/neighbors/association?
3) Review Condo Agreements and HOA fees
Condos are different than apartments or single family houses. A couple major differences to consider are that condos involve communal property and HOA fees. What is communal property and what will it mean for you? You do own your living space, however, you’re also a part-owner of the communal property (e.g., the pool, party room, halls, parking lot/garage, etc...). Know what kinds of agreements are in force regarding common property and what the associations' reserve funds for building upkeep and maintenance are. Be sure to thoroughly review the condo’s homeowners’ association (i.e., HOA) agreement and covenant, conditions, and restrictions (i.e., CC&Rs) document. HOAs require condo owners to pay monthly fees for building maintenance and repair (Note: some HOA fees may even cover your heating, gas, and cable TV costs). However, HOA fees do not cover the repair and/or maintenance of the inside of your condo. CC&Rs contain rules on what you may or not do in your condo building and often include policies on pets, satellite dishes, and the color of a front door or perhaps even what paint colors you may use on your interior walls.
4) Budget for your purchase
Shop around for the best rates, keep in mind, first time buyers may qualify for down payment assistance. Down payment assistance is money, if you qualify for, that will help you with the down payment. This is money that, if you meet the requirements, you don’t have to pay back. Many people think you need 20% down to buy a home, you don’t, with as little as 3.5% you can own your own home (perhaps even less). Also, be sure you factor monthly fees into your condo purchase, after all, HOA fees affect your debt-to-income ratio and mortgage lenders factor it into how much you can afford.
This is where I come in, don't go it alone, contact me today (or if you are not in the Chicago area) a real estate professional familiar with your community to start your search.
Berkshire Hathaway HomeServices KoenigRubloff
2301 N. Clark St. Suite 202
Chicago, IL 60614
312-264-1261 / [email protected] | finance |
http://shanemoore.com/page/3/ | 2017-09-24T10:19:52 | s3://commoncrawl/crawl-data/CC-MAIN-2017-39/segments/1505818689975.36/warc/CC-MAIN-20170924100541-20170924120541-00670.warc.gz | 0.958638 | 4,563 | CC-MAIN-2017-39 | webtext-fineweb__CC-MAIN-2017-39__0__5942577 | en | This page has moved. Please follow the link below:
In a statement released by ASIC it was revealed that four of the websites operated by Insure 247 were believed to contain “misleading or deceptive advertising”.
That’s a pretty serious allegation, but it appears that the parties involved have been able to make the necessary changes to the websites without too much drama.
There were two main issues involved.
The statement from ASIC shows that they had serious concerns with some of the text used on the websites:
“ASIC was concerned the websites gave the impression consumers were accessing an online tool which compared the features and the cost of different insurance products. ASIC’s review found there was no evaluation or comparison of the products.”
One such example was the text “compare thousands of insurances from fifty different insurers”, but upon investigation there was no such comparison offered.
In my opinion this was probably just a copywriter getting a little over excited, but the fact is you simply cannot make claims on an insurance related website unless they are factual.
Insure 247 are not alone however, as over the years I’ve seen plenty of misleading text on insurance related websites.
I don’t think there is a deliberate intention to mislead people in most cases, but if someone can be misled then it doesn’t really matter whether it was deliberate or not.
Insurance company logos
The second issue was the use of insurance company logos, which ASIC made the following comments about:
“Further, ASIC found Insure 247 displayed the logos of insurance providers that were not offering quotes for the product featured on that page of the website. For some insurance products, only one insurance provider received consumer details through the website when consumers were likely to think their details would be passed on to many insurers.”
Using the logos of the big insurance companies is a great way to build some credibility for a financial adviser or insurance broker’s website.
There is nothing wrong with doing so, and I even have a selection of logos on my own firm’s website, but don’t go displaying logos of insurance companies if you don’t use them!
It’s fair enough for a consumer to expect that if they see certain logos on your website then you’ll be using or at least comparing the products offered by those insurers.
The lesson here for website owners, regardless of whether you’re an AFSL holder, an authorised representative or just an online marketer, is that you need to make sure your website does not have the potential to mislead or deceive.
Lifebroker was founded in 2004 and has grown to be one of the top two largest online providers of life insurance.
TAL has owned a 10% stake in the business for the last three years, and this week moved to full ownership of the business.
Of most interest to me was the amount paid for the remaining 90%, but sadly the purchase price has not been released.
What we do know is that TAL’s parent company, The Dai-ichi Life Company, valued Lifebroker at $28 million in June this year.
Presumably the existing owners would have sought a premium in return for relinquishing their entire shareholding, in which case it would be safe to assume that the final valuation was somewhere in excess of $30 million.
That’s a hefty chunk of money in anyone’s language, and it shows the level of confidence that TAL has in the continued growth of online life insurance.
Unfortunately it also shows how focused TAL is on the direct insurance market, which in my opinion could lead to more Australians taking the DIY approach instead of seeking professional advice.
In case you didn’t know, TAL also owns the InsuranceLine brand which is heavily promoted on television.
What is Lifebroker?
So what exactly has TAL bought themselves?
Lifebroker is a website that allows consumers to compare premiums for life insurance from a range of insurance providers.
In addition to life insurance, consumers can also access trauma, TPD, income protection, mortgage protection and funeral insurance.
Lifebroker compares policies from a range of insurers including AIA, AMP, Asteron, BT, Comminsure, Macquarie, MLC, OnePath, Zurich and of course TAL.
It’s not clear whether or not Lifebroker will continue offering non-TAL products, but based on comments from TAL’s CEO, Brett Clark, it would appear that they will:
“Lifebroker has built a reputation on the objective comparison on life insurance products from a range of different life insurers.”
“We strongly support consumer choice and a competitive life insurance market.”
That’s good news in my opinion, because the last thing we need is another so-called comparison website which only compares products from a single insurer.
Personally I still believe there is a big conflict of interest in an insurance company owning a comparison website.
Hopefully TAL does the right thing and makes very clear disclosures on the Lifebroker website rather than burying it in the FSG.
Provided that they do that, then good luck to them and I take my hat off to TAL for investing in online assets whilst the others are left behind.
The domain in question is carloan.com.au, and whilst it may not be insurance related, it’s still worth looking at.
The buyer was CarSales.com Limited, the owner of Australia’s leading online car sales portal of the same name.
Whilst the parties would not reveal the exact price, Wester advised that it was in excess of $200,000. This would make it the largest domain name sale in Australia for 2013.
Seeing CarSales as the buyer was certainly not a surprise to many people in the online marketing industry, as they have been prolific buyers of automotive related domain names over the last few years.
This sale certainly shows the value in generic finance domain names, and it will be interesting to see if CarSales simply parks the domain (excuse the pun) or builds it into a new car loan service.
Whilst many insurance companies and brokerages market themselves online under their own brand name, many choose to build websites under generic names also.
There are numerous reasons for this, but generally these companies are looking to build satellite websites that target particular niches, with the idea that they will funnel prospects or leads back to their main website.
What do I mean by a generic name? Generally they are based around a product or a service, as opposed to a brand name.
Examples could include ‘carinsurance.com.au’ or ‘insurancebroker.com.au’ etc.
There’s no question that this strategy that has worked well for some people, but if you think that getting your hands on such a domain name will be easy, think again!
We’ve used sales data from Netfleet, one of Australia’s largest domain name markets, to show just how much you’d need to spend to get yourself a premium generic insurance domain name.
Here are the top 15 insurance domain names sales from 2009 onwards:
- $30,001 – carinsurance.net.au (2012)
- $16,223 – petinsurance.com.au (2011)
- $12,001 – lifeinsurancecomparison.com.au (2011)
- $10,052 – homeinsurance.net.au (2012)
- $5,568 – doginsurance.com.au (2012)
- $5,152 – funeralinsurance.net.au (2011)
- $4,801 – cheap-travel-insurance.com.au (2011)
- $4,500 – lifeinsurancequotes.com.au (2009)
- $3,568 – catinsurance.com.au (2012)
- $3,001 – lifeinsurancecomparisons.com.au (2011)
- $3,000 – homeinsurancecomparison.com.au (2010)
- $2,778 – boatinsurance.net.au (2012)
- $2,501 – incomeinsuranceaustralia.com.au (2012)
- $2,501 – marineinsurance.com.au (2012)
- $2,042 – lifeinsurancequotesaustralia.com.au (2012)
Do these domain names represent a waste of money, or a fantastic opportunity? It really depends on what you do with them.
Regular readers will know how valuable generic domain names can be in the insurance sector.
Super premium domains in the finance sector have sold for six figures in the past, and we decided to have a look at who owns the super premium insurance domains and what they’re doing with them.
For each domain we have used the whois records to reveal the owner and have also looked at how the domain is being utilised.
We’ve also provided valuations on each domain name with assistance from some of the experts at DNtrade. The valuations are based on the domain name only, and not the associated website.
Owner: Insurance Consulting Services Pty Ltd
Value: $200,000 – $250,000
Usage: Stand-alone website which offers quotes for life insurance products and referrals for general insurance products.
Comments: The most generic of all insurance domains is surprisingly not owned by one of the major insurers, and is instead owned by a financial planning company. It’s not a bad looking website, but is fairly light on information.
Value: $150,000 – $250,000
Usage: Redirects to the life insurance page on the main iSelect website.
Comments: With online life insurance being a red-hot sector, this would be one of the most sought after domain names out there. By using the domain as a redirect iSelect would not be getting an major SEO benefit, but given that they already rank number 1 in Google for ‘life insurance’ I don’t think they’ll be too concerned.
Owner: Luke Donnelley
Value: $150,000 – $200,000
Usage: A very basic one page website with no ability to request a quote or contact them.
Comments: It’s almost unbelievable that such a premium domain has remained in private hands and is still so underutilised. No doubt the owner is fully aware of its value and has received countless offers over the years.
Owner: REA (realestate.com.au)
Value: $30,000 – $50,000
Usage: Redirects to the realestate.com.au website.
Comments: It’s not a huge surprise to see this domain used by the owners of realestate.com.au, but it is surprising to see that it is very underutilised. There is an insurance section on the website, but this domain does not redirect to that area. I should add that I believe ‘realestate.com.au’ is the best use of ANY premium generic domain name in Australia.
Owner: Income Protection Pty Ltd
Value: $50,000 – $100,000
Usage: Main website for the business of the same name.
Comments: Out of all the premium insurance domains, this would be the best utilised. In this case an entire business has been built around the domain name, and having met the original owner who started the business around 15 years ago, it has been quite successful.
Value: $5,000 – $10,000
Comments: This is the second entry for iSelect, but unlike lifeinsurance.com.au which redirects to the relevant page of the iSelect website, tpdinsurance.com.au simply returns an error message. This certainly seems to be a lost oportunity, however iSelect already rank #2 for the term in Google and would probably get limited benefit from using this domain any differently.
Value: $5,000 – $10,000
Comments: iSelect have scooped the trifecta with lifeinsurance.com.au, tpdinsurance.com.au and traumainsurance.com.au. Unfortunately this one also returns a nil result, but iSelect won’t be too upset since they also rank #1 for this term.
Value: $20,000 – $50,000
Comments: Ordinarily a domain name with three words would no be considered as ‘super premium, but this particular domain would be one of the rare exceptions. Unsurprisingly this domain is also owned by iSelect, and as with their TPD and trauma domains it simply returns an error message when you attempt to visit the site.
Owner: TIOTN Pty Ltd
Value: $150,000 – $250,000
Usage: Travel insurance business of the same name.
Comments: Finally we have a second premium domain name which is being properly utilised. Travelinsurance.com.au is a fully branded website offering travel insurance as a fully fledged business. Unfortunately for the owners of this website it does not rank very well in Google at all, which is a little unusual for a well used premium domain.
Owner: H and N (Nominees) Pty Limited
Value: $20,000 – $50,000
Usage: Insurance brokerage of the same name.
Comments: The last domain we’ll look at is businessinsurance.com.au, and it’s pleasing to see that this is another very well utilised domain. The website is owned by an AFSL holder and contains plenty of great information about business insurance and about their company.
Small Business v Big Business
It’s interesting to see that other than those owned by iSelect and REA, many of the super premium domain names are not owned by big corporates.
It’s also clear that the smaller sized owners are utilising their domains in a far better fashion than the big corporates.
The reason for this may be that the big corporates can afford to buy up valuable domains and sit on them, whilst smaller businesses really need to generate a return on what will have been a fairly large investment in most cases.
Going back to iSelect, they own four of the best insurance domains available, being lifeinsurance.com.au, tpdinsurance.com.au, traumainsurance.com.au and incomeprotectioninsurance.com.au.
These four domains have a combined value of anywhere between $200,000 and $400,000 depending on who you ask, and potentially even up to one million dollars.
But each of the domains are completely underutilised, and there is probably little need for iSelect to develop the domains since they already rank #1 or #2 in Google for each term.
So why would they spend up big on buying them? One possible reason is to simply stop anyone else from getting them and doing something more substantial with the domains which could compete with iSelect’s main website.
To Be Continued
In part 2 of this article we will be asking some of the owners of these websites why they decided to invest in a premium domain name.
We hope to get some interesting answers to share over the next few months.
In the past this website was all about the services that I provided to financial advisers, insurance brokers and online publishers in the insurance space.
But I don’t really write much content for others now (basically none) so it’s time to change direction…
Whilst I don’t write for others, I’m writing more than ever for my own company’s portfolio of websites, and I’m pleased to say that they’re going quite well.
So the new direction for this little blog of mine is to start sharing my views on insurance advice in the online world, along with reporting any news that I come across from around the place.
It’s certainly no secret that the internet is continuing to change the way that people search for personal and business insurance, and for those businesses that make the right decisions now I believe there will be major rewards in the not-to-distant future.
This blog entry will probably be of little interest to my regular readers, but I had plenty of trouble finding this information for myself, so I feel the need to share!
I am writing this from Paris where I am enjoying a holiday with my wife. Whilst not a working holiday, I do have to keep fresh content on my websites to ensure those Google rankings stay strong during my six week absence.
I’m using wifi wherever I can whilst overseas, which is fine for everything else, but when I tried to upload some new content via my FTP program I couldn’t get in. I tried instead to use the File Manager function through my WHM (web host manager) but that wouldn’t let me in either.
The thought of not being able to update my websites for six weeks almost made me sick! This wouldn’t be a problem if I used WordPress for all my sites, but for various reasons I don’t for my main business sites.
So anyway I searched and searched for a workaround and couldn’t find a solution, but finally I came across a gold nugget which saved the day!
If you are trying to access WHM from a wifi or other network which won’t allow access to the required port, simply use the following link as a workaround:
It’s as easy as that! From here you can access the cPanel for each domain you have hosted within your WHM.
This is instead of the usual IP address based URL which would look something like 123.456.789:2086
So disaster averted and I once again have access to upload new content to my non-Wordpress websites.
For more information on accessing WHM from an overseas or wifi network please visit the original page (link here) that saved me.
I’ve just been reading through some old magazines which have been sitting on my desk for a few months and came across this little item in the June issue of The Adviser…
The article doesn’t mention the prices paid, but we know that homeloan.com.au was purchased for $100,000+ and homeloancalculator.com.au was purchased for $33,001.
Previously it was only known that homeloan.com.au sold for somewhere in excess of $100k, but given that this latest article talks about “hundreds of thousands of dollars” we can probably assume that the $100k figure was very conservative.
Whilst I’d hardly call The Adviser a mainstream publication (I’m probably the only non-mortgage broker who reads it!) it is still good to see domain name sales getting attention outside of the domaining industry.
I realise that these two domains have limited relevance to insurance, but with them still being in the overall finance industry it does show what a super-premium insurance domain name could potentially be worth.
Every day there are hundreds of domain names which expire and are sold to the highest bidder at auction.
Many of these domains are deliberately left to expire, but unfortunately for the owners, sometimes the domains have unknowingly expired.
It can happen to anyone – even me!
Believe it or not, this almost happened to me today.
One of my content clients called me to let me know that my website (shanemoore.com.au) was down. I found this a little strange since I knew that other websites of mine on the same server were working fine, so the first thing I did was a whois search on the domain.
The result shocked me, as I saw that the domain had expired four days prior!
Thankfully domain owners are given around two months grace on their domains, so I was able to pay the renewal and fix the problem instantly.
How did it happen?
It happened in the same way that it happens to most other people. I had an old email address listed as the contact for the domain name, and therefore I never received the renewal notice.
The easiest way to avoid this problem is to ensure that the email address listed on each of your domains is current and actively checked.
It is also important to use a generic company email address rather than an individual employee’s address. Many companies have lost domains as the email address used for the domain was for a person who has since left the company. The email address is either cancelled or no longer checked, and therefore no one in the company gets the renewal, leading to the domain expiring and being lost.
I couldn’t finish this article without mentioning a couple of well known examples within the domain owners community.
One of the best stories is that of hardware.com.au. This fantastic domain was owned by Bunnings, however they let it expire and it was subsequently snapped up by bitter rival Masters for just over $30,000.
This was an example of the email address being that of a former employee.
Another great example was investmentproperty.com.au. This domain was allowed to expire by it’s previous owner, and was snapped up by an astute buyer for a massive $125,000. Losing a six figure asset due to a missed renewal is not good!
Register your domains using an email address which you know will be available and monitored regardless of staff movements, and check your valuable domains from time to time to ensure that they are still active and have the correct contact details. | finance |
http://crossfit-franklin.com/referral-program/ | 2017-03-24T15:52:36 | s3://commoncrawl/crawl-data/CC-MAIN-2017-13/segments/1490218188213.41/warc/CC-MAIN-20170322212948-00227-ip-10-233-31-227.ec2.internal.warc.gz | 0.962156 | 107 | CC-MAIN-2017-13 | webtext-fineweb__CC-MAIN-2017-13__0__145162706 | en | All new members who are referred by a current CrossFit
Franklin athlete, and who sign up for any of the Unlimited Gold Membership options, will receive $50 off their first month
of membership dues. The Referring athlete will also receive $50 off their membership
dues for that same month.
1. Refer 2 people? The referring athlete WILL receive their $50 off their monthly dues & the next month FREE!
2. Refer 3+ people? Every additional referral will be $50 credit towards your membership. | finance |
https://davelen.com/blogs/news/davelen-disposable-towels-the-cost-effective-solution-for-spas-salons-and-self-employed-hairstylists | 2024-02-21T04:49:37 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473370.18/warc/CC-MAIN-20240221034447-20240221064447-00202.warc.gz | 0.96777 | 650 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__72608359 | en | DAVELEN Disposable Towels: Saving Money for Spas, Salons, and Self-Employed Hairstylists
Spas, salons, and self-employed hairstylists are all businesses that require the use of towels. Whether it's for drying hair or wiping down a client's face, towels are an essential part of these businesses. However, the cost of constantly washing and replacing towels can add up quickly. That's where DAVELEN Disposable Towels come in – offering a cost-effective solution that can save these businesses a lot of money in the long run.
DAVELEN Disposable Towels are made of high-quality, absorbent material that feels soft to the touch, yet is sturdy enough to withstand multiple uses. They come in a variety of sizes and styles, so they can be used for everything from drying hair to wiping down surfaces. One of the biggest advantages of these towels is that they are disposable, meaning they can be used once and then thrown away.
This may seem like a small thing, but it actually has significant cost savings for businesses that use a lot of towels. Traditional towels require constant washing and drying, which uses a lot of water, electricity, and detergent. Additionally, towels can wear out quickly with frequent use, leading to the need for replacement towels on a regular basis. With DAVELEN Disposable Towels, all of these costs are eliminated. There's no need to wash and dry them, and they can be easily replaced when necessary.
For spa and salon owners, this means they can save money on water, electricity, detergent, and replacement towels. This can add up to significant savings over time, especially for businesses that use a lot of towels every day. For self-employed hairstylists who work out of their own homes or rent a chair in a salon, these savings can be even more important since they have to cover all of their own expenses.
But it's not just about the cost savings. DAVELEN Disposable Towels are also more hygienic than traditional towels since they are only used once and then thrown away. This reduces the risk of spreading bacteria or other germs between clients, which is especially important in a spa or salon setting where people are in close proximity to each other.
Additionally, DAVELEN Disposable Towels are eco-friendly. They are made from sustainable materials and can be recycled, making them a great choice for businesses that want to reduce their environmental impact. And since they are disposable, there's no need to worry about storing and washing large quantities of towels, which can take up a lot of space.
In conclusion, DAVELEN Disposable Towels offer a cost-effective, hygienic, and eco-friendly solution for spas, salons, and self-employed hairstylists. They can help these businesses save money on water, electricity, detergent, and replacement towels, while also providing a more hygienic experience for clients. With their high-quality materials and variety of sizes and styles, they are a great choice for any business that uses towels on a regular basis. | finance |
https://www.diygirls.co.za/pages/t-c | 2022-01-27T17:27:28 | s3://commoncrawl/crawl-data/CC-MAIN-2022-05/segments/1642320305277.88/warc/CC-MAIN-20220127163150-20220127193150-00677.warc.gz | 0.939741 | 4,733 | CC-MAIN-2022-05 | webtext-fineweb__CC-MAIN-2022-05__0__93393545 | en | DIYgirls shall take all reasonable steps to protect the personal information of users. For the purpose of this clause, "personal information" shall be defined as detailed in the Promotion of Access to Information Act 2 of 2000 (PAIA). The PAIA may be downloaded from: http://www.polity.org.za/attachment.php?aa_id=3569.
Payment options accepted
Payment may be made via Visa and MasterCard.
Card acquiring and security
Card transactions for payment to DIYgirls will be conducted via PayGate (Pty) Ltd, an approved payment gateway for all reputable South African Banks. PayGate uses the strictest form of encryption, namely Secure Socket Layer 3 (SSL3) and no card details are stored on the DIYgirls website. Users may go to www.paygate.co.za to view their security certificate and security policy.
Customer details separate from card details
Customer details will be stored by DIYgirls securely, and all customer payment and card details are stored on PayGate’s secure site. For more detail on PayGate refer to www.paygate.co.za.
Merchant Outlet country and transaction currency
The merchant outlet country at the time of presenting payment options to the cardholder is South Africa. Transaction currency is South African Rand (ZAR).
First Party Service Provider
DIYgirls is the direct first party service provider, responsible for provision of goods and services in a given transaction, including any sale of goods and services sold on this website, ancillary customer service and support, and associated dispute resolution.
Country of domicile
This website is governed by the laws of South Africa and DIYgirls chooses as its domicilium citandi et executandi, for all purposes under this agreement, whether in respect of court process, notice, or other documents or communication of whatsoever nature, the following address: 24 Arklow Road, Bryanston, South Africa, 2191.
DIYGIRLS T's & C's
By ordering, purchasing, or receiving any products, good or services from DIYgirls, you irrevocably and immediately agree and bind yourself to the terms and conditions of sale and service as disclosed hereunder.
In these Standard Terms and Conditions, including the annexures to these Standard Terms and Conditions, unless a contrary intention clearly appears, the following terms shall have the meanings assigned to them in this clause and cognate expressions shall have corresponding meanings -
- In these Standard Terms and Conditions, where any provision is qualified by the words “to the extent permitted by law” the Seller and the Purchaser agree that such provision shall only apply to the extent that the laws of the Republic of South Africa allow same to apply, on the basis that if the Seller is precluded from applying –
- The Purchaser does hereby accept to be bound by the terms and conditions set out herein.
- Quotations are valid for a period of 14 (fourteen) days from date of issue.
- These Standard Terms and Conditions shall apply to all contracts of sale of goods and/or supply of services by the Seller to the Purchaser and no terms or conditions appearing in any of the Purchaser's documents, including the Purchaser's buying order, which are at variance with these conditions shall be binding on the Seller.
- Should any order be given to the Seller on an order form reflecting the Purchaser's name as the entity from which the order emanates, such order shall be deemed to have emanated from the Purchaser, notwithstanding the fact that such order may have been given or signed by a person not authorised by the Purchaser and such order will be deemed to constitute a valid order.
- Unless otherwise agreed in writing by the Seller, payment of the full purchase price of the goods and services shall be made by the Purchaser to the Seller by means of Electronic Funds Transfer (EFT) and shall be on account of any indebtedness of the Purchaser. Payment will be considered made when the amounts reflect finally and unconditionally in the banking account of the Seller. No payments by way of cash or any other negotiable instrument will be accepted by the Seller unless expressly agreed to by a Director of the Seller.
7.1 The Purchaser shall be liable for any banking fees, costs or charges incurred when effecting payment of amounts due to the Seller. In the event that the Seller is charged such banking fees, costs or charges in relation to a payment made by the Purchaser, the Seller shall be entitled to invoice the Purchaser such costs – which shall then be immediately due and payable by the Purchaser to the Seller.
- In the event of fraudulent activities which are perpetrated whereby a change of banking details is advised on the Seller's letterhead or by other means, the Purchaser agrees that any payment made to any other bank account shall not constitute a valid discharge of the Purchaser's obligation to make such payment. The Purchaser shall be obliged to notify the Seller of any receipt by it of a notification of change of banking details and shall only give effect thereto if same is confirmed telephonically and in writing by a Director of the Seller. All losses suffered as a result of any amounts being paid by the Purchaser into any bank account other than the account of the Seller shall be borne solely by the Purchaser.
- Should the Purchaser become subject to a Credit Event the whole balance of any amounts outstanding by the Purchaser to the Seller whatsoever will immediately become due and payable, irrespective of any other agreements or orders to the contrary, and all outstanding work and obligations of the Seller, in respect of which the Seller was still to perform, shall be terminated with immediate effect and the Purchaser shall have no claim in relation thereto.
- Notwithstanding anything contained herein, in the event of the Seller granting credit terms to the Purchaser, the Seller reserves the right to withdraw such credit terms at its sole discretion if it believes that the Purchaser's financial position has deteriorated after the date that the credit terms were granted. Further, it is specifically recorded that any credit limit granted by the Seller to the Purchaser is for the sole benefit the Seller, and the Purchaser shall not be entitled to rely on said credit limit as justification for any limitation of indebtedness to the Seller.
- Should the Purchaser not make payment within 7 (seven) days of the due date for payment for any goods purchased or services provided then, the Seller shall be entitled to charge the Purchaser interest thereon at the rate of two percent (2%) per month calculated from the due date until payment (both dates inclusive) which interest shall be calculated daily and compounded monthly in arrears on the last day of each month.
- Should the Seller have historically granted the Purchaser any discount or reduced charges in relation to the provision of goods or services, that discount or reduced charge is entirely at the Seller’s discretion and is not binding on the Seller nor shall it be automatically applied to any future transactions. Each discount offered by the Seller shall be considered an individual and singular transaction, and shall not constitute or form any practice common between the parties or on which the Purchaser shall be entitled to rely.
- The Seller may agree to provide certain initial consultations, advice, or samples at a discounted or gratuitous preliminary rate or charge. If, however, the Purchaser elects not to proceed with a final order for goods or services in respect of these preliminary goods or services, the Seller shall be entitled to charge the Purchaser and recover its reasonable costs and expenses as agreed to between the Seller and the Purchaser before design phase or failing such agreement, to be determined by the Seller in its sole and absolute discretion in relation thereto.
- To the extent permitted by law, the Seller shall incur no liability in respect of the non-delivery or late delivery of any goods or services ordered by the Purchaser or failure by the Purchaser to collect the goods. In the event that the Purchaser is, irrespective of the aforementioned, able to prove the Seller’s liability in relation thereto, the Purchaser’s damages, costs or losses shall be limited to a refund of any amounts paid in respect of the goods or services. NOTE: This clause limits and excludes the rights and remedies of the Purchaser and places various risks, liabilities, obligations and legal responsibilities on the Purchaser.
- Signature by the Purchaser, or by any representative of the Purchaser, to the Seller's delivery note, or certificate of completion, shall be regarded as acceptance by the Purchaser that the goods and services reflected in such note have been properly and completely received. Goods that are posted or are to be transported by a carrier according to the Purchaser's instructions shall be deemed to have been delivered to the Purchaser on receipt of the goods by the Post Office or Carrier, as the case may be. NOTE: This clause limits and excludes the rights and remedies of the Purchaser and places various risks, liabilities, obligations and legal responsibilities on the Purchaser.
- Risk in and to the goods shall pass to the Purchaser on delivery by the Seller, installation by the Seller where the Seller is responsible for such installation, or collection by the Purchaser.
- Notwithstanding the delivery of any goods to the Purchaser, ownership thereof shall not pass until the Seller has received payment of the full purchase price. The Seller shall at its own discretion be entitled to demand the return of possession of any of the goods which have not been paid for and in respect of which payment is overdue, and apply for the necessary relief.
- In the event that the parties have agreed that the Seller shall deliver the goods to the Purchaser, it shall do so entirely at its own discretion and by the method and route it selects. Should the Purchaser request any amendments to the delivery process, the Seller shall have the discretion whether to proceed in accordance therewith and to charge the Purchaser for any additional charges incurred.
- The Seller may deliver, or make ready for collection, the goods as ordered by the Purchaser in portions or batches, and the Purchaser shall be obliged to accept delivery or collect said goods in the portions or batches as a divisible sale by the Seller. The Purchaser shall be liable to make payment for the consignment or portion as received from the Seller on the due date, irrespective of whether the balance of the original order has been received.
- The Purchaser shall not permit or allow the goods or any portion thereof to become subject to any landlord’s lien or hypothec until the price payable therefore has been settled in full, on the basis that the Purchaser shall be obliged to inform the landlord of the premises at which the goods are stored from time to time (to the extent that such premises are not owned by the Purchaser), in writing, of the Seller's ownership of the goods and to provide the Seller with an acknowledgement of receipt from the aforesaid landlord of such notification.
- To the extent permitted by law, the Purchaser shall have no claim for short or defective delivery, installation or collection unless the Purchaser has specified on the Seller's delivery note and/or invoice and/or certificate of completion the details of the alleged short or defective delivery. NOTE: This clause limits and excludes the rights and remedies of the Purchaser and places various risks, liabilities, obligations and legal responsibilities on the Purchaser.
- Where the Seller has agreed to the rectification of any snags or defects in relation to the provision of goods or services, the Purchaser shall be obliged to notify the Seller of any further snags or defects within a further five days of the Seller’s attendance to the rectification, failing which the Purchaser shall be deemed to have accepted the final goods and services in good order.
- To the extent permitted by law, the Seller shall be exempted from and shall not be liable under any circumstances whatsoever for any indirect loss or damages of any nature (including, without limitation, consequential damages) or any loss of profit which the Purchaser may suffer as a result of: a defect in the goods or services; the goods failure to perform to desired specifications or services failure to meet desired specifications; any breach by the Seller of any of its obligations; arising out of the use of the goods; or the Purchaser’s dissatisfaction with the final presentation of the goods or services.
- Should the Purchaser suffer any direct loss or damages as a result of the negligence of the Seller, or as a result of any defect in the goods or services, the Seller shall have the right, in its sole discretion, to remedy such loss at its own cost and through the use of its own contractors, services and products, within a reasonable period of time of being notified of such loss or damages by the Purchaser. Should the Purchaser refuse the Seller’s offer to remedy such loss or damages, the Seller shall be entirely resolved of liability and the Purchaser shall have no claim against the Seller in relation thereto. NOTE: This clause limits and excludes the rights and remedies of the Purchaser and places various risks, liabilities, obligations and legal responsibilities on the Purchaser.
- It is specifically recorded that the Seller renders services which require that the Seller have a degree of discretion in the implementation of the services or the specific goods to be provided to the Purchaser, in order to give effect to the Seller’s expertise as an artist and interior designer. The Purchaser accepts that, due to the nature of such services, the final product or services may vary, to a reasonable degree, from that which was originally discussed or negotiated between the parties, and the Seller shall have the final discretion on the execution of the services and selection of products which align with the Seller’s vision of the final design provided that the price and quality of such variation will not alter the quoted price and quality.
- The Seller shall have the right to substitute the services or products with other services or products of equal or greater value, at the Seller’s discretion, and in the interests of execution of a final interior design plan or renovation.
- Any intellectual property, of any kind, which is delivered, created, adapted, or developed during the course and scope of the Seller rendering the services or providing the products shall be the sole and exclusive property of the Seller, and the Seller shall own and have all right and title in relation thereto. Under no circumstances is the Seller deemed to have sold or otherwise disposed of any its intellectual property to the Purchaser or any third party.
- To the extent permitted by law, the Seller shall have no liability in respect of any claim –
- The Purchaser confirms that it has satisfied itself, prior to the purchase, that the products or services are fit for their intended purpose. The Seller does not, in any way, warrant the products will be fit for their intended purpose and the Purchaser shall, as a consequence, not have any claim against the Seller.
- To the extent permitted by law, the Purchaser hereby agrees to indemnify the Seller against all claims of whatsoever nature which may be made against the Seller by any third party arising out of the use of the goods sold by the Seller to the Purchaser and/or the services provided by the Seller to the Purchaser, unless such claims arise out of gross negligence of the Seller. NOTE: This clause limits and excludes the Purchaser’s rights and remedies and places various risks, liabilities, obligations and legal responsibilities on the Purchaser.
- In the event that the Seller has agreed to attend to any portion of the delivery or installation of the goods or physical rendering of services at the premises requested by the Purchaser, the Purchaser must ensure that the site for such delivery is prepared and ready to receive the goods or services. Any delays which result from the Purchaser’s failure to ensure that the site is prepared will entitle the Seller to charge the Purchaser for the additional costs of labour, storage, or transportation as the case may be.
- Where the Seller has agreed to attend to installation of goods or rendering of services at the premises selected by the Purchaser, the Seller shall have no liability whatsoever in respect of any damage or loss suffered as a result thereof, or otherwise.
- The Seller shall be entitled to apply any payments received from the Purchaser to whichever outstanding claims or debts as it sees fit, and entirely at the Seller’s discretion. Unless otherwise specified by the Seller, it shall be presumed that any payments received from the Purchaser are allocated to the payment of any interest accrued or legal costs incurred by the Seller, and thereafter to the oldest outstanding invoices and debts.
- Should either Party commit a breach of these Terms, and fail to remedy such breach within 10 Business Days of having been called upon in writing by the other Party to do so then the aggrieved party may, in its discretion and on written notice to the defaulting party, institute any claims which the aggrieved party may have for damages or specific performance against the defaulting party in law or otherwise in these Terms and Conditions.
- The Seller shall be entitled to bring any action or proceeding against the Purchaser in any competent court, and all costs incurred in any action including costs on an attorney/client scale and attorneys collection commission will be paid by the Party who is found to be at fault. The Purchaser and the Seller agree that the laws of South Africa will govern any dispute between the parties.
- The parties hereby choose as their respective domicilia citandi et executandi for all purposes arising out of these Standard Terms and Conditions the addresses selected by the Purchaser and Seller as contained in these Standard Terms and Conditions, alternatively the address expressly recorded and notified to the other party in writing.
- Any notice required to be given by either party to the other in terms of this agreement shall be in writing and shall either be delivered by hand or be forwarded by email or pre-paid registered post; and unless and until the contrary is proved, a notice:
- Unless the context otherwise requires, the words importing the singular shall include the plural and vice versa, a natural person shall include an artificial person and vice versa and the one gender shall include the other gender and vice versa.
- The Purchaser shall not, under any circumstances, be entitled to withhold or set-off payments to the Seller. A certificate from a manager or director of the Seller shall constitute prima facie proof of the Purchaser’s indebtedness. Furthermore, it is recorded that the Seller is obliged, by legislation, to comply with the requirements of the Trade and Metrology Act No 77 of 1973, and in terms thereof to regularly assize its weighing equipment. Accordingly, the quantity or weight of goods sold by the Seller and received by the Purchaser shall prima facie be presumed to be correct and accurate.
- Where the Seller renders services to the Purchaser, including installation, construction, renovation, maintenance, repair, and interim operation of products, the Seller’s obligations shall be limited as follows:
40.1 The Seller reserves the right to charge increased rates for labour and parts where such is required urgently or outside of business days from 09:00 to 17:00.
40.2 The Seller will attend to services and call-out to the Purchaser’s premises when possible, but will not be obligated to do so under any circumstances.
40.3 The Seller shall have the final unilateral discretion to select the date and time in which the services will be rendered, but the Seller will use its best endeavours to do so in accordance with the Purchaser’s requirements.
- If the products ordered by the Purchaser are special order goods as defined in the CPA, the Purchaser shall not enjoy the rights afforded by Section 17 of the CPA, which include the cancelling of any advance order or booking.
- The Seller may require advance payment of a reasonable deposit for any products or services yet to be rendered, and the Seller may impose a reasonable cancellation charge (which may be the entirety of the deposit) in the event of the Purchaser cancelling the order. The Purchaser acknowledges that the deposit and cancellation charge levied by the Seller is reasonable and fair in the circumstances. Further, the Purchaser acknowledges that the deposit may be utilised for the purchase of goods or construction materials which are non-refundable, and the Purchaser will have no claim for repayment of the deposit.
- Where the parties have agreed that the Seller is to order goods or products which require importation from a country outside of the Republic of South Africa for sale and delivery to the Purchaser, the Purchaser shall be liable for any increase in the cost of said goods in excess of 5% of the total gross purchase price (between the date of placement of the order and the date of delivery of the goods), insofar as such increase is caused by a fluctuation in the exchange rate between South African Rands and the currency of the country from which the goods are ordered.
- Where the Seller and Purchaser agree on the purchase price of specific goods in a currency other than South African Rands, the Seller shall be entitled to elect to receive payment in South African Rands at date of invoice or in the foreign currency as originally agreed.
- Orders placed by a Purchaser, and which are based on any price list published or furnished by the Seller, shall be subject to the Seller’s confirmation and availability of stock.
- Any warranty/guarantees provided by the Seller with respect to the products or services will be limited to that which is described in any supporting documentation, and failing any express warranty/guarantee provided by the seller in said supporting documentation, the Seller provides no warranty or guarantee whatsoever.
- Any condonation of any breach of any of the provisions hereof or other act or relaxation, indulgence or grace on the part of the Seller shall not in any way operate as or be deemed to be a waiver by the Seller of any rights hereunder, or be construed as a novation thereof.
- Each clause of these Standard Terms and Conditions is severable, the one from the other and if any one or more clauses are found to be invalid or unenforceable, that clause/clauses shall not affect the balance of these Standard Terms and Conditions, which shall remain of full force and effect.
- These Standard Terms and Conditions together with the Seller’s official quote contains the entire agreement between the parties and any other terms thereof whether express or implied are excluded herein and any variations, cancellations or additions to this contract shall not be of any force or effect unless reduced to writing and signed by the parties or their duly authorised representatives.
- The Purchaser's Representative who is signing on behalf of the Purchaser acknowledges having read these Terms and agrees that both he/she and the Purchaser (wherever applicable) are bound by them.
- The amount and date of deposit will be determined by mutual agreement between the parties. Final payment for any goods and/or services will be effected on date of final delivery. | finance |
https://ourfrenchways.com/blog/ | 2024-04-18T06:51:17 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817200.22/warc/CC-MAIN-20240418061950-20240418091950-00719.warc.gz | 0.937517 | 477 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__85887534 | en | What does it take to qualify for Green Aids from the French Government in 2023?
Yes, in 2023. Because come next January, there will be a whole new package out there, which I will tell you all about when the time comes.
Own your Main Residence
The very first condition is that you direct the renovations to your main residence, and that the lodging was built more than 15 years ago. There do exist some aids for lodgings just over 2 years old, but they are scant, small, and only apply to lodgings you are planning to rent out.
Conditional on your Household Yearly Income
Below is where you will find your Household Yearly Income —or Revenu fiscal de référence in French.
You will then be able to verify, from the table below, whether you have a chance at eligibility:
As you will observe, there’s a first column in which you’ll find the number of people in the household —from 1 to 5 and then you add a certain income with each extra person.
You then have another four colour-coded columns which will give you an idea of what income category you belong to, the blue category being the one with the lowest incomes, and the pink one the highest eligible incomes. Over €69.000, do not expect to qualify for any sort of PrimeRénov’.
And, There is still the VAT Reduction!
Indeed, no matter how high your income, if you go through an RGE professional for your renovation works, you can still benefit from a 5.5% VAT, instead of 10%, or even in some cases 20%.
You will also receive a specific form from your RGE professional, that you can use when declaring your 2023 income next year and thus see your tax reduced thanks to your green works on your house.
So, you see? There are ways to get some money saved when renovating our old homes.
And finally, there’s the Eco-PTZ —Éco-Prêt à Taux Zéro— which you can ask about at your bank.
But as mentioned earlier, there will be a whole new packaged-deal out in January next year! So, we’ll talk again. | finance |
http://mediareleases.nt.gov.au/mediaRelease/31546 | 2020-07-12T18:12:06 | s3://commoncrawl/crawl-data/CC-MAIN-2020-29/segments/1593657139167.74/warc/CC-MAIN-20200712175843-20200712205843-00039.warc.gz | 0.925287 | 689 | CC-MAIN-2020-29 | webtext-fineweb__CC-MAIN-2020-29__0__143793968 | en | 25 Sep 2019
The Territory’s key Regional Tourism Organisations, Tourism Top End and Tourism Central Australia will each receive $150,000 in funding from 1 November 2019 to 30 June 2021.
Regional Tourism Organisations are membership-based bodies that provide visitor information services, intra-territory marketing and work with the tourism industry, all levels of government and the community to grow a region’s tourism sector.
The funding supports Tourism Top End and Tourism Central Australia to continue to deliver the Business Enterprise Development Program, which assists tourism businesses improve their effectiveness in a highly competitive global marketplace.
In addition to delivering the Business Enterprise Development Program to its membership-based associations the funding will also go towards a range of projects, including business enterprise surveys, the annual Tourism: Towards 2030 Conference and the Brolga Northern Territory Tourism Awards.
As part of the funding agreement, Tourism Top End and Tourism Central Australia will partner with Tourism NT to develop an operator feedback tool to help determine the success of tourism and development support programs as well as provide a regular calendar of workshops to regional operators.
Quotes from Department of Tourism, Sport and Culture Deputy CEO Andrew Hopper:
“An investment in Tourism Top End and Tourism Central Australia is an investment in industry. Our industry bodies work hard to promote their regions, and this funding will help grow their capacity, and support the many ways they already help operators.
“The Northern Territory Government is helping to grow the tourism sector through its Turbocharging Tourism initiative, which saw the release of the NT’s Tourism Industry Strategy 2030 earlier this month.
“Developed in collaboration with industry the NT’s Tourism Industry Strategy 2030 sets the direction for the next 10 years with the holiday visitor target set between 1.18 million and 1.45 million holiday visitors by 2030, accounting for $1.46 billion to $1.79 billion in holiday visitor expenditure, which translates to a total of 3,900 potential new jobs in the tourism industry by 2030.
“The tourism sector supports a total of 17,100 jobs in the NT as well as thousands of small to medium-sized businesses. Growing the sector will create more jobs in the Territory.
“Through collaboration between Tourism NT, Tourism Top End and Tourism Central Australia, we can continue to work together to get the best outcomes for tourism Territory-wide, and ensure industry voices are heard from across the sector.”
Quotes from Tourism Top End General Manager Glen Hingley:
“The partnership support of government co-investing with the tourism industry in business enterprise development is beneficial to the future visitor economy of the Northern Territory.
“Tourism Top End is grateful for the partnership support and is matching this with the creation of an Industry Development Manager role, along with related programs such as our Tourism Enhancement Program which is designed to help operators enhance and grow their businesses.”
Quotes from Tourism Central Australia CEO Stephen Schwer:
Business Enterprise program has been extremely useful for visitor economy businesses,
and so I am pleased the NT Government have decided to keep it going.”
“The one on one business mentoring has been received very positively, and in a time poor society, this mentoring will become increasingly necessary to help businesses grow.”
Media Contact: Department
of Tourism, Sport and Culture – 0428 052 647 | finance |
http://www.taxjeanie.com/newsletter.php?nid=14907 | 2014-09-02T04:12:51 | s3://commoncrawl/crawl-data/CC-MAIN-2014-35/segments/1409535921550.2/warc/CC-MAIN-20140901014521-00028-ip-10-180-136-8.ec2.internal.warc.gz | 0.816028 | 321 | CC-MAIN-2014-35 | webtext-fineweb__CC-MAIN-2014-35__0__97502181 | en | Please feel free to read our client newsletter. It is provided to keep you up to date on the latest tax and accounting news.
2008 Special Update Newsletter
What does the recently passed $700 billion financial bailout legislation mean to you? With all the press and focus on the international banking system, many are overlooking $100 billion of the bill that directly impacts all taxpayers. This update tries to help make some sense out of the legislation.
- Emergency Economic Stabilization Amendment of 2008
- Protection for Savers
- AMT patch set for 2008
- Teachers save your receipts...AGAIN!
- General State and Local Sales Tax Deduction
- Qualified Tuition Deduction through 2009
- Charitable Deductions from Individual Retirement Plans Extended
- New Property Tax Deduction for Non-Itemizers Extended
- Energy Savings Tax Credits
- Child Tax Credit Changes
- More Reporting Sent to IRS Starting in 2011
- Business Tax Changes
Please contact us with any questions.
- Posted on: 07/31/2014
- Posted on: 07/03/2014
- Posted on: 06/05/2014
- Posted on: 05/01/2014
- Posted on: 04/03/2014
- Posted on: 03/07/2014
- Posted on: 02/10/2014
- Posted on: 01/02/2014
- Posted on: 12/05/2013
- Posted on: 10/31/2013
- Posted on: 10/03/2013
- Posted on: 09/05/2013 | finance |
https://metaverser.gitbook.io/internal-wiki | 2024-03-03T22:08:39 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476399.55/warc/CC-MAIN-20240303210414-20240304000414-00170.warc.gz | 0.952101 | 220 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__197793116 | en | Metaverser is a virtual world that enables users to have fun while playing inside its metaverse and earn income from different play-to-earn games. The game mixes the world of finance and gaming, providing gamers with opportunities to generate an income while they play. Gamers will have more control by adding real-world value to their online entertainment. They can participate in the game challenges, earn MTVTs and NFTs, and sell them at the marketplace and cryptocurrency exchanges. Assets are minted as non-fungible tokens (NFTs) and can be often traded on platforms outside the game’s universe. The magic of Metaverser is that whales are not the only winners in the game. Only the gamers with the right strategy and a certain amount of luck can get the final victory. Gamers can travel in the game using ports, train stations, and airports, complete missions, and earn real money alongside fulfilling their sense of curiosity in the process. Whether users are serious card players or DeFi enthusiasts, they can find their own happiness in Metaverser. | finance |
https://www.cecabroad.co.in/study-in-new-zealand/ | 2024-03-04T20:33:00 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476532.70/warc/CC-MAIN-20240304200958-20240304230958-00524.warc.gz | 0.947418 | 564 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__25872228 | en | You must submit evidence of sufficient funds for maintenance during your stay in New Zealand including:
Financial Undertaking Form/s (If more than one guarantor).
Affidavit/s of Support from Guarantors (also stating the exact relationship of the guarantor with the applicant). The guarantor must provide the documents of evidence of their identity including date of birth, signature, and contact details including telephone numbers.
Authorization letter(s) from guarantors authorizing Immigration New Zealand to verify their financial documents on their behalf. If guarantors are outside India, the contact name and numbers/email addresses can be taken for verification by the Bank officials.
The students should provide evidence of funds upfront for courses for the first year inclusive of living expenses (NZ$ 15,000) in New Zealand. If the duration of the course is longer than one academic year, students should provide a plan of payment to show that they have access to funds and have the ability to meet the rest of the course cost and living expenses while they are studying in New Zealand.
The following evidence of funds can be accepted:
Education loan sanction letter from a nationalized or multinational bank only
Latest bank statements for the past 6 months. It should not be more than 1 week old at the time of lodgment of the application. Please ensure that statements and not balance certificates are provided.
Fixed Deposits. In case of providing fixed deposits as evidence of funds please ensure that a copy of the deposit along with a letter from the bank giving the details of the deposit is provided.
Public Provident Fund Accounts/Employers Provident Fund Accounts.
Post Office Accounts.
National Saving Certificates.
Acceptable Payment Plan
EPF or GPF accumulated over a period of 1 year
NSC’s due to mature in the following year
KVP’s due to mature in the following year
LIC due to mature in the following year
Funds Transfer Scheme
Immigration New Zealand has introduced a system wherein the students are able to choose to transfer their living expenses of 12 months to a bank account in New Zealand which will be in addition to paying a tuition fee for 1 year. The amount is deposited in the bank and is sealed for a year, and is then provided to the student on a prearranged basis.
The fund transfer option is available for the students who are genuinely intended to stay in New Zealand and do not have sufficient funds that are 6 months old. Here the student is made to transfer $15,000 to the NZ’s bank account through which the student is provided only $1,250 per month for his/her living expenses. Students who opt for this option find no need to verify any documentary evidence to demonstrate their source of funds. | finance |
http://www.uhnm.nhs.uk/news/pages/Solar-Power-Scheme-total-continues-to-rise.aspx | 2018-06-24T22:00:59 | s3://commoncrawl/crawl-data/CC-MAIN-2018-26/segments/1529267867095.70/warc/CC-MAIN-20180624215228-20180624235228-00244.warc.gz | 0.969236 | 332 | CC-MAIN-2018-26 | webtext-fineweb__CC-MAIN-2018-26__0__73185021 | en | University Hospitals of North Midlands is delighted to announce that £184,000 has been raised for the Community Energy Scheme.
The scheme, launched on Monday 25 July, will install more than 1,000 solar panels across the Trust, the largest ever installation at a NHS Trust. The £184,000 raised so far equates to 55% of the £335,000 target, this has been achieved with valuable contributions from across the Trust and wider afield. Investment into the scheme can be as little as £100, which will secure investors a return of 4.5% and help generate a community fund which will be used by 'Beat the Cold' charity to help tackle fuel poverty in the area.
By helping the 'Beat the Cold' charity, the scheme is not only helping improve the living conditions of the local population, but also it is hoped that this project can have a measurable long-term impact on the health and wellbeing of those currently effected by fuel poverty.
Charlie Cox, Energy Manager, said: "The investment figures for the scheme have been very encouraging in such a short space of time. I would like to thank everyone who has invested so far and it's been very pleasing to see so many people get involved with a scheme that will have so many positive benefits. The project really is a unique opportunity not to be missed. However, there is still a lot of work to be done to reach our final target and we are hopeful that the total will continue to rise over the coming days and weeks."
For more information and to invest in the scheme, please visit: www.ethex.org.uk/SSCE | finance |
https://saltrivertherapy.com/insights/can-money-buy-happiness | 2024-02-20T22:07:43 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473347.0/warc/CC-MAIN-20240220211055-20240221001055-00391.warc.gz | 0.949058 | 759 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__128785459 | en | When I was growing up, I remember my parents encouraging me not to center my thoughts and goals around money. They warned me with the old adage, “money can’t buy happiness”.
As I became an adult and gained financial independence, I started to understand the truth is a little more nuanced than that. Money can’t exactly buy happiness… but it sure can help.
Additionally (and more urgently), having money means avoiding the mental health struggles that often come with financial challenges.
How financial stress impacts mental health
Studies show that people without adequate and stable financial resources are more prone to mental health challenges such as depression and anxiety. In severe instances, particularly situations involving insurmountable debt, financial stress increases the risk of suicide.
Economic challenges greatly impact a person’s autonomy and sense of mastery over their own life. This lack of control is detrimental to self-esteem and mental wellbeing.
Choices like picking up an extra job, moving out of the family neighborhood, and skipping indulgences for your children start to be made out of necessity, not desire. Those who receive public assistance or support from non-profit organizations are compelled to “follow the rules” in order to be eligible for help, losing the dignity of making the small everyday decisions in their lives that other people enjoy.
Long-term or lifelong financial stress is a chronic traumatic experience. Like other traumas, it can cause you to get stuck in the reactive modes of fight, flight, freeze, and collapse, limiting your mental and emotional flexibility.
A vicious cycle
Many of the ways that money impacts mental health are self-reinforcing. For example, if you are forced to spend virtually all your time earning money to try to make ends meet and solving financial crises, you don’t have the time or energy to grow in other areas of your life – there’s nothing left of you to spend on hobbies, relationships, or frivolities. Without those sources of joy, you are at even more risk of becoming depressed.
Constant hustling is also hard on the body – financial difficulties often cause you to sleep less, get less nutrition, and endure more physical strain. These physical stressors also impact mental health, as they can increase anxiety and other emotional difficulties.
Lacking financial resources carries a lot of stigma, and discrimination against people who are poor or low income is rampant in society. This can create social isolation and unfair loss of opportunity, adding on more mental and emotional stress.
Serious mental health crises that involve hospitalization or a period of time where you are unable to work can be very financially costly, due to medical bills and loss of income. Without adequate financial resources to cushion you, your recovery might stall or even be interrupted by relapse because you push yourself to go back to work too soon or get stressed out from being harassed by debt collectors.
Navigating money and mental health
The challenges that financial strain puts on mental health is ultimately a societal problem. Structural issues create artificial resource scarcity and allow only the privileged to gain and maintain true financial wealth.
But like my parents said, money can’t buy happiness – nor can it guarantee good mental health. Studies show that the effect of income on emotional wellness eventually plateaus, and past that point, more and more riches cease having an impact.
If you’ve been looking at your relationship with money or have been wondering why success and spending aren’t making you happy, therapy can guide you in digging deeper into those questions. Click the button below to set up a consultation, and we can chat more about your journey so far and how I might be able to help you go further. | finance |
https://www.scavomedia.com/navigating-the-regulatory-maze-producing-legally-approved-financial-videos | 2024-03-05T15:06:11 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707948235171.95/warc/CC-MAIN-20240305124045-20240305154045-00778.warc.gz | 0.901379 | 461 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__199228973 | en | In the finance industry, the accuracy and legality of information are paramount. To ensure full compliance while producing financial videos, firms must follow a careful procedure that involves script approval, teleprompter use, post-production reviews, and more. The process can be intricate, but it's crucial for maintaining trust and credibility.
Ensuring Compliance: A Step-By-Step Approach
Step 1: Crafting the Script
The journey towards a compliant financial video starts with a well-crafted script. The script should contain accurate, clear, and comprehensive information about the financial topic at hand, with a strong focus on transparency.
Step 2: Compliance Review
Once the script is drafted, it is sent to the compliance team for review. The compliance department, well-versed in regulatory requirements, will scrutinize the script to ensure it complies with all relevant laws and regulations. They will suggest edits or modifications as necessary.
Step 3: Using a Teleprompter
To guarantee accuracy and adherence to the approved script, using a teleprompter during the recording phase is a best practice. This ensures that the exact wording approved by the compliance team is used, reducing the risk of miscommunication or inadvertent misinformation.
Step 4: Post-Production and Second Compliance Review
Once the video is edited and finalized, it's sent back to the compliance team for a final review. This step is crucial to ensure that the content, visuals, and narrative align with the approved script and meet all regulatory standards.
This robust process nearly guarantees the production of legally compliant financial videos. However, while compliance is critical, it should not dampen creativity and engagement.
Balancing Compliance and Creativity
Even with stringent regulations, there is room for creativity in financial video production. Engaging visuals, creative storytelling techniques, and a conversational tone can make these videos interesting for the viewers. The key is to use creativity to enhance the clarity and comprehension of the financial content, not to dilute or obscure it.
In conclusion, producing compliant financial videos is a meticulous process that requires cooperation between content creators and compliance teams. By adhering to this process, finance firms can ensure they produce videos that not only educate and engage their audience, but also uphold the trust and credibility so essential to their industry. | finance |
http://www.facil.co.il/Services/Sell.html | 2023-12-01T22:14:04 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100308.37/warc/CC-MAIN-20231201215122-20231202005122-00255.warc.gz | 0.938405 | 2,048 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__300320055 | en | So, you decided to engage in sales in Russia, which means that you will inevitably run into the import of goods.
Import of goods should be understood as a process characterized by the importation of products produced abroad of Russia for the purpose of local consumption, the subsequent sale of imported goods or the re-importation of goods.
The company plans to expand interests and engage in foreign economic activity, always strives to think over the optimal scheme for importing goods to Russia, which will take into account its material benefits and, not least, time costs.
However, the import of goods to Russia is a rather complicated procedure and is very different from similar activities, for example, in the European Union. Despite this, a lot of European and American companies show a genuine interest in the issue of importing their goods to the territory of Russia and the countries of the Customs Union.
The Russian Federation accession to the World Trade Organization positively influenced to the import of products from foreign countries. In particular, there was a reduction in customs duties on many types of goods, which made the Russian market more attractive for foreign companies. But the procedures for passing customs control remain very complicated.
The procedure for importing products into Russia is regulated by the Customs and Tax Codes of the Russian Federation. All imported goods must be taxed: there is a collection of customs duties, excise duty, VAT (value-added tax) and other types of customs duties are levied. The fees are paid by the importer (declarer) or the importer's authorized representative, whose powers are to represent the interests of the importer at the time of crossing the border and are confirmed by the relevant documents.
Documents For Importing Goods To Russia.
The rules for the import of goods into Russia presuppose the mandatory registration the following documents :
- The constituent documents of the company that buys goods - your Russian company (copies).
- Original properly formed (according to the "Requirements for the contract") contract and its two copies, which will be the seal of the acquiring company.
- Passport of the import transaction (copies certified by the bank, copies certified by the buyer).
- Accompanying documents related to the goods arrived, which will indicate the current details of the buyer and seller, the number assigned to the contract, the cost of the products, the essential terms of delivery (all the data above must necessarily coincide with the same data , specified in the contract).
- Translated invoice of the goods, certified by the seal of the company.
- Documents confirming the company's license to conduct foreign trade, various certificates and other permits (when required).
- Payment order or any other document confirming the payment of customs fees (original).
- Information (packing list) on the packing material, weight of the products, the number of seats for the expected consignment should be indicated - relative to each item of the goods.
- Other documents mentioned in terms of delivery and contract. For example: a bill of lading (if carried by sea); TIR, CMR (if road transport is carried out); documents confirming cargo insurance; documents confirming the availability of prepayment, and others.
- Documents confirming the customs value of the products: transportation documents, documents confirming insurance (if specified in the terms of the contract), documents in which the transport costs are indicated, if those were not specified in the invoice.
The Customs Service May Request The Following Additional Documents :
customs declaration of the sending country, certified by the seller;
- Additional contracts concluded with persons related to the transaction;
- Accounts for payments to third parties in favor of the seller;
- Accounts related to commission, brokerage services and related to valued goods;
- Payment accounting documents;
- Licensing or author's agreements;
- Licenses for export / import;
- Receipts from storage warehouses;
- Documents confirming the order of delivery of the goods;
- Catalog, specification, price-list from the manufacturer;
- The calculation made by the manufacturer on the goods being valued (if firm agrees to provide such a calculation to the buyer from the Russian side);
- Payment and other documents related to the conduct of similar transactions or the purchase of similar goods;
- Other documents that can confirm the value of the goods declared in the customs declaration.
If the goods after crossing the border are delivered to the destination point by the territory of Russia, the shipping cost is deducted from the customs value. However, in order to carry out the recalculation, clear documentary evidence is required that the goods were transported through the territory of Russia, and evidence of such deductions and their quantity.
This can be contracts for the delivery of goods, which will indicate the cost of delivery and payment method, invoices indicating the details of the parties, documents confirming the payment for delivery services in accordance with the invoice.
Article 19.1 (a) of the Russian Law "On Customs Tariff" states that the cost of delivery includes the cost of transporting the goods, the cost of work related to unloading and loading of goods, the cost of cargo insurance. Accordingly, when the question of reimbursement of customs value is considered at the expense of the cost of delivering goods across Russia from the place where it was imported, each component of the cost of delivery is considered separately, since the cost of transportation will depend on the distance, loading operations - on the weight of the goods, and insurance - of the cost of the goods themselves.
The following explanatory materials are provided for a specific products: booklets, samples, technical description of the goods, drawings and so on. Copies of these documents must be certified by the seal of the acquiring company.
Under What Scheme Realized Import Of Goods To Russia?
Import of goods to Russia can be dealt independently, thoroughly studying the current legislation. But if there is a big deal and it is necessary to reduce the possible risks to zero, the intermediary should be connected to the import procedure. We are ready to take all the necessary obligations on ourselves and save you from documentary red tape. However, you need to know that there are two most common import options :
The First Import Scheme
The first scheme of import of goods to Russia is used for residents of the Russian Federation. It is convenient for companies that need to purchase goods abroad, but they do not plan to become participants in foreign economic activity.
To do this, these organizations adress to the services of an intermediary company, reducing the possible risks associated with the import of goods and avoiding the payment of additional taxes on the territory of Russia. Currency operations (if there is a need for them) are performed by the intermediary, so the customer may not open his own currency account, for transactions with the intermediary, it will be sufficient to have an already existing ruble account.
Participants In The Scheme :
- A resident (a Russian firm) planning to purchase goods abroad and at the same time wishing to protect themselves from the perceived risks that may arise, for example, in the process of customs clearance of imported goods; (your Russian representative office or company).
- The intermediary (the importer company), taking on the customs clearance of the goods (our company) arriving in Russia, and selling the imported goods to the resident;
- The supplier (the foreign seller of the goods and most likely the sender of the goods-YOU).
- Currency control and customs authorities do not check the resident when importing goods to Russia and after their release for free circulation;
- There is no need to participate in each related procedure: - Registration of the organization in customs authorities;
- Registration of a foreign trade contract;
- Opening a passport of the transaction in the bank;
- Control of storage times in temporary storage warehouses.
To implement the scheme, the intermediary and the resident can conclude a commission agreement or a contract of sale. An intermediary on behalf of a resident enters into a foreign trade contract with a supplier for the import of goods and services to Russia. If necessary, prepayment for the goods is made, this is done by the intermediary.
Then the goods are delivered to the address indicated by the intermediary, and then he carries out customs clearance of the cargo.
The Second Import Scheme
The second scheme of imports to Russia is used for non-residents (foreign persons). As a rule, it is used in companies that are manufacturers, forwarders, carriers, or in any other foreign companies interested in exporting their products. This option is used when the customer in Russia wants to buy goods and at the same time does not want to deal with importation, customs clearance, participate in foreign currency foreign trade transactions.
Participants In The Scheme :
- Non-resident (foreign organization);
- The importing company (the consignee of the goods) registered in Russia, engaged in the customs clearance of cargo in Russia and selling goods issued by a foreign company;
- A customer (buyer) who has a registration in the territory of the Russian Federation and who wants to buy goods in any country, but he does not want to deal with customs clearance issues and be under currency control by the auditors.
- Conclusion of an agreement with the customer, prepayment by the customer on the basis of the concluded agreement;
- Conclusion of a foreign trade agreement with a non-resident;
- Purchase of goods abroad and import to Russia;
- Customs clearance of goods;
- Payment of state duty and VAT;
- Sale of goods to the customer.
- The customer removes all risks, because the prepayment is paid by the Russian company, and there are no problems associated with the customs clearance of the import of goods to Russia.
We will take care of all these hardships.|
We will provide legal advice, select an office and legal address, hire a General Director or offer you a nominee as long as you do not choose your representative for this position, we will help to complete all the documentary processes and even will hire a staff! | finance |
https://lians.ca/news/fraud-alert/2019/08/27/fraud-alert-bc-lawyers-fall-victim-to-social-engineering-scam/ | 2024-02-29T00:47:14 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474775.80/warc/CC-MAIN-20240229003536-20240229033536-00064.warc.gz | 0.969555 | 663 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__33978180 | en | The following is an excerpt from a fraud alert recently posted to the Law Society of British Columbia, with a scenario that could also threaten Nova Scotia lawyers:
“Two BC law firms, one in BC’s interior and one in downtown Vancouver, have recently fallen victim to sophisticated social engineering frauds involving millions of dollars. One firm redirected over half a million dollars in sale proceeds that it was holding in trust for a real estate client. The firm’s original instructions were received in-person, from the client. Before wiring the funds to the client as originally instructed, the firm received an email, purportedly from the client but in fact from the fraudster, directing that the funds be wired to a different account. The client never received the funds as the lawyer sent the funds to the fraudster’s account. In this case, the email address used by the fraudster was identical to that used by the client.
The second firm redirected over 1.5 million dollars in investment funds it was holding in trust for a corporate client raising capital in a securities transaction. The firm originally received payment instructions from the corporate client. As in the first fraud, before wiring the funds to the client, the firm received an email, purportedly from the client but that was actually from the fraudster, directing that the funds be wired to a different bank account. The funds were sent to the fraudster and not received by the client. In this case, the email address used by the fraudster was identical to that used by the client, except for one letter.
Protect yourself from liability.
Any time a payment of trust funds is imminent, assume that a hacker is also aware. Any client’s or lawyer’s email account can get hacked allowing a fraudster to perpetrate a social engineering fraud on the lawyer. Establish due diligence protocols for transferring funds and ensure all staff receive training and adhere to them.“
As we’ve warned in the past, we bring this to your attention for several reasons. First, and we do not want to scare you, but you should take appropriate steps to confirm, perhaps by phone, that emailed fund transfer instructions you receive from a client, especially if they seem odd or are significantly different from your original instructions, (which could include a wire transfer to a foreign country) are correct. Second, social engineering fraud is not part of the cyber coverage we offer in our policy. In the similar cases, coverage has been denied by a cyber insurer when the lawyer/firm did not have the social engineering rider on its commercial cyber policy. Third, depending on the facts, there may not be coverage for such a fraud under the professional liability part of your insurance policy either. Accordingly, a lawyer falling victim to such a fraud who lacks appropriate insurance coverage could be in the position of having to reimburse their trust account for the loss.
Where possible, use the Large Value Transfer System (LVTS), an electronic funds transfer system that allows large payments to be exchanged securely and immediately.
For tips to avoid being victimized, visit the Fraud section on lians.ca. To report or seek advice on dealing with fraud and scam attempts, contact Cynthia Nield at [email protected] or 902 423 1300, x346. | finance |
https://www.breakthroughmusicschool.com/info | 2023-12-05T15:36:11 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100551.2/warc/CC-MAIN-20231205140836-20231205170836-00446.warc.gz | 0.911156 | 670 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__204788194 | en | Music Lessons + Studio
ALL AGES • ALL SKILL LEVELS • ALL WELCOME
Music Lessons, Practices, Events, and Parties By Appointment
MONDAY-THURSDAY: 1:00 PM-8:00 PM
SATURDAY: BY APPOINTMENT
NEXT TO DINOSAUR EGG
$130 per month for weekly 30 minute lessons
Discounts are available for families with multiple students or multiple weekly lessons
$40 per half-hour lesson
$70 per hour lesson
PAYMENT POLICY: Tuition is paid by automatic payment on the fifth day of each month and may be canceled without penalty 14 days prior to end of student's final enrolled month. There is no long-term contract or enrollment fee.
24 HOURS NOTICE: 24 hours cancellation notice must be sent (call, email or text) to the studio manager for a make-up credit to be issued. For our scheduling purposes, we are going to be quite literal about this. Lessons canceled less than 24 hours in advance or simply missed will be counted as a credited lesson due to our reserving the time slot for your student and our instructor preparing accordingly for this lesson. This policy helps us create a quality time of instruction for your student by allowing us to plan ahead. There will be no exceptions.
SCHEDULING A MAKE-UP LESSON: If you have given 24 hours prior notice for your missed lesson, you can schedule a make up with your instructor anytime within his/her posted teaching hours.
MISSING A MAKE-UP LESSON: There are no "make-ups" for missed make up lessons.
CANCELLING MONTHLY LESSONS: If you cancel monthly lessons, you must complete your last paid contract to the end of that month. It is your choice if you would like to attend those remaining lessons.
FIFTH-WEEK LESSONS: Every student receives 48 lessons per year; that is one lesson every week except for 4 designated holiday weeks. Some months you will receive five lessons and other months you will receive four lessons depending on the day of the week that the month falls on. Both Fifth-Week Months (where you have five lessons in a month, instead of four) and Holidays are calculated into your monthly tuition. We calculate our holidays so that these fifth-week lessons make up for missed lessons due to holidays. For this reason, tuition stays the same each month, and you can expect weekly lessons with the exception of the holidays posted below.
HOLIDAYS: On some months, your lesson will fall on a holiday - like the Thursday of Thanksgiving. These holidays are factored into your tuition rate. Every student receives 48 lessons per year (an average of four per month). The months that you receive fifth-week lessons will make up for our holiday break. This is so that you are not charged extra on some months, and less on others. Simple! So, no make-ups will be needed for these lessons, and your tuition will still remain the same.
Spring Break // March 14-18
Summer // July 4 & 5
Thanksgiving // November 22 - 25
Winter Break // December 18 - January 1 | finance |
http://rubyplusafrica.blogspot.com/2015/12/mark-zuckerberg-becomes-daddy-plan-to.html | 2018-07-21T23:00:52 | s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676592861.86/warc/CC-MAIN-20180721223206-20180722003206-00251.warc.gz | 0.959052 | 391 | CC-MAIN-2018-30 | webtext-fineweb__CC-MAIN-2018-30__0__193085642 | en | Mark Zuckerberg Announces recently announced the birth of his baby girl on his website; Facebook. His wife Priscilla Chan has given birth to a baby girl and they have named her Max. In the spirit of love and joy Mark announced that he plans to give away 99% of his Facebook stock over the course of his life. That is a gift currently worth $45 billion.
The Facebook CEO Zuckerberg is currently the 7th richest person in the world, according to Forbes’ Real Time Billionaires ranking, with a net worth estimated at $46.8 billion.
Zuckerberg made his stock giveaway promise official in a filing with the Securities and Exchange Commission. The filing says:
“On December 1, 2015, our Founder, Chairman and CEO, Mark Zuckerberg, announced that, during his lifetime, he will gift or otherwise direct substantially all of his shares of Facebook stock, or the net after-tax proceeds from sales of such shares, to further the mission of advancing human potential and promoting equality by means of philanthropic, public advocacy, and other activities for the public good. For this purpose, Mr. Zuckerberg has established a new entity, the Chan Zuckerberg Initiative, LLC, and he will control the voting and disposition of any shares held by such entity. He has informed us that he plans to sell or gift no more than $1 billion of Facebook stock each year for the next three years and that he intends to retain his majority voting position in our stock for the foreseeable future.”
In a letter to their baby girl, Mark spells out the purpose of the Chan Zuckerberg Initiative will do:
“As you begin the next generation of the Chan Zuckerberg family, we also begin the Chan Zuckerberg Initiative to join people across the world to advance human potential and promote equality for all children in the next generation. Our initial areas of focus will be personalized learning, curing disease, connecting people and building strong communities.” | finance |
https://www.agharvest.org/donate | 2019-10-18T15:59:30 | s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570986684226.55/warc/CC-MAIN-20191018154409-20191018181909-00284.warc.gz | 0.947947 | 200 | CC-MAIN-2019-43 | webtext-fineweb__CC-MAIN-2019-43__0__215238180 | en | You can make a difference, and together we can impact our community and our world with the absolutely life-changing message of Jesus Christ.
Here at Harvest Church we believe in the biblical principal of bringing the first 10%(tithe) of your income into the storehouse(the church) talked about in Malachai 3:10. The Bible talks about the principal that it is much more blessed to give than to receive(Acts 20:35). We believe that every person that entrusts and commits their finances to God can, and will experience the kind of blessing described in Luke 6:38:
"Give, and you will receive. Your gift will return to you in full--pressed down, shaken together to make room for more, running over, and poured into your lap. The amount you give will determine the amount you get back."
When you give, you partner with God's church to advance the Kingdom of God in our community, and around the world! | finance |
https://www.4amolar.com/patient-info/payment-options/ | 2023-12-07T04:40:36 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100632.0/warc/CC-MAIN-20231207022257-20231207052257-00532.warc.gz | 0.95286 | 382 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__28496186 | en | When it comes to costs of any sort, none of us like surprises. Our policy is to tell you, in advance of any treatment, what your investment will be and make definite financial arrangements before we begin. The emphasis in our office is on providing the highest quality care at a fair fee.
After your initial examination, diagnosis and consultation, we will review with you our recommended treatment plan and its estimated cost. We will also offer alternatives and their costs.
Occasionally, we may modify the treatment plan and its estimated cost somewhat as therapy progresses. This happens only if additional treatment or changes become necessary. Usually, we will complete the specified procedures for the quoted fee. We only ask that you begin treatment within three months from the date of the presentation and complete treatment within a 12-month period so we may honor the quoted fee.
To make payment as convenient as possible, we offer several methods. Our office manager is available to discuss financial arrangements and help you select the method of payment that best meets your needs.
Our office is committed to helping you maximize your insurance benefits. Because insurance policies vary, we can only estimate your coverage in good faith but cannot guarantee coverage due to the complexities of insurance contracts. Your estimated patient portion must be paid at the time of service. As a service to our patients, we will bill insurance companies for services and allow them 45 days to render payment. After 60 days, you are responsible for entire balance, paid-in-full. If you have any questions, our courteous staff is always available to answer them.
CareCredit is a flexible patient/client payment program, specifically designed for healthcare expenses, that makes it easier for you to get the treatment or procedures you want and need. CareCredit is ideal for co-payments, deductibles, treatment and procedures not covered by insurance and can be used at over 35,000 practices nationwide. | finance |
http://kalibratetechnologies.applytojob.com/apply/job_20170614135204_P5DMK7GLUOYNJ9LR/Staff-Accountant?source=GS | 2017-06-24T08:33:34 | s3://commoncrawl/crawl-data/CC-MAIN-2017-26/segments/1498128320243.11/warc/CC-MAIN-20170624082900-20170624102900-00136.warc.gz | 0.910166 | 371 | CC-MAIN-2017-26 | webtext-fineweb__CC-MAIN-2017-26__0__70131470 | en | JOB TITLE: Staff Accountant
EXEMPT Y/N (US Positions only): NO
SUPERVISOR: Director of Accounting
The Staff Accountant is responsible for assisting the Senior Staff Accountant with the daily operations of the Finance Function in the US.
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following.
- Coordinate setup and communication of project numbers for executed contracts
- Coordinate billing and collection process for US operations (ensure communication with Sales team)
- Pay invoices by verifying transaction information; scheduling and preparing disbursements; obtaining authorization of payment
- Record activity related to items #2 and #3 in the SAP Business One accounting system
- Record activity related to monthly accruals
- Respond to all customer and vendor inquiries
- Assist Senior Staff Accountant with cash forecasting
- Ensure documentation of accounting procedures are maintained
- Maintain effective business relationships with accounting and finance departments and outside business departments.
- Special projects as assigned
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- Experience with SAP accounting is preferred but not essential
- Requires a minimum of 3-8 years’ experience in a finance role
- Extremely detail oriented
- The ability to work well independently as well as part of the team is essential
- Excellent time management skills are essential
- Proven ability of meeting all required deadlines
- Experience in a multi-country environment is desirable but not essential
- Communication with international regional office personnel during non-business hours as required
Kalibrate is an Equal Opportunity Employer | finance |
http://www.crbchecks4u.co.uk/prices.html | 2015-10-07T15:39:39 | s3://commoncrawl/crawl-data/CC-MAIN-2015-40/segments/1443737867468.81/warc/CC-MAIN-20151001221747-00127-ip-10-137-6-227.ec2.internal.warc.gz | 0.895177 | 235 | CC-MAIN-2015-40 | webtext-fineweb__CC-MAIN-2015-40__0__64372818 | en | CRB CHECK PRICES:
We currently work with many companies throughout England providing CRB Disclosures for people working with children or vulnerable adults. The following prices apply for the services currently offered by CRBCheck4u.
|Item:||CRB fee (£)|
|Any Voluntary Position||0.00|
|ISA Adult First Check||6.00|
|CRB Check||10.99 per disclosure|
|ISA Adult First Check||1.99 per disclosure|
All prices are exclusive of VAT and will be charged at the prevailing rate.
Please Note: If an application is incomplete or information is missing and the CRB Check requires re-submission to you or your applicant for further information or evidence then an additional administration charge will apply at a rate of £5.99 plus VAT at the prevailing rate per disclosure. To avoid this, please complete the form carefully and complete the additional form we send to you as well as the CRB Disclosure Application. Please include ALL information requested.
We will only process checks once payment is received.
We accept the following types of payment:
- Postal Order | finance |
https://www.thefairplayfoundation.org/post/gotb-receive-funding-to-start-women-and-girls-football | 2024-04-13T19:39:19 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816832.57/warc/CC-MAIN-20240413180040-20240413210040-00507.warc.gz | 0.965639 | 115 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__26069349 | en | We are delighted to announce we have been successful in an application for funding from the Barclays Community Football Fund, being delivered in partnership with sported, to start football sessions for women and girls.
It has always been the plan for the organisation to become a club for all and offer provision for all to play football. This funding allows us to begin that process for women and girls in Glasgow.
If you're interested in getting involved, please visit our Women and Girls football page and leave an expression of interest. We will be in touch with further details in the near future. | finance |
https://www.monoclewestu.com/use-hsa-fsa-funds/ | 2024-02-23T05:51:36 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474361.75/warc/CC-MAIN-20240223053503-20240223083503-00495.warc.gz | 0.957578 | 708 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__17443210 | en | There’s a good chance you have money tucked away in a Health Savings Account (HSA) or Flexible Spending Account (FSA) as part of your family’s benefits package.
There are many differences between HSAs and FSAs, but both help you save for eligible medical expenses, from childbirth to braces and many things in between.
But did you know that some of these funds could be lost if they remain unused before the end of the year?
Here’s the scoop on what happens to your unused funds and how you can make the most of them with premium eye care from the Monocle team.
What happens to unused HSA/FSA funds?
This is where one of the big differences between these two accounts comes into play.
If you have an HSA, unused contributions are rolled into the next year, meaning you don’t need to hurry to spend the money before the clock strikes midnight on January 1st.
With an FSA, it’s more of a “use it or lose it” situation. At the end of the year, unused contributions are no longer available and you start from scratch in January.
This is tax-exempt money that’s being pulled from your paycheck each month or that you’re taking directly out of your pocket to offset the cost of medical expenses. So don’t let it go to waste!
Can I use my funds on eye care?
Yes! For many of us, the fourth quarter of the year rolls around before we realize these funds are sitting in our account, waiting to be spent on qualified medical expenses.
But the final few months of the year are often the busiest for medical professionals for this exact reason. Everyone wants to take full advantage of their benefits before the year ends.
That’s why we recommend you keep up to date with your eye care throughout the year. Plus, who wants to head to the doctor amidst the holiday season hustle and bustle? We think we’re pretty great over here at Monocle, but your plate is full as you prep for the new year. So give yourself the gift of a check-up-free holiday season and come in sooner!
What are the eligible eye care expenses with an HSA/FSA?
What are the benefits of using my HSA or FSA funds on eye care?
First and foremost, these are tax-exempt contributions that are available for use on qualifying medical expenses.
When your health insurance doesn’t cover the cost of a medical expense, you can use your funds to offset direct, out-of-pocket costs that might incur.
While many eye care costs are covered by insurance, not all of them are. This makes taking care of your vision the perfect way to make sure your health benefits never go to waste.
Save on premium eye care with your HSA or FSA.
Our eyes are not to be taken for granted. Put your funds to good use and schedule an appointment for your next (or first!) eye exam.
The Monocle Premier Eye Care team offers years of experience and a true commitment to providing you with excellent care.
Your satisfaction is our top priority. We take as much time as is necessary to have conversations about the health of your eyes, your vision, and anything else with a focus on optimizing your well-being.
Click here to schedule your eye exam. | finance |
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