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https://cmm-strategies.com/category/business-unusual/ | 2020-07-07T15:00:56 | s3://commoncrawl/crawl-data/CC-MAIN-2020-29/segments/1593655893487.8/warc/CC-MAIN-20200707142557-20200707172557-00171.warc.gz | 0.927105 | 802 | CC-MAIN-2020-29 | webtext-fineweb__CC-MAIN-2020-29__0__171953026 | en | Restrictions may slowly be easing, but our new world is anything but business as usual. Join business leaders Joe Campolo and Peter Klein for a weekly webinar where they share critical insights on the state of the Long Island business community and provide a macro perspective to help mitigate the economic fallout and move forward productively.
Each episode features commentary on business, finance and more. After a discussion about that week’s updates, Joe and Peter welcome guests from various sectors including accounting, legal, manufacturing, finance, and nonprofits, as well as elected officials, to discuss in-depth challenges we are all facing in the new world. With the world changing daily, remaining in-the-know is key to making decisions that impact the future of your business. Hear directly from the business leaders plugged into the latest changes and gain a critical perspective to guide your decision-making.
Visit cmmllp.com to register for upcoming episodes.
June 30, 2020 – Episode 7 of Business Unusual Weekly Recovery Webinar with business leaders Joe Campolo and Peter Klein and guest John Corrado, President of Suffolk Transportation Service, Inc. The discussion focused on how the sector is reopening, what the future looks like for riders, and the technology that can keep transportation moving forward […]
June 23, 2020 – Episode 6 of Business Unusual Weekly Recovery Webinar with business leaders Joe Campolo and Peter Klein and guests John Miller, President & CEO of Guide Dog Foundation and America’s VetDogs, and Terri Alessi-Miceli, President & CEO of HIA-LI. The discussion focused on the critical role that 501(c)(6) business organizations will have in […]
June 16, 2020 – Episode 5 of Business Unusual Weekly Recovery Webinar with business leaders Joe Campolo and Peter Klein and guest Rich Humann, President & CEO of H2M architects + engineers. The discussion focused on how stimulus dollars are being used, whether infrastructure spending can fill tax voids in the middle of a pandemic, […]
June 9, 2020 – Episode 4 of Business Unusual Weekly Recovery Webinar with guest Jim Coughlan, Principal and Co-Founder of TRITEC Real Estate Company. This episode focused on the real estate development sector – a key piece of Long Island’s previously booming economy. Now that the COVID pandemic has changed how we work, live, and […]
June 2, 2020 – Episode 3 of Business Unusual Weekly Recovery Webinar with business leaders Joe Campolo and Peter Klein and guest Joe Camberato, President of National Business Capital & Services. The discussion focused on creatively stretching your dollars and how to pivot your financial practices to a more sustainable path. Subscribe to our playlist […]
May 26, 2020 – Episode 2 of Business Unusual Weekly Recovery Webinar with guest Kevin O’Connor, President & CEO of BNB Bank. This discussion focused on long-term strategies for businesses to survive in our new world. While the Paycheck Protection Program (PPP) remains the hot topic of the moment, it’s merely a stopgap. We need […]
This first episode included an in-depth discussion of the impact COVID-19 is having on the local and national economy and how businesses should be preparing to reopen, especially in light of the challenges that PPP and enhanced unemployment are causing in the workforce. Subscribe to our playlist to be the first notified of the latest […]
Privacy & Cookies Policy
Necessary cookies are absolutely essential for the website to function properly. This category only includes cookies that ensures basic functionalities and security features of the website. These cookies do not store any personal information.
Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. It is mandatory to procure user consent prior to running these cookies on your website. | finance |
https://www.vssw.de/en/apply/ | 2022-07-05T15:55:04 | s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656104585887.84/warc/CC-MAIN-20220705144321-20220705174321-00095.warc.gz | 0.926318 | 343 | CC-MAIN-2022-27 | webtext-fineweb__CC-MAIN-2022-27__0__110046274 | en | How can I apply for a place in a dormitory?
You can apply for a place in one of our 7 dormitories on our homepage. You can only apply online. For our other dormitories, you can apply at the Studierendenwerk Stuttgart.
How do you increase your chances of getting a place in a dormitory?
Apply early – preferably at least half a year in advance.
Can I view the room beforehand?
Room viewings are not possible.
How long is the rental period?
The minimum rental period is 6 months and the maximum rental period is 36 months.
In special cases, the rental period can be extended. E.g. as compensation for committed students in the tutorial of the dormitory or the student council.
Can I apply even if I do not yet have a letter of admission or certificate of study?
You can submit your application online even if you do not have a letter of admission or a certificate of study. Send us the letter of admission or the certificate of study as soon as you receive it.
Do I have to pay a deposit?
Before moving in, you must pay the deposit, the amount of which is specified in the renatal agreement, or upload the SEPA mandate. Only on presentation of proof that you have paid the deposit will you receive the keys from the caretaker in charge.
How and when do I have to pay the rent?
The rent is debited by SEPA mandate, at the latest on the 3rd working day of a month, from an account named by the tenant. Direct debits are only possible from an account at a German bank. | finance |
http://www.thecatpeople.org/blog/2013/04/21/build-a-bear-workshop-bear-hugs-foundation | 2019-08-24T04:36:40 | s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027319724.97/warc/CC-MAIN-20190824041053-20190824063053-00442.warc.gz | 0.93992 | 267 | CC-MAIN-2019-35 | webtext-fineweb__CC-MAIN-2019-35__0__163745564 | en | The Cat People’s SPAY TODAY! Program has gotten a big shot in the arm from the Build-A-Bear Workshop Bear Hugs Foundation. The BABW Bear Hugs Foundation believes in helping domestic pets by providing, financial support through their grant program for animal welfare, pet rescue, rehabilitation, and therapeutic pet programs. The grants are to be used to prevent pet overpopulation, provide food and medical expenses for animals, and other needs required by pets.
The grants are funded through the sale of their Bearemy's Kennel Pals®. One dollar from the sale of each plush animal in this line is donated through the Build-A-Bear Workshop Bear Hugs Foundation to qualified non-profit(c)(3) organizations working with or on behalf of domestic pets throughout the United States and Canada.
The Cat People organization is extremely grateful to the Foundation for this assistance. Our SPAY TODAY! Program is more than 20 years old, and each month receives many more requests than we can grant. Receiving this infusion of funds will mean that we can immediately provide assistance to financially strapped pet owners wishing to alter their cat. People in need of assistance getting their cat altered can call us at (661) 327-4706, and we will provide assistance while funding from this program lasts. | finance |
https://www.plumtherapyandwellness.com/fees | 2023-12-01T02:30:09 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100264.9/warc/CC-MAIN-20231201021234-20231201051234-00587.warc.gz | 0.952428 | 318 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__129497435 | en | I understand that the cost of therapy can be a concern for many individuals, so it's important to me to be transparent about my fees. Individual therapy sessions are $145 for approximately 45-50 minutes. By attending therapy, you are taking an active step towards improving your life and well-being. Therapy is an investment in yourself, and you deserve to get compassionate, quality mental health care.
I am not in-network with any insurances. I have made the decision to not contract with insurance companies for several reasons. First, insurance companies often dictate the type of therapy and the number of sessions covered for a client. This can be disruptive to the therapeutic process, lead to early termination, and limit a client's ability to receive the treatment they need. In addition, insurance companies require the disclosure of confidential information and a diagnosis to be kept on file. By not taking insurance, I am able to keep your personal information private and provide more personalized, effective care to my clients.
Out of Network Insurance Reimbursement
As I am not contracted with any insurance companies, I am considered an out-of-network provider. If you have out-of-network mental health benefits, you can request a medical receipt to apply for potential out-of-network reimbursement through your insurance. I cannot guarantee reimbursement, so please check with your insurance company before beginning services to see if and what you qualify for based on your individual plan. Session fees are still due at the time of service, and applying for potential out-of-network reimbursement is the responsibility of the clients. | finance |
https://www.farmfutures.com/story-weekly-wheat-review-0-30768 | 2018-08-18T12:37:35 | s3://commoncrawl/crawl-data/CC-MAIN-2018-34/segments/1534221213666.61/warc/CC-MAIN-20180818114957-20180818134957-00523.warc.gz | 0.945031 | 706 | CC-MAIN-2018-34 | webtext-fineweb__CC-MAIN-2018-34__0__67181333 | en | For years the wheat market stagnated waiting for a single trigger: A sharp reduction in global production. That worldwide event finally occurred this year, lifting prices to four-year highs.
Wheat is a market that likes to trend once it gets going. Bottoms typically occur around five years apart. Rallies eat up the first three years of the cycle, with down markets taking up the next two.
At least that’s the Cliff’s Notes version of wheat marketing. The last cycle took nearly seven years to con-firm. Fallout from the financial collapse a decade ago soured investors on commodities. And while U.S. acreage dwindled, other producers gained market share, namely Russia and its former Soviet Union satellites. Good weather and improving technology boosted their yields twice as fast as those in the U.S.
That streak ended this year in the Black Sea region. Yields and acres both declined, part of a pattern seen across the result of Europe too. Now, a brewing El Nino warming of the equatorial Pacific threatens to slash Australian production by a third.
If wheat returns to its old cycle, prices might be expected to rally into 2019. Dry conditions for seeding next year’s winter wheat crop extend from the southwest Plains to France, though Ukraine and Russia are starting to trend wetter. Production in Argentina should rebound, with good moisture as seeding ends.
A return to normal production will be needed to keep inventories from dropping further. The stocks-to-use ratio among major exports could drop to its lowest level ever by the summer of 2019.
But higher prices should lure more acres into production too. Futures are starting to show signs of fatigue, and that’s especially a warning sign for soft red winter wheat, which tends to top first in bullish years. Hard wheat contracts can extend rallies into September if conditions for seeding are a concern. Storms over the next week could help ease some of those concerns.
As a result, it’s time to get more aggressive pricing 2018 inventory after a $2 rally. Deferred futures are moving into my projected selling ranges. Winter wheat carries are rising again, not a bullish sign, but provide opportunity for good storage hedges for those with on farm storage and year-round markets. Also get started price 2019 winter wheat production.
USDA’s Aug. 10 report could lower the size of the U.S. crop, but this rally is about what’s happening around the world.
Download a complete version of the outlook with extensive charts and analysis using the Download button at the end of this report.
More from Farm Futures:
Senior Editor Bryce Knorr first joined Farm Futures Magazine in 1987. In addition to analyzing and writing about the commodity markets, he is a former futures introducing broker and is a registered Commodity Trading Adviser. He conducts Farm Futures exclusive surveys on acreage, production and management issues and is one of the analysts regularly contracted by business wire services before major USDA crop reports. Besides the Morning Market Review on www.FarmFutures.com he writes weekly reviews for corn, soybeans, and wheat futures that include selling price targets, charts and seasonal trends. His other weekly reviews on basis, energy, fertilizer and financial markets and feature price forecasts for key crop inputs. A journalist with 38 years of experience, he received the Master Writers Award from the American Agricultural Editors Association. | finance |
https://shop.bandai.com/payments | 2024-04-16T11:14:17 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817081.52/warc/CC-MAIN-20240416093441-20240416123441-00440.warc.gz | 0.948986 | 615 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__115125467 | en | Bandai Namco Toys and Collectibles America, LLC. (BNTCA) accepts the following payment methods:
- American Express
Most pre-paid credit and gift cards from Visa, MasterCard, American Express, and Discover are also accepted.
Payment is due at the time of order.
Every payment goes through a rigorous verification process to detect potential fraud. As one of our verification steps we may authorize your card for a small amount and ask you to verify the amount before we accept payment. This authorization is not a charge, but the bank may hold the authorized funds as unavailable until the authorization expires.
Resolving a Declined Payment
During the payment verification process we may decline your payment and ask you to resubmit your billing information and card details so it matches what your credit card company has on file. In some situations, we may just ask you to use a different form of payment. At this point no transaction has been attempted on your credit card.
Once your payment has passed the verification process, we will attempt to charge your credit card. If the sale is declined, you may need to contact your credit card company or bank to resolve the problem. The most common reasons for a declined payment are:
- Credit card company needs authorization prior to completing the transaction.
- You have reached the daily withdrawal or purchase limit.
- There are not enough funds in the account.
- Your credit limit has been exceeded.
Once you have determined the problem, log into "My Account" on shop.BNTCAbrands.com and resubmit your payment details so we can process your order.
Credit Card Security
We work diligently to protect your data and keep it confidential. To ensure the utmost security, our servers never store or transmit any credit card data. When you enter a credit card on our website, it is encrypted and sent directly from your browser to our payment processor, who then sends us a token which we reference for future transactions. The token is meaningless to any outside party. We partner with a large, well-respected payment processor which is fully PCI compliant. At no time does any employee of BNTCA have access to your full credit card details. Details we do store, such as the credit card last 4 digits, are encrypted and protected with industry standards.
Unknown Credit Card Charges
If you don't recognize a charge from BNTCA on your credit card account there may be several reasons:
- We may have performed an authorization for a small amount as part of our payment verification process. This authorization will expire and no money is removed from your account.
- An order was placed by a family member, friend, or co-worker with access to your credit card.
- Additional cards are associated with the credit or debit account.
If you have any questions please contact us first, rather than filing a chargeback with your credit card company. | finance |
https://evolutionlifejeans.com.br/2021/05/18/what-exactly-is-the-national-government-of-canada-6/ | 2021-06-25T04:03:53 | s3://commoncrawl/crawl-data/CC-MAIN-2021-25/segments/1623488567696.99/warc/CC-MAIN-20210625023840-20210625053840-00032.warc.gz | 0.958378 | 849 | CC-MAIN-2021-25 | webtext-fineweb__CC-MAIN-2021-25__0__190072142 | en | The federal government of Canada is following through to greatly help Canadians handle their finances in this period that is exceptional. Find out more about new measures into the Economic Response Arrange.
Numerous workers are unemployed as a result of shortage of work as a result of shut or reduced operations because of COVID-19. If that can be your case and also you be eligible for Employment Insurance advantages ( ag EWe https://personalbadcreditloans.net/payday-loans-or/ ), it is possible to make an application for EI .
Canada Recovery Benefit (CRB )
You’re qualified if:
- you’ve stopped working and so are maybe not entitled to EI due to COVID-19
- had your employment/self-employment earnings paid down by 50% due to COVID-19
Canada Healing Caregiving Benefit (CRCB )
You’re qualified if:
- You must care for a young kid under the chronilogical age of 12 or a member of family because schools, daycares or care facilities are closed due to COVID-19
- you have got a ill kid or household member and/or required to quarantine or reaches threat of severe wellness problems as a result of COVID-19
Canada Recovery Sickness Benefit (CRSB )
You’re eligible if you’re unable for at the least 50% regarding the because you week:
- are unwell or need to self-isolate due to COVID-19
- have an underlying that sets them at greater chance of having COVID-19
The Canada Child Benefit (CCB) is risen to an additional $300 per kid. This benefit will likely to be delivered included in the scheduled payment in might. People who currently get the advantage don’t have to re-apply.
Effective March 30, 2020, all education loan borrowers will immediately have their repayments suspended until 30, 2020 september. With this time, you won’t need to make any repayments and interest will maybe maybe not accrue. You don’t need to use for the pause on payment.
These can add costs for:
- inadequate funds (NSF)
- end repayments
- Interac e-transfers
- month-to-month deal plans
Contact your economic organization to get more details.
In this uncertain duration, stay away from borrowing additional money whenever possible. Studies have shown those who frequently utilize credit to fund day-to-day costs since they will have run in short supply of money have actually reduced amounts of economic wellbeing.
In the event that you must borrow cash, be sure you comprehend the price of various credit items before you make a choice, and borrow just things you need.
Specific credit items are more costly because of the high interest levels and costs. for instance, a cash advance should end up being your absolute final resort, because they usually carry high costs.
you compare all borrowing options and their costs, interest rates and payment terms before selecting a credit item. Otherwise, contracting brand new credit that is expensive could create more monetary problems for you personally in the foreseeable future.
ends that are making, talk to reputable sources to explore the economic options available for your requirements. You can easily contact a financial expert, such as for example an authorized advisor that is financial an accredited credit counsellor, an idea. They are licensed if you choose a financial advisor, make sure.
Be aware when trying to find the professional that is right can help you. Some organizations providing to settle repair or debt credit are misleading customers.
Having a budget is key, specially when an urgent situation does occur. To be able to handle your financial allowance, you will need to recognize and costs. It is versus your wants throughout a period that is specific.
The Budget Planner can be an tool that is interactive provides guidelines, recommendations, instructions and alerts. It will also help you figure out you could cut expenses whether you have the funds to meet your ongoing financial commitments and where. | finance |
http://nouveaunative.blogspot.com/2007/02/understanding-security-deposits.html | 2017-04-23T15:40:13 | s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917118713.1/warc/CC-MAIN-20170423031158-00273-ip-10-145-167-34.ec2.internal.warc.gz | 0.953152 | 658 | CC-MAIN-2017-17 | webtext-fineweb__CC-MAIN-2017-17__0__105389234 | en | Almost all landlords require that tenant’s provide them with a security deposit. As the name suggests, the security deposit is money that the tenant deposits with the landlord for their financial security. If you damage the property, leave without paying rent, etc, the security deposit provides the landlord with a way to become “financially whole” again. Generally, the security deposit is equal to one month’s rent. However, unless the property is a rent stabilized unit (in which case the deposit can NOT be more than one month’s rent), the deposit amount can be set by the owner.
In New York, there are very strict rules as to the usage of the security deposit.
- A landlord must return the security deposit at the end of the lease or within a reasonable time thereafter. Generally a “reasonable time” is considered to be 30 to 60 days. This provides the landlord with enough time to assess any damage and to have repair work completed. It is important that you attend the end of tenancy inspection. This insures that you and your landlord are aware of any repairs and any disputes can be addressed immediately.
- A landlord may retain a potion of the security deposit or all of the deposit in the event that the apartment is damaged and repairs beyond normal wear and tear must be made or to cover unpaid rent. However, the costs must be considered “reasonable.”
- A tenant can not use the deposit as the final month of rent. While this may be more convenient for the tenant, it robs the landlord of the ability the cover damages.
New York also has strict rules as to the maintenance of the deposit money.
- A landlord must treat the deposit money as “funds in trust.” That means that the landlord can’t treat the deposit as their money and can’t co-mingle their money with that of the tenant.
- If the landlord owns six or more apartments, the security deposit must be held in a New York bank that pays the prevailing interest rate. A tenant must be informed in writing as to the name and location of the bank and must receive the interest (less an allowed 1% administration fee that the landlord may retain). A tenant has the right to determine if they wish to have the interest paid annually, paid at the end of the lease term, or applied to the rent.
Using your security to your advantage
Offering an increased security deposit is a great way to counter bad credit or lack of citizenship. This gives the landlord the added security of knowing that an otherwise “bad risk” is offset to a greater degree. You should remember however, that an increased security deposit is not the same as pre-paid rent. The security deposit is held in account until the end of the lease period and can’t be accessed by the tenant. If the money that you are offering is money that you need to live, ask to pre-pay the rent instead.
If at the end of your lease, you agree to renew and the lease amount is higher, you will generally be responsible for proving additional security money’s to equal the entire month rent.
originally posted February 24, 2007 | finance |
https://first-trader-go.lp-oinvest.co.za/pages/risk.html | 2021-04-16T23:24:49 | s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618038092961.47/warc/CC-MAIN-20210416221552-20210417011552-00378.warc.gz | 0.944272 | 2,289 | CC-MAIN-2021-17 | webtext-fineweb__CC-MAIN-2021-17__0__53290567 | en | 1.1. Basfour 3773 (Pty) Ltd (“the Company”) operating under the trade name OINVEST, is an authorised Financial Service Provider (“FSP”), licensed by the Financial Sector Conduct Authority (“FSCA”) in South Africa, with FSP No. 42020 and registration number 2010/002719/07.
1.2. The Company’s relationship with its clients will involve entering into over-the-counter (“OTC”) contracts for differences (“CFDs”) with them.
1.3. As per the terms of General Code of Conduct for Authorised Financial Services Providers and Representatives, 2008 as amended from time to time (“the Code”), the Company is required as an FSP, at the earliest reasonable opportunity, to provide, where applicable, full and appropriate information of any material investment or other risks associated with the Company’s products (“CFDs”), including any risk of loss of any capital amount(s) invested due to market fluctuations.
1.4. This notice aims to communicate the inherent risks associated with trading CFDs on the Company’s Online Trading Platform (“the Platform”).
1.5. The Company cannot disclose all potential risks associated with trading CFDs, thus the Company suggests that clients consult professional advisors regarding legal, regulatory, credit, tax or accounting elements to consider, that may apply to CFDs.
1.6. Before entering into this relationship with the Company, clients acknowledge, understand and agree to the risks involved in this Risk Disclosure.
1.7. If at any time clients have any queries or questions relating to this Risk Disclosure Notice, they shall contact the Company at [email protected] Clients are strongly advised to do so before engaging into trading CFDs.
2.1. Trading CFDs is very speculative, risky, and it involves a significant risk of loss.
2.2. Clients should not invest retirement funds in CFDs.
2.3. CFD Trading is not suitable for all investors. Suitable investors are persons who:
2.3.1. understand and are willing to assume the economic, legal and other risks involved in this trading;
2.3.2. are experienced and knowledgeable about trading in derivatives and in underlying asset types; and
2.3.3. are financially able to afford significant losses that are greater than the margin or the initial deposit.
2.3.4. CFD are some of the riskiest types of investments and can result in large losses. These investments are technical and involve lingo that clients need to understand.
2.3.5. Clients should contact the Company on the details available on its webpage in case they require help understanding any related terms, but they should also seize professional advice and help before investing.
2.3.6. Clients represent, warrant and agree that:
18.104.22.168. They understand these risks;
22.214.171.124. They are willing and able to assume the risks of trading CFDs;
126.96.36.199. They are able to afford the risks financially; and
188.8.131.52. that the loss of their entire account balance will not change their lifestyle.
3.1 Being long in CFD means a client buys the CFDs on the market by speculating that the market price of the underlying asset will rise between the time of the purchase and sale.
3.2 As the owner of a long position, clients will generally make a profit if the market price of the underlying asset rises while their CFD long position is open. Clients will generally suffer a loss, if the market price of the underlying asset falls while their CFD long position is open.
3.3 Clients’ potential loss may therefore be bigger than the initial margin they have deposited. In addition, they might suffer a loss due to the closing of their position if they do not have enough liquidity for the margin on their account in order to maintain their position open.
4.1. Being short in CFD means clients are selling the CFDs on the market by speculating that the market price of the underlying asset will fall between the time of the purchase and sale.
4.2. As the owner of a short position, clients will generally make a profit if the market price of the underlying asset falls whilst their CFD short position is open. Clients will generally suffer a loss if the market price of the underlying asset rises whilst their CFD short position is open.
4.3. Clients’ potential loss may therefore be bigger than the initial margin deposited. In addition, clients might suffer a loss due to the closing of their position, if they do not have enough liquidity for the margin on their account in order to maintain their position open.
5.1. There are specific market conditions, under which a CFD is difficult ot impossible to close-out. This could be for example a result of a suspension or a restriction of trading on the underlying asset of the CFD at times of rapid price movement.
5.2. In case there is no liquidity in the underlying asset of a CFD, clients may not be able to trade that CFD.
5.3. There are circumstances where a client may place a “Stop order” and their losses will still not be limited to the destined amount, as market conditions may make it impossible to execute the stop order ar the stop level specified in the CFD.
6.1. The high degree of “gearing” or “leverage” is a particular feature of CFDs.
6.2. The effect of leverage makes investing in CFDs riskier than investing in the underlying asset. This is because of the margining system that applies to CFDs. This margining system involves a small deposit that is relative to the size of the transaction. It means that a small price movement in the underlying asset can have a disproportionately dramatic effect on clients’ trades.
6.3. This can be both advantageous and disadvantageous. A small price movement in a client’s favor can provide a high return on the deposit, however, a small price movement against the client, may result in significant losses.
6.4. These losses can occur quickly. The greater the leverage, the greater the risk. The size of leverage therefore contributes towards the result of the investment.
10.1. When trading CFDs with the Company, these transactions will not be performed on a recognized or designated investment exchange. These are known as OTC transactions.
10.2. Because of this, all positions entered into with the Company must be closed with the Company. Clients’ positions cannot be closed with any other entity.
10.3. OTC transactions may involve greater risk than investing in contacts that are on an exchange, because there is no exchange market to close out an open position.
10.4. It may be impossible to liquidate an existing position, to assess the value of the position or to assess the risk exposure.
10.5. Based on best execution policies applicable to the market, the Company will not quote bid prices and ask prices.
10.6. The Company does not have a central clearing system. It further does not provide any guarantee, and no other party guarantees, its payment obligations to clients. This means clients are exposed to their credit risk.
10.7. Prices, margins and valuations may be different from prices reported elsewhere The performance of clients’ CFDs will depend on the prices the Company sets and the market fluctuations in the underlying asset that is the subject of clients’ contract. Each underlying asset carries specific risks that affect the result of clients’ CFDs.
10.8. The Company calculates its prices by looking at the price of the underlying asset. It gets these prices from third party sources or exchanges. For its CFDs it obtains price data from wholesale market participants.
10.9. Although the Company expects that these prices will be related to prices available on the market, its prices may be different to prices available to banks and other market participants.
10.10. The Company has a wide discretion in setting and collecting margin. It isauthorized to convert funds in clients’ accounts for margin. This also involves converting clients’ funds into foreign currency at a rate of exchange that the Companys alone determines. The Company’s rate of exchange is based on the current market rates.
13.1. The Company’s Online Trading System immediately transmits clients’ execution orders once clients enter the speculated amount and click “Buy/Sell.”
13.2. This means that clients do not have an opportunity to review the order after clicking “Buy/Sell”. This also means that Market Orders cannot be cancelled or modified.
13.3. Clients should therefore use the Company’s Demo Trading System to learn about how the Online Trading System works, before they actually trade online with the Company.
13.4. Clients acknowledge and agree that by using the Company’s Online Trading System, they agree to its one-click system. Clients further acknowledge and agree to accept the risk of this immediate transmission/execution feature.
14.1. If clients execute Market Orders over the telephone using he Company’s Trading Desk, these order will be completed when the Company’s telephone operator says “deal” or “done”. When this is completed, clients would have bought or sold, and they cannot cancel the Market Order.
14.2. By placing Market Orders through the Trading Desk, clients acknowledge and agree to this immediate execution. They acknowledge and agree to accept the risk of this immediate execution feature.
15.1. When the Company provides general market recommendations, these recommendations are not in any way a personal recommendation or investment advice. The Company does not consider any of the clients personal circumstances or their investment objectives when it makes their market recommendations.
15.2. When the Company makes its market recommendations, it agrees that it is not an offer to buy or sell, or a solicitation of an offer to buy or sell.
15.3. The clients acknowledge and agree that every time they decide to enter into a CFD with the Company, and each time that they decide that a transaction is appropriate for them, it is an independent decision made by then.
15.4. If clients incur any liabilities, claims, damages, costs and expenses (including attorneys’ fees) when they follow or take any action based on any of the Company’s trading recommendations, they agree that the Company will not be liable or responsible to them. The clients acknowledge and agree that the Company does not act as an advisor to them nor it is a fiduciary to them. Clients agree that the Company has no fiduciary duty towards them. | finance |
http://www.dotcu.org.uk/membership/businessmembership.html | 2017-10-21T22:56:45 | s3://commoncrawl/crawl-data/CC-MAIN-2017-43/segments/1508187824899.75/warc/CC-MAIN-20171021224608-20171022004608-00334.warc.gz | 0.924155 | 678 | CC-MAIN-2017-43 | webtext-fineweb__CC-MAIN-2017-43__0__93628224 | en | Available to UK Businesses of all shapes and sizes including Social Enterprises, Charities, Voluntary Groups, Community Groups, Church Groups and others.
Join now and start benefiting immediately. View Business Benefits.
How to Join
- Click on the image below and complete the Application Form online
Unable to Join online?
- Please contact us and request a Business Application.
- Call 01202 611 367 or email [email protected]
- The Membership Team will send an Application Form to you.
- Complete and return the Application Form to the Membership Team for review.
- Business checks and additional information may be requested during the review process if deemed necessary.
- On acceptance the Business will be invoiced £90 + vat (*£50 + vat for concessions).
- On payment of the invoice the business will be notified of their Membership Number and their Membership pack will be sent to them.
Helping you, your business and your staff
- Benefits are only available to Members
- You will be asked your Membership details whenever you apply for any benefit.
- Individuals can not access benefits using a Business Membership ID nor visa versa.
- Individuals should join to get their own Membership ID
- For Maximum benefit -
Business Members can set up their own "Employee Benefits Scheme" for all their Staff.
Helping your Community
- Provide extra value - Join the Community Network
- Become a "Community Benefits Organisation" (CBO) and proud supporter of DotComUnity.
- Help promote Membership and Benefits to everyone in your Community
- Help to generate additional income to support local projects
- Help DotComUnity continue to support the vulnerable and all those with disabilities
- Find out more:
Click the "Apply" button opposite or go to "Community Network"
More about our Business Membership
Concessionary Business Membership
The Annual cost of Concessionary Business Membership is £50.00 + VAT.
Concessionary Business Membership is available to:
- Voluntary Organisations
- Social Enterprises / CICs
The Membership Team reserve the right to request any additional information they deem necessary to support your application at anytime prior to approval.
Once your Business application has been reviewed and accepted by The Membership Team you will receive a Welcome email with your Business Membership Number, Secure (GOLD) Members Area Log In details (which will have been generated internally by the Membership Team) and your Invoice detailing all associated business membership costs.
Your posted Membership Pack will be dispatched once your first years Membership Fee has been received – and will include your DotComUnity Membership Card.
25% of the membership fee helps to directly support DotComUnity's social purpose.
You will also receive regular member communications, keeping you up to date with new developments, benefits and rewards.
Terms and Conditions
All Business Applications are subject to Membership terms and conditions. Business Applications will be reviewed by the Membership Team to confirm the legitimacy of the application before deciding whether the application will be approved.
Business Membership can be declined without explanation or recourse should we feel it is necessary to do so and can be withdrawn should a member bring the "Brand" or any part of the business, including DotComUnity, into disrepute.
View all DotComUnity Terms and Conditions | finance |
https://www.friendsofgoodnow.org/latest-news/the-friends-of-the-goodnow-library-awarded-15000-from-middlesex-savings-bank | 2022-12-05T22:26:18 | s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446711045.18/warc/CC-MAIN-20221205200634-20221205230634-00596.warc.gz | 0.933315 | 275 | CC-MAIN-2022-49 | webtext-fineweb__CC-MAIN-2022-49__0__272664983 | en | On Thursday, January 24, 2019, The Friends of the Goodnow Library received a $15,000 grant from the Middlesex Savings Bank. Alice Levine, president of the Friends and Susan Pettit, vice president, accepted the gift on behalf of the organization at a reception held at Middlesex Savings Bank headquarters in Westborough, MA. This grant will be used to expand the Friends annual support of programming and resources not included in the annual town budget for the Goodnow Library in Sudbury.
“Local libraries play a major role in making our communities the special places they are, said Mike McAuliffe, president and CEO of Middlesex Savings Bank. “They provide important resources that residents of all ages can utilize and enjoy. We are pleased to be making this gift to support all that they do.”
The $15,000 gift to The Friends of the Goodnow Library is part of a cumulative gift of $1.4 million that Middlesex Savings Bank distributed to 84 nonprofit organizations including libraries, food pantries, and senior centers within the Bank’s retail branch territory.
You can help keep our library vibrant by volunteering your time and talent.
Volunteers help with activities like planning programs, organizing book sales, and maintaining the library’s entry gardens. | finance |
https://www.haddaddodge.net/lease-vs-purchase/ | 2021-10-23T14:53:50 | s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585696.21/warc/CC-MAIN-20211023130922-20211023160922-00557.warc.gz | 0.91813 | 1,248 | CC-MAIN-2021-43 | webtext-fineweb__CC-MAIN-2021-43__0__297367954 | en | By submitting your contact information, you consent to be contacted by telephone about purchasing a vehicle or obtaining vehicle financing. Clicking on the Submit button above is your electronic signature.
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The Haddad Dodge Ram experts are committed to providing exceptional services to our guests on a daily basis. Our Bakersfield, CA, location serves as your hub for everything involving your vehicular needs. This convenient location acts as your one-stop Dodge dealership, Ram dealership, and even acts as your auto service and parts center.
Serving you and your family with an optimal new car purchase while still honoring your budget is a goal our team is dedicated to. Browse our current inventory, select your ideal model, and schedule a test drive today by calling (661) 527-4315.
The choice of whether to buy or lease a new vehicle is one of the biggest financial decisions we can make. If you’re thinking about getting behind the wheel of a new Dodge Charger, Challenger, Durango, or RAM 1500 truck, take a minute to familiarize yourself with the pros and cons of each approach.
There are few cookie-cutter answers for whether buying or leasing is a better choice, but certain individual preferences may suggest one approach over the other. For example, if you love working on your car in Bakersfield, especially concerning installing after-market parts and making modifications to your drivetrain, then you’re a likely candidate for buying a vehicle, as you can’t make significant modifications to leased vehicles.
The simple answer for Bakersfield, CA drivers is money. Generally speaking, monthly payments on a lease tend to be markedly less than monthly payments for a purchase. Furthermore, a car, truck, or SUV in a lease from our Haddad Dodge Ram dealership is almost always covered under the manufacturer’s warranty, which means that mechanical failures won’t cost you anything, with a low likelihood of needing to replace tires, brakes, or exhaust components.
Another reason: the latest safety and connectivity technology. When you drive a leased vehicle in the Kern County area, you are by definition driving a car, truck, or SUV that is fewer than four years old. If you’re driving a vehicle that is getting along in years, you don’t have access to the latest safest technologies like collision alerts or blind-spot monitoring. Being in a lease also means Bakersfield drivers get the latest infotainment tech at your disposal, including voice control and smartphone integration that allow you to access your technology without looking at your phone. We have fantastic Dodge and Ram lease deals at our dealership near Taft and Delano, CA. Browse our online inventory and visit us to test drive a new vehicle today.
If you still haven’t made up your mind, speak with a member of our finance center to discuss your individual situation, and explore your options.
The biggest objection most folks have to lease is that they don’t understand it. People tend to fear and avoid things they don’t understand, especially when they are in an uncomfortable environment (such as a typical showroom). Here’s a quick contrast example between financing and leasing a $20,000 vehicle for a 60-month loan and a 36-month lease:
When you get a $20,000 loan, the bank pays us $20,000 for your car and keeps your title until you pay off the entire $20,000, plus interest.
When you lease, the bank also pays us $20,000 and keeps the title. What’s the difference? With a loan, the bank wants back 100% of the $20,000, plus interest. With a lease, the bank only wants you to pay $8000 plus interest (the difference between $20,000 and the residual of $12,000. The “residual” is the pre-determined value of the leased vehicle after 36 months).
Haddad Dodge Ram
3000 Harris Rd, Bakersfield, CA 93313Get Directions
Call us today!
Sales: (661) 527-4315
Service: (661) 527-4318
Parts: (661) 527-4319
Sales Department HoursMonday: 08:00 AM - 09:00 PMTuesday: 08:00 AM - 09:00 PMWednesday: 08:00 AM - 09:00 PMThursday: 08:00 AM - 09:00 PMFriday: 08:00 AM - 09:00 PMSaturday: 09:00 AM - 08:00 PMSunday: 10:00 AM - 07:00 PM
Service Department HoursMonday: 07:00 AM - 06:00 PMTuesday: 07:00 AM - 06:00 PMWednesday: 07:00 AM - 06:00 PMThursday: 07:00 AM - 06:00 PMFriday: 07:00 AM - 06:00 PMSaturday: ClosedSunday: Closed
Parts Department HoursMonday: 7:00am - 5:00pmTuesday: 7:00am - 5:00pmWednesday: 7:00am - 5:00pmThursday: 7:00am - 5:00pmFriday: 7:00am - 5:00pmSaturday: ClosedSunday: Closed
©2021. Haddad Dodge Ram. All Rights Reserved.
While great effort is made to ensure the accuracy of the information on this site, errors can occur.
Please verify all pricing information with a customer service representative.
This is easily done by calling us or visiting us at the dealership.
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http://tesla-moscow.ru/cryptocurrency/bitcoin-tumbler---cryptocurrency-tumbler.html | 2022-05-18T13:16:13 | s3://commoncrawl/crawl-data/CC-MAIN-2022-21/segments/1652662522270.37/warc/CC-MAIN-20220518115411-20220518145411-00314.warc.gz | 0.957313 | 1,069 | CC-MAIN-2022-21 | webtext-fineweb__CC-MAIN-2022-21__0__209990418 | en | Bitcoin tumbler - Cryptocurrency tumbler
As maybe some of you realize, every crypto transaction, and Bitcoin is not an exception, is carved in the blockchain and it leaves traces. These marks play an important role for the authorities to trace back outlawed transactions, such as purchasing weapon, drugs or money laundering. While a sender is not associated with any unlawful activity and still wants to avoid being traced, it is possible to use accessible crypto tumbling services and secure sender’s identity. Many bitcoin holders do not want to inform everyone the amount they gain or how they spend their money.
There is a belief among some web surfers that using a mixing service is an illegal action itself. It is not entirely true. As mentioned before, there is a possibility of crypto blending to become unlawful, if it is used to hide user’s illegal actions, otherwise, there is no reason to worry. There are many services that are here for bitcoin holders to tumbler their coins.
However, a digital currency owner should pay attention while picking a crypto mixer. Which service can be trusted? How can one be certain that a tumbler will not steal all the deposited digital money? This article is here to reply to these concerns and help every crypto owner to make the right choice.
The digital currency mixers presented above are among the leading existing tumblers that were chosen by users and are highly recommended. Let’s take a closer look at the listed crypto mixers and describe all options on which attention should be focused.
As cybercash is gaining momentum around the world, digital money holders have become more conscious about the confidentiality of their transactions. Everyone used to believe that a crypto user can remain disguised while forwarding their coins and it came to light that it is not true. On account of the implementation of government policies, the transactions are detectable which means that a user’s electronic address and even identity can be disclosed. But don’t be frightened, there is an answer to such public administration controls and it is a Bitcoin scrambler.
To make it clear, a cryptocurrency mixing service is a software program that splits a transaction, so there is a straightforward way to blend different parts of it with other coins. In the end a sender gets back an equal quantity of coins, but mixed up in a completely different set. Consequently, there is no possibility to trace the transaction back to a sender, so one can stay calm that personal identification information is not revealed.
Surely all crypto mixing services from the table support no-logs and no-registration policy, these are critical aspects that should not be overlooked. Most of the mixing services are used to mix only Bitcoins as the most common cryptocurrency. Although there is a couple of crypto tumblers that mix other cryptocurrencies, such as Ethereum, Bitcoin Cash and Litecoin. Additional currencies give a sender more opportunities, some mixing services also allow to combine coins between the currencies which makes transactions far less identifiable.
There is one feature that is not displayed in the above table and it is time-delay. This option helps a user and a transaction itself to remain anonymous, as there is a gap between the deposited coins and the outcoming transaction. In most cases, users can set the time of delay by themselves and it can be several days or even hours and minutes. To get a better understanding of crypto tumblers, it is necessary to consider each of them independently.
Based on the experience of many users on the Internet, CryptoMixer is one of the leading Bitcoin mixing services that has ever appeared. This tumbler supports not only the most popular cryptocurrency, but also other above-mentioned cryptocurrencies. Exactly this mixing service allows a user to exchange the coins, in other words to deposit one currency and receive them in another currency. This process even increases user’s anonymity. Time-delay feature helps to make a transaction untraceable, as it can be set up to 24 hours. There is a transaction fee of 0.0005 for each extra address.
One absolutely special crypto tumbler is ChipMixer because it is based on the absolutely different idea comparing to other mixers. A user does not merely deposit coins to mix, but makes a wallet and funds it with chips from 0.03 BTC to 14.954 BTC which a user can split according to their wishes. After chips are included in the wallet, a wallet owner can send coins to process. As the chips are sent to the mixing platform prior to the transaction, next transactions are untraceable and there is no opportunity to connect them with the wallet holder. There is no standard fee for transactions on this mixing service: it applies “Pay what you like” feature. It means that the fee is randomized making transactions even more anonymous and the service itself more cost-effective. Retention period is 7 days and every user has an opportunity to manually cleanse all logs prior to this period. Another coin tumbler Mixtum offers you a so-called free trial period what means that there are no service or transaction fee charged. The process of getting renewed coins is also quite unique, as the platform requires a request to be sent over Tor or Clearnet and renewed coins are obtained from stock exchanges. | finance |
http://cityofluling.net/166/Payments | 2023-12-09T02:07:37 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100781.60/warc/CC-MAIN-20231209004202-20231209034202-00613.warc.gz | 0.952078 | 202 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__103103909 | en | Should you require payment arrangements you will need to contact the court either by mail or in person:
Payment arrangements may be set up either monthly, every 2 weeks, or weekly.
Payments will be determined by the amount owed and the ability of the defendant to pay.
If any or part of a payment goes past 31 days from the date of your plea, the State requires the Court to assess a 1 time fee of $15 per violation, which can be worked into the payments.
You will be required to make your payments on the scheduled due date until the amount is paid in full.
Should you require an extension to pay, you will need to contact the court on or before your due date, either in person, e-mail, or by mail, to show just cause why a further extension should be granted.
If there is failure to comply with this agreement a Capias Pro Fine Warrant will be issued for your arrest for the amount of what is owed with additional fees. | finance |
https://www.eevelle.com/sst-form/ | 2019-08-25T18:11:51 | s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027330786.8/warc/CC-MAIN-20190825173827-20190825195827-00277.warc.gz | 0.92677 | 846 | CC-MAIN-2019-35 | webtext-fineweb__CC-MAIN-2019-35__0__104243814 | en | Streamlined Sales and Use Tax Agreement
Certificate of Exemption
This is a multi-state form. Not all states allow all exemptions listed on this form. Purchasers are responsible for knowing if they qualify to claim exemption from tax in the state that would otherwise be due tax on this sale. The seller may be required to provide this exemption certificate (or the data elements required on the form) to a state that would otherwise be due tax on this sale.
The purchaser will be held liable for any tax and interest, and possible civil and criminal penalties imposed by the member state, if the purchaser is not eligible to claim this exemption. A seller may not accept a certificate of exemption for an entity-based exemption
If no Steamlined Sales Tax ID Number, enter one of the following:
Enter the code from the table below in the "Reason For Exemption" box to the underneath. Enter the Department/Name/Number in the ID Number Box.
You MUST fill out both the code and the appropriate number for any state in which you are claiming exemption.
The following non-member states will accept this certificate for exemption claims that are valid in their respective state. SSUTA Direct Mail provisions do not apply in these states
Use this form to claim exemption from sales tax on purchases of otherwise taxable items. The purchaser must complete all fields on the exemption certificate and provide the fully completed certificate to the seller in order to claim exemption.
Warning to purchaser: Purchasers are responsible for ensuring that they are eligible for the exemption being claimed. Purchasers will be held liable for any tax and interest, as well as penalties imposed by the state, if the purchase is not legally exempt.
Misuse of exemption certificates : Any purchaser who knowingly and intentionally purchases items for resale that he or she knows will not be resold, or provides an invalid exemption certificate with the intent to evade payment of the tax, must pay the use tax on these items and may be guilty of a Class 1 misdemeanor and fined up to 50% of the tax owed. If a business legitimately purchases an item for resale, but later uses that item, the purchaser is responsible for reporting and paying use tax on that item.
Purchaser instructions for completing the exemption certificate:
If the Multistate Supplemental form is not being attached, enter the two-letter postal abbreviation for the state under whose laws the exemption is being claimed. For example, if claiming a sales tax exemption in Minnesota, enter “MN” in the boxes provided.
If this box is not checked, this certificate will be treated as a blanket certificate. A blanket certificate continues in force as long as the purchaser is making recurring purchases (at least one purchase within a period of twelve consecutive months) or until otherwise cancelled by the purchaser.
Multistate Purchasers: The purchaser should enter the headquarters’ address as the business address.
Multistate Purchasers: Attach the SSUTA Certificate of Exemption – Multistate Supplemental form and indicate the applicable reason for exemption and identification number (if required) for each of the additional states in which the purchaser wishes to claim exemption from tax.
CAUTION: The exemptions listed are general exemptions most commonly allowed by states. However, each state’s laws governing exemptions are different. Not all of the reasons listed may be valid exemptions in the state in which the exemption is being claimed. In addition, each state has other exemptions that may not be listed on this form. To determine what sales tax exemptions are allowed in a particular state refer to the state’s website or other information available relating to that state’s exemptions.
Seller: The seller is required to maintain proper records of exempt transactions and provide those records to states when requested. These certificates may be provided in paper or electronic format. Exemption certificates must be made available to states in the form it is maintained.
The seller is relieved of the responsibility for collecting and remitting sales tax on the sale(s) for which the purchaser provided the exemption certificate, even if it is ultimately determined that the purchaser improperly claimed an exemption, provided all of the following conditions are met: | finance |
https://support.forumcomm.com/support/solutions/articles/4000161230-why-am-i-being-charged-sales-tax- | 2021-08-04T17:03:04 | s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046154878.27/warc/CC-MAIN-20210804142918-20210804172918-00063.warc.gz | 0.949753 | 113 | CC-MAIN-2021-31 | webtext-fineweb__CC-MAIN-2021-31__0__40587795 | en | We collect sales tax on product purchases (and in some locations, delivery charges) in locations where we have a legal obligation to do so. Those taxes are calculated based on the state and local taxes applicable in the location where the order is being shipped. All taxes will be displayed before completion of your purchase.
Why am I being charged sales tax? Print
Modified on: Wed, 22 Jul, 2020 at 3:46 PM
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https://khanzinvest.com/resources/investing-framework/ | 2024-02-28T07:06:44 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474697.2/warc/CC-MAIN-20240228044414-20240228074414-00086.warc.gz | 0.926049 | 194 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__23211544 | en | What is Chatur Framework?
Chatur Framework is a 5 step investment framework made by Zakaria Khan, Founder of KhanZ Invest. It is based on value investment principles.
The 5 steps of Chatur Framework are designed to simplify the process of finding good quality stocks.
The Chatur Framework aims to help you better control your investment risks and at the same time generate good long term returns.
What are the principles of Chatur Framework?
Chatur Framework is based on value investing principles. In a nutshell, value investing means we strictly evaluate the quantitative matrixes of the business and calculate the intrinsic value of a business and buy its stocks at a cheaper price. Buying stocks cheaper than their intrinsic value is known as the margin of safety.
Our investing framework is not limited to quantitative matrixes, we equally value qualitative measures of a business. Step 4 & Step 5 of the Chatur Investing Framework looks into the qualitative measures of the business. | finance |
https://jbonnerconsulting.com/ | 2021-09-26T10:21:17 | s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780057857.27/warc/CC-MAIN-20210926083818-20210926113818-00706.warc.gz | 0.920581 | 204 | CC-MAIN-2021-39 | webtext-fineweb__CC-MAIN-2021-39__0__61822749 | en | COVID-19 has created the greatest economic threat to community banking since the Great Recession. Record numbers of loans are on deferral or forbearance status. Some will translate to losses, putting pressure on income, loan loss reserves, and capital. Business customers aided by PPP loans may still fail. Net interest margins continue to shrink while compliance and technology costs continue to grow. Regulatory scrutiny of asset quality and management systems will intensify. Pandemic driven acceleration of remote banking makes large banks and fintechs even more formidable competitors than they already were.
But there are tremendous long term opportunities for community banks and credit unions that can navigate today's unique challenges while simultaneously building for the future. Helping you develop practical strategies and manage change to meet your objectives is what I do.
It's who I am.
"CHANGE IS THE LAW OF LIFE, AND THOSE WHO LOOK ONLY TO THE PAST OR THE PRESENT ARE CERTAIN TO MISS THE FUTURE"
-John F. Kennedy | finance |
https://cordoleani.medium.com/the-revolution-is-not-the-metaverse-cd2cad269c84?source=user_profile---------5---------------------------- | 2024-03-02T18:50:02 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947475897.53/warc/CC-MAIN-20240302184020-20240302214020-00672.warc.gz | 0.945288 | 269 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__153533318 | en | The revolution is not the #Metaverse but the #TOKENIZATION. The media are parasitizing the fabulous 20-year adventure of the liquefaction of value with this history of Metaverse. Web3 has nothing to do with the issues of a parallel immersive world. Metaverse is a potential application of the #Blockchain protocol but it’s way too early to make money with this pipe dream. As #facebook had to advance its roadmap by 10 years because its Libra could not be released because of the lobbying of American banks, so the press thinks it’s the hype of the moment. WRONG! We are still at the beginning of the exploitation of blockchain, at the same level as the web in 1995. In 5 years, some traditional banks will be bought, saved by the winners of the DEFI (binance, coinbase .), as AOL bought Time Warner in 2000 to the general surprise. It took 35 years for the Web protocol to liquefy the information to lead to its first native application: TIKTOK, the #Web3 is in the process of liquefying the value and we will be at the peak of its exploitation around 2032, it’s only at this moment that we will move to the problem of the virtualization of the user experience. | finance |
http://heraldsquareproperties.com/ | 2017-04-30T10:43:31 | s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917125074.20/warc/CC-MAIN-20170423031205-00189-ip-10-145-167-34.ec2.internal.warc.gz | 0.918508 | 189 | CC-MAIN-2017-17 | webtext-fineweb__CC-MAIN-2017-17__0__49198891 | en | Herald Square Properties is a fully integrated investment and operating company focused on the Manhattan office market.
Herald Square currently owns or performs asset management services on over one million square feet in Manhattan.
The current portfolio is comprised of Class A and Class B office properties located throughout Manhattan including the Lipstick Building, 292 Madison Avenue, 142 West 36th Street and 234 West 39th Street.
HERALD SQUARE PROPERTIES ACQUIRES 251 WEST
NEW YORK, (May 25, 2016)
30TH STREET WITH MARCIANO INVESTMENT GROUP
Herald Square Properties ("HSP") and Marciano Investment Group ("MIG") have teamed up to purchase 251 West 30th Street, a 16-story, 114,000-square-foot mid-block prewar loft office building with great light and air located in the vibrant Chelsea North submarket ...
> CLICK HERE TO READ ARTICLE | finance |
https://www.vickydrivingschool.net.au/how-much-does-it-cost-to-go-to-driving-school-in-australia/ | 2024-03-03T19:15:39 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476397.24/warc/CC-MAIN-20240303174631-20240303204631-00860.warc.gz | 0.950393 | 1,618 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__16842127 | en | Driving is a valuable skill that provides independence, and convenience, and opens up various opportunities. Attending a driving school is an excellent way to acquire the necessary knowledge and skills to become a confident and responsible driver. If you’re considering enrolling in a driving school in Ringwood, it’s essential to understand the costs involved.
The Importance of Attending Driving School
Before we delve into the cost aspect, let’s first understand why attending driving school is crucial. Driving schools offer structured and comprehensive driver education programs designed to teach both theoretical knowledge and practical skills.
They provide professional guidance and ensure that learners develop a strong foundation in safe driving practices, traffic rules, and road etiquette. Attending driving school increases your chances of passing the driving test and obtaining a driver’s license successfully. Moreover, it enhances your safety and that of others on the road.
Different types of driving test bookings
In Australia, you have several options when it comes to choosing a driving school. The three main types include accredited driving schools, government-funded driving schools, and independent driving instructors. Accredited driving schools are private institutions that offer comprehensive driver education programs.
Government-funded driving schools, on the other hand, provide subsidized or free driving lessons to eligible individuals. Independent driving instructors operate independently and offer personalized driving lessons.
Factors Influencing the cost of driving school
Several factors contribute to the cost of driving school in Melton. It’s essential to consider these factors when planning your budget and selecting a driving school that fits your requirements. The following are the key factors that influence the cost of driving school:
1. Location: The cost of driving school can vary depending on the location. Urban areas tend to have higher prices compared to regional or rural areas due to increased demand and higher living costs.
2. Duration and intensity of the course: Driving schools offer various course options, such as standard courses, intensive courses, and refresher courses. The longer and more intensive the course, the higher the cost is likely to be.
3. Inclusions and additional services: Some driving schools may include additional services in their packages, such as mock driving tests, hazard perception training, or defensive driving techniques. These additional services can impact the overall cost.
4. Reputation and experience of the driving school: Established driving schools with a solid reputation and experienced instructors often charge higher fees. Their expertise and track record of success may justify the higher cost.
Now that we’ve discussed the factors that influence the cost, let’s explore the average cost of driving school in Australia.
Average cost of driving school in Ringwood
The cost of driving school in Ringwood can vary significantly depending on the type of driving school and the location. To give you a general idea, let’s look at the average cost range for different types of driving schools:
Accredited driving schools: The cost of a full driver education program at an accredited driving school typically ranges from $800 to $2000. This includes both theoretical classes and practical driving lessons.
Government-funded driving schools: If you qualify for government-funded driving lessons, the cost can be significantly lower or even free. Eligibility criteria vary, and it’s important to check with your local government or transport authority for more information.
Independent driving instructors: Independent driving instructors usually offer flexible pricing options. The cost per driving lesson can range from $40 to $80, depending on the duration and the instructor’s experience.
It’s important to note that these are average estimates, and the actual cost may vary based on the factors mentioned earlier. Additionally, there may be additional expenses to consider.
Additional expenses to consider
When budgeting for driving school, it’s essential to factor in additional expenses that may arise during the process. These expenses can include:
Learner’s permit fees: Before you can start driving lessons, you’ll need to obtain a learner’s permit. The cost of the permit varies between states and territories, ranging from approximately $25 to $50.
Driving test fees: Once you’ve completed your driving lessons, you’ll need to take a driving test to obtain your driver’s license. The cost of the test varies between $75 and $150, depending on the state or territory.
Learning materials: Some driving schools may provide learning materials as part of their package, while others may charge an additional fee for books, handbooks, or online resources.
Vehicle hire for the driving test: If you don’t have access to a suitable vehicle for the driving test, you may need to hire one from the driving school or a rental service. The cost of vehicle hire can range from $50 to $100.
Considering these additional expenses will help you plan your budget more effectively.
Tips for finding affordable driving school options
If you’re concerned about the cost of driving school, here are some tips to help you find more affordable options:
Research and compare prices: Take the time to research and compare prices from different driving schools in your area. Look for schools that offer transparent pricing and have positive reviews from past students.
Look for discounts and package deals: Some driving schools may offer discounts or package deals that can help you save money. These can include discounted rates for booking multiple lessons or comprehensive packages that include both theory and practical sessions.
Consider group lessons or shared driving time: Some driving schools offer group lessons or shared driving time, where you can split the cost with other learners. This can be a cost-effective option, especially if you’re comfortable learning in a group setting.
By utilizing these tips, you can find a driving school that fits your budget without compromising on the quality of education.
Importance of investing in quality driving education:
Quality driving education provides you with essential skills and knowledge that can benefit you in the long run. Here are a few reasons why investing in quality driving education is crucial:
Long-term benefits and savings: Attending a reputable driving school can provide a reliable foundation in driving skills and road safety, leading to responsible and confident driving and decreasing the potential for accidents and fines down the road. Additionally, learning defensive driving techniques can save you money on insurance premiums by demonstrating your commitment to safe driving practices.
Enhanced safety and confidence on the road: Driving schools focus on teaching defensive driving techniques, hazard perception, and proper road etiquette. These skills go beyond the basic requirements for obtaining a driver’s license. By learning from experienced instructors, you’ll develop the confidence and skills necessary to handle challenging situations on the road, such as adverse weather conditions or unexpected hazards.
Preparation for the driving test: Attending a driving school increases your chances of passing the driving test on your first attempt. Driving instructors are familiar with the requirements and expectations of the test, and they can provide you with valuable guidance and practice to ensure you’re well-prepared. This can save you both time and money by avoiding the need for retakes.
Building a strong foundation for a lifetime of safe driving: The skills and knowledge acquired during driving school become the building blocks of your driving habits for years to come. By investing in quality education, you lay the groundwork for a lifetime of safe and responsible driving. This not only benefits you but also contributes to a safer road environment for everyone.
Driving school costs in Australia vary based on factors like location, school type, duration, and extra services. Accredited schools charge around $800 to $2000 on average, while government-funded options can be more affordable or free for eligible individuals. It’s essential to consider the long-term benefits and savings that come with investing in quality driving education. Prioritize safety, gain confidence, and prepare for the driving test to ensure a lifetime of responsible driving. | finance |
http://libertyscott.blogspot.co.uk/2010/01/obamas-grab-for-populism.html | 2014-07-22T19:41:32 | s3://commoncrawl/crawl-data/CC-MAIN-2014-23/segments/1405997862711.66/warc/CC-MAIN-20140722025742-00241-ip-10-33-131-23.ec2.internal.warc.gz | 0.976549 | 119 | CC-MAIN-2014-23 | webtext-fineweb__CC-MAIN-2014-23__0__87379921 | en | Was the financial crisis due to the fact that some banks own private equity firms? No.
In truth, banking losses were caused by bad property loans – and the purchase of this sub-prime debt by other banks and funds in the belief that they were safe. Wall Street was crippled because it was so leveraged and didn’t hold enough high quality, truly liquid capital. AIG insured packages of sub-prime debt through credit default swaps but didn’t set capital aside in case things went wrong.
Obama’s pseudo-remedies completely miss the point. | finance |
https://decentralbank.readthedocs.io/en/latest/ | 2019-09-15T10:07:38 | s3://commoncrawl/crawl-data/CC-MAIN-2019-39/segments/1568514571027.62/warc/CC-MAIN-20190915093509-20190915115509-00117.warc.gz | 0.899913 | 356 | CC-MAIN-2019-39 | webtext-fineweb__CC-MAIN-2019-39__0__150245881 | en | Decentral Bank is a software framework which allows a network of peers to partake in decentralized banking activity and monetary policy. The network is capable of issuing currency tokens whose purchasing power is maintained through a set of smart contracts included in the system. The mechanisms include but are not limited to the auctioning of bonds and shares and a collateralized reserve system. The Decentral Bank framework contains many of the cryptocurrency industry standard stability mechanisms for stablecoin systems. Users can fork the Decentral Bank software and create stablecoin networks which incorporate various monetary policy functions modeled after real-world banking and economic theories.
Decentral Bank Software is based on EOSIO technology for Turing-complete smart contract functionality, account-based transactions, and Byzantine consensus.
Decentral Bank software is released under the terms of the MIT license. Decentral Bank software is open source and free to use. The "Decentral Bank" repository is not a bank and does not engage in banking activity, transactions, or business. The software is released in an as-is basis and open to all collaborators.
Decentral Bank is built on EOSIO software with each stability mechanism modeled as its own smart contract.
Download the latest EOSIO implementation at https://github.com/EOSIO/eos and follow instructions to set up a local test network (building from source is recommended).
Once a local single-node test network is set up with NODEOS creating blocks on the local machine, run the decentralbank_setup.sh script to begin setting up the decentral bank local network. This will setup the local network by creating the necessary EOSIO accounts, deploying the appropriate smart contracts, beginning price feed and monetary policy, and creating currency tokens. | finance |
https://careers.kondor.co.uk/vacancies/description/85/ | 2019-07-22T13:53:42 | s3://commoncrawl/crawl-data/CC-MAIN-2019-30/segments/1563195528037.92/warc/CC-MAIN-20190722133851-20190722155851-00442.warc.gz | 0.893947 | 301 | CC-MAIN-2019-30 | webtext-fineweb__CC-MAIN-2019-30__0__117859504 | en | Sales Administrator (OTC)
Contract Type: Permanent
Hours: Full Time
Ref No: 85
Main focus will be to manage the cash cycle in the business by ensuring that sales order processing and invoicing through to customer cash collection is managed in line with policy and procedure.
- Ideally back office support experience gained in AP, AR or similar
- Experience of working in a fast-moving environment
- Knowledge of Microsoft Office, mainly Excel
- Management of Orders – Processing and amending orders where necessary, ensuring all orders are processed and dispatched within the given time frame. Ensure that delivery of product into customers is scheduled efficiently.
- Pre-Sale Enquiries – Using product and company knowledge to answer any customer enquiries.
- Invoicing- Completing and submitting invoices for accounts.
- After-Sales Enquiries – Resolving any product or delivery problems with customers to ensure payment on terms.
- System Administration – Submitting product information into various third-party systems.
- Cash Allocation – Ensuring customer remittances are allocated accurately and on time.
- Demonstrate a strong awareness of and commitment to Ethics and Compliance and the DCC Group Code of Conduct.
Key Internal Relationships
- Head of Channels
- Wider Finance team
- Account Managers
- Operations team
- Purchasing team
Key External relationships
- Customer AP teams
- Customer Supply Chain teams
- Logistics providers | finance |
http://www.vinesguildfordmotorrad.co.uk/company-information-ar1/ | 2018-04-20T01:04:17 | s3://commoncrawl/crawl-data/CC-MAIN-2018-17/segments/1524125937090.0/warc/CC-MAIN-20180420003432-20180420023432-00408.warc.gz | 0.904765 | 153 | CC-MAIN-2018-17 | webtext-fineweb__CC-MAIN-2018-17__0__79064333 | en | Registered Name: Vines Limited
Company Registered Number: 1849408
Place of Registration: England and Wales
Registered Office Address: Vines House, Slyfield Green, Guildford, GU1 1RD
VAT Number: 529018646
Email Address: [email protected]
FCA Status Disclosure:
Vines Limited is authorised and regulated by the Financial Conduct Authority for its regulated consumer credit activities. Ref No. 664887.
Vines Limited is an appointed representative of BMW Financial Services (GB) Limited, which is authorised and regulated by the Financial Conduct Authority, for its general insurance mediation activities. Ref No. 466340.
Vines Limited Gender Pay Gap Report for 2017 link: Gender Pay Gap Report 2017 | finance |
https://deweyjames.com/budget-calculation-metrics-project-management/ | 2023-01-29T18:04:03 | s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764499758.83/warc/CC-MAIN-20230129180008-20230129210008-00852.warc.gz | 0.935557 | 514 | CC-MAIN-2023-06 | webtext-fineweb__CC-MAIN-2023-06__0__283338280 | en | Budget calculations in project management:
- Cost Baseline: This is the approved version of the project’s budget and is used to measure and monitor project performance.
- Budget at Completion (BAC): The total budget for the project, including all planned costs for the project.
- Actual Cost (AC): The total cost incurred for the project to date.
- Earned Value (EV): The value of the work completed to date, measured in terms of the budget.
- Planned Value (PV): The budgeted cost for the work planned to be completed at a given point in time.
- Schedule Variance (SV): The difference between the planned value and the earned value of the project.
- Cost Variance (CV): The difference between the planned cost and the actual cost of the project.
- Cost Performance Index (CPI): A measure of how effectively project costs are being controlled, calculated as the ratio of the earned value to the actual cost.
- Schedule Performance Index (SPI): A measure of how effectively project schedule is being controlled, calculated as the ratio of the earned value to the planned value.
- Estimate at Completion (EAC): An estimate of the total cost of the project at its completion, calculated using various methods depending on the project’s performance.
- Variance at Completion (VAC): The difference between the budget at completion and the estimate at completion.
Budget at Completion (BAC)
The Budget at Completion (BAC) is the total budget for a project, including all planned costs. To calculate BAC, you would add up all of the costs that are expected to be incurred during the project, including direct costs (e.g. labor, materials, equipment) and indirect costs (e.g. overhead, contingencies).
- BAC = Direct costs + Indirect costs + Contingency costs
- Direct costs = sum of all costs that can be directly attributed to the project (e.g. labor, materials, equipment)
- Indirect costs = costs that cannot be directly attributed to the project (e.g. overhead, contingencies)
- Contingency costs = additional costs that may be incurred to deal with unforeseen events or risks.
It’s important to note that BAC is an estimation and not a fixed number, it can change during project execution due to any scope changes or unforeseen events. | finance |
http://bubu-online.blogspot.com/2012/09/demand-for-linux-hosting-servers.html | 2018-04-23T23:22:52 | s3://commoncrawl/crawl-data/CC-MAIN-2018-17/segments/1524125946256.50/warc/CC-MAIN-20180423223408-20180424003408-00210.warc.gz | 0.962537 | 321 | CC-MAIN-2018-17 | webtext-fineweb__CC-MAIN-2018-17__0__172624173 | en | According to the recent report published by IDC this week, worldwide server market revenues decreased 4.8 percent year-over-year in Q2 2012. This is the third consecutive quarter of year-over-year revenue declines for the server market. The market is "working its way through a number of technology transitions impacting customer demand for x86, Unix and mainframe-class systems," said Matt Eastwood, group vice president and general manager for enterprise platforms at IDC, in a released statement. "Economic uncertainty is weighing on the market and the sales cycle is lengthening."
Unix hosting servers and non-x86 servers had the poorest showing this quarter. Unix hosting server revenue declined 20.3 percent year over year. Non-x86 server revenue declined 19.4 percent year over year. However, bladed hosting servers and Linux dedicated servers saw improved demand. IDC attributes the increase of Linux hardware revenue (a 1.7 percent year-over-year gain) to the growing demands of high-performance computing and cloud infrastructure deployments. Bladed server factory revenue was up 6.3 percent year over year, as were bladed server shipment numbers (up 4.1 percent from Q2 2011).
Hewlett-Packard Co. and IBM Corp. shared the No. 1 spot for factory revenue share this quarter, although both companies saw year-over-year factory revenue declines (of 5 percent and 8.2 percent, respectively). Dell Inc. took third place in factory revenue share, helped by a 5.9 percent revenue increase compared with Q2 2011. | finance |
http://ridgewayhs.dsbn.org/student-services/guidance/scholarships-and-financial-aid | 2018-02-18T18:24:50 | s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891812247.50/warc/CC-MAIN-20180218173208-20180218193208-00750.warc.gz | 0.923999 | 301 | CC-MAIN-2018-09 | webtext-fineweb__CC-MAIN-2018-09__0__266728088 | en | Scholarship and Bursary Information
There are several sources available to look for scholarships and bursaries:
1 The District School Board of Niagara website:
click on Student and then click on Scholarships/Awards
There will be a listing of scholarships available for all Grade 12 students to apply to. See if you qualify by clicking on the link and check the criteria. Make sure you include all of the required documents.
There are NO limits of how many you can apply to.
Ask Mr Connor or Mrs Carthew if you need help!
2 Sign up for the following free websites:
These websites are designed to email you with possible scholarships that you would qualify for based on the information you put in.
3 Check out the RCBHS guidance twitter page here
4 Check out the SCHOLARSHIP/BURSARY website of the school(s) that you will be applying to. There are also many opportunities for students to apply and get help financing their education.
Here is the eInfo scholarships page
5 When you have confirmed which school/program you will be taking, remember to apply to the Ontario Student Assistance Program (O.S.A.P.). Click OSAP to apply.
You will need a Social Insurance Number and the tax information from the previous year.
Search up all possible categories that could fit you, your course, the school you're applying to, your heritage, where your parents / guardians work and so on........ | finance |
http://rendina.com/careers/property-accountant/ | 2018-05-26T00:01:25 | s3://commoncrawl/crawl-data/CC-MAIN-2018-22/segments/1526794867254.84/warc/CC-MAIN-20180525235049-20180526015049-00433.warc.gz | 0.893058 | 453 | CC-MAIN-2018-22 | webtext-fineweb__CC-MAIN-2018-22__0__1174304 | en | As Property Accountant, you will be responsible the financial reporting for all assigned properties with emphasis on account analysis, journal entries, and bank reconciliations in accordance with modified accrual basis of accounting.
- Cash Management
• Monitor properties cash position on a daily basis.
• Reconcile monthly bank and mortgage statements for cash and escrow accounts.
• Review and approve tenant billings, chargebacks, and any other necessary adjustments.
• Confirm cash receipts on all tenants who pay their rent and CAM via ACH.
- Cash Disbursements
• Review invoices for proper account coding and approval.
• Approve invoices for payment based on property cash flow.
• Ensure all mortgages, real estate tax bills, insurance bills, and ground lease payments are paid timely.
• Assist the Asset Manager in processing quarterly distributions.
- Budgets/Operating Expenses
• Assist Property Managers in the preparation of the annual property budget.
• Create reforecast budgets for all assigned properties.
• When applicable, calculate allowable gross-up numbers for the budgets.
• Load budget detail into Kardin/Yardi.
- Other / Miscellaneous
• Record refinances, sales, and casualties.
• Close the month and the year in Yardi.
• Record the necessary reclassification entry of PY net income/loss as part of the year end close.
• Assist with year-end reconciliations for tax return purposes
• End of year tax entries
• Assist with other duties as assigned.
This job description in no way states or implies that these are the only duties to be performed by the employee(s) incumbent in this position. Employee(s) will be required to work as a team and follow any other job related instructions and to perform any other requested job-related duties. Team members are expected to perform these duties with an enthusiastic attitude and to assist wherever necessary to accomplish the Company’s overall goals.
The ideal candidate will possess:
- Minimum 3 years of experience in real estate related activities
- Bachelor’s degree in accounting
- Experience with Excel require
- Experience with Yardi and Kardin preferred | finance |
http://planomusicteachers.org/about.html | 2022-12-03T10:14:08 | s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710926.23/warc/CC-MAIN-20221203075717-20221203105717-00148.warc.gz | 0.929267 | 174 | CC-MAIN-2022-49 | webtext-fineweb__CC-MAIN-2022-49__0__180807338 | en | Founded in 1968, the Plano Music Teachers Association promotes the art of music and the advancement of musical knowledge through musical activities and the appreciation of music.
We are affiliated with the Music Teachers National Association and the Texas Music Teachers Association.
Policies for members:
Refund Policy: PMTA accepts credit cards from members in payment for fees associated with student festivals, recitals, theory tests, and teacher membership and other services provided by the organization. We do not provide refunds.
Privace Policy: Member information is collected in order to assist with the operation of the association. We do not disclose your personal information without your explicit consent. We do not store credit card information on our servers.
Terms and Conditions: Fees are set by the board of the association. Members are informed annually regarding fees for all events and services. | finance |
http://ipcwisconsin.com/payments/ | 2024-03-05T05:10:27 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707948217723.97/warc/CC-MAIN-20240305024700-20240305054700-00702.warc.gz | 0.942237 | 202 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__177925242 | en | Psychotherapy Payment Options
Individual psychotherapy sessions with an LCSW are fifty minutes and are billed at $190 for an intake session and $150 for subsequent visits. Integrative Psychological Consultants, LLC currently accepts the following insurance:
- Anthem/Blue Cross Blue Shield
- Anthem EAP/Unicare
- The Alliance
- FEI (Employee Assistance Program for state employees)
Out-of-pocket (not submitted to insurance) payments received in full at the time of service are eligible for a 20% discount. Sliding fee scales are available for qualified patients who can demonstrate financial need determined by income and benefit eligibility.
Cash, checks and all major credit cards are accepted.
Did you know that many insurance providers will reimburse some portion of psychotherapy services provided by clinicians outside of their coverage network? If you are interested in this option, contact your insurance provider to determine if you are eligible to receive some coverage while working with one of our out-of-network providers. | finance |
http://cameraontheroad.com/2005/08/know-before-you-go-vat-refunds/ | 2023-12-10T17:36:42 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679102612.80/warc/CC-MAIN-20231210155147-20231210185147-00352.warc.gz | 0.946898 | 556 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__133810720 | en | Did you know that as a tourist shopping in a foreign country you can get a refund on the sales tax or VAT (Value Added Tax) on your purchases when you leave the country?
You can. With a minimum total purchase, often equivalent to about USD$100, made at a “tax-free” or “tourist” shop, and a form provided by the shop, many countries will refund you the amount of tax paid.
Find out what the minimum purchase amount is in the country you are in by checking guide books or on the Internet before going. We recommend checking before you travel so you can be prepared for the process. It can be a bit of a process. Some places have rules and regulations that will make your head spin, so make sure you know what the rules are before you leave home.
As you are shopping, if you decide you want to make a big ticket purchase, check the front windows, door, and exterior of the shop as well as around the pay counter for a sign that indicates this shop is a VAT Refund qualified and designated shop. Some countries feature a Tax Free Shopping sign.
We recommend you carry a distinctive colored envelope in your pack or purse to store the paperwork you will get with each purchase. Keep it with you. Write the following information on the envelope, especially if you cannot keep your passport with you after your arrival in the country (some hotels are required to keep it for you), or you choose to leave it in the hotel’s safe deposit box.
- Your passport number
- Passport issue location
- Passport issue and expiration dates
Always carry two pens with you for taking notes as well as filling in the forms.
Fill in all the blanks in the form. When asked if you would like a refund by mail (check), credit card, or cash, choose cash or credit card for speed and security. If you choose check or cash, upon your arrival at the airport for departure, before going to the ticket counter check with an official on how to handle the refund. Different countries and airports have different procedures.
We don’t offer this tip lightly. In the United States, the average sales tax on purchases is around 10% of the total purchase price. In Israel, it’s 18%. Belgim is 21%. Sweden is 25%. Italy is 20%. That adds up to a LOT of money that you can get back before leaving the country.
And enjoy the savings on your trip! There’s a helpful article on Frommers about VAT Refunds, also. For more information, check with the main corporations behind international sales tax refunds in the EU at Global Refund and Premier Tax Free | finance |
https://www.life4seekers.uk/ | 2023-10-03T20:49:12 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511220.71/warc/CC-MAIN-20231003192425-20231003222425-00356.warc.gz | 0.983716 | 933 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__323205297 | en | There are some people that worry about lots of things and finance could be one of them. There are others that specifically worry about their finances as they are not happy about their situation. There are things though, which can be done which will help with this and it is good to have an understanding of what your options are, so that you will be able to find one that will suit you. It is good to try to work on your finances so that you have less or no reason to worry about them as well as using methods to help you to sleep better generally.
Improving your finances
Obviously, what you need to do to improve your finances will very much depend on what is causing you concern. It might be that you are worried about having enough money for retirement, repaying a loan, covering your bills, affording your children’s university costs, or other things. There are all sorts of things that could potentially be a problem. Identifying exactly what the concern is will be the best place to start. Hopefully you will be able to do this, but sometimes it is not that easy. However, a more general approach to improving your finances could work in this case.
It is always wise to make sure that you are in good control of your finances. This means that you want to ensure that you can easily manage to afford everything that you need and that you do not have too many loans, particularly expensive one or ones that you are struggling to manage, that you have some savings behind you and are feeling confident about your retirement. If you are on top of all of these things then you should not have anything to concern you. However, if you are not, then it is very possible that you will have concerns.
It is worth carefully going through your finances to get some information together. Work out exactly what you owe, to who and what interest you are paying on your payday loans for bad credit. Work out what savings you have and investments and what interest or return you are getting on those. Find out the income you get each month and how much you spend on both necessary things and luxuries. Also look into what retirement provision you have both from the government and through any other pension schemes or things like that.
Getting all this information can possibly be terrifying as you may find that things are even worse than you imagined but you are just as likely to find that it is better than you thought. You will not be able to try to make your situation better though, unless you know exactly where you are starting. At this point you will now be able to see what you might be able to do.
It could be possible that savings and investments that are not doing well could be used to repay expensive loans. You may also decide to use a portion of your income to repay loans as well. This might mean just using a small amount each month to slowly whittle away the debt. If you have no loans you might want to start paying some into a savings account, investing some or starting up a pension. It can be quite a hard decision, but even if you are only doing a little bit, it is much better than doing nothing.
Of course, you will need extra money to be able to do this and so you will need to make changes. It is wise to not only be careful with what you are spending and prioritise carefully, but also to see whether you can earn more. This will make a big impact on your financial situation and as long as you make sure that you are using that extra money wisely, it should have a positive impact on how you feel about your financial situation.
Hopefully getting your finances in better order and having a plan for the future should help you to stop worrying so much and to sleep better. However, it could be that you will need to do a bit more to help your sleep. Make sure that you have a good sleep routine, that you wind down before bed without electronics, that you have a comfortable place to sleep and that you exercise in the day so that you are tired at night. If you still struggle then trying meditation or other relaxation methods could be useful. You may also find there are books or online resources that will give you lots of information about things that you could try to help. Often many things, such as getting into a routine or doing meditation are free as well, which can be great as if you are trying to improve your financial situation you do not want to have to pay out more money. It is best to see a GP if you are really struggling as they may be able to direct towards professional help. | finance |
http://mos.uwo.ca/undergraduate/internships/for_employers/tax_credits.html | 2018-11-21T16:49:37 | s3://commoncrawl/crawl-data/CC-MAIN-2018-47/segments/1542039749054.66/warc/CC-MAIN-20181121153320-20181121175320-00280.warc.gz | 0.950191 | 186 | CC-MAIN-2018-47 | webtext-fineweb__CC-MAIN-2018-47__0__46281095 | en | Tax Credits and Funding
Co-operative Education Tax Credit
These are intended as guidelines only and are not intended to replace the current tax legislation.
- The Co-operative Education Tax Credit (CETC) is a refundable tax credit available to eligible businesses that employ post-secondary students enrolled in qualifying co-operative education programs at eligible educational institutions.
- In Ontario, the Co-operative Education Tax Credit allows you to deduct 25% - 30% of salaries, wages, and benefits to a maximum of $3,000 for each qualifying work term (4 months).
An eligible employer includes all corporations or unincorporated businesses with permanent establishments in Ontario subject to Ontario corporate income tax or Ontario personal income tax. Members of a partnership may share the CETC for each qualifying work placement. Limited partners are not entitled to this credit; however, the general partners of a limited partnership are entitled to share the credit. | finance |
https://www.arcotgrange.co.uk/stamp-duty | 2022-05-23T10:50:27 | s3://commoncrawl/crawl-data/CC-MAIN-2022-21/segments/1652662558015.52/warc/CC-MAIN-20220523101705-20220523131705-00095.warc.gz | 0.949419 | 118 | CC-MAIN-2022-21 | webtext-fineweb__CC-MAIN-2022-21__0__187468659 | en | WHY NOT TAKE ADVANTAGE OF THE GOVERNMENTS STAMP DUTY HOLIDAY
On the 8th July the Government announced a temporary holiday on stamp duty until 31st March 2021.
This will save buyers as much as £15,000 if they are buying a property of £500,000 or more.
There will be no stamp duty to pay on homes up to £500,000.
For homes over £500,000 stamp duty will only be paid on the amount over the £500,000 threshold. | finance |
https://www.ameristarhomes.com/5-tips-to-save-for-a-down-payment/ | 2024-04-21T09:17:03 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817729.87/warc/CC-MAIN-20240421071342-20240421101342-00412.warc.gz | 0.941435 | 395 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__89571926 | en | You’ve decided it’s time to buy your new home and you need to start saving for a down payment. The following five tips will help you get on the right track:
1. Make sure your priorities are straight.
Paying your rent should always be your first priority. Paying down credit card debt should be next.
2. Automate saving money.
Determine how much you can save based on your current expenses. Once you determine the amount, automatically put it into your savings account. Record the savings each month as an expense. Look at it as a bill that needs to be paid.
3. Look for money-making opportunities.
Take a look around your home for unneeded items to sell online or in a yard sale. Or, turn your hobby into a part-time, money-making enterprise. You would be surprised at how quickly small proceeds accumulate.
4. Keep track of your daily expenses.
By tracking your daily expenses, you will be able to see what you can cut back or cut out. For example, if you have free coffee at work, do you need to stop at the coffee shop every morning? Also, try paying with cash instead of using your debit or credit card. Studies have shown that people tend to spend 15 to 20% less when they pay with cash.
5. Reduce your household expenses.
There are many ways to cut back on your household expenses that will help you save for a down payment more quickly. Just switching to cold water when washing clothes will save up to 90% of the energy expended in the washing cycle. Turning your hot water temperature down to 120 degrees will also help you save money.
Implementing any of these tips can make a real difference in how quickly you can save for your new home. For more tips and help with purchasing your new home, contact us Ameri-Star Homes at 410-590-1000. | finance |
http://pinaymom.org/looking-for-a-second-hand-vehicle-in-dallasfort-worth-area/ | 2016-10-01T18:52:03 | s3://commoncrawl/crawl-data/CC-MAIN-2016-40/segments/1474738663202.87/warc/CC-MAIN-20160924173743-00254-ip-10-143-35-109.ec2.internal.warc.gz | 0.968937 | 437 | CC-MAIN-2016-40 | webtext-fineweb__CC-MAIN-2016-40__0__149863793 | en | My husband and I planning to get another car for the family. We have a mini-SUV car already but with the never ending going up prices of gasoline we’re deciding to buy a smaller car this time. According to my husband, small car means small consumption of gasoline specially if we will use it as our everyday commuting car going to our work of place. We will just use our mini-SUV during weekends and for our long trip vacations. Without a doubt, I’m giving all my faith and trust to my hubby when the topic is about cars. However, he’s giving me the freedom to choose the car I want.
While searching for some used cars online, Google brought me to Auto USA. A Dallas-based user car dealer with over 50 solid years of serving the residents of Dallas/Fort Worth area. My husband and I browsed through their inventories and we’re actually surprised when we saw some of the cars that are on our list of choices.
My only worries when buying a second hand vehicle is the history of the car. Who used it, how it was used and what were the maintenance done on it. Good thing Auto USA Texas has what they call AutoCheck – an history report on every vehicle. For peace of mind, it is much better if you can have the vehicle inspected for mechanical faults by an expert. Bring a friend if you can!
If you are buying on a credit, AutoUSA offers financing options. In fact,they can finance individuals with damaged credit! And they’ve been doing this for the past 50 years helping their clients in securing used car financing, with history of bad credit or not. It’s mentioned in their website their in-house financing is available to those who are based in Dallas/Fort Worth area. By all means, those who prefer to pay in cash and other ways of financing are very much welcome to buy from them. Better visit their branches to check your options.
AutoUsa has used cars Irving, TX branch. If you are within the area, you can find their office at 1316 East Irving Blvd. | finance |
https://www.escapefromquarantine.com/the-coronavirus-effect-on-economic/covid-19-changed-spending-habits/ | 2024-03-01T13:49:38 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947475311.93/warc/CC-MAIN-20240301125520-20240301155520-00221.warc.gz | 0.941566 | 1,051 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__35400741 | en | The COVID-19 pandemic has been an unprecedented global event that has shaken economies and societies to their core. Beyond the immediate health crisis, the pandemic triggered a profound transformation in consumer behavior, reshaping how people spend, save, and invest their money. With lockdowns, social distancing measures, and economic uncertainties becoming the new norm, consumers rapidly adapted to a new way of life, leading to drastic changes in their purchasing patterns and preferences.
Shifts in Spending Patterns
Surge in Demand for Essential Goods and Services
The outbreak of the COVID-19 pandemic brought about an unprecedented surge in demand for essential goods and services. As the virus spread and governments imposed lockdowns and restrictions, consumers rushed to stock up on groceries, household essentials, and healthcare products. Panic-buying led to temporary shortages of certain items, highlighting the significance of these products in our daily lives. Moreover, the increased focus on health and hygiene during the pandemic resulted in a rise in demand for personal protective equipment (PPE) and sanitization products. This shift in spending not only impacted consumer behavior but also placed immense pressure on supply chains to adapt to the sudden changes.
Decline in Non-Essential Spending
Conversely, the pandemic saw a significant decline in non-essential spending as travel plans were canceled, leisure activities were restricted, and consumers tightened their belts amid financial uncertainties. Luxury items, such as high-end fashion and accessories, experienced a sharp decrease in demand as people prioritized saving over indulgence. Restaurants, bars, and entertainment venues suffered as people practiced social distancing and opted for home-cooked meals and online entertainment. This shift in spending had a profound effect on industries that heavily relied on discretionary income, leading to temporary closures and job losses in certain sectors.
The Reshaping of Retail
Challenges Faced by Brick-and-Mortar Retailers and Their Responses
The COVID-19 pandemic delivered a harsh blow to brick-and-mortar retailers, forcing them to confront unprecedented challenges. With widespread lockdowns and social distancing measures, foot traffic in physical stores plummeted, leading to a sharp decline in sales. Many retailers faced the difficult decision of temporarily closing their doors to safeguard public health, which further impacted their revenue streams. However, amidst these challenges, resilient retailers adapted to the situation by swiftly embracing e-commerce solutions, offering online ordering, and implementing contactless pickup options. Some even diversified their product offerings to cater to the new demands arising from the pandemic. Though the road to recovery has been arduous, these responses have proven essential for brick-and-mortar retailers to remain connected to their customers and navigate the changing retail landscape.
Surge in Popularity of Contactless Payments and the Decline of Cash Transactions
The fear of virus transmission through physical contact prompted a remarkable surge in the popularity of contactless payments during the pandemic. Customers sought safer alternatives to cash transactions, and retailers swiftly responded by adopting contactless payment options. Whether through tap-and-go credit cards or mobile payment apps, contactless transactions provided a hygienic and efficient shopping experience. As a result, the use of cash significantly declined, with many establishments encouraging electronic payments. This shift not only accelerated the digitalization of retail but also signaled a potential long-term transformation in the way consumers handle transactions, ushering in a new era of seamless and secure payment methods.
The Emotional Aspect of Consumer Behavior
Psychological Factors Influencing Consumer Behavior During the Pandemic
The COVID-19 pandemic triggered a whirlwind of emotions across the globe, and these emotions significantly influenced consumer behavior. As people grappled with fear, uncertainty, and stress, their buying decisions were shaped by a complex web of psychological factors. One such factor was the need for a sense of control amid chaotic circumstances. Consumers sought products and services that provided a feeling of security and stability, leading to increased demand for essential items and health-related products. Moreover, the psychological phenomenon of social proof played a crucial role in consumer behavior during the pandemic. The fear of missing out and the desire to conform to societal norms drove people to make certain purchases, such as stockpiling goods or investing in trending products. Understanding these underlying psychological factors allowed businesses to tailor their marketing strategies and offerings to resonate with consumers on a deeper level.
How Fear, Uncertainty, and Changing Priorities Affected Buying Decisions
Fear of the unknown and uncertainties about the future profoundly impacted consumer buying decisions during the pandemic. The fear of contracting the virus led consumers to prioritize health and hygiene, resulting in a surge in demand for masks, sanitizers, and health supplements. Uncertainty surrounding job security and financial stability led to a more cautious approach towards spending, with consumers cutting back on non-essential purchases. Additionally, changing priorities became evident as consumers reassessed their values and lifestyles. Sustainability, community support, and ethical considerations gained prominence in buying decisions, prompting brands to align with these evolving consumer values. Acknowledging and empathizing with consumers’ emotions and shifting priorities became essential for businesses aiming to remain relevant and build lasting connections. | finance |
https://wecaraboutyou.com/insurance/life | 2023-03-30T07:30:37 | s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296949107.48/warc/CC-MAIN-20230330070451-20230330100451-00133.warc.gz | 0.952184 | 239 | CC-MAIN-2023-14 | webtext-fineweb__CC-MAIN-2023-14__0__82815244 | en | Life Insurance in and around Lock Haven
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Taking care of those you love is what keeps you going every day. You advise them on important decisions, go to work to provide for them, and take time to plan for the future. That includes getting the proper life insurance to care for them even if you can't be there.
Lock Haven CHOOSES LIFE INSURANCE FROM STATE FARM
You’ll get that and more with State Farm life insurance. State Farm has fantastic policy choices to keep your loved ones safe with a policy that’s personalized to match your specific needs. Thankfully you won’t have to figure that out alone. With strong values and outstanding customer service, State Farm Agent Cara Montarsi walks you through every step to provide you with coverage that covers your loved ones and everything you’ve planned for them. More people choose State Farm® as their life insurance company over any other insurer. Are you ready to experience what the State Farm brand can do for you? Call or email State Farm Agent Cara Montarsi today. | finance |
https://planetscotland.teclan.org/index.php/2021/03/24/twist-in-offshore-lease-auction-could-see-huge-public-funds-windfall-amid-industry-concerns/ | 2022-12-03T22:19:43 | s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710941.43/warc/CC-MAIN-20221203212026-20221204002026-00830.warc.gz | 0.950202 | 1,491 | CC-MAIN-2022-49 | webtext-fineweb__CC-MAIN-2022-49__0__52695186 | en | SCOTTISH Renewables says the next Holyrood government must work to ensure the wind power industry can to remain competitive after the initial auction price for offshore development leases skyrocketed by up to ten times the original estimates.
The rise in costs could deliver an unexpected windfall of millions of pounds more income for public funds, but raises other questions over what it means for developers who were ready to bid and ultimately customer pricing.
Crown Estates Scotland, which managed leasing of seabeds, had been ready to lease 15 of them at around £10,000 per square kilometer with a clutch of developers ready with their bids until the process was paused a month ago.
But it has been extended and the potential price increased to a top tier of £100,000 per square kilometer after a surge in pricing for a similar process in waters off England and Wales which will realise close to £900m a year for Crown Estates over the next decade.
The open auction there saw BP and other bidders pay well above what had been anticipated in their own drive for new revenue streams as they slowly begin to pivot from fossil fuels under pressure from environmental groups, politicians and shareholders.
That in turn saw Crown Estates Scotland pause their own process fearing it could lead to them missing out on potentially hundreds of millions of pounds in potential revenue.
Today it was announced the auction has been re-opened, but with the new pricing parameters and other changes around supply chain commitments (which rise from 10% to 25%) in place for the 8600km2 available.
The original process opened on January 15 and was supposed to end on March 31. A new closing date has been set for July 16 with updates on the scheme at the end of next month.
Claire Mack, CEO of Scottish Renewables which is currently hosting its annual conference, said it would be up to members to decide whether they thought the new price is one worth paying to safeguard jobs and achieve net zero targets.
She said: “The importance of the ScotWind Leasing process to the delivery of an offshore wind industry which can support thousands of jobs and our net-zero target should not be underestimated.
“Industry always understood the reasons for this delay and we are pleased that Crown Estate Scotland has delivered these changes within a matter of weeks, keeping the process on track for the majority of Scottish Renewables members who have already spent thousands of hours and millions of pounds getting ready to bid for the seabed leases they need to build their projects.
“It is now for those individual developers to decide if the new price of these leases reflects their assessment of the value of the contracts which they will need to secure from the UK Government.”
She added: “Scottish Renewables and its members are already working to increase the competitiveness of supply chain businesses.
“We will continue to work with Crown Estate Scotland and the next Scottish Government to ensure that support for the supply chain is strategically focussed in a way that enhances the competitiveness of the widest-possible range of businesses, based on evidence provided by a number of ongoing assessments, not least through the Scottish Offshore Wind Energy Council, in which industry, government and its agencies play an increasingly-important role.”
Renewable energy, and wind in particular, are seen as key drivers for a green new deal and economic recovery, already supporting more than 25,000 jobs with hopes that this could at least triple in just a few years, particularly in areas facing rising unemployment owing to geography.
Option fees are paid by successful applicants to Crown Estate Scotland in exchange for securing the rights to areas of seabed that have been identified as suitable for development in Marine Scotland’s Sectoral Marine Plan.
Funds will be returned to the Scottish Government for public spending to drive the green recovery and help deliver government priorities.
AT A GLANCE
- ScotWind Leasing will keep the same basic pricing structure for option agreements.
- The previous maximum fee that might be paid was £10,000 per km2 of seabed. This will now be increased to a maximum of £100,000 per km2.
- The threshold of Supply Chain Development Statement commitments that applicants must meet to request a lease has been increased from 10% to 25%.
- Further change of control provisions will apply to resale of options awarded.
- Additional technical information will be published by the end of April to allow registered applicants to progress their interest in ScotWind Leasing.
- The Closing Date for applications will be 16 July 2021.
Announcing the changes Amanda Bryan, Chair of Crown Estate Scotland, said: “This rapid review was undertaken to reflect the recent changes we have seen in the UK offshore wind market so that we could arrive at a pricing structure which properly reflects those changes.
“Throughout the development of ScotWind Leasing we have sought to secure best value for communities and help place Scotland as a competitive destination for the investment needed to turn potential projects in to reality.
“This review achieves both of these goals.
“We look forward to working with the offshore wind sector to realise the benefits of offshore wind for Scotland’s communities and for the environment.”
Cabinet Secretary for Environment, Climate Change and Land Reform, Roseanna Cunningham, said she was grateful for the changes being implemented quickly.
She said: “The Scottish Government’s climate change plan requires a zero carbon electricity system by 2030 – maximising offshore wind’s contribution will be vital to achieving this and therefore is a key priority for this government.
“ScotWind will support the continuing growth and expansion of this technology, harnessing this huge resource for our energy system and helping to unlock significant investment in the supply chain to create more green jobs across the sector, while seeking to achieve a fair value for Scotland’s assets.
“We know how keen the industry are to start developing and delivering projects, which is why I thank Crown Estate Scotland for undertaking this rapid review of pricing options and setting out their next steps in a timely manner which enables the developers to move forward.”
Minister for Energy, Connectivity and the Islands, Paul Wheelhouse, said the process could lead to Scotland delivering a “world leading” industry, particularly around floating offshire capabilities.
He said: “The ScotWind leasing round is critical to the delivery of a strong and vibrant offshore wind sector in Scotland that can be world-leading, particularly in the delivery of floating offshore wind technology.
“Scotland is uniquely placed to capitalise on this technology and grow an industry that not only provides electricity, but facilitates the growth of a hydrogen economy as well.
“Today’s announcement from Crown Estate Scotland balances the increasing value and demand for Scottish seabed with the need to secure a strong offshore wind supply chain which can power our green recovery from COVID-19 and help us meet our net zero target. I thank Crown Estate Scotland for completing their rapid review and look forward to the timely resumption of the ScotWind process.”
The auction sites include areas around Islay, Shetland, Orkney, Lewis, Moray and larger sites that lie off the Angus and Aberdeenshire coasts. | finance |
https://www.caravelletour.com/profile/gabrieldieterich2357913/profile | 2022-12-07T10:28:35 | s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446711151.22/warc/CC-MAIN-20221207085208-20221207115208-00547.warc.gz | 0.857005 | 3,073 | CC-MAIN-2022-49 | webtext-fineweb__CC-MAIN-2022-49__0__234561436 | en | Bitstarz casino apk, bitstarz bono sin depósito codes for existing users 2021
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http://www.chiuderemorini.net/author/lontoll/ | 2019-03-23T22:54:07 | s3://commoncrawl/crawl-data/CC-MAIN-2019-13/segments/1552912203093.63/warc/CC-MAIN-20190323221914-20190324003914-00302.warc.gz | 0.963267 | 1,421 | CC-MAIN-2019-13 | webtext-fineweb__CC-MAIN-2019-13__0__139846031 | en | If you work as an employee and have irregular income, you may think that our options for getting loans for freelancers are very small. However, Green-Touch for business loans will allow us to obtain financing.
What financing products for the self-employed exist?
People who work on their own account have it more complicated to obtain financing , since their income is somewhat more unstable than those of employees or pensioners, for example. However, we must bear in mind that if we already have a professional career as self-employed, it will probably be easier for us to be granted capital. On the other hand, if we are new entrepreneurs, it will be necessary for us to have a great idea that is profitable, viable and attractive to get them to finance us.
However, we have several options to obtain extra liquidity, since the supply of business loans for this sector of the population has grown a lot during the last years. Currently, these are the products that we can contract if we need to finance a particular project or our business in its entirety:
Financing for self-employed personal projects
- Mini online loans : with these products we can get money amounts of around 1,000 euros (in some cases, even exceed them reaching 1,200 euros) in a matter of minutes and with a refund period of 30 days in a single share. They have an average price of 1.1% daily. They are designed to solve unforeseen events and we can access them even if we do not have a payroll.
- Personal loans for projects : if we need liquidity to finance a particular project, we can request this type of products that will allow us to finance the good or service that we want. The granting of the money will depend on the income we receive, that is, that they are sufficient, justifiable and regular.
- P2P Loans : it is one of the most innovative means of financing and we can request them both to finance our business and to obtain money at a particular level. These are virtual platforms that put users in contact with financing, with people who are willing to invest to make their savings profitable. First, the person seeking funding publishes his project and the amount he needs. Then, the platform analyzes its situation and determines a level of risk that will translate into interest, that is, a higher level of risk, plus interest. Finally, investors will decide if they want to invest in our project or not.
Each of these types of loans have different characteristics and have been designed for different purposes, so it is convenient to compare the different offers and conditions to request the one that best meets our needs and adapts to our situation.
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- Lines of credit for self-employed workers : these are loans created with the specific purpose of financing small businesses. We can find these products both in private equity companies, as in banks, although these will require us to comply with more rigid requirements.
- Loans for self-employed workers and SMEs: these are products designed to invest money in a business project and we can request them from public institutions and banks.
- Credits with mortgage guarantee : these are loans with which we can get very large amounts of money (depending on the assessment made of our home) and that do not require us to justify the purpose for which we want to use it. However, before applying for one of these loans, it is important that we are aware of the risk to which we expose ourselves in case of default.
Depending on the amount of money we need, our profile and the situation in which we find ourselves, we will need to request a type of financing for self-employed or another. It is important that before requesting a product or another, we make sure that we meet the necessary requirements and that we will be able to fulfill the conditions to which we commit ourselves.
Credit requirements for self-employed workers
If we want to obtain financing for self-employed workers, the requirements that will be demanded will vary depending on the entity and the type of loan we request. If we go to banks, generally, we will submit to stricter conditions. In general, these will be the demands that we will have to meet to get money if we are autonomous:
- Being of age : being 18 years old will be essential, although in some cases we may be required to have 21 or even 25 years to access the financing if we work on our own.
- Live in Spain permanently: it will be necessary to prove that we reside in the country by presenting the DNI, NIE or passport.
- Enjoy a reasonable, sufficient and justifiable income: they will pay close attention to this requirement since when working on their own we do not have the same stability as if we received a monthly payroll. For this reason, we will have to justify by means of an official document that our compensation amounts to a sufficient amount for the entity and that we receive them constantly.
- Not be registered in any default file: if we are part of a delinquency list, such as ASNEF or RAI, our options to obtain financing for self-employed workers will be considerably reduced.
If we decide to apply for financing for self-employed people in a bank, we will probably be required to contract related products and have Social Security domiciled in the entity. In addition, the requirements that will require us will be stricter and we probably have to invest time in paperwork and travel , but if we are old customers and have a good track record, surely, we can benefit from several advantages such as a lower interest rate, more flexibility in the terms of return or the absence of commissions or links.
Documents to hire financing being autonomous
At the moment of borrowing money we will have to fill in a form with our personal and economic data. So that the entity can verify the information that we have sent to it, it will ask us to attach certain documents. Most companies and banks will require us to present the following documents if we work for someone else:
- A photocopy of our identity document NIE, NIF or passport
- Photocopy of the declaration of the rent and our patrimony
- Photocopy of our registration number as self-employed
- A proof of the income we receive
- A document showing the seniority of our company
- The last payment we made to Social Security
Before sending the documentation, it is essential that we make sure that the documents are perfectly legible and not wrinkled. Otherwise, the financial institution will ask us to resubmit the papers, which would considerably slow down the entire process.
If we go to a bank and we are already customers, we can also take advantage of certain advantages, for example, we can avoid sending as much documentation and we will lighten the application process. In the case of private entities, many of them include services such as Instantor, which will allow us to validate our data automatically and instantly. | finance |
https://www.mwcafrica.com/agenda/session/addressing-the-state-of-business-to-business-payments-in-africa | 2023-03-23T18:38:48 | s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296945182.12/warc/CC-MAIN-20230323163125-20230323193125-00607.warc.gz | 0.971865 | 277 | CC-MAIN-2023-14 | webtext-fineweb__CC-MAIN-2023-14__0__173157269 | en | According to the World Bank, B2B payments in Sub-Saharan Africa represents a $1.5 trillion market. However, the process of making and receiving payment remains largely manual, which makes it expensive and highly inefficient for businesses. Invoices are also not standardised and they are typically issued and received manually, which increases the administrative burden on business owners, taking more time and effort that can be invested into their businesses.
A recent report from Duplo which included the surveyed opinions of more than 1,000 business owners from Kenya, Nigeria, South Africa and Egypt also highlighted that 44 percent of businesses still have to wait more than 24 hours to receive payments from business customers and partners. 34 percent take up to 7 days to receive payments, 17 percent take up to 30 days and 3 percent take more than 30 days to receive business payments. This presents a significant challenge for businesses who are often unable to maximise sales and growth opportunities available to them due to cash flow restrictions induced by complex payment processes.
This presentation will explore:
- An in-depth review of the current state of B2B payments in Africa
-- Payment methods and processes across countries and sectors
- Beyond digitisation, what do African businesses need to improve their payment processes
- A case study of the impact Duplo is having on B2B payments in Africa | finance |
http://canterburytales.org.uk/groups/group-booking-form | 2016-02-13T04:29:27 | s3://commoncrawl/crawl-data/CC-MAIN-2016-07/segments/1454701166141.55/warc/CC-MAIN-20160205193926-00314-ip-10-236-182-209.ec2.internal.warc.gz | 0.937116 | 110 | CC-MAIN-2016-07 | webtext-fineweb__CC-MAIN-2016-07__0__163534292 | en | Payment must be made in advance of your visit. Full details on payment requirements will be sent to you with your booking letter or can be found in the Terms and Conditions
The Canterbury Tales accepts cash and cheques (in sterling), Switch, Mastercard and Visa. For regular customers, payment can be made direct via BACS if arrangements are made in advance.
Cheques should be made payable to Heritage Projects (Canterbury) Limited. Credit and voucher facilities are only accepted when a written agreements is established in advance of your visit. | finance |
http://www.iogturfcare.com/?page_id=848 | 2021-05-11T23:39:25 | s3://commoncrawl/crawl-data/CC-MAIN-2021-21/segments/1620243990419.12/warc/CC-MAIN-20210511214444-20210512004444-00456.warc.gz | 0.955087 | 433 | CC-MAIN-2021-21 | webtext-fineweb__CC-MAIN-2021-21__0__36976866 | en | Landmark ECB Funding deal
The England and Wales Cricket Board (ECB) is this year ploughing a massive £460,000 of support into the Institute of Groundsmanship (IOG) to co-fund a Fine Turf Project Manager and a major joint research programme.
This substantial cash injection reflects how the IOG is increasingly being recognised by cricket grounds managers as the first port of call for fine turf technical help and advice.
In addition, because the financial backing for the research project has been made with support from ECB/Sport England, the IOG has now taken another substantial step forward in achieving the Training and Education targets laid down in its Challenging Perceptions strategic plan. This outlined the IOG’s intention to invest, with partners, at least £500,000 over the next six years via its 2012 Fund.
The Fund – which will be targeted at projects that have the potential to benefit individual grounds managers, the wider industry and lead to better quality playing surfaces – will include this ECB and Sport England project, which has yet to be defined.
Commenting on the announcement, Bruce Cruse, ECB Facilities & Funding Manager, said:
“The ECB contribution towards the appointment of an IOG FineTurf Project Manager formally recognises the natural role that is being played by the IOG in providing help and advice to an increasing number of cricket grounds professionals and volunteers. The cash will ensure this function is resourced correctly and continues to provide a much-needed and highly professional service for this growing area of IOG membership.
“The £40,000 being provided with support from Sport England will help towards a major research project which will have lasting benefits for the quality of cricket grounds and, therefore, it will contribute greatly towards improved standards throughout the sport.”
Geoff Webb, IOG chief executive, said: “Our excellent ongoing relationship with the ECB has been further endorsed by these generous co-operative gestures, and I am pleased to see that we are already starting to reach some of the signposts laid down last year by our Challenging Perceptions strategy.” | finance |
https://chambermusichawaii.org/tax-wise-ways-to-give-to-chamber-music-hawaii/ | 2021-06-14T08:54:24 | s3://commoncrawl/crawl-data/CC-MAIN-2021-25/segments/1623487611641.26/warc/CC-MAIN-20210614074543-20210614104543-00558.warc.gz | 0.955693 | 462 | CC-MAIN-2021-25 | webtext-fineweb__CC-MAIN-2021-25__0__50336368 | en | Tax-wise Ways to Give to Chamber Music Hawaii
Make a Gift at Reduced Cost with Appreciated Securities
If you have stock or mutual funds that you have owned for more than one year, that pay you little or nothing, but are worth more than you paid for them, contributing some of these securities to CMH may help you save on your taxes with little impact on your current income. Giving appreciated securities directly to charities instead of cash can result in a double tax benefit that reduces the cost of your gift:
- a federal income tax deduction for the full fair market value, if you itemize deductions
- no tax owed on the capital gain you would pay if you sold them
If you like, you can use the cash you would have donated to repurchase the securities and enjoy a higher cost basis.
To make a gift of securities, please have your broker contact Audra Stevenson at Merrill Lynch at 808-525-7302 for instructions.
Giving from an IRA
If you are 70½ or older and have an individual retirement account (IRA), you have to take a required minimum distribution from the account every year, which is taxable income to you. Alternatively, you can authorize charitable gifts directly from your IRA to one or more charities, like CMH, and have those charitable gifts count as part of your required minimum distribution, but not as taxable income to you. This is a very tax-wise way to make your charitable contributions, especially if you don’t itemize deductions on your tax return.
The annual limit for an individual to give to charities in this way is $100,000. These charitable distributions must go directly from your IRA to the charities. If you withdraw the funds yourself and donate them, they will count as income to you and could increase your taxes. Therefore, please ask your account administrator to send your contributions directly to the charities you wish to support.
For CMH the address is: General Manager, Chamber Music Hawaii, P.O. Box 61939, Honolulu, HI 96839.
Thank you very much for considering support for CMH!
This information is not intended as tax or financial advice. We recommend that you always discuss charitable gifts with your advisors to help you decide what is best for you. | finance |
http://questaenergy.com/investors.html | 2017-10-19T23:53:39 | s3://commoncrawl/crawl-data/CC-MAIN-2017-43/segments/1508187823482.25/warc/CC-MAIN-20171019231858-20171020011818-00046.warc.gz | 0.951623 | 476 | CC-MAIN-2017-43 | webtext-fineweb__CC-MAIN-2017-43__0__205868944 | en | Questa Energy Corporation is continually developing oil and gas projects primarily in the Mid- Continent region. Questa retains a substantial equity position in most projects, and the remaining interests are offered to knowledgeable investors and industry participants. A typical project is developed by securing acreage based on specific geologic conditions. A prospectus can be created once the acreage is secured. The prospectus may include a geologic, land, and engineering summary, geologic and land maps, an estimate of costs in the form of an Authority for Expenditure (AFE), a participation agreement and joint operating agreement (JOA).
Exploration efforts are concentrated in niche areas where we can utilize our local knowledge and expertise. Projects range from horizontal drilling and aquisition programs in the Texas Panhandle and Oklahoma to vertical drilling programs in Western Kansas. Questa minimizes its drilling risk in its Western Kansas drilling programs by utilizing 3-D seismic, along with other proprietary technologies. We have participated in an extensive number of 3-D projects and rely on our experience, expertise and analogs in new project development. We require adequate data to be able to analyze prospective acreage for a potential drilling location to insure a quality reservoir capable of producing substantial quantities of oil and gas. Projects target long life reserves (15-20 years+) and quick pay-outs (36 months or less) and rates of return are expected to be no less than 20%.
Direct participation in oil and gas is for the risk tolerant investor. Oil and gas investment provides an inflation hedge, as well as diversity to an equity investment portfolio.
Direct participation in oil and gas can generate several tax benefits. These benefits range from large up front deductions for intangible drilling costs (IDC), to tax credits for the development of certain types of tight formations. Deductions are generated mainly from the cost of nonsalvageable equipment or services conducted during the drilling phase, testing, and/or completion of the well.
As is evident from this discussion, the tax benefits generated by a direct participation in oil and/ or natural gas are substantial. The immediate deduction of the intangible drilling costs or IDCs is very significant, and by taking this up front deduction, the risk capital is effectively subsidized by the government by reducing the participant's federal and possibly, state income tax. Each individual participant of course, should consult with their tax advisor | finance |
https://thegroundlevelinc.com/blogs/news/why-do-daycare-centers-fail | 2023-01-28T04:03:13 | s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764499470.19/warc/CC-MAIN-20230128023233-20230128053233-00214.warc.gz | 0.937824 | 712 | CC-MAIN-2023-06 | webtext-fineweb__CC-MAIN-2023-06__0__47080072 | en | April 12, 2021
In today's business environment, a daycare center seems like a stable enterprise. As parents return to work, children need to be looked after.
Daycare centers provide an all-day reliable service for busy parents. And, these facilities help children learn and socialize in a safe environment.
In the United States, the childcare industry creates a combined revenue of more than 21 billion USD. And, there are more than 54,000 daycare facilities across the country. Even with this promising data and need for the service, why do daycare centers fail?
Failing daycare centers can happen to new or old businesses. This is the result of many factors: lack of expertise, unwillingness to change or grow, or financial issues. Read on to learn (and avoid) these reasons why daycare centers fail.
Like any business, a daycare center's priority (besides childcare safety) is profitability. To be profitable and avoid daycare center mismanagement, business leaders must be knowledgeable.
Management needs to have the know-how to run your center. This includes accounting, marketing, and much more. Daycare centers can fail because of this lack of business acumen.
Consider investing in yourself or your employees to improve expertise. Books, podcasts, or business coaching can add value to your business and help maintain profitability.
In times of COVID-19, daycare centers have faced tremendous strain on business operations and contracting new clients. You may have shifted your business model and adopted new hygiene processes that weigh on your bottom line.
But, some poorly run daycare centers are not taking these changes and new restrictions seriously. In turn, parents are not willing to trust these facilities to take care of their children.
Consider COVID-19 restrictions as a way to instill trust and reputability in your clients. Adapting to this "new normal" helps you avoid the disappointment of a closed-down daycare center.
Are you buying inventory for your daycare business? To avoid a business failure, it is important to buy quality products.
For example, The Ground Level Inc. toddler cot sheets are affordable but do not sacrifice quality. These sheets are made of excellent fabric and are long-lasting.
Quality inventory can help differentiate your business in terms of marketing. And, long-lasting items will save your business money over time.
Do parents pay you on time? Have you missed a monthly bill payment? Do you have a budget for your business?
Managing your finances is key to avoiding a daycare business failure. While a business advisor or accountant can help, it is important that you are tracking your own balance sheet and cash flows. A monthly business audit can help reveal impending financial issues like overspending, missed payments, or invoices.
So, why do daycare centers fail? It comes down to making poor business decisions. Whether you have been in business for years or just opened, bad decisions like financial mismanagement will cost you clients and stability.
Remember, the daycare industry is a booming industry. Avoiding these missteps can help you maintain your business and profitability long-term.
If you are looking for more ways to add value to your business, contact The Ground Level Inc to learn more or purchase our products. Our Made in America childcare items can add quality to your daycare center.
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August 30, 2021
August 26, 2021
July 29, 2021 | finance |
https://www.fgb.com/wills-trusts-and-estates/ | 2023-02-04T13:00:38 | s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764500126.0/warc/CC-MAIN-20230204110651-20230204140651-00770.warc.gz | 0.935049 | 182 | CC-MAIN-2023-06 | webtext-fineweb__CC-MAIN-2023-06__0__171477063 | en | The following attorneys practice in the Estate Planning and Administration Practice Group:
Our Firm has a large estate planning practice which includes everything from the preparation of basic wills and trusts to the preparation of complex, tax-motivated estate plans for high net worth individuals and their families.
We recognize that every person’s and every family’s situation is unique, so we take care to develop a personalized estate plan for each client. Our estate and trust administration services include advice regarding after-death income and estate tax planning, disclaimer planning, valuation discount planning and the preparation and filing of federal and state estate tax and income tax returns.
Estate planning techniques our Firm may utilize include:
Through the use of state-of-the-art computer software, we administer over 100 estates, trusts, charitable remainder trusts, and private foundations.
FGB also handles IRS audits of federal estate tax returns. | finance |
https://uprove.tech/portfolio/executive-coaching-consulting-conversebank/ | 2024-02-26T11:38:27 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474659.73/warc/CC-MAIN-20240226094435-20240226124435-00252.warc.gz | 0.928843 | 301 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__32209983 | en | Customer: ConverseBank is a leading Armenian bank with a strong position in the country’s banking sector. Established in 1993 as a “North -Armenian” joint stock Bank and rebranded as ConverseBank in 1994, it offers comprehensive financial services to individuals and businesses. Being a part of the global company, Corporacion America, the bank undergoes continuous development based on global market needs. Throughout its digital transformation journey, ConverseBank has prioritized the seamless integration of technology into its services, aiming to provide customers with convenient and efficient banking experiences. The bank constantly works toward leveraging cutting-edge digital tools, to ensure that its customers can access their financial services anytime, anywhere.
Provisioned Service: With ConverseBank, our objective is to empower the team of C-Suite executives by instilling the necessary mindset and knowledge to effectively address challenges in the fintech world, enabling them to emerge as leaders in the digital financial services era. To accomplish this, we begin by focusing on what we consider to be the fundamental element of Agile mindset. In financial industries, a rigid and fixed mindset is often prevalent, so we collaborate closely with the executives to shift their perspective towards an Agile mindset. Additionally, we provide comprehensive tailored training sessions about Agile Project Management and Digital Transformation, tailored specifically to the executives, equipping them with the essential tools and techniques required to navigate the ever-evolving landscape of digital financial services and fintech. | finance |
https://trezor-welett.gitbook.io/us | 2024-04-23T10:29:36 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818474.95/warc/CC-MAIN-20240423095619-20240423125619-00268.warc.gz | 0.902902 | 777 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__35912742 | en | Trezor Wallet: Safeguarding Your Cryptocurrency Assets
In the ever-evolving landscape of cryptocurrency, security and control over digital assets are paramount. Trezor Wallet emerges as a pioneer in providing users with a secure, user-friendly solution to store, manage, and transact cryptocurrencies. In this comprehensive guide, we explore the features, benefits, and functionalities of Trezor Wallet, empowering users to make informed decisions about their digital asset management.
1. Introduction to Trezor Wallet
Trezor Wallet is a hardware wallet developed by SatoshiLabs, designed to provide users with a secure and intuitive way to store and manage their cryptocurrencies. It offers an offline storage solution, keeping users' private keys safe from online threats such as hacking and phishing attacks.
2. Key Features of Trezor Wallet
Hardware Security: Trezor Wallet utilizes cutting-edge hardware security features to protect users' private keys and digital assets. It stores private keys in a secure element, inaccessible to unauthorized parties, ensuring the highest level of protection against theft and fraud.
User-Friendly Interface: Trezor Wallet features an intuitive user interface that simplifies the process of managing cryptocurrencies. With its easy-to-navigate dashboard, users can easily view their account balances, send and receive transactions, and manage their portfolio with ease.
Multi-Currency Support: Trezor Wallet supports a wide range of cryptocurrencies, including Bitcoin, Ethereum, Litecoin, and more. This versatility allows users to store and manage multiple digital assets in a single wallet, streamlining their portfolio management process.
Backup and Recovery: Trezor Wallet offers robust backup and recovery options, ensuring that users can securely access their funds even in the event of a lost or damaged device. Users can generate a recovery seed during the setup process, enabling them to restore their wallet on a new device if necessary.
3. Benefits of Using Trezor Wallet
Enhanced Security: With its offline storage solution and advanced encryption features, Trezor Wallet provides users with unparalleled security for their digital assets. By keeping private keys offline, users are protected from online threats such as hacking and malware attacks.
Complete Control: Trezor Wallet gives users complete control over their cryptocurrencies, allowing them to manage their funds independently without relying on third-party custodians. This decentralized approach ensures that users are the sole custodians of their assets, mitigating counterparty risk.
Ease of Use: Despite its advanced security features, Trezor Wallet remains incredibly user-friendly, making it accessible to both novice and experienced cryptocurrency users. Its intuitive interface and straightforward setup process enable users to start managing their digital assets with minimal hassle.
4. Getting Started with Trezor Wallet
Getting started with Trezor Wallet is a straightforward process:
Hardware Setup: Users need to purchase a Trezor hardware wallet and follow the setup instructions provided. During the setup process, users will generate a recovery seed, which is essential for restoring their wallet in case of emergencies.
Wallet Initialization: Once the hardware wallet is set up, users can initialize their Trezor Wallet using the Trezor Bridge software. This software allows users to interact with their hardware wallet and manage their cryptocurrencies securely.
Using Trezor Wallet: With their Trezor Wallet initialized, users can start sending and receiving cryptocurrencies, managing their portfolio, and exploring additional features such as password management and two-factor authentication.
Trezor Wallet stands as a beacon of security and usability in the cryptocurrency space, offering users a reliable solution to safeguard their digital assets. With its advanced security features, user-friendly interface, and multi-currency support, Trezor Wallet empowers users to take control of their financial sovereignty and navigate the world of cryptocurrencies with confidence. | finance |
http://www.villa-piccolo-mondo.ch/en/belegung-preise.html | 2023-09-22T05:53:22 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506329.15/warc/CC-MAIN-20230922034112-20230922064112-00569.warc.gz | 0.933628 | 129 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__291643046 | en | The price is a flat rate including kitchen towels, children's bed, WLAN and parking.
Final cleaning, bed linen and tourist taxes must be paid separately.
Cleaning Apartment:CHF 90.-
Bed linen per bed:CHF 15.-
Tourist tax per night and person (older than 14 years):CHF 2.00
For two weeks and more, we grant a discount of CHF 100.-
The booking calendar is available on the website in German language.
During the low season individual nights can be booked. Minimum are 2 nights.
During the peak season is always charged a whole week. | finance |
https://voltaire.vc/en/ | 2024-02-27T21:48:55 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474686.54/warc/CC-MAIN-20240227184934-20240227214934-00666.warc.gz | 0.931243 | 827 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__204135237 | en | «We are a team of professionals specializing in business law and insolvency management. Relying on our experience, attention to detail and fresh insight, we offer sensible, informed solutions that enable favourable outcomes to be achieved.
We prefer to resolve conflicts by negotiation wherever possible. If a dispute cannot be avoided, we quickly get down to business with dedication and commitment, following the dictum the law aids the vigilant.»
Managing Director of the company. Employment history includes significant experience with the Russian tax authorities and international law firms. Graduated from the Faculty of Law of Lomonosov Moscow State University in 2001.
Over 10 years' experience in the field of bankruptcy, including with the tax authorities and at major foreign banks. Bankruptcy administrator, registration number 17654.
Employment history includes significant experience with the Russian tax authorities, state arbitration (commercial) court and federal bailiffs service. Holder of degrees in law, economics and medicine.
Graduated from the International Law Faculty of MGIMO University (honors degree). Speaks English and Spanish. Previous experience includes work at an international organization focused on promotion and protection of human rights.
Graduated from Kutafin Moscow State Law University with honors.
Support company’s activities in the field of wholesale and retail goods. Optimal structuring of contractual relations between suppliers and buyers (including distributors and franchisees). Counseling and representation of producers and sellers in the pre-trial stage and in courts regarding consumer rights enforcement.
Counseling on tax administration issues, including those during various tax monitoring interventions (in particular, field tax inspection), representing taxpayers during appeal of tax authorities’ decisions made on the basis of inspection results and/or in connection with compulsory tax debts collection measures.
Support financial recovery of the enterprises, prepare and approve settlement agreements between the debtors and creditors. Counseling and representing interests of the client participating in the bankruptcy case (bankruptcy creditor, the debtor, his controller) at different stages of bankruptcy process, including those connected with cross-border (international) bankruptcy.
Legal support in land plots and buildings sale and acquisitions, and long-term lease transactions. Advising on complex real estate deals and legal representation in disputes over title to real estate. Cadastral value appealing.
Advising on the regulatory impact of draft laws and subordinate legislation, preparing, and presenting corresponding opinions on behalf of entrepreneurs and commercial companies. Participating in expert groups and commissions, business councils and industry committees on behalf of business representatives with the aim of bringing about fair and balanced administrative and legal regulation of the activities of industry participants in specific sectors of the Russian economy.
Advising and representing clients on family and inheritance law matters at both the pre‑trial and trial stages, including:
— marriage: divorce; discovery and division of matrimonial assets (including joint businesses); establishment of spousal maintenance obligations;
— marriage contracts: legal support of the conclusion, fulfilment, amendment, termination, and invalidation of marriage contracts;
-inheritance: advising on intestate succession and testamentary succession; legal support of the conclusion, fulfilment, amendment, termination, and invalidation of inheritance contracts; inheritance fund – advising on and legal support of the formation and management of inheritance funds; establishment of kinship and other facts of legal significance; reinstatement of the time period for acceptance of inheritances.
Advising on any issues of applying employment and migration law on behalf of entrepreneurs and commercial companies; advising on the optimization and restructuring of personnel; developing and assisting in downsizing procedures and mass redundancy programs; legal support for employers in settling individual and collective employment disputes.
Advising clients on amendments to the constituent and corporate documents of organizations. Structuring and full support of transactions on sale and purchase of shares and participatory interest in authorized capitals of corporations, including due diligence of acquired businesses. Drawing up an algorithm of actions in case of intention of participants of organizations to conduct an audit of organizations.
Holding general meetings of participants and shareholders of companies, full legal support of the procedure. | finance |
https://taxpartnersnw.com/protecting-yourself-after-the-equifax-hack/ | 2024-04-22T22:22:36 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818374.84/warc/CC-MAIN-20240422211055-20240423001055-00820.warc.gz | 0.954605 | 820 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__89651800 | en | Another day, another information breach. Ho hum, right? No. This one is different. Equifax estimates that identifying information for 143 million people has been hacked from their website. Chances are, it includes you. Even if you went to their website and it says it didn’t affect you, it’s time to start taking steps to protect yourself.
In the past, we have advised you to freeze your credit if your identity was stolen. This time, the information that was stolen is enough that a person could unlock your credit without you knowing. Those of us with frozen credit aren’t in the habit of checking it, so they could do a lot of damage before you find out.
You can notify one credit bureau that you want a fraud alert placed on your account, and they will notify the others. Here is where to go for Transunion. https://www.transunion.com/fraud-victim-resource/place-fraud-alert Here is the site for Experian. https://www.experian.com/fraud/center.html We’ll just figure Equifax has done enough damage already and leave them off the list. Put a reminder on your calendar to do new fraud alerts every 90 days.
I still suggest that you get a free credit report here https://www.annualcreditreport.com/index.action. You can get one from each of the three credit bureaus every year. So get one today from one, get one in four months from another, and get another from the third four months after that. You won’t have to pay anything, and you’ll be monitoring your credit on a consistent basis.
If you want to pay someone to do this for you, this is what companies like Lifelock are for.
Go here https://www.irs.gov/individuals/get-transcript and create an account for yourself. Make a note in a safe place of the information you used and your password. This will stop someone from going in to the IRS records, getting your tax returns and doing mischief with them.
Finally, I have set up my bank account so that I receive an alert anytime money is taken out of my checking or savings account, or a charge is made on my credit card. This was very easy to do online.
It’s important to note that you need to be vigilant about all this forever. Equifax is offering credit monitoring for only one year. My identity was stolen four years ago, and I still get notices every few months that someone is trying to open credit in my name. Once your information is out there, you can’t get it back.
Irritated that you are caught in this web? Welcome to the club. If you visited the Equifax site and it says that you weren’t affected, don’t heave too big a sigh of relief, it’s only a matter of time. Once you’ve taken the steps above, get another coffee and write an email to your Congressperson letting them know your opinion of the current system. These credit bureaus collect amazing amounts of information about us, we have no control over what they do with it, and now it turns out they didn’t keep it secure. It’s not like we can go out and get a new social security number. It’s time for Congress to take a look at this issue and make some rules to protect us. Here’s where you can go to find an email address for your member of Congress. https://www.house.gov/representatives/find/ And here’s where you can find contact information for your senators. https://www.senate.gov/general/contact_information/senators_cfm.cfm?OrderBy=state&Sort=ASC
As always, feel free to call us if you have any questions! | finance |
https://wabashaswcd.com/grant-reports | 2022-06-26T16:44:42 | s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103271763.15/warc/CC-MAIN-20220626161834-20220626191834-00778.warc.gz | 0.939659 | 129 | CC-MAIN-2022-27 | webtext-fineweb__CC-MAIN-2022-27__0__206483922 | en | On November 4, 2008, Minnesota voters approved the Clean Water, Land & Legacy Amendment to the constitution to:
The Amendment increases the sales and use tax rate by three-eighths of one percent on taxable sales, starting July 1, 2009, continuing through 2034. Those dollars are dedicated to four funds: Outdoor Heritage Fund, Clean Water Fund, Parks and Trails Fund, and Arts and Cultural Heritage Fund.
Click here for more information: http://www.legacy.leg.mn/
Wabasha SWCD has received funding from the Clean Water Land & Legacy Fund to help support the overall goal of the amendment. | finance |
http://element47.com.au/index.php/what-we-do | 2021-04-12T04:05:00 | s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618038066568.16/warc/CC-MAIN-20210412023359-20210412053359-00258.warc.gz | 0.941337 | 394 | CC-MAIN-2021-17 | webtext-fineweb__CC-MAIN-2021-17__0__214880179 | en | Right now, power is flowing invisibly throughout your building. Every time a refrigeration unit powers up or a bank of lights is switched on, a silent withdrawal of sorts is taken from your business’ bank account.
Likely, this electricity is costing you thousands, if not tens of thousands of dollars each month.
A huge expense item on your financial statement that few are paying attention to.
Element47 is your comprehensive solution to that problem. We are unique in our capabilities. No one else can deliver these kinds of solutions.
We give you the tools to monitor, control and reduce your energy costs. We can even help you capture and utilize your building’s solar energy potential, with no upfront cost to you.
Like a pair of X-ray glasses, our advanced metering technology can show you exactly how much energy your facility is using and where it is being used. Not next month, or next week, but minute by minute, in real-time.
Once at the controls of our client interface, you are no longer a passive observer. Like an Energy Loss Prevention Department, you are now the master of your facility’s energy usageand have customized, actionable data at your fingertips. If a rooftop AC unit is powered on, you will see it. 24 hours a day.
Information without action is useless. That is why we partner with you and your company to identify opportunities for usage reduction, improvements in efficiency, and more aggressive, competitive pricing from the power providers. Through our industry expertise and leverage, we will secure the most aggressive energy rates and the best service available to anyone in your market.
Through our Solar Power Purchase Agreements, we will install the necessary equipment to capture your building’s solar energy potential at zero cost to you. Then, simply purchase the generated power from us at a fraction of normal utility rates. At the end of the agreed term, the equipment is yours. | finance |
http://www.imglobal.com/img-insurance/medical-evac/sky-rescue-insurance/optional-coverage.aspx | 2014-04-19T12:28:45 | s3://commoncrawl/crawl-data/CC-MAIN-2014-15/segments/1397609537186.46/warc/CC-MAIN-20140416005217-00034-ip-10-147-4-33.ec2.internal.warc.gz | 0.916832 | 273 | CC-MAIN-2014-15 | webtext-fineweb__CC-MAIN-2014-15__0__20636968 | en | This optional coverage is available for the primary insured person only. This coverage is in addition to the $100,000 Accidental Death and Dismemberment included in the Sky Rescue plan. Coverage must be purchased for a minimum of three months.
| ||3 months ||6 months ||12 months |
|Up to $100,000 additional coverage ||$38 ||$48 ||$60 |
|Up to $200,000 additional coverage ||$76 ||$96 ||$120 |
|Up to $300,000 additional coverage ||$114 ||$144 ||$180 |
|Up to $400,000 additional coverage ||$152 ||$192 ||$240 |
* This Web page contains only a brief summary of current benefits, conditions, limitations and exclusions, and is subject to all the terms and conditions of the full Certificate of Insurance. The complete Certificate of Insurance with all terms, conditions and exclusions will be included in the fulfillment kit sent to approved applicants. These plans are amended, modified or replaced from time to time, and IMG reserves the right to issue the most current Certificate of Insurance for this insurance plan in the event this Web page, application, and/or brochure has expired, is modified, or is replaced with a newer version. Samples of current Certificate wordings are available upon request. | finance |
https://www.meyc.co.uk/terms-and-conditions.htm | 2024-02-29T21:56:11 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474853.43/warc/CC-MAIN-20240229202522-20240229232522-00127.warc.gz | 0.944433 | 1,091 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__168403872 | en | A completed and signed registration form and fee of £100 is required to book a place at MEYC. The Registration Fee is NON REFUNDABLE.
ALL fees are invoiced on a monthly basis, (during the first week of each month). Payment is due on receipt of invoice before day 7 of each month in advance of each monthly period. Fees are reviewed annually.
Any invoices that are not paid during the first week of each month will incur an automatic penalty charge of 10%. In rare cases where the services of a debt collector becomes necessary, a statutory charge of £100 will be added to cover costs.
Fees may be paid by a monthly standing order, online payment, cheque, cash or Credit/Debit cards via the Office.
Additional hours/sessions at the Centre may be arranged at any time with the office staff and can be taken up immediately if space is available. The extra time will be charged separately, and payment is due on receipt of the adjusted or new invoice.
Parents wishing to withdraw their child or reduce their sessions will be required to give a month’s notice in writing of their intention or forfeit the month’s fees in lieu. Written notification must be received before the 1st of each month when invoices are produced and sent out.. Email or written communication of intention to leave are both acceptable.
Fees remain due in good faith, regardless of bank holidays, emergency closure (e.g. severe flooding, snow, boiler defects) or any absence due to illness, family holiday or excursion.
Places will be confirmed by MEYC as soon as possible after receipt of completed paperwork and the registration fee. You will be sent final confirmation of your booking at which point your place becomes contractual and you will be liable for payment of the first month’s fees. Alternatively a month’s notice in writing prior to the starting of a new child is required to cancel a confirmed new booking.
An annual fee of £12 is charged to parents at the start of each academic year (September). This charge covers the software costs for personal NEF funding and a contribution towards online per capita Tapestry costs for the personal communication system which records children’s progress.
To better support quality, staff/child relationships and nurturing/bonding processes, the following minimum requirements will apply:
a. Baby Care children are required to attend for a minimum of 2 x short day (9-3) sessions per week
b. Butterfly children at least 2 sessions weekly to support settling in.
c. Toddler Department children are required to attend for a minimum of 2 x short day sessions per week (9-3)
d. Nursery children are required to attend for a minimum of 2 short day sessions weekly (9-3)
e. Barn Owl children are required to attend for a minimum of 3 short day sessions weekly (9-3)
Children may choose to attend 2 Settings and NEF income can be split, but such a decision may disrupt the quality and continuity of a child’s education.
Payments can most easily be made online: Sort code 20-98-61 Account No: 00107115. Cheques should be made payable to MEYC or Madresfield Early Years Centre and can be posted or delivered to the office. Any queries regarding invoices can be discussed with the Finance Team, on 01905 749291 between 9am-2pm daily, during term time. The Centre is fully registered to receive Government Funding for 2,3, & 4 year olds. This is automatically applied for on your behalf. Pupil Premium and Special Needs Funding can also be applied for with parental permission and appropriate forms. Any cash payments will be checked, at hand-over and a receipt will be issued.
A full and comprehensive copy of all the Centre’s Policies & Procedures is available from the office. Policies and Procedures as well as Terms and Conditions are updated regularly in accordance with legal changes and County recommendations. It will always be the information in the most recently updated copy that is applicable.
It is the responsibility of all parents and carers to familiarise themselves with the Term & Conditions and policies of the Centre and to keep the Centre informed of any alterations to their personal and contact details. Updated information should be received in writing or by email at the office to enable all records to be updated. ([email protected])
In the event of an emergency, should parents be unavailable they must agree to staff and medical personnel acting in loco parentis, in the child’s best interests, until parents arrive or can be contacted.
The Office is open in term time only between 9am-3pm Monday to Friday. Administration can only be dealt with during these times and NOT during the holiday periods when the Office is closed. Childcare Staff should not be burdened with financial and administration matters.
Photographs taken of children at the Centre will be used for wall displays, children’s records, website updates, Centre Social Media accounts and for occasional newspaper articles of special events, unless parents confirm in writing, their objection to this.
Hayswood Farm, Madresfield, Malvern, Worcs, WR13 5AA
Registered in England & Wales: 03597604 | finance |
https://myenergymonster.com/ma/go-solar/owning-vs-leasing/ | 2023-09-29T16:50:22 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510520.98/warc/CC-MAIN-20230929154432-20230929184432-00737.warc.gz | 0.930182 | 184 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__238297425 | en | Congratulations on deciding to go solar! As you may know, there are two very different options for going solar. You can buy or lease solar panels for your home. There are pros and cons to each option, but both options afford you the same ability to enjoy fantastic environmental benefits.
Yes! A 26% federal tax credit and a $1000 state of MA tax credit is available for every solar installation. You may also enroll in the Massachusetts SMART program, which allows you to collect payment for all of the solar energy you produce regardless of if you use it or send it out to the grid (this is separate from net metering). Commercial solar installations are eligible to depreciate their solar installations on top of the tax credits.
The size of your project will dictate how long it will take. Most residential installations typically take a couple of days.
Yes! 100% financing is available subject to credit approval. | finance |
http://www.tfgfinancial.net/location.cfm | 2015-07-29T11:25:14 | s3://commoncrawl/crawl-data/CC-MAIN-2015-32/segments/1438042986423.95/warc/CC-MAIN-20150728002306-00168-ip-10-236-191-2.ec2.internal.warc.gz | 0.895733 | 360 | CC-MAIN-2015-32 | webtext-fineweb__CC-MAIN-2015-32__0__188732464 | en | Tim C. FitzGerald, MSFS, AEP®; Warren C. Bradley, R. Matthew Hudnall, and Drew McDonald are agents collectively licensed to sell insurance through New York Life and may be licensed with various other independent insurance companies in the state(s) of AR, LA, TX, MS, AL, VA, WV, NY, AZ, CA and WA. No insurance business may be conducted outside these state(s) referenced. Tim Fitzgerald AR Ins. Lic. #33049, R. Matthew Hudnall AR Ins. Lic #413955.
Tim C. FitzGerald, MSFS, AEP®, Warren C. Bradley, and R. Matthew Hudnall are Registered Representatives of and offer securities products & services through NYLIFE Securities, LLC Shreveport General Office, 401 Edwards Street, Suite 1700, Shreveport, LA 71101, (318) 222-4143 Member FINRA/SIPC, a registered broker-dealer. In this regard this communication is strictly intended for individuals residing in the state(s) of AR, LA & TX. No offers may be made or accepted from any resident outside the specific state(s) referenced.
Tim C. FitzGerald, MSFS, AEP® and R. Matthew Hudnall, MBA are also separately registered as investment adviser representatives with Eagle Strategies LLC, Registered Investment Adviser, offering advisory services in the state(s) of AR, TX & LA. As such, these services are strictly intended for individuals residing in the specific state(s) referenced.
TFG Financial, LLC is not owned or operated by Eagle Strategies LLC, a Registered Investment Adviser or NYLIFE Securites LLC or any of their affiliates. | finance |
https://www.eastvaalwitbank.co.za/buy/2020-ford-ranger-my19-3-2-tdci-xlt-4x4-dcab-mpumalanga-witbank_100107 | 2021-01-26T19:00:23 | s3://commoncrawl/crawl-data/CC-MAIN-2021-04/segments/1610704803308.89/warc/CC-MAIN-20210126170854-20210126200854-00332.warc.gz | 0.750821 | 878 | CC-MAIN-2021-04 | webtext-fineweb__CC-MAIN-2021-04__0__142396743 | en | 5 Star Safety Rating, Airbag - Driver, Pass & Sides, Audio Control on Steering Wheel, Automatic Headlight Control, CD Front Loader, Central Locking Key, Climate Control, Comfort Access, Electric Windows - Front & Back, Fog Lamps - Front, Fog Lamps - Rear, Leather Seats, Navigation System, Park Distance Control (PDC) - Front and Rear, Radio/USB, Rain Sensor W/screen Wipers, Rear Window De-mister, Reverse Camera, Rubberised Load Bin, Service Plan - Balance of, Smash and Grab, Towbar, Traction Control, . Not easy to find these manual 4x4 bakkies any more. Ideal towing vehicle. Come and buy this bakkie and turn it into your dream overlanding machine or work horse! Finance can be arranged and trade-ins welcome.
Factory Features on this Model
ABS, Electronic brakeforce distribution, Auto Windscreen Wipers, Air bags 7, Auto lights, Day lights, Auto lock, ISO fix, Power steering, Steering adjustment, Cruise control, Seats 5, Electric mirror fold, Spare wheel FULLSIZE, Keyless entry, Air conditioner, Electric windows, Radio, Leather, Remote side mirrors, Park distance - rear, Satelite navigation, Alloy wheels, Fuel DIESEL, Engine LONGITUDINAL INLINE 5, Engine size 3198cc, CO2 225g/Km, Power 147kW@3000, Torque 470Nm@1500, DOHC 4 VALVES PER CYLINDER, Gears 6, Drive 4, 0-100Km/h 0sec, Top speed 0Km/h, Boot capacity 0 litres, Average fuel consumption 7.5l/km, Service interval 15000kmTap/Click to view detailed specifications...
||4 YEAR/120000KM WARRANTY, 6 YEAR/90000KM SERVICE PLAN, 5 YEAR CORROSION, 3 YEAR ROADSIDE ASSISTANCE|
|Maintenance or Service Plan||YES|
|Driver Air Bag||YES|
|Passenger Air Bag||YES|
|Side Impact Air Bag||YES|
|Impact Tensioning Seat Belts||YES|
|Engine||LONGITUDINAL INLINE 5|
|Valves||DOHC 4 VALVES PER CYLINDER|
|Power||147 kw at 3000 rpm|
|Manual / Automatic||MANUAL|
|Average Consumption||7.5 L/100km|
|Fuel Supply||TURBOCHARGED COMMON RAIL INJECTION|
The finance calculator is a form of loan simulator and is NOT AN OFFER by Eastvaal Witbank, its management, employees, representatives, agents or affiliates of any kind. It is provided to you for information and convenience purposes only and does not constitute financial advice in any form or manner. It is a guide only, which is based on certain assumptions and approximations, and we do not guarantee the accuracy of any information thereof. Eastvaal Witbank, its management, employees, representatives, agents or affiliates DO NOT ACCEPT RESPONSIBILITY for any errors or omissions whatsoever in relation to the finance calculator, and DO NOT ACCEPT LIABILITY for any loss, damage, inconvenience experienced or otherwise, caused in respect of any reliance on the finance calculator or information on this website.
The finance calculator will not pre-qualify you for any loan programs whatsoever.
Actual instalments on loans obtained with financial institutions will vary depending on:
Please note that you should seek appropriate financial advice before concluding any loan agreements.
*All calculations, rates quoted and payments shown are GUIDELINES ONLY and are not quotations. The final rates and payments can only be determined by your Finance House once they have assessed all your information (completed in a finance application form). By using this calculator, you hereby INDEMNIFY Eastvaal Witbank, its holding, associated or partner companies against any loss or liability which you may suffer as a result of using the calculator. All information provided to you on this website is for illustrative purposes only and may not be considered to be ADVICE. | finance |
http://www.strokeaiduk.co.uk/help-and-support/4594420090 | 2019-10-14T20:47:45 | s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570986655310.17/warc/CC-MAIN-20191014200522-20191014224022-00064.warc.gz | 0.958523 | 709 | CC-MAIN-2019-43 | webtext-fineweb__CC-MAIN-2019-43__0__139764470 | en | Designed by a Stroke survivor to support Stroke victims
Fundraising total: £2010
ESA is a benefit paid to people whose ability to work is limited by ill health or disability
ESA replaced new claims for Incapacity Benefit and Income Support from 27 October 2008. Claimants already receiving Incapacity Benefit, Income Support paid because of illness or disability or Severe Disablement Allowance (SDA) continued to receive those benefits as long as they remained eligible. However, in 2010 it was announced that these claimants would be switched to ESA between Spring 2011 and 2014.
This is payable to someone who is incapable of work because of sickness or disability. It is only paid to someone who is employed and who earns more than the National Insurance lower earnings limit. When Statutory Sick Pay runs out or you stop being employed, you may be able to claim other benefits
Personal Independence Payment (PIP) is extra money to help you with everyday life if you've an illness, disability or mental health condition. You can get it on top of Employment and Support Allowance or other benefits.
Universal Credit is a new benefit which will be introduced over an extended period with the aim of national coverage by 2017. More information can be obtained from https://www.gov.uk/universal-credit/overview
Income-based Jobseeker’s Allowance
Income-related Employment and Support Allowance
Child Tax Credits
Working Tax Credits
(From April 2014 people of working age who are in work will claim Universal Credit instead of current tax credit)
Working Tax Credit. You may be able to claim Working Tax Credit if you are disabled and work at least 16 hours a week. You must have a disability that makes it difficult to get a job. You must be receiving, or have recently received, a qualifying sickness or disability related benefit. However this may affect other income related benefits you get - for example Housing Benefit and Council Tax Benefit. Call the Tax Credit Helpline on 0345 300 3900.
Child Tax Credit. This is a payment to support families with children. It can be claimed by those responsible for at least one child or young person. The amount of the payment depends on your circumstances and income levels, but could include a baby element, disability element or severe disability element.
If you are aged 16 or over and spending at least 35 hours a week looking after someone who is getting or waiting to hear about getting Attendance Allowance or Disability Living Allowance. Carers Allowance is taxable and may affect your other benefits
If you are on a low income, whether you are working or not, and paying rent
You may qualify for a discretionary housing benefit to help with the shortfall in your rent. Your local council should have further details.
If you think you may be affected by this Cap the DWP have set up a Helpline to help answer questions about the cap. The number is 0845 605 7065 between 8am and 6pm
If you wish to challenge decisions made on your benefit claims you can ask for written statements of the reasons for the decision made. If you still believe this is incorrect decision you can ask for it to be look at again and/or appeal. Time limits are very strict and you are usually given one month to dispute a decision so it is important to seek advice quickly.
If you are an older person with concerns about this information your local Age UK may offer you some assistance.
Help and Support | finance |
http://blogs.solaramerica.org/ob010/sunrun-is-the-solar-company-getting-it-right/?s1=OutB005_CA_DT&campid=OutB005_CA_DT&s2=5300752&s3=Thinking+About+Getting+Solar+Panels%3F+Read+This+F&utm_source=Outbrain | 2019-05-26T07:12:07 | s3://commoncrawl/crawl-data/CC-MAIN-2019-22/segments/1558232258862.99/warc/CC-MAIN-20190526065059-20190526091059-00551.warc.gz | 0.955266 | 462 | CC-MAIN-2019-22 | webtext-fineweb__CC-MAIN-2019-22__0__200189096 | en | With home solar installations reaching all-time highs as energy prices steadily increase, and increases in solar efficiency making it such a viable competitor, we at Solar America have spent a lot of time vetting the best solar partners for homeowners. We’ve been particularly impressed with how Sunrun is leading the pack.
It is amazing how quickly solar energy prices have dropped in the last few years. Once the domain of the rich with money to burn, or extreme greenies, Solar has become a mainstream option that can save the planet while saving you money.
With solar panel costs down 75% and efficiency up by half, solar energy is less expensive than it ever has been in history. With the government tax credit incentives – if you move fast, they may expire this year - this is the perfect time to get solar panels on your home. If you’ve been thinking about riding the solar wave, we may have just reached the perfect time, as solar energy has become a global industry that is expanding at a dizzying pace. The Golden Age of the sun has arrived, and solar has finally become a practical solution for lowering monthly home energy bills while simultaneously benefitting the planet.
Energy prices have been steadily increasing for decades; it’s a safe bet to say that trend will not abate any time soon
The Energy Policy Act of 2005 has made solar especially affordable for homeowners in the last few years, but unfortunately many do not realize the Federal Tax Credit is set to expire at the end of 2016. We’d recommend you look into taking advantage of these massive credits before they are gone.
Along with being one of the largest, most well-known solar companies, Sunrun gives you a variety of great options to take advantage of these probably once-in-a-lifetime federal government savings incentives on solar.
If your home meets the conditions, Sunrun’s loan options offer as little as zero down and monthly payments that are lower than your average electricity costs, allowing you to start saving money from the first day of installation on your home.
Solar America partners with the expert solar installers to find you the best possible installer for your area.
Submit some quick information so we can get you in touch with a solar specialist to assess your individual situation: | finance |
http://www.graham-mfg.com/calendar-of-events/All/fiscal-year-2016-first-quarter-financial-results-conference-call?EventMonthYear=7-2015 | 2018-11-14T19:22:58 | s3://commoncrawl/crawl-data/CC-MAIN-2018-47/segments/1542039742263.28/warc/CC-MAIN-20181114191308-20181114213308-00552.warc.gz | 0.908368 | 148 | CC-MAIN-2018-47 | webtext-fineweb__CC-MAIN-2018-47__0__195237479 | en | - About Graham
- Field Support/Training
- Investor Relations
Webcast and Conference Call
Graham management will host a conference call and live webcast July 30, 2015 at 2:00p.m. Eastern Time to review Graham’s financial condition and operating results for its first quarter of fiscal 2016, as well as its strategy and outlook. The review will be accompanied by a slide presentation.
Click here for the slide presentation.
A question and answer session will follow the formal presentation.
Graham’s conference call can be accessed by calling (201) 689-8560.
To register for the teleconference: http://public.viavid.com/index.php?id=115263 | finance |
https://jobs.cmdrecruitment.com/job/part-time-finance-officer/ | 2022-11-27T00:55:25 | s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710155.67/warc/CC-MAIN-20221127005113-20221127035113-00470.warc.gz | 0.919307 | 279 | CC-MAIN-2022-49 | webtext-fineweb__CC-MAIN-2022-49__0__208871887 | en | Part Time Finance Officer
20 Hours Per Week
Temporary Contract OR Permanent
Hybrid Working considered
c.£16.00 Per Hour
Looking to re-address your work/life balance with a Part Time role?
Do you possess good Accounting experience and perhaps have studied AAT?
Interested in working in the centre of the beautiful City of Bath?
Our client is a leading global software business and they are now looking to recruit an experienced Finance Officer to join their friendly team on a Part Time basis.
They are looking for the successful individual to work 20 hours per week.
Reporting to a Company Accountant, this role will see you manage the company’s day to day financial operations needs which include;-
* Producing monthly bank reconciliations and financial reports.
* Quarterly VAT Returns.
* Managing Cash Flow and making payments.
* Payroll and management of staff benefits.
* Management of Accounts Payable and Accounts Receivable.
* Supporting the Company Accountant with Year End procedures.
* AAT qualification or studying towards
* Experience with Sage and/or QuickBooks
* Previous experience in a similar role
* Multi Currency experience an advantage
This is a great opportunity to join a company that offers a friendly and informal office working environment (with a pool table!) | finance |
https://kaelanboyd.com/scholarship/ | 2023-03-27T07:26:45 | s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296948609.41/warc/CC-MAIN-20230327060940-20230327090940-00727.warc.gz | 0.963837 | 260 | CC-MAIN-2023-14 | webtext-fineweb__CC-MAIN-2023-14__0__159729621 | en | What is it?
The Civitas Scholarship is an annual one-time scholarship of $500 awarded to a student who has shown remarkable leadership skills and a willingness to pursue unwavering selflessness in their future career path.
Why is it called Civitas?
Civitas is a Latin term that means “citizens” or “a community of people.” The purpose of this scholarship is to provide a financial resource for future leaders who aspire to transform their communities and inspire others to be impactful, selfless, and compassionate.
Who can apply?
Only graduating seniors from Quitman County High School in Georgetown, Georgia are eligible to apply.
What are the requirements?
- Must be a graduating senior of Quitman County High School in Georgetown, Georgia.
- Must graduate with at least a 2.8 GPA on a 4.0 scale.
- Must further their education in the academic year immediately following graduation at an accredited two or four year college/university or vocational school.
How will the scholarship be paid out?
Awardees will not receive the scholarship money directly. Funds will be released to the institution to which they have been accepted and will be applied as a credit towards the awardee’s invoice for the upcoming year. | finance |
https://www.metrixware.com/en/axa-business-case/ | 2023-12-01T03:15:42 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100264.9/warc/CC-MAIN-20231201021234-20231201051234-00516.warc.gz | 0.938999 | 455 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__121585995 | en | AXA’s Property & Casualty department had a project to modernize and make more ergonomic the user interface of its platform dedicated to 2-wheel insurance: the aim was to offer a better user experience to agents and brokers.
Indeed, AXA is aware that to thrive in an increasingly competitive market, it is essential to provide a more attractive and user-friendly platform. They were looking for a solution that would enable users to navigate the business application more easily, while having clear visibility of insurance rates and conditions.
The expected benefit was to harmonize the underwriting path with the eproduct path, for better handling and therefore better productivity, in order to increase business with the brokerage network, which is faced with multiple underwriting paths. Faced with this challenge, AXA has chosen to renew its confidence in Metrixware to transform its underwriting application for customers owning 2-wheelers.
AXA is a French international group specialized in insurance and asset management.
The project at a glance :
- 10,000 employees and brokers involved
- increased number of contracts signed
- time saved on quotations
To meet AXA’s need to modernize its user interface and improve the experience of its agents, brokers and employees, Metrixware proposed its Mainframe Integrator Suite (MIS) solution, supporting IBM
z/OS, IBM i (AS/400) and IBM Aix environments.
This solution highlights Metrixware’s technology and the ability of its teams to work in collaboration with AXA’s business managers and marketing department, to deliver a time-to-market solution that respects the budget, the specifications and the AXA universe.
Benefits & Results
Immersion in the AXA Universe
More attractive and ergonomic interface created by a UX Design team -> Wow effect!
Return on investment
Lowest implementation cost to achieve expected results.
Better adoption of the offer
Completely redesigned sales approach with information bubbles and clear display of details and options.
The proposed solution enabled us to redefine our sales approach and modernize our user interface. The solution has transformed our tool into a real guide for agents and brokers, helping them to navigate and sell more effectively. | finance |
http://cityofsharon.net/City-of-Sharon-Growing-Economy.htm | 2019-06-27T10:50:33 | s3://commoncrawl/crawl-data/CC-MAIN-2019-26/segments/1560628001089.83/warc/CC-MAIN-20190627095649-20190627121649-00071.warc.gz | 0.91046 | 176 | CC-MAIN-2019-26 | webtext-fineweb__CC-MAIN-2019-26__0__192596257 | en | The City of Sharon is well connected with the Commonwealth of Pennsylvania's Department of Community and Economic Development. City staff and volunteers can help start-up or expanding companies easily navigate Local Economic Revitalization Tax Assistance (LERTA) Including state tax incentives in Keystone Opportunity Zones and other Enterprise Zones, low-cost financing from Sharon Industrial Development Authority, Shenango Valley Enterprise Zone and Penn-Northwest Development Corporation. The City can also help with technical assistance with state and local economic development programs and provides affordable energy sources, easy highway and rail accessibility. Commercial and industrial real estate is readily available, including Keystone Opportunity and other Enterprise Zones.
Sharon and the surrounding region offer sizeable, dedicated, easily-trained and cost-effective workforce. Downtown Sharon is home to Pennsylvania CareerLink, offering a one-stop employment center for recruitment, training, and tax-credit programs. | finance |
https://redhillspecs.eq.edu.au/support-and-resources/payments | 2021-10-24T00:25:45 | s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585828.15/warc/CC-MAIN-20211023224247-20211024014247-00228.warc.gz | 0.92334 | 424 | CC-MAIN-2021-43 | webtext-fineweb__CC-MAIN-2021-43__0__149341720 | en | Under the Education (General Provisions)
Act (EGPA) and Department of Training (DET) policies and after consultation
with our P&C, Red Hill Special School operates a whole of school
Textbook & Resource Scheme. Due to the specialised needs of our environment,
a lot of our resources are expensive and/or specialist items not readily
available to the general public. This scheme is to ensure that all students
have the necessary resources for their education, and to save
parents/caregivers the need to shop for basic school resources.It
also provides bulk purchase advantages and a uniformity of resources.
We are also aiming to reduce the amount of
payments made to the school and have combined all fees into the scheme. Once
the Student Resource Scheme (SRS)contribution has been paid, the only
payment parents/carers will be required to make will be for horse riding, gym,
TAFE fees and culminating unit activities/excursions (i.e. camp).
These culminating excursions are limited to one per semester.
The resources provided to the students
under the scheme include items such as:
The cost to participate in the
Textbook& Resources Scheme for 2017 is:
Education Queensland pays a Textbook
Allowance for students aged 13 years and older. The allowance is paid
directly to the school and is used to offset the Student Resource Scheme (see
page14). The Textbook Allowance covers the cost of classroom consumables, some
transport and some registration costs at vocational education, etc. A full
breakdown is provided to parents/carers annually and is published on the school
website. You can choose not to participate in this Textbook Allowance Scheme
and can request that the school pay you the allowance. However, in this
case you will be required to provide and/or pay for the resources and equipment
listed for your child for that year. The value of the resources and equipment
is always greater than the Textbook and Resource Allowance. | finance |
https://www.megconsulting.com/our-team/senior-leadership/mark-kaplan-cfa/ | 2021-08-01T04:10:56 | s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046154158.4/warc/CC-MAIN-20210801030158-20210801060158-00159.warc.gz | 0.940502 | 170 | CC-MAIN-2021-31 | webtext-fineweb__CC-MAIN-2021-31__0__22850920 | en | Mark is a Senior Associate at Monument Economics Group. Mr. Kaplan specializes in providing analysis and litigation support for matters involving financial fraud and market abuse.
In particular, Mr. Kaplan has played a key role in investigations and litigations involving market manipulation (e.g., spoofing, pump-and-dump, mutual fund market timing); insider trading; investment advisor fraud (e.g., cherry picking); valuation; FCPA violations; cryptocurrency; RMBS; and foreign exchange. Mr. Kaplan has also assisted counsel with profit calculations for settlement purposes.
Before joining Monument, Mr. Kaplan was an Associate at Analysis Group. Prior to that, he was a Statistician at the SEC in the agency’s Division of Economic and Risk Analysis.
Mr. Kaplan is a Chartered Financial Analyst (CFA) charterholder. | finance |
http://ducatidundee.co.uk/faqs.php | 2024-04-17T15:59:35 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817158.8/warc/CC-MAIN-20240417142102-20240417172102-00168.warc.gz | 0.948103 | 701 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__118946906 | en | How do I get a test ride on one of your Ducatis or a used bike?
Just ask! Phone us or email us. You must bring along with you your driving licence photocard as well as a note of your National Insurance number, plus a recently dated proof of address. If you have the old style licence please bring along some kind of photocard ID such as your passport, as well as your paper licence and and extra recently dated proof of address.
It is always best to contact us to make an appointment so as to avoid disappointment in case the bike in which you are interested is not available.
I may need finance to make a purchase, can you help?
We offer competitive financing. You can learn more about the different ways to fund your Ducati by viewing our finance and special offers pages. Alternatively click here to apply online today.
Do you buy other makes of bike besides Ducati?
Yes we consider all makes and models, with top prices paid & fast payment. Fill in our quick Valuation Form to see how much your bike is worth today.
Do you only service Ducati?
Our trained technicians are experienced working on most makes & models of motorcycle. Contact our service dept or fill in our Service Enquiry Form for more details.
What kind of warranty do I get with a new Ducati
Ducati warranties all its new bikes for a period of 24 months/48 months dependent on specific model. Please check with a team member for more details.
Selling my bike, Part-Exchange and Valuations
What will I need when I sell or part exchange my bike to Ducati Dundee?
Two forms of ID. Original photo ID such as your passport and a proof of address within the last 3-6 months (eg utility bill/council tax letter). The name and address on log book and ID must match.
Both sets of keys. If one is missing, please tell us at the valuation stage.
Your bank details. Payment is made straight away, but account must be in the name of the registered keeper.
Finance settlement letter. If any finance payments are outstanding, we need a letter from finance company detailing the settlement figure.
What happens if I accept your offer?
Simply call our team or email us so we can arrange a convenient time to inspect your bike, we’ll confirm the offer and arrange payment.
How will I get paid for my bike?
Payment is made directly into your bank account.
I cannot find the V5 document?
You will first need to get a replacement via the DVLA website.
Valuation is subject to inspection?
Our initial online valuation is as accurate as possible based on current market trends and the information provided by yourself, prior to us making an in-person inspection. On rare occassions the valuation we provide after the inspection may be different from our initial estimate. This will only happen if we find differences that were not apparent during the initial online valuation. Our post-inspection valuation is our final offer. We provide a fair and honest valuation. We do not haggle, and if we agree with the initial valuation, then that’s the price we will pay you.
What will happen to my motorbike once I agree to sell it?
We'll complete the paperwork with you, settle any outstanding finance and transfer the money into your bank account. | finance |
https://peldengroup.com/our-businesses/gic/ | 2024-04-16T21:10:51 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817106.73/warc/CC-MAIN-20240416191221-20240416221221-00891.warc.gz | 0.942588 | 242 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__122640897 | en | GIC-Bhutan Reinsurance Company Limited was incorporated on 16th May 2013 under the Companies Act 2000 of the Kingdom of Bhutan. The company was licensed to carry on General Reinsurance business on 12th August 2013 under Financial Services Act 2011. The Company was formally launched on the 5th of September 2013, by the Hon’ble Finance Minister of Bhutan and His Excellency, the Indian Ambassador to Bhutan.
GIC-Bhutan Reinsurance Company Limited is a Joint Venture Foreign Direct Investment (FDI) company with an initial paid-up capital of Nu. 500 Million and with the issue of rights share in the financial year 2020 it was enhanced to Nu. 1,100 Million. It is promoted by General Insurance Corporation of India (GIC Re) holding 26% share and two Bhutanese promoters Dasho Sangay Wangchuk holding 17% share and Aum Damchae Dem holding 12% share respectively. The remaining 45% is in the hands of the public.
To learn more about GIC-Bhutan Reinsurance Company Limited, please visit their website at: http://www.gicbhutanre.com | finance |
https://uniassist.in/13214/ | 2024-02-24T21:49:20 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474569.64/warc/CC-MAIN-20240224212113-20240225002113-00277.warc.gz | 0.954305 | 371 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__96870261 | en | Smart contracts are digital programs or scripts that are designed to automatically execute and enforce the terms of a contract. They are a key element of blockchain technology and are widely used in the world of cryptocurrency.
In simple terms, a smart contract is like a digital agreement between two parties that is stored on the blockchain. It contains a set of predetermined conditions that must be met in order for the contract to be executed. Once those conditions are met, the contract is automatically executed, and the terms are enforced.
The beauty of smart contracts is that they are completely transparent and decentralized. Once a contract is created and stored on the blockchain, it cannot be altered or tampered with. This ensures that both parties are equal stakeholders in the agreement and that there is no need for a third party to oversee or enforce the terms.
One of the most significant use cases of smart contracts in cryptocurrency is the creation of decentralized applications (dApps). By using smart contracts, developers can create dApps that are completely transparent, secure, and decentralized. These dApps can automate a wide range of tasks, from financial transactions to the management of supply chains.
Smart contracts have several advantages over traditional contracts. They are more secure, as they are stored on a blockchain that is virtually impervious to hacking. They are also much faster and more efficient than traditional contracts, as they are automatically executed once the predetermined conditions are met. This eliminates the need for a third party to oversee the agreement, which can save time and money.
Smart contracts are a key component of the future of cryptocurrency. As blockchain technology continues to evolve, we can expect to see more complex and sophisticated smart contracts that can automate even more tasks and transactions. Whether you are an investor, a developer, or simply curious about the world of cryptocurrency, smart contracts are definitely an important concept to be familiar with. | finance |
http://mcelhinneyassociates.com/house-insurance/ | 2020-02-26T15:48:43 | s3://commoncrawl/crawl-data/CC-MAIN-2020-10/segments/1581875146414.42/warc/CC-MAIN-20200226150200-20200226180200-00550.warc.gz | 0.93478 | 495 | CC-MAIN-2020-10 | webtext-fineweb__CC-MAIN-2020-10__0__182555995 | en | DOES MY HOUSE INSURANCE COVER ME IF SOMEONE HAS BEEN INJURED IN MY HOME?
Quite often basic house insurance policy’s have a lot of extra cover that people don’t know about examples of these include:
- Jury benefit, some policy’s have a daily benefit that can be paid to you or your spouse/partner to sit on a jury
- Domestic employees or visitors belonging
- Frozen food, if the electricity is cut off or your freezer breaks down you can recover the cost of the frozen food loss in your deep freezer
A very important part of basic household insurance policy is that of public and personal liability. Most policies will cover domestic employees and visitors entering into the property. For example, children’s birthday parties are usually covered, i.e. if a child becomes injured whilst attending a birthday party in your home the insurance company will provide cover for that personal injury claim
If you have temporary or occasional employees for example somebody carrying out repairs or decorations, a cleaner or childminder and they become injured in your home then your household insurance policy will provide cover
Interestingly some policy’s will also cover members of the household if they injury a person outside of the house for example if you accidently trip someone on the footpath or if you struck a passer-by with your umbrella and caused an injury to that person then your insurance policy may provide cover for any claim made against you.
Therefore, when it is time for renewal of your household insurance policy you should read the benefits that are included very carefully make your decision whether additional benefits may be of some assistance to you.
Should you require any further information regarding this matter please do not hesitate to contact us at McElhinney & Associates, Drumboe Lodge, Stranorlar, Co. Donegal on 074 91 75989 or [email protected]
*In contentious business a Solicitor may not calculate fees or other charges as a percentage or proportion of any award or settlement
**This information is for guidance purposes only. It does not constitute legal or professional advice. Professional or legal advice should be obtained before taking or refraining from any action as a result of the contents of this publication. No liability is accepted by McElhinney & Associates for any action taken in reliance on the information contained herein. Any and all information is subject to change. | finance |
http://www.club9sports.com/CLUB_9_SPORTS.html | 2014-03-09T12:45:13 | s3://commoncrawl/crawl-data/CC-MAIN-2014-10/segments/1393999678381/warc/CC-MAIN-20140305060758-00021-ip-10-183-142-35.ec2.internal.warc.gz | 0.955228 | 271 | CC-MAIN-2014-10 | webtext-fineweb__CC-MAIN-2014-10__0__122523670 | en | The commitment includes a significant, lender-endorsed, equity investment at closing, followed by additional and larger infusions of cash based on a disciplined process so as not to unduly dilute the existing shareholders. After a thorough review and analysis of the club, the firm believes the level of its investment is more than sufficient for the club to be operated successfully and for the manager to have an appropriate reserve of cash to use for key, off-season roster moves. In addition to the equity investment, CLUB 9 SPORTS has already reached an agreement with the club’s lender, Co-operative Bank, to restructure the current debt level.
CLUB 9 SPORTS plans to engage itself in the club’s management through the active involvement of its executive team and others it has recruited to support the current efforts of the club’s key executives and its manager. As such, CLUB 9 SPORTS plans to implement a number if initiatives (such as international player development, best practices in commercial operations and enhanced match day activities) in order to improve the team’s performance and the fans’ experience. The goal of these efforts will be to provide financial discipline, club stability and higher league standings.
“We believe the amount and structure of our offer is compelling and trust the board will accept the terms,” said | finance |
https://moneyboxwealth.co.uk/2018/08/16/residential-property-review-july-2018/ | 2024-04-20T01:00:13 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817463.60/warc/CC-MAIN-20240419234422-20240420024422-00235.warc.gz | 0.94964 | 736 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__24681193 | en | Residential Property Review July 2018
THREE-YEAR TENANCIES FOR RENTERS CAUSES CONCERN TO LANDLORDS
As reported by The Guardian, the Secretary of State for Housing, Communities and Local Government, James Brokenshire, has proposed stopping landlords of rental properties from evicting tenants at short notice and implementing a minimum three-year tenancy agreement.
Currently, approximately 80% of residential tenancies in England and Wales are agreed for either a six or twelve-month period. The assured shorthold tenancy agreement is the most widely used tenancy agreement by buy-to-let landlords. This type of tenancy entitles the landlord to a possession order immediately after the initial agreed period, meaning the landlord is therefore able to evict the tenant after the initial fixed term without a legal reason.
Referring to his recent consultation paper, Mr. Brokenshire stated: “It is deeply unfair when renters are forced to uproot their lives or find new schools for their children at short notice due to the terms of their rental contract.”
LONDON HOUSE PRICE GROWTH AT NINE-YEAR LOW
The UK Cities House Price Index, published by Hometrack, a property research organisation, has shown that London is amongst five cities where home prices are declining in real terms, when adjusted for inflation. Their definition of a decline is where house price annual growth rates fall below the Government’s Office for National Statistics’ (ONS) Consumer Prices Index (CPI), which currently sits at 2.4%.
The Hometrack report states that London house price growth has slowed to a nine-year low, while prices in Edinburgh and Manchester are rising faster than in any other major UK city, with price gains of 7.1% and 7% respectively.
Richard Donnell, the insight director at Hometrack, commented: “We expect house prices to keep rising across regional cities such as Birmingham, Manchester and Edinburgh over the next two to three years. During this time house price growth in London will remain flat, with annual price rises of approximately 0-2%.”
FASTER REDRESS FOR DEFECTIVE NEW-BUILD PROPERTIES?
In a report entitled ‘Better Redress for Homebuyers’, the All-Party Parliamentary Group for Excellence in the Built Environment, states that the landscape for buyers of new-build homes who are trying to resolve complaints about building defects is a confusing one. This problem is compounded by the complexity of the current number of housebuilding codes, building guarantees, and individual developer’s complaints procedures.
The All-Party Group have proposed setting up an independent ombudsman with powers to reimburse buyers by up to £50,000, or even give the buyer recourse to reverse the original sale contract. It is proposed that the scheme would be funded by a levy on housebuilders.
LAND SHORTAGE CHALLENGES NEW HOMES SUPPLY
According to the most recent capacity survey from estate agent Savills, the policy environment for delivering affordable new homes is improving. However, the availability of suitable land was cited by 86% of respondents as being the number one barrier to achieving this, with the lack of subsidy or grant being claimed by 54% as the number two barrier. Meanwhile, Government policy was only cited by 24% of their participants as being a barrier.
The Government’s target of 300,000 new homes per year continues to put pressure on housing associations to ramp up their housebuilding to bridge the gap from the present supply of 220,000 houses. | finance |
https://thetombstonetourist.com/graves/james-cash-penney/ | 2023-03-21T08:20:44 | s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296943637.3/warc/CC-MAIN-20230321064400-20230321094400-00088.warc.gz | 0.889835 | 712 | CC-MAIN-2023-14 | webtext-fineweb__CC-MAIN-2023-14__0__11810711 | en | James Cash Penney
J. C. Penney
James Cash Penney Jr.
September 16, 1875
February 12, 1971
Place of Death:
Harkness Pavilion, Columbia‐Presbyterian Medical Center, New York, New York
Cause of Death:
Claim to Fame:
Business and Finance
James Cash Penney was an American businessman and entrepreneur who founded the J. C. Penney stores in 1902. The Penney company expanded nationwide, with 120 stores in 1920 (mostly still in the west). By 1924, Penney reported income of more than $1 million annually. The number of stores reached 1,400 by 1929. The large income allowed him to be heavily involved in many philanthropic causes during the 1920s. Most of this work was halted when the stock market crash of 1929 and the Great Depression left Penney in financial ruin. After the crash, Penney lost virtually all of his personal wealth and borrowed against his life insurance policies to help the company meet its payroll. The financial setbacks took a toll on his health, and he checked himself into the Battle Creek Sanitarium for treatment. After hearing the hymn "God Will Take Care of You" (written by Civilla Durfee Martin) being sung at a service in the hospital's chapel, he became a born-again Christian.
In 1940, during a visit to a store in Des Moines, Iowa, he trained a young Sam Walton (future founder of WalMart) on how to wrap packages with a minimal amount of paper and ribbon.
Final Resting Place:
4199 Webster Avenue
Bronx, New York, 10470
Cemetery map of Woodlawn Cemetery in the Bronx, New York.
Grave Location:Pine Plot, Section 135
Grave Location Description
From the Jerome Avenue entrance, turn left on West Border Avenue then right on Chestnut Avenue. Look to your right for the well manicured Penney mausoleum.
Grave Location GPS40.888966, -73.876839
Read More About James Cash Penney:
- Published Obituary
- Wikipedia Entry
- 13 Facts You Probably Didn’t Know About JCPenney
- J. C. Penney, the Man: A Life of Perpetual Sharing
- James Cash Penney: From Clerk to Chain-store Tycoon
- James Cash Penney and the Golden Rule
- James Cash Penney’s Legacy Lingers, While His Namesake Company Scrambles to Save It
- J.C. Penney's Been a Survivor Before
- The Great Leaders Series: James Cash Penney, Founder of J.C. Penney
- J. C. Penney Museum
- About J. C. Penney
Videos Featuring James Cash Penney:
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https://ifsccodesearch.net/ | 2023-12-05T05:22:14 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100545.7/warc/CC-MAIN-20231205041842-20231205071842-00314.warc.gz | 0.918265 | 298 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__238500520 | en | List of IFSC code, MICR code and addresses of all bank branches in India. Find verified IFSC codes quickly to use for NEFT, RTGS & IMPS transactions.
or select a bank from these:
IFSC Code, MICR code List of all banks in India is given below. Click for more information about the bank and its services. To find details of other banks, use the form below.
What is IFSC Code?
IFSC Code (Indian Financial System Code?)
It is an 11-digit alphanumeric code that is used for NEFT, RTGS, and IMPS fund transfers. IFSC CODE of all banks is assigned by the Reserve Bank of India (RBI). Each code is a unique one and helps in the identification of a specific bank branch.
The first four digits of the IFSC code represent the name of the bank, while the fifth digit is ‘zero’ (0), which is reserved for future use. The last 6 digits denote the name of the specific bank branch. For example, the SBI IFSC code of the SBI bank branch in Indiranagar is SBIN0003301.
IFSC code is mandatory for fund transfers initiated through net banking. To know the IFSC code of a particular bank branch, you can look it up online. This 11-digit code is also printed on the cheque leaf that is issued by the concerned home bank branch. | finance |
https://fajrcapital.com/about-fajr-corporate-overview/ | 2019-06-26T20:50:29 | s3://commoncrawl/crawl-data/CC-MAIN-2019-26/segments/1560628000545.97/warc/CC-MAIN-20190626194744-20190626220744-00379.warc.gz | 0.92127 | 155 | CC-MAIN-2019-26 | webtext-fineweb__CC-MAIN-2019-26__0__121383384 | en | Fajr Capital is a leading Dubai-based private equity firm. We invest in high-growth companies and support their long-term strategic, financial and operational development.
Our shareholders include sovereign investors from Abu Dhabi, Brunei Darussalam and Malaysia, and private institutions from the Middle East and beyond.
Together with our portfolio companies, Fajr Capital today employs over 15,000 people across the Middle East and Asia Pacific regions – including operations in Algeria, Brunei Darussalam, Egypt, Indonesia, Malaysia, Saudi Arabia, Turkey, and United Arab Emirates.
We have invested growth capital in promising companies operating across a range of strategic, demographic-driven sectors, such as financial services, education, infrastructure, renewable energy, and manufacturing, among others. | finance |
https://thedoctorpreneuracademy.com/2024/02/19/unlocking-financial-freedom-10-passive-income-ideas-for-doctors/ | 2024-04-15T22:20:58 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817033.56/warc/CC-MAIN-20240415205332-20240415235332-00584.warc.gz | 0.913498 | 621 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__33324186 | en | As a physician, you’ve dedicated substantial time, effort, and financial resources to your medical education and the establishment of your medical practice. While the medical profession is financially rewarding, the demanding nature of the job often leaves little room for doctors to explore additional income opportunities.
This is where the concept of passive income becomes crucial for doctors. Passive income involves generating revenue with minimal ongoing effort and time investment. By incorporating passive income streams into their financial strategy, doctors can supplement their primary income, diversify their revenue sources, and attain greater financial security. In this article, we will explore 10 passive income ideas tailored specifically for doctors, offering ways to create additional income streams while maintaining focus on their medical practice.
1. Create an Online Course
Developing and selling online courses allows doctors to share their expertise and generate passive income. Once the course is created, it can be sold repeatedly without requiring additional work.
2. Start a Niche Blog
Doctors can establish a niche blog within the healthcare industry, focusing on specific topics such as diseases or conditions. As the blog gains traction, monetization through advertising and sponsorships becomes possible.
3. Health and Wellness Consulting Business
Offering consulting services in their area of expertise allows doctors to generate passive income through referrals and repeat clients.
4. Start a SaaS Product Developer Business
Creating a Software as a Service (SaaS) solution for the healthcare sector enables doctors to profit passively from upgrades and subscriptions. SaaS products leverage online software with licensing for access.
5. YouTube Channel
Creating a YouTube channel allows doctors to share their medical knowledge, potentially earning revenue through sponsorships and advertising as the channel gains popularity.
6. Start a Podcast
Similar to a YouTube channel, doctors can create a podcast to share health-related knowledge. Monetization can occur through advertising and sponsorships as the podcast gains an audience.
7. Content Marketing Business
Launching a content marketing company allows doctors to provide medical content to other businesses, relying on repeat clients for passive revenue.
8. Social Media Marketing Service
Founding a social media marketing company with a healthcare focus allows doctors to generate passive revenue through repeat business and by automating social media campaigns.
9. Real Estate Investment
Investing in real estate properties provides doctors with a means to generate reliable income. Property management services can handle tenant interactions, repairs, and upkeep.
10. Rental Property Management
Establishing a rental property management company allows doctors to manage properties for other landlords, earning passive income from recurrent customers and monthly administration fees.
Exploring online passive income opportunities is a viable option for doctors seeking additional financial avenues. With numerous options available, many requiring little to no initial investment, it’s an opportunity to diversify income streams. Conduct your research, find a passion project, and get started – you may be surprised at how quickly that extra money accumulates. What have you got to lose?
To register for our next masterclass please click here https://linktr.ee/docpreneur | finance |
http://www.almamapper.com/blog/2016/01/01/ibps-examination-5-frequently-asked-questions-faqs/ | 2019-03-25T06:01:35 | s3://commoncrawl/crawl-data/CC-MAIN-2019-13/segments/1552912203755.18/warc/CC-MAIN-20190325051359-20190325073359-00381.warc.gz | 0.932792 | 715 | CC-MAIN-2019-13 | webtext-fineweb__CC-MAIN-2019-13__0__106889655 | en | Listed are some of the most frequently asked question regarding the exam and its scope.
#1.Positions: Recruitment to RRB (Regional Rural Bank) and SO (Specialist officer) are two tier processes and for PO (Probationary Officer) and clerks, it's three tier.
P.O: Consists of a preliminary test of 100 marks,followed by a main exam of 200, and finally an interview.
Clerk:Same pattern as P.O selection
S.O:Online written examination followed by an interview.
R.R.B:a main examination of 200marks and then an interview.
#2.Statistics :IBPS CWE is one of the most competitive exams in India. With around 20lakh candidates taking this exam annually, it is quite a tough nut to crack. On an average, only1 in 2000 candidates get selected each year. Candidates taking the CWE get selected for the interviews in a ratio of 80:20.
#3. Academic requirements: The syllabus includes questions based on General Awareness, English Language, Quantitative Aptitude and Computer knowledge. While most candidates prefer to take professional coaching for the exam, it is recommended to start on your own if you have strong basics in Maths and English. You can then go for mock tests online, or in any coaching centre near you. For recruitment to majority of positions in banking, a certificate in any computer course holds immense value. Computer literacy is a must. In the interview, questions related to banking, trade and commerce are common.
#4.Participating banks: Here's a list of banks recruiting through the examination conducted by IBPS.
Bank of Baroda
Bank of India
Bank of Maharashtra
Bharatiya Mahila Bank
Central Bank of India
Indian Overseas Bank
Oriental Bank of Commerce
Punjab National Bank
Punjab & Sind Bank
Union Bank of India
United Bank of India
Export Credit Guarantee Corporation of India Bank
State Bank of India
Plus, there around 50 regional rural banks(RRBs) in the list.Some banks choose to conduct their own recruitment processes.
#5. Eligibility: The candidates must be between 20-28 years of age. Five years of relaxation for SC/ST, three years for OBC & ten years for the differently abled. The candidate must have studied computer as a subject in high school or college. Otherwise, he/she must possess a certificate or a diploma in computer language/ computer operations from a recognized institute. He/she must be able to read and write the regional language of the state of residence. Interested candidates must be a graduate in any discipline, from a recognized university.
Cracking the IBPS (CWE) is the first step to getting your hands on that dream bank job. Once the exam results are out, a list of shortlisted candidates are put up on the IBPS website. Shortlisted candidates will then receive letters of intimation from individual banks with information on the next plan of action. Candidates are then given a two week training on functions of a bank before they are posted at a certain centre of a bank.
With the government intending to bring about considerable reforms in the banking sector, the industry is set to create a large number of job opportunities in the near future.
For more information on the IBPS exam – Click here http://www.ibps.in/ | finance |
https://canyonparkechoes.org/author/barbarabailie/ | 2021-10-17T10:06:31 | s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585171.16/warc/CC-MAIN-20211017082600-20211017112600-00032.warc.gz | 0.949177 | 265 | CC-MAIN-2021-43 | webtext-fineweb__CC-MAIN-2021-43__0__131271049 | en | Semi-Annual dues are DUE! Please bring your cash or checks (made out to Canyon Park Echoes Toastmaster) in the amount of $48.00 to the next Wednesday meeting and bring them to Barbara Bailie or a Club officer. Cash needs to be the exact amount. If we get all club members paid in full by March 31st we get more money towards Toastmasters Bucks that can help our club!
Every voice counts – even those from behind prison walls. Perhaps, especially those from behind prison walls.
With this thought in mind, Canyon Park Echoes Toastmasters members voted to support Prison Voices Count, a non-profit dedicated to supporting Toastmasters clubs within the correctional and rehabilitation system.
Prison Voices Counts fosters both the human and the economic benefits of Toastmasters in prison. The inmates gain confidence, dignity and job seeking skills. In addition, prisons who participate in Toastmasters are less likely to return to prison after their release. For the Monroe Correctional Center, this is a possible savings of $1.2 million based on 3 prison clubs based there.
Thanks to Pat Sultan for bringing this program to our attention and kudos to our club members for voting to support this cause. We voted to donate $72, the membership dues for one prisoner for one year. | finance |
http://insurers-offers.com/find-out-which-insurance-companies-offer-vision-insurance/ | 2019-10-15T01:22:04 | s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570986655735.13/warc/CC-MAIN-20191015005905-20191015033405-00533.warc.gz | 0.965396 | 576 | CC-MAIN-2019-43 | webtext-fineweb__CC-MAIN-2019-43__0__179797490 | en | Every insurer tries to attract more customers by offering something unique. You can have vision insurance as part of your plan if you choose to work with particular companies. The number of people dealing with visual impairment keeps on increasing each year. Doctors reveal that more than 70% of visual problems could be corrected if detected early enough. That is why some insurance companies have started offering this form of insurance as part of their health insurance plans.
As you choose a health insurance provider, you should not overlook proper vision. If your health package does not include vision insurance, you can buy it as a separate policy. Working with an insurer that offers vision insurance can, however, save you some funds. Vision insurance can keep your out-of-pocket costs down. It also lowers the cost of eyewear and eye procedures.
Eye insurance providers are now expanding vision benefits to people who need eye surgery procedures to help them correct problems before they can worsen. For you to receive these benefits, ensure you choose an eye care provider that appears in your preferred provider network. You can get discounted rates for choosing a facility which is part of this network.
Most of the vision plans provide flexible spending accounts such that vision care expenses can be deducted from your payroll check directly. Go through your insurance policy to find out the exclusions that your vision insurance will not cover. The exclusions differ from one insurance company to the next. Some of the services that may not be part of the insurance coverage include prescriptions, contact lenses examinations, vision therapy, and eyeglass tinting. If you want any exclusion to be part of your vision insurance plan, you may have to pay additional premiums.
If you have a big family or are on a budget, you need to consider a vision discount plan. This helps you get a flat discount on different vision services such as surgical procedures, eyewear, or routine eye exams. Once the discount is applied, you should pay the balance. A vision discount plan differs from a traditional vision insurance policy in that it comes with lower premiums.
Choosing an insurance company that offers vision insurance can save you a lot of cash since vision costs can go up to $ 100. The prices of eye glasses are also not cheap. To avoid such costs, you need to get the most from your vision insurance plan. Ensure you make use of the money on eye care services since it is bound to expire. You can choose insurers such as VSP Direct, Eyebenefits, Vision Plan of America, Humana, and Aflac. The companies offer a standard coverage, which includes an annual eye exam as well as eyeglass exams. While some let you pay monthly premiums, others have a yearly fee that you have to pay. Such a company enables you to use the coverage as many times as you want within the year that you have paid for. | finance |
https://wisc.warwick.ac.uk/news/blog-post-wisc-student/ | 2021-04-12T13:19:42 | s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618038067400.24/warc/CC-MAIN-20210412113508-20210412143508-00598.warc.gz | 0.92731 | 197 | CC-MAIN-2021-17 | webtext-fineweb__CC-MAIN-2021-17__0__127117500 | en | Blog Post for WISC Student
Posted on June 4, 2019
WISC Student Andra Sonea, together with Weisi Guo, Stephen Jarvis (both WISC CDT) and Faith Reynolds (Independent Consumer Expert), has written a blog post on identifying and tackling the financial void that is created through the increasing digitisation of retail banking.
In her blog post, Andra highlights the chronic lack of useful data that can be used to identify groups of people that are susceptible to falling into a financial ‘void’. Andra also advocates for a more transparent approach to data in the retail finance industry, in addition to stressing the need to ensure vulnerable socioeconomic groups are considered in retail finance planning. Andra’s research continues to emphasise the real world impact that research undertaken at WISC can have and Andra and her research team are confident of being able to influence future policy decisions as a result.
The blog post can be read in full here | finance |
https://boyleteamsd.com/about/ | 2019-11-13T17:44:52 | s3://commoncrawl/crawl-data/CC-MAIN-2019-47/segments/1573496667319.87/warc/CC-MAIN-20191113164312-20191113192312-00219.warc.gz | 0.979876 | 222 | CC-MAIN-2019-47 | webtext-fineweb__CC-MAIN-2019-47__0__143087493 | en | Having successfully closed several hundred properties in San Diego County over the last 27 years, Dennis Boyle is a proven commodity for buyers and sellers a like. Dennis’ extensive market and contractual knowledge, along with his consistent track record of getting his offers accepted and listings sold to the maximum benefit of his clients, has resulted in a past client loyalty rate that is second to none!
With decades of award winning, record setting experience, and hundreds of properties closed within San Diego’s North County and North County Coastal, Dennis has proven strategies and systems to help you negotiate the best possible price for your home. When it comes to the numbers side of the business, Dennis has a unique advantage over the competition. In addition to selling houses since 1990, Dennis Boyle served as a top producing mortgage lender for over 7 years. His ability to calculate loan payments on the spot, as well as his knowledge of current loan programs, and how those programs may effect offers on his listings, or payments for his buyers, consistently helps him bring more transactions together for a successful closing.
Ready to get started? Contact us today. | finance |
http://www.berrymanpartners.com.au/Wills-Estate-Planning-Elder-Law | 2020-03-30T07:10:29 | s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585370496669.0/warc/CC-MAIN-20200330054217-20200330084217-00413.warc.gz | 0.937881 | 381 | CC-MAIN-2020-16 | webtext-fineweb__CC-MAIN-2020-16__0__164043053 | en | Wills, Estate Planning & Elder Law
As we get older we face increasing uncertainty. This uncertainty can be a source of great stress for many people. To ensure peace of mind and financial security as you get older it is important to manage your estate and financial affairs.
Estate planning is about ensuring that when you pass away your loved ones are properly provided for and your assets are distributed according to your wishes with minimum taxation and court intervention. It is also about managing your affairs while you’re still alive to ensure that your assets are sufficiently protected and continue to be protected in the event that you lose the capacity to make important decisions for yourself.
Effective estate planning gives you flexibility in the management of your estate and affairs. At Berryman Partners we can assist you to tailor you estate plan to your particular circumstances.
Estate planning comprises multiple steps. The first of these steps is to prepare a Will and/or Power of Attorney and Enduring Guardianship.
Preparation of a Will
Preparation of a Will allows you to express your wishes as to how your assets are to be distributed upon you death. Proper planning allows you to reduce the financial burden on your beneficiaries and minimise the possibility of disputes.
Power of Attorney and Enduring Guardian
Power of Attorney and Enduring Guardianship are effective ways of appointing either one or multiple people to make important decisions for you for either a short period of time or long term.
Estate planning also requires a broad approach and consideration should be given to all matters that may affect the important aspects of a person’s estate and affairs.
Berryman Partners can provide you with a range of estate planning services, including:
- Preparation of Wills
- Preparation of Powers of Attorney and Enduring Guardianship
- Asset protection strategies
- Assistance with issues relating to living arrangements and aged-care accommodation | finance |
https://www.fastbusinessfinancial.com/how-to-get-business-loan/ | 2019-08-24T20:32:02 | s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027321696.96/warc/CC-MAIN-20190824194521-20190824220521-00280.warc.gz | 0.955753 | 1,073 | CC-MAIN-2019-35 | webtext-fineweb__CC-MAIN-2019-35__0__13673768 | en | Getting a loan may help you or break you in your building your business empire. If you meet the right conditions, factors, and reasons for getting the loan, it should be beneficial for the growth of your business. Acquiring a loan is much easier these days. With the presence of online financiers and the rise of different lending companies, getting a loan is anything but difficult. But just because acquiring a loan has become easier doesn’t mean it will be served in a silver platter to you. There are things you need to prepare and consider before submitting your application papers to online lenders.
1. The most important question to ask yourself is: “Why do I need this loan?”
Most lending companies will ask you this question and you should have figured your business needs to substantially provide a sound and credible answer to this perennial question. Moreover, you must also answer the follow-up questions:
How much do you need?
What payment scheme can you afford?
You must be prepared with your financial statements if you are an existing business or your business plan if you are still starting out. Understanding your needs for a loan will navigate you towards making the right decisions in growing your business.
Take for example these two restaurant owners with different business needs:
Restaurant Owner 1 needs a new oven. Purchasing a new oven is a major expense and might affect the business’ operation costs if bought at a one-time payment. So owner 1 takes up a loan with a repayment that is well within his paying capacity.
Restaurant Owner 2 wants to expand to a new location and takes up a credit line with a high credit limit. To cope up with the repayments, the second location must be up and running in about 2 months and must be able to make four times as much more profit than the first location. That is an overly ambitious plan with a very aggressive timeline.
Most lenders will help you realize that your plan actually makes practical sense. You need to be able to clearly determine existing business needs and finances before applying for a loan. It is high time to consult your accountant and bookkeeper on how your business is going in terms of the numbers.
2. Know Your Legal Standing
This is one factor that proves to be most effective to get your loan application approved. That is because having a clear idea on your business legal standing shows that you are hands-on and up to date with your business affairs.
Check with the Secretary of State in your area. Inquire about business or tax liens on you or your business. In most business, you can conveniently do this online. If it turns out that there may be invalid liens, take the necessary process to have it removed. It can do wonders in increasing your credit line just by removing irrelevant liens under your name or your business.
If your business is incorporated, check if your business is properly registered and in a good position with the Secretary of State. If your business isn’t incorporated, it best to do so before applying for a loan. Most financiers often view incorporated companies as more stable and credible.
3. Google Yourself & Your Business
You might be surprised at so many people using the power of the internet when it comes to searching for something or someone. Even financiers and lending companies research about their applicants and their business. Make sure you have a good LinkedIn profile and enough social media presence to prove yourself credible. It is also helpful to have positive reviews about your business especially in sites like Yelp and other online review platforms. However, if there are also negative comments, you must also be prepared to explain those comments in case they bring it up in the application process.
4. Check Your Credit Standing
Checking you and your business credit score will give you the opportunity to identify issues that you can address immediately especially in settling previous debts and correcting misinformation. Most lenders will check your personal credit score as well as your business credit standing which will greatly impact your loan application.
5. Prepare Your Documents
This is the most crucial step you need to do before you start your loan application process. You need to prepare your documents in paper and in digital form to speed up the loan application. Here are some of the pertinent documents that most lending companies will ask from you:
- Recent Bank Statements (3 to 13 months)
- Recent Income Tax Returns (1 to 3 years)
- Business Permits
- Incorporation Papers
- Updated Income and Expenditure Sheets
- Profit and Loss Report
- Business Plan
6. Choose The Best Type Of Business Lender For Your Business
Spend time comparing different business lenders. You can borrow from a bank, non-profit microlenders or online lenders. These financiers offer products including term loans accounts receivable financing or lines of credit. Know which lender meets your business needs and repayment capacity. The right lender will build your business up, aids business growth and assists in incredible business success. The right business lender will give you a clear explanation of how their products work, their financing schemes including interest rates, processing fees, and penalties.
Fast Business Financial proudly offers Working Capital Loans, Merchant Cash Advance and Business Lines Of Credit. Get funded in as little as 24 hours! | finance |
http://www.newbostonvillage.com/?page_id=4284 | 2023-01-31T20:16:15 | s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764499890.39/warc/CC-MAIN-20230131190543-20230131220543-00854.warc.gz | 0.930145 | 145 | CC-MAIN-2023-06 | webtext-fineweb__CC-MAIN-2023-06__0__361485 | en | The interest rate for tax year 2020 is 5%.
The interest rate for tax year 2019 is 7%.
The interest rate for tax year 2018 is 6%.
The interest rate for tax year 2017 is 6%.
The interest rate for tax year 2016 is 5%.
Ohio Revised Code 718.27 requires that municipalities set the interest rate for delinquent unpaid tax liabilities at the federal short-term rate (rounded to the nearest whole number percent) plus 5 percent (5%). Interest shall be imposed per annum on all unpaid income tax, unpaid estimated income tax, and unpaid withholding tax. The interest rate shall apply to the calendar year following the July of the year in which the federal short-term rate is determined. | finance |
https://purefactorlc.com/products/ | 2024-02-28T08:30:39 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474700.89/warc/CC-MAIN-20240228080245-20240228110245-00837.warc.gz | 0.918032 | 218 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__21239821 | en | CFA® is an internationally recognized designation offered by the CFA Institute to investment and finance professionals. To earn the CFA® charter, candidates need to have completed three six-hour exams and possess 48 months of relevant professional experience.
There are three stages of exams (level I, II and III). All three exams focus on investment analysis, valuation and portfolio management.
The basic requirement to write the exam include possessing:
- any bachelor degree or being in the final year of the degree program at the time of registration or
- four years professional work experience (does not have to be investment related).
- a combination of professional work experience (full-time) and college experience that totals at least four years prior to enrollment.
- a valid international travel passport.
Professionals that write the CFA® exams include portfolio managers, research analysts (equity and fixed income), investment bankers, risk managers, corporate finance analyst, fixed income traders, etc.
For more information on the exam, kindly visit https://www.cfainstitute.org/ | finance |
https://w5fc.org/about/tom-thumb-program/ | 2022-06-29T07:42:43 | s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103624904.34/warc/CC-MAIN-20220629054527-20220629084527-00621.warc.gz | 0.955694 | 110 | CC-MAIN-2022-27 | webtext-fineweb__CC-MAIN-2022-27__0__140994055 | en | Help support the DARC by designating the Dallas Amater Radio Club as the Good Neighbor beneficiary of your shopping trips.The DARC Good Neighbor affiliate number is 4056. The DARC will receive 1% of your purchase price, issued quarterly, as a donation from Safeway/Tom Thumb. This is a great way to provide financial support to the club with no additional cost to you!
Get more information about the Tom Thumb Good Neighbor Program. You can also download an application to complete and submit during your next grocery shopping trip. | finance |
http://newyork.earnbenefits.org/page.php?pageID=1804 | 2014-09-17T19:32:43 | s3://commoncrawl/crawl-data/CC-MAIN-2014-41/segments/1410657124356.76/warc/CC-MAIN-20140914011204-00162-ip-10-196-40-205.us-west-1.compute.internal.warc.gz | 0.94867 | 253 | CC-MAIN-2014-41 | webtext-fineweb__CC-MAIN-2014-41__0__156886467 | en | What is it?
The HEAP emergency benefit component assists low-income New Yorkers who are facing a heat or heat related energy emergency and do not have resources available to resolve the emergency.
What do I get?
Your household can receive between $160 to $350 per year depending on the type of utility or way in which you heat your house. You may also be eligible for Emergency HEAP if you are threatened with utility shut-off. Generally, HEAP benefits are paid directly to your energy company (Con Edison or Brooklyn Union).
How long do I get it?
You can continue receiving HEAP as long as you remain eligible. You'll have to re-certify for HEAP every year. Go to your local HEAP office to re-certify. Bring the documents listed in the 'What Do I Need to Bring...?' box when you apply.
|Funds for HEAP are limited. The program operates on a first come, first serve basis. This means that even if you qualify, you may not get HEAP because the program might run out of money for the year. So, apply for HEAP as soon as possible. You can apply for HEAP beginning in the fall of each year.| | finance |
https://xcryptsupport.zendesk.com/hc/en-us/articles/360010042439-xCrypt-Will-List-WEB | 2020-01-17T16:18:27 | s3://commoncrawl/crawl-data/CC-MAIN-2020-05/segments/1579250589861.0/warc/CC-MAIN-20200117152059-20200117180059-00338.warc.gz | 0.841088 | 367 | CC-MAIN-2020-05 | webtext-fineweb__CC-MAIN-2020-05__0__138225920 | en | xCrypt will list WEB and open trading for WEB/XCT trading pair. The specific time is shown below:
Deposit Start Time : October 20, 2019 5PM(GMT +2)
Trading Start Time : October 21, 2019 5PM (GMT +2)
About Webcoin :
Webcoin(WEB) is a utility ERC20 token based on the Ethereum blockchain. The WEB token serves as a unified currency for buying and selling services within the Webhits.io platform.
Webhits.io is an interest-based p2p web and social media service exchange platform. The platform’s mission is to provide tangible results, increase advertiser Return on Investment (ROI), and significantly lower the costs for website and social media engagement services globally.
A distinctive functionality trait of the platform is the innovative Social Mining feature that will fundamentally transform the relationship between advertising and cryptocurrency.
Token site: https://webcoin.today
Platform website: https://webhits.io
Risk warning: Cryptocurrency trading is subject to high market risk. Please make your trades cautiously. xCrypt will make best efforts to choose high-quality coins, but will not be responsible for your trading losses.
Thanks for your support!
Find us on :
Telegram : https://t.me/xcryptclub
Telegram News : https://t.me/xcryptnews
Medium : https://medium.com/@xcryptclub
Twitter : https://twitter.com/xcryptclub
Facebook : https://www.facebook.com/xcryptclub/
LinkedIn : https://www.linkedin.com/company/xcrypt
Instagram : https://www.instagram.com/xcryptclub/ | finance |
http://www.farmers-livestock.com/index.cfm?show=801&id=0701D228&sort=2&cat=2 | 2023-06-05T01:04:37 | s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224650409.64/warc/CC-MAIN-20230604225057-20230605015057-00677.warc.gz | 0.908115 | 446 | CC-MAIN-2023-23 | webtext-fineweb__CC-MAIN-2023-23__0__29466741 | en | Farmers Livestock Marketing Services
DTN Early Word Grains 06/02 05:40
Grain Prices Quietly Mixed After Senate Suspends Debt Ceiling
December corn is down 2 cents, November soybeans are up 1 cent and July KC
wheat is down 3 cents.
DTN Lead Analyst
EARLY MORNING GLOBEX NET CHANGES: December corn is down 2 cents, November
soybeans are up 1 cent and July KC wheat is down 3 cents.
CME GLOBEX RECAP: Early Friday, U.S. stocks are trading higher after the
U.S. Senate voted 63 to 36 to suspend the debt ceiling through January 1, 2025,
thereby avoiding a U.S. default. European and Asian stocks are also higher,
partly relieved by the latest vote. USDA's weekly export sales report is due
out at 7:30 a.m. CDT Friday, the same time as nonfarm payrolls and the U.S.
unemployment rate for May. Oil prices are trading higher ahead of OPEC's
meeting on Sunday.
OUTSIDE MARKETS: Previous closes Thursday showed the Dow Jones Industrial
Average up 153.30 at 33,061.57 and the S&P 500 Index up 41.19 at 4,221.02. The
10-Year Treasury yield ended at 3.61%. Early Friday, June Dow Jones futures are
up 167 points. European markets are higher with the spot futures of the London
FTSE 100 trading up 0.67%, spot futures of Germany's DAX trading up 0.89% and
spot futures of France's CAC Index trading up 1.04%. Asian markets are higher
with Japan's Nikkei 225 index up 1.21% and China's Shanghai Composite Index up
Get your local Cash Bids emailed to you each morning from DTN – click here
to sign up for DTN Snapshot. | finance |
https://patriotstorage.com/team | 2020-04-04T15:07:29 | s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585370524043.56/warc/CC-MAIN-20200404134723-20200404164723-00525.warc.gz | 0.966882 | 386 | CC-MAIN-2020-16 | webtext-fineweb__CC-MAIN-2020-16__0__148631971 | en | Principal and President
Hal founded Patriot Self Storage in 2006, raising $100MM to develop self storage facilities in high-growth markets. Patriot Self Storage developed, built, operated, and ultimately sold two self storage facilities in Southwest Florida.
Hal learned and fell in love with the self storage industry while working as the Eastern Regional Vice President (“RVP”) for Public Storage Pickup Services, a subsidiary of Public Storage, the world’s largest self storage REIT. As the RVP, Hal was responsible for all aspects of the business for a third of the United States.
Throughout his career, Hal has been involved with growing companies:
Outside of work, Hal enjoys spending time with his wife and son golfing, fishing, cheering for Navy football, and watching rugby. He is a board member of the Boys and Girls Club of Sarasota County and a prior board member of Pine View School.
Hal holds a BS degree in Systems Engineering from the United States Naval Academy, Annapolis, Maryland, and an MBA in Finance and Entrepreneurial Studies from UCLAAnderson.
Principal and Chief Financial Officer
Jeff joined Patriot Storage in May 2017. Jeff has spent the majority of his career in real estate operations and finance:
Jeff has also held positions in private equity and investment banking focused on executing and managing transactions in the real estate, technology, financial institutions, retail, and industrial verticals.
Jeff enjoys spending his time with his wife and two daughters while trying to find more ways to spend time outdoors. He is an avid skier, swimmer, biker, runner, and college football fan having started at left tackle for the Stanford University football team while playing for Bill Walsh and Denny Green.
Jeff has a Bachelor of Arts in Economics from Stanford University and an MBA in Accounting and Finance from UCLAAnderson.
Copyright © 2018 Patriot Storage - All Rights Reserved. | finance |
https://www.mytorontocity.com/NRST | 2023-11-28T23:05:49 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100016.39/warc/CC-MAIN-20231128214805-20231129004805-00076.warc.gz | 0.932264 | 383 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__192435428 | en | Real Estate in Canada is regulated provincially, so for any questions about investing in Ontario (Toronto, Markham, Richmond Hill, Mississauga, Halton, Oakville, Brampton, Hamilton, Niagara Falls, etc), please feel free to talk to us. There is no restriction on how much and what kind of property you can purchase in Ontario. We would love to assist you and your family to invest or settle down in Ontario with a new home, a cottage, or an investment property. If you have any questions about investing in Ontario, just fill in the Contact Us Form and we will get right back to you.
The Non‑Resident Speculation Tax (NRST) is a 15% tax on the purchase or acquisition of an interest in residential property located in the Greater Golden Horseshoe Region (GGH) by individuals who are not citizens or permanent residents of Canada or by foreign corporations (foreign entities) and taxable trustees.
Land Transfer Tax vs Non-Resident Speculation Tax
The NRST applies in addition to the general Land Transfer Tax (LTT) in Ontario.
Properties subject to Non-Resident Speculation Tax
The NRST applies to residential properties containing at least one, but not more than six, single family residence(s). Examples of single-family residences include fully detached homes, semi-detached homes, townhouses, condominiums and apartment units. Examples of residential properties containing more than one family residence include duplexes, triplexes, fourplexes, etc.
NRST is not applicable to rental apartment buildings that contain more than six units, commercial property, industrial property, or agricultural property. Agricultural land containing a single residence is deemed to be exclusively agricultural.
When a property includes a residential component combined with another land use type, the NRST is only applicable to the residential component of the property. | finance |
http://indianadunes.ncs99s.org/zelle-payment-instructions/ | 2023-10-04T22:57:47 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511424.48/warc/CC-MAIN-20231004220037-20231005010037-00852.warc.gz | 0.868231 | 238 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__213062680 | en | Kentucky Bluegrass NCS Spring Section Zelle Instructions
To pay the Kentucky Bluegrass for the NCS Spring section meeting online, you will need a Zelle account. If you need help setting up Zelle, click here.
**NOTE**: Many thanks for everyone’s patience as we try accepting money this way for the first time. It appears that you can only use Zelle to send us money if your bank is already set up with Zelle. Contact your bank if you aren’t sure. If they are not, the only way to send us money is by check.
Once you already have Zelle set up, follow the instructions below to send money for your registration.
Step 1: Open the app, tap “Send”.
Step 2: Type in (502) 419-7938 into the search bar to pay Terri Donner for the Spring Section Meeting.
Step 3: Type in your total owed for registration. Tap “Review”.
Step 4: Add to the memo, “NCS Online Registration”. Tap “Send” and you’re done! | finance |
http://ir.ardelyx.com/node/8776/html | 2018-11-20T16:10:18 | s3://commoncrawl/crawl-data/CC-MAIN-2018-47/segments/1542039746465.88/warc/CC-MAIN-20181120150950-20181120172950-00486.warc.gz | 0.913589 | 708 | CC-MAIN-2018-47 | webtext-fineweb__CC-MAIN-2018-47__0__77728921 | en | SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Pursuant to Section 13 or 15(d)
of The Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): September 15, 2017
(Exact name of registrant as specified in its charter)
(State or other jurisdiction
34175 Ardenwood Blvd., Suite 200
Fremont, CA 94555
(Address of principal executive offices, including Zip Code)
Registrants telephone number, including area code: (510) 745-1700
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
|☐||Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)|
|☐||Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)|
|☐||Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))|
|☐||Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))|
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company ☒
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☒
|Item 5.02||Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officer.|
September 15, 2017, was Bryan Shaws last day of employment with Ardelyx, Inc. (the Company). Mr. Shaw served the Company as Vice President, Corporate Controller and Chief Accounting Officer from December 1, 2016 through September 15, 2017. The Company expects to provide Mr. Shaw with the severance benefits set forth in his previously filed Change of Control Severance Agreement, conditioned upon the receipt of a general release of claims against the Company.
In addition, on September 15, 2017, the Company appointed its current Chief Financial Officer, Mark Kaufmann, to the role of Principal Accounting Officer, effective as of September 15, 2017. Mr. Kaufmann has served as the Companys Chief Financial Officer since May 2014, and formerly served as our Chief Business Officer from August 2011 until May 2014. His compensation shall not change as a result of this appointment. Mr. Kaufmann has not been involved in any transactions that would require disclosure under Item 404(a) of Regulation S-K.
Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
|Date: September 18, 2017||ARDELYX, INC.|
|Chief Financial Officer| | finance |
https://hudson-law.ca/top-3-estate-planning-traps-for-blended-families/ | 2023-09-23T04:15:04 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506479.32/warc/CC-MAIN-20230923030601-20230923060601-00229.warc.gz | 0.969719 | 509 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__183367488 | en | Wills and estate planning become much more complex if you are in a blended family situation, or if you are going through a divorce or separation. In this post, “blended family” is used to describe a family consisting of a couple and their children from this relationship and all previous relationships.
Child and Spousal Support
If you are paying child support, this should be acknowledged and addressed in your Will. Generally, amounts to cover your child support obligations should be carved out of your estate by a testamentary trust or by way of a life insurance policy. If you do not leave sufficient amounts to your children, they may sue your estate.
Your spousal support obligations may cease at the time of your passing, although this may not be true of the divorce/settlement agreement or divorce judgment provides otherwise. Your obligations after your death can also depend on whether you and your former partner were common-law (i.e., adult interdependent partners) or married.
Guardianship and Access Considerations
Normally if your child’s other parent (e.g., your former partner) survives you, he or she will become the Guardian of your child. However, your current spouse (i.e., the step-parent) will likely to continue a relationship with the child. You Will can express your desire that your current spouse have access to you child after your passing.
Enduring Powers of Attorney and Personal Directives
The spouse is appointed as the Attorney or Agent under the Enduring Power of Attorney or Personal Directive. In a blended family situation, the issue of choosing your Attorney or Agent can be much more complicated. Should you appoint your second spouse? Perhaps a child from the first marriage? Or a child from the first marriage together with a child from the second marriage?
There are several issues to be considered and addressed. For example, you may want to include a provision in your Enduring Power of Attorney that requires an annual accounting by your Attorney to your children from the first marriage. If you have significantly more assets than your second spouse, you may wish to include directions in the Personal Directive about how long you are to remain living independently if you become incompetent, in an attempt to minimize allegations by your former spouse or children from the first marriage that you are being kept in your home to provide accommodation and payment of expenses for your second spouse.
Wills and estate planning for blended families can tricky. Speak with a professional who can help guide you through the various issues involved. | finance |
http://transferpriceindex.com/2011/09/transfer-inflation-1112-update-2/ | 2016-07-26T08:23:22 | s3://commoncrawl/crawl-data/CC-MAIN-2016-30/segments/1469257824757.62/warc/CC-MAIN-20160723071024-00050-ip-10-185-27-174.ec2.internal.warc.gz | 0.957801 | 683 | CC-MAIN-2016-30 | webtext-fineweb__CC-MAIN-2016-30__0__55132864 | en | By Dan Kennett and Paul Tomkins.
As first introduced as part of Pay As You Play, the Transfer Price Index (TPI) rests upon the basic economic concept of expressing all values in a constant currency no matter the year they took place. This is done by calculating the average transfer fee between two adjacent seasons and using it to either inflate (increase prices) or deflate (decrease) transfer fees from one season to the next.
TPI takes all transfer fees in the Premier League era and converts them to a Current Transfer Purchase Price (CTPP). This allows us to compare the relative costs of players, starting XIs, and squads over time.
Pay As You Play was published in November 2010 and CTPP was 2009/10 prices. This article provides an update on transfer inflation since publication.
In 1992/93 at the start of the Premier League, the average transfer fee was just £594,000
In 2010/11 the average value of a Premier League transfer went up 22.1% to £4.83m on 2009/10, only marginally below 2008-09’s all-time high of £5.06m.
The 2011/12 figures cannot be finalised until after the end of the January 2012 transfer window but the average transfer is currently up another 2.2% to £4.94m
The cumulative Transfer Price Index is running at 730% for the 20 year history of the Premier League compared to a Bank of England cumulative Consumer Price Index of 77.1%. This highlights the massive difference between standard daily life inflation and what we call ‘football inflation’, to show that saying “in today’s money” does not work with the traditional method (which is roughly ten times lower than TPI).
Cumulative TPI is not too dissimilar to the cumulative ticket inflation at top Premier League clubs as revealed by David Conn in The Guardian. This isn’t to say that the average transfer fee increases year on year regardless. Six seasons have seen a fall, most recently a significant post-credit-crunch crash of 22% in 2009/10. But the overall trend is clearly upward.
A simple example of how TPI can be used is to note that between 2002 and 2007 the average price of a transfer was around the £2m mark; so a player who cost £20m was ten times the average paid by clubs. In 2011, ten times the average is almost £50m. So a £20m player five or six years ago is akin to a £50m player today.
Early in the Premier League era, when the British transfer record was £5m (Chris Sutton to Blackburn), the average fee was roughly ten times less that amount. Currently, with the average fee at around £5m, the record is … roughly ten times that amount (Fernando Torres to Chelsea).
If inflation continues at the same rate as it has in the past decade, then in ten years’ time the average fee will be c.£8m per player, and the record fee paid by a British club will be around £80m. However, providing they can work it within the Financial Fair Play Rules, it’s not unthinkable to imagine Manchester City spending that amount on a player well before 2021. | finance |
http://dailytrade.net/dt/viewtopic.php?f=3&t=15&sid=3f40e295d7f91294dcf77a5fcf88f15a | 2022-08-08T14:15:35 | s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882570827.41/warc/CC-MAIN-20220808122331-20220808152331-00727.warc.gz | 0.939741 | 108 | CC-MAIN-2022-33 | webtext-fineweb__CC-MAIN-2022-33__0__157799627 | en | Tesla (TSLA) received an Overweight rating from Morgan Stanley’s Adam Jonas on Wednesday on the basis of the electric vehicle maker’s software and services business.
This is the first time since 2017 that Morgan Stanley has lifted Tesla’s rating to the equivalent of a Buy. Jonas also raised his price target on the stock to $540 from $360. That’s about 22% upside from where the stock closed on Tuesday.
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