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https://www.persecacademy.com/brenda-smith/
| 2021-04-14T17:36:01 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618038077843.17/warc/CC-MAIN-20210414155517-20210414185517-00440.warc.gz
| 0.957117 | 174 |
CC-MAIN-2021-17
|
webtext-fineweb__CC-MAIN-2021-17__0__195457978
|
en
|
Ms. Smith is a trusted advisor to the world’s global leaders, entrepreneurs and enterprising individuals facing complex regulatory environments, driving growth and deploying capital strategies.
She has worked to commercialize new technologies and go-to-market strategies and has served as a confidential thought partner to multi-national CEO’s on business strategy during times of mission-critical transition. As the founder of CB Capital Concierge, with access to private investors, family offices and an extensive network of strategic partners she combines her strategic business background and access to capital markets with a constellation of experts to source synergistic opportunities.
Ms. Smith earned her BS from Boston University, her MBA from New York University and completed coursework at the London School of Economics. She is a CFP® professional as well as a professionally certified coach applying decision science to executive decision-making.
|
economics
|
https://whartoncenter.wordpress.com/2013/06/21/1-million-gift-brings-best-of-broadway-to-msu/?shared=email&msg=fail
| 2019-12-14T05:48:03 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-51/segments/1575540584491.89/warc/CC-MAIN-20191214042241-20191214070241-00419.warc.gz
| 0.940129 | 608 |
CC-MAIN-2019-51
|
webtext-fineweb__CC-MAIN-2019-51__0__29829330
|
en
|
Michigan State University’s Wharton Center for Performing Arts will use a $1 million gift to endow the MSU Federal Credit Union Broadway at Wharton Center Series, which will attract the best of touring Broadway shows to mid-Michigan and help fund educational initiatives.
“Giving back to our local community is one way MSUFCU fulfills our mission of helping our members achieve their dreams and the ‘people helping people’ philosophy on which credit unions were founded,” said April Clobes, executive vice president and chief operating officer for MSUFCU. “We are happy to announce the MSU Federal Credit Union Broadway at Wharton Center Endowment and to support programs that help ensure mid-Michigan is a place alive with vibrant arts and entertainment where people are proud to live, work and visit.”
MSUFCU created the endowment because it understands the economic and cultural contributions of Broadway performances to the community, Clobes said. For example, up to 40 percent of patrons attending shows come from outside the tri-county area.
“This new $1 million gift will be the core of Wharton Center’s programming and the economic engine for the center,” said Mike Brand, executive director of Wharton. “The Broadway series will generate revenue to support other programming and address capital improvements on an annual basis.”
The endowment will be managed by MSU’s Office of Investments and Financial Management. Different from other gifts, the total amount of the endowment is invested and a portion of the income will be available for spending each year while the remainder will be reinvested to grow the fund and safeguard against inflation.
Historically, MSU’s long-term investment returns have exceeded the performance of peer universities that have endowments similar in size to MSU’s, said Robert Groves, vice president for university advancement.
When the MSU Federal Credit Union Broadway at Wharton Center Endowment is fully funded, it’s expected to generate $50,000 annually to support the production, operation, marketing and education costs incurred by Wharton Center on the touring Broadway productions, he said.
“We’re very grateful to MSUFCU and its members for again stepping up to support an important component of campus cultural programming,” said MSU President Lou Anna K. Simon. “The Broadway series is something enjoyed not just by many members of the MSU community, but by many people who travel sometimes long distances to attend performances.”
The gift complements a previous $2.25 million gift made by MSUFCU to Wharton Center in 2008, which created the MSU Federal Credit Union Institute for Arts and Creativity at Wharton Center.
Today, the institute annually reaches more than 30,000 learners with enrichment opportunities to engage with the arts and with touring artists, furthering Wharton Center as a statewide resource for arts education.
|
economics
|
http://www.nyfpa.org/about-our-chapter/
| 2018-12-19T04:12:23 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376830479.82/warc/CC-MAIN-20181219025453-20181219051453-00536.warc.gz
| 0.93241 | 197 |
CC-MAIN-2018-51
|
webtext-fineweb__CC-MAIN-2018-51__0__62547238
|
en
|
The Financial Planning Association of Greater Rochester New York is the organization that brings together all the varying professions involved in the financial planning process in Greater Rochester NY. We are committed to providing the highest quality educational programs to help all of our members keep current on technical and practice management topics and be better financial planning professionals.
FPA of Greater Rochester NY Mission Statement:
- We are dedicated to the highest quality education programs to keep you current, and help you be a better professional.
- We are a network of experts you can rely on: expert planners, investment advisors, accountants, attorneys, bankers, insurance professionals who get together to discuss perspectives common to client issues.
- We are a community of professionals to support what you are doing now and support new opportunities for business and professional growth.
- We provide enjoyable and satisfying experiences to be around colleagues and pride in our community.
- We believe in building the financial planning profession because every individual benefits from sound financial planning advice.
|
economics
|
https://www.easystepstairlifts.co.uk/stairlifts-to-rent-for-straight-stairs/
| 2021-04-16T19:19:06 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618038089289.45/warc/CC-MAIN-20210416191341-20210416221341-00597.warc.gz
| 0.933786 | 432 |
CC-MAIN-2021-17
|
webtext-fineweb__CC-MAIN-2021-17__0__184368076
|
en
|
A straight stairlift rental service is available from easystep, with a no fixed term contract, this allows you to hire the stairlift for as long or as short term that it is required, just pay as you use!
Our temporary stairlifts carry a full 24 hour call out and maintenance service which is included in your monthly rental charge, being all inclusive there are no hidden costs helping you with a fixed budget.
Straight stairlifts to rent or hire with our online survey.
Our online self survey is available for straight stairlifts to help keep our customers safe, no salesman visit and quick installation times!
- No Minimum Contract
- Fitted within days of survey
- Lifetime warranty
- Servicing and repairs included
- Unlimited call outs
Why rent a stairlift?
Renting a stairlift may be the preferred option for customers who don’t want the worry and extra expense of maintenance and servicing costs of a stairlift. Our rental scheme enables you to have all the benefits of a stairlift, while paying for it one month at a time on a rolling contract.
There are some circumstances where buying a stairlift may not be the right solution, some examples might be if a relative comes to visit or when getting over a short term illness or operation, or maybe you just want to budget with a set monthly charge.
This is where renting a stairlift from easystep could be the answer for you.
Our installation charge for a straight standard rental is £350*, this covers the cost of fitting and removal of the stairlift, and then a rental charge of £40 a month (less than £10 a week) is one of the lowest in the country with no fixed term or contract, so you can hire the stairlift for as long or as short a period as you like.
As part of the rental stairlift agreement, all servicing, maintenance and breakdowns are covered at no extra cost, so you can get on with your life and leave the worrying to us.
*subject to mileage
Standard Rental Stairlift
Deluxe Rental Stairlift
|
economics
|
https://saanichnorthandtheislands.com/events/2018/9/22/re-visiting-housing-in-saanich-north-and-the-islands
| 2019-09-16T12:08:40 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-39/segments/1568514572556.54/warc/CC-MAIN-20190916120037-20190916142037-00041.warc.gz
| 0.968919 | 270 |
CC-MAIN-2019-39
|
webtext-fineweb__CC-MAIN-2019-39__0__29317541
|
en
|
Finding affordable, accessible, and safe housing has been a challenge for residents of Saanich North and the Islands.
The issue is top of mind for many across the riding. Whether you live on the Saanich Peninsula or in the Southern Gulf Islands, a lack of housing and overall affordability is challenging the sustainability of our communities. It is a major barrier for businesses looking for employees and for communities looking for service workers. On Salt Spring Island the lack of housing is acute!
During the 2017 provincial election housing was the number one issue in every community I visited. People demanded action. Since the election, the BC NDP government has proposed controversial tax measures in an attempt to address housing affordability. The proposals are confusing as has been the roll-out.
In addition to the tax measures, the provincial government has begun an aggressive program of increasing the supply of affordable housing units, changed legislation for renters and landlords, and undertaken an extensive consultation on rental housing.
Our first Community Dialogue was on housing and we thought that so much had happened in the first year that we needed to circle back around and continue the conversation. With new legislation on the tax measures coming in the Fall legislative session, this will be an excellent opportunity to connect with your provincial representative to provide your feedback, advice, and input on the important decisions coming in the next few months.
|
economics
|
http://www.gpcotton.gr/en/
| 2023-12-06T21:19:52 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100603.33/warc/CC-MAIN-20231206194439-20231206224439-00496.warc.gz
| 0.94873 | 548 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__72583835
|
en
|
“G & P Cotton Ginners S.A.” was founded in 1996. Ousoultzoglou family has over 120 years of experience with the first cotton ginning factory in Adana area in Turkey.
Mr. Prodromos Ousoultzoglou Senior, who passed away in 1984, started cotton ginning in Veria in 1934. In the year 1978, which was the first year that Mr. Nikos Ousoultzoglou took the leadership from his father, Prodromos, the company was exporting 60-70% of its products to the ex – Eastern countries such as Romania, Yugoslavia, Czechoslovakia and Russia and the remaining percentage of 30-40% was intended for the internal market.
During the 80s’, under the leadership of Nikos P. Ousoultzoglou, the company grows rapidly and the export needs are covered by investing in new machinery and warehouses, renting cotton ginning factories and buying greek raw cotton stocks from other ginners. By 1990, the company exports more than 20.000 tons of cotton lint to the European Union, the Balkans and the Far East.
In 1996, Mr. Nikos Ousoultzoglou invests in a new ginning factory in Kipseli Imathias, where the company is based until today.
The cotton ginning capacity increases to 500 tons of raw cotton processing per day with productivity rising to 250 tons of cotton seed and 180 tons of cotton lint. By 2012, the company exports more than 90% of its products. Mr. Prodromos Ousoultzoglou Junior and Mr. George Ousoultzoglou become active members of the company, both as Executive Directors.
As a result of the family’s efforts, the company expands its activities by opening new markets and adding new products to the company’s portfolio (Durum Wheat, Soft Wheat and Barley).
Throughout the years, the company’s values remain constant:
1) Integrity: Business Ethics, is the central moving wheel of an 120 year and 3 generation company.
2) Added value to the customer: High quality products as well as sincere and valuable personal and business relations promote win-win situations.
3) Environmental Responsibility: The company, since its early years, applies high standard protocols in the Production process. Nowadays, the company applies the Agro 2.2 protocol, maintaining and promoting environmental friendliness and traceability of the products.
4) Social Responsibility: Safe working environment and regulations, as well as respecting and helping the local community are matters of the highest importance to the company.
|
economics
|
https://www.networkcapitaltv.com/courses/career-principles-and-insights-with-dr-mukund-rajan
| 2021-09-29T00:02:49 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780060908.47/warc/CC-MAIN-20210928214438-20210929004438-00688.warc.gz
| 0.937662 | 320 |
CC-MAIN-2021-39
|
webtext-fineweb__CC-MAIN-2021-39__0__236688329
|
en
|
Dr. Mukund Rajan, is the Chairman of ECube Investment Advisors Private Limited, which focusses on Environment, Social and Governance (ESG) issues in India. ECube announced a partnership in 2019 with Quantum Advisors to invest in the mid-market space in the Indian public markets.
Prior to ECube, Dr. Rajan served for 23 years with the Tata group, where he held a number of senior executive positions. These included the first Brand Custodian of the Tata group, Chief Ethics Officer of the group, Chair of the Tata Global Sustainability Council, Member of the Group Executive Council at Tata Sons Limited, Head of Private Equity at Tata Capital, Founding Managing Partner of the Tata Opportunities Fund, and Managing Director of one of the group’s listed telecom businesses, Tata Teleservices (Maharashtra) Limited. He served on the boards of various Tata companies including Tata Teleservices, Tata Communications, Roots Corporation, Piem Hotels, Tata SIA Airlines, Tata AIG, and the TCS Foundation.
Dr. Rajan graduated from the Bachelor of Technology program at the Indian Institute of Technology, Delhi in 1989. He received a Rhodes Scholarship to study at Oxford University, where he completed a Masters and Doctorate in International Relations. His doctoral dissertation titled “Global Environmental Politics – India and the North-South Politics of Global Environmental Issues” was published by Oxford University Press in 1996. His second book, “The Brand Custodian”, was published by HarperCollins in 2019.
|
economics
|
https://www.velociped.de/en/package-travel-directive.html
| 2019-06-16T19:17:15 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-26/segments/1560627998291.9/warc/CC-MAIN-20190616182800-20190616204800-00368.warc.gz
| 0.897402 | 799 |
CC-MAIN-2019-26
|
webtext-fineweb__CC-MAIN-2019-26__0__127305640
|
en
|
the following translation of our Package Travel Directive serves solely the purposes of a better understanding. Legally, only the German version is decisive.
The combination of travel services offered to you is a package tour within the meaning of the Directive (EU) 2015/2302. Therefore, you can claim all EU rights that apply to package tours. Velociped GmbH & Co. KG bears full responsibility for the proper execution of the entire package tour.
In addition, Velociped GmbH & Co. KG holds the statutory protection for the repayment of your payments and, if transport is included in the package tour, to ensure your return transportation in case of bankruptcy.
• The travelers get all the essential information on the package tour before completing the package tour contract.
• At least one contractor is always liable for the proper performance of all the complimentary contract travel services.
• The travelers receive an emergency telephone number or contact information through which they can contact the tour operator or the travel agency.
• Travelers can transfer the package tour to another person within a reasonable time and possibly at additional cost.
• The price of the package tour may only be increased if certain costs (eg fuel prices) will increase and if this is expressly provided for in the contract, and in any event no later than 20 days before the start of the package tour. If the price increase exceeds 8% of the package tour price, the traveler may withdraw from the contract. When a tour operator reserves the right to a price increase, the passenger has the right to a price reduction if the costs decrease.
• Travelers can withdraw from the contract without paying a cancellation fee and receive a full refund of all payments if one of the essential components of the package tour except for the price is significantly changed. If the operator responsible for the package tour cancels the package tour before the package tour begins, travelers are entitled to a reimbursement of costs and possibly a compensation.
• In case of exceptional circumstances, such as serious security problems at the destination which are expected to affect the package tour, travelers can withdraw from the contract before the start of the travel package tour without paying a cancellation fee.
• In addition, travelers can withdraw from the contract at any time prior to the start of the package tour in exchange for an appropriate and reasonable cancellation fee.
• If essential components of the package tour can not be carried out as agreed after the beginning of the package tour, suitable alternative arrangements shall be offered to the traveler at no extra cost. The traveler can withdraw from the contract without payment of a cancellation fee (in the Federal Republic of Germany this right is called "Termination"), if services are not provided in accordance with the contract and if this has a significant impact on the provision of the contractual package tour services and if the tour operator fails to remedy the situation.
• The traveler is entitled to a price reduction and / or compensation if the travel services are not provided or not provided properly.
• The tour operator provides the traveler assistance when the traveler is in trouble.
• In the event of insolvency of the tour operator, or – in some Member States – of the travel agent, costs shall be refunded. If the insolvency of the tour operator or, if applicable, the travel agent occurs after the start the package tour and if transportation is part of the package tour, the return transportation of the travelers is guaranteed. Velociped GmbH & Co. KG has entered into a bankruptcy protection with TourVERS Touristik-Versicherungs-Service GmbH. Travelers can contact this facility if they are denied benefits due to the insolvency of Velociped GmbH & Co. KG (TourVERS Touristik-Versicherungs-Service GmbH, Borsteler Chaussee 51, 22453 Hamburg, Tel. +49 (0)40 2442880,
|
economics
|
https://coinbaseazextension.w3spaces.com/
| 2024-04-21T19:51:32 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817819.93/warc/CC-MAIN-20240421194551-20240421224551-00493.warc.gz
| 0.885283 | 569 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__15334768
|
en
|
In the rapidly evolving landscape of cryptocurrency, access to reliable and secure platforms is paramount. Introducing the Coinbase Browser Extension, a powerful tool designed to streamline access to Coinbase's suite of cryptocurrency services directly from your web browser. Let's delve into how this extension revolutionizes the way users interact with their digital assets.
The Coinbase Browser Extension is a feature-rich tool developed by Coinbase, a leading cryptocurrency exchange platform. It enables users to access Coinbase's services conveniently and securely without leaving their web browsing environment. Whether you're buying, selling, or managing your cryptocurrency portfolio, the Coinbase Extension puts the power of Coinbase at your fingertips.
One-Click Access to Coinbase Services: With the Coinbase Extension installed in your web browser, you can seamlessly access Coinbase's platform with just one click. This eliminates the need to navigate to the Coinbase website manually, saving you time and effort.
Real-Time Price Tracking: Stay informed about the latest cryptocurrency prices with real-time price tracking directly in your browser. The Coinbase Extension provides up-to-date price information for a wide range of cryptocurrencies, allowing you to make informed decisions about your investments.
Instant Notifications: Never miss an important market movement or trading opportunity. The Coinbase Extension delivers instant notifications about price changes, account activity, and other relevant updates, keeping you informed and empowered to take action when needed.
Secure Authentication: Security is paramount when it comes to managing your cryptocurrency assets. The Coinbase Extension ensures secure authentication by leveraging advanced encryption and authentication protocols, providing peace of mind to users.
Benefits of Coinbase Browser Extension
Convenience: The Coinbase Extension offers unparalleled convenience by allowing users to access Coinbase's services directly from their web browser. Whether you're browsing the web or conducting research, you can seamlessly manage your cryptocurrency portfolio without interrupting your workflow.
Real-Time Insights: Stay ahead of the curve with real-time insights into cryptocurrency prices and market trends. The Coinbase Extension provides up-to-date information at your fingertips, empowering you to make informed decisions about your investments.
Enhanced Security: With secure authentication and advanced encryption, the Coinbase Extension prioritizes the security of your cryptocurrency assets. Rest assured that your funds are safe and protected while using the extension.
Simplified Trading Experience: Buying, selling, and managing your cryptocurrency portfolio has never been easier. The Coinbase Extension streamlines the trading experience, allowing you to execute trades and access account information with just a few clicks.
The Coinbase Browser Extension revolutionizes the way users interact with their cryptocurrency assets. With its seamless access to Coinbase's services, real-time insights, enhanced security features, and simplified trading experience, the Coinbase Extension is a must-have tool for cryptocurrency enthusiasts and traders alike. Experience the future of cryptocurrency management with the Coinbase Browser Extension.
|
economics
|
http://gogetfetch.com/
| 2017-08-24T02:54:14 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-34/segments/1502886126027.91/warc/CC-MAIN-20170824024147-20170824044147-00687.warc.gz
| 0.944105 | 313 |
CC-MAIN-2017-34
|
webtext-fineweb__CC-MAIN-2017-34__0__81524039
|
en
|
Go-Getters are at the center of Fetch and the ones who perform tasks in the Fetch Ecosystem. We welcome all users to participate earning money on the platform.
You set your available hours, set your rates and work on your terms.
Whether you own a Shop or sell Jewelry online, Fetch can provide more customers to your business. Think of it as an “online shop in a box”. Anything you sell, online or off you can list on the Fetch platform, which users can browse, buy and have delivered to their homes instantly using the Fetch delivery network.
Job setters are the valued users that use and trust Fetch to take care of the things they need done in a hurry.
Fetch is a mobile application based in Dublin, Ireland offering a marketplace for 24 hour services which provides a unique experience for both the customer and the employment market by providing a one-stop platform where, “Anybody can work for Everybody”.
In an age where more and more is getting done through the peer-to- peer market place, we at Fetch are committed to creating a high quality, one-stop application which will help the customer “get things done”, whilst at the same time creating employment both locally and nationally.
We are dedicated to providing customers with the highest quality of varying services, whilst offering jobseekers the opportunity to earn a living wage. We hope to create a fair and equal national marketplace for personal enterprises, services providers and large businesses.
|
economics
|
http://www-cash-advance-support.com/
| 2017-11-25T11:12:01 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-47/segments/1510934809778.95/warc/CC-MAIN-20171125105437-20171125125437-00459.warc.gz
| 0.960084 | 1,273 |
CC-MAIN-2017-47
|
webtext-fineweb__CC-MAIN-2017-47__0__131775067
|
en
|
Emergencies do not come with warning, they just happen. Moreover, they come at a time when you could be hard-pressed for cash or are yet to receive your paycheck. Unexpected hospitalization, car repairs and similar situations can crop up all of a sudden, and this can happen to anyone. Online cash advance support comes as a blessing in such situations. It helps meet your immediate need and can be secured quickly and conveniently from the safety and comfort of your home.
What Is Cash Advance?
A cash advance or payday loan is a short term loan of a week or two, and is credited to the borrower’s bank account within a couple of hours, after it is approved. The cash loan is offered by private lenders and lending institutions and hence the loan process is different from that of banks. Loan is simpler and easier to get.
There is no need for any collateral or financial document proofs, but some lenders may choose to check your paying back credibility. However this is rare.
Since cash advance support can be applied for online, it is hassle free and saves time. Also, you do not have to be physically present at the lender’s office to get the loan sanctioned.
There are certain benefits of applying for a cash advance loan, as opposed to approaching a bank for the same.
Time Saving & Hassle-Free Loan
Online payday cash advance is easy to apply for and also time-saving. Cashadvancesupport requires none to minimal documentation and has greater chances of being approved, as compared to getting a loan application approved from a bank. It is quick, reliable, and simply the easiest way to get liquid cash in hand in a matter of hours.
Instant Approval & Cash Dispersal
Unlike banks that can take weeks to process your loan, cashadvancesupport is almost instant. It takes just a couple of minutes to fill in the loan application and another few minutes to know if your request has been approved. In most situations, borrowers can receive funds directly into their bank account within hours.
Bad Credit, Not An Issue
With cash advance support, a bad credit history will not weigh down your chances of securing a cash loan. If you have a secure job, with a regular paycheck, the lender may overlook any discrepancies in your credit score. So if you have missed a repayment or two, you will not be judged as being incapable of paying back the loan. Banks would look at this otherwise, as a bad credit history is a no-no for them. Hence, cashadvancesupport is your ideal option here, if you wish for an easy to get cash loan.
No Documentation Or Faxed Application
In most cases, you are not required to submit or upload any financial documentation when you apply for a cash advance. The entire process is done online, using an online application form. You do not have to fax in a duly filled application for getting cash advance support. The hassle-free application process gives you every reason to apply for an online payday loan.
Nil Processing Fee Or Prepayment Charges
There is usually no processing fee, just the interest that is charged on the amount that you wish to borrow. If there is a processing (different lenders may have varying rules) fee, it will be a small sum. The interest is charged on a daily basis. You can pay back the cash advance support when you want, as there is no obligation as to when you must pay the loan. Also, there are no prepayment charges, if you choose to pay the payday loan well before its due date.
Get Loan Up To $1,500
You can get anywhere from $100 to $1,500 in cash advances to help meet your financial need at the moment. Your immediate emergency can be handled with the cash advance support that you can get from private lenders online. As soon as you get your paycheck or funds released, you can pay back the loan, and you will be charged interest only for the days that you used the cash advance.
Pay Your Medical Bills, Repair Car Or Use For Other Emergencies
With the ease at which one can get cash advance support, it is not difficult to overcome financial stress during sudden emergencies. Easy accessibility and speed at which loan is disbursed, makes payday loans an instant savior and ideal solution for fulfilling cash requirement at short notice.
Visit The WWW To Get CashAdvanceSupport
Cash advance support is the one and only guaranteed method for obtaining quick cash when you need it most. No financial institution will lend you money so quickly and without any documentation. You do not have to venture out or run from post to pillar in order to get your loan sanctioned. Besides, many banks have a certain lending threshold and do not oblige to sanctioning small amounts and for short periods like a week or 5 days.
Read Cash Advance Support Reviews Before Aplying Online
In fact, getting cash advance support is as easy as any other online activity. There are plenty of lenders available online that will lend you the money without much fuss. You just need to do a bit of research and find a lender, who is offering you the maximum loan and at a minimum rate of interest. Although interest rates can be high for payday loans, they are your most feasible option when it comes to borrowing money instantly.
Cash Advance Support COM Sites
There is no credit check, no bank documents, salary slips, nothing required for the process. Simply go online, choose a lender and apply for a loan. There are some websites that offer a series of lender options and you can choose one from them. So get a payday loan today, with the ease of applying through your PC or even your cell phone. Receive instant cash credits straight to your bank account, for use immediately. Don’t worry if you have a bad credit history, as you can still apply and get approved for cash advance support loan.
I needed some quick cash to buy some equipment for my business. I didn’t want to wait around for a business loan so I decided to try them out. I was able to buy what I needed within a week!
My money arrived on the very next day, and the whole process was as easy as possible. Thanks!
|
economics
|
http://www.johncrawfordmarine.com.au/news/jcm-news
| 2017-08-24T03:13:24 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-34/segments/1502886126027.91/warc/CC-MAIN-20170824024147-20170824044147-00051.warc.gz
| 0.951988 | 1,462 |
CC-MAIN-2017-34
|
webtext-fineweb__CC-MAIN-2017-34__0__289037276
|
en
|
John Crawford Marine (JCM) owners, Matthew and Anita Hodson are active members of the boating and marine community and innately understand the impacts they have on the environment and all of its terrestrial & aquatic inhabitants. The JCM team consists of individuals with a shared love of the water – inland creeks and rivers, and the wide-open oceans. They acknowledge the existence of the day-to-day micro-environment in which they operate – presenting, selling and maintaining recreational boats.
ENERGY EFFICIENCY APPROACH
Protecting the waterways is paramount to the Company’s ethos of “respectful use”. This also transfers into the way on-land operations are carried out. As a family owned and operated business, integrating a process of respect and care for the environment is something that is achieved with a top-down management approach. Taking action to show everyone on the team, that environmental responsibility is vital for the ongoing enjoyment of what we have today.
The current owners, Matthew and Anita Hodson purchased John Crawford Marine in 2004. After watching the steady increase in operational costs continually challenging profit margins they decided to tackle the challenge head-on. Matthew and Anita decided to investigate opportunities that started with significantly reducing their electricity costs. The rest followed from there.
The first step was changing the type of power sourced, moving from mains power to self-generation. A 5-kilowatt solar power generation system was installed on the roof of the administrative building costing approximately $15,000 to purchase and install. Electricity bills decreased significantly –from $1,000 per month down to only $300 - achieving a 75% reduction in electricity costs helped to pay the system off within 3 years.
The JCM team calculated how much electricity is consumed in a general 24-hour period. They then went on to calculate the capacity of the solar generation system. The outcome of the calculation was a shortfall, so the team started to identify what uses electricity and how it can be reduced.
Improvement actions include:
1. Installing a manual timer on half of the external floodlights used to night-light the yard. These lights are on timer to turn on at 6:00pm and off at 9:30pm daily.
2. Installing daylight sensors on the alternate half of the external floodlights will turn yard lighting on at dusk and off at dawn - providing artificial lighting for security and safety requirements.
3. Investigations are continuing to source a suitable LED replacement bulbs for external floodlights. Currently 6 x 1000W bulbs could be replaced using a 100W LED substitute, though the cost to purchase the LED bulb remains cost prohibitive – at this stage. As LED continues to decrease in price, a time will come when the purchase decision is justified.
4. Workshop lighting requirements were assessed and investigations found that 1 x 60W LED light source provided sufficient light enable the replacement of 2 x 500W Halogen lights. One of the existing fixtures was moved to a better position, providing more direct light to the area where light was required, rather than supplying light into areas where light was not required.
5. Passive heating and cooling techniques are now used in the administrative office building. Air-conditioning systems are no longer turned on at the start of the day; staff arrive in the morning and open the doors and windows to allow natural breezes and provide fresh-air ventilation. Window coverings are opened or closed depending on the season and if the space needs to be heated or cooled. The office now uses only 15kW of electricity each day.
On average there are 60 boats on the yard, each with 2 x batteries, which is a total of 120 batteries at any one time. Charging these batteries is difficult and can pose a safety risk when the need arises to have them charged. Multiple boats moved around the yard, into the workshop, can be risky with customers on the lot. The workshop area becomes congested and hard to move around.
Use a mobile solar panel. Attach the solar panel to a battery in a boat. Charge it using the sun’s power without the need to move the boat. It also becomes a beacon for sustainability, seen by drive-by traffic and customers to the yard.
The JCM team has grown to acknowledge that whilst the road to sustainability starts with one step, it can be a long and windy journey. Following the changes implemented in the office and lighting system, waste and recycling was the next area of focus.
Like a lot of other businesses, JCM used to have one large commercial waste bin onsite that was emptied on a regular cycle. After completing a thorough assessment of waste streams onsite, the following recyclables where identified for recycling:
• Scrap steel
• Flares and EPIRBs
• Office paper and cardboard
Recyclers were identified and one chosen to provide a recycling service for each of the listed products. Management of the waste and recycling process has now become so easy, it virtually looks after itself.
During the drought years in Brisbane, JCM underwent a process to develop a Water Efficiency Management Plan (WEMP) for water use onsite. As a retailer of product that resides outdoors, it is important for product to be kept as clean as possible, therefore using a significant amount of water in the daily washing of the boats.
The WEMP was an opportunity for management and employees to better understand workflow processes and identify areas for improvement or change. Simple things like adding a trigger gun onto the hose automatically turned the water off when it wasn’t needed.
A rainwater tank was also installed to capture water run-off from the roofs of the workshop and office, and plumbed back into toilets and the wash bay, reducing the need for potable town water down to zero. Another unexpected benefit of switching to rain water washing is that boats washed in rainwater do not need chamois – reducing labour time by 20 to 25 minutes per boat wash.
1. Understanding that costs will continue rise. Therefore it is imperative to minimise the cost impact on the business by reducing energy consumption and minimise waste. This is achieved by establishing a culture of nurturing - energy efficiency and recycling program are adopted in daily work routines.
2. Allow staff and management to feel they are working in an environment that is proactively reducing its energy consumption and wastage; and not to feel a sense guilt if we weren’t to do something.
1. JCM is acknowledged as a conscious of user of energy.
2. Adopting sustainability practices could not take place without collaboration and partnership.
3. Financial benefits achieved - continue to grow in value.
4. JCM’s reputation is maintained for being on the forefront of marine retail dealerships.
“...it is imperative to minimise the cost impact on the business by reducing energy consumption and minimise waste”
Anita and I would like to thank the National Retailers Association (NRA) and the Australian Government - Department of Industry for their efforts in compiling this study and recognising John Crawford Marine's efforts in energy sustainability and management.
|
economics
|
https://hitehedge.com/team/
| 2023-01-27T06:58:18 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764494974.98/warc/CC-MAIN-20230127065356-20230127095356-00457.warc.gz
| 0.958312 | 562 |
CC-MAIN-2023-06
|
webtext-fineweb__CC-MAIN-2023-06__0__32650321
|
en
|
Mr. Niblack has managed HITE’s portfolios since 2013. Over this time he has formalized HITE’s investment process bringing an emphasis on proprietary modeling and analytics and has overseen the build-out of HITE’s trading infrastructure. Mr. Niblack brings unique perspective from prior generalist experience at Bain & Company in both public equities investing and private equity due diligence. He earned his MBA from the Tepper School of Business at Carnegie Mellon University in 2004, and his B.S. in Computer Science from Wheaton College (IL) in 2001.
Mr. Jampel, founder of HITE, has been trading energy securities since 2004. Over that 18-year period, he has steadily grown assets from less than $1 million to over $600 million. Prior to HITE, James co-founded RoadLink USA, North America’s largest independent intermodal trucking company at the time, which he helped manage from 1998 – 2003. From 1991 to 1998 he was a Principal at A.T Kearney Management Consulting, specializing in board-level projects for Fortune 500 transportation providers. James earned an MBA in finance from Kellogg (Northwestern) in 1991, and a BA cum laude in economics from Harvard in 1985.
Mr. Levine has been in the investment industry since 2004. Prior to joining HITE, he founded Odin River, a firm focused on short-biased, ESG investing. He was previously on the investment team at Paulson & Co., deploying more than $10bn across industries including energy and automotive. He was also previously on investment teams at Artivest, Canyon Capital, Colony Capital, and PAAMCO and began his career in Power & Energy M&A at Lehman Brothers. Mr. Levine earned a JD cum laude from Harvard Law School and an MBA with honors from Harvard Business School in 2009 and an AB summa cum laude in Philosophy and BSBA magna cum laude in Finance from Washington University in St. Louis in 2001.
Mr. Levi has 30-years of investment experience with expertise in utilities, power, natural gas and cleantech sectors and has a track record of over 20 years as a portfolio manager in these sectors. He joined the firm after spending the last nine years at ExodusPoint Capital and Millennium. Previously, he joined Brencourt in 2007. In 2001 Andrew began managing capital in the energy sector for Bear Stearns, working closely with the late John Mulheren. His career began as a sell-side utilities analyst at Morgan Stanley, Furman Selz and Credit Suisse in the 1990’s, becoming a top ranked analyst in the sector. He graduated with a BS in Finance from Fairleigh Dickinson University in 1988.
|
economics
|
http://www.saintwallstreet.net/
| 2013-05-24T08:57:09 |
s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368704392896/warc/CC-MAIN-20130516113952-00074-ip-10-60-113-184.ec2.internal.warc.gz
| 0.939885 | 736 |
CC-MAIN-2013-20
|
webtext-fineweb__CC-MAIN-2013-20__0__69359418
|
en
|
How to Help Nonprofits Qualify for Sustainability
and Ensure the Biggest Bang for the Buck!
Charitable giving is being replaced today by charitable investing, as governments, foundations, and donors increasingly look to receive the biggest bang for their buck. Those who give money now see themselves not only as stakeholders, but as shareholders in the business of cost-effectively improving the human condition. To attract and sustain support driven by bottom-line interests, nonprofits must demonstrate not just social significance, but economic value. (See "Qualify for Sustainability" below.)
Saint Wall Street LLC provides training and technical assistance via the Change Leaders Advantage to help health and human services providers prove investment worthy in today’s value-driven marketplace. Change agents become change leaders who understand, communicate, and leverage the market value of their health and human services, using our proprietary Program Return on Investment™ (PROI) model to demonstrate returns on investment for taxpayers, governments, and businesses.
PROI-trained organizations have raised $40+ million in new funding!
Saint Wall Street LLC is an SBA-approved Woman-Owned Small Business and a growing company of strategic partners and instructors strengthening the programs that strengthen people. Our innovative, practical approaches empower the health and human-services program(s) you fund or manage to transition from fundraising to value-raising and achieve sustainability in any economic climate.
Click here to see how one nonprofit organization used its
PROI case for support to demonstrate return on investment.
Saint Wall Street LLC clients include federal and state agencies, universities, national intermediaries and individual organizations across America. For the past three years, PROI has been a sustainability training initiative funded by the Office of Family Assistance under the U.S. Department of Health and Human Services' Administration for Children and Families.
The following is offered to help you begin qualifying your organization(s) for sustainability.
Qualify for Sustainability
1. What does the organization want to sustain? (The answer is not funding.) People support what they value, namely: child and family well-being; public safety and justice; and economic development. Seek to sustain the efforts that remedy these concerns and generate tremendous returns on investment for government, businesses, and community.
2. Are organization leaders investment-worthy? People favor people who lead by example. Today, grant makers expect to see nonprofit boards provide financial support, executive directors think smart vs. small, and organizations collaborate vs. compete. Exhibit sustainable leadership by adopting these approaches and others that leverage internal relationships and resources.
3. Are human impacts being measured? People want their money to make a big difference. Beyond merely reporting numbers reached and served, produce a compelling case for support that documents positive changes in human behavior and reveals the resulting cost-benefits for taxpayers and businesses.
4. Is the organization duly recognized? People prefer getting behind efforts that are well-known and highly regarded by others. Discover how to publicize successes and their value at virtually no cost, and use the positive outreach to gain much-deserved recognition and support.
5. What’s the plan to develop new revenue streams? People provide sustainable support in many ways – grants, donations, sponsorships, and purchases. Engage value-driven strategic planning to develop sustainability strategies that will satisfy the interests of those who give money and inspire multiple forms of investment (grants, donations, corporate gifts and social impact bonds, as well as earned income), for years to come.
The Change Leaders Advantage, featuring PROI:
the missing piece to sustainability for nonprofit health and human services providers
|
economics
|
http://www.govdeals.com/TsandCs.cfm?acctid=863
| 2013-05-21T15:46:10 |
s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368700168711/warc/CC-MAIN-20130516102928-00088-ip-10-60-113-184.ec2.internal.warc.gz
| 0.943685 | 1,855 |
CC-MAIN-2013-20
|
webtext-fineweb__CC-MAIN-2013-20__0__164389192
|
en
|
County of Henrico
Online Sales – Terms and Conditions
Acceptance of Terms and Conditions. By submitting a bid, the bidder agrees that they have read, fully understand and accept these Terms and Conditions of Online Sales, and agree to pay for and remove the property, if the bid is accepted, by the dates and times specified.
Guaranty Waiver. All property is offered for sale “Sold As Is – No Warranty” at the point shown. County of Henrico (Seller) makes no warranty, guaranty or representation of any kind, expressed or implied, as to the merchantability or fitness for any purpose of the property offered for sale. Those submitting bids are expected to examine the property and determine for themselves the information they desire concerning it. The Buyer is not entitled to any payment for loss of profit or any other money damages – special, direct, indirect, or consequential.
Conflict of Interest. In accordance with the terms of the State and Local Government Conflict of Interests Act, Virginia Code, Sections 2.2-3100 through2.2-3127, the following provisions apply to the sale of surplus County property.
(1) Employees of an agency or office, including members of their immediate family, may not participate in the purchase from the County of any property which has been declared surplus by that agency or office and which is sold by public auction or through competitive sealed bidding.
(2) Employees of the Department of General Services - Central Automotive Maintenance, as well as members of their immediate family, may not participate in the purchase from the County of any automotive equipment sold at public auction or through competitive sealed bidding.
(3) Employees of the Department of General Services - Purchasing Office, as well as members of their immediate family, may not participate in the purchase from the County of any item which is sold at public auction or through competitive sealed bidding.
(4) Any County employee, regardless of his or her position, agency, or office, who has acquired, by reason of his or her position, confidential information about the property being sold, and which information is not available to the public. May not participate in the purchase from the County of any property (about which he has acquired confidential information), which is sold at public auction or through competitive sealed bidding.
(5) All County employees may purchase property from the County, which is offered for sale at uniform prices available to the public.
(6) In paragraphs (1) through (3) above, the term "immediate family" means a spouse and any other person residing in the same household as the officer or employee, who is a dependent of the officer or employee or of whom the officer or employee is a dependent. "Dependent" means a son, daughter, father, mother, brother, sister, or other person, whether or not related by blood or marriage, if such person receives from the officer or employee, or provides to the officers or employee, more than 1/2 of his financial support.
Questions concerning the application or interpretation of the State and Local Government Conflict of Interests Act with respect to the purchase or surplus property should be directed to the office of the Commonwealth Attorney or the County Attorney.
Description Warranty. The description of property offered for sale has been compiled from available data, but there is no guaranty or warranty on the part of the County as to condition or quality, or that the property offered or a portion thereof may not be withdrawn prior to the sale. The County can furnish no service of any kind and any cost of weighing, the bidder shall assume packaging, crating, loading, or hauling unless otherwise indicated. Bidders are invited and urged to inspect the property before submitting their bid. The responsibility as to the condition of the property rests with the bidder. Under no circumstances will a refund or adjustment be made because property not coming up to the standard expected, nor will failure to inspect be considered grounds for such claim. Please note that upon removal of the property, all sales are final, no refunds, no returns, and no exchanges.
Inspection. Most items offered for sale are used and may contain defects not immediately detectable. Bidders may inspect the property prior to bidding. Property may be inspected between the hours of 8:00a.m. and 3:00p.m., Monday through Friday, excluding legal holidays. For information, please contact the agency representative listed in “Special Instructions”.
Personal and property risk. Persons attending during inspection, sale or removal of goods assume all risks of damage of or loss to person and property and specifically release the Seller and GovDeals from liability therefore. The purchaser is to assume all liability for the property after the award is made. The County will exercise its usual care for protection up to the time of removal, but will not be responsible for any loss or damage whatsoever. No property may be removed by the purchaser prior to full payment of the purchase price.
Consideration of Bid. Seller reserves the right to reject any and all bids and to withdraw from sale any of the items listed and/or to waive all technicalities.
Buyer’s Certificate. Successful bidders will receive a Buyer’s Certificate by email from GovDeals.
Buyers Premium. If a Buyers Premium is shown on the auction page bidder box, then that amount (expressed as a percentage of the final selling price) will be added to the final selling price of all items in addition to any taxes imposed.
Payment. Payment in full is due not later than 5 business days from the time and date of the Buyers Certificate. Payment must be made electronically through the GovDeals Website. Acceptable forms of payment are:
· Wire Transfer
· American Express
PayPal and Credit Card purchases are limited to below $5,000.00. If the winning bid plus applicable taxes, if any indicated, and the buyer's premium, equals more than $4,999.99, PayPal and Credit Cards may not be used. If Wire Transfer is chosen, a Wire Transfer Transaction Summary page will provide payment and account information. The Wire Transfer must be completed within 5 days.
Sales Tax. State of Virginia sales tax of 5.0% of the final purchase price will be collected at time of payment, unless successful bidder can furnish tax exemption certificate or information.
Removal. All items must be removed within 10 business days from the time and date of issuance of the Buyer’s Certificate. Purchases will be released only upon receipt of payment as specified. Successful bidders are responsible for loading and removal and any and all property awarded to them from the place where the property is located as indicated on the website and in the Buyer’s Certificate. The Buyer will make all arrangements and perform all work necessary, including packing, loading and transportation of the property. Under no circumstances will Seller assume responsibility for packing, loading or shipping. Property may be removed between the hours of 8:00 a.m. and 3:00 p.m., Monday through Friday, excluding legal holidays. Please contact in advance to schedule time for pick-up. For information, please contact the agency representative listed in “Special Instructions”. The successful bidder must assume all liability that may be incurred in connection with the removal of the property from the premises. If the purchaser does not remove the property purchased within the specified number of days after date of the award, the County of Henrico reserves the right to retain the purchase price and re-sell the property a second time, keeping any proceeds obtained.
Vehicle Titles. Seller will issue a title or certificate upon receipt of payment. Titles may be subject to any restrictions as indicated in the item description on the website. Open titles cannot be issued. County of Henrico will not issue replacement titles.
Default. Default shall include (1) failure to observe these terms and conditions; (2) failure to make good and timely payment; or (3) failure to remove all items within the specified time. Default may result in termination of the contract and suspension from participation in all future sales until the default has been cured. If the purchaser fails to pay for the property within ten (10) days the property purchased may be promptly re-sold in such manner as the Director may elect and the defaulting purchaser charged with loss to County, if any, together with all expense of the sale. Seller reserves the right to reclaim and resell all items not removed by the specified removal date.
Authority to restrict or suspend. Current and future participation in public auctions is subject to the laws governing removal and suspension. The Purchasing Manager may restrict or suspend any person or firm from participation in the public sale of county-owned property who fails to complete transactions from bid. Reasons for removal or suspension includes, but is not limited to the following reasons:
1. Failure to pay for all items awarded.
2. Failure to remove all items awarded and paid for from county property with the time allowed.
|
economics
|
https://www.usd398.net/article/778662
| 2023-10-03T01:17:05 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511023.76/warc/CC-MAIN-20231002232712-20231003022712-00500.warc.gz
| 0.945388 | 576 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__97488517
|
en
|
School Nutrition Program Information for School Year 2022-2023
Congress did not extend federal school meal waivers and school meals will NO LONGER BE AVAILABLE TO ALL STUDENTS FREE OF CHARGE effective at the start of the 2022-2023 school year. Households may complete an application for Free or Reduced-Price School Meals starting July 1st, 2022 or during the 2022-2023 enrollment process. The new online application can be found here, https://schoolmealsapp.ksde.org/Home/welcome/D0398 . ALL families are encouraged to fill out an application as soon as possible. Only students with approved applications, or who are directly certified, will receive free or reduced-price meals for the 2022-2023 school year. Families who do not qualify for free meals will be responsible for paying for their child(ren)'s meals at reduced or paid rates. Meal Prices for the 2022-2023 school year are as follows:
Student paid Breakfast: $2.10 Student reduced Breakfast: $0.30
Elementary paid Lunch: $3.00 Student reduced Lunch: $0.40
JH/HS paid Lunch: $3.25 Extra Milk: $0.50
Frequently Asked Questions
Q: Will school meals be free of charge for ALL students in school year (SY) 2022-23?
A: No. Congress did not extend school meal waivers and school meals will no longer be available to ALL students free of charge. Students that do not qualify for free meals will be charged for each meal they take at the beginning of school year 2022-2023.
Q: How can households apply for free or reduced-price meal benefits for SY 2022-23?
A: Households can qualify for free and reduced-price meals by filling out an application either at the district office, at your school, or by filling out the new online application https://schoolmealsapp.ksde.org/Home/welcome/D0398
Q: Is there a way for households to apply online for free and reduced-price meal benefits?
A: Yes. The online application is located here, https://schoolmealsapp.ksde.org/Home/welcome/D0398
Q: When can my household complete an application for free and reduced-price meals?
A: Applications for free and reduced-price meals will be available beginning July 1st, 2022.
Q: When will households start being charged for meals?
A: At the beginning of the 2022-2023 school year, students who do not qualify for free meals will be charged for each meal taken.
Q: Who determines the meal price for paid meals?
A: Local school boards are required to set and approve student meal prices annually.
|
economics
|
http://www.bethesdaschools.org/support/patriot_partners.cfm
| 2017-04-23T13:51:59 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917118707.23/warc/CC-MAIN-20170423031158-00084-ip-10-145-167-34.ec2.internal.warc.gz
| 0.956862 | 381 |
CC-MAIN-2017-17
|
webtext-fineweb__CC-MAIN-2017-17__0__221562318
|
en
|
Patriot Partners is comprised of people who desire to help fulfill the mission of BCS ... to provide excellent academic instruction that is consistent with Biblical truth and which honors the name of Christ. This is accomplished as an investment in students, through prayer and financial support.
Excellent Christian education is expensive. This is especially true in a PK-12 school that strives to provide outstanding opportunities in academics, the arts, athletics, spiritual development and in the variety of activities that complete the educational experience.
BCS wants to be a school comprising of students from all economic levels. In other words, the school seeks to make Bethesda Christian's tuition accessible to all who desire a Christian education. However, with a rising cost of living, school expenses continue to escalate year after year.
That's why BCS needs the support of Patriot Partners ... to provide a quality Christian education for our students and to provide support of the school's Financial Aid Fund. Monies contributed for financial aid are used to offset the amount of financial aid that is made available to those families who qualify through the recommendation of a third-party agency. Typically, the total financial aid need far exceeds the available funds in the Financial Aid Fund.
Your support of this important endeavor will help ensure more and more families can enjoy the critical benefits of a Christian education for their children.
How can I become a Patriot Partner?
Support for Bethesda Christian students can be provided through a one-time gift or through a commitment to give on a monthly or other regular basis during each school year. Checks may be made payable to Bethesda Christian Schools or you can pay online using our donate now option. Appreciated securities, real estate or other items of value are also accepted.
If you would like to invest in our students by becoming a Patriot Partner, please contact Mr. David Stafford in the BCS Business Office at 317-858-2820.
|
economics
|
https://mikehenrysr.com/2015/07/03/your-insurance-at-work/
| 2023-01-31T03:25:20 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764499842.81/warc/CC-MAIN-20230131023947-20230131053947-00219.warc.gz
| 0.977103 | 477 |
CC-MAIN-2023-06
|
webtext-fineweb__CC-MAIN-2023-06__0__301613957
|
en
|
This year, my employer changed to a high-deductible plan to help maintain some sense of sanity with our health insurance premiums. Because my wife and I both need maintenance prescriptions to live, we began to learn how to manage deductibles and to work to keep our health-related expenses to a minimum. So I found places like GoodRx and others that help you with the cost of your medicine.
We recently exceeded our deductible and now pay 10% of the costs. So I was surprised when the cost of my Crestor was $30. You see, the cost of the Crestor before the deductible had been met was around $225 or less. I didn’t remember exactly what it was, but since I was paying more like 15% instead of 10% I thought I’d check.
GoodRx showed the drug as costing $227 at my local neighborhood Walgreens, in Collinsville, OK. This did require that I use a free coupon. So I decided to go back to Walgreens and offer them the coupon to reduce the burden on my insurance company. I was intrigued that the coupon would be worth $49. It seems a bit steep.
When I got back there, I was told that the $227 price was only if I was paying the bill. If they bill the insurance company, they bill $276. Interesting.
What do you think? Would you continue to support a business that charged your insurance company 20% more for the same drug? Would you continue to support an insurance company or vote for elected officials if they suggest that 20% is a fair price to pay for the insurance overhead, in addition to premiums? I’d appreciate your opinions below, assuming they’re civil.
You can also go here and tell Walgreens what you think. Feel free to refer to this article too. I don’t think my insurance company should pay the extra $50. I don’t care what you think about insurance companies. They don’t print the money they pay Walgreens. They collect it from us.
Note: In the end, Walgreens wasn’t charging more to the insurance company. When I got to the bottom of it, they were doing the right thing and I still use this store for my prescriptions.
|
economics
|
https://opsis.eci.ox.ac.uk/author/daniel-adshead/
| 2023-06-07T17:03:26 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224653930.47/warc/CC-MAIN-20230607143116-20230607173116-00278.warc.gz
| 0.899891 | 215 |
CC-MAIN-2023-23
|
webtext-fineweb__CC-MAIN-2023-23__0__89286337
|
en
|
Daniel’s doctoral research focused on the role of infrastructure in sustainable development. In particular, he looks at how infrastructure investments and policies can be most effectively implemented in order to achieve progress toward the UN Sustainable Development Goals and the Paris Agreement on climate change. Daniel uses engineering-based national infrastructure systems models to assess infrastructure needs in the context of uncertainty around future demographic, economic and climate change drivers in a range of international contexts, including small island and post-conflict countries.
Daniel’s research is part of the Infrastructure Transitions Research Consortium (ITRC), led by the University of Oxford. He also collaborates with the UN Office for Project Services (UNOPS) developing methodology and tools to enhance sustainability in infrastructure project delivery.
Prior to Oxford, Daniel spent nearly three years at the OECD Development Centre with a focus on economic and fiscal development in Latin America. He holds an MSc in Environmental Change and Management from Oxford, an MPhil in International Economics from Université Paris 1 Panthéon-Sorbonne and a BA from McGill University.
|
economics
|
https://www.edulinx.co.jp/en/2021/07/26/edulinx-itseki-partnership/
| 2024-02-24T09:47:12 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474526.76/warc/CC-MAIN-20240224080616-20240224110616-00591.warc.gz
| 0.944766 | 749 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__194697539
|
en
|
TOKYO, JAPAN, July 26, 2021
EdulinX Corporation (Head Office: Nishi-Shinjuku, Shinjuku-ku, Tokyo; President: Peter A. Owans), a provider of EdTech solutions for English language learning and human resources development, has announced the launch of a new e-learning course, “Finance & Accounting for Business Leaders.” The course is designed to help employers upgrade core employee skills in finance and accounting and was developed in collaboration with Itseki Group (Main office: Kanda Jinbocho, Chiyoda-ku, Tokyo; Representative: Toshiaki Susaki), a leading tax and accounting firm that provides top-notch services for global companies in Japan.
Empowering Employees with Finance Skills
“Clients often tell us that solid finance skills are one of their most critical needs for employee development,” said Peter A. Owans, CEO of EdulinX Corporation. “Our new Finance and Accounting course is designed to give employees the core skills they need on the job. Mastering these skills will also help their personal career growth.”
”Finance & Accounting for Business Leaders” teaches the fundamentals of financial accounting to those outside the accounting field, including business leaders, managers and high potential employees. The course will help students strengthen their financial literacy by introducing them to the different types of financial statements and how to conduct basic financial analysis. The course also covers financial goal setting, budgeting and performance review, as well as other essentials to effective, data-driven decision making. The course is taught through a combination of on-demand instructional videos and review tests for each lesson and can be completed in about ten hours.
Easy-to-Understand Lectures by Business Expert
Course materials include video lectures, workbooks and self-study tools to help students master essential financial concepts.
- Lectures feature Tomoya Shimada, a founder and partner of Itseki Group. Prior to founding Itseki, Shimada worked at Deloitte Tohmatsu, where he provided strategic finance and accounting services to Japanese companies ranging from large, publicly traded companies to venture-backed firms. He draws on his years of hands-on experience with financial reporting, due diligence and fraud investigations, M&A, IPOs and dealing with top management to give students a real-life view of financial statements in action.
- The instructional videos can be viewed as many times as desired. In addition, each lesson will have a review test that will check and reinforce the student’s knowledge of the material.
- The course is compatible with PC’s, smartphones, and tablets. The e-learning course can be taken anytime, anywhere, and is perfect for busy business leaders to study in their spare time.
The course, which can be accessed from the EdulinX website, is released in July, 2021.
About Itseki Group
Itseki Group is a professional firm of certified public accountants and tax accountants who provide expert accounting and tax services to global companies across Japan.
Prospera Training Solutions is a core brand of EdulinX, Japan’s leading Edtech company.
Prospera Training Solutions provides end-to-end educational technology solutions that guide organizations toward optimal performance. Our personalized on-demand learning solutions use a combination of award-winning content from trusted global partners and in-house designed courseware. Prospera Training Solutions works with clients to deploy the best practices and tools to develop talent and teams for positive change and results.
For further information please contact:
Solutions Strategy and Marketing Department
|
economics
|
https://xbarkerpeter9.skyrock.com/tags/4EfFXEVXwud-Welcome.html
| 2018-09-18T17:03:05 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-39/segments/1537267155634.45/warc/CC-MAIN-20180918170042-20180918190042-00298.warc.gz
| 0.969541 | 624 |
CC-MAIN-2018-39
|
webtext-fineweb__CC-MAIN-2018-39__0__165174818
|
en
|
Thank you for visiting Corliss Resources, Inc's website. We hope that your visit to our site is informative and helpful. Whether you are looking at the products we offer, what products are best to use for your specific project, or how to order; we believe that we can help. If you are not finding what you're looking for, our in house sales representatives are available to assist over the phone. We also will be happy to have one of our knowledgeable and qualified sales staff members contact you.
Four generations ago, John H. ("Doc") Corliss began hauling gravel out of the back of his buckboard wagon to service his neighbors—farmers, dairymen, and homeowners. Today John Corliss's company continues to take pride in helping both large and small clients by providing quality aggregates and concrete products to customers located in the Pierce and King County areas. Be it a newlywed couple planning the foundation of their dream home or a major contractor needing to direct the flow of gravel and concrete trucks to his multi-million dollar project, Corliss Resources provides the knowledge, means and manpower to get the job done on time and on budget.
Our commitment to quality is illustrated through the pride we take in our hardworking employees, state of the art facilities, and immaculate equipment. We at CRI believe that our customers are more then just customers; they are our partners in business. Your success is our success. We take pride in going above and beyond what is expected by taking ownership in the success of your project. We are constantly striving to improve the quality of our products and the knowledge of our employee's. Corliss's employees are certified and trained in many aspects of this industry and have years of experience.
The Corliss family has been doing business in the Pierce County Communities for almost a century. We take pride in the communities in which we and our employees' families live. That is why we have been committed to donate our time and resources to development of schools and community organizations.
The Corliss Family's business began in the year 1919 when John (Doc) Corliss provided gravel from the Corliss family homestead to Henry Kaiser Paving for building State Highway No. 5 between Sumner and Buckley. Doc's son Tim with his wife Vera and their son Harry expanded into the concrete business in 1945. Since that time Harry has added gravel processing plants and concrete batch plants to Enumclaw, Puyallup, Federal Way and Kent which provides excellent service ability to South King County and Pierce County. In 2003, Harry's son Scott spearheaded the building of the state of the art facility and truck shop located at the original Sumner site which was featured in Concrete Products Magazine in August of 2004. Today Scott Corliss is the President of Corliss Resources, Inc. and he has the assistance of his two sons, Eric Corliss, V.P. of Administration and Finance and Steve Corliss, V.P. of Operations making it the fourth generation to own and operate the business.
|
economics
|
https://horizon-international.ru/bookkeeping-2/depreciation-expense-journal-entry-example.html
| 2024-04-16T04:29:48 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817043.36/warc/CC-MAIN-20240416031446-20240416061446-00421.warc.gz
| 0.931789 | 746 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__159719973
|
en
|
The company can calculate the accumulated depreciation with the formula of depreciation expense plus the depreciated amount of fixed asset that the company have made so far. Depreciation expense will be calculated by the total cost of fixed assets less scrape value and divided by useful life. The original cost of the asset or its “basis” reflects all the costs to purchase the asset and put it to use for the business.A business will use one of two depreciation methods. The straight-line method calculates the depreciation at the same rate over time.
(In some instances they can take it all in the first year, under Section 179 of the tax code.) The IRS also has requirements for the types of assets that qualify. Depreciation is an accounting practice used to spread the cost of a tangible or physical asset over its useful life. Depreciation represents how much of the asset’s value has been used up in any given time period. Companies depreciate assets for both tax and accounting purposes and have several different methods to choose from.
Together, we provide innovative solutions that help F&A teams achieve shorter close cycles and better controls, enabling them to drive better decision-making across the company. Outside of the accounting world, depreciation means the decline in value of an depreciation journal entry item after purchase. In accounting, depreciation is the process of allocating the cost of an item over its anticipated useful life. This helps to ensure that company revenues are matched with the costs of assets used by a company to generate that revenue.
Now that you understand the journalizing of depreciation, we’ll next turn to look at the relationship between accumulated depreciation and depreciation expense. Some firms calculate depreciation from the middle of the month of purchase. For example, they treat an asset purchased on any day of the month as if it were purchased on the 15th day of the month. An asset purchase on September 1 would result in 3½ months of depreciation for that first year of service.
BlackLine Journal Entry Automation & Management Software
The method currently used by the IRS is the Modified Accelerated Cost Recovery System (MACRS). Like double declining, sum-of-the-years is best used with assets that lose more of their value early in their useful life. The purpose of depreciation is to allocate the cost of a fixed or tangible asset over its useful life.
- Accumulated depreciation is a contra account, meaning it is attached to another account and is used to offset the main account balance that records the total depreciation expense for a fixed asset over its life.
- Accelerate adoption and drive productivity and performance.One of the critical success drivers for any software technology is effective user training and adoption.
- Kenzie pays shipping costs of $1,500 and setup costs of $2,500, assumes a useful life of five years or 960,000 pages.
- Calculate the accumulated depreciation and net book value of the equipment at the end of the third year.
- On the other hand, the accumulated depreciation is an item on the balance sheet.
One unique feature of the double-declining-balance method is that in the first year, the estimated salvage value is not subtracted from the total asset cost before calculating the first year’s depreciation expense. However, depreciation expense is not permitted to take the book value below https://www.bookstime.com/ the estimated salvage value, as demonstrated in the following text. For example, on Jan 1, the company ABC buys a piece of equipment that costs $5,000 to use in the business operation. The company estimates that the equipment has a useful life of 5 years with zero salvage value.
|
economics
|
http://www.ohiolawnmower.com/new-equipment/compact-tractors/3-family-32-45hp-/3025e-compact-utility-tractor/
| 2023-12-09T02:50:45 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100781.60/warc/CC-MAIN-20231209004202-20231209034202-00755.warc.gz
| 0.911615 | 171 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__190426279
|
en
|
*Offer valid on new 3025E Compact Tractor purchases made between 11/1/2016 and 2/28/2017. Subject to approved installment credit with John Deere Financial. Up to a 20% down payment may be required. Example: based on a purchase of $13,500 with $2,700 down payment, monthly payment of $129 at 0% APR for 84 months. Taxes, freight, set up and delivery charges could increase the monthly payment. Price and model availability vary by dealer. Valid only at participating US dealers. **Beginning 1/1/2016 all Compact Utility Tractors purchased new from an authorized John Deere Dealer come standard with a 6 year/2000 hour (whichever comes first) Powertrain Warranty. See the Limited Warranty for New John Deere Turf & Utility Equipment at dealer for details.
|
economics
|
https://www.umbrella-homes.co.uk/shared-ownership/
| 2022-08-19T20:31:12 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882573760.75/warc/CC-MAIN-20220819191655-20220819221655-00661.warc.gz
| 0.955245 | 737 |
CC-MAIN-2022-33
|
webtext-fineweb__CC-MAIN-2022-33__0__114143390
|
en
|
Shared ownership is a government initiative to assist people to get on the housing ladder with smaller deposits. This is such an important scheme that we, at Umbrella Homes, believe it deserves greater focus - with a committed estate agency who fully understand it.
Selling and buying a shared ownership property may be a little bit different, but here at Umbrella Homes we celebrate difference - and our friendly team are here to make home ownership as easy as possible.
Shared Ownership is an alternative way to buy a home with a lesser combined household income and smaller deposits.
You purchase a share in a property and pay rent to a Housing Association on the remaining share. When you can afford to increase your share, you can (a solicitor will arrange this for you) - until you are able to buy the property outright!
It couldn’t be easier.
Absolutely, it would be our pleasure!
Our friendly and approachable team are here to guide and help you each step of the way, please call our offices and we would be happy to help in any way we can.
Typically, first-time buyers or existing Shared Ownership homeowners - unless you can demonstrate that existing home is no longer suitable or sustainable.
You must have a combined household income of less than £80,000 per year (£90,000 in London) and priority is given to military personnel.
From April 2021, you can purchase as low as 10% - up to a maximum of 75% initially (this is subject to your affordability).
This depends upon the value of the property.
However, as a rough guide you can use this calculation:
Take the remaining share you are not buying then multiply it by 2.75%, and then divide by 12 to get your estimated monthly rent.
Yes, this is called ‘Staircasing’.
When you’re in a financial position to acquire additional shares, you arrange this directly with the Housing Association through a specialist solicitor. The more shares you buy, the less you pay in rent until you own outright, we can arrange this for you, just call us!
Housing Associations are non-for-profit organisations that provide communities with affordable homes.
The money they make is re-invested thus funding further projects - helping more people achieve their dreams of owning their own home.
Totally! This is the best part – it’s your home!!
Yes, you can.
If you wish to sell your property whilst still owning a share in your home, the Housing Association have the right to source a purchaser within 8 weeks. If they are unsuccessful you can market your property on the open market with an Estate Agent of your choosing.
If you have ‘staircased’ your share to 100%, then you can sell the property at a value advised by your Estate Agent like any other property.
Often yes - if you can demonstrate that your current home is no longer affordable or sustainable.
Your property must be advertised on the open market.
It is typical that service charges are applied to leasehold properties in general (including Shared Ownership properties) - particularly flats and apartments.
Service charges are applied to cover things such as communal garden maintenance, window cleaning and upkeep of communal areas etc…
This is often dependent on the type of property you buy – when buying a Shared Ownership house, then it is usually fine to have pets. Apartment blocks do not always allow pets.
It is reliant on the type of lease you have with the Housing Association, so make sure you ask this question before you buy.
|
economics
|
https://www.rakemark.com/blog/interesting-trends-in-website-design-and-web-strategy/
| 2021-06-21T03:02:22 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-25/segments/1623488262046.80/warc/CC-MAIN-20210621025359-20210621055359-00580.warc.gz
| 0.972687 | 296 |
CC-MAIN-2021-25
|
webtext-fineweb__CC-MAIN-2021-25__0__36414821
|
en
|
Despite economic recession most small business customers do not expect a decline in revenue over the next year and expect to make additional investments in website design, search engine optimization and email marketing to expand their business, according to a survey released by Register.com
The findings highlights are
- 55% of respondents have registered more than one domain name for their business
- 41% saw more than a quarter of their total revenue from web sales
- 20% don’t know how much revenue they are getting through their site
- 70% of the respondents don’t expect their web revenue to decline despite economic conditions
- Top areas for technology investment are website design (53%), SEO (43%), and email marketing (41%).
Register.com CEO Larry Kutscher said "Having a website has become more than a luxury for small businesses and entrepreneurs, it is a necessity." Kutscher continued "Our small business customers know that investing in a great website is a more effective way to reach potential customers and stay in contact with existing clients. The response to our survey shows the result of this investment, as a majority of customers expect no decline – and many expect growth – in their web revenues over the next year."
Register.com received replies from more than 800 of its small business customers, 72% of which responded that they are an owner or partner of a small business. The survey was conducted over a three week period, April 28 – May 16, 2008.
|
economics
|
http://alexandracourthusband55208.look4blog.com/9892510/the-first-step-you-have-to-take-to-get-rich-in-the-stock-market
| 2019-01-17T07:50:21 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-04/segments/1547583658844.27/warc/CC-MAIN-20190117062012-20190117084012-00281.warc.gz
| 0.969421 | 656 |
CC-MAIN-2019-04
|
webtext-fineweb__CC-MAIN-2019-04__0__101554976
|
en
|
I am extensively recognized as a leading professional in the stock market and especially at mentor you how to become your neighbor's millionaire next door. I didn't start as competent and experienced as I am now. I began knowing almost absolutely nothing. When a full service stock broker stole $85,000 from my eighty year old grandmother, I was so inexperienced in my early twenties that I could only stand by. I viewed the across the country stock brokerage safeguard the interests of the complete service broker and my grandma lost whatever.
The pain of this was so intense that it drove me to complete my Ph.D. in finance-- less than a hundred of us graduate in this degree worldwide each year due to the fact that it is so mathematically challenging. My aggravation and anger at the big abundant forces behind Wall Street drove me to become a modern master of loan. This is what you have to do-- wake up!!! Get up to the truth that you can make it as a stock financier. Get up to the fact that you manage your destiny which you can stop handing all of the control over to the Wall Street device that could definitely care less about your monetary future. This is the initial step-- take complete obligation for you earnings, savings and financial investment.
I learned years back from a pal of mine, Dr. Van Tharp, Ph.D., that if I didn't take complete duty for my investing that I would never ever progress-- I would just break the vulnerable feedback loop that enables everyone to gain from our errors. At any time you blame anyone for a financial error you destroy the chance to learn and prosper from the scenario. The easy choice you must make is to deeply, completely, strongly, and finally, state to your self, "I am the master of my universe-- I remain in control-- Wall Street has no power over my mind" is the key important change you should make in your thinking.
Some people have a peek at this website will believe that you are arrogant however just blow them off and laugh all the way to the bank. Stop listening to people-- are these meddlesome little bug a bugs in your life that so quickly nay state your financial investment dreams paying your bills or offering you loan to move ahead-- no so blow them off! They just wish to provide you bad guidance so that you fall into their exact same financial loser traps. In terms of investing become an island unto yourself and very thoroughly cultivate relationships with individuals who really do know what they are performing in investing. This is exactly what I did. I started seeking out individuals who truly understand the markets. I discovered them over time and I asked them lots of concerns.
I am extensively recognized as a leading expert in the stock market and specifically at teaching you how to become your next-door neighbor's millionaire next door. I was so inexperienced in my early twenties that I could only stand by when a complete service stock broker stole $85,000 from my More hints eighty year old granny. I saw the nationwide Homepage stock brokerage protect the interests of the complete service broker and my grandmother lost everything.
This is what you have to do-- wake up!!! Wake up to the fact that you can make it as a stock financier.
|
economics
|
https://www.mxfencing.co.uk/fees
| 2022-06-30T03:38:14 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103661137.41/warc/CC-MAIN-20220630031950-20220630061950-00374.warc.gz
| 0.951056 | 334 |
CC-MAIN-2022-27
|
webtext-fineweb__CC-MAIN-2022-27__0__187178404
|
en
|
Club Fees and Lessons
Club fees are payable on a termly basis (i.e. three times per year). There are three rates based on how regularly you train:
One night per week - £100 per term
Two nights per week - £170 per term
Three nights per week - £210 per term
These fees do not include lessons or competition coaching, which are paid for separately.
For 2021/22, fees are due as follows:
Term 1 - by 24 September 2021
Term 2 - by 24 January 2022
Term 3 - by 2 May 2022
The easiest way to pay is by bank transfer or standing order. Payment details can be found in the Club Fees document linked below.
Guest fees are £12.00 per session. Students with a valid NUS card can pay £20.00 for four sessions. Lessons (when available) for non members are £0.50-£0.75 per minute.
Fees are renewed annually at the AGM.
Coaching at competitions costs £10 per competition per fencer. This is to cover the coach's expenses.
British Fencing Membership
As well as club fees, all club members need to join British Fencing. There are a number of different membership levels, from a 3 month 'introduction' membership all the way through to a full competitive licence. Details can be found on the British Fencing website linked below.
Please note, if you intend to enter any fencing competitions (including Leon Paul Junior Series or the British Youth Championships) you will need a competition level membership.
|
economics
|
https://www.ncrgea.com/6809-2/
| 2018-07-19T17:34:47 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676591150.71/warc/CC-MAIN-20180719164439-20180719184439-00208.warc.gz
| 0.948462 | 591 |
CC-MAIN-2018-30
|
webtext-fineweb__CC-MAIN-2018-30__0__184962702
|
en
|
Click to read July 20, 2017 press release from State Treasurer Dale Folwell on Fiscal Year Pension Returns
FOR IMMEDIATE RELEASE
Contact: Frank Lester (919) 814-3811
July 20, 2017
Treasurer Folwell Reports 10.6 Percent Increase for Fiscal Year Pension Returns
Fund Balance Hits All-Time High during 2nd Quarter
RALEIGH, N.C. — State Treasurer Dale R. Folwell, CPA, today reported preliminary state pension fund (the Fund) returns for the second quarter of 2017 ending June 30, 2017. The Fund, comprised of the retirement plans the Department of State Treasurer manages, reported gains of 2.7 percent for the quarter. Pension fund assets were valued at $93.9 billion, up from $92.2 billion at the end of the first quarter of 2017. These figures and all of the following performance figures are reported net of all fees and expenses.
For the fiscal year ending June 30, 2017, the preliminary report indicates the Fund earned 10.6 percent. Public equity (stocks), which makes up almost 40 percent of the total fund, gained 19.0 percent. Private equity rose 9.5 percent while Non-Core Real Estate and Opportunistic Fixed Income returned 10.8 percent and 10.9 percent respectively.
The Multi-strategy portfolio rose 12.9 percent for the twelve month period. Inflation-sensitive and Diversifier investments also increased by 11.2 percent and 8.2 percent respectively. Finally, Investment-Grade Fixed Income returned a loss 0.3 percent for the same period.
“The state pension fund achieved its highest valuation ever during the second quarter of the year,” said Treasurer Folwell. “In this low interest rate environment, we are pleased our funds did so well, while at the same time, the pension fund as a whole had less exposure to risk. I want to thank those responsible for this great performance but I am cautious about returns going forward.”
Since beginning his first term in January, Treasurer Folwell has aggressively set out to reduce fees paid to Wall Street. During the last fiscal year-end report, those fees exceeded $600 million dollars while investment returns were only 0.8 percent. To date, more than $60 million in fees have been cut for a run rate during his first term of at least $240 million. In addition, Treasurer Folwell has renegotiated contracts across the divisions of the Department of State Treasurer that have saved taxpayers tens of millions of dollars.
The North Carolina Retirement Systems, the formal name for the pension fund, is the tenth largest public pension fund in the country. It provides retirement benefits and savings for more than 900,000 North Carolinians, including teachers, state employees, firefighters, police officers and other public workers. For more information, visit www.nctreasurer.com.
|
economics
|
http://www.resellerhosts.in/about/
| 2017-11-20T07:30:46 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-47/segments/1510934805923.26/warc/CC-MAIN-20171120071401-20171120091401-00687.warc.gz
| 0.949636 | 469 |
CC-MAIN-2017-47
|
webtext-fineweb__CC-MAIN-2017-47__0__40805152
|
en
|
Reseller hosting is an option that involves one company (a hosting provider) renting hard drive space and bandwidth to another company (small-mid size business), who then rents the space to third parties (entrepreneurs small business). Simply put, reseller hosting is the ability to provide hosting to your own clients as if you yourself were the web hosting company. This is typical for aspiring entrepreneurs who want to start their own web hosting firm or for current web developers and designers who desire to add additional services to their brand.
Reseller hosting is a form of web hosting wherein the account owner has the ability to use his or her allotted hard drive space and bandwidth to host websites on behalf of third parties. The reseller purchases the host’s services wholesale and then sell them to customers, possibly for a profit. A certain portion of hard drive space and bandwidth is allocated to the reseller account. The reseller may rent a dedicated server from a hosting company or resell shared hosting services. In the latter case, the reseller is simply given the permission to sell a certain amount of disk space and bandwidth to their own customers without renting a server from a web hosting company they signed for a reseller account with.
How does Resellerhosts.in work?
Here are the (perhaps over-simplified) steps to establishing a reseller business:
1) Research and select a hosting company.
2) Purchase the reseller package that meets the goals of your business.
3) Know and understand your target market to locate your new customers.
4) Create your own branded hosting packages.
5) Decide your price.
6) Sell hosting packages to your clients.
7) Earn profit.
What are the benefits of joining with us?
Taking advantage of reseller hosting offers incredible benefits to your new or existing brand. As a reseller you’ll:
- Get to act as a hosting company – make money hosting and creating websites
- Easily make profits
- Design your own hosting plans and packages that are tailored to your own business and clients
- Host and bill your customers using your unique brand
- Make independent cPanel control panels for each of your clients
- Save money with its low initial start-up costs with the opportunity to upgrade later
|
economics
|
http://fr.xpjvip.app/kouyi/202010/618903.shtml
| 2020-10-29T13:50:48 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-45/segments/1603107904287.88/warc/CC-MAIN-20201029124628-20201029154628-00373.warc.gz
| 0.839903 | 2,520 |
CC-MAIN-2020-45
|
webtext-fineweb__CC-MAIN-2020-45__0__56255519
|
en
|
Report on the Implementation of the 2019 Plan for National Economic and Social Development and on the 2020 Draft Plan for National Economic and Social Development
Delivered at the Third Session of the Thirteenth National People’s Congress on May 22, 2020
National Development and Reform Commission
The National Development and Reform Commission has been entrusted by the State Council to deliver this report on the implementation of the 2019 plan and on the 2020 draft plan for national economic and social development to the Third Session of the 13th National People’s Congress (NPC) for your deliberation. The Commission also invites comments from members of the National Committee of the Chinese People’s Political Consultative Conference (CPPCC).
I. Implementation of the 2019 Plan for National Economic and Social Development
In 2019, under the strong leadership of the Central Committee of the Communist Party of China (CPC) with Comrade Xi Jinping at its core, as well as the guidance of Xi Jinping Thought on Socialism with Chinese Characteristics for a New Era, all regions and departments fully implemented the guiding principles of the 19th CPC National Congress and the second, third, and fourth plenary sessions of the 19th CPC Central Committee. We raised our consciousness of the need to maintain political integrity, think in big-picture terms, follow the leadership core, and keep in alignment; increased our confidence in the path, theory, system, and culture of socialism with Chinese characteristics; and resolutely upheld General Secretary Xi Jinping’s core position on the Party Central Committee and in the Party as a whole, and resolutely upheld the Party Central Committee’s authority and its centralized, unified leadership. We faithfully executed the decisions and plans of the Party Central Committee and the State Council, implemented the Report on the Work of the Government and the 2019 Plan for National Economic and Social Development approved at the Second Session of the 13th NPC, and adopted the NPC Financial and Economic Affairs Committee’s suggestions based on its review of the 2019 plan. We followed the general principle of pursuing progress while ensuring stability, continued to apply the new development philosophy, advanced supply-side structural reform as our main task, pursued high-quality development, and took solid steps to ensure stability on six fronts.* We coordinated efforts to maintain stable growth, promote reform, make structural adjustments, improve people’s lives, guard against risks, and maintain stability. (*The six fronts refer to employment, the financial sector, foreign trade, foreign investment, investment, and expectations.) The main targets and tasks in economic and social development for the year were accomplished, and progress in achieving the main targets listed in the 13th Five-Year Plan (2016-2020) met our expectations. All of these successes laid a crucial foundation for completing the building of a moderately prosperous society in all respects.
1. We conducted well-conceived macro regulation and kept major economic indicators within an appropriate range. We strengthened range-based, targeted, well-timed, and precision regulation, stepped up coordination between policies, and improved the management of expectations, thus promoting stable and healthy economic growth.
1) Major macroeconomic targets were achieved. China’s gross domestic product (GDP) reached 99.1 trillion yuan, an increase of 6.1%, which was consistent with the projected target. A total of 13.52 million urban jobs were created, and the year-end survey-based and registered urban unemployment rates were 5.2% and 3.62% respectively. The consumer price index (CPI) rose by 2.9%. A basic equilibrium was maintained with regard to the balance of payments, and foreign exchange reserves were kept at over US$ 3 trillion.
2) Counter-cyclical macro policy regulation proved to be effective. With the focus on cutting taxes and fees, we implemented a proactive fiscal policy with greater intensity and better performance, continued to improve the structure of government spending, and ensured sufficient funding for major areas such as the improvement of living standards. Revenue in the national general public budget was 19.04 trillion yuan, an increase of 3.8%; expenditures totaled 23.89 trillion yuan, an increase of 8.1%; and the fiscal deficit was 2.76 trillion yuan, the same as the budgeted figure. Tax and fee reductions totaled 2.36 trillion yuan over the year. We appropriately expanded the range of uses for special local government bonds and quickened the pace of bond issuance. We maintained a prudent monetary policy with an appropriate level of intensity. Counter-cyclical regulation continued to have an effect, and the credit structure continued to improve, while the credit supply to the real economy, particularly to micro and small businesses and private enterprises, was increased further. At the end of 2019, growth in the M2 money supply was 8.7%, and aggregate financing grew by 10.7%. We made greater efforts to implement the policy of prioritizing employment, as well as the policy of refunding unemployment insurance premiums, and increased support for enterprises in keeping employment stable. A stable employment situation was generally maintained with regard to key groups such as college graduates, rural migrant workers, and demobilized military personnel.
2. We moved forward with supply-side structural reform and promoted the formation of a strong domestic market. We adhered to our principles of consolidating the gains made in the five priority tasks, strengthening the dynamism of micro entities, upgrading industrial chains, and ensuring unimpeded flows in the economy. We consistently advanced industrial restructuring, and worked hard to keep circulation dynamic in order to ensure that market supply meets demand.
1) Supply-side structural reform in agriculture was advanced. We made sustained efforts to ensure sufficient grain production, maintaining total grain output at over 650 million metric tons for the fifth year in a row. We adopted a strategy for securing the supply of major agricultural products and implemented a scheme to revitalize the production of soybeans. Functional zones for grain production and protective areas for the production of major agricultural products were established. Farmland irrigation and water conservancy continued to improve, with the total area of high-quality cropland increasing by 5.33 million hectares and the total area of farmland covered by efficient water-saving irrigation increasing by 1.33 million hectares. We continued our efforts to prevent and control African swine fever and accelerate the recovery of hog production, and improved the system for the production, supply, storage, and sale of vegetables. We refined the policy for setting minimum prices for state grain purchases and the policy for guaranteeing base prices for cotton. We advanced reform of the system for the state purchase and storage of major agricultural products and the reserve system for important agricultural supplies. Cold-chain logistics and storage facilities for agricultural products witnessed rapid development. We continuously promoted industrial integration in rural areas, resulting in the establishment of 107 modern agriculture industrial parks and 210 demonstration parks for integrated industrial development in rural areas. We also accelerated the formulation and improvement of a new policy framework to support and protect agriculture.
2) Transformation and upgrading of manufacturing picked up pace. We rolled out policies and measures to promote high-quality development of the manufacturing sector and released the Catalog of Industrial Structural Adjustments (2019). We continued to employ market- and law-based methods to cut outmoded coal production capacity by around 100 million metric tons, prudently moved forward with the merging and reorganization of steel enterprises, and implemented major petrochemical projects. We organized a new series of technological transformation projects, and promoted the demonstration and application of newly-developed equipment that was made in China such as Chinese standard type-A subway cars.
3) Solid steps were taken to promote high-quality development of the service sector. We introduced policies and measures on high-quality development of the service sector and transformation and upgrading of traditional service industries, stepped up the development of new forms and new models of business, and promoted the integrated development of advanced manufacturing and modern services. We supported the development of platforms for generic technology R&D, industrial design, and the industrial internet.
4) More support was provided to help reduce costs in the real economy. The rate of value added tax (VAT) was lowered from 16% to 13% in manufacturing and several other industries, and from 10% to 9% in industries such as transportation and construction. We implemented general-benefit tax cuts for micro and small businesses, raising the VAT threshold from 30,000 yuan to 100,000 yuan in monthly sales for small-scale taxpayers. We enabled all provincial-level regions to reduce the ratio of enterprise contributions to workers’ basic old-age insurance to 16%, and extended for another year the policy of temporary reduction of premiums for unemployment insurance and workers’ compensation. We deepened reforms to liberalize interest rates, with overall financing costs being notably reduced throughout society. We settled overdue payments of 664.7 billion yuan owed by government departments and state-owned enterprises (SOEs) to private enterprises and small and medium-sized enterprises (SMEs). We further cut the number of items in the catalog of government-set business service fees, and cancelled or lowered some administrative charges. The price of electricity for general industrial and commercial businesses was cut by another 10% on average, thus reducing electricity costs for businesses by 84.6 billion yuan for the year. We helped businesses save 79 billion yuan by enabling them to buy electricity directly from power generation companies. We lowered the prices for refined oil products, natural gas city gate prices, and prices for natural gas transmission through trans-provincial pipelines, lightening the burden on consumers by approximately 65 billion yuan. Through rescinding or cutting railway charges, port charges, and civil airport charges, we helped reduce the burden on businesses by more than 10 billion yuan.
5) New growth areas in consumption that benefit the people continued to expand. We introduced several policies and measures to speed up commodity distribution and facilitate consumption, to improve the quality and expand the size of the domestic services sector, to unlock consumption potential in the areas of culture and tourism, to encourage fitness and sports consumption, and to promote the development of “internet-plus social services.” We stepped up support for nighttime consumption, and encouraged the purchase of new automobiles, home appliances, and electronic products to replace old ones. Comprehensive demonstrations for introducing e-commerce into rural areas were carried out. Express delivery depots in rural areas exceeded 30,000, thus covering 96.6% of all townships and towns. Total annual retail sales of consumer goods exceeded 40 trillion yuan, an increase of 8.0%. Total online retail sales nationwide reached 10.6 trillion yuan, an increase of 16.5%, with sales of goods increasing by 19.5% and accounting for 20.7% of the total retail sales of consumer goods. We successfully organized a series of activities for the 2019 Chinese Brands Day.
6) We appropriately expanded effective investment in key areas. We published the Regulations on Government Investment, and lowered, as appropriate, capital contribution requirements for projects in priority areas. We improved the reserve mechanisms for major projects, and actively promoted the construction of projects funded by special bonds. We carried out public-private partnership (PPP) projects in a well-regulated and orderly way, and encouraged the participation of non-governmental capital in key areas to shore up points of weakness. Out of 172 major water conservancy projects, construction has already begun on 144 projects. The Plan for Developing China’s Strengths in Transportation was published. The construction of 23 national logistics hubs was steadily advanced. The preliminary work for the Chengdu-Lhasa railway progressed steadily. Beijing Daxing International Airport began operation. The construction of large hydropower stations such as Wudongde and Baihetan was accelerated. By the end of 2019, the total length of in-service railways exceeded 139,000 kilometers, including 35,000 kilometers of high-speed rail lines, the number of civil airports in service totaled 235, the total length of power grids of 220 KV and above increased by 34,000 kilometers, and trunk oil and gas pipelines increased by 4,000 kilometers. The fixed-asset investment for the year (excluding investment by rural households) rose by 5.4%, with investment from non-governmental sources growing by 4.7%, while the composition of investment witnessed a continuous improvement, with investment in high-tech industry and the social domain up 17.3% and 13.2% respectively.
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economics
|
http://doku.com/tailored-solutions/doku-suite
| 2013-12-08T01:05:04 |
s3://commoncrawl/crawl-data/CC-MAIN-2013-48/segments/1386163056995/warc/CC-MAIN-20131204131736-00086-ip-10-33-133-15.ec2.internal.warc.gz
| 0.933906 | 239 |
CC-MAIN-2013-48
|
webtext-fineweb__CC-MAIN-2013-48__0__68327556
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en
|
Studies show that online merchants can enjoy up to 12% in sales conversion, by offering 3 or more payment types other than cards to their customers can enjoy an increase of up to 12% in sales conversions. But integrating multiple payment types means spending a lot of time and money.
This is where DOKU makes it simple for your business.
By adopting DOKU Suite, you'll be able to offer credit and debit card payments, as well as popular non-card options like KLIK BCA, PayPal, and other Internet Banking Payments.
Not only that, when you get a merchant account through DOKU, you'll also get a best-in-class price.
Secure and compliant - all payments processed through the DOKU Suite are PCI DSS Level 1 compliant.
One integration, many options - integrate once and you can offer any or all of our wide range of international payment options to your customers at any time.
Highly customizable - reinforce trust and maximize your sales by putting your brand on your payment page and customizing the payment workflow
For more information on how to accept these sales & promo tools, contact [email protected].
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economics
|
http://www.bgiengitech.in/infrastructure.html
| 2017-08-18T20:01:06 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-34/segments/1502886105108.31/warc/CC-MAIN-20170818194744-20170818214744-00653.warc.gz
| 0.94111 | 117 |
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|
webtext-fineweb__CC-MAIN-2017-34__0__93816674
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en
|
Our Infrastructure We have developed a sprawling infrastructure in Ahmedabad, Gujarat, which sprawls over an area of 1,900 square feet. Our infrastructure is segregated into various departments such as manufacturing, production, quality control, research & development, warehousing, packaging & administrative and sales & marketing. This is done to facilitate easy operation and ensure organized handling of business operations. Besides, our infrastructure is incorporated with all the modern machinery, tools and equipment. To maintain the efficient rate of production and to keep in pace with the upcoming advancements, we frequently upgrade the machinery, tools and equipment.
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economics
|
https://shantimissionamerica.org/online-giving/
| 2023-11-29T22:37:19 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100146.5/warc/CC-MAIN-20231129204528-20231129234528-00415.warc.gz
| 0.941224 | 136 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__305586748
|
en
|
We welcome general contributions and donations from those who would like to support the work of Shanti Mission America and our many programs.
If you’re too busy with work or other commitments to volunteer, a financial contribution can have great benefit in helping to develop your own karmic grace.
Shanti Mission America is a registered 501(c)(3) nonprofit organization. Your contribution is tax-deductible to the extent allowed by law. No goods or services were provided in exchange for your generous financial donation.
You can contribute via Paypal – see below for details.
Payments are processed in US dollars. Refer to T&Cs for further details.
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economics
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https://blackburnconsulting.com/portfolio/longleaf-drive-bridge/
| 2023-06-08T08:03:42 |
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en
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City of Elk Grove
Sacramento County, CA
2010 – 2013
In 2012, the City of Elk Grove opened an extended Longleaf Drive and new 160-foot long, 58-foot wide, four-span, cast-in-place, reinforced concrete slab bridge over Elk Grove Creek. Though small, this important project supported economic growth through improved access to local businesses.
Blackburn provided geotechnical recommendations for the project. We evaluated the feasibility of spread footing, driven pile, and cast-in-drilled-hole (CIDH) pile foundation alternatives for bridge support. Due to scour issues and potential difficult pile driving conditions, we provided recommendations for CIDH piles to support the bridge. Blackburn also provided geotechnical support and quality assurance materials testing during construction. We provided services on time and within budget.
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economics
|
https://riverfront.org/herewegrow/
| 2024-04-17T08:04:15 |
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| 0.89689 | 661 |
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Riverfront Recapture to Transform 60-Acres of Riverfront Land into Community Park, Expand Access, and Create Regional Connections
Riverfront Recapture has purchased 60 acres of riverfront land on the Hartford-Windsor town line to build a new community park. This acquisition will allow Riverfront Recapture to complete a regional trail connection between the Hartford and Windsor Riverwalks and connect even more people with the Connecticut River.
“As we celebrate our organization’s 40th anniversary, we’re thrilled to continue the work of recapturing the riverfront. This land purchase gives us a rare opportunity to conserve one of the last riverfront parcels in the region and significantly expand public access to the Connecticut River. The redevelopment plan represents a transformational investment in the multimodal transportation system along the Connecticut River, will drive economic development, and improve the environment and community health in the underserved neighborhoods surrounding the park. We are very grateful to our project investors for making it possible,” said Michael Zaleski, President and CEO of Riverfront Recapture.
The purchase of this property was funded by private investors, including a leadership gift from the Richard P. Garmany Fund at the Hartford Foundation for Public Giving, The William and Alice Mortensen Foundation, and The Mowell Family Fund at the Hartford Foundation for Public Giving, with generous legal support from Robinson + Cole.
The State of Connecticut Bond Commission provided funding for redeveloping public areas of the park and constructing the trail connection via the Capital Region Development Authority (CRDA) and the Connecticut Department of Energy and Environmental Protection (DEEP). Additional funding for trail development comes from a Community Connectivity Grant, awarded to the town of Windsor in partnership with Riverfront Recapture by the Connecticut Department of Transportation (DOT).
Plans for the property include the creation of Garmany Cove, a nine-acre cove which will be the site of Riverfront Recapture’s envisioned paddle sport and outdoors center, featuring rowing, kayaking, canoeing, dragon boating, and stand-up paddle boarding. Additional concepts include new trails, space for a 10-acre commercial development, and infrastructure such as a fishing pier, docks, and maintenance facilities. A poor-quality wetland will be replaced by an ecologically developed floodplain wetland. Hundreds of new trees will be planted to provide habitat corridors across the meadows. The park will support recreation, youth programs, community events, and festivals. The new trail will complete a seven-mile multi-use public transportation system extending from South Windsor to Hartford with connections to East Hartford and Glastonbury. The future park, trail, and commercial development are directly adjacent to federal opportunity zones in Hartford and Windsor. The project will improve access to greenspace and the Connecticut River and positively impact the environment and community health.
Project Resources & Media:
- Project Concept Plan
- Hartford Business Journal: Riverfront Recapture buys 60-acre Hartford-Windsor parcel, plans community park
- Hartford Courant: Riverfront Recapture announces 60-acre expansion that will connect trails, add cove for paddle sports
- Journal Inquirer: Land added for park on Hartford-Windsor line
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economics
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https://es.hyperledger.org/category/hyperledger-fabric
| 2023-03-26T08:23:46 |
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| 0.916808 | 9,503 |
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|
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|
en
|
Water is the most precious resource on Earth. But with more and more storms, floods, and droughts, it’s not always where we need it. The UN says 4 billion people—half the world’s population—face severe water shortages at least one month a year.
Botanical Water Technologies(BWT) from Australia found a way to recover the water usually wasted making alcohol, juice, ketchup, and sugar. BWT estimates 3 trillion liters of water are wasted this way every year. If that water were recovered, it could be reused, commercially sold or gifted to people who need it most.
The company had a working process for capturing, purifying and creating the world’s most sustainable drinking water with technology housed in shipping containers and connected up to existing systems that process fruit, vegetables, or sugar cane. The next challenge was creating a marketplace for buyers and sellers of plant-sourced water that would support three different transactions:
Sales of actual water for food, beverage and other manufacturers
Sales of “water impact credits” (WICs) to help fulfill corporate water stewardship goals
Bulk donations of water to the world’s most vulnerable people
BWT asked Fujitsu to develop a world-first: Botanical Water Exchange (BWX) that securely tracks every drop of water from producer to end consumer. That exchange is powered by the leading open-source framework for enterprise blockchains, Hyperledger Fabric.
The BWX exchange went live in the second quarter of 2022. The platform is now testing all functions and features with a selection of key partners in the U.S., Australia, and India. A standard water harvesting unit (WHU) can harvest ~460,000 liters or ~122,000 gallons per day. The BWX doesn’t only allow producers and buyers to trade. It also covers production planning, logistics planning, and value chain management. In addition, it interfaces with the WHU’s software for audit and certification purposes, tracing over 170 touchpoints and sensors per WHU.
The Hyperledger Foundation team worked with Fujitsu and BWT on a case study covering the business plan, technical requirements and implementation details. The case study also highlights plans to build out the network and expand the ecosystem, including creating a real-time wall display that quantifies the amount of water harvested and delivered, along with the positive impact made to people and the environment. The goal is to deliver water to 100 million of the world’s most vulnerable people by 2025.
The compelling network economics of centralized platforms prove an existential threat to traditional businesses. Companies that control the most powerful platforms are rewarded with exponential growth, insurmountable competitive advantage, high multiples, and access to cheap capital. Needing centralized platforms to validate counterparty identities and automate transactions, non-platform companies are often forced into business arrangements that see their business models commodified and their value chains held hostage.
Corporate support for open source collaborative efforts are, in part, a response to the centralizing tendencies of Web2. Open source blockchain technologies such as those hosted by Hyperledger Foundation promise to leverage the existing trust within corporate transaction networks by automating traceability, settlement, and audit processes. Public and private Distributed Ledger Technologies, together with World Wide Web Consortium (W3C) open standards — Decentralized Identifiers (DIDs) and Verifiable Credentials (VCs) — enable the creation of decentralized Zero Trust Networks. These networks allow companies to avoid centralized platforms when digitizing extended value chains and automating multiparty transactions while lowering the cost of trust.
Zero trust is a security model that assumes all network traffic is untrusted until proven otherwise. Organizations do not automatically trust traffic, even if it originates from a seemingly trusted source. Instead, all traffic is validated before being allowed to pass. By implementing strict access controls and continuous authentication of all entities entering the network for all transactions, zero trust:
Improves security by reducing the attack surface and minimizes the potential for data breaches
Strengthens compliance by helping organizations meet regulatory requirements and industry standards for data protection
Provides greater visibility into network traffic and activities, allowing organizations to identify and prevent potential threats
To develop and implement zero trust Web3 technologies for multiparty business processes, 35 companies joined together in early 2018 to launch MOBI, the Mobility Open Blockchain Initiative, a global nonprofit smart mobility alliance of forward-thinking vehicle manufacturers (OEMs), NGOs, government agencies, financial institutions, smart city leaders, and technology companies.
Since its launch, MOBI has continued to grow its membership and to date has created and released 17 blockchain-based standards to enable a zero trust environment for multiparty applications. These standards include:
MOBI VID (2019) was the first W3C DID-compliant vehicle identity based on the internationally accepted vehicle identification number (VIN) standard
MOBI Trusted Trip (2021) applied W3C VCs and DIDs guidelines to link trusted identity and location into a verifiable trip
Citopia is a federated Web3 marketplace leveraging VCs (or transactions) and Zero-Knowledge (ZK) cryptography to enable any entity to verify that another entity was present at a location, completed a trip, and performed relevant activities. Citopia VCs are machine-readable, privacy-preserving verifications for business automation in a zero trust ecosystem. These transaction verifications can be performed by any ecosystem stakeholders and do not rely on centralized certificate authorities.
The ITN is the first cross-industry permissioned network where participants agree to common identity standards and shared governance. As the first Zero Trust Certificate Authority for IoT, eCommerce, and business automation, the ITN acts as a global trust anchor for digital business. It is protocol, cloud, and technology agnostic. It’s currently built on Hyperledger Fabric with a Arbitrum One (EVM compatible optimistic layer 2 rollup on Ethereum) to anchor DIDs onto Ethereum as well. Plans call for this to be a multichain network.
Using the ITN, organizations can create secure digital services that are locally highly performant while also decentralized. The ITN is backed by three global industry consortia (MOBI, MEF, AAIS).
Together, Citopia and the ITN form the foundation for a community-owned and -operated Web3 infrastructure for connected ecosystems and IoT commerce. MOBI and its members are currently focusing on a selection of foundational use cases, including:
Platform agnostic global battery passports
Using in-vehicle telematics to provide real time accident data for reports and collision repair, using Web3 technology for data privacy
Multiparty supply chain track-and-trace
Zero-knowledge proof of vehicle location
Multimodal trip planning, booking, and payment
Maintenance and recall traceability
Figure 2: Working together to enable zero trust business automation, Citopia and the ITN offer end users and providers security, privacy, speed, and control.
Although Citopia and the ITN have some similarities to other industry networks, there are important differences that will enhance the speed, privacy, security, and regulatory compliance of connected ecosystems.
First, any organization can use Citopia and the ITN services. However, membership is required to run nodes on Citopia and/or the ITN.
Second, whereas most Web3 solutions combine DIDs registry (the ITN) and transactions processing (Citopia) on the same infrastructure/company, we choose to separate them into two distinct organizations, each with its own legal structure, governance, network, and operators. This increases decentralization by reducing the market power and information advantage of any single organization. Neither Citopia nor the ITN gets such dominant network effects that users can’t switch/leave, hence neither can abuse its position, rent seek, or meaningfully change the economics of the ecosystem.
Third, the separation permits Citopia to use any DIDs registry network following W3C DIDs standard, meaning that Citopia users aren’t locked to the ITN (and vice versa) and can use other networks.
Fourth, both Citopia and the ITN are vendor, technology, and protocol-agnostic, allowing applications interoperability and scaling of complex, cross industry, multiparty value chains.
Finally, through using Citopia and the ITN, DIDs are the only things registered and stored on chains. All personal and competitive information resides in the Self-Sovereign Digital Twin (SSDT) stored locally on the owner’s device or provider’s server and remains under the control of the owner, making the scraping and collection of data impractical, eliminating honeypots, reducing attack vectors, and improving security for all users.
Through Citopia and the ITN, companies have the opportunity to combine the best of both worlds — building and leveraging applications that meet enterprise security, privacy, and compliance requirements while avoiding vendor or technology lock-in. Companies can retain their brand, their business models, and their customers without paying significant economic rent to a centralized certificate authority, platform, or data monopolist. They can reap the full benefits of value chain automation and digital efficiency in a shared zero trust ecosystem where the network effects accrue to the community. More information on MOBI’s standards, Web3 infrastructure, and multiparty pilots can be found on our website.
For more on displacing centralized platforms with zero trust networks, join Mobi’s Tram Vo and leaders from across the insurance market for a discussion about proving the efficacy and value of enterprise-level blockchain. It will cover the technical and business challenges the insurance market, like other multiparty industries, must tackle in the move to Web3.
The webinar, Measuring and Proving Enterprise-scale Blockchain Technology in the Insurance Industry, will take place on Thursday, March 30, 2023, at 1pm ET / 10am PT. To register, go here.
Hyperledger Fabric performance is a question that comes up frequently as users try to compare it to transactional databases or other blockchain platforms in terms of the maximum TPS (Transactions Per Second). Performance in a Hyperledger Fabric network is complex because in an appropriately deployed network there will be many organizations participating, each with their own hardware and networking infrastructure, along with different solution characteristics such as number of channels, chaincode implementations and policies.
Hyperledger Fabric 2.x has performance improvements over Hyperledger Fabric 1.4. Fabric 1.4 is now out of LTS and should not be used in production environments. Fabric 2.5 is the latest LTS version and includes the new peer Gateway service. When used with the new gateway SDKs, applications will demonstrate improved performance relative to applications based on the legacy SDKs.
Hyperledger Fabric documentation now has a section on Performance Considerations that can be found in the 2.5 and latest versions of the Hyperledger Fabric documentation. This content provides useful insight into helping to achieve a performant Fabric network. It doesn’t include information about certain scalability concerns such as large numbers of PDCS, channels, organizations, etc.
In conjunction with the new Performance Considerations documentation, the community has leveraged Hyperledger Caliper for some initial performance benchmarks for Hyperledger Fabric 2.5. This post shares the benchmark results for a sampling of Hyperledger Fabric 2.5 builds to give an example of transactions per second (TPS) achieved, based on a very specific chaincode running on dedicated hardware.
Hardware and Topology
The Hyperledger Fabric topology used was two peer Organizations (PeerOrg0, PeerOrg1) with a single peer node in each and one Ordering Service Organization (OrdererOrg0) with a single orderer service node configured for Raft. TLS was enabled for each node.
Each node had the same identical hardware
Intel(R) Xeon(R) Silver 4210 CPU @ 2.20GHz
40 Cores made up of 2 CPUs. Each CPU has 10 physical cores supporting 20 Threads in total
64Gb Samsung 2933Mhx Memory
MegaRAID Tri-Mode SAS3516 (MR9461-16i) disk controller
Intel 730 and DC S35x0/3610/3700 Series SSD attached to disk controller
Ethernet Controller X710/X557-AT 10GBASE-T
The machines were all on the same switch.
Hyperledger Fabric was deployed natively to three physical machines (i.e., the native binaries were installed and executed; no container technology such as Docker or Kubernetes was used).
Hyperledger Fabric Application Configuration
LevelDB was used for the state database
Gateway Service Concurrency limit was set to 20,000
A single application channel was created and the 2 peers and orderer were joined to this channel
The application capabilities were set to V1_4 so as to use the old lifecycle deployment. All other capabilities were set to V2_0 (capability level should not impact performance).
No system channel exists only the application channel
Go chaincode without the Contract API was deployed (fixed-asset-base from hyperledger Caliper-Benchmarks)
Endorsement policy 1 Of Any was specified for the chaincode
No private data was used
Default Fabric policies and configurations (note that in 2.5 SendBufferSize now defaults to 100) excluding anything previously mentioned
No range queries or JSON queries
The network was enabled for TLS, but not mutual TLS
Hyperledger Caliper 0.5.0 was used as the load generator and for the report output. Caliper was bound to Fabric 2.4, which means it used the peer Gateway Service to invoke and evaluate transactions. All transactions were generated from the same organization to its gateway peer.
The load itself was defined from fixed-asset in Hyperledger Caliper-Benchmarks.
Caliper used four bare metal machines to host remote Caliper workers and also to host a single Caliper manager to generate the load on the Hyperledger Fabric Network. In order to generate enough workload on the Fabric network, we have to use multiple Caliper workers, which equate to the number of current clients connecting to the network. In the results section, the number of Caliper workers is provided.
Diagram of overall Topology
These results were generated against the latest builds of Hyperledger Fabric 2.5 and utilized the default node and channel config values. Specifically the following block cutting parameters were used:
In order to be able to push enough workload through without hitting concurrency limits, the gateway concurrency limit was set to 20,000.
In summary the following benchmarks are presented here:
Blind write of a single key with 100 Byte Asset Size (a create asset benchmark)
Blind write of a single key with 1000 Byte Asset Size (a create asset benchmark)
Read/Write of a single key with 100 Byte Asset Size (an update asset benchmark)
Read/Write of a single key with 1000 Byte Asset Size (an update asset benchmark)
The following should also be noted
Only a single channel is used and thus the peer doesn’t utilize its full resources (as described earlier a peer can achieve more throughput if more than one channel is utlized).
The chaincode is optimized for these tests. Real world chaincode will not be as performant.
The Caliper workload generator is also optimized for pushing transactions. Real world applications will also have a client implementation generating the workload which will introduce some latency.
The Caliper workload generator is sending transactions to a single gateway peer on the same organization. Real world applications are likely to have multiple organizations sending transactions concurrently. There is the potential for higher TPS results if the workload is sent to from multiple organizations rather than just the same organization.
Utilizing the gateway service means that blocks are not received by the client (Caliper) via the delivery service to determine whether a transaction has completed, improving the performance of the client and the network compared to using the legacy node SDK.
Blind Write of a single key 100 Byte Asset Size
A Blind write is a transaction that performs a single write to a key regardless of whether that key exists and contains data. This is a Create Asset type of scenario.
Caliper test configuration:
fixed-tps, tps: 3000
The TPS here is the peak. Trying to push beyond this resulted in unexpected failures and a drop in overall throughput.
Blind Write of a Single Key 1000 Byte Asset Size
Caliper test configuration:
fixed-tps, tps: 3000
Here we see that we can achieve roughly the same throughput (i.e., the peak) but latency increases.
Read Write of a Single Key 100 Byte Asset Size
This is a test where the transaction will randomly pick an already existing key with data, read it, then modify that key. The world state was loaded with 1 million assets for this test to reduce the chance of using the same key in two concurrent transactions resulting in MVCC_READ_CONFLICT validation errors. In this example, the TPS rate was low enough and fortunate that no MVCC_READ_CONFLICT validation errors were received.
Caliper test configuration:
fixed-tps, tps: 2550
Note that the above results were done with an expectation of no failures. We see that the fabric network was not reaching capacity in this test as latency remains very low.
Read Write of a Single Key 1000 Byte Asset Size
The above was repeated using a 1000 byte asset size.
Caliper test configuration:
fixed-tps, tps: 1530
Note that the above results were done with an expectation of no failures. We see that the Fabric network was not reaching capacity in this test as latency remains very low.
I would like to thank Shivdeep Singh for running the Hyperledger Caliper benchmarks to get the results presented in this blog and Dave Enyeart for reviewing the content.
The Use Case for Blockchain and Intellectual Property
IPwe is revolutionizing the intellectual property (IP) system using blockchain. Intangible assets represent 90% of the S&P 500’s value, but patents, a large percentage of those intangibles, are underutilized and undervalued. There are approximately 25 million active patents worldwide, but the asset owners generally misunderstand their holdings, causing low utilization and commercialization rates, including financing, due to a lack of transparency and standardized asset valuation metrics that asset classes have. This amounts to over $1 trillion in lost IP opportunities annually.
Blockchain-based technologies, specifically NFTs, allows patent data to be managed efficiently and securely by consolidating it into a single digital wrapper representing the asset. Beyond that, blockchain further enables smart contracts, meaning that when specific contractual events occur, the smart contracts directly read from the blockchain and automatically trigger a predefined reaction, making human intervention no longer necessary. Smart contracts create efficiency and transparency and enable micro-transactions, such as small-volume patent licensing deals, to be economically viable for businesses for the first time. They alleviate suffocating by transaction costs. Furthermore, trails of evidence on the blockchain safeguard that every action and smart contract automation can be audited properly.
Blockchain Meets IP: How IPwe is Changing the Game with Hybrid Casper Blockchain and Hyperledger Fabric Network
IPwe is leveraging blockchain technology to transform the IP landscape by tokenizing the majority of the world’s patents as patent NFTs, referred to as IPwe Digital Assets, representing the largest enterprise blockchain NFT deployment in history. These 25 million IPwe Digital Assets store verifiable ownership data and auditable, compliant records for each patent, allowing enterprises to confidently manage their IP in the next-generation Web3 ecosystem. Additionally, IPwe Digital Assets are populated with public data from leading patent datasets, providing IP owners with a transparent digital representation of asset ownership. With verified data about each patent stored on NFTs, transactions can happen faster than ever before because enterprises no longer have to spend weeks or months manually verifying patent data, and smart contracts will trigger the transactions automatically.
Hybrid Casper Blockchain and Hyperledger Fabric Network
In September 2022, Casper Labs and IPwe developed and launched a dynamic NFT blockchain solution, IPwe Digital Assets. The solution uses the permissioned distributed ledger technologies of open source Hyperledger Fabric and the public Casper Blockchain to securely store verified public and private information about each patent. The integration capitalizes on the data security and trust inherent on a Hyperledger Fabric network and enables Casper to securely bring assets locked on the private ledger to the public chain.
Why A Hybrid Network Approach
A hybrid blockchain combines the capabilities of private and public blockchains, taking advantage of each. The private blockchain offers secure, permissioned data storage—an essential feature that’s particularly crucial for highly regulated industries. Meanwhile, the public blockchain brings scale and immutability, enabling a more open and transparent ledger.
To showcase the potential of a hybrid network, Casper Labs and IBM recently performed the first atomic cross-chain swap of fungible and non-fungible tokens between an instance of a Hyperledger Fabric permissioned network and the Casper Blockchain.They used a Hyperledger Lab, Weaver, to achieve the cross-chain functionality. (Weaver is now part of Hyperledger Cacti.) The result was a hybrid blockchain, uniquely equipped with the enhanced security of a consortium network running Hyperledger Fabric and the public verifiability and open market access offered by the Casper public blockchain.
The Significance of IPwe’s 25 Million Patent NFTs
Beyond just tokenizing patents, IPwe provides a solution called Smart Intangible Asset Management (SIAM), a comprehensive SaaS tool for IP valuation and management. By reading from the patents NFTs, IPwe’s advanced AI algorithms determine a benchmark value for each IPwe Digital Asset and IP portfolio, providing enterprises with unrivaled insights and enabling smarter and more informed business decisions.
One of the key benefits of IPwe Digital Assets is the ability to aggregate data for more efficient management and analysis by storing all relevant data in one location, readily accessible on the blockchain from anywhere. Typically, patent data is not kept in one central repository but is highly fractionalized across multiple public and private databases, causing enterprises to spend weeks verifying their own patent data. Another advantage of IPwe Digital Assets is data verification, as the data stored on the NFT becomes more valuable once verified. When adding data points to an IPwe Digital Asset, IPwe and other third parties confirm its level of trustworthiness, such as whether all existing “public” records show the same owner for a patent. Private asset data is also an important aspect of the NFT. IPwe’s goal is to ensure that enterprises will be able to add all current private data to their IPwe Digital Assets – not just who owns it, but who is licensing it, who is commercializing it, who is financing it. All this information can be used to confirm the asset’s true value.
In conclusion, using a hybrid Casper Blockchain and Hyperledger Fabric network, IPwe is deploying 25 million patent NFTs, the largest enterprise blockchain deployment in history. On top of that, IPwe’s SIAM solution allows enterprises to fully utilize these patent NFTs to transact, manage, and value their IP. This revolutionary implementation of blockchain technology will enable IPwe to bring liquidity to the IP space, where currently approximately 95% of IP assets are not transacted or commercialized.
Join IPwe’s upcoming webinar on February 8th to learn more about this revolutionary SaaS platform and how IPwe aims to transform the IP landscape and bring liquidity into the market by tokenizing patents as NFTs.
Everyone agrees that doing business in the EU creates a mountain of paperwork. Many forms deal with customs, duties, and taxes across the 27 EU members and with trading partners in other countries.
Filling out all these forms demands a lot of resources. And missed opportunities pile up when overloaded staff don’t claim the exemptions they’re entitled to under various trade treaties.
Take, as an example, the Long Term Supplier Declaration (LTSD), which certifies the materials and country of origin for any product or material. This form must be updated by every supplier every 24 months. More than 80% of these forms are still handled on paper, creating a huge risk of honest mistakes and deliberate fraud.
Every year, Siemens AG exchanges about 10,000 of these forms with suppliers at an estimated cost of €120 to €150 for completing each paper-based LTSD form. That means handling a single EU customs form on paper costs Siemens more than a million Euros a year.
The Digital Tax Transformation at Siemens teamed up with colleagues at Henkel to see if they could use blockchain technology to make the processes smoother, faster, more secure, and more transparent. Their aim was to
Prove that digitized tax forms save time and money
Build an open, flexible platform that can support many partners
Showcase the network to companies across the EU
They opted for Hyperledger Fabric as the platform because it is built for permissioned networks, with good security and privacy, and strong community support. It took a team of Microsoft developers in Europe just three days to build a working prototype that could handle an LTSD form on-screen instead of on paper. Right away, the benefits were obvious. Before, the complicated paper-bound process took days, if not weeks. Now, thanks to pull-down lists and tax codes, the LTSD forms never need to be printed. If both buyer and seller use the new system, a whole form can be done in minutes, with far less risk of errors or fraud.
To build out the full blockchain network, Microsoft recommended KrypC, an experienced solution provider that was already operating several other networks built with Hyperledger Fabric. KrpyC built taXchain, a very flexible network where any member can run their own node or use a managed node; write their own APIs or have those written for them; and process a small, medium, or large number of tax forms.
The LTSD form is now running on the network, linked to a database of 7,000 possible materials. APIs link the network to an SAP pilot system at Siemens. The blockchain stands ready to record and certify precise data based on each LTSD, in a tamper-proof format that government authorities and trading partners can trust.
In a huge vote of confidence for its innovative design, taXchain recently won the prestigious Taxcellence award from Handelsblatt, a renowned financial newspaper in Germany.
The Hyperledger Foundation team worked with KrypC and Siemens on a case study that details the planning and development of taXchain as well as next steps for growing the network. It also highlights the long-term opportunity to transform the traditional chore of processing B2B taxes from a cost center to a profit center.
Hello, I’m Great Umegbewe. I am currently a sophomore studying Computer Science at the University of Nigeria, Nsukka. During the fall of 2022, I had the chance to work on Fablo, a Hyperledger Lab, as part of the Hyperledger Mentorship Program. I was mentored by Jakub Dzikowski and Piotr Hejwowski and found the experience to be both valuable and enjoyable. This blog post will share some of my insights from this experience.
Fablo is a simple tool to generate a Hyperledger Fabric blockchain network from a config file and run it on Docker. Its main goal is to provide a super-easy start with Hyperledger Fabric. It uses a declarative approach to define components in a network, in a single file named fablo-config.json. This where users can define channels, chaincodes, organizations and engines (Docker or Kubernetes). Before I came in, only Docker was supported as an engine. I worked on adding support for Kubernetes.
Before the mentorship, I had previous experience working with Kubernetes and Bash, but none with Hyperledger Fabric. This mentorship helped me learn about Hyperledger Fabric and its components. It also taught me a whole lot about open source software and how the work of a maintainer isn’t that easy.
Hats off to Jakob Dzikowski and Piotr Hejwowski. They are really amazing maintainers and mentors.
To contribute to Fablo, I needed to learn how Fablo worked and understand Hyperledger Fabric. Again my mentors were very helpful with this.
I initially started by defining the various components on yaml’s with the images of peers, CAs, etc. This worked in one direction, but was daunting and had several problems. Luckily, Hyperledger had a Kubernetes Operator hlf-operator with a kubectl plugin that managed all aspects from the deployments, statefulsets and persistent volumes. With this abstraction what was left is to:
Write the shell scripts wrapped around the operator plugin to accommodate the required components (channels, chaincodes, CAs, peers).
Add support for Kubernetes engine in the fablo-config.
Template the shell scripts.
Create a snapshot and unit testing.
What comes next?
This has been a valuable experience. I was really challenged and my skills have improved so much. For the foreseeable future, I will continue working on Fablo and other open source projects. Big thanks to my mentors. Hopefully, I will become a maintainer for Fablo too.
Hyperledger Bevel is an automation framework for rapidly and consistently deploying production-ready DLT platforms. This mentorship project enhances Hyperledger Bevel to perform a live upgrade of a Hyperledger Fabric network from version 1.4.x to 2.2.x and provide an operations guide to perform the steps. This project uses Ansible, Kubernetes, Helm, Hashicorp Vault and Hyperledger Fabric.
My mentors for this project were Sownak Roy and Jagpreet Singh Sasan. Their support and guidance has been immensely helpful for implementation of this project.
This development work has automated the steps to upgrade the Hyperledger Fabric network, which shall increase the productivity to carry out such upgrades.
What did you learn or accomplish?
Before the start of this project, I had a basic understanding of setting up a Hyperledger Fabric network using Docker Compose. Hyperledger Bevel provided insights on how to automate and set up a production grade Hyperledger Fabric network on Kubernetes platform in various cloud providers.
I learned how Ansible, Helm charts and Flux are tied together for this implementation. Ansible does the automation for deployment pipeline, Helm charts are the reusable packages for Kubernetes components, and Flux implements the GitOps model so that current Hyperledger Fabric Network state is available for the operator.
My mentors validated my approach and provided feedback. I learned about multiple orderer organizations in a Hyperledger Fabric network and improved the upgrade automation for such scenarios. I was able to set up the network in a local minikube environment and will be updating the Hyperledger Bevel documentation for the same. This will provide new developers who do not have a cloud Kubernetes environment to set up and learn Hyperledger Bevel.
I worked primarily on SharePoint development during my career but last year started looking into blockchain technologies as it provides immense potential to bring trust to the internet. There are so many use cases in real-life scenarios that ultimately can be solved by these technologies
The productivity that blockchain solutions bring to the table will be a win-win solution for enterprises as well as customers. This is an evolving technology that is community driven and, being open source, provides opportunity for all to learn and contribute. This mentorship program provided me a similar opportunity and now, along with Linux Foundation certification, my work is noticed by employers. I wholeheartedly thank my mentors and Linux Foundation for this opportunity and wish to keep contributing to this ecosystem.
Study and develop chaincode and smart contracts following ERC standards.
Prototype a cross-chain bridge between Hyperledger Fabric and EVM-based blockchains. Hyperledger Technologies: Hyperledger Fabric, Hyperledger Besu, Hyperledger Cactus.
Imre Kocsis, assistant professor, Budapest University of Technology and Economics (BME), Budapest, Hungary.
László Gönczy, assistant professor, Budapest University of Technology and Economics (BME), Budapest, Hungary.
Impact yielded from work:
This work constitutes an add-on to the existing efforts to enable interoperability between permissioned networks. Moreover, we contribute to the community by developing a cross-chain bridge between Hyperledger Fabric and EVM-based blockchains using the Secure Asset Transfer Protocol (SATP), a protocol under standardization at the Internet Engineering Task Force (IETF).
What did you learn or accomplish?
Create a report on blockchain interoperability solutions.
Implement a prototype of the designed cross-chain bridge solution in Hyperledger Cactus.
Develop an academic paper.
At the beginning there were a lot of unknowns: a new area, protocols, and new technology. After all, I am glad about the final product and all the lessons learned.
Lessons learned and advice:
The community is here to help. We had fruitful discussions with various members of the Hyperledger community, which proved to be valuable for the final project.
The best is always yet to come. Believe me when I say things will always be better than they are at the moment — bugs appear, and sometimes we need to take a step back to take two steps forward.
Hyperledger Fabric was considered the most adopted enterprise blockchain solution.
Hyperledger Cactus provides the building blocks for interoperability.
The integration of Self-Sovereign Identity (SSI) with interoperability solutions seems to be the way forward to perform identity management.
What comes next?
The addition of SSI in our work seems a good next step as a way to remove some assumptions made in the solution design.
I envision to continue working and advancing the existing interoperability research. I aim to continue contributing to Hyperledger Cactus (now Hyperledger Cacti), the Hyperledger project directed toward interoperability.
An SLA defines the services delivered by a provider to a client and the metrics for measuring those services. If the actual services received by the client do not meet the SLA guarantees promised by the provider, the agreement has been violated. In that case, the provider may owe the client a refund or whatever penalty is defined in the SLA.
The solution brief includes a high-level overview of a proposed solution for self-assessing SLAs. This proposed solution uses Hyperledger Fabric blockchain technology to tackle the gray areas of conventional SLA assessment.
This unique architecture provides a trusted and privacy-preserving network that can precisely monitor and compute SLA metrics, with full transparency for both provider and client.
Achieving effective SLA self-assessments will benefit everyone in the ecosystem by building trust, removing friction, streamlining processes, and saving costs.
The Problem: Lack of transparency
An effective SLA clearly defines all performance metrics and parameters.
But in most conventional SLAs, the provider assesses their own performance using their own tools and frameworks. The client generally has no way to see how these metrics are monitored or calculated. This increases the risk of biased results that favor the provider.
This lack of transparency means the client could well suffer from misunderstandings, missed violations, and insufficient refunds. All this undermines trust between the provider and the client.
The Solution: Using blockchain for transparent self-assessment
This solution brief proposes a novel architecture that is based on the Hyperledger Fabric blockchain framework and Hyperledger Fabric Private Chaincode (FPC). As shown in the figure below, the installed Trusted Execution Environment (TEE) provides secure and private monitoring, and computation of all performance metrics governed by the SLA.
Both client and provider benefit from the presented solution, which builds trust where little previously existed. More details are provided in the full white paper.
The scientific research performed on SLA Self-Assessment and applied to the telecom context adheres to work accomplished under the Pledger project.
The Hyperledger Telecom Special Interest Group would like to thank the following people who contributed to this solution brief: Nima Afraz, David Boswell, Gordon Graham, Nikolaos Kapsoulis, Antonios Litke, Alexandros Psychas, Vipin Rathi, and Theodora Varvarigou.
Hyperledger technologies are serving as the open source foundation for a rapidly growing range of production solutions and applications. Companies across Asia are putting Hyperledger technologies to work to boost trade, fight fraud, streamline financial transactions, authenticate data, verify identities and more.
As part of our spotlight on #HyperledgerAsia, we’ve collected a sampling of the many Hyperledger-powered solutions reshaping how business is done in markets across Asia. Read on for details:
Global Shipping Business Network (GSBN)
GSBN was founded by eight global shipping lines and terminal operators as a not-for-profit consortium to provide one standardized source of immutable data to all users in real-time. Built using the Oracle Blockchain Platform implementation of Hyperledger Fabric in multi-cloud deployment, GSBN supports modern and efficient global trade through data exchange. GSBN rolled out its first use case, Cargo Release, over several months, beginning in China and Southeast Asia in August 2021.After the initial deployment, GSBN gained support from terminals across the globe. Cargo Release expanded its footprint into Rotterdam, the Netherlands, in March 2022. Four months later, Cargo Release launched in Latin America, starting with ports across Mexico and Panama.
GSBN is using a permissioned blockchain with strong data governance where only authorized parties are granted the right to contribute and consume shipping related data. By leveraging immutability of the blockchain and data field level privacy through cryptography, participants in the supply chain such as Terminals, Carriers, Shippers, Freight Forwarders, Truckers, Customs and Financial Institution now also access Trade Finance and Electronic Bill of Lading applications, as well as Cargo Release, all enabled by trusted shipping data. Read the details in this case study.
marketsN is a secure B2B platform from KoineArth built on the Oracle Blockchain Platform, which is powered by Hyperledger Fabric. It has been deployed by Hindalco Industries Ltd. (a subsidiary of the Aditya Birla Group) for monitoring the supply chain for outsourcing operations, including contract manufacturing with 25+ vendors (tollers) in a 4-tier supply chain network. marketsN enables them to see the inventory available at each vendor at any given point in time, replacing a three day manual process using Excel spreadsheets, many phone calls, and on-site visits, while avoiding the need for subsequent reconciliation since the data comes directly from the vendors. The solution also helps vendors to plan their own production based on shipment info to Hindalco clients, balance quantity, lower-tier supplier information, and other data on blockchain which allows them to better optimize their resources. They plan to also enable online invoice generation to automate the billing and payments cycle.
MDL (Medium Distributed Ledger)
Medium has developed an enterprise-type, high-performance blockchain solution, “MDL,”’ with an advanced core blockchain based on Hyperledger Fabric that can achieve speeds of up to 15,000 TPS. Its usability is maximized through the “MDL Manager,” which allows users to easily install, manage and monitor the blockchain.
MDL is currently being supplied to the Korea Expressway Corporation as a mutual settlement system for the tolls collected on the public and private highways in the country. Before the adoption of the blockchain-based mutual settlement system, there were more than 20,000 complaints a year about payment mismatches. Now, as a result of the new system, not only are data errors and omissions prevented but the processing performance of the system has increased. Settlement data, even in areas with high traffic volume, is now stably handled, reducing the amount of overpayment, manpower, and complaints.
Open Trade Blockchain (OTB)
Open Trade Blockchain is a cross-border trade documentation blockchain from Global eTrade Services (GeTS) that connects China & ASEAN economies It’s built on the Hyperledger Fabric-based Oracle Blockchain Platform and is used to provide security and visibility across all trade documents – helping to contain investment risk and facilitate growing trade with simplified verification procedures and data harmonization. Single-Windows or Single-Window Front-end Services can integrate with OTB to provide more value-added services for the local trade community.
This cross border blockchain-based trade platform has been extended to support collaboration across Taiwan, Singapore and New Zealand with the aim of improving the efficiency of cargoes under their Free Trade Agreement. For example, 3M Taiwan Ltd. reports that the cross border blockchain solution not only helps to reduce time for preparing and transmitting customs clearance documents from half a day to five minutes but has also solved documentation preparation challenges for Singapore exporters working remotely.
RAG Fraud Blockchain
The RAG Wangiri Blockchain was launched in March 2020 as a partnership of telcos and vendors created by Risk & Assurance Group (RAG) and Orillion Solutions with a common aim of reducing the number of wangiri fraud calls received by phone users. SORAMITSU recently joined the partnership and created a new Hyperledger Iroha-based infrastructure that can work with an expanded range of frauds. Renamed RAG Fraud Blockchain, this next-generation blockchain ledger serves as a fraud intelligence exchange where members that contribute data earn the right to access others’ data. The telcos that actively contribute their data will earn the right for continued free access, while other firms and organizations, including software vendors and law enforcement agencies, may pay for access or else be granted visibility of strictly limited subsets of the common ledger.
Secure Logistics Document Exchange (SLDE)
The Secure Logistics Document Exchangewas facilitated by the Government of India and the Ministry of Commerce & Industry with an aim to replace the physical exchange of trade documents with a secure digital platform for generation, storage and exchange of documents. Built using Aadhaar-based authentication mechanism and the Hyperledger Fabric-based Oracle Blockchain Platform as a secure ledger, it offers an audit trail for the title of ownership/authenticity of documents and provides end-to-end visibility on transfer of documents.
The SLDE platform, developed by CargoExchange, supports an end-to-end digital trade ecosystem that includes banks, shippers, customs, freight forwarders, and export and import companies and aims to address the issues related to physical movement of logistics related documents such as slow speed, limited transparency and lack of audit trails. Using SLDE, Axis Bank has successfully executed industry-first blockchain-enabled domestic trade transactions with ArcelorMittal Nippon Steel India and Lalit Pipes & Pipes Ltd. YES BANK used the system to support a deal involving Mukka Proteins, a Mangaluru-based marine product manufacturer and exporter, and Golden Beach Line (importer), an Oman-based trading company, with the forwarding agent Shipwaves Ltd.
SnapCert is a blockchain-based Credential Authentication platform for universities, colleges and institutes. Offered as a SaaS platform by Snapper Future Tech, SnapCert equips education customers to issue and verify credentials on a blockchain, ensuring no fraudulent credentials can be issued in their name.
SnapCert is built on Hyperledger Fabric and interoperable with non-Oracle Hyperledger instances that may be deployed on third-party clouds. It uses cloud infrastructure and REST APIs to build powerful products. The platform issues SSI (self-sovereign identity) credentials that follow W3C’s DID (decentralized identity) and verifiable credentials standard. It is also compliant with privacy and security compliance mandates (e.g., GDPR).
SnapCert offers secure digitization, generation, authentication, sharing, and verification of any kind of academic certificate as well as digital credentials for enterprises.
Trust Your Supplier
Trust Your Supplier (TYS) is a next-generation cloud-based supplier management platform built on Hyperledger Fabric that accelerates supplier onboarding, lowers procurement operating costs, ensures global regulatory compliance, and provides real-time visibility of supply chain risk across an encrypted blockchain environment.
TYS continues to expand the solution, allowing network participants to manage and monitor their suppliers across the globe. TYS was recently deployed into China and Japan, which brings the count of countries where TYS is available in Asia to 36. Additionally, suppliers in China can work in the TYS app using Simplified Chinese.
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economics
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http://seiuearlyeducatortraining.org/early-educator-apprenticeship/
| 2020-02-20T16:51:34 |
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The Early Educator Apprenticeship is designed for working adults, and includes paid on-the-job training, coaching, community-based college coursework, professional learning communities, wage increases as professional targets are met, and individualized guidance to help participants advance on the CA Child Development Permit Matrix.
The Apprenticeship has benefited from Workforce Accelerator Fund grants received from the California Workforce Development Board, and a California Apprenticeship Initiative grant received from the California Community College Chancellor’s Office. Our partners – the Mexican American Opportunities Foundation (MAOF), the Child Care Resource Center (CCRC), and Los Angeles Trade Tech College (LATTC) – have also made invaluable contributions to the success of the Apprenticeship.
Currently, more than 30 center-based child care workers are enrolled in the Early Educator Apprenticeship. The apprentices are predominantly women of color, ranging in age from mid 20’s to mid 60’s, mostly Mexican-American and recent immigrants, and working mothers. The first cohort of home-based (FCC) apprentices will launch in the San Fernando and Antelope Valleys in November 2016. And plans are underway to create a pre-apprenticeship that would support kinship care providers (i.e., license exempt) to become licensed and enter the Apprenticeship.
Want to know more? Click here!
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economics
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https://digitalalta.com/e-commerce-mobile-applications-development-trends-in-dubai-2024/
| 2024-04-16T21:06:20 |
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In today’s digital age, mobile applications have become an essential tool for businesses to engage with their customers and drive sales. The e-commerce industry, in particular, has witnessed a significant shift towards mobile platforms, as more and more consumers prefer the convenience of shopping on their smartphones. In Dubai, a city known for its technological advancements and thriving business landscape, the demand for e-commerce mobile applications is expected to soar in the coming years.
The Rise of E-commerce Mobile Applications in Dubai
Dubai is a global hub for business and tourism, attracting millions of visitors and expatriates from around the world. With a rapidly growing population and a high smartphone penetration rate, the city presents immense opportunities for e-commerce businesses. The convenience of mobile shopping, coupled with the city’s robust infrastructure and digital ecosystem, has made e-commerce mobile applications an indispensable tool for businesses in Dubai.
Key Trends Shaping E-commerce Mobile Application Development in Dubai
As the e-commerce industry continues to evolve, so do the trends in mobile application development. To stay ahead of the competition and meet the evolving needs of consumers, businesses in Dubai need to be aware of the following key trends:
1. Personalization and Customization
Consumers today expect personalized experiences when using mobile applications. E-commerce businesses in Dubai are leveraging advanced technologies, such as artificial intelligence and machine learning, to analyze customer data and deliver personalized recommendations and offers. By tailoring the shopping experience to individual preferences, businesses can enhance customer satisfaction and drive higher conversion rates.
2. Augmented Reality (AR) and Virtual Reality (VR)
AR and VR technologies are revolutionizing the way consumers shop online. In Dubai, e-commerce businesses are incorporating AR and VR features into their mobile applications to provide immersive shopping experiences. Customers can virtually try on clothes, visualize furniture in their homes, or even explore virtual showrooms. These technologies not only enhance the shopping experience but also help reduce the rate of product returns.
3. Voice Commerce
Voice assistants, such as Siri, Alexa, and Google Assistant, have gained popularity in recent years. E-commerce businesses in Dubai are leveraging voice commerce to provide a seamless and hands-free shopping experience. Customers can now use voice commands to search for products, place orders, and track deliveries. This trend is expected to gain further traction as voice recognition technology continues to improve.
4. Mobile Wallet Integration
With the rise of mobile payments, integrating mobile wallets into e-commerce mobile applications has become crucial. Dubai, being a global financial hub, has seen a surge in mobile wallet usage. By offering secure and convenient payment options, businesses can streamline the checkout process and reduce cart abandonment rates.
5. Social Commerce
Social media platforms have become powerful marketing channels for e-commerce businesses. In Dubai, businesses are integrating social commerce features into their mobile applications, allowing customers to discover and purchase products directly from social media platforms. This trend not only enhances the shopping experience but also helps businesses reach a wider audience and drive sales.
Contact Us for E-commerce Mobile Application Design and Development
If you are a business in Dubai looking to capitalize on the growing e-commerce mobile application trend, Digital Alta is here to help. With our expertise in mobile application design and development, we can create a customized and user-friendly mobile application that aligns with your business goals and caters to the unique needs of your target audience.
Contact us today at +971 50 970 5957 or email us at [email protected] to discuss your e-commerce mobile application requirements. Our team of experienced professionals is ready to assist you in taking your business to new heights in the digital realm.
Embrace the e-commerce mobile application revolution in Dubai and stay ahead of the competition. Contact Digital Alta today!
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https://ecpinvestments.com/pan-african-investment-fund-emerging-capital-partners-ecp/
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November 21, 2019: The Pan-African investment fund Emerging Capital Partners (ECP) announces the signing of an agreement to partially sell its shares in Oragroup to the Social Welfare Institute – General State Pension Fund (IPS-CGRAE) of Ivory Coast, which would become, after approval by the WAEMU Banking Commission and regulators in other currency areas, the main shareholder of the Pan-African banking group with 61.45% of the capital.
With a balance sheet total of CFAF 2,171 billion ($3.7 billion), 510,926 customers, 152 branches, 1,857 employees, CFAF 127 billion in net banking income, CFAF 130 billion in equity and CFAF 30 billion in net income as of December 31st, 2018, Oragroup is the leading independent banking group in the sub-region.
The agreement also includes several institutional shareholders of Oragroup (Proparco, DEG, BIO and BOAD) with a partial sale of their shares. On the strength of the banking group’s growth prospects and development plan, ECP will remain a shareholder in Oragroup alongside IPS-CGRAE, one of the major shareholders with nearly 20% of the capital in a dynamic of continuity over the long term. In addition, BOAD retains a long-term 40% stake in Orabank Ivory Coast and its branches: Orabank Burkina, Orabank Guinea Bissau, Orabank Mali, Orabank Niger, and Orabank Senegal.
This transaction follows the introduction of Oragroup on the Regional Stock Exchange (BRVM) in April 2019, representing 20% of its capital, the largest transaction since the creation of the BRVM in 1998 and a regional capital market raising of CFAF 56.92 billion (€86 million). IPS-CGRAE had subscribed to this public offering for 9% of Oragroup’s floating capital.
“ECP is very proud of the progress made since investing in Oragroup in 2008. Together, we have created a leading banking group with a Pan-African focus. ECP’s strategy is to create value in its investments by bringing company operations up to international standards to promote the emergence of regional champions over time. The initial public offering and this transaction validates this strategy. ECP is convinced that with CGRAE, Oragroup will continue its strong growth trajectory,” explains Vincent LE GUENNOU, Co-CEO of Emerging Capital Partners.
“With the support of exceptional revenues, the acquisition of Oragroup is a historic milestone for the State Employees’ General Retirement Fund, which has become a key player in the development financing of our regional economies. Investing today to better finance the pensions of tomorrow is very clearly our roadmap. As a social welfare institution, IPS-CGRAE wishes to optimize its financial capacities as an investor in order to intensify the progress towards the sustainable growth of our economies for the benefit of populations, pensioners, and public officials. With the Oragroup teams in whom we have complete confidence, we will continue in this direction. In addition, as part of a large project of pan-African institutional that the IPS-CGRAE will promote, social welfare funds of the sub-region will be invited to participate in the operation and make their contribution to the development of the group in each country of presence.” says Abdourahmane Tiémoko BERTE, Director General of the Institute of Social Welfare – General Fund of Retirement of State Agents. The synergy with IPS-CGRAE and its 83,000 members will sustainably strengthen the banking group’s performance and improve product offerings for the well-being of retirees and government officials in Ivory Coast and the sub-region.
Since 2008, with the support of ECP, Oragroup has developed its geographical footprint and its activities through organic and external growth, with the acquisition in 2012 of the assets of the Togolese Development Bank and in 2013 of The Solidarity Regional Bank with BOAD. The Group’s net banking income and assets increased 12-fold between 2008 and 2018, a significant result in the sector. As for Oragroup’s commercial brand, Orabank, it was launched in 2011 and has since established itself as a benchmark brand.
Over the last 10 years, Oragroup’s growth trajectory has been recognized with a ranking in the Top 5 in several of its countries of presence (No. 1 in Togo) and numerous awards: the African Banker Awards in 2015 and 2017 for “Best Regional Bank in West Africa,” the “Best Bank” of Burkina Faso in 2017 and 2018, Togo and Senegal in 2018 by the Financial Times group. Finally, the long-term A and short-term A2 investment ratings obtained from Bloomfield in May 2018 and August 2019 confirm the Group’s solidity and performance.
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economics
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https://cspl.blog.gov.uk/2020/06/19/understanding-the-value-of-selflessness-in-the-coronavirus-crisis/
| 2024-03-02T10:59:25 |
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With its remit across public life, the Committee is maintaining a close watch on standards issues arising as a result of the Covid-19 pandemic. Recognising the unique and unprecedented nature of the challenge for the public sector, continuing to uphold the Seven Principles of Public Life is vital to maintaining trust in government and our institutions throughout this crisis. In a series of blogs, the Committee will discuss the relevance of these principles to the current crisis. We are not considering the government’s practical response to the crisis, e.g. the availability of PPE or length of lockdown, but rather monitoring any impact on standards and the Nolan Principles.
In this blog, independent member of the Committee, Dame Shirley Pearce, discusses the value of selflessness and the demands made on public sector workers during the Coronavirus crisis.
The Nolan Principle of Selflessness asks that those engaged in public roles act solely in the public interest. This means placing the needs of the public ahead of their own personal needs and progression.
It is a challenging principle at the best of times since we all, naturally, tend to be motivated by our own needs and those of our families. And at a time when we are all stretched by the constraints of the COVID-19 pandemic, the challenges to the principle of selflessness are particularly great.
We work to satisfy many complex needs. At the simplest transactional level, we work to earn money to enable us and our families to thrive and progress in the world.
But financial reward is not the only factor that determines how and where we work. Most people try to choose areas of work that also meet their psychological and social as well as financial needs. The ability to provide services that improve the lives of others is often a powerful motivator for those who work in the public sector. So selflessness makes good sense to most public office holders and can even provide reward in itself.
But it isn’t always easy. The principle of selflessness addresses the potential conflict between the benefit to the provider and the recipient of the public sector service.
It requires that at all times those providing public sector services should not allow their own interests and advantages to influence how they respond. The needs of the recipient and their formal entitlements should be what determines the intervention and action of the provider. Public sector roles vary in the extent to which discretion can be used in the interactions and outcomes post holders can deliver to their clients. Social security decisions for example are constrained by rules and rights. Those in health and social care management may be more nuanced and an individual’s decision can influence the outcomes more directly.
This principle has been uniquely tested in the current pandemic. We have seen NHS staff asked to take on high risk roles and retrain to play a role in the front line. In considering how to respond to this demand, staff have had to balance the risks of becoming ill themselves with the need to provide an effective service to their patients. Those who have agreed to be part of the front line have provided the ultimate example of selflessness, putting the needs of their patients above their own personal well-being. And those who have contracted the virus as part of their work and have died so tragically have paid the ultimate price of selflessness. The concept of what is a reasonable level of selflessness in life and death situations has been brought to the fore in the COVID-19 crisis. We do expect staff to go the extra mile in a crisis, but most in health and social care did not see their lives as under threat before now. What is reasonable for us to expect? We do not, for example, expect benefits staff to hand over their own money, but we do expect nurses to work an extra shift.
Senior staff have a particular responsibility in this crisis to ensure that the demands on their staff do not go beyond the expectations of their contract or profession and that their staff are properly supported and protected to take on new responsibilities.
For example, the initial shortage of PPE created ethical tensions we would not normally expect as staff had to determine their response to working with suboptimal protection. There is no right or wrong in these situations and each person should be respected for the way they have, individually decided to respond to this extreme challenge to their selflessness. But they and we need to be sure that they have not done so because they have been pressured or bullied.
Amongst care workers we have seen examples of those who have moved into care homes with their residents so that the risk of the virus entering the home is reduced. In so doing they have put their own fate into the same place as the residents and, showing extreme levels of selflessness, have put the needs of the residents above those of their own family. Whilst we honour those who have made the extreme sacrifice, we must also be clear that it is not something that is legitimate for us to expect. If there is no alternative, then we should deeply regret that we expect it, and we should give serious consideration to how we acknowledge people’s sacrifice and how to learn lessons to avoid asking it of others in the future.
Selflessness does not just happen in extreme situations such as the pandemic. Selflessness forms part of daily life of effective public sector workers and is something that we all should value and support, but not rely on or exploit, as we work our way out of this crisis.
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economics
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https://glennimmigration.com/immigration-resources/uscis-tax-return-requirement/
| 2024-04-17T08:21:55 |
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Whether you are applying for a green card, seeking naturalization, or sponsoring a relative’s immigration, the United States Citizenship and Immigration Services (USCIS) may require you to present your tax documents.
The interplay between tax filing status, residency, and immigration status is complex. The American tax system categorizes individuals into ‘Resident Aliens’ and ‘Nonresident Aliens,’ each with distinct tax obligations based on their time spent in the U.S. and their immigration status. For those applying for the U.S. citizenship, tax returns serve as critical proof of naturalization eligibility, with the USCIS requiring specific tax documentation to assess applicants’ good moral character and adherence to federal laws.
In this article we’ll discuss the USCIS tax return requirements, necessary documents, the impact of your tax status on your immigration applications, and how to ensure compliance with U.S. tax laws. By understanding these tax requirements, you can avoid potential pitfalls that might jeopardize your immigration status or delay the processing of your green card or citizenship application.
1. What Are the USCIS Tax Return Requirements?
The process of immigration to the United States involves numerous paperwork and strict adherence to the regulations set by the USCIS. Among these requirements, the necessity for tax returns stands out as a critical element that underscores an applicant’s financial responsibility and adherence to U.S. laws.
– The Role of Tax Returns in USCIS Applications
Tax returns are essential for several reasons in the context of immigration. Firstly, they serve as proof of the sponsor’s ability to support an immigrant financially, ensuring that the immigrant does not become a public charge. This is particularly relevant in family-based green card applications, where the sponsor must submit Form I-864, Affidavit of Support, accompanied by their most recent tax returns.
Moreover, tax documents reflect the applicant’s compliance with U.S. laws, an aspect USCIS scrutinizes to determine one’s eligibility for certain immigration benefits. For instance, consistent tax filing can indicate good moral character, a requisite for citizenship through naturalization.
– Tax Status: Resident Alien vs. Nonresident Alien
Understanding your tax status is pivotal, as it directly influences your tax filing obligations and, by extension, your immigration process. The U.S. tax system classifies individuals into two broad categories based on their immigration status and presence in the country: Resident Aliens and Nonresident Aliens.
- Resident Aliens are generally green card holders or meet the Substantial Presence Test, requiring them to pay taxes on their global income just like U.S. citizens.
- Nonresident Aliens are individuals who do not hold a green card and do not meet the presence requirements. Their tax obligations are limited to income earned from U.S. sources.
These distinctions are crucial because your tax filings under these categories can impact your immigration applications and status. For example, USCIS and other federal agencies may interpret the way you file your taxes—as a Resident or Nonresident Alien—as indicative of your ties to the U.S., which can influence decisions on applications for adjustment of status or naturalization.
Further reading: Learn about the difference between a Green Card and Visa
– Implications for Immigration
The intersection of tax laws and immigration status is complex, and navigating it requires careful attention to ensure compliance on both fronts. The tax documents you are required to present can vary based on the specific immigrant visa category you seek. Generally, the government may request copies of your tax returns and evidence of tax payments to verify financial stability and legal compliance.
Understanding and correctly handling your tax return requirements are fundamental steps in safeguarding your immigration journey. Failing to file tax returns, or filing them incorrectly, can lead to adverse immigration consequences, including delays in processing applications or denials of certain benefits. Therefore, it’s advisable to consult with immigration and tax professionals to ensure that your tax status and filings support, rather than hinder, your immigration objectives.
2. Required Tax Documents for Immigration Applications
Navigating the USCIS requirements for tax returns involves understanding the specific documents you need to gather and submit with your immigration application. Here is an outline of the essential tax documents for all green card sponsors and additional requirements for certain immigration situations.
– Tax Documents for All Green Card Sponsors
All sponsors are required to submit a copy of their individual Federal income tax return, including all W-2s, for the most recent tax year. This is a fundamental requirement that demonstrates green card sponsors financial capability and compliance with U.S. tax laws. If you were not required to file a tax return, you must provide a statement or evidence explaining why, which could include evidence of non-taxable income or income below the filing threshold.
Additionally, including copies of each Form 1099, Schedule, and any other evidence of reported income is essential. These documents give a comprehensive view of your financial status, further supporting your application. For a more thorough assessment, you may also submit tax information for the most recent three tax years, pay stubs from the last six months, and/or an employment verification letter if deemed necessary.
– Additional Documents for Specific Immigration Situations
- Self-Employed Sponsors: If you’re self-employed, you’ll need to provide a copy of your Schedule C, D, E, or F from your most recent Federal income tax return. This document should establish your income from your business, providing a clear picture of your financial stability.
- Active Military Sponsors: For those on active duty in the U.S. Armed Forces or U.S. Coast Guard and sponsoring a spouse or child, proof of active military status and income that meets 100 percent of the Federal Poverty Guidelines is required. This concession is a recognition of the service and sacrifice of military personnel.
- Using Household Income or Assets: If you’re using the income of household members or dependents to qualify, additional documentation will be needed. This includes a separate Form I-864A for each person whose income you are using and proof of their residency in your household and relationship to you. Also, if assets are being used to qualify, documentation establishing location, ownership, date of acquisition, and value of these assets is required.
- Joint Sponsors and Substitute Sponsors: Joint sponsors or substitute sponsors must prove their U.S. citizenship, lawful permanent resident status, or U.S. national status. This could include a birth certificate, passport, or Permanent Resident Card (Form I-551), depending on the sponsor’s status.
Preparing the correct tax documents is crucial for a successful immigration application. The requirements can vary significantly based on your specific situation, including whether you are self-employed, a military sponsor, or using assets or household income to meet financial requirements. Carefully review your situation against USCIS guidelines and consider consulting with an immigration professional to ensure you gather and submit all necessary documentation accurately.
3. Tax Filing Status and Its Impact on Immigration
Understanding the relationship between tax filing status and immigration is critical, as it can influence one’s ability to adjust status, obtain a green card, or even naturalize as a U.S. citizen.
– Tax Filing Compliance and Immigration Status
The United States tax system differentiates between ‘Resident Aliens’ and ‘Nonresident Aliens’ for tax purposes, based on factors such as green card possession or substantial presence in the country. This classification has significant implications for tax filing obligations and, by extension, immigration processes.
For immigration purposes, demonstrating tax compliance is crucial. The USCIS scrutinizes tax filings as part of assessing an applicant’s adherence to U.S. laws, which is particularly important for those seeking permanent residency or citizenship. Inconsistent tax filing or failure to file can be viewed as indicators of poor moral character or a lack of financial stability, potentially jeopardizing immigration applications.
– The Consequences of Incorrect Tax Filing
Incorrectly filing your taxes, such as filing as a Nonresident Alien when you meet the criteria for Resident Alien status, can have serious repercussions for your immigration status. Such errors may suggest to USCIS that you do not consider the U.S. your permanent home, affecting your eligibility for certain immigration benefits, including the possibility of naturalization.
Moreover, deliberate attempts to evade taxes or misrepresent financial status through tax filings can lead to legal challenges, including deportation proceedings. It’s not merely a matter of financial penalties; the integrity of your tax filings reflects on your character and eligibility for immigration benefits.
– Ensuring Compliance with Tax and Immigration Laws
To navigate the intersection of tax laws and immigration successfully, it’s essential to:
- Understand your tax filing status: Determine whether you’re considered a Resident Alien or Nonresident Alien for tax purposes and file your taxes accordingly.
- Maintain accurate records: Keep detailed records of your income, tax filings, and any communications with the IRS. These documents can be invaluable in clarifying your situation to USCIS if needed.
- Seek professional advice: Given the complexity of both tax and immigration laws, consulting with professionals in both fields can provide clarity and help avoid costly mistakes. Immigration attorneys and tax advisors can offer tailored advice based on your specific circumstances.
By carefully managing your tax filings and understanding their implications for your immigration status, you can avoid unnecessary complications. Proactive and informed management of your tax obligations is a crucial step in ensuring a smooth immigration process, safeguarding your status in the U.S., and moving closer to achieving your immigration goals.
4. Tax Returns and Citizenship Eligibility
For individuals applying to become U.S. citizens through naturalization, tax returns are not just financial documents; they are integral proofs of their commitment to the country’s laws and societal responsibilities showing good moral character.
Naturalization applicants must demonstrate good moral character, a key requirement for U.S. citizenship. Consistent and accurate tax filing is a significant indicator of this character trait. The USCIS views tax compliance as a reflection of an applicant’s adherence to U.S. laws and responsibilities as a resident. Failure to file tax returns, or filing them incorrectly, can lead to questions about an applicant’s moral character and potentially derail their citizenship application.
– Required Tax Documentation for Citizenship and How Many Years
When applying for citizenship through naturalization, individuals are generally required to present tax returns for the last five years, or three years if married to a U.S. citizen. These documents must be certified tax transcripts obtained from the IRS. The submission of these documents serves two purposes: it demonstrates the applicant’s financial stability and their compliance with U.S. tax laws over a significant period.
Furthermore, presenting tax returns can also help address any concerns regarding an applicant’s continuous residence or physical presence in the United States, as required by USCIS for naturalization.
– Handling Tax Issues Before Applying for Citizenship
Citizenship applicants with outstanding tax issues are advised to resolve these before applying for naturalization. This can involve setting up a payment plan with the IRS for any owed taxes. Importantly, evidence of such a payment plan and receipts for payments made can be presented during the naturalization interview to demonstrate compliance and good faith effort to fulfill tax obligations.
This proactive approach to resolving tax issues not only helps to reinforce the applicant’s good moral character but also ensures that the naturalization process is not hindered by unresolved financial liabilities.
– Key Takeaways for Naturalization Applicants
- Ensure Compliance: Regular and accurate filing of tax returns is crucial. Verify that your tax status accurately reflects your residency status and that you meet all filing requirements.
- Gather Documentation: Obtain certified tax transcripts for the required period before your naturalization interview. This demonstrates a history of compliance and financial responsibility.
- Address Outstanding Issues: If you have unresolved tax issues, address them promptly. Engage with the IRS to establish a payment plan if necessary and keep records of any arrangements and payments.
5. Special Considerations for Different Immigration Forms
The USCIS utilizes a variety of forms to process different immigration benefits, each with its unique set of requirements, including those related to tax returns. Here are the special considerations related to tax documentation for some of these key immigration forms.
– Form I-864, Affidavit of Support
For those sponsoring family members for U.S. immigration, Form I-864, Affidavit of Support, is a critical document. It requires sponsors to demonstrate their financial ability to support the immigrant to ensure they do not become a public charge. Sponsors must submit their most recent tax returns, along with W-2s and additional evidence of income, such as pay stubs or employment letters, to meet these requirements. This documentation is crucial for establishing the sponsor’s income level against the Federal Poverty Guidelines.
– Green Card Applications and Tax Returns
Tax returns play a significant role in green card applications, particularly those based on marriage. Joint tax returns can serve as evidence of a bona fide marriage, which is a key requirement for marriage-based green card applications. The USCIS often views jointly filed tax returns as an indicator of a couple’s financial interdependence and commitment. In cases where a joint sponsor is involved, their tax returns are also required to ensure they meet the income requirements to support the immigrant.
– Naturalization and Continuous Residence
Applicants for citizenship through naturalization (Form N-400) must show continuous residence in the U.S. Tax returns can be valuable in demonstrating this requirement, providing a clear record of the applicant’s presence and financial activity in the U.S. over the required period. Consistently filed tax returns are also indicative of the applicant’s good moral character, a necessity for naturalization.
– Addressing Tax Issues for Visa Adjustments
Individuals applying for adjustments of their visa status (Form I-485) must be in compliance with all U.S. laws, including tax laws. In situations where applicants have not filed taxes or have outstanding tax liabilities, resolving these issues becomes crucial before submitting their application. Documentation of tax filing or resolution of tax issues can support the application process, demonstrating the applicant’s commitment to adhering to U.S. laws.
6. How to Address Tax Issues in Immigration Applications
Dealing with tax issues is a critical step for immigrants and sponsors in the U.S. immigration process. Tax compliance plays a significant role in various immigration applications, and unresolved tax issues can impact one’s immigration status or application outcomes. Here are strategies to address tax issues effectively, ensuring a smoother immigration process.
– Identify and Resolve Outstanding Tax Liabilities
Before proceeding with any immigration application, it’s crucial to identify any outstanding tax liabilities. The IRS offers various programs and options for individuals to resolve unpaid taxes, including payment plans and offers in compromise. Engaging with the IRS to address these liabilities and obtaining documentation of any arrangements or resolutions is essential. This documentation can then be presented to USCIS as evidence of tax compliance.
– Obtain Tax Transcripts
For many immigration applications, including naturalization and applications requiring the Affidavit of Support (Form I-864), certified tax transcripts from the IRS are needed. Tax transcripts provide a more official record of your tax filings than copies of tax returns and are often required by USCIS to verify income and tax compliance. Requesting transcripts early in the application process can prevent delays, as obtaining these documents from the IRS may take time.
– Consult with Tax and Immigration Professionals
The intersection of tax and immigration laws can be complex, and individual situations may require specialized advice. Consulting with tax professionals can help ensure that your tax filings are in order and that any outstanding issues are appropriately addressed. Similarly, immigration attorneys can provide guidance on how tax issues may affect your immigration application and help navigate any potential challenges.
– Document Non-Filing Years
If there were years you were not required to file a tax return, it’s important to document the reasons for non-filing and gather any supporting evidence. This might include proof of insufficient income, residency outside the U.S., or other valid exemptions. Providing a clear and truthful explanation, supported by documentation, can help address any questions from USCIS regarding gaps in tax filing history.
– Prepare for Immigration Interviews
During immigration interviews, particularly for naturalization or green card applications, be prepared to discuss your tax filings and any issues that have been resolved. Practicing responses to potential questions about your tax history can help you present your situation confidently and accurately. Bringing documentation to the interview, including tax transcripts and evidence of resolved tax issues, can also support your case.
7. How to Get Tax Transcripts from the IRS for USCIS Applications
Obtaining tax transcripts from the IRS is an essential step for many USCIS applications, as it verifies your income and tax compliance. Here’s a straightforward guide on how to request these documents:
- Step 1: Determine the Type of Transcript You Need
- Tax Return Transcript: Shows most line items from your tax return as it was originally filed. Suitable for most USCIS applications.
- Tax Account Transcript: Provides basic data including return type, marital status, adjusted gross income, and taxable income.
- Decide which one fits the requirements of your application.
- Step 2: Online Request
- Visit the IRS website and use the “Get IRS TAX Transcript Online” feature. You’ll need to create an account or log in, providing your SSN, date of birth, filing status, and mailing address from your latest tax return.
- Select the type of transcript you need and the year. You can view, download, and print your transcript immediately.
- Step 3: Phone Request
- Call the IRS at 1-800-908-9946. You’ll need to provide your SSN or Individual Tax Identification Number (ITIN), date of birth, and the numbers in your street address.
- Follow the prompts to select the type of transcript and the tax year you need.
- Step 4: Mail Request
- Step 5: In-Person Request
- If you prefer, you can visit a local IRS office to request a transcript in person. Check the IRS website for Taxpayer Assistance Center Office Locator and make an appointment if required.
– Troubleshooting Common Issues with Obtaining IRS Tax Documents for Immigration
- If you encounter difficulties with the online system, such as verification problems, try the phone or mail request options.
- For issues related to accessing transcripts for a year not available online, contact the IRS directly for assistance.
- Obtaining your tax transcripts from the IRS is a key step in preparing your USCIS application, demonstrating your financial history and compliance with tax laws. By following these steps and planning ahead, you can ensure that this part of your application process is as smooth as possible.
8. Immigration Attorney Support for Tax Matters in USCIS Applications
Preparing your USCIS application can be a complex process, especially when it comes to ensuring all your documentation, including IRS tax reports and transcripts, is in order. Don’t let this crucial step become a stumbling block on your path to achieving your immigration goals. Start the process early, and ensure you have all the necessary documentation well in advance of your immigration application deadline.
If you find yourself needing assistance or have questions about obtaining your tax transcripts from the IRS for your immigration application, consider seeking help from an experienced immigration attorney in Atlanta, GA at Glenn Immigration LLC. They can provide valuable guidance, help troubleshoot any issues you might encounter, and ensure your green card or citizenship application is as strong as possible.
Remember, the effort you put into preparing your immigration application now can save you time and stress later, bringing you one step closer to your goal. So, take action today: review your tax documents, request any transcripts you need from the IRS, and move forward confidently with your USCIS application.
9. FAQs Regarding USCIS Tax Return Requirement
What does USCIS look for in tax returns?
United States Citizenship and Immigration Services (USCIS) verify tax returns for consistency with income statements, proof of financial stability, and to verify marital status and dependents for applications like green card and citizenship ensuring applicants meet financial requirements for their immigration process.
How many years of tax returns are required for citizenship?
For U.S. citizenship via naturalization, applicants must bring their certified tax returns or transcripts for the last 5 years (3 years if married to a U.S. citizen) to their citizenship interview. This requirement confirms consistent tax compliance, an essential aspect of the good moral character evaluation by USCIS.
How many years of tax returns are required for a green card?
For green card applications, USCIS requires applicants to submit their tax returns for the last 3 years. This documentation supports the Affidavit of Support form (I-864), proving the green card sponsor’s (or cosponsor’s) ability to financially support the immigrant, ensuring they will not become a public charge.
Does immigration ask for tax returns?
immigration authorities, such as USCIS, commonly request tax returns to verify an applicant’s income, tax compliance, and financial stability. This is crucial for various processes, including green card applications, citizenship, and family sponsorship, ensuring applicants meet the necessary financial requirements.
What tax returns are needed for immigration?
For immigration purposes, the U.S. requires applicants to provide recent tax returns, usually the last 3 years, including both federal and state returns. They should correspond with forms like I-864 (Affidavit of Support) for family-based green cards or prove financial stability for employment or adjustment of status.
Do I need a tax return for Form I-130?
While Form I-130, the Petition for Alien Relative, itself does not require tax returns, subsequent steps in the family-based green card process, such as the Affidavit of Support (Form I-864), will. The I-864, required to obtain a green card, demonstrates the financial ability of the sponsor to support the immigrant.
What is the 7-year tax exemption for immigrants?
There is no 7-year tax exemption for immigrants. All U.S. residents, including immigrants, are subject to U.S. tax laws from the time they earn income in the U.S. However, some non-resident aliens may not owe U.S. taxes on certain income from abroad, but this does not constitute a blanket “7-year tax exemption.”
What is the “Immigration Tax Return Status”?
The Immigration Tax Return Status refers to the examination of an immigrant’s compliance with U.S. tax laws, often used by immigration authorities like USCIS during various application processes. It assesses whether the applicant has filed tax returns appropriately, reflecting their income and financial stability.
Does the IRS report to immigration?
The IRS and immigration authorities (like the USCIS) operate independently, and strict privacy laws protect taxpayer information. The IRS generally does not share individual tax return information with other federal immigration agencies due to these protections, except under specific circumstances outlined by law.
Does USCIS check if you owe taxes?
USCIS does not check if you owe taxes, but they do require evidence of tax filing and compliance as part of various application processes, such as those for a green card or citizenship. While USCIS focuses on whether applicants have filed their taxes, tax debts could potentially impact applicant’s good moral character.
How many years of tax returns are required for a green card sponsor?
A green card sponsor is typically required to submit the most recent 3 years of tax returns as part of the Affidavit of Support (Form I-864). This documentation proves the sponsor’s financial stability and ability to support the immigrant above the poverty line, ensuring the immigrant will not become a public charge.
How can I obtain tax return transcripts for USCIS immigration purposes?
To obtain tax return transcripts for USCIS immigration applications, you may visit the IRS website and use the “Get Transcript” tool, call the IRS at 1-800-908-9946, or submit Form 4506-T, Request for Transcript of Tax Return. Ensure you request the tax return transcript required by USCIS for the relevant years.
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economics
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https://medvoiceinc.com/5-ways-rcm-services-can-improve-your-financial-health/
| 2024-04-24T21:54:56 |
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As a medical provider, you strive to offer the best care and service to your patients. However, managing billing and collections can consume your valuable time and resources. By partnering with a reliable revenue cycle management (RCM) provider, you can optimize your revenue cycle to enhance cash flow.
This allows you to focus on patient care while ensuring compensation for your services. In this article, learn five ways an RCM service can improve your cash flow by taking on critical revenue cycle responsibilities. With an efficient, tech-enabled RCM strategy in place, your practice can thrive financially while you continue delivering excellent care.
The Challenges of Medical Billing and Collections
Managing medical billing and collections can be complicated and time-consuming. As a physician, your expertise is in providing quality care to your patients, not navigating complex insurance rules or chasing down unpaid claims. However, if you do not have an efficient revenue cycle management (RCM) system in place, your practice can face significant financial challenges.
Inaccurate or Incomplete Billing
Without medical billing specialists handling your claims, there is a higher chance of errors that can lead to denied or underpaid claims. This results in lost revenue for your practice and can damage patient relationships if patients receive unexpectedly high bills due to billing issues.
Difficulty Receiving Payments
The medical billing process involves communicating with numerous insurance companies, each with different policies, coverage levels, and payment rates. RCM services have teams dedicated to verifying patient insurance, determining benefits, and following up on unpaid or denied claims to maximize the payments you receive. They are also experienced in negotiating with insurance companies to dispute any unfair denials or underpayments.
Lack of Reporting and Analytics
If you do not have a robust RCM system, it can be difficult to gain visibility into key performance indicators like your revenue cycle metrics, denial rates, or accounts receivable. RCM services provide customized reporting and analytics to give you insights into your revenue cycle health and help you make data-driven decisions to optimize your practice’s financial performance.
Damage to Patient Experience
Frustrating medical bills or confusing insurance issues can reflect poorly on your practice and damage patient loyalty. RCM services help ensure patients receive clear, accurate bills by verifying insurance, catching any errors early, and providing price estimates before non-emergency procedures. They also have dedicated teams to answer any patient questions about their bills or handle disputes. This helps provide a positive overall experience and builds goodwill for your practice.
In summary, RCM services can help overcome these common challenges by providing medical billing and collections expertise, advanced technology, and dedicated resources to manage your revenue cycle, reduce errors, increase payments, gain data-driven insights, and improve patient satisfaction. Partnering with a reputable RCM provider is key to optimizing your practice’s financial health and growth.
How an RCM Company Can Help
As a medical practice, maximizing revenue and optimizing cash flow are top priorities. However, the complexities of medical billing and coding can make this challenging. An RCM (revenue cycle management) company actively manages your entire revenue cycle to ensure you receive proper reimbursement for services rendered.
RCM specialists are experts in medical coding and billing, staying up-to-date with the latest changes in CPT, ICD-10, and HCPCS code sets. They review your charts and claims to assign the correct codes for maximum, compliant reimbursement.
RCM companies analyze common reasons for claim denials and take measures to prevent them. They verify patient eligibility and insurance coverage, review claims for errors before submission, and follow up on any pending claims. This can help reduce costly rework and maximize your reimbursement rate.
Account Follow Up
Even with preventative measures in place, some claims may still be denied or go unpaid. RCM specialists conduct rigorous follow-ups on outstanding accounts, appealing improper denials and resolving any issues to get claims paid. They negotiate with insurance companies and patients to recover maximum revenue for your practice.
Reporting & Analytics
An RCM partner provides detailed reporting and analytics on your revenue cycle performance. Metrics like days in A/R, denial rates, collection rates and net collection percentage allow you to pinpoint areas for improvement. You gain insights to optimize workflows, strengthen internal controls, and boost your bottom line.
By outsourcing revenue cycle management to experts, you can focus on patient care while ensuring your practice gets paid promptly and accurately. An RCM company actively manages your billing and collections process using industry-leading practices and technology solutions to maximize your revenue and cash flow.
The Benefits of Partnering With MedVoice for RCM
MedVoice offers revenue cycle management (RCM) services to maximize your practice’s revenue and reimbursements. By outsourcing your RCM to MedVoice, you gain numerous advantages:
Increased Cash Flow
MedVoice’s team of certified medical billers and coders ensure that your claims are submitted accurately the first time. This minimizes denials and delays in payments. MedVoice also follows up aggressively on unpaid claims to reduce days in A/R and speed up your payments. With improved billing and follow-up processes, you receive payments faster.
Managing an in-house billing team requires investing in software, training, and personnel. Outsourcing to MedVoice eliminates these costs while providing specialized expertise. MedVoice’s scalable services allow you to pay only for what you need.
Your staff can refocus on patient care instead of chasing payments or managing billing questions. MedVoice handles your entire RCM process, from charge entry to payment posting and reporting. Your staff is freed up to concentrate on your practice’s core operations.
MedVoice helps identify and address issues leading to lost revenue such as incorrect fee schedules, charge lag, and write-offs. MedVoice’s medical coding experts utilize the optimal codes for your services to maximize your legitimate reimbursements. They also help determine eligibility and benefits to collect the total amount owed.
Insightful Data and Reporting
MedVoice provides real-time dashboards and reports on your key performance indicators (KPIs) like collections, adjustments, denials, and days in A/R. You gain visibility into your revenue cycle metrics to uncover trends, compare to benchmarks, and make data-driven decisions to enhance your financial performance.
In summary, outsourcing your RCM to MedVoice leads to a healthier bottom line through increased cash flow, cost savings, improved productivity, greater revenue, and data-driven insights. MedVoice’s expertise and services allow you to focus on patient care while optimizing your reimbursements.
By taking advantage of a professional RCM service like MedVoice, you can alleviate the administrative burdens of billing and collections. This frees you up to focus on patient care while ensuring you receive the proper reimbursements you deserve. With their expertise and technology, MedVoice handles all aspects of the revenue cycle – from verifying eligibility and benefits to appealing denied claims. They have the systems and scale to maximize collections in the quickest, most compliant way possible. Engaging an RCM partner could be one of the smartest financial decisions you make for your practice this year. Give the team at MedVoice a call today to learn more about how they can improve your cash flow.
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economics
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https://www.ahdictionary.com/word/search.html?q=exchange
| 2023-05-31T16:09:45 |
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en
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v. ex·changed, ex·chang·ing, ex·chang·es
1. To give in return for something received; trade: exchange dollars for francs; exchanging labor for room and board.
2. To give and receive reciprocally; interchange: exchange gifts; exchange ideas.
3. To give up for a substitute: exchange a position in the private sector for a post in government.
4. To turn in for replacement: exchange defective merchandise at a store.
1. To give something in return for something received; make an exchange.
2. To be received in exchange: At that time the British pound exchanged for $2.80.
1. The act or an instance of exchanging: a prisoner exchange; an exchange of greetings.
2. One that is exchanged.
3. A place or network for exchanging things, especially a center where securities or commodities are bought and sold.
4. A telephone exchange.
a. A system of payments using instruments, such as negotiable drafts, instead of money.
b. The fee or percentage charged for participating in such a system of payment.
6. A bill of exchange.
7. A rate of exchange.
8. The amount of difference in the actual value of two or more currencies or between values of the same currency at two or more places.
9. A dialogue: a heated exchange between the two in-laws.
Of or relating to a reciprocal arrangement between a local and a foreign institution or group: an exchange student; exchange programs for students learning foreign languages.
[Middle English eschaungen, from Anglo-Norman eschaungier, from Vulgar Latin *excambiāre : Latin ex-, ex- + Late Latin cambīre, to exchange, barter; see CHANGE.]
The American Heritage® Dictionary of the English Language, Fifth Edition copyright ©2022 by HarperCollins Publishers. All rights reserved.
Indo-European & Semitic Roots Appendices
Thousands of entries in the dictionary include etymologies that trace their origins back to reconstructed proto-languages. You can obtain more information about these forms in our online appendices:
The Indo-European appendix covers nearly half of the Indo-European roots that have left their mark on English words. A more complete treatment of Indo-European roots and the English words derived from them is available in our Dictionary of Indo-European Roots.
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economics
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https://www.bauxite.club/newsinfo/221049.html
| 2019-10-21T21:02:44 |
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Deputy Director General
Ministry of Mines and Geology
Mohamed Baba SYLLA, B.Eng., M.Eng., holds a bachelor’s degree in electrical engineering (Telecommunication) and a master’s degree in computer engineering from Polytechnique Montréal. He holds also a strategic foresight degree from Conservatoire National des Arts et Métiers (CNAM) in Paris.
From 2002 to 2008, he has been working in Montreal as software engineer and consultant for several companies, including the investment bank Morgan Stanley through Compuware.
From 2008 in 2015, he worked as Senior Consultant in France mainly for CAC 40 companies (Accor, Cap Gemini, T-Systems...) as major Information System project manager and architect.
From 2015 to 2016, Mohamed Baba SYLLA was Chief Operating Officer in Niger in charge of defining and implementing the strategy of transformation and development of one of the leader company of its sector.
Since July 2016, Mohamed Baba SYLLA is the Deputy Director-general of the Mining Promotion and Development Center of the Republic of Guinea. He has driven successfully the completion of the modernization of the mining cadaster which now enables an efficient and transparent management of mining titles and authorizations.
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economics
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http://horizonmp.com.au/
| 2018-03-24T21:26:05 |
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en
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Home Loan Pre Approval
A Home Loan Pre-Approval is where you apply for a Home Loan, before you find the property you want to buy.
It means that the initial paperwork is completed, before you get onto the fun part of buying a new home.
It allows you to search for your new home with peace of mind, you know your Price Range, you know your Lending Range, so you have a more focused shopping experience for your new property.
It may also mean that you are taken more seriously by the Realty Agent as a prospective buyer, because you can demonstrate that you’ve already done your Finance homework.
This may also put you in a stronger position to negotiate price with the Vendor.
Generally a Pre-Approval is valid for up to 3mths, and can easily be extended if required, provided nothing of a material nature has changed about your circumstances i.e. job, salary, and your existing liabilities haven’t increased.
To actually know that you have the ability to borrow – before you buy – can also save time.
If you aren’t sure whether a Lender will consider your application, perhaps a default or inconsistent repayment history may impair your ability to borrow, this is where we can work with you to get these issues sorted out and appropriately tidied up, before going to the next step of a Home Loan Pre-Approval.
If your Savings Plans need some guidance and focus, we can also help you there.
The 5 C’s of Credit is the foundation for all borrowing. Ideally a loan applicant is able to show either a Savings or a Repayment History, to show they are a worthy borrower, these aspects form part of the 5 “C’s” of Borrowing & Lending:
- Cash Flow/Capacity to repay
- Collateral/Security/Property type & location
- Capital/Cash Deposit Savings/Equity
- Conditions/Economic/Lending Policy.
A Contract to Purchase – Contract of Sale by Offer & Acceptance, is a Legal Document so checking out your ability and capacity to borrow is always the first step.
At Horizon Mortgage Planners – we help you Plan - before you buy.
Phone us today: (08) 9474 2500
How much can I borrow?
An instant estimate of how much you can borrow for your home loan.
Basic Loan Repayments
Calculate how much your home loan repayments will be by comparing options like fortnightly repayments, interest rates and length of loan.
Complete Loan Comparison
Use a loan comparison calculator to compare current home loan products in Australia.
Calculate your home loan repayments with extra repayments and results of time and interest saved.
How Long to Repay
Simple calculation of repayments resulting in loan term and overall cost of loan.
Lump Sum Payments
Simple calculation of how a lump sum payment lowers the loan term and overall cost of loan.
P & I / Interest Only
Compare the loan repayments between a principal and interest loan or an interest only loan.
Find out how much your loan will grow to be and how much you or your estate will have left after paying back the loan when the house is sold.
Calculate your repayments based on a split loan between fixed and variable.
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economics
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http://region9.healthresearch.ph/index.php/research-utilization/10-news/172-best-practices-for-mango-sought-for-better-quality-production?tmpl=component&print=1&page=
| 2019-05-26T10:31:03 |
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en
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The prospect of planting mango has been made sweeter to farmers.
Multi-location research has identified natural control for common pests and diseases as well as other interventions benefiting mango, a highly valued crop that brings income to small farmers and dollars to the nation’s coffers.
The Philippines is the world’s seventh leading mango producer. Fresh mango is the leading dollar earner, consisting 59 percent of total mango export, followed by dried mangoes, mango puree, juice concentrates and mango juices.
Mango production dropped by 10 percent during the fourth quarter of 2017. The decline was attributed by the National Statistics Authority to farmers who were discouraged to conduct flower induction activities due to the occurrence of intermittent rains in the Zamboanga Peninsula (Zamboanga del Norte and Zamboanga del Sur).
Frequent rains also led to lesser fruits developed during the flowering stage in Northern Mindanao, especially in Misamis Occidental.
The top mango producers last year were Zamboanga Peninsula (where a fourth of national production came from), followed by Caraga (Agusan del Norte, Agusan del Sur, Dinagat Islands, Surigao del Norte, Surigao del Sur) then Northern Mindanao.
These provinces will benefit most from a project funded by the Australian Centre for International Agricultural Research (ACIAR) and the Philippine Council for Agriculture, Aquatic and Natural Resources Research and Development (PCAARRD), Department of Science and Technology.
Mango is one of the priority commodities listed in PCAARRD’s National R&D Agenda and is included in the ACIAR-PCAARRD Horticulture Program on Fruits and Vegetables.
The project aims to improve the quality and yield of mango in order to reduce product losses due to pests and diseases and decrease production costs. It aims to prevent the decline in production and quality of fruits attributed to pests and diseases.
The research is geared towards improving fruit quality by developing effective insect control and Integrated Pest Management (IPM) solutions. Adoption of sustainable IPM practices could improve quality and yield of mango and increase farmers’ income by 156 percent.
Another target is to improve fruit size and yield by optimizing nutrition and canopy management. The project initiated a demonstration and training on canopy management in Davao Occidental and Davao del Sur.
Spraying trees with plant growth regulators (PGR) could also reduce the incidence of blossom blight compared with multiple sprays of fungicide and could give higher average yield per tree. Auxin, cytokinin, gibberellic acid and salicylic acid were the PGRs used in the study.
PGRs are potential controls for mango fungal diseases, according to Dr. Virgie Ugay of USeP.
PGRs, commonly known as plant hormones, are chemical substances that promote the growth of plant cells, tissues and organs. Auxins, for example, stimulate cell elongation and influence root initiation and the development of auxiliary buds, flowers and fruits.
Ultimately, the research project aims to improve mango farmers’ livelihoods and profits by developing and implementing an integrated management package of “best practices.” A national survey in eight major mango growing areas of the Philippines was completed and is expected to provide information as foundation of “best bet” management guidelines.
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economics
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http://www.cambodiaharvest.org/
| 2013-12-08T19:42:25 |
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- USAID Frontlines Magazine article "Mobile Kitchens Bring Improved Nutrition to Isolated Communities in Cambodia"
- Request for Proposals - Mobile Kitchen Project Battambang Province
- Request for Proposals - Mobile Kitchen Project Siem Reap Province
- Communities Replant Degraded Forests
- Mobile Kitchens Take Nutrition to the People
- Students Receive Thesis Support
- Doubling Incomes and Impact in Cambodia - Blog post by Greg Beck, Deputy Assistant Administrator of USAID for Asia
- USAID Frontlines Magazine article "Harvesting Cambodia's Future"
- Photo Storyboard Highlights Recent Achievements
Latest Monthly Reports
Feed the Future is the US government's global hunger and food security initiative that supports country-driven approaches to address the root causes of hunger and poverty. Cambodia HARVEST is a key part of Feed the Future, working to foster equitable growth in the agricultural sector; improve nutritional status, especially of women and children; and reduce rural poverty in selected regions.
Who We Are
Cambodia HARVEST is a five-year integrated food security and climate change program supported by the American people through the United States Feed the Future and Global Climate Change initiatives. The program seeks to reduce poverty and malnutrition by diversifying and increasing food production and income for up to 70,000 rural Cambodian households. Cambodia HARVEST develops sound, agricultural-focused solutions to poor productivity, postharvest losses, malnutrition, lack of market access, environmental degradation, and the effects of climate change on vulnerable rural populations.
Cambodia HARVEST works in provinces around the Tonle Sap Lake, where there is a high percentage of poor and food insecure families. The program is currently working with over 35,000 clients in more than 300 villages throughout Battambang, Kampong Thom, Pursat, and Siem Reap provinces.
Goals and Objectives
The overarching goals of Cambodia HARVEST are to improve food security; strengthen natural resource management and resilience to climate change; and increase the capacity of the public and private sectors and civil society to support agricultural competitiveness. Specific objectives include:
- Increase incomes for 70,000 rural households;
- Accrue economic benefits for 140,000 people;
- Develop income-generating activities for 7,000 "extreme poor" households;
- Diversify cropping systems for 31,500 households; and
- Generate $20 million in incremental new agricultural sales.
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economics
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http://www.traffichunt.com/traffichunt/index/netBidding
| 2017-11-17T19:21:55 |
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A single buying point to allocate budget across several channels.
A real-time, holistic view of reach, frequency, performance and return on advertising spend across channels.
An advanced toolset to use data to drive more intelligent ad buying on a per impression basis.
Direct competition - advertisers compete with one another for every single impression, driving up the price of ad space.
Sell one impression at a time - this maximizes the value of each and every impression with competing advertisers bidding on different criteria for that impression, ensuring that the publisher gets the best ad space price.
Transparency - more granular information on which advertisers are buying inventory and what they are paying.
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economics
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http://kylerkanzi.amoblog.com/emergency-bankruptcy-attorney-churchill-mt-call-877-541-9307-8570497
| 2018-12-16T07:02:51 |
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| 0.947468 | 8,948 |
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Emergency Bankruptcy Attorney Churchill MT - Call 877-541-9307
Emergency Bankruptcy Attorney Cut Bank MT - Call 877-541-9307
If you have actually been battling to obtain from financial debt for a very long time and you seem like you're lacking options, there may come a time when you decide to state personal bankruptcy. Lots of people take into consideration personal bankruptcy just after they go after financial obligation loan consolidation or financial obligation settlement These options could aid you obtain your finances back on the right track and will not adversely impact your credit scores as high as a bankruptcy. Debtors ought to know that there are several alternatives to personal bankruptcy, especially if they are pondering declare Phase 7 insolvency.
If a borrower has absolutely nothing left that is valuable, such as residential property or earnings, one more bankruptcy option is simply to stop paying financial institutions. At, legal representatives from our network figure out as well as assess instances whether filing for Phase 7 insolvency, Chapter 13 bankruptcy, or another financial obligation management technique will certainly be best.
Sole proprietorships could also be qualified for relief under phase 13 of the Insolvency Code. If you wish to release your charge card financial obligation, medical and also utility costs, prevent repossession, and examine the viability of financial obligation administration plans or financial obligation negotiation strategies, you require the aid of qualified personal bankruptcy attorneys.
Filing for personal bankruptcy is a lawful process that either lowers, reorganizes or removes your financial debts. Lenders might wish to stay clear of a borrower entering into insolvency, computing that a personal bankruptcy filing will reduce the quantity of the financial obligation that will be repaid to them. Attorneys from our network could clarify which kind of personal bankruptcy will best safeguard your possessions while wiping out the largest amount of financial debt, so you'll recognize you're selecting the ideal course for you.
Due to the fact that you stopped working the means examination for Phase 7, you would certainly have to if you file Chapter 13 personal bankruptcy either to conserve an asset or. You may be able to reduce out those nice-to-haves like wire or satellite landline, cell as well as tv phones if you take a closer look at your spending plan. If you have to choose in between settling a couple of financial debts or submitting bankruptcy, resolve the financial obligations, however do it right.
The Legislation Workplaces of Kevin Ahrenholz could help you in submitting Chapter 7, Phase 11, Phase 12, and Chapter 13 personal bankruptcy. The possible positive side with finding out a Chapter 13 is your only personal bankruptcy alternative is that you could have accessibility to funds that could allow you to resolve your financial obligations swiftly. People who made use of Phase 13 personal bankruptcy, best called wage earner's personal bankruptcy," had to do with split in their success.
During this time around, a bankruptcy discharge could avoid you from getting brand-new credit lines as well as might also trigger issues when you make an application for work. Most of the people filing personal bankruptcy were not especially rich. Our bankruptcy lawyers can aid you to explore non-bankruptcy options to assist you locate the financial obligation alleviation remedy that is best for you.
To find out more about personal bankruptcy and also other debt-relief alternatives, seek advice from a local credit score therapist or read the Federal Trade Payment's informational web pages. The individuals as well as organisation that apply for insolvency have even more financial obligations compared to cash to cover them as well as do not see that transforming anytime quickly.
If among these bankruptcy options conserves your credit score, it's better to take it, also if it will certainly take a little bit longer or set you back a little more to get eliminate your financial debt. This is a far better alternative for the lender than if the borrower has the financial debt released in Phase 7 insolvency or placed in a court-approved payment strategy in a Phase 13 bankruptcy.
In Phase 13 loan consolidation" personal bankruptcy, you reach maintain all your house, yet you pay into a three- to five-year payment plan. However, insolvency is still costly, and because of that, we offer 9 different payment plan options that will fit most budget plans. For this reason, before figuring out if personal bankruptcy is your ideal strategy, it's smart to compare all choices you need to get debt relief without personal bankruptcy.
Even though people can file a bankruptcy case with no attorney or “Professional se,” it is critically tough to get it done competently.|The viewpoints expressed on this Web-site depict only the views of Robinson Regulation Personal computer and therefore are under no circumstances supposed as legal advice on which you ought to count.|Take note: You might be finding even further guiding simply because you are not taking advantage of all readily available tax credits and income dietary supplements. Use our Do not Leave Funds to the Desk! checklist to see if you may be improving your income with more credits, refunds and Advantages.|The fear and strain of having these debts and currently being pressured by selection organizations is just too hard so that you can tackle, or|Filing Chapter 13 bankruptcy stops foreclosure, removes bank card debt, together with other debts which include healthcare charges or own loans. In some instances, Filing Chapter 13 bankruptcy can strip or remove a 2nd property finance loan lien or a 3rd house loan lien over a household.|There are numerous means of finding a reduced-Expense legal Expert online. You can try out employing a free law firm Listing to think of an excellent list of candidates. The downside to this method is always that you will need to get in touch with or go to Each and every one of them and describe your monetary predicament.|You need to supply the name and handle of the company or person connected to the lease or contract, a description in the lease or agreement, along with the account quantity.|in a reduced rate and acquire it done quick. The main would be the dollars certification sort. It will state your income move together with it’s planning to exhibit a charge plan.|Don't hide info from them the attorney. Place all your info available Therefore the attorney can provide you with an educated remedy based on the real points of your situation. You’ll most likely find some very competent, lower-Value bankruptcy legal professionals or maybe pro bono bankruptcy attorneys who will be ready to assistance.|Using a Free Session, we can easily begin that can assist you, All your family members, or your little small business on the simplest route to monetary recovery. We provide proficient and caring Reasonably priced Lawyers for Bankruptcy without the unpleasant surprises that a lot less-expert bankruptcy attorneys may perhaps lead to.|You may Speak to us even soon after your circumstance is shut. Closed situations might in some cases must be reopened and it is sweet to understand that we are going to be there for you regardless of the.|The list of creditors, account quantities, addresses, and quantities owed need to be as total as feasible in order to avoid complications once the bankruptcy. Creditors who are not notified with the court will attempt to gather despite the bankruptcy.|Any creditors or debts not outlined within the paperwork filed With all the court are going to be exempt through the bankruptcy filing. Which means they're going to nonetheless be capable of seek recompense to your debts even after this process is finish. Make sure you involve all applicable debts and creditors when filing.|Get yourself back again on the right track. In the conclusion of the bankruptcy method, that you are discharged. You're not liable for discharged debts, and creditors can't get any motion versus you. You are actually all set to commence rebuilding your credit.|It was evident from the categories of inquiries she was inquiring that she had done her homework. This process ongoing for a few much more weeks and by then, we have been beginning to suspect that she wasn't a real debtor trying to find to file bankruptcy but alternatively, an attorney seeking to enrich her possess familiarity with bankruptcy from our gurus.|FreeProBono assisted me discover an area Professional bono attorney that thought in my lead to. I had been overwhelemed but they served me through my concerns and now I am saved!|To join updates for nearby and nationwide courtroom subjects, or to access your subscriber Tastes, you should enter your Get in touch with information and facts under.|Plan H – Co-debtors: You will need to provide the courts with the title and tackle of co-debtors that are responsible for any debts you have A part of your bankruptcy filing.|The next bankruptcy forms is going to be required regardless if you are filing Chapter 7 or thirteen (Except if otherwise indicated). It is possible to get the forms for free through the U. S. Bankruptcy Court docket website.|BAPCA is vital bankruptcy reform legislation that took influence in 2005 and however has main implications for bankruptcy currently. Take a minute to familiarize yourself with BAPCA.}
Exemptions in California are complex with two different schemes available to debtors, which are neither part of any uniform federal bankruptcy exemptions checklist.
✓ ✓ If you have to make modifications following your filing or perhaps following your discharge, we may also help. ✓ ✓ When it is time to your creditor Assembly, we provide you details to arrange you, to ensure the method is usually a breeze.
that happen to be near you. Very affordable bankruptcy attorneys are actually effortless to uncover online. Be sure to read through the Directions below for more information.
Lots of individuals tumble guiding on payments due to A short lived career decline or illness. The key issue is to have A different job or to Get better completely. But following the crisis ends, it can be quite challenging to make amends for costs also to dig out from below a pile of personal debt.
Decide if bankruptcy is the best option for yourself. Bankruptcy is not really something that you need to undertake lightly, but you ought to take into account it if you cannot repay your debts and do not foresee any shifting instances. That said, you do not have being totally broke to file. Talk to an attorney before you raid your retirement money and/or refinance your property. The choice to file for bankruptcy need to be created only as A final resort, because it arrives at a higher Value regarding your future creditworthiness. Right before filing you ought to determine whether sufficient within your debts would be discharged to create the procedure worthwhile. Usually bankruptcy filings are made by Individuals who have amassed very substantial professional medical expenditures or financial debt from charge cards, individual financial loans, or auto incidents.
Along with attorney charges, You will find a court docket price of $335 charged by U.S. Bankruptcy Court docket for Chapter seven bankruptcy. When you file a Chapter 13 bankruptcy, the courtroom payment of $310 is charged with the U.S. Bankruptcy Court docket. We're needed by law to collect that cost from you and after that fork out it for the court docket.
Await final correspondence stating your debts are discharged. In the end objections and motions are resolved, your situation will be legally processed, as well as your creditors will receive detect of one's (with any luck ,) effective bankruptcy filing. This can be no less than 61 days soon after your meeting of creditors.
Debtors ought to record all residence and liabilities in their bankruptcy schedules. If a debt is not really pointed out, it is feasible the debt will not be discharged. (Lists on the paperwork like schedules that debtors must file are set out on Type B200) The decide could also deny the discharge of all debts if a consumer does a thing tough in reference to the bankruptcy scenario, for instance destroying or obscuring residence, falsifying data, or lying.
Even though all debts are discharged, selected debts might be "reinstated" as the results of creditor strain. If a credit card debt is reinstated, it truly is no more discharged but rather proceeds underneath the identical phrases as before the bankruptcy proceedings.
Most attorneys have established charges for bankruptcy. Connect with many and question about expenses. You’ll come across some cheap bankruptcy legal professionals and several higher-Price ones. If the cost-effective bankruptcy attorneys have expertise and verified results in encouraging their clients, then they must be severely thought of. Sometimes, when you're in extreme monetary problems and cannot purchase a bankruptcy filing, the attorney may possibly supply Professional bono do the job, taking up the bankruptcy circumstance for free.
Upon getting accomplished the counseling program, your certification might be out there! You are going to acquire your certification in one of three ways:
Sense free to look through our lawful weblog and review archived articles about bankruptcy together with other legal issues that our purchasers usually check with us about. We function quite not easy to make this as affordable to suit your needs as possible whilst even now jogging a business mainly because we treatment about you!
This information will likely be used to mail notices to every of your respective creditors, informing them within your bankruptcy filing.}
Which Kind of Bankruptcy Should You Submit? Chapter 7 VERSUS 13
This chapter of the Personal bankruptcy Code normally offers for reconstruction, normally including a firm or partnership. Bankruptcy remains on your credit report for 7-10 years, depending upon which chapter of insolvency you file under. It might be time to declare insolvency if it is going to take more compared to five years for you to pay off all your financial debts. Chapter 13 bankruptcies comprise regarding 30 percent of non-business insolvency filings. Filing consumer bankruptcy with a court is the first step.
A consumer bankruptcy lawyer could clarify your alternatives and help you determine if filing personal bankruptcy is appropriate for you. Take the time to compute just how much cash you need to stay clear of bankruptcy. We are the bankruptcy lawyers you could call to aid you achieve flexibility from your financial institutions and also gain back economic security. The automatic remain" order stops lenders from attempting to collect from you during the insolvency procedure.
The brand-new consumer bankruptcy legislation calls for credit score counseling prior to bankruptcy filings anyhow so it's worth it to highly think about credit score counseling as a bankruptcy option. The American Personal Bankruptcy Institute (ABI) did a research study of PACER statistics (public court records) from 2016 and also discovered that 95.5% of the 499,909 Phase 7 insolvency cases made a decision that year were released, indicating the individual was no more lawfully called for to pay the financial debt.
A Chapter 13 consumer bankruptcy entails paying off some of your debts to have the remainder forgiven. It is necessary to recognize that while bankruptcy is a chance to begin again, it most definitely impacts your credit scores and future ability to use money. Insolvency is a legal procedure developed to put a stop to collection phone calls and wipe out financial obligation completely.
Your bank card firm will certainly choose whether you can keep your charge card after your bankruptcy. If you haven't done so at this moment, this might be where you recognize you need to locate an insolvency attorney Legal guidance is not a requirement for individuals declaring either Phase 7 or Chapter 13 personal bankruptcy, but you are taking a severe risk if you choose to represent on your own.
Filing bankruptcy might enable you to obtain a fresh financial start. A lot of individuals that declare bankruptcy select either a Phase 7 or Phase 13 situation. Your co-signer still might be legitimately bound to pay all or part of your funding when you state insolvency. Still, as a result of the long-lasting results of insolvency, some specialists believe it's most advantageous when you have more than $15,000 in debts.
Chapter 7 personal bankruptcy is a court process that is designed to erase charge card financial debt, medical debt, and various other kinds of unsecured financial obligations for individuals who could not manage to repay them. For a detailed discussion of non-bankruptcy options, take a look at Solve Your Cash Difficulties: Financial Obligation, Credit Rating & Personal Bankruptcy, by Robin Leonard and Margaret Reiter (Nolo).
The possibility of a debtor declare bankruptcy will motivate some financial institutions to agree to reduce the regular monthly repayment, develop a long-term payment strategy, or decrease the interest rate or the financial debt. For one thing, you might not recognize federal or state bankruptcy legislations or know which regulations relate to your instance, specifically concerning exactly what debts could or cannot be released.
Declare personal bankruptcy is a legal process that either lowers, reorganizes or removes your debts. Lenders might intend to avoid a debtor going into insolvency, computing that a personal bankruptcy filing will certainly minimize the quantity of the debt that will be paid back to them. Lawyers from our network could clarify which kind of insolvency will finest secure your possessions while erasing the largest amount of financial debt, so you'll understand you're choosing the appropriate course for you.
No. It's a great suggestion to do so if you can pay your bills when they're due. Nevertheless, if your debts are considerably greater than your possessions and revenue, insolvency may be your finest option. Furthermore, private borrowers that have normal earnings might seek an adjustment of debts under chapter 13 of the Bankruptcy Code A certain advantage of phase 13 is that it supplies private borrowers with a possibility to conserve their homes from repossession by allowing them to "catch up" unpaid settlements through a payment plan.
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6 Factors And Also 5 Ways To Prevent Filing Personal Bankruptcy
Depending upon the type, or "phase," of insolvency, debts are discriminated. Participating in a credit score or financial debt therapy firm's financial debt administration program is a bit like declare Phase 13 personal bankruptcy. Insolvency brings some considerable long-term penalties because it will remain on your credit rating record for 7-10 years, however there is an excellent psychological as well as emotional lift when you're offered a clean slate as well as all your debts are eliminated.
If a debtor has nothing left that is important, such as residential property or revenue, another insolvency choice is just to quit paying creditors. At, legal representatives from our network examine instances as well as identify whether declare Phase 7 insolvency, Phase 13 bankruptcy, or another financial obligation monitoring method will be best.
In Chapter 7 liquidation" bankruptcy, building gets marketed to pay off lenders for financial debt relief (although many people maintain most, otherwise all, of their assets). If Chapter 13 insolvency is your only insolvency option that you may have an asset that you might sell off to resolve your financial debts right away, there is a suitable possibility that.
Chapter 13 bankruptcy typically ranges from 3 5 years to discharge. Just 24,375 personal bankruptcy instances were filed by businesses in 2015. There are various other ways to handle lenders short of declaring personal bankruptcy. In 2015, personal bankruptcy filers owed $113 billion as well as had possessions of $77 billion, the majority of that being realty holdings, whose real value is debatable.
For more information regarding insolvency and various other debt-relief options, inquire from a local debt therapist or review the Federal Trade Payment's informational pages. The individuals as well as organisation who apply for personal bankruptcy have even more financial debts compared to cash to cover them and also don't see that altering anytime soon.
When insolvency is the just various other choice for the borrower, an additional insolvency alternative is to ask creditors to concur to a payment strategy Several creditors will consent. Our fees for pre-filing Chapter 7 bankruptcy services are just one of the most affordable in the country. If some combination of mortgage financial obligation, credit card debt, clinical expenses and also trainee financings has ravaged you economically and you don't see that image altering, insolvency may be the best response.
Though business remains to operate during insolvency procedures, the majority of the choices are made with consent from the courts. Since personal bankruptcy could have such a destructive impact on your credit rating, it's better to look for other choices prior to submitting Phase 7 or Chapter 13 insolvency. Your properties will be offered by a court-appointed insolvency trustee.
During this time around, a personal bankruptcy discharge could prevent you from obtaining new credit lines and may even trigger troubles when you make an application for jobs. The majority of the people submitting insolvency were not especially affluent. Our insolvency lawyers can assist you to check out non-bankruptcy alternatives to help you locate the debt relief option that is finest for you.
Speaking to a bankruptcy attorney could help you familiarize your choices and understand the insolvency process. If you're thinking about submitting Chapter 7 insolvency, complete our questionaire to see if you certify. As an example, you might be able to stay clear of insolvency if you market some properties, cut back on your budget, negotiate with your creditors, as well as obtain money from family and friends.
Allow your lenders know you are having financial difficulty and also intend to prevent insolvency. - and don't have the earnings to spend for it. There were 844,495 insolvency situations submitted in 2015, as well as 97% of them (819,760) were filed by people. If the debtor's "present monthly income" is more than the state median, the Personal bankruptcy Code needs application of a "indicates examination" to identify whether the chapter 7 declaring is presumptively abusive.
Finding Chapter 11 Bankruptcy Option
If you have actually been battling to obtain from financial obligation for a very long time as well as you seem like you're running out of alternatives, there could come a time when you choose to state personal bankruptcy. Most people think about insolvency just after they seek financial debt loan consolidation or financial obligation negotiation These choices could aid you get your funds back on course as well as won't negatively affect your credit score as much as an insolvency. Borrowers should be aware that there are numerous choices to personal bankruptcy, specifically if they are considering declare Phase 7 insolvency.
If a debtor has absolutely nothing left that is important, such as building or earnings, an additional personal bankruptcy option is just to stop paying lenders. At, attorneys from our network establish as well as examine situations whether filing for Phase 7 insolvency, Chapter 13 insolvency, or another financial obligation management method will certainly be best.
Sole proprietorships may also be eligible for relief under phase 13 of the Personal bankruptcy Code. If you want to release your bank card financial obligation, clinical and also energy expenses, stay clear of repossession, and evaluate the viability of financial debt management strategies or financial debt negotiation strategies, you require the aid of qualified personal bankruptcy lawyers.
Declare bankruptcy is a legal procedure that either minimizes, restructures or eliminates your financial obligations. Creditors might want to avoid a debtor entering into bankruptcy, computing that a bankruptcy filing will certainly decrease the amount of the financial obligation that will be paid back to them. Attorneys from our network could clarify which sort of insolvency will best shield your assets while erasing the biggest amount of debt, so you'll understand you're selecting the right path for you.
Due to the fact that you failed the means test for Chapter 7, you would certainly have to if you submit Phase 13 insolvency either to conserve a property or. You may be able to reduce out those nice-to-haves like cord or satellite landline, cell as well as television phones if you take a closer look at your budget plan. If you have to pick in between resolving a few financial debts or filing insolvency, work out the financial obligations, however do it right.
The Legislation Offices of Kevin Ahrenholz can assist you in submitting Chapter 7, Chapter 11, Chapter 12, and Chapter 13 insolvency. The possible silver lining with figuring out a Phase 13 is your only personal bankruptcy alternative is that you could have access to funds that could allow you to settle your financial debts swiftly. Individuals that utilized Chapter 13 personal bankruptcy, best called wage earner's bankruptcy," were about split in their success.
Throughout this time, a personal bankruptcy discharge can stop you from obtaining new credit lines as well as could also cause issues when you look for jobs. Most of the people submitting insolvency were not particularly wealthy. Our personal bankruptcy attorneys can assist you to explore non-bankruptcy options in order to help you locate the financial obligation relief remedy that is finest for you.
To get more information about bankruptcy and also various other debt-relief options, seek advice from a neighborhood credit scores therapist or review the Federal Trade Compensation's informational pages. The people and company who apply for bankruptcy have far more financial obligations than money to cover them and also don't see that changing anytime quickly.
If one of these insolvency choices conserves your credit, it's much better to take it, also if it will certainly take a little bit longer or cost a little bit more to get rid of your financial obligation. This is a much better option for the creditor compared to if the debtor has the financial obligation released in Phase 7 insolvency or positioned in a court-approved repayment plan in a Phase 13 insolvency.
In Chapter 13 consolidation" insolvency, you reach keep all of your home or business, but you pay into a three- to five-year payment strategy. Nevertheless, insolvency is still pricey, and therefore, we provide 9 different layaway plan alternatives that will fit most budget plans. Because of this, before determining if insolvency is your best course of action, it's a good idea to compare all options you need to obtain debt alleviation without personal bankruptcy.
When Consumer Bankruptcy Isn't The Very Best Financial Obligation Option
Learn how Chapter 11 insolvency works, whether you could pass the eligibility "indicates test," just what occurs to your residence as well as cars and truck in Chapter 7, which financial obligations will be released by Chapter 7 personal bankruptcy, as well as extra. A Chapter 13 personal bankruptcy includes paying back some of your financial debts to have actually the rest forgiven. It is necessary to recognize that while insolvency is a possibility to start over, it most definitely affects your credit rating and future capability to make use of money. Insolvency is a legal process developed to put a stop to collection telephone calls and also erase financial debt forever.
The possibility of a debtor declare bankruptcy will certainly encourage some financial institutions to agree to decrease the monthly payment, create a long-lasting payment strategy, or reduce the interest rate or the financial obligation. For one point, you may not comprehend federal or state bankruptcy laws or be aware which regulations apply to your situation, especially Bankruptcy Lawyer concerning just what debts can or can not be discharged.
We have the capability to help you with credit history counseling decisions and also can help you purge your financial debt lots via insolvency. Explore alternatives to Phase 7 or Phase 13 insolvency before you submit. Phase 11 is typically referred to as reorganization insolvency" due to the fact that it gives services a possibility to stay open while they restructure business' debts and assets so it can pay back lenders.
If you are battling to repay delinquent financial debts as well as being bugged by debt collection agency, a bankruptcy attorney could assist. Nonetheless, it could be possible to convert your chapter 13 right into a chapter 7 personal bankruptcy, if you are unsuccessful. Your insolvency attorney could aid you avoid repossession, stop vehicle repossession, get rid of medical costs, and discharge bank card financial obligation.
Such borrowers should consider submitting an application under chapter 11 of the Insolvency Code Under phase 11, the debtor does not prevent personal bankruptcy yet may seek a change of debts. As well as, if you do, you may be able to generate an end result that could be a lot more beneficial compared to a Phase 13 bankruptcy. We know that filing for bankruptcy can appear like a difficult process when you're overwhelmed with debt-- specifically if you're dealing with a wage garnishment, a pending suit, or a house repossession.
Filing bankruptcy can permit you to obtain a fresh financial begin. The majority of individuals who apply for bankruptcy pick either a Chapter 7 or Chapter 13 situation. When you state bankruptcy, your co-signer still might be legally bound to pay all or component of your financing. Still, as a result of the long-term results of personal bankruptcy, some specialists think it's most advantageous when you have greater than $15,000 in the red.
Your credit card firm will certainly determine whether you can keep your credit card after your bankruptcy. If you haven't done so at this point, this may be where you realize you have to discover a bankruptcy attorney Legal advice is not a need for individuals applying for either Phase 7 or Phase 13 personal bankruptcy, however you are taking a serious threat if you prefer to represent on your own.
The brand-new bankruptcy legislation requires credit report counseling before insolvency filings anyway so it deserves it to strongly think about credit rating counseling as a personal bankruptcy option. The American Bankruptcy Institute (ABI) did a research study of PACER stats (public court documents) from 2016 and discovered that 95.5% of the 499,909 Chapter 7 personal bankruptcy instances chose that year were discharged, implying the individual was not legitimately required to pay the financial obligation.
For more information regarding bankruptcy and also other debt-relief alternatives, seek advice from a neighborhood credit score counselor or review the Federal Profession Commission's educational pages. The individuals and organisation who apply for bankruptcy have much more financial obligations compared to cash to cover them and don't see that changing anytime quickly.
Throughout this time, a personal bankruptcy discharge might stop you from acquiring brand-new credit lines and also might even cause issues when you look for tasks. A lot of the people filing insolvency were not specifically rich. Our insolvency attorneys could assist you to discover non-bankruptcy choices in order to help you locate the debt alleviation solution that is ideal for you.
Consumer Bankruptcy Options And Also How It Influences Your Mortgage
Insolvency is a last resource for people and services, consisting of Gawker Media, the firm that owns this site. The Regulation Workplaces of Kevin Ahrenholz can help you in submitting Chapter 7, Chapter 11, Phase 12, and Phase 13 insolvency. The possible positive side with learning a Phase 13 is your only bankruptcy alternative is that you might have access to funds that may allow you to resolve your financial obligations quickly. Individuals who made use of Chapter 13 insolvency, best known as wage earner's bankruptcy," had to do with split in their success.
In Phase 13 consolidation" insolvency, you reach maintain all of your home, however you pay into a 3- to five-year settlement plan. However, insolvency is still expensive, as well as therefore, we provide nine different layaway plan options that will certainly fit most budget plans. Because of this, before identifying if insolvency is your finest strategy, it's wise to compare all alternatives you need to obtain debt relief without insolvency.
You would have to if you submit Chapter 11 personal bankruptcy either to save an asset or due to the fact that you stopped working the means test for Chapter 7. You could be able to cut out those nice-to-haves like cable television or satellite television, landline and cell phones if you take a closer appearance at your spending plan. If you need to choose between resolving a few financial obligations or submitting bankruptcy, work out the financial debts, but do it right.
It is not always feasible to prevent insolvency, however it makes sense to tire all choices to personal bankruptcy before applying for Chapter 7, Phase 13, or Chapter 11. This might appear a bit complex, so why refrain from doing it right the very first time? LegalZoom can connect you with a bankruptcy attorney that will aid you identify which kind of insolvency is best for you, prepare and file the essential files, as well as encourage you throughout the bankruptcy procedure.
Sole proprietorships might additionally be eligible for relief under phase 13 of the Personal bankruptcy Code. If you intend to release your charge card financial obligation, medical and energy costs, prevent foreclosure, and also examine the viability of debt management plans or financial debt negotiation strategies, you require the support of qualified bankruptcy lawyers.
Such borrowers must think about filing a petition under chapter 11 of the Bankruptcy Code Under chapter 11, the borrower does not stay clear of bankruptcy yet could seek a modification of financial debts. And also, if you do, you may have the ability to generate an end result that can be a lot more beneficial than a Chapter 13 personal bankruptcy. We know that declare personal bankruptcy could look like a difficult procedure when you're overwhelmed with debt-- specifically if you're handling a wage garnishment, a pending legal action, or a home foreclosure.
Declare bankruptcy is a lawful process that either lowers, reorganizes or eliminates your financial obligations. Financial institutions may intend to prevent a borrower entering into insolvency, calculating that a bankruptcy filing will certainly lower the quantity of the financial obligation that will certainly be paid back to them. Lawyers from our network could describe which kind of insolvency will best secure your possessions while erasing the largest amount of debt, so you'll recognize you're selecting the right course for you.
There is one significant negative aspect to filing for personal bankruptcy, however: an insolvency will remain on a debtor's credit scores document for up to ten years. When taking into consideration debt settlement vs Chapter 13 insolvency it is necessary you comprehend that there are two methods to implement financial obligation negotiation.
The possibility of a borrower declare consumer bankruptcy will motivate some lenders to consent to decrease the monthly settlement, develop a long-term settlement plan, or minimize the rates of interest or the financial obligation. For something, you might not understand government or state bankruptcy laws or know which regulations apply to your situation, particularly regarding just what debts could or can't be released.
Participating in a credit score or financial obligation therapy agency's financial obligation administration program is a bit like filing for Chapter 13 insolvency. Insolvency brings some significant long-term fines since it will certainly continue to be on your credit score record for 7-10 years, yet there is a terrific mental and psychological lift when you're offered a new beginning and also all your debts are removed.
When To File Phase 7 Or Chapter 13 Bankruptcy
Learn if Chapter 13 Bankruptcy is a far better option for you compared to Phase 7 bankruptcy. Insolvency continues to be on your credit rating report for 7-10 years, relying on which phase of personal bankruptcy you submit under. If it is going to take more than five years for you to repay all your financial obligations, it may be time to state insolvency. Phase 13 personal bankruptcies comprise about 30 percent of non-business bankruptcy filings. Declaring Personal Bankruptcy with a court is the very first step.
Our skilled group of Personal Bankruptcy attorneys give calculated legal counsel to assist develop the most effective financial debt management plan. If their financial obligations do not exceed a particular amount, people could only file for insolvency under Chapter 13. Yet working with a debt or financial obligation therapy agency has one advantage: No bankruptcy will certainly appear on your credit rating record.
The Law Offices of Kevin Ahrenholz could help you in filing Phase 7, Phase 11, Phase 12, and Chapter 13 personal bankruptcy. The possible positive side with figuring out a Chapter 13 is your only personal bankruptcy choice is that you could have access to funds that may permit you to settle your debts swiftly. Individuals who used Chapter 13 personal bankruptcy, best known as breadwinner's Reorganization," had to do with split in their success.
Chapter 7 Personal Bankruptcy is a court process that is created to erase credit card financial obligation, medical debt, and various other types of unsafe financial obligations for individuals that could no more afford to settle them. For an extensive conversation of non-bankruptcy alternatives, have a look at Solve Your Money Troubles: Financial Obligation, Credit & Bankruptcy, by Robin Leonard as well as Margaret Reiter (Nolo).
Participating in a credit history or financial debt therapy firm's financial obligation management program is a little bit like declare Chapter 13 insolvency.Bankruptcy lugs some substantial long-term charges due to the fact that it will certainly continue to be on your credit history record for 7-10 years, but there is a terrific mental and also psychological lift when you're given a clean slate and also all your debts are gotten rid of.
While bankruptcy could offer alleviation as well as a clean slate from a lot of financial debts, it is likewise taken into consideration the "financial obligation option of last hope". Our law office has actually been practicing regulation over 90 years, as well as our bankruptcy group has decades of combined experience assisting people face the monetary trials of life. Your credit scores report may not withstand dramatically a lot more damage, particularly if you regularly pay your bills after proclaiming insolvency.
If a debtor has nothing left that is important, such as residential property or earnings, another bankruptcy option is just to quit paying creditors. At, lawyers from our network establish and also evaluate situations whether filing for Chapter 7 insolvency, Phase 13 bankruptcy, or another financial debt monitoring approach will be best.
Speaking to an insolvency attorney can aid you familiarize your alternatives as well as understand the insolvency procedure. If you're thinking about filing Chapter 7 bankruptcy, total our questionaire to see if you qualify. For instance, you might have the ability to stay clear of bankruptcy if you offer some possessions, cut down on your budget plan, negotiate with your financial institutions, as well as borrow loan from friends and family.
Though business remains to operate throughout personal bankruptcy proceedings, the majority of the decisions are made with consent from the courts. Since personal bankruptcy could have such a terrible effect on your credit history, it's much better to seek other options before filing Phase 7 or Phase 13 bankruptcy. Your possessions will certainly be sold by a court-appointed personal bankruptcy trustee.
There are several sorts of bankruptcy for which people or married couples can file, one of the most common being Phase 7 and Phase 13. Chapter 7 personal bankruptcy is an opportunity to get a court judgment that launches you from duty for settling financial obligations. Within one company day of when you call or email our office, you will receive contact from our office supplying to set up a totally free, same-day bankruptcy eligibility analysis where check we examine whether you are qualified for bankruptcy, and if so, what phase of bankruptcy is finest matched for you.
Alternatives To Consumer Bankruptcy
The federal government requires all prospective filers to undergo credit score counseling before proclaiming Personal Bankruptcy. Allow your lenders recognize you are having financial difficulty as well as wish to stay clear of Reorganization. - as well as do not have the revenue to pay for it. There were 844,495 bankruptcy cases submitted in 2015, and 97% of them (819,760) were submitted by individuals. If the debtor's "current regular monthly earnings" is more than the state median, the Bankruptcy Code requires application of a "means test" to determine whether the phase 7 declaring is presumptively abusive.
We have the ability to assist you with credit report counseling decisions and can assist you purge your debt load via insolvency. Explore options to Phase 7 or Phase 13 personal bankruptcy prior to you submit. Phase 11 is usually described as reconstruction personal bankruptcy" because it offers businesses an opportunity to stay open while they reorganize business' financial obligations and also possessions so it could repay creditors.
Filing Bankruptcy could enable you to obtain a fresh economic start. Many individuals that apply for bankruptcy select either a Phase 7 or Chapter 13 instance. Your co-signer still may be lawfully bound to pay all or component of your finance when you declare Liquidation. Still, due to the long-term impacts of personal bankruptcy, some experts believe it's most helpful when you have more than $15,000 in the red.
While bankruptcy can provide alleviation and also a clean slate from many debts, it is likewise taken into consideration the "financial debt alternative of last resort". Our law practice has actually been exercising law over 90 years, and our bankruptcy group has years of combined experience assisting people encounter the economic trials of life. Your credit rating report might not sustain substantially more damages, particularly if you regularly pay your costs after declaring personal bankruptcy.
The new insolvency regulation calls for credit counseling before personal bankruptcy filings anyway so it deserves it to highly consider credit counseling as a bankruptcy option. The American Bankruptcy Institute (ABI) did a research of PACER statistics (public court records) from 2016 and also discovered that 95.5% of the 499,909 Phase 7 insolvency situations made a decision that year were released, indicating the individual was no more lawfully needed to pay the financial debt.
Another insolvency alternative is to ask financial institutions to accept a payment strategy Many creditors will consent when bankruptcy is the only various other option for the borrower. Our fees for pre-filing Chapter 7 insolvency services are one of the lowest in the country. If some mix of home mortgage debt, credit card debt, clinical costs and student car loans has actually ravaged you monetarily as well as you don't see that picture altering, bankruptcy may be the most effective answer.
Our skilled team of personal bankruptcy attorneys give critical legal advise to assist develop the most effective financial debt administration plan. If their debts do not exceed a particular quantity, people could only submit for bankruptcy under Phase 13. But dealing with a credit report or debt counseling agency has one benefit: No personal bankruptcy will appear on your credit report document.
Taking part in a credit score or financial debt therapy firm's financial debt monitoring program is a bit like filing for Chapter 13 insolvency. Personal bankruptcy brings some substantial long-term charges because it will remain on your credit scores report for 7-10 years, but there is a terrific mental and also emotional lift when you're provided a new beginning and also all your financial debts are gotten rid of.
Though business continues to run during personal bankruptcy proceedings, a lot of the decisions are made with approval from the courts. Since bankruptcy can have such a destructive result on your credit score, it's far better to look for various other options prior to filing Phase 7 or Phase 13 bankruptcy. Your properties will certainly be sold by a court-appointed bankruptcy trustee.
Insolvency is a lawful life line for individuals sinking in the red. Whether you're taking into consideration Chapter 7 bankruptcy, Chapter 11 personal bankruptcy, or Chapter 13 bankruptcy, the guidance of a knowledgeable bankruptcy attorney is advised. Debtors ought to likewise be aware that out-of-court arrangements with try this website lenders or debt therapy services could offer an alternative to a personal bankruptcy declaring.
Emergency Bankruptcy Attorney Crow Agency MT - Call 877-541-9307
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Geographical Location’s Influence on AdSense CPC Rates – Google AdSense is a widely used monetization program that allows website owners and publishers to earn revenue by displaying targeted ads on their websites.
AdSense operates on a pay-per-click (PPC) model, where publishers earn money whenever a user clicks on an ad displayed on their site. The amount earned per click is known as the Cost Per Click (CPC) rate.
Understanding the factors that influence CPC rates is essential for publishers aiming to maximize their AdSense earnings. One such significant factor is the geographical location of the website’s audience.
In this article, we will delve into how geographical location can impact AdSense CPC rates, explore the underlying reasons for these variations, and provide strategies to optimize revenue based on regional trends.
Factors Behind Geographical CPC Variations: Geographical location plays a pivotal role in determining AdSense CPC rates. Several key factors contribute to these variations:
- Supply and Demand Dynamics: Advertisers bid for ad placements based on the relevance of their ads to the target audience. In regions with high demand and limited ad inventory, competition among advertisers drives up CPC rates. Conversely, in regions with lower advertiser demand, CPC rates may be lower.
- Local Economies and Industries: The economic prosperity of a region influences the purchasing power of its residents. In affluent regions, users are more likely to make high-value transactions, attracting advertisers willing to bid more for clicks. Additionally, industries prevalent in a specific region may impact CPC rates. For example, finance-related keywords might have higher CPC rates in financial hubs.
- Cultural and Linguistic Differences: Cultural nuances and language impact keyword relevance and user behavior. Advertisers are willing to pay more for ads that resonate with the local culture and language, affecting CPC rates. For instance, keywords related to healthcare might have higher CPC rates in regions with higher healthcare awareness.
Key Regional Trends: Geographical CPC rate variations are not uniform and can vary significantly based on regions:
- North America: Known for its competitive market, North America generally sees higher CPC rates due to robust advertiser demand and a well-developed e-commerce landscape.
- Europe: Europe showcases diversity in CPC rates, with Western European countries experiencing higher rates compared to some Eastern European countries.
- Asia: While Asia has vast potential due to its large population, CPC rates can vary widely. Developed countries like Japan and South Korea typically have higher CPC rates, while developing countries may have lower rates due to a growing digital market.
- Africa and Latin America: These regions tend to have lower CPC rates due to factors like limited advertiser demand and lower purchasing power.
Understanding these regional trends is crucial for website owners aiming to optimize their AdSense revenue.
In the subsequent sections, we will explore case studies, strategies, and tools for maximizing CPC rates based on geographical location.
Case Studies: To provide a deeper understanding of how geographical location impacts AdSense CPC rates, let’s delve into a few case studies that highlight real-world scenarios.
Case Study 1: International Travel Blog A travel blog that covers destinations worldwide noticed significant variations in CPC rates based on the countries its audience originated from.
The blog found that CPC rates were notably higher for users from North America and Western Europe, where travel-related keywords attracted competitive bids.
In contrast, CPC rates were lower for users from countries in Southeast Asia and parts of Africa.
To maximize revenue, the blog strategically optimized content to cater to users from high-CPC regions and utilized geolocation targeting to display ads tailored to specific audiences.
Case Study 2: Educational Resource Website An educational website offering resources for students experienced fluctuating CPC rates across different countries.
The website observed that CPC rates were consistently higher for users from countries with a strong emphasis on education, such as the United States, Canada, and some European nations.
By identifying keywords related to exam preparation and academic resources, the website optimized its content to attract users from these regions and witnessed an increase in CPC rates.
Case Study 3: E-Commerce Store An e-commerce store selling handmade crafts noticed varying CPC rates when targeting different regions for its Google AdSense campaigns.
The store identified that users from developed countries with higher disposable incomes were more likely to make purchases, resulting in higher conversion rates and CPC rates.
By tailoring its ad campaigns to specific regions and promoting products with higher profit margins, the store optimized its CPC rates and generated better revenue.
Strategies for Optimizing Geographical CPC Rates: Understanding the influence of geographical location on CPC rates can help publishers implement effective strategies to maximize revenue:
- Geolocation Targeting: Use geolocation tools to identify the geographical location of your website visitors. Tailor ad content and formats based on the preferences and behaviors of users from specific regions.
- Keyword Research: Conduct thorough keyword research to identify high-value keywords relevant to the regions you target. Use tools like Google Keyword Planner to find keywords with higher CPC rates.
- Localized Content: Create content that resonates with the cultural preferences and language of users in different regions. Address region-specific interests and concerns to increase user engagement.
- Ad Placement and Format: Experiment with different ad placements and formats based on user behavior in specific regions. For instance, mobile users in certain regions might respond better to certain ad formats.
- A/B Testing: Implement A/B testing to compare the performance of different ad variations in specific regions. Optimize ad elements such as colors, text, and images for maximum impact.
- Regional Landing Pages: If feasible, create region-specific landing pages for ad traffic originating from different locations. This can enhance user experience and increase the likelihood of conversions.
Conclusion: Geographical location is a pivotal factor influencing AdSense CPC rates. By recognizing the impact of regional variations and employing tailored strategies, publishers can optimize their AdSense revenue.
Understanding the dynamics of supply and demand, local economies, and cultural nuances enables website owners to make informed decisions that lead to higher CPC rates and increased earnings.
As the digital landscape continues to evolve, adapting to these regional trends becomes essential for maximizing revenue potential.
Geographical Location’s Influence on AdSense CPC Rates FAQs
How does geographical location impact AdSense CPC rates?
Geographical location plays a significant role in AdSense CPC (Cost Per Click) rates.
Advertisers bid differently based on the target audience's location, affecting the value of clicks.
Are CPC rates higher in certain countries compared to others?
Yes, CPC rates can vary significantly by country.
Generally, advertisers in countries with strong economies and high consumer purchasing power tend to bid more for ads, resulting in higher CPC rates.
Which countries often have higher AdSense CPC rates?
Countries with high CPC rates include the United States, Canada, Australia, the United Kingdom, and some Western European countries due to their robust economies and competitive ad markets.
Can I target specific countries to maximize AdSense earnings?
Yes, targeting countries with higher CPC rates can potentially increase AdSense earnings.
However, it's essential to align your content with the interests and preferences of users in those countries.
How can I determine the CPC rates for different geographical locations?
You can use keyword research tools or consult AdSense reporting to understand the average CPC rates for specific countries. Keep in mind that rates can fluctuate based on industry trends.
Geographical location is a key factor in AdSense CPC rates. Advertisers bid differently based on countries, leading to varying CPC rates.
Consider targeting countries with higher CPC rates, but ensure your content resonates with the audience to maximize both ad revenue and user engagement.
- 9 Proven Ways to Increase Page CTR by 50%
- 9 Proven Ways to Increase Page RPM by 50%
- A Detailed Guide to CPC, CPA, CTR, CPM, RPM
- Top 10 High CPC Countries: Maximizing Ad Revenue in Lucrative Markets
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With a cash-out refinance, you refinance your mortgage for more than you currently owe. You take the difference in cash from your new loan and your new mortgage balance will be greater than your current mortgage.
Most of our customers who choose a cash-out refinance turn their home’s equity into money they can use however they want. It helps our customers achieve certain financial or life goals such as home renovations, paying off auto loans, major purchases, health care expenses, investments, life events, vacations, or home improvements. Cash-out refinances can also be a cash flow strategy when rates are low and markets are bull or bear.
To turn equity into cash our experts determine what you owe, what your home's value is, and the difference between those two figures.
If your home's value is: $800,000
And your balance is: $300,000
Then your equity is: $500,000
In the example above you can receive an allocation of the $500,000 in cash. And you can use that cash however you like.
Home equity loans are second mortgages that can be more risky and have a higher-interest rate. A cash-out refinance can help prevent overextending your credit utilization and pay less in interest while mortgage rates are at historical lows.
Get your free credit report and complete your application all online.
Connect with a refinance expert.
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economics
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https://dsmedia.com.sg/global-investor-programme-gip-for-foreign-individuals-who-wish-to-set-up-and-operate-a-business-in-singapore/
| 2019-10-14T10:48:54 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570986653216.3/warc/CC-MAIN-20191014101303-20191014124303-00317.warc.gz
| 0.827703 | 191 |
CC-MAIN-2019-43
|
webtext-fineweb__CC-MAIN-2019-43__0__209664083
|
en
|
As an investor who is interested to start up a business or invest in Singapore, you may apply for the Singapore Permanent Residence status (PR) through the Global Investor Programme (GIP).
Under GIP, you can choose one of the following investment options:
Option A: Invest at least S$2.5 million in a new business entity or to expand an existing business operation.
Option B: Invest at least S$2.5 million in a GIP fund that invests in Singapore based companies.
ELIGIBILITY FOR GIP APPLICATION
You are eligible to apply for PR under the GIP if you have:
(a) A substantial business track record; and
(b) A successful entrepreneurial background.
For more details
Should you have further questions, please contact:
250 North Bridge Road #28-00 Raffles City Tower Singapore 179101
Tel: (65) 6832 6832
|
economics
|
http://extractorman.com/?page_id=18
| 2022-06-25T17:29:48 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103036077.8/warc/CC-MAIN-20220625160220-20220625190220-00451.warc.gz
| 0.952571 | 266 |
CC-MAIN-2022-27
|
webtext-fineweb__CC-MAIN-2022-27__0__108089834
|
en
|
Ascott Cooper was registered as an investment company to invest in Property and other assets, the company was setup by Alan Hodgkinson and Lizelle Cooper.
Ascott Cooper took over the operation of Extractor Man and has registered the Company with Department of Labour for UIF and Workmen s Compensation we also have Public Liability and insurance covering all aspects of our daily operation.
We are a SANS (South African National Standards) registered and a BEE Level 4 company and all our documents are available on request including TAX Certificates.
Please feel free to request any of the following documents:
- BEE Status Certificate
- SARS Letter of Good Standing
- Public Liability
- Workmen Compensation Fund
- VAT Registration
We have been servicing the Hospitality industry for more than 30 years and have a very extensive customer base that includes all the major companies in the industry.
Because we are SANS registered our customers are guaranteed a valid service certificate that is recognized by the insurance industry.
We have developed and now manufacture a UV Light Duct system that has substantial benefits to Extractor Systems with regards to health and safety and the performance of the equipment.
We also offer a complete Engineered fire suppression system for Commercial Kitchens and other areas at risk for grease based fires.
|
economics
|
http://www.dogmovers.com.au/bookings/Payment%20Options.html
| 2013-06-20T04:25:00 |
s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368710274484/warc/CC-MAIN-20130516131754-00007-ip-10-60-113-184.ec2.internal.warc.gz
| 0.920081 | 579 |
CC-MAIN-2013-20
|
webtext-fineweb__CC-MAIN-2013-20__0__19465176
|
en
|
Call our Customer Service team on
(07) 5530 2710
or Email us at
Internet Puppy scams
We are aware that our logo and name (along with those of other companies) have been used in a puppy delivery scam. People are being asked for money for the transport of dogs as well as vaccination costs etc prior to the delivery of dogs they have been promised over the internet. How do you tell the real thing?
We have a number of convenient options to make it simple for you to pay for your pet transport fees. The primary payment methods accepted are credit card, direct bank transfer or cash when your pet is collected. (cheques will not be accepted)
The available options will be discussed with you when your booking is confirmed and if necessary an email or SMS will be sent to you with any details you may need to complete a Credit card or bank transfer payment. For your convenience those details are also shown below.
Credit Card Payments
Credit card payments will require you to make the payment online using PayPal.
Payment via paypal is more secure for you because it does not require us to collect or record any personal or credit card details on your behalf. Additionally you will receive confirmation by email of the payment details.
Paypal credit card payments do not require you to have a paypal account and there are no additional fees charged.
If you do have a paypal account you may also use this option to pay by bank transfer or using your paypal balance if you wish.
Direct bank Transfer Payments
To pay directly from your cheque or savings account log onto your internet banking site and make your payment to the following account.
Acc Name: Dogmovers
A/C No: 100 725 94
Please note that Bank
transfers can take up to 48 hours from your bank to ours and the payment
must be able to be checked by us online prior to us picking up your pet.
If the timeframe is too short we recommend simply paying cash to the
driver when the pet is collected to save any confusion.
Cash deposits at a Bank Branch
In some instances it may be necessary for cash to be deposited directly to the bank. This happens often when the person paying is a third party (neither dropping off or collecting the pet from us) or does not have access to internet banking or a credit card. In this case the funds can be deposited directly to our Commonwealth bank account. The details are as follows.
Acc Name: Dogmovers
100 725 94
Please ensure your payment is in our account before the
Please use your surname as a reference to enable us to correctly record
your payment against your invoice
Please contact us by email or phone if you have any problems with the above or require any further information.
Phone: (07) 5530 2710
|
economics
|
http://www.mordheimer.com/hired_swords/hired_swords.htm
| 2013-05-24T05:55:53 |
s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368704234586/warc/CC-MAIN-20130516113714-00024-ip-10-60-113-184.ec2.internal.warc.gz
| 0.95315 | 433 |
CC-MAIN-2013-20
|
webtext-fineweb__CC-MAIN-2013-20__0__70529016
|
en
|
Hired Swords are professional mercenaries that warbands may hire to join them
in their quest into The City of the Damned, Mordheim. Taverns in the settlements
and shanty towns around Mordheim are good recruitment centers for warriors who
do not belong to any particular warband or retinue, but instead hire out their
services to the highest bidder.
A player can recruit Hired Swords when he creates his warband, or during the
campaign phase after a game. Hired Swords do not count towards the maximum
number of warriors or Heroes a warband may have on its roster and donít affect
your income from selling wyrdstone. However, Hired Swords do count as part of
the warband for purposes of Rout tests, etc whilst in battle. A player cannot
buy extra weapons or equipment for a Hired Sword, and he cannot sell the Hired
Swordís weapons or equipment. To reflect their rarity, you can only have one of
each type of Hired Sword in your warband. You may not use the Leadership of any
of the Hired Swords for Rout tests.
When a warband recruits a Hired Sword, you must pay his hire fee.
Subsequently, after each battle he fights, including the first, you must pay his
upkeep fee if you want him to remain with the warband. If the Hired Sword is
killed, or you no longer require his services, you donít have to pay any upkeep!
These costs are indicated in the entries for each Hired Sword. The money paid to
Hired Swords comes from the warbandís treasury in the same way as buying new
weapons or recruiting new warriors. If you donít have enough gold to pay for the
Hired Sword, or want to spend it on other things, he leaves the warband. Any
experience he has gained will be lost, even if you hire a new Henchman of the
The following is a list of the Official Hired Swords. For further details,
stats and comments follow each link.
|
economics
|
https://retailsmarter.com/2023-wbenc-national-conference/
| 2024-04-17T15:35:33 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817158.8/warc/CC-MAIN-20240417142102-20240417172102-00351.warc.gz
| 0.943671 | 771 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__45683299
|
en
|
As a certified woman-owned business, Retail Smarter regularly attends the annual WBENC National Conference — the largest event of its kind for women business owners and corporate executives. WBENC is rightfully proud of the conference, which boasts some impressive stats:
The “WBENC Meet & Greet” included more than 1,200 Women Business Enterprises (WBEs) connecting with 200+ corporations in a series of 25-minute sessions with companies chosen by the WBE. We were honored to connect with major retailers, like Target, Home Depot, Walmart, and others — and to showcase Latina-owned Rivera’s Salsa with a special product display!
Why we support the WBENC
We love supporting organizations like WBENC because of the genuine support of women and diverse owned businesses, including year-round education, networking, and resources designed to help WBEs achieve excellence in operations and best business practices. That mission aligns perfectly with the Retail Smarter passion for helping brands succeed at retail.
We’re grateful for the many retailers that support WBENC and women owned businesses. But we understand that taking a risk with new products or new brands is risky, despite the best of intentions. So, we help our clients polish their brand messaging, enhance their CPG packaging, fine tune their retail sales presentations, and optimize their supply chain so that retailers will be confident the brand can succeed — from the very first meeting.
How to become a WBENC-certified WBE
If you qualify, we recommend getting WBENC certified. It’s a longer application, and there’s a detailed verification process, but the benefits are worth it — especially when presenting to major U.S. retailers, who highly value the women-owned certification.
You can review the eligibility requirements at WBENC.org, but here they are in a nutshell:
- Majority (at least 51%) ownership by one or more women
- Demonstrated proof of female management and control of business
- Unrestricted female control of the business in legal documents and day-to-day operations
- A woman holding the highest defined title in the company’s legal documents
- Documented evidence of female contribution of capital and/or industry expertise
- Status of U.S. Citizenship or Lawful Permanent Resident for woman owner(s) constituting majority ownership
Eligibility is established with required documentation. This includes things like general business information, owner eligibility, financial structure, personnel and management information, and governance information. Once gathered, you’ll submit documentation via the online application on WBENCLink2.0 and pay the application fee.
Regional Partner Review
WBENC will then authorize an on-site audit and review of your business by your Regional Partner Organization (RPO), which is the local affiliate of WBENC that serves your area. The RPO will check your application for completeness, review your documentation with a Certification Committee, and arrange a site visit with the woman or women owners. The review process takes approximately 90 days.
As a WBENC-Certified WBE, you will have access to a wide range of benefits, such as targeted business opportunities, increased visibility, education and development programs, networking and mentorship opportunities, and more. You will also need to renew your certification every year by submitting an online recertification application and paying a recertification fee.
We can help.
As a WBENC-certified business and team of retail experts, we have a lot of experience helping businesses become certified, and getting retailers to take notice. If you’d like help, let’s talk. We offer services by the hour, by the project, or month-to-month.
|
economics
|
https://officialscheme.com/rcs-udan-scheme/
| 2022-06-29T03:44:48 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103620968.33/warc/CC-MAIN-20220629024217-20220629054217-00032.warc.gz
| 0.942996 | 1,301 |
CC-MAIN-2022-27
|
webtext-fineweb__CC-MAIN-2022-27__0__92282675
|
en
|
The Ministry of Civil Aviation announced UDAN “ude desh ka aam nagrik” a Regional Connectivity Scheme (RCS) through National Civil Aviation Policy 2016 (NCAP). The initiative was taken to make aviation facilities more accessible, give better flying experience to passengers and improve connectivity in rural and remote areas by developing air transport infrastructure. In the first phase of the regional connectivity program, the Airports Authority of India (AAI) planned to connect 22 airports. RCS intends to connects these underdeveloped airports through flights that would cost up to Rs. 2,500. AAI planned to invest Rs. 17,500 crores till 2019-20.
Regional Connectivity Scheme Latest Updates
- The Ministry of Civil Aviation has set a goal of operating hundred unserved and underserved airports and launching at least 100 new air routes by the end of the year.
- On the fourth anniversary of the UDAN scheme, the ministry of Civil Aviation observed aviation day. Government of India has recognized the contributions of the scheme by designating October 21st as UDAN day, the day on which scheme documents were initially released.
- Under the fourth round of UDAN scheme the Civil Aviation Ministry has approved seventy-eight new routes and 766 new routes have been approved so far under the scheme.
- The scheme has made modest progress in implementation with only half of the routes being operationalized due to second wave of pandemic which began in mid-march 2021.
- Also the second wave of pandemic will have a greater impact on UDAN system in future, with aviation being one of the worst affected sectors.
Udaan Scheme Objectives
- To develop 425 underserved airports of the country.
- To enhance the overall economy of the country through better connectivity.
- To raise jobs through aviation industry.
- To increase connectivity in order to stimulate growth through a multiplier effect.
Regional Connectivity Scheme Features
- Making Aviation accessible to common folks.
- Facilities as subsidized price
- Regional Connectivity
- Increasing Job Opportunity through connectivity
- No Terminal Navigation Landing Charges
- Discount on other charges like route navigation, parking and many more.
- Reduction in GST for 10 years
Phases of Udaan Scheme
The aim of AAI (Airport authority of India) was to run hundreds of routes from at least 100 regional airports by the end of year 2018-19. The scheme underwent many changes of upgradation through various phases, let’s have a brief look over phase wise development in UDAN.
Owners like Central government, State government, Private and Commercial Parties Collaborated with AAI
The scheme was Launched on April 27, 2017 by Prime minister Narendra Modi starting first regional flight system from Himachal Pradesh (Shimla) to Delhi. Under the first phase 5 Airlines were added given below and 128 flight roots were sanctioned to them along with 70 airports.
- Air Odisha
- Air Deccan
- Turbo Mega Airways
- Alliance Air
- Spice Jet
- 325 Routes were announced in the Second Phase in 2018
- In 2018 Council imposed 5% GST, which had previously been exempted on purchase of aircraft and aircraft parts.
- Airlines like Indigo and SpiceJet joined the scheme wherein Spicejet won 17 routes under RCS and Indigo ordered 50-70 seater aircrafts to be able to serve smaller airports.
- 73 networks and 235 routes were identified
- Routes connecting hilly areas like J&K, Himachal and Uttarakhand were found.
- Tourism routes were included at phase 3 in collaboration with the Ministry of Tourism.
- The third stage was intended to include direct lines financed by the Ministry of Development of the North Eastern Parts of India as well as thirty tourist attractions.
- Addition of 78 flight routes and a total of 766 sanctioned routes
- Connectivity of routes from Guwahati to Tezu, Rupsi Shillong etc.
- Lakshadweep Island had also been connected v.i.a. new routes
- Allowed operation of Helicopter and sea planes
- Planned to follow short haul routes, because no monetary support will be given to airlines operating more than 600 km.
How To Apply For Udan Scheme?
UDAN has collaborated with many private airlines thus for booking your ticket there are these steps:-,
Step 1: Firstly, you can visit the company’s official website (for example – www.goindigo.com)
Step 2: From the Menu Option Search for UDAN Scheme Bookings the website will assist you to fare costs of scheme. Through the second way you can browse any online travel agency (for example – Goibibo or Makemytrip), and avail offers and tickets for just Rs. 2500.
What Are The Concessions For Operators?
- The central government offers 2% excise on Value Added Tax and one tenth rate of service tax as well as moderate code sharing for regional connectivity scheme airports.
- The scheme will run for ten years and would be further extended as per requirements and working
- No landing or parking charges
- Viability Gap funding (VGF) to cover the cost of flight
International UDAN Scheme
International UDAN is a follow – up to the domestic UDAN. The goal of international UDAN is to connect India’s smaller cities directly to some of the neighbouring most important foreign destinations.
- The government hoped that providing direct air connectivity would encourage tourists to travel through smaller towns rather than metros, promoting city and state development.
- Airlines must bid on the number of passenger seats per trip that require assistance.
- The government provides subsidies in the form of a predetermined compensation per seat to encourage participation.
Challenges Faced During Implementation
- Some states during implementation were hesitant to give up tax breaks on air turbine fuel and other financial incentives which could entice other airlines to operate in underdeveloped areas of state.
- Land scarcity for setting up airport in small regions and requirement of huge capital are two main problems faced in implementation of UDAN.
- Airlines fear to invest in such a scheme as passenger flow would be minimal from the rural or less developed areas as compared to the investment required to make by any airlines.
|
economics
|
http://www.wq711.com/English/news/qinzhounews/201908/t20190822_2626437.html
| 2019-11-22T01:59:36 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-47/segments/1573496671106.83/warc/CC-MAIN-20191122014756-20191122042756-00127.warc.gz
| 0.947755 | 262 |
CC-MAIN-2019-47
|
webtext-fineweb__CC-MAIN-2019-47__0__27197463
|
en
|
Posted by: Release time:2019-08-15
Recently, Liu Renshan, Standing Committee of the CPC Qinzhou Municipal Committee and Vice Mayor met with Azlimi, Malaysian Consul General in Nanning. Liu Renshan sincerely welcomed Azlimi's visit and briefly introduced the economic and social development of Qinzhou. He said that Qinzhou, as an important node city of the "Belt and Road" new land and sea corridor in western China, has actively participated in the construction of the new corridor, and it has prominent advantages in ports, corridors, resources, hinterland and many other aspects. It is hoped that the Consul General will continue to promote exchanges in various fields between Malaysian local cities and Qinzhou, and promote in-depth, win-win cooperation in culture and trade between the two sides.
Azlimi said that Qinzhou has obvious geographical advantages and Malaysia has benefited from it. He hoped that the two sides will continue their good tradition of cooperation, continue to promote the construction of “Two Countries, Twin Parks” and further expand economic and trade cooperation and cultural exchanges. During his stay in Qinzhou, Azlimi also visited the China-Malaysia Qinzhou Industrial Park and Qinzhou Free Trade Port Area on the spot.
|
economics
|
http://northparadise.com.pk/tourism-responsibility
| 2019-12-15T18:30:56 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-51/segments/1575541309137.92/warc/CC-MAIN-20191215173718-20191215201718-00052.warc.gz
| 0.921396 | 532 |
CC-MAIN-2019-51
|
webtext-fineweb__CC-MAIN-2019-51__0__186491990
|
en
|
What is Responsible Tourism in Pakistan?
Responsible Tourism in Pakistan is a new way of management of tourism which aimed to mix economic, social and environment benefits and minimizing costs to destinations. Simply Responsible Tourism is tourism “which creates better places for people to live in, and better places to visit”. It approaches an aims to achieve the triple-bottom line outcomes of sustainable development which includes economic growth, environmental integrity and social justice.
North Paradise Pakistan as Responsible Tour and Travel Agency:
North Paradise Pakistan has grown as a fully dedicated travel professional since its launch running actively by the trained and professional personals in tourism industry to offer best out of all. North Paradise Pakistan is committed to upholding the values of eco-tourism and responsible travel.
North Paradise Pakistan believed in tourism industry to make a low impact on the natural environment and local culture and helping to generate income and employment for local people. Moreover, we promote the conservation goal of local ecosystems in aspect of both ecological and cultural sensitive. Involving the local people’s participation plays major role in sustainable tourism and takes responsibility in tourism industry.
Responsible Tourism Policy:
1). We promote trips that are offered by local suppliers and communities.
2). We ensure that the returns from the trips featured in our website are generated back to the host communities through services such as guide, accommodation and transportation.
3). We ensure that local guides are being engaged to provide better interpretative experiences.
4). We involve local communities where possible in our operations.
5). We purchase, where possible, local products.
1). We will actively promote and raise awareness of responsible tourism and travel practices among travellers through our website, literature and presentations.
2). Travellers who booked through our website will receive information on the destination prior to their trips, so to understand and respect the culture and environment of the host destination.
3). We provide our staff with regular and ongoing training, in the principles and practices of responsible tourism to ensure that the policy is put into practice.
4). We will take into consideration economic, environmental and social issues when looking at new product and destinations.
5). We will work together with our local partners in the host destinations to implement the responsible tourism guidelines and work out how these standards can be met.
6). We support local projects that are related to environmental conservation and local community development.
7). We buy souvenirs and handicrafts from local communities for our online store and corporate gifts.
North Paradise Pakistan assures that we are fully dedicated to fulfill economic, environment and social responsibility in Tourism Industry.
|
economics
|
http://gov-acq.com/2016/03/15/
| 2020-08-03T12:33:39 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-34/segments/1596439735810.18/warc/CC-MAIN-20200803111838-20200803141838-00262.warc.gz
| 0.920811 | 716 |
CC-MAIN-2020-34
|
webtext-fineweb__CC-MAIN-2020-34__0__7825323
|
en
|
Cincinnati, OH – March 15, 2016 – Government Acquisitions, Inc. (GAI), a leading Federal Information Technology (IT) solutions provider and small business, today announced it has received the 2016 Splunk® Public Sector Buttercup Award for exceptional performance and commitment to Splunk’s Partner+ Program. The Buttercup award recognizes a Splunk partner that exemplifies partnership and a commitment to the Splunk Partner+ Program. This award, not given each year, is highly distinguished and symbolic of Splunk’s core company and partner values.
“We are honored to be the recipient of the highly esteemed 2016 Splunk Public Sector Buttercup award,” said Jay Lambke, president, GAI. “Splunk is the clear market leader and therefore the cornerstone of our analytics strategy. To that end, GAI has made significant investments in the resources and products critical to the Splunk ecosystem. This award recognizes the hard work and success we have had with Splunk over the past year. We are excited to see how we can further the partnership in 2016.”
GAI is a Splunk Elite Partner, the highest partner tier within the Splunk Partner+ Program, and is in an esteemed group of only eight companies nationwide with Elite status. GAI has four Splunk Certified Engineers on staff and 14 certifications company-wide. Splunk is a key partner in GAI’s go to market strategy for big data, cyber security, compliance, and IT operations and they continue to invest and offer solutions to complex problems facing the Government.
“Congratulations to GAI for being named the 2016 Splunk Public Sector Buttercup award winner,” said Dave Schwartz, area vice president, global strategic alliances, Splunk. “The Partner+ Program promotes growth and allows our joint customers to achieve productivity, profitability, security and a competitive edge. The Global Partner Awards highlight outstanding partners like GAI for their commitment to customer success and their close collaboration with Splunk.”
Splunk global partner awards reflect the top-performing partners globally within specific technology markets. All award recipients were selected by a group of Splunk executives and the global partner organization.
GAI is a Federal IT solutions provider with more than 25 years of dedication to Federal mission success, and a performance culture to power real innovation. A mission mindset is in our DNA. We understand that success is driven by partnership, process, and technology. GAI’s experienced team members work side-by-side with Federal IT executives and industry-leading OEM partners to modernize, optimize, and deliver unparalleled mission support. To learn more, visit www.gov-acq.com or call (513) 721-8700.
About Splunk Inc.
Splunk Inc. (NASDAQ: SPLK) is the market-leading platform that powers Operational Intelligence. We pioneer innovative, disruptive solutions that make machine data accessible, usable and valuable to everyone. More than 11,000 customers in over 110 countries use Splunk software and cloud services to make business, government and education more efficient, secure and profitable. Join hundreds of thousands of passionate users by trying Splunk solutions for free: http://www.splunk.com/free-trials.
Splunk>, Listen to Your Data, The Engine for Machine Data, Hunk, Splunk Cloud, Splunk Light, SPL and Splunk MINT are trademarks and registered trademarks of Splunk Inc. in the United States and other countries.
|
economics
|
http://blog.longdistance-vanlines.com/compare-moving-companies-estimate-before-hiring-one-for-your-move/
| 2018-06-19T23:41:33 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-26/segments/1529267863259.12/warc/CC-MAIN-20180619232009-20180620012009-00472.warc.gz
| 0.964599 | 454 |
CC-MAIN-2018-26
|
webtext-fineweb__CC-MAIN-2018-26__0__137867556
|
en
|
Moving places is expensive as you need to hire the services of the best movers in order to enjoy a hassle free move. However, to have an estimated cost of moving you can use the moving companies estimate calculator that helps in determining the moving expenses so that you can set aside a budget for moving places. The calculator requires details like moving from location and then moving to the destination in order to calculate the moving distance and also the moving size and the packing services required to offer you an estimate on the moving costs.Some movers also require the move date as moving costs may be increased in the weekends due to high demand while discounts are offered in the week days. The estimate cost of moving may vary from company to company and hence before hiring the services of the movers you can actually check out their moving estimates to compare and find one suitable to your needs.
The moving companies estimates differ based on the packing services availed. If you choose none of the packing services you are responsible to pack all the goods and load them into the vehicles while the moving company takes care of the transportation services. But the catch is they are not responsible for any damages as the packing is done by you. The full moving services include the moving company’s expert team to handle all the packing and unpacking of the things bringing in their own packing supplies and also loading and unloading the goods and assembling them in the new place. This service relieves you from the moving stress or hassles and is recommended when you don’t have the experience in handling moving places.
However, you should not go by cheap moving company estimates and should do some research regarding the reliability of the company to handle your move. You should check out if the moving company has a physical address and handles the move without subcontracting to the third party. You should also rely only the moving companies that take the time to physically visit your home to estimate your belongings and offer you a fixed quote without any more hidden charges. It is also better to avail the services of moving companies that are rated by BBB and registered with FMCSA for better services. You should also ensure the move is covered under the insurance by the company so that any damages to your goods shall be compensated by the moving company.
|
economics
|
http://myprojectfree.org/executive-summary/
| 2019-04-18T16:30:14 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-18/segments/1555578517745.15/warc/CC-MAIN-20190418161426-20190418183426-00319.warc.gz
| 0.949257 | 1,617 |
CC-MAIN-2019-18
|
webtext-fineweb__CC-MAIN-2019-18__0__3945411
|
en
|
Picture a Village with mixed residential, retail, entertainment and public space; a Village that attracts local residents and tourists alike because of its inviting design and appealing shops and activities. Picture a community center, an academy, excellent places to eat, meet and have fun. This is Freedom Village!
ProjectFREE will implement a new concept of supportive and community living for intellectually and developmentally disabled adults called Freedom Village that will enhance quality of life through independent living, continuing education, vocational/career development, diverse employment choices, and a safe, self-directed, social life.
Freedom Village will include:
1. A home ownership program
2. A long-term lease/rental program
3. Post – Secondary Trade School/Academy with dorms
4. Retail space for integrated employment
5. Conference / Resource Community Center
6. Offices for Non – Profit Agencies
The residents of Freedom Village will live, work, and play in a milieu that bolsters every individual’s opportunity for a satisfying and connected life; ProjectFREE’s goal is to make these opportunities available to high functioning adults with intellectual and developmental disabilities who have the ability and the desire to be active in planning, directing, and enriching their own lives. The shops, restaurants, and entertainment centers will be self- sustaining businesses. The condos will be state of the art, affordable housing with a mix of owner and renter occupied units. Freedom Village will be on a central artery within walking distance of lively commercial districts and direct access to public transportation and the world beyond.
ProjectFREE will use a Supportive Housing Model as its basis. There is evidence to indicate that a lack of stable housing for individuals with intellectual and developmental disabilities significantly increase costly interventions in their lives by public agencies (Connecticut Department of Developmental Services). This model builds on a proven and effective means of integrating adults with intellectual and developmental disabilities into mainstream communities by combining affordable housing with services tailored to each individual’s needs. Freedom Village’s supportive, affordable, and permanent housing community will provide opportunities for occupants to have control over their lives and the support to participate in the decisions affecting their community and the larger society. Each individual’s independent living environment will be supported by a program of services including education, employment, and social integration. These services focus on identifying and building on individual strengths, skills and talents so that every person can compete in, and contribute to, their community and society at large.
ProjectFREE will offer Career Development Centers as part of its services. The goal of this innovative component is to offer both first-time job seekers and veteran employees the opportunity to choose their employment and not be placed in jobs. The National Organization on Disability based in Washington, D.C., estimates that about 54 million Americans, 19 percent of the population, have some disability. In a survey completed by this organization, only 16% of those individuals with intellectual and developmental disabilities who said they were capable of work were able to find part or full-time employment. High rates of joblessness means the American economy loses about $200 billion in taxes and earnings annually, according to the American Association of People with Disabilities in Washington, D.C.
ProjectFREE’s Innovative Career Centers takes vocational training and employment for individuals with intellectual and developmental disabilities to a new and advanced level. The mixed use of self-sustaining businesses and residences will contribute to the vibrancy of neighborhood life and further the goal of integration and independence. Freedom Village occupants will be able to: explore employment choices; develop entrepreneurial skills; and build on peer and social interactions. A unique element of Freedom Village is the opportunity for both first time employment seekers and experienced employees to explore diverse career options in a variety of skilled, wage earning positions. The development of thousands of square feet for commercial use provides the perfect setting for occupants to experience vocational training, career development, including management, and entrepreneurial skills in on-site, commercial, profit -making enterprises. Each person will then make their own career and employment choices. Specialists will help to develop goals, skills and the ability to attain satisfying, competitive employment. Freedom Village will open 40 businesses’ providing choice and a classified employment section for them. This is freedom, this is Freedom Village. No longer will they be placed in meaningless jobs and they will be paid minimum wage during training and will receive scheduled raises.
Freedom Academy: In an ideal world, young adults spend transition, developmental time in a “cocoon” called college. This environment offers a semi-structured world of learning and fun where they feel comfortable taking risks. Freedom Academy will create this same type of environment for young intellectually and developmentally challenged individuals. The Academy will be located in Freedom Village in a freestanding structure that will include dormitory living. Students will study a core independent living curriculum and be offered the opportunity to pursue Trade Certifications as well as basic liberal arts courses. By combining education with hands on work experiences, Freedom Academy students will be able to confidently apply their knowledge in a practical manner. The use of structured support and employment training available to both the Freedom Academy students and to the Freedom Village larger community will strengthen the positive experiences of learning and work, and facilitate the attainment of employment and educational goals. The Academy will include state of the art classrooms, a resource library, and a computer laboratory to assist students in attaining their educational and vocational goals skills. Freedom Academy will individualize each student’s educational process and offer structured courses to address their ongoing academic and vocational needs. To further aid in the process of socialization, social events, such as clubs, dances, game nights and discussion groups will also be establish and open to the community at large.
ProjectFREE’s goal is to acquire property to construct Freedom Village. The building/s will be developed in a community setting comprised of one and two bedroom condominium units. Accessible housing, which will be on the second and third floors, will include condominiums owned by ProjectFREE and rented or owned by residents of Freedom Village. A percentage of the housing will be utilized to house support staff. The commercial space will span the ground floors of the development.
ProjectFREE is a 501 (c) (3) entity. It is seeking funding through both public and private sources. The principals involved in ProjectFREE are actively seeking United States Department of Housing and Urban Development (HUD) Section 811 funding; state, and local funding, as well as support from both private investors and corporate donors. The financial plan allows for three building phases which will be adapted according to the funds secured.
The total estimated cost of 250 supportive housing units with associated commercial and community space is twenty – five million dollars ($25,000,000.). The completed village will consist of attached three story town house style structure (s) including the 250 condominium units, fourteen of which would be section 811 HUD financed. The units will be 1 and 2 bedroom with 650 – 850 square feet of living space. Free standing structures will include Freedom Academy and a Conference Center, with an auditorium/gym, meeting/activity rooms, offices for non – profit agencies, and a kitchen.
Freedom Village is a unique supported housing development that will offer intellectually and developmentally challenged adults who have the ability and the passion to live independently; a life that encompasses career and employment choices; a relevant continuing education curriculum that includes both academic and trade certification; and a connected integrated quality of life beyond the 9 to 5 work day.
It takes the critical mass of Freedom Village to provide the totality of springboard resources to launch and integrate each individual into an independent life beyond the boundaries of its safe, skill-building, supportive community. There is no way that independent living in isolated units or in a small number of supported units within a larger development can provide the opportunities, choices, community involvement, secure future and overall life enrichment that residents of Freedom Village will experience.
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economics
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https://1040taxbiz.com/the-untapped-potential-why-you-should-start-a-tax-office/
| 2024-04-14T00:36:00 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816863.40/warc/CC-MAIN-20240414002233-20240414032233-00217.warc.gz
| 0.939024 | 753 |
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|
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|
Are you seeking a rewarding venture that not only provides financial stability but also allows you to make a meaningful impact in your community? Look no further than starting a tax business. In today’s dynamic economic landscape, the demand for tax services continues to soar, presenting a lucrative opportunity for aspiring entrepreneurs. Here, we delve into the compelling benefits of embarking on this journey and why launching your own tax office could be the key to unlocking success.
1. Financial Independence and Stability
One of the foremost advantages of venturing into the realm of entrepreneurship is the potential for financial independence. Starting a tax office offers a pathway to building a sustainable income stream, as tax preparation is a recurring necessity for individuals and businesses alike. By establishing your own tax business, you gain control over your earning potential, allowing you to set your rates and scale your services according to market demand. Moreover, as tax regulations evolve, so does the need for expert guidance, ensuring a steady flow of clientele year after year.
2. Fulfilling Entrepreneurial Vision
For those with an entrepreneurial spirit, the decision to start a tax office can be deeply fulfilling. It presents an opportunity to turn a passion for numbers and financial literacy into a thriving enterprise. Whether you’re a seasoned tax professional or someone looking to explore a new career path, launching your own tax business allows you to take charge of your professional destiny. You have the freedom to design your services, cultivate your brand identity, and create a work environment that aligns with your values and aspirations.
3. Serving Your Community’s Needs
In the realm of taxation, knowledge is power, and many individuals and businesses lack the expertise needed to navigate complex tax laws effectively. By starting a tax office, you become a trusted resource within your community, providing invaluable assistance to clients seeking to fulfill their tax obligations accurately and efficiently. Whether it’s helping small businesses optimize their deductions or guiding individuals through the intricacies of filing their returns, your tax office becomes a beacon of support, easing the burden of tax compliance for those you serve.
4. Flexibility and Work-Life Balance
One of the defining features of entrepreneurship is the flexibility it affords. When you start a tax office, you’re not just creating a job; you’re crafting a lifestyle that prioritizes autonomy and work-life balance. As the owner of your business, you have the flexibility to set your own schedule, allowing you to allocate time for personal pursuits, family commitments, and leisure activities. Whether you prefer a traditional office setup or embrace remote work options, the freedom to structure your workday according to your preferences is a priceless benefit of entrepreneurship.
5. Growth and Expansion Opportunities
The decision to start a tax office is not just a single venture; it’s the beginning of a journey filled with growth opportunities. As your reputation grows and your client base expands, you have the potential to diversify your services, offering additional financial planning, accounting, or consulting services to meet evolving client needs. Furthermore, with advancements in technology and digital marketing, you can leverage online platforms to reach a broader audience and expand your business beyond local boundaries. The possibilities for growth and expansion are limited only by your imagination and entrepreneurial drive.
In conclusion, the decision to start a tax office represents a gateway to a world of opportunity and fulfillment. By embarking on this entrepreneurial journey, you not only gain financial independence and flexibility but also have the chance to make a tangible difference in the lives of those you serve. So, if you’re ready to take the plunge into entrepreneurship, consider the immense benefits that come with starting a tax business. Your future success awaits – seize it today!
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economics
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https://www.studentenwerk-muenchen.de/en/news/news-informationen/solidarbeitrag-bleibt-bestehen/
| 2023-02-06T22:44:10 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764500365.52/warc/CC-MAIN-20230206212647-20230207002647-00779.warc.gz
| 0.962235 | 214 |
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|
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|
en
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The semester ticket’s originally planned discontinuation has been postponed due to the fact that by the end of January 2023 it was not yet clear from when exactly the “Deutschlandticket” will be valid. For this reason, the semester ticket will also be available in the summer semester 2023. That will ensure that you are able to use public transport at a reduced price even before the Deutschlandticket is introduced.
We therefore ask all our students to pay the solidarity fee as requested with their university, as in previous years. Your university will inform you in time, as usual.
We recommend you to think carefully about whether or not and when you need to buy the IsarCard Semester, as it is not possible so far to have it exchanged for a Deutschlandticket. We are, however, along with the AK Mobilität of the Munich student representations, doing our best to make it possible for students to offset the IsarCard Semester as well as the solidarity fee against the Deutschlandticket.
|
economics
|
https://presspasslatino.com/world-cup-brazil-expensive/
| 2018-11-14T03:38:27 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-47/segments/1542039741578.24/warc/CC-MAIN-20181114020650-20181114042650-00334.warc.gz
| 0.970539 | 518 |
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|
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en
|
After all is said and done, the last pieces of the stadiums are put into place and the last road has been built, the World Cup in Brazil will be the most expensive World Cup to date.
The Brazilian government estimates they will have spent at least 11 billion dollars to host 64 games for the 32 best soccer teams in the world.
An estimate that’s roughly triple the amount spent by South Africa in 2010 (4 billion) and seven times as much as Germany spent in 2006 (1.6 billion).
Why is hosting the World Cup making Brazil shell out so much money?
Well, the answer is simple and can be summarized in one word “infrastructure”. Brazil’s lack of it, that is.
Brazil’s main issue is spacing and the fact that the country plans to host games in 12 different cities, some of them thousands of miles apart.
So, the investment has weighed heavy on infrastructure (this includes trains, hotels, stadiums).
Germany didn’t spend as much money when it hosted the World Cup because it already had the proper infrastructure to host hundreds of thousands of people and South Africa while it was not as set as Germany, was dealing with much smaller venues.
Of the 11 billion, 32 percent or 3.5 billion has been put into building soccer stadiums. Six of the stadiums are being refurbished, another six are brand new, including the 900 million dollar “Estadio Nacional” in Brasilia which is the second most expensive soccer stadium in the world.
This stadium is becoming the scapegoat for those who blame the government for out of control spending and mismanagement.
According to Fox News, while the stadiums are becoming commonplace for political corruption, 68 percent of the money or 7.5 billion has been invested into infrastructure projects like renovating airports, roads, and improving mass transit options. Other projects have failed, like the one of building a connecting monorail to Sao Paulo.
Fans trying to get tickets at the last minute better have a hefty trust fund because that’s what it’s going to take to get a ticket.
Tickets began at $15 for Brazilians and for international fans group match games began at $90. However, third-party sites like Stub Hub are now reselling tickets for five times that amount. Currently, a group match ticket is reselling for an average price of $553.
The championship match will also cost a pretty penny with starting prices at a whopping $6,000.
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economics
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https://arek.co.in/2020/03/27/mining-without-consent-chromite-mining-in-manipur/
| 2021-06-25T06:50:57 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-25/segments/1623487622113.11/warc/CC-MAIN-20210625054501-20210625084501-00295.warc.gz
| 0.941219 | 2,792 |
CC-MAIN-2021-25
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|
en
|
by: Frank Varah
The recent identification of chromite deposits in two districts of Manipur, Ukhrul and Chandel, has led the government to grant mining clearances disregarding constitutional provisions. While environmental degradation and tribal displacement due to chromite mining in Odisha is well documented, the administration is yet to learn from Odisha’s mistakes.
Chromite is a versatile element that is used in metallurgical, refractory, chemical and non-ferrous alloy industries. Owing to its multiple uses, chromite is a valuable and strategic raw material. Most of the chromite resources in the world are located in South Africa, that contributes to more than 50% of the world-trade in chromite (Pariser: 2013), and Kazakhstan. In India, more than 93% of chromite deposits are located in Odisha, mainly in the Sukinda valley in Cuttack and Jajpur districts (IBM: 2012).
The world production of chromite increased from 23.5 million tonnes in 2009 to 30 million tonnes in 2010 (IBM: 2012). The production of chromite from Indian mines registered a 24% increase in 2010-11 compared to 2009-10 (IBM: 2012). India accounts for 17% of the world production of chromite, making it a significant exporter of the mineral (USGS: 2011).
The Indian Bureau of Mines 2013 report indicated that Manipur has 6.66 MT (3% of total chromite reserves in India) chromite resources of ophiolite belt in Ukhrul (5.5 MT) and Chandel (1.1 MT) districts (IBM: 2013). Chromite deposits have been found in the villages of Phangrei, Shirui, Lunghar, Chingai, Kalhang Khunou, Poi, Halang, Pushing, Shingcha, Gamnom, Yantem, Hangkao, Apong, Ningthi, Pihang, Chattrick Khunou, Nambisha and Kangpat in Ukhrul District and Kwatha, Sibong, Khulangthabi and Minou-Mangkang villages in Chandel District.
The ore found here is high grade with Cr2O3 (chromium oxide) content varying from 44% to 59% (GSI: 2011). The chromite bearing areas in the two districts have flat topped low hills and rolling grasslands intersected by rivers. The forest cover of the two districts, based on satellite image, is 81.74% of geographical areas measured in square kilometres (FSI: 2011).
Violation of Procedures
The government of India, through the Indian Bureau of Mines and the Ministry of Mines, granted mining leases and licenses to private companies during 2007-2012 in the ophiolite belt of Ukhrul and Chandel districts of Manipur (Fig:1). The provisions of the Memorandum of Understanding (MoU) signed between the government of Manipur and the lessees include transfer of huge amount of land, raw materials, water and the right to mine.
However, the agreement between the Manipur government and the lessees was reportedly signed without informing the people of the land. No proper environmental impact assessment (EIA) was conducted either. Various civil society groups and local people raised objections against the state government for not seeking prior consent from the people.
In India, sanctions for chromite mining depend on both the central and state governments. A clear set of rules for obtaining environmental clearances for industrial and infrastructure related projects is prescribed by the Environmental Impact Assessment (EIA) Notification, 1994 issued by the Ministry of Environment and Forest (MoEF). The MoEF is mandated to carry out an appraisal, scoping and screening of projects, conduct public consultations with local communities affected by projects and prepare a report. This is to ensure that mining projects that are ecologically destructive are not permitted. Further these assessments are supposed to identify “no go” areas, factoring effective forest and wildlife acts for protection of biodiversity as well as laws regulating mine closure and mine restoration. The Ministry is also supposed to conduct post-project monitoring.
Coercing the Tribals
The Indian Constitution recognises that tribal lands and forests must be given special protection. The Forest Rights Act, 2006, empowers tribal and forest dwelling communities to play a decisive role in the management of natural resources. In addition to this, the Constitution also appends that land under the fifth and sixth schedules of the constitution cannot be alienated to non-tribals or industries. Despite these enabling provisions in the constitution and the Forest Rights Act, 2006, the rights of the tribals are being undermined by the Manipur state government in order to pave way for the mining industry.
The Manipur (Hill Areas) District Council (Third Amendment) Act, 2008 enacted by the Manipur legislative assembly is partially responsible for this as it discourages the idea of collective land ownership practised by tribals. It takes away land ownership rights from the village chiefs and empowers the members of the Autonomous District Councils to “allot, occupy, use and alienate land” without consulting the local tribal community. Through the provisions of this Act the state government seeks to take control over the tribal land and forests in clear infringement of tribal rights.
Moreover, it appears that the government of India assumes that all minerals found underground are state property. Ownership of the land is irrelevant, and the owner of the land earmarked for mining is not even granted preference in the grant of mining leases. The Mines and Minerals (Development and Regulation) Act, 1957, provides detailed procedures for a company or individual to obtain permission to search for minerals and to mine them. All power to grant permission rests with the state government, though central government approval is required as well. With such authority vested in it, the government of Manipur has acquired the lands and resources of the tribals without their consent.
However there are several judgments by the Supreme Court which have ruled against such indiscretion of the state. In the recent case of State of Kerela vs Jenmis (Land owners of Kerala) 2013, the Supreme Court ruled that the ownership of minerals should be vested with the owner of the land and not with the government. The three-judge bench headed by Justice R M Lodha noted that “there is no law in the country which declares that state is the owner of sub-soil or mineral wealth”. Referring to various acts regulating extraction of underground natural resources, the bench said that nowhere do the laws declare the proprietary right of the state. It ruled that the assertion of government to collect duty or tax is in the realm of its sovereign authority, but that does not extend it a proprietary right. The court rejected the argument that individual owners cannot claim any proprietary right on the sub-soil resources as section 425 of the Mines and Minerals (Development and Regulation) Act, 1957 prohibits carrying out of any mining activity in this country except in accordance with a permit, license or mining lease.
In areas where industries or mining operations are to be set up, the government often acquires land from the local community by promising them social and economic development of the area along with employment opportunities. But employment trends (in terms of employment) in India show a declining rate of employment despite an increase in industrial and mining activities in the country. This can be somewhat attributed to the use of modern technology which has rapidly reduced the labour requirement per unit of output. In case of mining, the beneficiaries are largely non-local mining experts. Skilled workers such as engineers, technicians, explorer, managers, etc. are usually outsiders. Other than providing manual labour, there is very little opportunity for the local population to find work in mining companies. The extracted ore is usually processed outside the mining belt, further reducing job opportunities for the locals. Transportation of raw materials etc. is usually undertaken by outsiders as the locals do not possess the infrastructure to cater to the transport requirements of the mining industry
Many studies have shown the environmental degradation and health hazards caused by chromite mining. The heavy metal contamination of agricultural soil, plants and water around chromite mining areas in Vietnam (Kien et al.,:2010), Zimbabwe (Maponga and Ruzive: 2002), China (Ma and Garbers:2006) and Pakistan (Kfayatullah et al.:2001) is well documented. Hexavalent chromium or Chromium–IV, one of the most toxic forms of chromium, is produced during smelting of chromite ore. The adverse effects of Hexavalent chromium contaminated water became known in the 1960s in Hinkley, a town in California. It caused an array of health problems such as skin rashes, ulcers, respiratory problems, lung cancer, weakened immune system, alteration of genetic material, kidney, liver damage and more (Fryzek et al.: 2001).
In India, different studies have shown the environmental havoc and sicknesss caused by chromite mining in Odisha (Dubey, et al.: 2001; Das and Singh: 2011), Karnataka (Krishna, et al.: 2012) Tamil Nadu and Maharashtra, (Rao, et al.: 2011). The case of Sukinda valley in Odisha may be of interest here. The ore deposits are exploited in this belt using open cast mining methods, and majority of these mines are located upstream of the Damasala Nala catchment areas. Seepage takes place from the mines situated on the bank of Damasala Nala, contaminating the water with heavy metals such as Hexavalent chromium. (IBM: 2013; Dubey et al.: 2001).
The 1995 survey data report from the Odisha Voluntary Health Association (OVHA) showed that more than 85% of deaths in the mining areas, and 86% of deaths in the nearby industrial villages occurred due to diseases caused by polluting activities of the mines in the region. The survey report also revealed that villages within 1 km of the sites were the worst affected, with more than 25% of the inhabitants suffering from pollution-induced diseases (Pal: 2010). However, there has been virtually no attempt to clean up this contamination in spite of the local organisations protesting against the mining activities. The Sukinda valley in Odisha is among the top ten of the world’s 30 most polluted places (Rao, et al.: 2001; Dhal, et al.: 2013).
A similar tale of environmental destruction and degradation looms large over the mines in Manipur. The chromites are located in the densely forested regions inhabited by the tribal people. Mining will not only result in deforestation and destruction of biodiversity but most importantly, the exhaustion of such non-renewable resources. The extraction and dumping of rock on the surface in the mining process will adversely affect livelihood of tribal communities. This will also alter the stability of the rock components thereby affecting the quality of water, soil and air in the area. Since chromite mining will employ the open cast method, it will eliminate existing vegetation, destroy the genetic soil profile, displace or destroy wildlife habitats, alter current land uses, and to some extent permanently change the general topography of the area. Mining will disrupt resources upon which people depend on for their subsistence and also generate discontent among people that shall act as an agent for further conflict.
The districts are also a part of a region known for receiving heavy rainfall throughout the year, making the land more vulnerable to contamination by chromite mine run-offs. In these districts, chromite deposits are largely found below the slanting ridges of the unending hills where hundreds of rivulets flow, providing drinking water to the people. For instance, streams emanating from Shirui Kashong that serves as the main source of water for the neighbouring villages will get highly polluted if chromite is mined in Phangrei. Further this will affect rivers such as Rangazak and Challou, the lifeline of the neighbouring villages cultivating rice. Mining of chromite at Shingcha, Maku, Ningthi, Chingai, Halang and Kalhang Khunou will inevitably affect the pristine rivulets flowing through the region and joining rivers such as Maklang, Tuyung, and Chammu in Ukhrul district affecting the soil in downstream villages.
Development through chromite mining in Manipur is not an answer to its economic woes. Exploiting its mineral resources does not necessarily provide solutions to the economic problems and other social issues. Mineral rich states like, Odisha, Chhattisgarh and Jharkhand are afflicted by poverty, as the revenue generated from mining is not utilised for the welfare of the local people. Large-scale exploitation and economic depravation is one of the causes which has given rise to Maoist insurgency, involving mostly tribal youths, in these regions. Inadequate access to legal means and lack of grievance redressal mechanisms hamper the efforts of the poor tribals to protect themselves from exploitative policies of the state and the corporates. The statutory rights and the constitutional protection given to the tribals are often lost in the pursuit of development. The case of chromite mining in Manipur not only brings to the fore the rights of tribals over their land but also the need for sustainable development.
Disclaimer: The Arek do not claim ownership of this article.
To cite this article: Varah,F. (2014). Mining Without Consent: Chromite Mining in Manipur. Economic & Political Weekly, 49 (25).
Click here for full access.
|
economics
|
https://transformschool.com/2019/03/01/the-class-piggy-bank-that-turned-into-a-small-fortune/
| 2023-12-04T10:38:52 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100527.35/warc/CC-MAIN-20231204083733-20231204113733-00486.warc.gz
| 0.959826 | 964 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__193558772
|
en
|
Last week I came across a remarkable teacher at one of my trainings.
She teaches 5 year olds how to run a business. Her methodology is simple:
After placing a small piggy bank in the middle of the room, she asks students to fill it with loose change. The kids go home, find any change they have laying around and bring it back the next day. That’s when the challenge begins.
She tells them that this year they must find a way to turn that change into a highly profitable business that benefits the community. Her one stipulation- whatever you take out of the piggy bank, you must do your best to put back in.
It works. Every year.
Some kids use change to purchase fruit for their smoothie and lemonade stands and increase the money 5 fold. Others use it to purchase beads for their accessory business to market to children in other classes.
To increase community involvement and collective ownership, students are required to ‘pitch’ their ideas to classmates.
Why a Class Businesses Help Prepare Students for the Future
This brilliant kindergarten teacher was on to something. She knew that in today’s uncertain economy, teaching students how to run a class business was as important as teaching them their ABC’s. Here’s why:
#1: Teaches Delayed Gratification
By turning the piggy bank into a class business, students learned to delay immediate gratification for long term success. They saw first hand how money was able to grow. These same principles can be applied later in life when making investments, purchasing a home, or planning for retirement.
#2: Creates Community Ownership
No one individual owned the piggy bank. It was owned collectively by the class. This taught students to view decision making as a collective process with several key stakeholders. Many businesses operate according to the same premise. In order to grow, they have to involve numerous shareholders, from public to private entities. And similar to the class piggy bank, decision making moved away from a narrow focus of profitability to what would work best for the collective good.
#3: Teaches students adaptability
It’s predicted that within five years, close to 50% of the world’s population will be freelancing in some form. What’s even more alarming: millennials tend to hold 3-5 jobs before the age of 30- and that has nothing to do with diminished work ethic; it’s because the world is changing at an alarming rate. So what’s that got to do with a class business? Teaching kids as young as 5 to adapt to uncertainty is the best way to prepare them for it. When running the class business, inevitably some student ideas will fail, forcing them to pivot and pursue new ideas and ventures. This ability to pivot will allow them to adapt to new fields when their current jobs become obsolete.
#4: Numbers make more sense when applied to the real world
I remember hating math as a kid. It was all too abstract. Even word problems were written abstractly, with test writers asking us to use calculus to lean a ladder against the wall. A class business on the other hand helps students get to abstract math concepts in a practical way. Students learn concepts of dividends, diminishing returns, interest (complex and compound), supply and demand, and others necessary to sustain and grow their business.
#5: Exposes students to problem solving and creativity
According to the world economic forum, in the year 2025 problem solving and creativity will be the first and third most important skills respectively. That’s a seven step move for creativity (it was #10 in 2015).
What better way to teach these skills than having students apply them on a daily basis?
As is the case with any business, problems will arise that are natural to sustaining and growing it. Students will be forced to find an appropriate market; create interest around their products; conduct pre- and post analysis when selling their goods; and determine ways to ensure customer satisfaction. Dealing with these problems on a daily basis will create resilience and confidence in students to solve bigger problems later in life.
How to Start Your Class Business
Interested in starting your own class business? You don’t have to go at it alone. There’s a wonderful organization called ‘Real World Scholars’ that helps teachers start their own class enterprises. They provide a starter kit, access to funding, and an online marketplace to sell goods. Check them out at ‘Real World Scholars.’
Have an incredible week leading our future tinkerers, explorers, and entrepreneurs.
Your Innovations Coach and #1 Cheerleader,
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economics
|
https://altrix-edge.io/
| 2024-04-24T13:20:47 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296819273.90/warc/CC-MAIN-20240424112049-20240424142049-00857.warc.gz
| 0.936328 | 2,517 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__193903404
|
en
|
It's a crypto trading and charting platform where traders can build strategies and get the latest data regarding market conditions. Altrix Edge also provides helpful learning materials for traders of all skill levels, as well as pricing charts that show real-time fluctuations in cryptocurrency prices.
Thanks to a user-friendly interface, it’s easily accessible, so traders can keep up with their trading activities and modify their strategies from anywhere. In addition to historical pricing trends, Altrix Edge gives insights regarding the latest events that can affect the crypto market, such as government regulation, the launch of new technology, or increased rates of crypto adoption.
Because of these features, it’s suitable for beginners and experienced traders who need an efficient way to look at information and instantly start trading. Traders can also focus on trading different cryptocurrencies to build a diverse portfolio. They can choose from a variety of altcoins or simply opt for Bitcoin trading, considering its reputation as the most favored cryptocurrency.
Besides trading-related features, Altrix Edge also ensures a safe trading experience by employing effective security measures like advanced encryption protocol. It also offers tried and tested payment methods that have been proven safe so that traders can make deposits and withdrawals without worry.
Despite the increasing traction surrounding cryptocurrencies, it’s important to remember that crypto trading can be very difficult and even riskier for traders who aren’t prepared. Without access to the right materials that could enhance their knowledge, traders would need to rely on trial and error to understand what they should and shouldn’t do. But this can be incredibly risky.
To ensure that even beginners know the basics before they go live, Altrix Edge has compiled a selection of different learning materials. These comprise short articles, detailed ebooks, and other forms of content to familiarize new traders with common concepts involved in crypto trading.
Using these resources, traders can understand how to read different charts, what factors to consider when building a strategy, and what the most common chart patterns indicate. Once they know how to read market data and interpret crypto-related news, traders can start forming strategies based on how they think the current data will affect the market.
At the same time, there are informative materials for experienced traders as well. These include case studies and articles that they can go through to build their understanding of the market.
The crypto market is highly volatile, with a number of factors that can affect price movements at a single time. Therefore, it’s important that traders keep up with the latest market events and news before coming up with a strategy and choosing a cryptocurrency to start trading.
When traders don’t have a reliable source where they can get all their crypto-related news, they have to scour through different websites to find information. Even then, there’s a risk of missing something that could potentially affect cryptocurrency prices.
To prevent the hassle associated with looking for relevant cryptocurrency news across different outlets, Altrix Edge has a dedicated section to provide traders with important market insights. This includes the latest news regarding political stances on cryptocurrencies, lawsuits against crypto-related companies, and more.
Viewing this information is critical for performing a fundamental analysis when speculating the future price movement of a cryptocurrency. Otherwise, simply relying on historical trading data and the price action of a cryptocurrency can prevent traders from seeing the complete picture of how current market conditions could eventually impact the value of a cryptocurrency.
Some common examples of events that can affect crypto trading include factors like changing interest rates, unemployment, and inflation. Periods of economic stability in a country can lead to a rise in cryptocurrency adoption. As this happens, more people start acquiring crypto assets, which increases their popularity.
In this situation, the demand for the cryptocurrency increases, which has a major impact on the value. Similarly, many traders wait for major economies like the United States to declare whether it will be increasing interest rates or not. Then, based on this news, they decide whether to go long or short on their trading strategy.
At the same time, it’s unwise to dismiss historical price action information of a particular crypto asset. When conducting a technical analysis to speculate on the price movement of a cryptocurrency, traders must see how the price has changed over time. For this, an accurate charting tool is essential.
It’s why Altrix Edge provides traders with a reliable pricing chart that shows real-time data about the value of a cryptocurrency and how it’s currently moving. Technical analysts believe that historical pricing trends are a strong indicator of an asset’s future movements.
This stems from the concept of market cycles. Many crypto traders are of the opinion that the crypto market will experience a bullish or bearish trend every couple of years, after which prices experience rapid change.
With the Altrix Edge’s charting tool, traders can set their desired time intervals to see how the value of a cryptocurrency has changed over time. Then, they can predict whether the price is set to increase or decrease in the near future, allowing them to start trading accordingly.
Crypto trading is quite complicated as it is, so the last thing traders need is a platform that’s too confusing and complicated to navigate through. To ensure that new traders would spend little time getting used to the platform, Altrix Edge is designed with a user-friendly interface. That means the layout is simple and easy to understand. It also means that the features are labeled properly to help traders access the resources they need.
A great user interface can alleviate the confusion and frustration that comes with trying to understand complex charts and other materials. Because of its clean and minimalist layout, traders can access Altrix Edge on their handheld or desktop devices. The platform maintains a similar user interface regardless of the screen size, so traders don’t need to adjust to different versions of the platform.
It also makes it more convenient to access the platform from anywhere. This is an important feature for many crypto traders today, considering that they may need to log into their accounts from different locations.
To effectively open long and short positions for a specific cryptocurrency, traders need to know how to read crypto charts. Charting is a common component of technical analysis, during which a trader should view a cryptocurrency’s price trend before moving forward.
Charts provide a wide variety of insights regarding the crypto market, which is crucial when traders need to make split-second decisions. Although traders can always customize their charts according to their preferences, there are a few common types of charts they'll come across.
As the name implies, this type of chart includes a line that connects the dots between one closing price and the next. When all these dots are connected with a line, traders can view the overall price movement of a cryptocurrency over time.
It’s the simplest type of pricing chart, but it doesn’t offer any information about how the price moved within a specific period. The only visible data point on this chart is the closing price at the end of a trading period.
Nevertheless, this type of chart is highly useful for traders who want to observe a general price trend to see if the value has gone up or down so far. Therefore, it helps one see the bigger picture with regard to a cryptocurrency’s price movement.
Not to mention, it’s common for some traders to focus more on the closing price of a crypto asset than the opening price, high or low. But this means ignoring some important data points. Specifically, traders end up dismissing price fluctuations that occur during a trading session. And when it comes to a highly volatile asset class such as cryptocurrencies, it could make all the difference in one's strategy.
Compared to a line chart, a bar graph will indicate much more information. It will show the opening price, closing price, or a cryptocurrency, as well as the highs and lows experienced during a trading session. In other words, a bar chart will depict the volatility of a cryptocurrency as well.
Rather than seeing the overall pricing trend, traders rely on bar charts to learn about the price range of the asset during a specific period. Therefore, it’s common to see the bars increasing or decreasing in size over time.
For each bar, the bottom marks the cryptocurrency’s lowest traded price during the session. Meanwhile, the top will mark the highest traded value. The length of the bar itself will show the asset’s trading range. With greater price fluctuations, bars become bigger, and smaller changes result in smaller bars.
This variation in size is because the vertical length of a bar represents the difference between the highest traded price and the lowest traded price during a session. And each bar represents a single session, which can be as long as a few minutes, an hour, or a day.
The candlestick chart is by far the most common chart that traders use to keep track of market data. It’s a type of bar chart because it also shows the opening and closing prices, along with the highs and lows during a specific trading session.
Even though it indicates the same data as a bar chart, it’s much more visually appealing. This makes it more convenient to read, which is essential in crypto trading, where every second counts. Each candle is made up of a larger body and a wick at each end. The wider block in the center of the candle shows the difference between the cryptocurrency's opening and closing prices. Then, the wicks will show how high and low the asset's value went in the specific session.
A major reason that crypto traders prefer using candlestick charts is that they represent market sentiment using colors – most commonly red and green. A red body will show that the closing price was lower than the opening price, indicating a bearish sentiment. And a green body means that the closing price was higher than the opening price at the start of a session, which implies bullish sentiment.
With Altrix Edge, traders can view charts based on their trading preferences. Whether they want to view general price trends or see other data points as well, they can set their desired trading session intervals on the chart. This allows each trader to see the information they’re looking for without any distractions. Not to mention, they can apply specific indicators on the chart to keep track of when a cryptocurrency will reach a specific price.
No, traders don’t need to get a crypto wallet if they want to start crypto trading. This is because trading via Altrix Edge doesn’t require the ownership of a cryptocurrency token. Instead, traders will go long or short on an asset depending on whether they speculate that the value will increase or decrease. Therefore, traders will be able to start crypto trading without paying the high cost of purchasing a token.
It’s not necessary to have stock or forex trading experience when starting crypto trading. However, it’s still important that traders have some knowledge about how the crypto market works. This allows them to get a clearer picture of current market conditions and make decisions accordingly. Otherwise, there’s a risk of taking up positions based on one’s gut feeling, which can increase risk levels.
Yes, Altrix Edge is developed to be compatible with all types of desktop and handheld devices. Because it’s designed with a user-friendly interface, traders can conveniently transition from trading on their computers to their tablets. Also, it’s compatible with all major operating systems, such as Windows, Mac, and Linux.
The most common options include scalping, day trading, and swing trading. Traders should choose a strategy based on their goals and how much time they’re willing to dedicate to monitoring their trades. However, considering the volatile nature of cryptocurrencies, scalping is a suitable strategy. This is because it allows traders to take advantage of minor price fluctuations that occur in the crypto market.
|🤖 Type of Platform
|💰 Cost of Platform
|Free of charge
|📊 Platform Category
|💳 Payment Methods
|Credit Card, Wire Transfer, PayPal, and more
|A wide number of countries (except the USA)
|
economics
|
https://www.westnautical.com/news-item/west-nautical-speak-superyacht-investor-conference/
| 2018-10-21T14:37:29 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-43/segments/1539583514030.89/warc/CC-MAIN-20181021140037-20181021161537-00043.warc.gz
| 0.979105 | 410 |
CC-MAIN-2018-43
|
webtext-fineweb__CC-MAIN-2018-43__0__240857319
|
en
|
Geoff Moore was invited to sit on the panel of experts to discuss the status of the Charter Market
West Nautical attended the inaugural Superyacht Investor conference held at the Hyatt Regency Hotel, London, on March 14th and 15th.
Geoff was joined on the panel by the MYBA President Fiona Maureso and Senior Broker with My Sea Timothy Clark, which was moderated by Alasdair Whyte, Editor and Co-Founder of Superyacht Investor.
The panel had several lively discussions for an hour on subjects such as what an Owner can do to present their yacht in the best manner in what is becoming a very competitive charter market, and what contribution to owning costs can be covered through commercial chartering.
“Since the financial crisis the deal culture has entered every part of our lives,” said Timothy. “Many customers are looking for a deal.” Many newer customers have become fickle. Fiona Maureso agreed: “We still have many clients that have worked with us for years, but there is a trend amongst some to be less loyal to their brokers and shop around. This really did not used to happen as much.”
The panel also discussed the trend of seeing other industries being changed by new technology, such as Uber, AirBNB etc, and whether they worry that clients will one day book all yacht charter online? Whilst it was generally an agreed opinion that customers for a superyacht charter will generally always want the tailored and personal service that a broker offers in order to book such an expensive holiday as a yacht charter, Geoff Moore did add: “I do think that, in the future, a lot more clients will be booking online. We’ve got billionaire clients that will only use their own jets, but we also have billionaire clients that will only fly economy – it’s about choice.”
For any enquiries into charter, please contact our dedicated team at [email protected]
|
economics
|
https://adambermanattorney.com/investing-in-real-estate-strategies-for-long-term-success/
| 2024-04-19T12:49:55 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817398.21/warc/CC-MAIN-20240419110125-20240419140125-00538.warc.gz
| 0.900197 | 537 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__129253809
|
en
|
Investing in real estate can be a rewarding endeavor, providing the potential for significant profits and long-term financial stability. However, like any investment, real estate requires careful planning, strategic thinking, and a focus on long-term success. Whether you are a novice investor or experienced in the field, here are some proven strategies to ensure your success in real estate investment.
- Develop a Clear Investment Plan:
Successful real estate investors have a well-defined investment plan. They set clear goals, whether it’s generating rental income, property appreciation, or a mix of both. A defined strategy helps you focus your efforts and resources on properties that align with your objectives.
- Diversify Your Portfolio:
Diversification is a key principle in investment. Spread your investments across different types of properties and locations. Diversifying your real estate portfolio can mitigate risks and enhance your chances of consistent returns, even if one sector experiences fluctuations.
- Research Thoroughly:
In-depth research is the foundation of successful real estate investing. Understand the local market trends, property values, and potential growth areas. Analyze historical data and future projections to make informed decisions. Knowledge about the market gives you a competitive edge and helps you identify lucrative opportunities.
- Financial Prudence:
Maintain financial discipline in your investments. Set a budget, stick to it, and avoid impulsive decisions—factor in all costs, including property acquisition, maintenance, management fees, and taxes. Ensure your investments generate cash flow after accounting for all expenses.
- Understand the Power of Leverage:
Leveraging other people’s money, such as through mortgages, can amplify your investment potential. Mortgages allow you to control a more valuable property with a relatively small upfront investment. However, exercise caution and ensure you can comfortably manage the debt.
- Long-Term Vision:
Successful real estate investors have a long-term perspective. Real estate markets can experience short-term fluctuations, but historically, properties tend to appreciate over time. Adopt a patient approach and resist the temptation to make impulsive decisions based on short-term market movements.
- Effective Property Management:
If you are investing in rental properties, efficient property management is essential. Timely maintenance, responsive communication with tenants, and fair treatment contribute to tenant satisfaction and long-term occupancy. Well-managed properties yield steady rental income and positive tenant relationships.
Investing in real estate is a journey that requires careful planning, research, and a commitment to long-term success. Remember, patience, knowledge, and strategic thinking are your greatest allies in real estate investment.
|
economics
|
https://honestygroup.co.uk/our-story/
| 2022-08-08T00:41:56 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882570741.21/warc/CC-MAIN-20220808001418-20220808031418-00011.warc.gz
| 0.985606 | 862 |
CC-MAIN-2022-33
|
webtext-fineweb__CC-MAIN-2022-33__0__113719672
|
en
|
I grew up in a household where it was normal to bake bread. My Mum stubbornly refused to succumb to the “life is too short” mantra that was persuading many people to get out of the kitchen in the 1970s and to buy convenience food, white sliced “Mother’s Pride” being one of those. I have for many years been interested in the politics of food, how it is sold to us and the effect that it has on our health, happiness and well-being and of course the environment. Bread is the perfect example of how food culture in Britain started to break down in the 1960s onwards and how its production reflected the drive by big food manufacturers to get us out of our kitchens and to embrace any food item that reduced our effort at cooking. Quick was good. In those early days we trusted that what was being sold to us would do us no harm. I grew up in Basingstoke. Money was tight, but it was always important to my Mum that we were well fed with wholesome, home cooked food.
When I had children it was easy to see the impact that good, home cooked food had on them. From lighting up their senses, bringing something smelling delicious and looking delicious from the oven to the table, to seeing their strong, healthy bodies and minds develop over time. It does take time and effort, but you make that time and effort for your loved ones.
I had always had a dream to open a bakery. Bread has a special place in my heart. It was in 2012 that I started to think about making this dream a reality. We had lived in a rural part of Hampshire since 1997 and it was almost impossible to find good quality bread. The supermarkets had their “in store bakeries” but they just provided the illusion of freshly baked bread, bread that looked and smelled good but that was full of additives, emulsifiers and preservatives. If I wanted good bread then I felt that others must want it as well and that there could therefore be a market for it away from the supermarkets. I also wanted to prove that good food, real food could get to the consumer at a reasonable price and that a business doing this could still have principles and ethics and make a profit at the same time. I spoke to a lot of people in the know, people with commercial real bread baking experience. None of them were very encouraging so I didn’t take the plunge.
In 2014 an unloved old coaching inn came on the market in the village of Inkpen. It had a restaurant, bar, tiny kitchen, 10 guest bedrooms and a converted barn where the owner lived. I saw my chance to refurbish this beautiful old pub and use the old barn space for a bakery and small coffee shop and Honesty was born.
Since 2014 we have moved the bakery twice as a result of growing demand for our bakery products and we are now in Turnpike in Newbury producing bread, cakes, pastries, pies, pasties, soups, stews, sandwiches and salads.
Alongside the development of the bakery and kitchen at Turnpike and the pub we now have 10 coffee shops, the first of which opened in 2016. It was a small shop on the high street in the village of Kingsclere near Basingstoke. When the site came up for rent it seemed the perfect place to showcase our bakery range. Most of our shops are on small village high streets, away from the big brands. We sit in the communities in which we serve, adding value and reflecting those communities, not imposing ourselves upon them.
In 2019 we added the wonderful Saddleback FarmShop to our group of businesses. The shop was built from scratch by Claire Whidbourne in a converted piggery and it is now a much loved business in the area, supplying quality local produce, with a cosy tea room and cafe.
In September we took over the running of another village pub in the village of Donnington in Newbury. We have a seasonal menu there that changes weekly and reflects the best of local produce. A small coffee shop selling our Honesty baked produce can be found nestled in the courtyard at the back of the pub building.
|
economics
|
https://gentlefamilydentistry.com/patients/insurance-financing/
| 2024-02-22T07:39:31 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473735.7/warc/CC-MAIN-20240222061937-20240222091937-00505.warc.gz
| 0.952284 | 310 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__5020016
|
en
|
At Gentle Family Dentistry, we offer many ways for our patients to finance the dental treatments they need. We always accept the standard forms of payment: cash, checks, and credit cards. We additionally offer a discount incentive for those that pre-pay for treatment in full (some restrictions apply). Keep reading to learn more about our dental insurance and financing options.
Gentle Family Dentistry accepts most PPO insurance plans, but it is best to confirm with our Financial Coordinator. As a courtesy, we can also submit your insurance claims electronically.
One of the most popular and consistent ways to finance any needed dental work is through CareCredit. When using CareCredit, Gentle Family Dentistry offers 12 months of free financing. For many people, CareCredit is the easiest way to get the procedure done when needed and to pay it off throughout the next year, as opposed to saving up for a year and the dental issue worsening during that time.
Dr. Jonathan Garger wants to make it very clear that your dental treatment should never be dictated by your insurance company but instead should be dictated by your dental needs. Our office is committed to ensuring a high standard of care for your important dental health, and you deserve the highest quality of treatment. Through our years of helping out our patients, our team is well versed in the tools needed to assist our patients in receiving the necessary treatments. We will tirelessly work with insurance companies to utilize all of your available benefits and have additional financing options that will allow you to pay the amount not covered by insurance.
|
economics
|
https://www.mantapro.com.au/become-a-dealer/
| 2022-05-16T18:31:19 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-21/segments/1652662512229.26/warc/CC-MAIN-20220516172745-20220516202745-00785.warc.gz
| 0.934453 | 225 |
CC-MAIN-2022-21
|
webtext-fineweb__CC-MAIN-2022-21__0__210350067
|
en
|
Become a Dealer
Interested in retailing the range of Manta Performance products?
Want to get access to our awesome product knowledge & post sales service?
Here’s what sets Manta apart from the rest:
– In business over 40 years. We take the time to understand your needs, and build a long-term relationship that you can trust.
– Only the highest quality. All our products are developed and produced in-house, we make what we sell!
– Australian made & owned. We know what makes the market tick, and we tailor our products and service to suit. We can offer fast turnarounds on bespoke products.
– Competitive pricing, combined with a motivational discount structure to encourage you to get more sales!
– Broad range, backed by the industry’s best warranties. We were the first Australian exhaust manufacturer to offer a 10 year guarantee on stainless steel exhaust systems – showing we back our product!
We can’t wait to hear from you!
Please fill out the form below and we’ll be in touch right away.
|
economics
|
https://www.pinnacleservice.co/pama-medicare-rate-cut
| 2024-04-13T13:16:27 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816734.69/warc/CC-MAIN-20240413114018-20240413144018-00763.warc.gz
| 0.928375 | 431 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__144288979
|
en
|
Impact of Medicare Rate Cut (PAMA rule)
Reduction of Medicare fees for laboratory tests under new PAMA rule is a major concern for many clinical labs. Medicare is planning to reduce annual payments to medical labs by $680 million. Fee rate changes will be implemented gradually over three years and affect different CPT codes in different ways.
To understand how these changes will affect our clients we have analyzed historical Medicare payments and computed detailed impact on each US medical lab based on the historical mix of CPT codes submitted to Medicare for payments.
Below are aggregated analysis results. To get free detailed analysis report for your lab, complete the request form
GET DETAILED REPORT
Enter your lab billing NPI and your corporate email address to receive detailed PAMA impact report for your lab
In 2018 first phase of rate cuts comes into effect but for most of the labs, the impact will be limited. 50% of labs will see negative revenue impact within $10K, 26% of labs are estimated to have losses from $10 to $50K and 17% of labs will are expected to see revenue drop up to $1m. Two largest national labs will be most impacted with revenue drop over $100 million.
Few labs will see an increase in revenues from the Medicare rate change, some up to $1 million
Our statistical model estimates that in 2019 impact from PAMA rate cut will more than double, increasing Medicare savings from $670 million to over $1.3 Billion.
- The change will mostly impact larger labs what perform the majority of the most common tests such as Comprehensive Metabolic Panel or Lipid Panel tests.
For majority of labs, impact will not significantly change from 2019 to 2020
Our statistical model estimates that in 2020 Medicare will save over $2B from rate cuts assuming Compound Annual Growth Rate (CAGR) of test volumes to be at 5%
While two largest national reference labs will experience the majority of impact, the most of Medicare savings will come from a large number of small providers.
|
economics
|
http://icba-online.com/home/2011/12/7/banks-make-quick-decisions-when-better-credit-quality-is-the.html
| 2013-12-09T09:33:15 |
s3://commoncrawl/crawl-data/CC-MAIN-2013-48/segments/1386163954634/warc/CC-MAIN-20131204133234-00007-ip-10-33-133-15.ec2.internal.warc.gz
| 0.96594 | 743 |
CC-MAIN-2013-48
|
webtext-fineweb__CC-MAIN-2013-48__0__195629126
|
en
|
By Ron Doyle
In Canada, we have recently seen two well-established companies filing for protection: Hart Stores Inc. and Norgate Metal. In neither case did the creditors nor the credit insurers suspect that the companies were about to file. In the Hart Stores case, two credit insurers reviewed the portfolio just prior to the company filing and found, that while the company had experienced a small loss at year end and another small loss at the end of the first quarter, there wasn’t any reason to reduce coverage. What wasn’t anticipated: these small losses resulted in the company’s bank refusing to renew the Line of Credit and then the company’s inability to find new financing in today’s market.
In the case of Norgate Metal, the company lost money on a contract due to the last minute withdrawal of a subcontractor. The loss caused the debt-to-worth ratio to increase substantially and the company’s bank immediately pulled the Line of Credit. Prior to this one loss, the company had operated successfully for many years and had a reasonable balance sheet.
It appears that the liquidity crisis in the banking system and the banks’ objective of raising Tier 1 capital is forcing banks to focus on credit quality and whereas, they were previously prepared to be patient and waive violations of covenants, they are now reacting more quickly. In a December 1, 2011, article in Canada’s Globe and Mail, Report on Business, Central banks in bid to pull Europe from the doldrums, Marius Kloppers, CEO of BHP Billiton is quoted as saying, “trade finance - a cornerstone of the international banking industry long dominated by European lenders - has become harder to get.” This statement supports the premise of my November 2011 blog post that described how banks are now seeking more support from credit insurance markets to support their normal documentary credit business, which is critical to smooth transaction of international trade.
Credit capacity is a finite amount. This is particularly true in the credit insurance industry. If banks and major commodity exporters use the market to support their sales and lending capacity, credit is going to become scarce very quickly. This situation will be exacerbated if banks become more adverse to risk and begin calling loans or refusing to renew credit lines on reasonable terms. Such a situation would again result in high levels of claims and overdue accounts being submitted to underwriters. As we saw in 2008, a similar situation resulted in a reduction of capacity and the withdrawal of credit limits on buyers around the world.
Credit management in too many companies, especially in North America, is often reactionary and based on historic experience and information. I don’t think even the most optimistic economists are forecasting strong growth over the next five years, which will allow the countries and the banking system to reduce enormous debt loads. The most radical of austerity measures will only reduce the deficits in most countries. The bleeding continues. Now is the time for prudent and professional credit managers to develop a strategy to not only survive, but to improve market share.
The fact that banks are striving for credit quality will result in more companies either having their Lines of Credit pulled or not renewed. The economy suffers. Bankruptcies are going to happen quicker and with less warning. What is your company doing to position itself a winner?
(Ron Doyle is a founder of Millennium CreditRisk Management – credit and political risk insurance specialists – www.mcm.ca. ICBA is the world’s largest team of independently-owned, specialist trade credit insurance brokerages. Partners combine local service with global coordination to provide credit and political risk insurance solutions for multinational companies.)
|
economics
|
https://www.europeancma.com/decoding-the-odds/
| 2024-02-28T05:26:48 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474697.2/warc/CC-MAIN-20240228044414-20240228074414-00008.warc.gz
| 0.89923 | 831 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__157316927
|
en
|
Betting odds are a fundamental aspect of the gambling industry, reflecting the probability of a particular outcome. They serve as a bridge between the mathematical world of probability and the real-world application of betting. This article explores the intricate process of how betting sites calculate odds, delving into the mathematical models, market influences, and technological tools that shape these numbers.
The Mathematical Foundation
Understanding the calculation of betting odds requires a grasp of the underlying mathematical principles. This section explores the fundamental concepts and models used in determining odds.
Probability and Odds:
Probability is the measure of the likelihood of an event occurring, expressed as a number between 0 and 1. Odds, on the other hand, are a ratio that compares the probability of an event happening to it not happening. The conversion between probability and odds is a crucial step in the calculation process.
Models and Algorithms:
Betting sites often employ complex mathematical models and algorithms to calculate odds. These models take into account various factors such as past performance, player statistics, weather conditions, and more. Algorithms analyze this data to predict the likelihood of different outcomes.
Margin and Overround:
Betting sites add a margin to the odds to ensure profitability. This margin, or overround, is the percentage by which the total probabilities exceed 100%. It represents the bookmaker’s advantage and is a vital component in the odds calculation.
The mathematical foundation of odds calculation is a blend of probability theory, statistical models, and business considerations. The conversion of probabilities into odds, the application of predictive models, and the incorporation of a margin are key steps in this process.
Market Influences and Adjustments
Market forces and human judgment play a significant role in shaping betting odds. This section delves into how external factors and expert analysis influence the odds.
Supply and Demand:
Odds are not static; they fluctuate based on the betting activity. High demand for a particular bet can lead to shorter odds, while lower demand may result in longer odds. This dynamic reflects the supply and demand principles of the market.
Bookmakers often employ experts to analyze games, players, and other factors. Their insights and judgments contribute to the fine-tuning of odds, adding a layer of human expertise to the mathematical models.
The competitive environment among betting sites also influences odds. Bookmakers may adjust odds to attract bettors, align with competitors, or respond to market trends.
Market influences and adjustments add complexity to the odds calculation process. The interplay of supply and demand, expert analysis, and competitive pressures shape the final odds, reflecting both mathematical precision and real-world dynamics.
Technological Tools and Automation
Technology plays a pivotal role in modern betting. This section explores the tools and automation that enable efficient and accurate odds calculation.
Sophisticated betting software integrates vast amounts of data, complex algorithms, and real-time updates to calculate and adjust odds. These tools provide the computational power needed to handle the multifaceted nature of odds calculation.
Automation and Real-time Adjustments:
Automation allows for continuous monitoring and real-time adjustments to odds. As games progress and new information becomes available, automated systems can swiftly update odds, reflecting the ever-changing nature of sports and betting.
Technological advancements have revolutionized the way betting sites calculate odds. From powerful software to automation, technology enables precision, efficiency, and responsiveness in the odds calculation process.
The calculation of betting odds is a multifaceted process that blends mathematics, market dynamics, human judgment, and technology. It’s a delicate balance that reflects the complexity of sports, the unpredictability of outcomes, and the business imperatives of the betting industry. Understanding this process demystifies the numbers that guide the world of betting, revealing a fascinating interplay of art and science, chance and skill, logic and emotion. Whether a casual bettor or a seasoned expert, grasping how betting sites calculate odds offers a deeper appreciation of the game, both on the field and in the numbers.
|
economics
|
https://quertyjef.com/2019/01/24/a-visit-to-milky-way/
| 2019-08-20T09:48:06 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027315321.52/warc/CC-MAIN-20190820092326-20190820114326-00402.warc.gz
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CC-MAIN-2019-35
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The heart of Almarai’s success is the trust earned over 40 years of continuous commitment to quality.
Mission To provide quality and nutritious food and beverages that enrich consumers’ lives every day. Values Adaptable Sharing Passionate Innovative Respect Excellence
Vision:To be the consumer’s preferred choice by leading in chosen markets with superior food and beverage products.
Values: Adaptable, Sharing, Passionate, Innovative, Respect, Excellence
Almarai’s core philosophy is commitment to providing excellent quality.
Almarai constantly seeks to provide its consumers with high-quality products; to implement the highest industry standards in every aspect of its operations; and to enhance the brand by building a very advanced infrastructure for production, marketing, and distribution. Since establishment in 1977, Almarai has grown through carefully planned investment to become the Middle East’s first vertically integrated dairy company and the region’s largest producer and distributor of food and drink. Almarai products are market leaders in Saudi Arabia and wider regional markets. Over the years, Almarai has diversified production to enter the juices, bakery, poultry, and infant foods sectors, to become a fully integrated company with regional coverage and market capitalization exceeding $12.5 billion. Within this widespread diversification and expansion, quality is always the founding principle, upholding Almarai’s commitment to achieving the highest standards on behalf of its consumers and justifying its motto: ‘Quality you can trust’.
Sultan bin Mohammed bin Saud Al Kabeer
Renewed trust every day
For four decades, Almarai has been a highly trusted food and beverage brand offering high quality products across the Middle East.
By providing great products that meet people’s needs, Almarai has become an integral part of their daily lives.
Across the Middle East, people trust the Almarai name as a hallmark of quality, a reputation that has been carefully nurtured over the years.
Quality is the highest priority every step of the way, right up until products reach the consumer. It applies equally to the care of livestock on Almarai’s farms, to laboratory research and testing, production control, and management of the retail supply chain.
Because Almarai owns most of its supply chain – from feed production to processing, packaging, and distribution – the company is able to maintain its exacting standards.
Commitment to consumer satisfaction is the company’s main objective, supported by constant innovation. This is complemented by Almarai’s production, marketing, and distribution infrastructure, which enables daily distribution of fresh products to over 110,000 retail outlets across the six Gulf Cooperation Council (GCC) countries, Egypt and Jordan.
Founded in 1977, Almarai has grown to become the Middle East’s largest food manufacturer and distributor. Diversification in recent years has added the Almarai range of juices; bakery lines under the L’usine and 7Days brands; poultry under the Alyoum brand; and Nuralac infant formula.
Product innovation and entering new categories are essential to business growth, continuing Almarai’s diversification drive. At any given time, at least 65 new products are under development and being evaluated for market launch.
Only the very best survive the rigorous process of quality assessment that determines the right to earn the coveted Almarai branding – and the consumer trust that it represents.
Dairy has always been the core of Almarai’s business. The vast product range includes fresh milk, laban, flavored milk, milkshakes, UHT and evaporated milk, cream, yoghurts, desserts, natural and processed cheeses, butter, and ghee.
The first diversification in 1999 launched fresh juices, which quickly became market leaders.
Expansion into bakery followed in 2007 with two initiatives – the acquisition of Western Bakeries, and the creation of Modern Food Industries, a joint venture with Chipita of Greece and the Olayan Group.
Almarai launched poultry products in 2009 and has since expanded the range to provide a comprehensive offering to consumers.
The company has also developed specialized packaging to ensure optimum food hygiene and nutritional value
In 2010, a joint venture was formed with Mead Johnson to enter the infant nutrition market. Almarai took full control in 2014, launching its own brands: Nuralac and Nuralac Plus.
Wholesome goodness in every product.
Almarai assures the quality of all its products by using high-standard ingredients and applying stringent measures for food safety, from infant milk to the entire range of nutritional products.
‘Quality you can trust’ is a far-reaching promise that applies to every aspect of Almarai’s business.
Almarai’s motto ‘Quality you can trust’ represents a commitment to implementing the highest levels of quality, thereby earning the trust of all stakeholders. The motto also encapsulates the company’s integral vision, from strategic decision-making by the Board of Directors to administrative and operational principles and practices at production level. Whether dealing with investors and business partners or developing advanced professional skills among employees, rigorous quality control is crucial to all aspects of Almarai’s operations.
Within the work environment, quality is the cornerstone for growth and overcoming its attendant challenges.
In achieving this, Almarai has worked with international experts to merge local skills with global expertise, collectively contributing to the establishment of a multinational work environment.
In terms of products, the quality and development department undertakes responsibility for quality assurance, and for seeking out healthy products that are rich in nutritional value and will satisfy all tastes. The department researches and studies consumer preferences, seeks to understand consumer needs, and analyzes all options that respond to these needs. Innovation in applying the most advanced technologies is therefore considered to be one of the most important elements that contribute to food product diversification and meeting consumer expectations.
Almarai implements the highest standards of health and food safety, demonstrated by the many accreditations granted by the International Standards Organization. This underlines the quality of Almarai’s unique ingredients and infrastructure, which unite the best farmlands, production plants, and modern distribution systems.
Almarai uses the best natural ingredients, sourced locally and globally, while implementing the most modern food technologies and building the most advanced production plants.
1.Crop cultivation and selection
Quality is the focus of all of Almarai’s farming activity, and that means using only the best animal feed. The company imports most of the feed: a crucial step for preserving domestic water resources. A growing proportion of forage already comes from farms in Argentina, the USA, and Europe.
2. Extraordinary care for farm animals.
Almarai’s farms look after their livestock to an exceptionally high standard, ensuring maximum yields and quality. Dairy herds have 24-hour access to professional veterinary support, year-round shaded housing, and air cooling and showering. Poultry flocks receive equal best-in-class care, from highly nutritious feed to best-quality water and air control.
3. Best-in-class manufacturing and processing.
The technology and capacity of Almarai’s manufacturing and processing capabilities are exceptional, with bakeries and factories delivering the highestquality output on a mass scale. Production facilities are constantly being expanded, renovated, and improved, as the company strives to operate to the highest standards of international best practice and meet ever-increasing demand.
4. Exceptional transport and logistics capabilities.
In terms of the scale of assets, distances covered, and quantities delivered, Almarai’s Transport and Logistics division is larger than any logistics company in the Middle East. More than 7,700 trucks and cold trailers deliver close to two billion kilograms of products every day, on time and in perfect condition.
5. Consumer insights and powerful branding.
Almarai has always worked to earn the trust of its consumers, and has become a brand leader that is known and loved by millions. Commitment to quality is at the heart of the company’s status as the Middle East’s leading food and beverage producer and distributor, and feedback is continuously gathered to help increase customer satisfaction.
Care and corporate responsibility.
Understanding the needs of Almarai’s customers is matched by equal commitment to the best interests of employees, its communities, and the environment.
People development is central to Almarai’s philosophy as a responsible corporate citizen.
A range of programs provide career growth. Almarai’s Dairy & Food Polytechnic trains more than 400 students every year, and the Graduate Professional Trainee program employs hundreds of talented fresh graduates.
The Almarai Sales Academy designs and runs competencybased development programs. The aim is to provide the highest standards and enable people to excel in their professions and grow in their careers, while meeting the organization’s succession plans.
The Almarai Driving School provides driving lessons for the lorry and heavy truck drivers who join the company every year as its fleet grows.
Employee welfare is equally important. The company applies international occupational safety and health standards, introduces policies to stimulate employee engagement, reviews wages regularly, and encourages positive communication.
In the broader sense, community involvement focuses on supporting education and excellence through initiatives such as the Almarai Award for Scientific Innovation, the Almarai Education Excellence Award for Arab students in the GCC, and the Almarai Award for Veterinary Excellence.
The entire concept of sustainability management is defined as the integrated management of economic, environmental, and social performance, with the goal of creating value for all stakeholders. Almarai considers this an essential part of business excellence.
Water conservation and sustainable farming methods are central to fulfilling Almarai’s growth strategy. Hence the commitment it made in 2011 to invest significantly overseas.
Alongside water conservation, a review of electricity consumption has led to a substantial reduction in the amount of power used by the company’s facilities, further reducing Almarai’s carbon footprint.
Leadership through discipline.
Almarai is an axiom for corporate excellence, consistently returning impressive yields for investors through unwavering focus on performance.
Powerful strands have been woven together over the years to form Almarai’s organizational robustness.
Financial performance and market leadership are the outward proof, but they are the result of Almarai’s underlying institutional strengths.
Leadership starts from the top, and the Board of Directors and executive team set the tone for the entire business. All directors are highly qualified, with experience at the uppermost reaches of private and public sector governance. They bring a discipline born of many years at the forefront of their professions.
At the next level, members of the executive leadership team are hand-picked from around the world, acknowledged as experts in their respective areas of specialization.
Together, Almarai’s strategic and managerial strengths have been instrumental in achieving compound annual growth of close to 20 percent since 2001, giving Almarai shareholders a 22 percent return on investment since 2005, when the company was listed on the Saudi Stock Exchange.
More than 30 percent of sales revenue is reinvested into business development every year, a firm foundation that helps to ensure continuous growth.
Outstanding boardroom and management performance is complemented by a shared commitment from employees – many thousands of well-trained and motivated people who take pride in their work and make an indispensable contribution.
Such capabilities and cohesion at all levels of the Almarai family – from the executive suite to the factory floor – form a unique asset that is admired throughout the business community.
Almarai’s unwavering focus on quality is also vital to creating such strong and familiar brands, and a business that maintains its consistent record of achievement. In recent years, the company has taken on a new international dimension, entering new regional territories and investing in farmland in the Americas and Europe.
Global recognition has come from respected authorities such as Forbes magazine and the Financial Times, both of which have ranked Almarai highly in surveys of the world’s best-performing food and drinks brands.
” Innovation is at the core of Almarai’s strategy. Consumers continue to benefit from high-quality food and beverages produced by a respected and trusted company.” Georges Schorderet Chief Executive Officer
The economy of scale.
As the world’s largest vertically integrated dairy producer, with a vast regionwide distribution network, diverse stakeholders benefit from the scale of Almarai’s business activities.
Almarai’s production and distribution cover the Gulf states, Egypt, and Jordan. Feedstock farms extend to Europe, the USA, and South America.
Almarai is the largest food manufacturer and distributor in the Middle East, with unique regional coverage and market capitalization of more than $12.5 billion. Since 1999 Almarai has diversified into juices, bakery, poultry, and infant nutrition. Between 1996 and 2006, gross sales doubled to $500 million. Since listing in 2005, sales have grown by 543 percent and net income by 396 percent, soaring to more than $3.7 billion since then. Today, total assets exceed $7.3 billion, with more than $4.2 billion invested in capital expenditure over the last five years.
Almarai’s farms occupy tens of thousands of hectares, and produce hundreds of thousands of tons of alfalfa and soybean every year. This feedstock is shipped to Saudi Arabia and the company’s dairy and poultry farms.
The cattle yards provide shaded housing, air cooling, and showers for Almarai’s herd of 170,000 Holstein cows. A team of 160 veterinary professionals tend to the entire herd, including the 200 calves born every day. Each cow produces more than 40 liters of milk daily, totaling around a billion liters annually. Poultry farms operate to the same exceptionally high standards. The poultry processing plant has production capacity of 200 million birds per annum.
Almarai’s manufacturing and processing capabilities are equally important in the company’s constant capacity growth. Capacity is always growing, such as new production lines that turn out 850 bottles of juice per minute. The company’s plant for infant formula is one of the most advanced in the world, with nutrition experts working tirelessly to create market-leading products.
More than 3,000 staff look after transport, warehousing, maintenance, planning, and 89 sales depots. They supply fresh dairy, juice, bakery, and poultry products to over 110,000 retail outlets – achieving 99 percent on-time delivery. At any given time, there are 1,300 Almarai trucks on Middle East roads.
The scale of operations now dwarfs the original 1976 founding concept, which was visionary in seeking to transform traditional dairy farming in Saudi Arabia to meet the needs of the burgeoning domestic market.
Innovation is a strategy for growth.
Almarai’s constant quest for innovative products, operational improvement, and opening new markets illustrates the core principles embedded in the company’s corporate philosophy.
Almarai has three growth strategies: organic growth, product innovation, and geographic expansion.
The ‘Almarai for Innovation Management’ initiative that began in 2009 has been the main pillar in developing dozens of new products under various trademarks in different categories.
Growth has always been at the core of Almarai’s business, and the engine of its success, and it is now considered as greater priority, with a focus on further vertical integration and increasing market share. This applies to all categories – dairy, juice, bakery, and poultry – where organic growth will be supported by targeted diversification and new product development.
In terms of geographic expansion, Almarai entered Jordan and Egypt as prime territories for sales growth in all categories and is also exporting to other markets.
Quality will always be fundamental, joined by sustainability as an essential prerequisite in implementing each of the three strategies.
Almarai is reducing the impact of its production on water resources in Saudi Arabia, applying an ambitious plan to import most of its feedstock in the near future by investing in farmlands overseas.
Investment in farmland in Argentina and the USA has now expanded to Europe, where large tracts have been secured in Poland and Ukraine, along with partners.
The feedstock, comprising more than 600,000 tons yearly, is shipped to Almarai farms in Saudi Arabia. This strengthens the vertical integration of the company and supports its sustainable growth.
Almarai’s three-pronged strategic plan – organic growth, product innovation, and geographic expansion – will enable the company’s return on investment and achievement of economic targets in its various sectors.
Through continuous plans to achieve sustainable growth, Almarai is always conscious of its responsibility towards consumers, investors, employees, and the community as it realizes its commitment to all, with quality that everyone can trust.
|
economics
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https://www.brainnest.consulting/
| 2023-02-06T04:00:43 |
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Clients & employees retention rates
Countries where we provide our services
WHO WE ARE
Brainnest offers the comprehensive capabilities and deep industry knowledge necessary to help you solve the most complex issues of your organization. Since opening our doors in 2020, we’re proud to say that each year we have a bigger list of returning and new clients. We’re Brainnest, and we can’t wait to start working together. We’re eager to map out the needs of your business and provide the necessary tools to achieve a successful future.
From tackling personal decisions to reaching important milestones, our job is to guide you on the path of success. We are fueled by our commitment to excellence and go the extra mile to make sure clients are fully satisfied with our work.
As a professional Business Management Company, we believe in maintaining a positive mindset, creating partnerships with a purpose, and always striving for significant outcomes.
WE ARE COMMITTED TO EXCELLENCE
WHAT WE OFFER
Brainnest provides comprehensible analyses of complex economic issues to assist in understanding the issues and opportunities that companies face. Our Economic Consulting practice is involved in a wide range of engagements related to economics, finance, and accounting. We provide critical insight and expert testimony in legal and regulatory proceedings.
We are well situated to advise domestic and multinational businesses on a variety of tax matters ranging from tax transaction support to best practice process implementation and structuring. Brainnest provides client-centric tax advisory services focused on mitigating tax risk and minimizing cost.
From the back office and research lab to the factory floor and across your entire supply chain, we can help you develop an unconstrained, end-to-end program to transform your operations. We’ll ensure that you focus on the opportunities that maximize competitive advantage and strengthen the connection between operations and strategy.
In today’s world, you have to deliver great customer experiences in order to succeed. We provide the expertise and tools that help you figure out what matters most to customers, and equip your team to deliver delightful experiences while simplifying processes and eliminating costs.
We offer completely unique opportunities for students across the world. Our programs are specifically tailored towards students’ success, combining theoretical concepts with real-world practicality in applying these studies towards their fields. We partner closely with companies who understand that our students are hardworking, dedicated, and think outside of the box.
For clients who need full
accounting support, Brainnest is here to help. Using tools such as QuickBooks, Accounting CS, and UltraTax CS, we can help manage payroll, profit sharing plans, Accounts Receivable and Payable, and any other aspect of your business along with tax preparation at year-end.
We drive transformation and build businesses by bringing together the capabilities needed to help organizations grow and thrive in the digital age. We help our clients harness the power of data and artificial intelligence, modernize core technology and capitalize on new technology, optimize and automate operations, fuel digital growth, create stunning digital experiences, and build digital talent and culture.
In an era of disruption, strategy is more important than ever. We offer creative solutions that have helped companies across the world develop and execute winning strategies. We bring unrivaled capabilities, tools, technologies, and talent to every engagement, augmented by an ecosystem of best-of-breed partners that provide specialized expertise.
The complexity of financial systems and globalization of business processes challenge organizations to preserve and analyze transactional data to identify relevant transactions specific to litigation and to prevent and detect fraud. Brainnest provides an in-depth analysis of financial, operational, and transactional data
HELPING BUSINESSES BLOSSOM
If you also want to cooperate with Brainnest,
feel free to contact us!
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economics
|
https://blog.owntrail.com/fundraising-in-crisis-advice-from-founder-to-investor/
| 2023-03-20T13:02:10 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296943483.86/warc/CC-MAIN-20230320114206-20230320144206-00476.warc.gz
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|
There have been a lot of perspectives shared by VCs about managing startups during the age of Coronavirus, from Sequoia’s Black Swan warning to Haystack’s advice for fundraising during a pandemic. As a first-time founder experiencing a rather jarring beginning to entrepreneurship due to the sudden state of the world, these perspectives have been really insightful and appreciated.
Perhaps due to the power dynamics involved, there has been less advice shared from the entrepreneur perspective. I am a member of several different female founder groups, and am actively raising a pre-seed round for the startup that I am co-founding, OwnTrail. From that vantage point, I wanted to share some advice to investors on behalf of entrepreneurs.
Communication is Key
During the 2008 recession, I remember Zillow’s CEO Rich Barton saying to the company: “It’s times like this that we learn who our true friends are”. Those words ring very true for me today. Every single person is going through a wide range of emotions right now, including fear, sadness and confusion. That’s a given. It’s how we deal with those emotions that really reveals how dependable and resilient a person is.
As founders, one of the biggest things we notice about investors during a time of crisis — and always — is how well they communicate with us. We’re not necessarily expecting a definitive yes or no answer in this time of uncertainty, but we do expect great investors to keep the conversation open as both of us navigate unforeseen complexities.
Investors, if you were in conversations with a founder, had verbally committed to an investment, or were reviewing term sheets, be responsive and let them know where you stand now. This difficult and unprecedented moment in history will eventually pass, and the entrepreneurs who make it out the other side will remember who their true friends were.
Who to Bet On
A big part of deciding to found a company, and deciding to invest in that company, is evaluating and mitigating risks. The interesting thing about living in this new reality is that our usual rubric for risks needs to be recalibrated.
In addition to the somewhat obvious risks around business models (those that rely on in-person interactions and supply chains will now struggle more than those that can be made virtual) and stage of business (early-stage businesses that were planning to be pre-revenue this year will now be less impacted than those with ambitious revenue forecasts), I also suggest a recalibration of what investors look for in founders.
Statistically speaking, the trends in investments tend to skew towards those identities that have a “proven track record” of founding successful companies, which of course creates a self-fulfilling prophecy based on who has been funded historically. There is plenty of research showing the tangible effects that biases and pattern-matching have on investing decisions.
Investors, I would suggest that at an unprecedented time like this (and also… yesterday), you start to place more bets on the founders that haven’t historically been bet on: women and founders of color. We are the ones that haven’t gotten used to anything being handed to us, have had to work twice as hard to prove ourselves, and have the grit and scrappiness to make it through this crazy time. And the date backs that up… BCG found that companies with a female founder generated twice as much per dollar invested. As Tribute CEO and founder Sarah Haggard pointed out, “many female-founded and minority-owned companies live and breathe in a ‘recession’ mindset all year round.”
There is a through-the-roof level of uncertainty and risk in the world right now. How we react to that, and how we value and take care of each other, is going to make the biggest difference in how we emerge from this. Communicate, take the right risks and, most importantly, lift each other up. We’ve got this.
|
economics
|
https://toronto-bulletin.com/volatility-playbook-3-stock-picks-for-conservative-investors/
| 2022-05-16T19:37:12 |
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|
These 3 Low-Volatility Names for a Mixed Market
Investors’ ability to deal with volatility in the markets will ultimately determine their long-term success. We’ve recently been treated to some of the best years in the history of the stock market, which is why many are having a tough time adjusting to the difficult market conditions occurring thus far in 2022. It’s difficult to predict how volatility will continue. However, it is important to have a solid playbook to handle big moves to the upside and take advantage of stocks that perform well in a “risk off” tape.
If you are looking for a place to start when dealing with volatility, it is worth focusing on low beta stocks that have a tendency to be resilient to market downturns. These stocks are great for conservative investors. They provide steady gains over the long-term, so adding shares even if they are pulling back could be a long-term profitable investment.
Below is a list with 3 stock picks that conservative investors should consider to help them understand the type of names they might be interested in adding to this challenging market.
PepsiCo (NASDAQ: PEP)
PepsiCo, a blue-chip company that makes consumer staples like PepsiCo, tends to be resilient in times of volatility. It’s also one of the few bright spots in a market where there is little. PepsiCo is a global leader in food and beverages thanks to its diverse product portfolio. PepsiCo is expected to see organic sales growth as the economy recovers. However, a renewed focus on growing its healthy product lines could provide another growth driver.
Consumer preferences are changing to favor these types of health-conscious snack foods, and PepsiCo’s products like Sabra Hummus, Baked Lays, and Bubly sparkling water tell investors that the company’s management understands the growth potential there. PepsiCo’s defense properties are also great. The company will have demand in any economy. Finally, the company has a 0. 66 beta value, a history of dividend growth, and a share repurchase program make this an ideal pick for conservative investors to consider.
Berkshire Hathaway Inc (NYSE: BRK.B)
Berkshire Hathaway, which is a conservative stock, is a great one to own for its exposure to the insurance industry. Warren Buffett, a legendary investor, is the head of Berkshire Hathaway. This should give investors additional confidence that their capital will be in good hands. Berkshire Hathaway, in addition to insurance, is a holding company offering exposure to financial services, energy retailing, manufacturing and other industries. This is an attractive selling point.
What’s also nice here is that the company generates a ton of cash each quarter t
|
economics
|
http://2daynewsupdates.blogspot.com/2011/05/bipasha-basu-detained-at-mumbai-airport.html
| 2017-03-30T18:35:42 |
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|
Bipasha Basu detained by Mumbai customs department
After Minnisha Lamba, it was actor Bipasha Basu's turn to be intercepted by Customs officials at the Chhatrapati Shivaji International Airport on Thursday.
Basu, who was returning from London, was asked to pay Rs 12,000 as duty after undeclared goods, including sun-glasses, shoes and perfumes worth Rs 65,000 was found in her bags.
“She was not detained. She was asked to pay duty and let off,” said Additional Commissioner, Customs, Mahendra Pal.
“She was going through the green channel. The value of the goods was not significant enough, so we just asked her to pay duty and let her go,” said a Customs official at the airport.
Last week, Lamba ran into trouble with the Customs after she was found to be carrying undeclared diamond jewellery worth Rs 31 lakh.
|
economics
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https://www.markrjohnsongames.com/2021/12/06/urr-0-9-update-buying-selling-trading/
| 2024-04-18T00:20:45 |
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|
Ultima Ratio Regum 0.9 is mostly about procedurally generating the game’s items:
With the item generation itself complete (and with coins and currencies also generating), the next thing was to get items appearing in shops. This meant returning to the code that generates all possible items, and then integrating that with the code for generating a shop; now when a shop is first created the game creates a list of possible items that might appear in that shop from the much wider list of items that civilization creates, and then it puts one on each of the “stall” tiles within the shop. If the list runs out, it then reshuffles the list and “deals” out items again. This means that for some shops you’ll see similar items cycling relatively quickly, such as armour shops for example, while others – such as book shops – continue to produce a large range. Some shops, such as general stores (can spawn any low- or medium-quality item from that civilization), antiques shops (can spawn any high quality item from that civilization), curiosities shops (can spawn any medium- or high-quality item from any other civilization), can therefore have extremely large libraries that cycle around again. In turn, because some shops define particular categories (e.g. “low quality novel”) rather than specific items (a specific low-quality novel), variation can also occur there. In the picture below you’ll see a range of different shops I’ve collected from various places, selling various different sorts of goods. In all cases I’ve tried to make sure the colours of the items are logical for what the item is, and that each category of item has a different character. For example, in the top-left of these you’ll see rings and necklaces (I suspect it is obvious which is which) with the rings in this shop being turquoise, jade, silver, iron, and platinum. The others are necklaces, whose colour (dark grey, silver, gold) again reflects the actual material you see in the image of the item. In the other examples here you can see shops selling armour, various kinds of ammunition, shields, wine, wooden and pottery goods, pocket watches, antiques, ambergris, spices, maps, mining tools, and almost anything else you could think of.
The second step was to get their images appearing correctly. Every generated item naturally has a generated image, and we need to move these out of the separate program I design the graphics in (this being far, far faster than testing them within the game itself) and into the game. This might seem like a totally trivial thing, but in the graphics-creation program all the variables that might lead into the creation of an item are randomised, because in the real game they would be connected to generated civilizations – that don’t exist in the graphics creation program! So every “leadership = random.choice([‘Monarchy’,’Theocracy’,’Representation’,’Stratocracy’])” had to be corrected to “leadership = civ.leadership” for the appropriate civilization, and so forth across every variable (policies, aesthetic styles, home terrain, names of settlements, etc etc etc) that might feed into every possible generated item. This wasn’t particularly cognitively demanding but did take a little while – making the graphics separately and importing them in is still a hundred times faster, even with this tiresome final step, but this did take a little while to fully implement. Nevertheless, with this done, you could then look at any of the items on sale in a shop, and – drumroll! – get a lovely generated image and a little description to go with them. Here I am browsing through a general store:
The next step was to restructure the inventory. When I began working on 0.9 the inventory looked like this…
…and that was fine, but now I had all the items generating, it was immediately clear that some of these categories were going to become absolutely swamped with stuff (i.e. the trade goods category) while others would be relatively lacking, and that this would both generate an interface issue (and an aesthetic one) but would also make it trickier to locate the exact items you want to do something with, at a proper speed. As such, five new categories in the inventory have now been added – “weapons” (melee, ranged, etc), “ammunition” (musket balls, gunpowder, arrows, bolts, etc), “games” (board games, but also more later on), “tools” (pickaxes, shovels, watches, etc), and “survival” (the three basic resources for travelling, i.e. water, food, and supplies), each with an appropriate new icon and the rest of the sequence appropriately re-ordered. (“Keys”, “Notes”, “Scrolls” and “Tablets” do not presently exist, but will be popping up in the future). This then yields this:
With the inventory now updated the next step, of course, was to create the interface for buying / selling / trading. This is a pretty crucial part of the game so I took some time over this. The first thing was to figure out what I could fit into the screen’s size, and although it would have been lovely to fit in a) images of the items you’re thinking of buying/selling, b) images of the currency you’ll be using, c) a list of the items you’ll be buying/selling and how much it’s going to cost you, and d) any comments or questions from the person you are buying/selling from/to, it quickly became clear only three of these could fit and something would have to go. As such, the left side of the screen shows you the item you’re discussing (a) then on the right-hand side you have a list of what you are currently trading (c) and words from the person you’re haggling with (d). You can then look at the various things the person has for sale and select the ones you want, and on the right-hand side the price will update and show you a list of all the things you presently intend to buy. This looks like this in a specialist store…
…and something like this in a store with multiple item categories, e.g. a “General” store, an “Antiques” store, or a “Curiosities” store:
You then select what you want to buy by pressing enter on the items you want, and then when you press enter you are given the option of adding them into your inventory or shipping them to any other nation you are thus far aware of.
Now then, what about trading and selling? Given the lack of fantasy elements and more generally the tone of the game, we’re not going for the sort of in-game inventory where you can hold as much as you want (a la Dark Souls) nor the sort of in-game inventory where your carrying capacity is limited by an essentially arbitrary number of things (a la Dungeon Crawl Stone Soup), nor something where carrying capacity is a matter of the size of your items and organizing them appropriately (a la Resident Evil 4). After a lot of consideration and trying to combine both the interest in some of the detailed trading mechanics I have in mind here, and a degree of realism, and some long-term strategic choices it should be interesting for the player to make, I’ve settled on a two-part inventory system. Half of the inventory is the normal inventory as above, where your character carries items; all items now have a weight value, and over that weight value it takes you twice as long to move around (in-game time, not player experienced time) or three times if you really overload yourself. All items now show how much they weigh. In turn, there is a second value now, size. This value does not relate to how much you can carry, but does relate to how much you can ship to other nations to trade. You can therefore carry items yourself to other places to trade, but the more efficient method is to ship them ahead of you – but this requires advance planning of where you’ll be going next. Each nation has a limited amount of warehouse space it automatically gives you, and this space can be increased by purchasing more room in that state. Then, when you travel somewhere else, you can sell the items you have in your inventory and the items you shipped there. In this regard I was partly inspired by the rise of letters of credit in the European banking system during the Reformation (for a fantastic history of this see the novel “Q”) and also partly by things like the Hawala system, which in a very different way “abstracts” out what is being moved around and traded. I think this system both reaches a high level of realism re: what the player can carry, but also allows for major and distinctive trading mechanics, and encourages strategic thinking re: planning out your future moves, where you’ll need money, where you’ll be able to get money, and so forth.
Aside from this, various other things have also now happened. You can now find currency exchanges in market areas…
…and also when you enter and leave cities, something new now happens! This menu appears…
…and you have the option to just go on (assuming you can afford it, if the city has an entry or district cost), back out, exchange currencies at the border of the city, buy supplies, boost how much storage capacity you have in that city (infinite in your home city), or (later) you’ll be able to fast-travel to some other land location, like taking a ship to another location but instead with a horse, carriage, etc.
(You can see a tiny bit of final polish is needed here, but you get the idea)
Lastly, going back to shops, there is now a complex calculation for how much you can sell things for. Selling something in its home nation will always yield a lower price than it was bought for; nations with protectionist or planned economy policies will give you more money, but nations with free trade or mercantile policies will be far less impressed. In other nations, meanwhile, you are guaranteed as a basis a 15% boost in the sale price of anything you sell, and then many other factors come into play. For example, nations with policies clearly related to the item you’re selling will give you more money, so if you’re selling a history book to a trader from a nation with the “Antiquarian” intellectual policy, then naturally they’ll pay you far more. There are opposites to this, however, so philosophy and history books do not do well in states with the “Populism” cultural policy (it’s almost as if there’s a comment about the real world here). Some of these are complex, for example wine will sell better in a “Monastic” nation but only so long as the wine is of medium or high quality, but not low quality (since the monks have high tastes); while spirits will sell extra well in a “Conscription” nation but only at low and medium quality (since the conscripts can’t afford the highest quality drinks). There are also calculations whereby some nations will be particularly fond of goods from other nations regardless of what is being sold, and that boosts all prices – while other nations have the opposite, and dislike goods from particular places. It’s a complex set of calculations, and I haven’t listed all the factors here, but basically I wanted to ensure that a) it was logical to the player where things would fetch a high price, but also b) that this calculation was something the player would come to uncover in a given world, organically developing a sense of what the particularly good trade routes are.
Oh, and appropriate armour and jewellery and so forth now also appear on NPCs! There are of course many variables that determine what sorts of things they’ll be wearing, and especially what might be on a necklace or a ring that person is wearing, but this nicely adds to the variety of the game world – and, of course, now guards and soldiers are no longer walking around witout any clothes on, which I think we can all agree is a massive improvement.
Right, I think that’s everything for now! This is such an exciting update and I’m really pleased to finally be able to share it. There might be one last update before the actual release, but if not, come back on DECEMBER 31ST for the 0.9 release, and all the procedurally generated items you could ever want!
|
economics
|
http://www.ideg.org/newideg/index.php?option=com_content&view=category&layout=blog&id=30&Itemid=41
| 2017-04-30T14:40:00 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917125654.80/warc/CC-MAIN-20170423031205-00005-ip-10-145-167-34.ec2.internal.warc.gz
| 0.94224 | 472 |
CC-MAIN-2017-17
|
webtext-fineweb__CC-MAIN-2017-17__0__64138121
|
en
|
This program addresses issues of economic and social development policies and their effect on growth, poverty reduction, wealth creation and distribution in the medium to the long-term. Ghana’s rate of economic growth has been projected at 20 percent per annum, as the economy expands into oil and gas production and export from late 2010. What are the implications of such a steep growth, from the current 4-5 percent, for poverty reduction, inequality and sustainable development in the country? The projected growth has raised expectation that Ghana’s aspiration to be a middle-income economy would be met sooner than expected. There are also expectations that such a high level of growth will facilitate the structural transformation of the economy, especially in agriculture, industry and services, strengthen production, create employment, improve the wellbeing of poor farmers, and access to high quality of education at all levels.
However, questions have been raised about whether such growth will also spur the establishment of a democratic developmental state in Ghana and improve natural resource and environmental governance, while bridging the urban-rural and regional development gaps in the country. To address these issues, systematic studies and critical analysis areto be undertaken,under this programme, to improve knowledge and inform the making of cutting edge policy decisions. Taking a rights-based and political economy approach, specific studies are also undertaken to understand trends in Citizens’ and other stakeholders’ participation in economic and social policy formulation and implementation, the crafting of national consensus and influence over policy choices and outcomes, and improvements in public financial management and revenue generation and utilization.
Questions of national ownership of economic and social policies and their impact on national development and social cohesion would are also investigated here. Further, studies are carried out to critically monitor and analyze compliance with the directive principles of state policy (1992 Constitution) in the formulation and implementation of national development plans for the medium and long terms. Against the backdrop of the growth of an emergent economy, this programme also undertakes reviews of global and regional development frameworks, such as Poverty Reduction Strategy Papers (PRSPs), Millennium Development Goals (MDGs) etc. and their impact on Ghana’s relations with the international financial institutions and bilateral donors are monitored. Finally, the effects and implications of the development of regional economic communities and trends towards continental political and economic integration on national development are also critically studied.
|
economics
|
http://mef.net/membership-overview
| 2017-02-25T20:48:02 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-09/segments/1487501171834.68/warc/CC-MAIN-20170219104611-00357-ip-10-171-10-108.ec2.internal.warc.gz
| 0.931398 | 713 |
CC-MAIN-2017-09
|
webtext-fineweb__CC-MAIN-2017-09__0__169671898
|
en
|
With over 200 leading member companies, including 130 service providers, The MEF is a California, USA registered 501 c (3) industry association that is the enabling force for the development and implementation of agile, assured and orchestrated Third Network services for the digital economy and the hyper-connected world. Third Network services are delivered over automated, virtualized, and interconnected networks globally powered by Carrier Ethernet 2.0 (CE 2.0), Lifecycle Service Orchestration (LSO), SDN, and NFV.
CE 2.0 is MEF’s globally adopted services framework and the foundation for new services innovation. The current annual market for Carrier Ethernet products and services is approximately $80B.
The MEF is also facilitating industry neutral implementation environments for service orchestration (OpenLSO) and L2-L7 connectivity services (OpenCS) based on Open Source, SDN and NFV, as well as current commercial PNF products.
MEF’s Certification Programs, established for over 10 years have led to certification of compliance with MEF standards by the majority of the industry’s leading companies within the MEF membership.
Beyond certification, MEF provides a broad range of marketing capabilities that provide MEF member companies of all sizes in all geographic locations with unique, powerful and very cost-effective customer-networking and profile-raising opportunities.
Key benefits of membership for hardware and software solution providers include:
- Advance visibility into relevant industry technical standards developments
- Ability to influence standards to align with corporate objectives
- As a key contributor, achieve thought leadership in front of MEF’s 130+ SP members
- Achieve corporate and individual visibility and recognition via participation in MEF Marketing activities (e.g. webinars and seminars)
- Leverage the MEF global community of peer contacts
- Get your products certified
MEF members include Tier 1,2 and 3 service providers (approx.130), hardware and OSS/orchestration software providers, test labs and test equipment and test software providers. In 2016 and 2017, considerable growth from SDN and NFV technology providers is expected as our work increasingly leverages these technologies.
Membership is geographically dispersed with approximately 50% from North America, 23% APAC, 21% EMEA and 6% CALA. Africa and CALA will lead the regional growth as emerging markets move to interconnect with the global community using standardized CE 2.0 services.
The MEF membership meets quarterly and, between meetings, projects are progressed via a collaborative wiki workspace and online meetings (MEF provisions GoTo Meeting for all projects). Quarterly meetings take place in January, April, July/August and October each year. They are 4 days in duration and take place in North America (x3) and Europe (x1) with typically 150-250 people attending - including leading subject matter experts.
Not only are these very important meetings for influencing MEF work, but also for networking informally with industry thought leaders, subject matter experts in all fields and customers (actual or potential) during our cocktail receptions, corridor meetings and evening dinners. https://www.mef.net/news-events/mef-quarterly-meetings
There is a single category of membership – Principal company membership with an annual fee of $17,250. There are no charges for quarterly meetings or LSO Hackathon participation. There is no limit on the number of participating individuals for a given member company.
|
economics
|
https://620f8f1b9f6a9.site123.me/blog/benefits-of-selling-your-house-to-cash-buyers
| 2022-07-05T16:31:48 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656104585887.84/warc/CC-MAIN-20220705144321-20220705174321-00006.warc.gz
| 0.97772 | 599 |
CC-MAIN-2022-27
|
webtext-fineweb__CC-MAIN-2022-27__0__35566373
|
en
|
Selling your house is never easy. It is even more complicated when you want to sell your house quickly. There are different reasons why homeowners may be forced to sell their homes. If you are relocating due to work-related reasons, or you have built a bigger home for your family. You could also relocate because you want to find a better environment and schools for your family then you have to find a suitable home buyer quickly. In addition, you can sell your home because you have a pending bill and you have no finances to pay for it. In this case, many people choose to sell assets, and a home is such an asset that it can allow you to get fast cash.
There are different ways you can use to sell your home. However, not all are ideal for selling your house fast. Take, for example, if you choose to list your home with real estate buyers. Selling your house can take months or years. You have to follow a procedure before listing and even getting a potential buyer. You will be asked to renovate, change the curb appeal, de-clutter, and many other things that can cost you money and take a long time. If you opt to sell by placing a placard at the front of your yard, this will also take time.
However, this particular option stands out it can assist you in selling your home fast and get the amount you need urgently. This is selling your house to cash buyers. Cash buyers can buy your home within the shortest time possible, and therefore homeowners will not be forced to wait. There are many reasons as to why I would sell my house fast houston texas to cash buyers which is a great option.
First, cash buyers won't ask you to renovate. No painting, no changing the curb appeal. Instead, these experts will buy your home like it is, which is essential and helps you save the spending extra. Another advantage is that they will offer a free evaluation service. You won't have to pay an evaluator to come and assess your home. Instead, the cash buyer will do the evaluation on your behalf for free. You don't have to go through listing your home on different platforms to find a suitable buyer. Instead, the cash buyer will find a qualified buyer within a short period, eliminating any delays. This saves you time and the energy you would have spent looking for a suitable home buyer, negotiating the buying price, etc.
Another advantage of trusting cash buyers is that these experts do not charge any fee for their service. Instead, they help you to sell your home fast for free. Selling your home has never been this easy. You will be able to sell your home and get the amount you need quickly. Again once you sell your home to the cash buyers, they pay you in cash. You don't have to wait any longer to get the amount you need. You get the amount the same day or in less than one week.
|
economics
|
http://pingchai.com/
| 2024-02-21T00:36:15 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473360.9/warc/CC-MAIN-20240221002544-20240221032544-00700.warc.gz
| 0.96179 | 146 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__110993822
|
en
|
Zhejiang Pingchai Pump Industry Co., LTD was founded in 1991. is located at No.15 Huancheng West Road, Pingyang County, Wenzhou City, Zhejiang Province. Pingchai as a manufacturer specialized in manufacturing and developing engine oil pump for passenger cars and commercial vehicles. The company covers an area of 20 acres with buildings area of 20,000 square meters and more than 200 employees. Pingchai has a research and development team with over 30 years of professional production experience, more than 200 advanced flexible manufacturing equipment and professional testing equipment. With an annual production capacity of 1 million oil pumps, it provide high-quality oil pumps for international market and service for OEM customers in domestic market.
|
economics
|
https://ru-news.ru/hollywood-replaced-with-bollywood-in-russian-theatres/
| 2023-03-20T15:28:07 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296943484.34/warc/CC-MAIN-20230320144934-20230320174934-00616.warc.gz
| 0.960668 | 663 |
CC-MAIN-2023-14
|
webtext-fineweb__CC-MAIN-2023-14__0__60967369
|
en
|
Russia Looks Elsewhere For Movie Entertainment
Despite the tumultuous history of Russia with the West, Hollywood blockbuster movies have nevertheless created a profitable industry in the country over the past decades. Now, with mounting sanctions cutting off trade and a boycott by Hollywood and western film industries, some of Russia’s biggest cinemas chains have announced that they will be showing a different line-up in movie entertainment. This will include domestically produced content, as well as movies from India, South Korea, and Latin America.
President of the Karo cinema chain, Olga Zinyakova, told Russian newspapers that she doesn’t believe the current situation to be hopeless. After all, she says, Russian audiences have proven to have shown great interest in Bollywood films over the decades. South Korea and Latin America have likewise become major players in the global film industry.
Foreign films have long accounted for around 75 percent of the Russian box office, with cinema-going one of the most popular leisure activities of the general public.
Khwaja Ahmad Abbas’s 1949 film, Dharti Ke Lal, was the first Indian film to be dubbed into Russian and viewed at Russian cinemas. However, it was in the mid 1950s, during the era of actor-director Raj Kapoor, that Indian movies became steadily more a staple of Russian cinemagoers. By the time of the collapse of the USSR, over two hundred Indian films had been screened around the country. Often, they proved to be among the most successful of foreign films or remakes, racking up millions of ticket-sales.
The 1972 film “Seeta aur Geeta”, for instance, a story about twins separated at birth and happily reunited later in life, became so popular in Russia, that a famous pair of Siamese twins born in Kyrgyzstan were given the names Seeta and Greeta by their parents. Former deputy prime minister, Vladislav Surkov, once alsoopenly admitted his love for Indian cinema.
Russia has also been showing a keen interest in securing diplomatic relations with many South American countries in recent years, such as Nicaragua, Venezuela, Cuba, Brazil and Argentina. This has lead to various partnerships in Russian and Latin American film and television, such as the recent collaboration between Russian production powerhouse, Central Partnership, and the Latin American film group BF Films.
The growing success of South Korea’s film industry has also been producing a wealth of quality cinema recently, with Bong Joon-ho’s 2019 film “Parasite” receiving multiple awards, including an Oscar, at film festivals all over the world in all the most distinguished categories.
With Hollywood holding far less of a monopoly over international cinema than it has in past decades, the Russian cinema industry hopes that the combination of the world’s other film industries, as well as their own, will suffice to satisfy Russian audience during the troubled times ahead.
The leading cinema chains and theatres include Cinema Park, Formula Kino, Premier Hall, Karo, and Kinomax. Even though their film profile will be changing like the numbers in the bingo Australia offers, they are vowing to keep the prices of tickets at a low and affordable level.
|
economics
|
https://canadianfuturestrader.ca/bulenox-withdraw-payout-process/
| 2023-09-23T23:51:10 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506539.13/warc/CC-MAIN-20230923231031-20230924021031-00144.warc.gz
| 0.948023 | 1,329 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__289287067
|
en
|
Bulenox payouts and Bulenox withdrawals are fairly simple. All the details are below. In summary, your first few months you will be able to withdraw but with some caps on the amount. After month four you can withdraw as much as you can make!
Bulenox is looking to build long term relationships with futures traders, and I highly recommend them.
I always recommend visiting Bulenox and reading their rules before joining. While I do my best to keep my site up to date, if the rules change ultimately what Bulenox has on their website is what matters.
Bulenox Profit Split
The first $10,000 earned is 100% the traders.
Thereafter $40,000, Bulenox keeps 20% of the profit the remaining 80% is received by the trader.
After the withdrawal of the first $50,000, the Bulenox keeps 10% of the profit, the remaining 90% is received by the trader.
Bulenox’s percentage is charged at the time of transfer of funds to a personal bank account.
Bulenox Payments and Withdrawal Requests
Payment can be requested anytime during the calendar month. All payments are processed on the 1st and 16th day of every month.
The request for the 1st payout can be performed after Trader has traded for at least 20 or more individual trading days. A request for the 2nd and 3rd payments can be performed after the Trader has traded at least 12 individual trading days after Trader’s last withdrawal. 4th and subsequent payments can be requested anytime.
The minimum withdraw of 1-3 payments is $1,000. (For $10,000 account the minimum withdraw is $500) The maximum withdraw amount depends on the account size:
- $25,000 account – $1,000
- $50,000 account – $1,500
- $100,000 account – $1,750
- $150,000 account – $2,000
- $250,000 account – $2,500
Bulenox Withdraw and Payment Methods
Bulenox withdrawals can be requested via ACH/Wire Transfer, Paypal, Zelle, Payoneer.
Bulenox Safety Threshold
The withdrawal safety threshold reserve is defined as the minimum amount required to remain in the Trader’s Account to be able for withdraw.
- 50,000 Account – $2,600
- $100,000 Account – $3,100
- $150,000 Account – $4,600
- $250,000 Account – $5,600
Subject to the provisions of Master agreement with Bulenox, Trader is entitled to withdraw safety threshold reserve upon the termination of Master agreement.
Bulenox and Income Taxes
When a trader requests a withdrawal, a tax form will also be sent to pay taxes to an address that has been provided in the personal profile.
Traders who trade and receive payment on the Master Account are independent contractors. Form 1099-Misc Non-Employee Compensation will be mailed for US citizens or W-8BEN for foreign citizens.
Bulenox Advanced Trading and Custom Trading Accounts
The Master Account intended for advanced training and paid based on performance. Traders with proven results-oriented for a long-term relationship would receive on an individual basis a unique offer from our capital partners. The conditions and terms are discussed individually with each trader. The trader has a choice to continue to trade on the Master Account or to be transferred to our partners’ account.
Be Notified Of New Trader Evaluation Promotions
Submit your email if you want to be notified of new trader evaluation promotions. I never spam nor sell anything. Usually 2-3 emails a month are sent with the latest deals.
Futures and forex trading contains substantial risk and is not for every investor. An investor could potentially lose all or more than the initial investment. Risk capital is money that can be lost without jeopardizing ones’ financial security or life style. Only risk capital should be used for trading and only those with sufficient risk capital should consider trading. Past performance is not necessarily indicative of future results.
Hypothetical Performance Disclosure:
Hypothetical performance results have many inherent limitations, some of which are described below. No representation is being made that any account will or is likely to achieve profits or losses similar to those shown; in fact, there are frequently sharp differences between hypothetical performance results and the actual results subsequently achieved by any particular trading program. One of the limitations of hypothetical performance results is that they are generally prepared with the benefit of hindsight. In addition, hypothetical trading does not involve financial risk, and no hypothetical trading record can completely account for the impact of financial risk of actual trading. for example, the ability to withstand losses or to adhere to a particular trading program in spite of trading losses are material points which can also adversely affect actual trading results. There are numerous other factors related to the markets in general or to the implementation of any specific trading program which cannot be fully accounted for in the preparation of hypothetical performance results and all which can adversely affect trading results.
You can read more here: Risk Disclosure
The external links on my site and in my video descriptions to trader evaluation companies and software companies are primarily affiliate links. I earn a commission from these companies on any sale made from people visiting these links. That said, I only recommend companies and software I personally use and actually do recommend. Believe me, I turn down a lot of companies who approach me. You can read my full Affiliate Disclosure here.
The content provided is for informational purposes only. I do my best to keep the content current and accurate by updating it frequently. Sometimes the actual data, rules, requirements and other can differ from what’s stated on our website. CanadianFuturesTrader.ca is an independent website. You should always consult the rules, faqs, knowledge base and support of any of the websites and companies we link to or talk about on our site. The information on their site will always be what ultimately dictates the current rules of their program, software or other. While we are independent, we may be compensated for advertisements, sponsored products, or when you click on a link on our website. The contributors and authors are not registered or certified financial advisors. You should consult a financial professional before making any financial decisions.
|
economics
|
http://priorymethodistchurch.org.uk/church-life/each-week-at-priory/restawhile
| 2017-11-22T19:56:37 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-47/segments/1510934806660.82/warc/CC-MAIN-20171122194844-20171122214844-00565.warc.gz
| 0.960877 | 378 |
CC-MAIN-2017-47
|
webtext-fineweb__CC-MAIN-2017-47__0__46498223
|
en
|
In 1969 a group of people got together and decided that the church could be used to benefit the town by offering a tea and coffee service.
On 2 January 1970, Priory Rest-a-While opened its doors for the first time, offering tea and coffee with a biscuit, to senior shoppers at a reasonable price.
Today Priory Restawhile is still going strong, offering tea and coffee including decaffeinated, in large or small cups with a biscuit, or you might like a Hot Chocolate or a nice cool orange juice. We now open our doors to ALL shoppers, any age, and our prices are still reasonable.
Restawhile has become a place not just to get a cup of coffee from but it’s also a place to meet with friends and have a chat, or to come in and have a chat with the servers, it’s a place that you can come to feel welcome and cared for. If you visit us for the first time please introduce yourself to us, you will be sure of a warm welcome.
Recently Restawhile has become a supporter of Fair-trade products, all our tea, coffee, hot chocolate and sugar is Fair-trade. Fair trade seeks to transform the lives of poor producers in the developing world by enabling them to use their skills and resources to trade their way out of poverty.
Fair trade sets out to:
• create opportunities for poor producers
• ensure trading practices are fair, both in terms of payment and
• ensure that children are not being exploited
• ensure there is no discrimination
• ensure working conditions are safe.
Fighting Poverty through Trade.
Restawhile is open on market days (Tuesday, Friday and Saturday 10.00am - 11.45am), come and have a rest and join us for a cuppa.
|
economics
|
https://steepedmonkeybrains.com/products/smok-tfv8-baby-coils
| 2022-09-27T19:15:44 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030335054.79/warc/CC-MAIN-20220927162620-20220927192620-00716.warc.gz
| 0.908128 | 287 |
CC-MAIN-2022-40
|
webtext-fineweb__CC-MAIN-2022-40__0__67338020
|
en
|
SMOK TFV8 Baby/Mini Coils
Vaping Excise Tax coming October 1st
Vaping products containing nicotine will now be taxed in Canada as of October 1st, 2022.
+ Eliquids produced/imported BEFORE Oct 1st will not be taxed.
+ Eliquids produced/imported AFTER Oct 1st will include the new vape tax.
Not all products will see a price increase immediately. As old stock sells through, new stock will reflect the new price with tax.
Stock up now before prices start to increase in October!
Click here for more details about the Canada Vape Tax.
Replacement coils designed for the Smok TFV8 Baby. Not compatible with the original TFV8.
Baby V2 S2 (Now called "Mini")
- Quadruple Mesh - 0.2ohm
- 30W - 70W (Optimal At 45W - 60W)
- Designed for the Smok Stick V9
- Sold in 3/pack
- V8 Baby-Q4 (Now called "Mini")
- 30-65W (Optimal 50-60W)
- Designed for the TFV8 Baby/Big Baby Beast
- Sold in 5/pack
*X-Baby Coils, Baby V2, and Baby coils are not cross-compatible.
|
economics
|
https://en.alfanotv.com/apps/what-is-bitcoin-btc/
| 2023-05-30T12:05:54 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224645595.10/warc/CC-MAIN-20230530095645-20230530125645-00454.warc.gz
| 0.955197 | 588 |
CC-MAIN-2023-23
|
webtext-fineweb__CC-MAIN-2023-23__0__210567092
|
en
|
Bitcoin is an electronic currency that allows payments to be made through the Internet and is characterized by the fact that it does not depend on a central entity, and can be transferred directly from person to person without intermediaries.
Its rapid expansion has caused it to be accepted to pay for services and consumption in businesses throughout much of the world. Even formal banking has already begun to treat it as one more asset.
The technologies that support Bitcoin
For its creation, different digital technologies were brought together, including cryptography and P2P network technology, but one of those that gives it security and reliability is Blockchain technology.
What is Blockchain?
The Blockchain is an advanced mathematical system that acts as an infallible accounting system for all transactions made with the currency.
Blockchain is essentially a decentralized and public database that stores transactions made with bitcoins.
The entire history of transactions is replicated in each of the computers that participate in the Blockchain and is validated by themselves through complex mathematical operations.
Cryptography and a chain of blocks intervene in this validation, which gives its name to Blockchain technology and makes the accounting book unalterable.
How does Blockchain work?
From an original transaction, a record (block) is created for each new subsequent transaction. This block includes a timestamp, a fingerprint strongly protected by cryptography and also refers to the fingerprint of the previous block so they are connected to form a chain.
At the end of a validation process, the block chain (the accounting book) is automatically updated throughout the Blockchain network, making it almost impossible to falsify it without the consent of the other participants.
But what is a bitcoin?
Both the currency and the protocol (software) to create it were devised by an obscure character named Satoshi Nakamoto whose whereabouts are currently unknown. His objective was none other than to encourage money transactions without the intervention or control of an intermediary entity.
Bitcoins are generated by an activity known as mining and that works within the platform. This activity consists of validating transactions in exchange for a reward in the same currency or fractions thereof. Once these new units are generated, they are placed on the market.
The first transaction (genesis block) generated by the Satoshi Nakamoto gave a reward of 50 BTC (bitcoins). From this movement of money, the following mining activities began within the platform, always based on Blockchain technology.
How much is a bitcoin worth?
The current value of this cryptocurrency, also named after the cryptographic systems that protect it from counterfeiting, fluctuates based on supply and demand. However, it is estimated that in 2025 it will cost $100,000.
If you want to know its current value, you can use various bitcoin calculators that work online. For this, just do a search on Google, Bing, Yahoo or the web search engine of your choice.
Image by 3D Animation Production Company from Pixabay
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economics
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http://www.manlikebeast.com/2018/11/
| 2019-06-24T08:46:13 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-26/segments/1560627999298.86/warc/CC-MAIN-20190624084256-20190624110256-00475.warc.gz
| 0.949997 | 1,667 |
CC-MAIN-2019-26
|
webtext-fineweb__CC-MAIN-2019-26__0__55620533
|
en
|
# 1 Invest the money you do not need
The fatal mistake is to invest the money you need. Imagine that you have a sum of money to finance your retirement or to buy your home.
What would be your state of mind when you put this money on the stock market with the risk of losing everything. You will have such pressure that you will be unable to reason properly and keep your cool.
At the slightest complication, you will not even wait for your invalidation threshold to sell your positions. Thus, you will accumulate small losses which, put end to end, will end up seriously starting your capital of departure .
Never forget that investing in the stock market can be very risky because you could lose all of your starting capital . There are even financial instruments like futures contracts that can make you lose even more than the starting bet. You will understand then that it is totally inadvisable to go into debt to invest in the stock markets.
# 2 Clarify your expectations and goals
clarify his investor profileBefore you start trading , you have to ask yourself about your expectations and objectives. Is it to make capital grow for your retirement, to pass it on to your children or simply as an alternative to saving no more money?
Personally, my goal is to invest a small seed money that I do not use in an immediate project. This capital is reserved for my stock market investments and will not be used for other purposes. I place this money on the stock market to make it grow according to my own trading strategy based on the technical analysis of stocks and trackers.
You will also need to determine the period of time you will invest. Is it a medium-term investment over a few years or a long-term investment over 10 years?
It is important to answer these questions because the answer is decisive in the selection of the financial product and the investment method . Indeed, if you only have capital for one or two years, it is not appropriate to invest in government bonds that are often preferred for long-term investments. You will not adopt either an investment method based on fundamental analysis because it only bears fruit on long terms (3, 5 or even 10 years).
# 3 To get started on the stock market, define your investor profile
Once you have clarified your expectations and objectives, move on to the next step and define your investor profile. There are two big schools to invest and start trading well.
The fundamental analysis is based on the interpretation of accounting ratios and financial (to compare companies among them) to identify investment opportunities (eg the price / earnings ratio).
You invest for the medium to long term in the hope of gaining capital gains and dividends . Fundamental analysis is particularly recommended if you are investing for the long term.
Indeed, the fundamental analysis is to bet on the performance of a company , the marketing of a product or a service or the restructuring by a competent management .
In other words, the results can take several years to appear and have a positive impact on the company’s stock price.
The technical analysis is to identify opportunities starting from the graphical analysis of the current and the interpretation of technical indicators . This is the investment method that I chose because it offers the advantage of investing also in the short-term, the medium-term and even in the longer term.
Technical analysis is a very personal investment method because you can build your own strategy . It is suitable for both aggressive traders and less risky investors.
know your investor profileIf I had to define my own investor profile? It is obvious that I am a short-term investor. I usually keep my positions for several weeks but rarely more than two months. I use exclusively technical analysis, chartism (study of stock charts) and Japanese candlesticks (graphical indicator). The latter are also very useful because they allow me to analyze the psychology of the market on highs or lows. They are often fearsome for identifying buying or selling signals.
The technical analysis allows me to identify trends market and confirm my position. In addition, the chartism gives me indications on the psychology of the stock markets. Thus, I can anticipate over several weeks the realization of a chartist figure and take a position accordingly.
# 4 Write a trading plan
You now know your investor profile, it only remains to plan your investments ! Prepare a trading plan that will clearly reflect your objectives, your investor profile and your investment method.
Define which financial product you are going to treat and hold a watchlist . It takes the values that you think have significant potential. It is based on this list that you will trade when the stock markets are open.
My trading plan can be summed up in a little notebook that I always have at my disposal. I detailed my trading strategy, the technical indicators that I use and the conditions necessary to proceed with the purchase:
3-moving average bullish configuration : The 5-day moving average is above the 20-day moving average, which is also higher than the 50-day moving average.
The RSI indicator that measures real profits online buying or selling pressure must be bullish. Graphically, this indicator bounded between 0 and 70 must be greater than 40.
The stochastic oscillator should be bullish (the signal line% K is greater than the slow curve% D) and should be above 30.
Courses in the high range of Bollinger Bands
Too often, I forgot to write down the reasons for placing an order on the stock markets. This made any exercise of hindsight and improvement impossible. I understood that it is imperative to learn from his mistakes and I am now improving my trading strategy for several years by analyzing each of my orders a posteriori.
Finally, at the close of markets, I maintain my watchlist . This includes all the values that seem promising from a technical analysis point of view. I monitor them closely, annotate the course graphics and indicate the conditions that would push me to buy. It becomes very easy to refresh this list daily and remember when to invest in value.
# 5 Manage the risk of your stock market portfolio
A stock market must be diversified, ie you have to vary your investments in different sectors of activity and possibly in different economic zones. However, we must not fall into the other way through which would be to multiply the positions in the portfolio. In general, a stock market portfolio contains between 8 and 12 stocks .
In addition, set your maximum risk of loss over your entire portfolio (for example 2%) and replicate this risk on each position to maintain control over your potential losses. The money management allows you to properly arbitrate your wallet.
My stock market portfolio consists of a maximum of 7 to 8 stocks . I do not want to dilute the performances of positions that I consider promising.
In addition, I want to focus totally on these few positions and analyze day after day their performance and the validity of my approach. As far as my risk aversion is concerned, I assume that a risk / benefit ratio should be at least greater than 2 .
First I calculate my target price and my invalidation threshold and finally, I control the risk / benefit ratio. This is the only way to know if the game is worth the effort.
These few principles will help you get started on the stock market and avoid the most common pitfalls. Here are some tips that I think are effective, but it’s up to you to define your own approach and your trading strategy. Starting on the stock market takes time but one or two hours a day will already be enough to seriously constitute a stock market portfolio.
Do not forget to share blogs or forums with the traders community to benefit from their experience. Also share your successes or failures with other trading enthusiasts.
Thanks to Maxime for this article which I hope will have enlightened you a little more on stock market techniques, especially on technical analysis. I particularly enjoyed sharing his graphical analysis techniques and the indicators used.
If you want to continue on this topic you can read the article Learn the stock market on the blog . You do not feel ready yet to get into this field but you are looking to make money on the internet, go to the article to make money online .
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economics
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http://www.sheetpilingservices.com/
| 2022-01-23T05:56:21 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-05/segments/1642320304134.13/warc/CC-MAIN-20220123045449-20220123075449-00376.warc.gz
| 0.92116 | 101 |
CC-MAIN-2022-05
|
webtext-fineweb__CC-MAIN-2022-05__0__153362238
|
en
|
Sheet Piling Services, LLC
Founded in 2015 in Rosholt, WI by John and Brian Ostrowski. SPS specializes in the installation and removal of sheet piling across the United States. Our founding members have over 65 years of construction experience with over 30 of those years within the pipeline and sheet piling industries. SPS employs dedicated professionals with high levels of experience in the construction and sheet piling industry. We provide knowledgeable, economical, and safe service while developing and maintaining strong business relationships.
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economics
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https://bayfieldcounty.wisavetogive.com/closing.html
| 2024-04-14T10:36:11 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816879.25/warc/CC-MAIN-20240414095752-20240414125752-00549.warc.gz
| 0.944049 | 825 |
CC-MAIN-2024-18
|
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|
en
|
You’ve found your perfect second home, so let’s walk through what happens over the next couple of weeks. Just a few more steps before you step through the door of your Pacaso!
The path to closing
Reserve your share
Pacaso schedules a call to kick off your closing. You’ll sign the residential purchase agreement and addendum. You’ll receive instructions on how to wire your deposit, which is 10% of the share price.
Review and sign documents
You’ll receive two packets of documents to review and sign. The first includes the house policy, program manager agreement, inspection report and seller disclosures. The second has the operating agreement and ACH form for monthly operating expenses.
If you are financing a portion of your purchase, you must provide Pacaso with your most recent pay stub, bank statement and tax return. In addition, you will need to supply a credit report authorization.
Prepare for closing
Pacaso schedules a check-in call 5 days before closing. We’ll review your closing statement and wire instructions for sending the remaining funds. We’ll confirm all documents are signed and verify your first stay date.
Congratulations, you are now a Pacaso owner! It’s time to crack open the champagne and share the good news about your second home with your family and friends. Now, just one more step.
Following closing, schedule an onboarding session with your home manager. Download the Pacaso app so you can start booking your stays, and get ready to enjoy your new second home!
What to expect as an owner
Our support doesn't end at closing. Pacaso takes care of your home, so you can just show up and relax. Our ongoing services include property management, bill payment, maintenance and more. Owners are responsible for the home's monthly operating expenses, such as utilities and cleaning. Pacaso passes these costs through to owners, with no markup, based on the number of shares owned. We charge a $99 monthly fee for our management services.
Are closing costs included in the price?
Yes, real estate closing costs, such as title fees and commissions, are already included in the share price. If a buyer chooses to finance up to 70% of their purchase through Pacaso’s banking partners, an additional financing fee will be assessed at closing.
Does the Pacaso program management fee go up each year?
No, our program management fee is a fixed $99 per month.
Can Pacaso make changes to the owner operating agreement?
Material changes require an ownership vote. Pacaso has limited authority to make non-material changes (e.g., change of address for state reporting purposes) on behalf of the ownership group.
Can Pacaso raise monthly operating expenses?
All operating expenses are passed through at cost, and all cost statements are available to owners upon request. Pacaso cannot increase its fees without cause. As the LLC manager, we will only increase what is collected from owners as necessary to cover a change in household expenses (e.g., an increase in insurance rates).
Where do the reserve funds go and how are funds used?
Reserve funds are held in the individual LLC's bank account, managed by Pacaso. Funds are only used for the home’s repairs and maintenance. When the need for a major repair arises, Pacaso will allocate funds after a transparent competitive bid process.
What if another owner defaults? How does Pacaso protect me as an owner?
Pacaso serves as the corporate guarantor of any share financing protecting you should another owner default. In the unfortunate event of an owner default, Pacaso will step in to service the loan. If not resolved within 90 days, we will foreclose on that specific share and manage the resale without any disruption to the ownership group.
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economics
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https://myandroid1.com/apple-sees-iphone-revenues-fall-in-q1/
| 2020-08-09T16:28:09 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-34/segments/1596439738562.5/warc/CC-MAIN-20200809162458-20200809192458-00039.warc.gz
| 0.938395 | 1,084 |
CC-MAIN-2020-34
|
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|
en
|
Apple on Thursday reported revenue slipped because it boosted income from companies and wearables in a pandemic-cobbled begin to the yr for the iPhone maker.
Apple Sees iPhone Revenues Fall in Q1
Revenue dipped to $11.2 billion (roughly Rs. 84,800 crores) on gross sales of $58.Three billion (roughly Rs. 4.41 lakh crores) within the fiscal second quarter, in comparison with internet earnings of $11.7 billion (roughy Rs. 88,600 crores) on income of $58 billion (roughly Rs. 4.39 lakh crores) in the identical interval a yr earlier.
“Regardless of COVID-19’s unprecedented world influence, we’re proud to report that Apple grew for the quarter, pushed by an all-time report in companies and a quarterly report for wearables,” chief government Tim Cook mentioned in an earnings launch.
Apple shares had been down greater than two % in after-hours trades that adopted the discharge of the earnings figures.
Income from iPhones — the massive earnings section for Apple lately — dropped some seven % from a yr earlier to $29 billion (roughly Rs. 2.18 lakh crores) in an interval the place smartphone gross sales have been sagging.
“Everybody knew that March could be tough for Apple, however, given the results of coronavirus on provide chains in China and demand all over the place, Apple’s efficiency was fairly stable,” mentioned eMarketer analyst Yoram Wurmser.
“On this atmosphere is spectacular, notably given a few of the extent of Apple’s publicity to the sooner lockdowns in Asia.”
The pandemic hit Apple on a number of fronts, disrupting its suppliers in China and the funds of its clients.
Prepare dinner mentioned throughout a name with analysts that Apple feels its provide chain rebounded nicely from the pandemic disruption and that whereas it would “tweak” it with classes discovered it was not planning any dramatic shift from counting on companions in China.
“In the event you have a look at the shock to the provision chain that passed off this quarter, for it to come back again up so shortly actually demonstrates that it is sturdy and resilient and so I be ok with the place we’re,” Prepare dinner mentioned.
“That mentioned, we’re all the time taking a look at tweaks.”
Apple was on tempo for a report monetary quarter earlier than the pandemic derailed lives and economies, in accordance with executives.
Apple noticed clients return to its shops in China after they had been re-opened in March, however foot visitors is lower than it was previous to closures, Prepare dinner mentioned.
With its provide chain “again up and operating,” Apple was optimistic that gross sales exterior China will acquire momentum as restrictions on individuals’s actions are lifted.
Distant work and studying traits have ramped up curiosity in iPads and Mac computer systems, and Apple is seeing revved demand for digital choices similar to music, streaming tv, apps, and cloud companies, in accordance with chief monetary officer Luca Maestri.
“Clients are actively participating with our ecosystem and digital companies,” Maestri mentioned.
Income from Apple companies grew 17 % within the quarter to an all-time excessive of $13.Three billion (roughly Rs. 1 lakh crores).
In the meantime, Apple smartwatches with options similar to heart-rate monitoring are being utilized in telemedicine, together with iPads, in accordance with Prepare dinner.
“In gentle of the COVID-19 pandemic, a worldwide lockdown, with shops closed throughout the globe we might characterize these outcomes as a significant feat in a darkish storm,” Wedbush analyst Daniel Ives mentioned in a observe to traders about Apple earnings.
In early April, Apple unveiled a brand new entry-level iPhone, aiming to enchantment to shoppers dealing with a out of the blue bleak financial backdrop.
The up to date iPhone SE has a beginning worth of $399, or lower than half the worth of its flagship gadgets.
The premium smartphone market, the place iPhones dominate, has been “saturated” for some time and other people have been ready longer to improve to new fashions which have lacked modifications dramatic sufficient to encourage spending.
The pandemic “wreaked havoc” on the smartphone market throughout the first three months of this yr, with total shipments falling 13 % to 272 million models, in accordance with business tracker Canalys.
“Demand for brand spanking new gadgets has been crushed,” mentioned Canalys senior analyst Ben Stanton mentioned of the smartphone market.
“Poor enterprise outcomes, worker redundancies and furloughs are inflicting quite a lot of nervousness and uncertainty.”
In a presence of confidence, Apple’s board of administrators accepted placing one other $50 billion (roughly Rs. 3.78 lakh crores) of the corporate’s money reserves towards shopping for again shares and bumped up the dividend to 82 cents per share of widespread inventory.
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economics
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https://primeoffer.com/homebuyers-cut-competition-offering-cash/
| 2021-04-20T19:38:54 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618039490226.78/warc/CC-MAIN-20210420183658-20210420213658-00429.warc.gz
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|
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|
Homebuyers are finding one way to win the real-estate bidding wars popping up throughout central Ohio: pay in cash.
The percentage of central Ohio homes bought without a mortgage has risen dramatically the past few years as the housing market has regained footing.
According to the real-estate information service RealtyTrac, more than four in 10 central Ohio homes bought in the first quarter of 2014 were paid for with cash — twice the percentage reported a year ago.
Corporate investors, who buy homes to rent to tenants, account for most of that activity, especially last year when they paid cash for hundreds of central Ohio homes sold by Fannie Mae and Freddie Mac.
But even among routine listings, bought by owner-occupants, the number of cash transactions has skyrocketed.
According to the Columbus Realtors trade group, 24.6 percent of central Ohio homes sold this year through the Multiple Listing Service have been cash sales — well above the 8.5 percent seen a decade ago.
Retirees, downsizing from larger homes, help drive such purchases.
But also fueling the cash fire are buyers seeking leverage in case they end up in a bidding war for a home. Sellers typically prefer cash buyers because their offers have fewer strings attached that can slow down a deal, such as financing or an appraisal.
About a year ago, when the market started heating up, Michelle Santuomo, an agent with RE/MAX Metro Plus in German Village, began recommending that clients pay in cash when able.
“One of the things I’ve expressed with my clients is, ‘If you have the cash available, that will make your offer that much stronger. You can always go back and take out a mortgage after, but if you want to get this deal done, you might want to consider paying in cash.’ ”
Santuomo estimates that she has represented 10 cash buyers in the past year, most of them investors, but some of them were clients looking for an edge in a bidding war.
She recently represented a woman shopping for a condominium in sought-after areas of Grandview Heights, Upper Arlington and the Short North. After discussing the market with her client, the woman’s parents agreed to buy the condominium and sell it to their daughter.
Santuomo thinks the cash offer made the deal possible.
“They did get into a (bidding) situation and won the deal. I think the cash made the difference.”
A professional caretaker who paid cash on Wednesday for a Groveport house also thinks cash helped her secure the deal. The woman, who asked not to be identified, landed in a bidding war for the three-bedroom ranch listed for $49,000.
She ended up offering $61,000 in cash for the home, which was sold for less than the mortgage balance and therefore required the approval of the former owner’s bank.
“I know the bank wanted someone paying in cash,” she said.
She moved into the home on Thursday and kept her previous home for her sons to live in.
She’s now looking for other homes to buy and expects to again pay cash, part of which she accumulated through a recent inheritance.
“I don’t want any mortgage, any bills coming in,” she said. Most cash buyers, however, aren’t carrying thousands of dollars in their pockets — or their savings accounts. Like Santuomo’s client, they might borrow from families or draw on home-equity lines or other sources to make the deal, often with the expectation of getting a mortgage later.
Andrew Show, with Buyer’s Resource Realty Service in Worthington, said he is working with clients using a home-equity line to buy a condominium for their son with the intent of refinancing the property later.
Milt Lustnauer, a RE/MAX Premier Choice agent and this year’s president of Columbus Realtors, has been involved in similar deals.
“Mom and dad and family members are stepping up to offer cash … and later going back and refinancing instead of making the offer contingent upon financing,” said Lustnauer, who said he’s handled four cash transactions in the past 30 days.
RealtyTrac found that 42.7 percent of U.S. sales during the first quarter were cash transactions, but the percentage ranges widely from city to city.
Metropolitan areas that attract a lot of retirees or vacation-home buyers see a lot of cash deals. In several Florida cities, cash accounted for 60 or even 70 percent of sales during the first three months of the year, according to RealtyTrac.
Also experiencing a lot of cash deals are metro areas such as Toledo, Detroit, Atlanta and Memphis, where housing is relatively cheap and investors are active.
RealtyTrac Vice President Daren Blomquist said the percentage of cash deals appears to be declining a bit this summer, but he and others expect cash to play a major role in the housing market for the foreseeable future.
“I think we’re going to see kind of the same market for cash over the next 12 months until there are some loosening lending restrictions, particularly around allowing more first-time homebuyers into the market,” Michael Mahon, the general manager and executive vice president of HER Realtors, said.
Santuomo also thinks cash buyers will remain a big part of the market, at least until enough homes are offered for sale that bidding wars decline.
“Obviously not everyone’s able to buy things in cash, but in this market, you have to be willing to put your best foot forward if you want to buy a home.”
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economics
|
http://www.securitiescep.com/how-to-get-a-mortgage-when-youre-self-employed/
| 2021-04-16T10:45:13 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618038056325.1/warc/CC-MAIN-20210416100222-20210416130222-00162.warc.gz
| 0.964882 | 534 |
CC-MAIN-2021-17
|
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|
en
|
Throughout the United States, more and more Americans are choosing to become self-employed rather than working for someone else. While there are many advantages of taking charge and becoming your own boss, there are also many drawbacks. Perhaps one of the most noteworthy disadvantages of becoming self-employed is trying to obtain a mortgage. While the steps associated with this process can be slightly more difficult when compared to a traditionally-employed individual, it’s not impossible.
What to Expect When Obtaining a Mortgage
Perhaps one of the most common elements you should expect when it comes to securing a mortgage when you’re self-employed boils down to interest rates. You should expect to pay a higher interest rate than someone who features a traditional job. In general, if you see an advertised rate, you should expect to pay a higher rate. These advertised rates are generally meant for borrowers who have verifiable, regular income ñ as well as super ideal credit scores. Because you may be a less attractive borrower, you may have to spend a decent amount of time shopping around for a mortgage lender and negotiating terms. Be prepared to demonstrate your financial security and ability to pay by providing several years worth of financial documentation.
Mortgage Options for Self-Employed Individuals
Although obtaining a mortgage when you’re self-employed can be slightly more difficult, it’s not impossible. In order to increase the likelihood of securing a mortgage loan, you must be prepared to think outside of the box and seek out a mortgage from unlikely sources. Some of the most common mortgages for those who are self-employed include:
Stated Income/Stated Asset Mortgage: This type of mortgage is primarily based upon what you tell the financial institution what your income is. Unlike a traditional mortgage, the bank won’t actually verify this income. These are also called low-documentation loans. If you choose to go this route, be prepared to provide the banking institution with a variety of documentation such as invoices and other paperwork that proves your cash flow. You may also be required to showcase your recent tax returns.
Alt-A Mortgage: This type of mortgage may be your ideal choice if your tax returns display a significant business loss or little profits. Because financial institutions take on a significant risk when it comes to lending to those with unverified income, you should expect to pay a high interest rate throughout the duration of your loan. These loans generally land between subprime and prime loans when it comes to interest rates. The reason for this is because you’re considered a more risky investment than someone who has a traditional job with more solid income verification.
|
economics
|
https://freelancecoop.org/caresact/
| 2022-07-01T16:20:55 |
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|
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|
Updated: April 17, 2020
The Freelance Co-op is a cooperative of creative freelancers who work, create, and build our businesses using shared resources, knowledge, and experience. Studies predict that by 2027, over half of Americans will be freelancers and currently 47% of millennials do at least some freelance or contract work.
The Freelance Co-op provides legal resources, bookkeeping, client advice, marketing, scripts, templates and guides to make creativity sustainable.
This Freelancer’s Guide to the CARES Act is compiled from information from the most recent Federal Guidelines, text of the Coronavirus Aid, Relief, and Economic Security Act, The Internal Revenue Service, The Small Business Administration, and the US Chamber of Commerce.
This guidance is intended for US-Based freelancers. If you are or were recently employed full-time by a company, some of the information contained may not pertain to you. Consult your financial advisor or HR office for information about your specific situation.
As always, Information we share is not a substitute for legal, tax, or financial advice from a professional in any field. We are professionals and we’re sharing information related to our expertise. With that said, we are not substitutes for professionals that are up-to-date on legal and financial matters and who know your specific situation.
We also always recommend working with and seeking advice from professionals who are educated about the specifics of your industry, state, country, and other circumstances.
Please see our Earnings Disclaimer for further information.
Here are some primary source links that we’ll reference throughout the guide and where you can do more comprehensive research on the CARES Act.
The most talked about section of the CARES Act is the “2020 Recovery Rebates” commonly known as Stimulus Checks.
About 90% of Americans are eligible for this one-time $1,200 rebate. They are also eligible for an additional $500 per child.
The stimulus check will be paid based on information from your most recent tax return (2018 or 2019).
To qualify to receive a check you must:
- Be a U.S. resident or citizen
- Have an adjusted gross income under $75,000 ($112,500 for head of household and $150,000 married) — this is based on your most recent PERSONAL tax return (2018 or 2019 if you’ve already filed this year). This number can usually be found on line 8b of your tax return (IRS Form 1040).
- Not be a dependant on someone else’s tax return
- Have a work-eligible Social Security Number
How to get it
If you filed your 2018 taxes last year OR your 2019 taxes this year, you don’t have to do anything. In fact, DO NOT call the IRS or other financial advisors to check the status as this will impede their ability to get information and checks out in a timely manner. The IRS will calculate how much your check will be and distribute it however you typically receive tax returns (direct deposit into your bank account or with a paper check). The IRS has said that paper checks may take longer to receive than direct deposit.
If you haven’t filed taxes, the CARES Act instructs the IRS to let you know and send directions on how to receive it if they have not filed either a 2019 or 2018 tax return.
Per the bill, you should receive a notice about how much you received and how it was dispersed. If you receive the notice, but no money, you can contact the IRS per the instructions on the notice.
You can check on the status of your payment at this site:
When will I see my money?
Government officials, including President Trump and Treasury Secretary Steven Mnuchin have said that checks will be distributed in about 3 weeks, but those with paper checks may take longer.
This is an extremely optimistic estimate as both the 2008 Stimulus checks from the Bush administration and 2009 checks from the Obama administration took 3-4 months to hit bank accounts for most Americans.
Per the CARES Act, you should receive a notice about how much you received and how it was dispersed. If you receive the notice, but no money, you can contact the IRS per the instructions on the notice.
What if my Adjusted Gross Income is over $75,000?
Remember, this is on your personal tax return. If you’re a sole proprietor, this should be the amount you made after you deduct eligible business expenses.
The rebate amount is reduced by $5 for each $100 that a taxpayer’s income exceeds $75,000 or ($112,500 for head of household and $150,000 married). The amount is completely phased-out for single filers with incomes exceeding $99,000, $146,500 for head of household filers with one child, and $198,000 for joint filers with no children. For a typical family of four, the amount is completely phased out for those with adjusted gross incomes exceeding $218,000.
What if I haven’t filed taxes for 2018 or 2019?
You should file as soon as possible so you can be eligible for the rebate. Contact your tax preparer or file free online through the IRS Free file program.
What if the IRS doesn’t have my direct deposit information?
Per the IRS, in the coming weeks, Treasury plans to develop a web-based portal for individuals to provide their banking information to the IRS online, so that individuals can receive payments immediately as opposed to checks in the mail.
What if I’m a college student? Homeless? On SSI?
You’re probably eligible. More details can be found from the Senate Finance Committee here.
What if I owe back taxes?
Usually if you owe taxes or other debts, this is taken out of your tax return. But the CARES Act turns off just about all offsets, meaning you’ll likely still get the full amount. The only offset that is still enforced is if you owe past due child support that’s been reported to the Treasury Department from your state.
The CARES Act creates three new Unemployment Insurance Programs. They have confusingly similar names: Pandemic Unemployment Compensation (PUC), Pandemic Emergency Unemployment Compensation (PEUC), and Pandemic Unemployment Assistance (PUA).
Because I’m a copywriter, I’m going to refer to them a bit differently so that we all know what we’re talking about:
- Pandemic Unemployment Compensation (PUC)- We’ll call this one “The Money Boost”
- Pandemic Emergency Unemployment Compensation (PEUC) – We’ll call this one “The Time Boost”
- Pandemic Unemployment Assistance (PUA)- This is “The Eligibility Boost”
The Money Boost (PUC) – In short, The Money Boost part of the bill adds $600 per week to whatever Unemployment Insurance you’re eligible for through your state. This includes people already receiving Unemployment Insurance through their state and new applicants through the PUA program. As of now, the increased amount is through July 31, 2020.
The Time Boost (PEUC) – This provides an additional 13 weeks of unemployment benefits. Currently, most states only provide unemployment for 6 months (26 weeks). This increases the timeline of benefits to 9 months in most states.
The Eligibility Boost (PUA) – This is the big one for freelancers. It expands who is eligible for unemployment benefits to self-employed workers, including independent contractors, freelancers, workers seeking part-time work, and workers who do not have a long-enough work history to qualify for state UI benefits. This program runs through December 31, 2020 and workers can receive retroactive benefits from January 27, 2020. That means you can apply anytime this year. Workers are eligible for 39 weeks of unemployment insurance.
Anyone eligible for The Eligibility Boost is eligible for the time and money boosts, so we’ll just focus on who’s now eligible for Unemployment through PUA.
Applicants will need to provide self-certification that they are (1) partially or fully unemployed, OR (2) unable and unavailable to work because of one of the following circumstances:
- They have been diagnosed with COVID-19 or have symptoms of it and are seeking diagnosis
- A member of their household has been diagnosed with COVID-19
- They are providing care for someone diagnosed with COVID-19
- They are providing care for a child or other household member who can’t attend school or work because it is closed due to COVID-19
- They are quarantined or have been advised by a health care provider to self-quarantine;
- They were scheduled to start employment and do not have a job or cannot reach their place of employment as a result of a COVID-19 outbreak
- They have become the breadwinner for a household because the head of household has died as a direct result of COVID-19
- They had to quit their job as a direct result of COVID-19
- Their place of employment is closed as a direct result of COVID-19
- They meet other criteria established by the Secretary of Labor
So if you’re self-quarantining, have local guidance to quarantine, your kids’ school was closed, or your client or place of work is closed, you qualify.
How to get it
You’ll apply through your State’s Department of Labor.
Many states require you to file for unemployment benefits on the web. Some provide toll-free numbers or other ways to obtain assistance in filing.
Here’s a link to find your state’s resources.
How much do I get?
This varies widely by state. Most states cover about 40-45% of your normal income. You’ll get the state’s normal unemployment formula plus the $600 per week “Money Boost.”
Some states will send it all in one check and some will send the $600 “Money Boost” separately
If I’m a freelancer without a regular paycheck, how will they calculate what I get?
Per Congress, the states are instructed to use the Disaster Unemployment Assistance Program formula. There’s a calculator on this page that can estimate your benefit.
How quick can I get money?
Some states had a one-week waiting period that’s now been waived, but unemployment claims are at the highest level ever — about 5 times the level of the 2008 recession. So state systems were overloaded before this expansion… meaning it could take longer than usual to process your claim.
The CARES Act makes select changes to taxes and tax policies in order to ease the burden on businesses impacted by COVID-19.
- Employers, including the self-employed, can delay the payment of the employer portion of the Social Security payroll tax for the remainder of the year and pay back the liability over the next two years.
- You may be able to get a 50% tax credit on wages (up to $10,000 per employee) for employees that you retain during the COVID-19 crisis if your business was shut down in full or in part. This is to encourage businesses to keep paying employees.
- Businesses that have net operating losses (NOLs) have some limitations relaxed. If your business had an NOL in a tax year beginning in 2018, 2019, or 2020, that NOL can now be carried back five years instead. This may improve cash flow and liquidity for some businesses. Pass-through businesses and sole proprietors will also be able to take advantage of the relaxed NOL limitations.
- Businesses that were due to receive corporate alternative minimum tax (AMT) credits at the end of 2021 can instead claim a refund now, in order to improve cash flow during the COVID-19 emergency.
- On your personal tax return, there’s a new deduction for up to $300 for charitable contributions. Previously, charitable contributions were only available for people who itemized their deductions. This new deduction is for you if you use the standard deduction formula.
Businesses are eligible for an employee retention tax credit if 1.) your business operations were fully or partially suspended due to a COVID-19 shut-down order; or 2.) gross receipts declined by more than 50% compared to the same quarter in the prior year.
Other eligibility guidelines are still forthcoming from the IRS.
How to get it
Most of these changes will apply to quarterly or yearly tax filings and guidelines have not been released from the IRS. Speak with your accountant or tax preparer about if you qualify for any of these new programs.
Thursday, April 2 we hosted a Stimulus Q&A with CPA Jonathan Medows. Access the recording here.
For the most up-to-date information, Join us for a LIVE Q&A with CPA Jonathan Medows. Thursday, April 2 at 1pm Eastern. Register here.
There are two major provisions in the CARES Act regarding Student Loans.
First, Until Sept. 30, there will be automatic payment suspensions for any student loan held by the federal government.
Secondly, employers can make student loan payments on behalf of their employees on a tax free basis, up to $5,250 annually. This means the loan payments would be excluded from the employee’s income. So if you have an LLC or Corporation and pay yourself a salary, you can pay your student loans through your company tax-free and it will not count towards your personal income.
For borrowers who withdraw from their school as a result of the coronavirus crisis, the Act requires the Secretary to cancel the borrower’s Direct Loan associated with the payment period in which they withdrew.
Most federal loans from the last 10 years are eligible for automatic payment suspensions.
F.F.E.L Loans, Perkins loans, and private loans are not eligible. Although, many private lenders have created their own emergency assistance programs.
If you pay yourself or other employees a paycheck from an LLC or Corporation, your company is eligible to participate in the employer program from March 27, 2020 through January 21, 2021.
How to get it
Most loan servicers will automatically suspend payments and interest of federal loans. You should check your online account to make sure you have no payment due.
Per the bill, you should receive a notice in the next few weeks about your specific loan.
To take advantage of the employer-repayment, contact your tax advisor about how to account for the payments.
If my payments stop, will interest continue to accrue?
No. The bill says interest will not accrue.
What if I’m currently behind?
All collections like seizure of tax refunds or wage garnishment should be suspended per the bill.
There’s a few other provisions in the CARES Act that may apply to your situation.
The deadline to file (and pay) income taxes has been delayed from April 15 to July 15 for filing of 2019 taxes.
The bill puts a temporary, nationwide 120-day eviction moratorium in place with no fees or penalties for nonpayment of residential rent. (Some states have also expanded this program or have their own program, check here for your state)
You qualify for the eviction moratorium if your landlord has a mortgage through Fannie Mae, Freddie Mac and other federal entities.
Menstrual products, over-the-counter medical products, such as drugs and surgical masks, and telemedicine are now eligible for reimbursement through health savings accounts and flexible spending accounts.
There are two main expansions of Small Business Administration Loans and Programs.
First is a new program called the Paycheck Protection Program. This new program sets aside $350 billion in government-backed loans, and it is modeled after the existing SBA 7(a) loan program.
Paycheck Protection Program loans can be forgiven in whole or part if used for payroll to retain or rehire workers through June 2020.
The SBA just issued guidance on the much-talked about Paycheck Protection Program.
The Paycheck Protection Program IS a forgivable loan program AND freelancers do qualify.
However (and this is a HUGE However), at least 75 percent of the PPP loan proceeds shall be used for payroll costs.
That means, if you get a Paycheck Protection Program loan, you HAVE to use the majority of it to pay employees (NOT contractors).
So you will have to pay the loan back in full if you don’t have employees on payroll.
Secondly, the CARES Act expands eligibility for the SBA’s Economic Injury Disaster Loans (EIDLs).
These changes include:
- EIDLs are now also available to Tribal businesses, cooperatives, non-profits, and individuals operating as sole proprietors or independent contractors.
- EIDLs can be approved by the SBA based solely on an applicant’s credit score.
- EIDLs that are smaller than $200,000 can be approved without a personal guarantee.
- Borrowers can receive up to $10,000 emergency grant cash advance that can be forgiven if spent on paid leave, maintaining payroll, increased costs due to supply chain disruption, mortgage or lease payments or repaying obligations that cannot be met due to revenue losses.
Update (April 14, 2020)
The SBA just issued a new formula for calculating the advance.
To ensure that the greatest number of applicants can receive assistance during this challenging time, the amount of your Advance will be determined by the number of your pre-disaster (i.e., as of January 31, 2020) employees. The Advance will provide $1,000 per employee up to a maximum of $10,000.
Paycheck Protection Program
The Paycheck Protection Program offers loans for small businesses with fewer than 500 employees, select types of businesses with fewer than 1,500 employees, 501(c)(3) non-profits with fewer than 500 workers and some 501(c)(19) veteran organizations.
Additionally, the self-employed, sole proprietors, and freelance and gig economy workers are also eligible to apply. Businesses, even without a personal guarantee or collateral, can get a loan as long as they were operational on February 15, 2020.
The maximum loan amount under the Paycheck Protection Act is $10 million, with an interest rate no higher than 4%. No personal guarantee or collateral is required for the loan. The lenders are expected to defer fees, principal and interest for no less than six months and no more than one year.
You qualify if you are one of the following:
- A small business concern as defined in section 3 of the Small Business Act (15 USC 632), and subject to SBA’s affiliation rules under 13 CFR 121.301(f) unless specifically waived in the Act;
- A tax-exempt nonprofit organization described in section 501(c)(3) of the Internal Revenue Code (IRC), a tax-exempt veterans organization described in section 501(c)(19) of the IRC, Tribal business concern described in section 31(b)(2)(C) of the Small Business Act, or any other business;
- An individual who operates under a sole proprietorship or as an independent contractor or eligible self-employed individual, you were in operation on February 15, 2020. You must also submit such documentation as is necessary to establish eligibility such as payroll processor records, payroll tax filings, or Form 1099- MISC, or income and expenses from a sole proprietorship. For borrowers that do not have any such documentation, the borrower must provide other supporting documentation, such as bank records, sufficient to demonstrate the qualifying payroll amount.
You must also have been in operation on February 15, 2020 and either had employees for whom you paid salaries and payroll taxes or paid independent contractors, as reported on a Form 1099-MISC.
Even if you meet the criteria above, you will be denied if:
- You are engaged in any activity that is illegal under federal, state, or local law
- You are a household employer (individuals who employ household employees such as nannies or housekeepers)
- An owner of 20 percent or more of the equity of the applicant is incarcerated, on probation, on parole; presently subject to an indictment, criminal information, arraignment, or other means by which formal criminal charges are brought in any jurisdiction; or has been convicted of a felony within the last five years; or
- You, or any business owned or controlled by you or any of your owners, has ever obtained a direct or guaranteed loan from SBA or any other Federal agency that is currently delinquent or has defaulted within the last seven years and caused a loss to the government
How to get it
Payment Protection Program
The Payment Protection Program works like other SBA Loans through a network of lenders. You can use Lender Match, a free online referral tool that connects small businesses with participating SBA-approved lenders within 48 hours.
However, the CARES Act expanded the lending network so more banks, credit unions and lenders can issue those loans.
Check with your local bank or credit union on how to apply for Paycheck Protection Loan (note, I attempted to contact several bankers on Monday, March 30 and they were still waiting on guidance from the SBA.). Applications open for small businesses and sole proprietorships on April 3rd. Independent contractors and self-employed individuals can apply starting April 10th.
Here’s what you’ll need when you apply:
- Most recently filed tax return
- EIN documentation (proving you were in business prior to Feb. 15)
- Payroll reports (proving you had employees prior to Feb 15th and their pay rates)
- Payroll tax forms
- Proof of rent, utility, and health care costs in the form of receipts/invoices.
Economic Injury Disaster Loan & Grant
This program goes directly through the SBA (not lenders like the PPP).
You can apply for the Economic Injury Disaster Loans (EIDLs) including the advance grant ($1,000 per employee up to $10,000) with a new streamlined online questionnaire found here.
Information that you need during the application process includes:
- Gross revenues for 12 months prior to January 31, 2020
- Cost of Goods Solds/Cost of Services for 12 months prior to January 31, 2020
- Rental Properties lost rents due to the disaster
- Business Details (number of employees, years in business, etc.)
- Ownership information including SSN
Then a loan officer will followup if they have additional questions.
- There’s no immediate deadline to apply.
- There’s no fee to apply.
- No credit card information is required.
Can I get both loans?
Yes, as long as they don’t pay for the same expenses.
If your EIDL loan was not used for payroll costs, it does not affect your eligibility for a PPP loan. If your EIDL loan was used for payroll costs, your PPP loan must be used to refinance your EIDL loan. Proceeds from any advance up to $10,000 on the EIDL loan will be deducted from the loan forgiveness amount on the PPP loan.
How much money can I get?
This is the methodology the SBA has recommended lenders use for the Paycheck Protection Program:
- Step 1: Aggregate payroll costs (defined in detail below in f.) from the last twelve months for employees whose principal place of residence is the United States.
- Step 2: Subtract any compensation paid to an employee in excess of an annual salary of $100,000 and/or any amounts paid to an independent contractor or sole proprietor in excess of $100,000 per year.
- Step 3: Calculate average monthly payroll costs (divide the amount from Step 2 by 12).
- Step 4: Multiply the average monthly payroll costs from Step 3 by 2.5.
- Step 5: Add the outstanding amount of an Economic Injury Disaster Loan (EIDL) made between January 31, 2020 and April 3, 2020, less the amount of any “advance” under an EIDL COVID-19 loan (because it does not have to be repaid)
If you are an Independent Contractor or freelancer with no employees,
- Step 1: Find your 2019 IRS Form 1040 Schedule C line 31 net profit amount (if you have not yet filed a 2019 return, fill it out and compute the value). If this amount is over $100,000, reduce it to $100,000. If this amount is zero or less, you are not eligible for a PPP loan.
- Step 2: Calculate the average monthly net profit amount (divide the amount from Step 1 by 12).
- Step 3: Multiply the average monthly net profit amount from Step 2 by 2.5.
- Step 4: Add the outstanding amount of any Economic Injury Disaster Loan (EIDL) made between January 31, 2020 and April 3, 2020 that you seek to refinance, less the amount of any advance under an EIDL COVID-19 loan
What qualifies as “payroll costs”?
Payroll costs consist of compensation to employees (whose principal place of residence is the United States) in the form of salary, wages, commissions, or similar compensation; cash tips or the equivalent (based on employer records of past tips or, in the absence of such records, a reasonable, good-faith employer estimate of such tips); payment for vacation, parental, family, medical, or sick leave; allowance for separation or dismissal; payment for the provision of employee benefits consisting of group health care coverage, including insurance premiums, and retirement; payment of state and local taxes assessed on compensation of employees; and for an independent contractor or sole proprietor, wage, commissions, income, or net earnings from self-employment or similar compensation.
Does my own salary count?
If you have a corporation or LLC and pay yourself a salary, that counts as a payroll expense if:
- you were in business before February 15, 2020
- you pay yourself less than $100,000 per year
- your primary residence is in the US
- you’re not in jail
- you pay yourself as an employee of the business (meaning you issue yourself a W2, pay payroll taxes, FICA, etc.)
Any owner’s draw or non-payroll checks you issue yourself do NOT count as a payroll expense.
Do independent contractors count as employees for purposes of PPP loan calculations?
No, independent contractors have the ability to apply for a PPP loan on their own so they do not count for purposes of a borrower’s PPP loan calculation.
What if I’m a new business or a seasonal business?
Per the SBA: In general, borrowers can calculate their aggregate payroll costs using data
either from the previous 12 months or from calendar year 2019. For seasonal businesses,
the applicant may use average monthly payroll for the period between February 15, 2019, or March 1, 2019, and June 30, 2019. An applicant that was not in business from
February 15, 2019 to June 30, 2019 may use the average monthly payroll costs for the
period January 1, 2020 through February 29, 2020.
What can the PPP be used for in order to be forgiven?
- payroll costs (as defined in the Act and in 2.f.)
- costs related to the continuation of group health care benefits during periods of paid sick, medical, or family leave, and insurance premiums
- mortgage interest payments (but not mortgage prepayments or principal payments); iv. rent payments; v. utility payments
- interest payments on any other debt obligations that were incurred before February 15, 2020
- refinancing an SBA EIDL loan made between January 31, 2020 and April 3, 2020. If you received an SBA EIDL loan from January 31, 2020
However (and this is a HUGE However), at least 75 percent of the PPP loan proceeds shall be used for payroll costs. For purposes of determining the percentage of use of proceeds for payroll costs, the amount of any EIDL refinanced will be included. For purposes of loan forgiveness, however, the borrower will have to document the proceeds used for payroll costs in order to determine the amount of forgiveness.
The CARES Act Hardship Distribution waives the 10% early withdrawal penalty tax under Internal Revenue Code Section 72(t) on early withdrawals up to $100,000 from a retirement plan or IRA for an individual.
The bill also permits those individuals to pay tax on the income from the distribution over three years.
This means that you can get emergency cash from your retirement account regardless of your age.
Also, if you are currently on a retirement distribution schedule, you are not required to take a required minimum distribution from any individual retirement accounts or workplace retirement savings plans, like a 401(k)
You can have the 10% penalty waived for up to a $100,000 withdrawal if you:
- are diagnosed with COVID-19;
- have a spouse or dependent diagnosed with COVID-19;
- experienced adverse financial consequences as a result of being quarantined, furloughed, laid off, having work hours reduced, being unable to work due to lack of child care due to COVID-19, closing or reducing hours of a business owned or operated by the individual due to COVID-19; or
- other factors as determined by the Treasury Secretary.
So, eligibility criteria number 3 is the big one for most of us.
This change would not affect old-fashioned pensions.
How to get it
Speak with your retirement account holder or financial adviser on how to withdraw funds. Many financial institutions allow you to process your withdrawal online.
Other Useful Information
Many organizations are supporting freelancers at this time. The best list we’ve found so far is this one, created from members of the Freelancer’s Union.
The programs above are for US-Based freelancers.
The CBC has put together this list of resources for Canadian artists and freelancers.
Also, a professor from Carleton University did this breakdown of new government programs.
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economics
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https://www.elitepic.co.uk/service-detail.php?id=12
| 2021-10-24T21:47:57 |
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The Skilled Worker visa is designed to enable skilled workers to come to the UK in order to fill a gap in the UK labour market.
Skilled Worker (formerly Tier 2) visa:
In order to qualify for a Skilled Worker visa the applicant must be able to demonstrate that:
· they have a job offer and a Certificate of Sponsorship from an organisation based in the UK that holds a sponsor licence;
· the role represents a genuine vacancy;
· they possess the suitable skills and experience for the role;
· the role is at the relevant skill level (at or above RQF3) and they will be paid an appropriate salary as listed within the Codes of Practice;
· they meet the required level of English language (currently B1 of the CEFR);
· they have sufficient funds to maintain themselves (if maintenance is not certified by the sponsor); and
· they do not fall for refusal under the general grounds for refusal.
Length and conditions of stay in the UK
Applicants can apply to come to the UK for a period of five years and 14 days, or the time given by the sponsor on the Certificate of Sponsorship plus 1 month, whichever is shorter.
Applicants can apply to extend their stay in the UK up to a maximum period of six years providing they continue to meet the requirements of the scheme.
During their stay in the UK, applicants can work for the sponsor in the role described on their Certificate of Sponsorship, perform supplementary work of up to 20 hours per week in accordance with the rules and undertake voluntary work and study providing this does not interfere with their main sponsored work. Applicants cannot hold more than 10% of the shares in the sponsoring company unless they earn an annual salary at or above the high earner rate and they are not permitted to access public funds.
Indefinite Leave to Remain
An application for Indefinite Leave to Remain can be made once an applicant has held a Skilled Worker or Tier 2 General visa for a period of at least five years. In order to be eligible for Indefinite Leave to Remain an applicant must demonstrate that:
· they have spent a continuous period of five years in the UK and during this time have not breached any UK immigration laws;
· they meet the requirements in relation to absences;
· they have sufficient knowledge of English language and have passed a Life in the UK test; and
· they are paid the appropriate salary for the role and this meets the minimum salary required for Indefinite Leave to Remain.
Our mission is to provide our clients with unbiased, accurate and complete immigration advice, which is relevant to their needs.
We recognise that the process of applying for any kind of visa or the maintenance of a Sponsor Licence, can be a stressful time for those involved and so we always treat all our clients as valued customers who have chosen us to look after their immigration future - we will not take that responsibility lightly and we will do our best to deliver the result they are hoping for.
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economics
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https://shsilver.com/pages/kyc-aml
| 2023-03-21T00:51:01 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296943589.10/warc/CC-MAIN-20230321002050-20230321032050-00211.warc.gz
| 0.941475 | 287 |
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Stephen Silver Fine Jewelry is fortunate to be located in the heart of Silicon Valley at the forefront of technology. We tracked the adoption of cryptocurrencies for over a decade, and, before accepting these new forms of payment, we did extensive research on the best crypto processing partners. We chose to work with BitPay, the current industry leader, because of their robust system and KYC/AML (Know Your Customer/Anti-Money Laundering) compliance vetting process. In order to receive merchant authorization, BitPay’s compliance team performed an extensive review of our company. This included a detailed review of the company’s financial statements, vetted our internal KYC/AML process, and their legal and compliance teams interviewed our leadership team on multiple occasions. Furthermore, we only accept crypto payments from authorized BitPay approved wallets. Through this process, we are confident that we are compliant with all laws by accepting cryptocurrencies.
Blockchain and cryptocurrency technology are a part of our reality and future, and we are proud to serve our customers using new and emerging technologies. We responsibly embrace, learn how to work with, and adopt cryptocurrency in business practices for the greater benefit of commerce. Blockchain technologies and cryptocurrencies will continue to evolve, and, during that evolution, we are committed to the upholding the appropriate compliance measures to transact ethically and responsibly.
We confidently transact in cryptocurrencies, such as Bitcoin, Bitcoin Cash, and Monero.
|
economics
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